1. The yearly income will be payable from the end of the accumulation period as long as the life insured is alive and while the policy is in force. The yearly income comprises:

1. guaranteed yearly income at 2.2% of the sum insured; and
2. non-guaranteed yearly income (if any).

You may choose to receive the yearly income payouts or accumulate them with us at the prevailing non-guaranteed interest rate of 3.25% p.a. based on the participating fund earning an illustrated investment rate of return of 4.75% p.a. or 2.25% p.a. if the illustrated investment rate of return is 3.25% p.a.

2. The capital guarantee, which is derived based on yearly premium payment mode, applies only at the end of the Accumulation Period or the end of:

1. 10^th policy year for policies with a 3, 5 or 10-year premium payment term;
2. 15^th policy year for policies with a 15-year premium payment term;
3. 20^th policy year for policies with a 20-year premium payment term; or
4. 25^th policy year for policies with a 25-year premium payment term,

whichever is earlier; 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 guaranteed yearly income and non-guaranteed yearly income (if any); and
4. interest on the accumulated guaranteed yearly income and non-guaranteed yearly income (if any),

less amounts owing (if any), outstanding premium (if any) and future instalment premiums which are required to make up the full year’s premiums (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. The premium payment term you select must be equal to or less than [75 less the life insured’s entry age].

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 may be zero or less than the total premiums paid. 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 Jan 2019.