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 3.00% p.a. which is based on the participating fund earning an illustrated investment rate of return of 4.50% p.a. or 2.00% p.a. if the illustrated investment rate of return is 3.25% 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.

You should seek advice from a financial adviser representative before making a commitment to purchase the plan.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.

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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or 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 15 Dec 2021.