Interest Rates in 2015

Interest rate on account value of Universal Life policies

Month	FPUL	FUL	SCUL	GUL	EUL	PUL	CIUL	EUL+	SPUL 99	SPUL 65
1	7.40%	7.40%	7.40%	7.40%	7.40%	7.40%	7.40%		7.65%	7.65%
2	7.40%	7.40%	7.40%	7.40%	7.40%	7.40%	7.40%		7.65%	7.65%
3	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	7.05%	7.05%
4	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	7.05%	7.05%
5	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	7.05%	7.05%
6	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	7.05%	7.05%
7	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.75%	6.75%
8	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.75%	6.75%
9	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.50%	6.75%	6.75%
10	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.85%	6.85%
11	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.60%	6.85%	6.85%
12	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	6.80%	7.05%	7.05%

Policy loan rate of the contract account value of Universal Life products

Time	FPUL	FUL	SCUL	GUL	EUL	PUL	EUL+	SPUL 99	SPUL 65	CIUL
01/01 - 31/03	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	6.20%
01/04 - 30/06	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	6.20%
01/07 - 30/09	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	12.50%	6.10%
01/10 - 30/11	12.60%	12.60%	12.60%	12.60%	12.60%	12.60%	12.60%	12.60%	12.60%	6.10%
01/12 - 31/12	12.80%	12.80%	12.80%	12.80%	12.80%	12.80%	12.80%	12.80%	12.80%	6.10%

Notes:

FPUL: Universal Life – Universal Option, Pre-eminent Option
FUL: Universal Life – Family Package A1, A2 and BII
SCUL: Universal Life - Senior Citizen
GUL: Universal Life - Key Person Option
SPUL 99:Universal Life - Single Premium Payment A & B
SPUL 65:Universal Life - Single Premium Payment 65
EUL: Universal Life - Universal Option 2013, Pre-eminent Option 2013
PUL: Premier Universal Life 2013
CIUL: Universal Life - Critical Illness
EUL+: Universal Life – Executive Universal Life Plus