The figures are rounded to the nearest dollar, and are used for illustrative purposes only.

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long term average return of 4.75% per annum.

Should the long-term average return be 3.25% per annum, the illustrated yearly cash payout¹ would be $2,220⁶. Should Ms Lee pass away at age 85 and no secondary life insured⁴ is appointed, the policy would have paid out $96,720^5,6.

¹If the insured survives at the end of five years from the policy entry date and premiums have been paid for at least 5 policy years, you will start to receive cash payouts after the 5th policy year. The cash payout consists of a guaranteed yearly cash benefit, which is 2.1% of your sum assured, and a non-guaranteed cash bonus, which is up to 2.3% of your sum assured (based on a 5 year premium term and the assumption that the Life Participating Fund earns a long term average return of 4.75% per annum). The non-guaranteed yearly cash bonus is dependent on the premium term and may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long term average return of 3.25% per annum, the non-guaranteed cash bonus will be up to 0.85% of the sum assured. The policyholder will continue to receive the cash payouts in subsequent policy years until the anniversary immediately after the original insured’s 120th birthday if the insured is still alive and the policy has not ended.

²The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.75% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.

³If the policyholder becomes totally and permanently disabled (TPD before the age of 70) during the premium term, the TPD premium waiver benefit allows you to stop paying premiums on the policy for the remaining premium term subject to the terms of the policy contract. You cannot change the premium term or increase the sum assured after you claim this benefit.

⁴Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

a) No nomination of beneficiary has been made for this policy; and
b) There is no change to the ownership of this policy including assignment, bankruptcy, and trust.

⁵The policy pays out 105% of all net premiums paid in the event of insured’s death during the term of the policy, we will also pay any cash benefits and cash bonuses which have built up (accumulated). We will also pay any cash benefit and cash bonuses due, if not paid out already. Net premiums means the regular premium amount as shown in the schedule, or the reduced regular premium if a part of the policy has been cashed in earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premiums paid. Net premiums exclude the premiums paid on riders.

⁶The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with Income, the interest rate will be based on 1.75% per annum and it is not guaranteed. Prevailing interest rate at the point of deposit will be determined by Income.

The figures are rounded to the nearest dollar, and are used for illustrative purposes only.

However, should Gary pass away at age 80, the policy would have paid out $215,857^3,5 and the policy terminates thereafter. The policy would have provided an illustrated total benefit of $681,835³, which is 3.4 times of the premiums paid.

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long term average return of 4.75% per annum.

Should the long-term average return be 3.25% per annum, the illustrated accumulated cash payout is $76,783⁶ when Gary is age 20. Should Gary pass away at age 80, the policy would have paid out $214,200^5,6 and the policy would have provided an illustrated total benefit of $538,783⁶. If Gary survives to the end of the policy term, the illustrated total benefit would be $589,783⁶.

¹ If the insured survives at the end of five years from the policy entry date and premiums have been paid for at least 5 policy years, you will start to receive cash payouts after the 5^th policy year. The cash payout consists of a guaranteed yearly cash benefit, which is 2.1% of your sum assured, and a non-guaranteed cash bonus, which is up to 2.3% of your sum assured (based on a 5 year premium term and the assumption that the Life Participating Fund earns a long term average return of 4.75% per annum). The non-guaranteed yearly cash bonus is dependent on the premium term and may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long term average return of 3.25% per annum, the non-guaranteed cash bonus will be up to 0.85% of the sum assured. The policyholder will continue to receive the cash payouts in subsequent policy years until the anniversary immediately after the original insured’s 120^th birthday if the insured is still alive and the policy has not ended.

² Only you as the policyholder (before the age of 65 years old), your spouse (before the age of 65 years old), or your child/ward (before the age of 18 years old) can be the secondary insured at the time you exercise this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

• No nomination of beneficiary has been made for this policy; and
• There is no change to the ownership of this policy including assignment, bankruptcy, and trust.

³ The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 4.75% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.

⁴ If the insured survives at the end of the policy term, which is the anniversary immediately after the original insured’s 120^th birthday, and the policy has not already ended, the policy will pay 120% of all net premiums paid ("maturity benefit") with the final yearly cash payout. We will also pay any cash benefits and cash bonuses which have built up (accumulated). The policy will end when we make this payment. We will not pay any further benefits.

⁵The policy pays out 105% of all net premiums paid in the event of insured’s death during the term of the policy, we will also pay any cash benefits and cash bonuses which have built up (accumulated). We will also pay any cash benefit and cash bonuses due, if not paid out already. Net premiums means the regular premium amount as shown in the schedule, or the reduced regular premium if a part of the policy has been cashed in earlier. If you change the frequency of your regular premium amount, we will use the then current regular premium amount to work out all net premiums paid. Net premiums exclude the premiums paid on riders.

⁶The figures in the illustration are not guaranteed and are illustrated based on the assumption that the Life Participating Fund earns a long-term average return of 3.25% per annum in the future. Returns are illustrated based on estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund. If cash benefits and cash bonuses are accumulated with Income, the interest rate will be based on 1.75% per annum and it is not guaranteed. Prevailing interest rate at the point of deposit will be determined by Income.