Unit-Linked with Regular Premium

Contributions

- Minimum Contribution and Target Contribution

• For each of the insurance coverage and sum assured amount, there is a corresponding minimum contribution amount.

- Ad-hoc contribution or top-up

• Policyholder may put-in ad-hoc contribution or top-up on his policy from time-to-time

- Contribution or premium holiday

• Option to take contribution holiday whenever there is sufficient fund in the account
• Contribution holiday is a period whereby contribution is not paid to the account. After this period when the policyholder resumes with payment of contribution, this contribution shall be treated as a continuation from the time the contribution holiday starts.

- Change in Target Contribution amount

• Option to reduce or increase the target contribution amount.

Insurance Cover

- Basic Cover

• The basic insurance covers death and TPD only
• On the occurrence of death of the principal life assured, the sum-assured of the basic cover plus the account value at the pricing date following the date of notification of death shall be payable to the designated beneficiary.
• On occurrence of TPD, the basic death cover shall be advanced in three annual installments of 10%/20%/70% upon continuous TPD of the life assured.

- Other optional benefits:

• Dread Disease Benefit.

Upon confirmed first diagnosis of one of the 28 listed DD, basic insurance cover up to the sum-assured of the dread disease will be advanced in one lump-sum.

• Female illness riders (2 options: one with maternity and the other without).

The life-insured can only choose one of Dread Disease advanced payment rider or Female Illness rider (with or without maternity).

• AMR

The medical expenses incurred by accidents can be reimbursed based on the actual expenses up to a certain limit for each accident.

• ADD

Upon the occurrence of death, burns or dismemberments due to accidents, the assured can be given a payment of 10% to 100% of the sum-assured.

• HS

The hospitalization expenses incurred by illness or accidents shall be reimbursed based on the actual rational expenditures up to the sum-assured. The hospitalization period covered by the policy for each illness or accident shall not be more than 200 days.

• Spouse rider

The assured may choose to cover his spouse under his policy by purchasing the spouse rider. It is a spouse term rider that pays a lump-sum upon death or advance the death SA in three installments of 10%/20%/70% upon TPD of the spouse.

The spouse rider can be converted into an individual UL policy should the principal life die or when there is a divorce.

• Cost of insurance (COI)

All costs of insurance are on increasing basis (i.e. changes on yearly basis as the age changes) and are to be deducted from the fund value every month

• Policy Term and Premium Payment Term

The policy term of the basic plan is up to age 99.

The premium payment term follows the benefit term of the basic plan.

 (This is a marketing material for purpose of information only. Please refer to the contract provisions for the exact terms and conditions. )