1. The yearly income, which is non-guaranteed, may be payable from the end of the premium payment term as long as the life insured is alive and while the policy is in force.

A non-guaranteed loyalty bonus may be payable starting from the end of the premium payment term and every 5 years thereafter as long as the Life Insured is alive while the policy is in force.

2. The capital guarantee, which is based on yearly premium payment mode, applies only from the end of the premium payment term and if all yearly premiums due on the policy have been paid before the end of the grace period.

3. If the life insured dies while the plan is in force, we will pay the sum of:

1. 108% of the total yearly premiums due to-date or the guaranteed cash value, whichever is higher;
2. a non-guaranteed terminal bonus (if any);
3. accumulated non-guaranteed yearly income (if any) and loyalty bonus (if any); and
4. interest on the accumulated non-guaranteed yearly income and loyalty bonus (if any),

less amounts owing (if any) and outstanding premium (if any).

4. If the life insured is diagnosed with a terminal illness while the policy is in force, we will advance the death benefit.

5. Any non-guaranteed yearly income and loyalty bonus may be accumulated with us at the prevailing non-guaranteed interest rate of 3.50% p.a. which is based on the participating fund earning an illustrated investment rate of return of 5.00% p.a. or 2.50% p.a. if the illustrated investment rate of return is 3.50% p.a.

Premium payment and any value paid under the plan will be in USD. Any exchange rate fluctuations will have a direct impact on the value of your benefits. If USD depreciates when a benefit becomes payable under the plan, the value earned from our plan may be lower.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. The information in this advertisement is for general circulation only and does not take into account the specific investment objectives, financial situation or particular needs of any specific person. You should seek advice from a financial adviser regarding the suitability of the policy before making a commitment to purchase. In the event that you choose not to do so, you should consider whether the product in question is suitable for you. This advertisement is not a contract of insurance. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association, Singapore or SDIC websites (www.lia.org.sg) or (www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at January 2020.