VivoAssure LB Cache Retest 1302

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

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

Should the long-term average return be 3.25% p.a., the illustrated surrender value at age 85 would be $104,887¹².

¹ For Star Assure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Assure Accelerator rider’s and Early Assure Accelerator rider’s minimum protection value will follow Star Assure’s minimum protection value.

² Advanced Assure Accelerator is an accelerated whole life rider that provides coverage for dread diseases and a major impact benefit. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days after the cover start date for major cancers, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider.

Please refer to the policy contract for further details.

Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).

³ Early Assure Accelerator is an accelerated whole life rider that provides coverage for early and intermediate stage dread diseases. Any payment for an early or intermediate stage specified dread disease will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount we pay under this rider. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days after the cover start date for major cancers, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy contract for further details.

If you succeed in claiming the early and intermediate stage dread disease benefit, the special benefit and juvenile benefit will end. You will stop making premium payments on the rider. The rider will continue to apply for the Advanced Restoration Benefit.

You will have to attach the Advanced Assure Accelerator rider to the basic policy if you would like to add the Early Assure Accelerator rider.

⁴ For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy contract for further details.

⁵We will not pay Hospital Cash Benefit, Additional Intensive Care Unit Benefit and Recovery Benefit where the insured stays in a hospital before or within 30 days from the cover start date (except for accidents).

⁶Recovery Benefit will only be paid once for the same stay in hospital as the Hospital Cash Benefit claim.

⁷You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended.

We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke, major cancers, and heart attack of specified severity). Once we make payment under this benefit, the rider will end. We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy contract for further details.

⁸ We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the illness any time before or within 90 days after the cover start date. Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy contract for further details.

⁹We will pay the Additional Intensive Care Unit Benefit in addition to Hospital Cash Benefit. But if we have paid the Hospital Cash Benefit, up to a maximum of 750 days for the same stay in a hospital, we will not pay Additional Intensive Care Unit Benefit any further.

¹⁰The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy contract for further details.

¹¹The 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.

¹²The 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.

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

However, should Gary pass away at age 80, his family would receive a payout of $159,737^3,6, and the policy terminates thereafter. The policy would have provided an illustrated total benefit of $384,688³, which is 3.1 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 4.25% per annum.

Should the long-term average return be 3.00% per annum, the illustrated accumulated cash payout would be $38,405⁵ when Gary is age 32. Should Gary pass away at age 80, the policy would have paid out $153,593^4,6 and the policy would have provided an illustrated total benefit of $309,346⁵. If Gary survives to the end of the policy term, the maturity benefit would be $111,816^4,5 and the policy would have paid out an illustrated total benefit of $272,458⁵.

¹Only 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:

• The premium of this policy is paid only with cash;
• 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.

²If the insured survives at the end of two years from the policy entry date and premiums for this policy have been paid for at least two years, you will start to receive cash payouts after the end of the 2^nd policy year. The cash payout consists of a yearly cash benefit, which is 3% of your sum assured, and a non-guaranteed cash bonus, which is up to 5.40% of your sum assured (based on a five-year premium term for a policy term till age 120 and the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum).

The non-guaranteed yearly cash bonus is dependent on the premium term and policy 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 3.00% per annum, the non-guaranteed cash bonus will be up to 2.97% of the sum assured (based on a five-year premium term for a policy term till age 120). The policyholder will receive the final yearly cash benefit and cash bonus as a lump-sum with the maturity benefit if the insured is still alive and the policy has not ended. The policy will end once this payment is made.

If the sum assured of the policy is at least $80,000, the yearly cash payouts can be received in monthly payments. The amount of each monthly cash benefit payment will be worked out. The policyholder cannot change the payout frequency once the first cash benefit is paid.

³The 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 4.25% 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.

⁴If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. Any accumulated cash benefits and cash bonuses will also be paid. The policy terminates thereafter.

⁵The 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 3.00% 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.

⁶In the event of the insured’s death or terminal illness during the term of the policy, the policy will pay 105% of all net premium(s) and a terminal bonus. Net premium(s) means the regular premium amount as shown in the policy schedule, or the reduced regular premium amount if a part of this 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 premium(s) paid. Net premium(s) do not include the premiums paid on riders.

We will also pay any cash benefits and cash bonuses which have built up (accumulated). If the option to receive the cash benefits in monthly payments was selected, the remaining monthly cash benefit payments and cash bonuses (if any) for that policy year will be paid out. The policy terminates thereafter.

© 2021 Income. All rights reserved.

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

However, should Sophia pass away at age 70, the policy will pay out the illustrated death benefit of $283,064^2,4, 9.4 times of premiums paid, and the policy terminates thereafter.

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum.

Should the long-term average return be 3.00% per annum, the illustrated total cash value when Sophia is age 27 would be $38,937⁵. If Sophia survives to the end of the policy term, the illustrated total maturity value would be $141,955^3,5. Should Sophia pass away at age 70, the illustrated death benefit would be $123,981^4,5.

¹Only yourself (policyholder before the age of 65 years old), your spouse (before the age of 65 years old), or your child or ward (before the age of 18 years old) can be the secondary insured at the time of exercising this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

• The premium of this policy is paid only with cash;
• 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.

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 4.25% 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.

³If the insured survives at the end of the policy term and the policy has not already ended, the policy will pay the cash value. The policy terminates thereafter.

⁴Gro Saver Flex pays 105% of all net premium(s) paid or 101% of the cash value, whichever is higher in the event of the insured’s death or terminal illness. Net premium(s) means the regular or single premium amount as shown in the policy schedule, or the reduced regular or single premium amount if a part of this 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 premium(s) paid. Net premium(s) do not include the premiums paid on riders.

⁵The 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 3.00% 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.

© 2021 Income. All rights reserved.

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

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% p.a.

Should the long-term average return be 3.00% p.a., the total illustrated monthly cash payout¹ would be $4,130⁶ and the death benefit would be $2,020,000^4,6if Mr Tan passes away at age 85 with no secondary insured³appointed.

If Mr Tan lives to age 120, the total illustrated monthly cash payouts¹ from age 42 to 120 would be $3,865,680⁶ and the maturity benefit⁵ would be $4,820,000⁶.

¹If the insured survives at the end of 2 years from the policy entry date, you will start to receive cash payouts starting from the 25^th policy month after the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus. The guaranteed monthly cash benefit is 0.104% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.20% of your net single premium (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). Over 12 months, you would receive 1.248% of the net single premium as guaranteed cash benefit and up to 2.40% of the net single premium as non-guaranteed cash bonus. The non-guaranteed monthly cash bonus may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long-term average return of 3.00% per annum, the non-guaranteed monthly cash bonus will be up to 0.1025% of the net single premium. You will continue to receive your monthly cash payout at subsequent policy months if the insured is still alive and the policy has not ended. Net single premium means the single premium amount as shown in the policy schedule, or the reduced single premium amount if a part of the policy has been cashed in earlier.

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 4.25% 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.

³Only yourself (policyholder before the age of 65 years old), your spouse (before the age of 65 years old), or your child or ward (before the age of 18 years old) can be the secondary insured at the time of exercising this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

• The premium of this policy is paid only with cash;
• 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.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. The policy can only have one insured at any point of time.

⁴The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus, less all monthly cash benefits and cash bonuses paid or the cash value, whichever is higher, in the event of the insured’s death or diagnosis of terminal illness. We will also pay any cash benefits and cash bonuses which have built up (accumulated). If a secondary insured has been appointed before the insured dies, the death or terminal illness benefit will not be paid out. Upon the death of the insured, the secondary insured becomes the insured and the policy will continue.

⁵If 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 105% of the net single premium and a non-guaranteed terminal bonus (“Maturity benefit”). 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.

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 3.00% 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.

© 2021 Income. All rights reserved.

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

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% p.a.

Should the long-term average return be 3.00% p.a., the total illustrated monthly cash payout² would be $2,065⁷, the illustrated withdrawal amount for Darren’s dream house would be $893,957⁷, and the illustrated maturity benefit⁵ would be $2,770,000⁷. Should Darren pass away at age 85, the policy will pay out the illustrated death benefit of $2,160,000^6,7.

¹Only yourself (policyholder before the age of 65 years old), your spouse (before the age of 65 years old), or your child or ward (before the age of 18 years old) can be the secondary insured at the time of exercising this option. You can exercise this option to appoint a secondary insured no more than three times, and provided the following conditions are met:

• The premium of this policy is paid only with cash;
• 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.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. The policy can only have one insured at any point of time.

²If the insured survives at the end of 2 years from the policy entry date, you will start to receive cash payouts starting from the 25^th policy month after the policy entry date. The monthly cash payout consists of the guaranteed monthly cash benefit and the non-guaranteed monthly cash bonus. The guaranteed monthly cash benefit is 0.104% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.20% of your net single premium (based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% per annum). Over 12 months, you would receive 1.248% of the net single premium as guaranteed cash benefit and up to 2.40% of the net single premium as non-guaranteed cash bonus. The non-guaranteed monthly cash bonus may vary according to the future performance of the Life Participating Fund. If the Life Participating Fund earns a long-term average return of 3.00% per annum, the non-guaranteed monthly cash bonus will be up to 0.1025% of the net single premium. You will continue to receive your monthly cash payout at subsequent policy months if the insured is still alive and the policy has not ended. Net single premium means the single premium amount as shown in the policy schedule, or the reduced single premium amount if a part of the policy has been cashed in earlier.

³The 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 4.25% 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.

⁴Interest rate of 3.25% per annum is not guaranteed. Prevailing interest rate at the point of deposit will be determined by Income.

⁵If 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 105% of the net single premium and a non-guaranteed terminal bonus (“Maturity benefit”). 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.

⁶The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus, less all monthly cash benefits and cash bonuses paid or the cash value, whichever is higher in the event of the insured’s death or diagnosis of terminal illness. We will also pay any cash benefits and cash bonuses which have built up (accumulated). If a secondary insured has been appointed before the insured dies, the death or terminal illness benefit will not be paid out. Upon the death of the insured, the secondary insured becomes the insured and the policy will continue.

⁷The 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 3.00% 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.

© 2021 Income. All rights reserved.

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

The non-guaranteed figures above are based on the assumption that the Life Participating Fund earns a long-term average return of 4.25% p.a.

Should the long-term average return be 3.00% p.a., the illustrated surrender value at age 85 would be $137,953¹⁵.

¹Star Secure includes a non-participating compulsory rider, Star Secure – Protection Benefit. This rider pays accidental death benefit, Retrenchment Benefit, Family Waiver Benefit, and part of the minimum protection value. Please refer to the policy conditions for further details.

²For Star Secure, the minimum protection value is 100%, 200%, 300%, 400% or 500% of the sum assured before the anniversary immediately after the insured reaches the age of 70, selected at the start of the policy and is applicable upon death, total and permanent disability or terminal illness. Advanced Secure Accelerator rider’s and Early Secure Accelerator rider’s minimum protection value will follow Star Secure’s minimum protection value.

³Advanced Secure Accelerator is an accelerated whole life rider that provides coverage for specified dread diseases and Major Impact Benefit. We will not pay the dread disease benefit if the insured is diagnosed with the disease within 90 days from the cover start date for major cancer, heart attack of specified severity, coronary artery by-pass surgery, angioplasty and other invasive treatment for coronary artery or other serious coronary artery disease. For angioplasty and other invasive treatment for coronary artery, we will pay 10% of the sum assured under this rider, subject to a S$25,000 maximum sum payable (not including bonuses). The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. This will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider.

Please refer to the policy conditions for further details.

Cover start date refers to the date we issue the rider; or the date we issue an endorsement to include or increase a benefit; or the date we reinstate the rider (whichever is latest).

⁴Early Secure Accelerator is an accelerated whole life rider that provides coverage for early and intermediate stage specified dread diseases. Any payment for an early or intermediate stage specified dread disease will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount we pay under this rider. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with the disease at any time before or within 90 days from the cover start date for major cancer, heart attack of specified severity, other serious coronary artery disease, or coronary artery by-pass surgery. Please refer to the policy conditions for further details.

If you succeed in claiming the early and intermediate stage dread disease benefit, the Special and Mental Benefit and Juvenile Benefit will end. You will stop making premium payments on the rider. The rider will continue to apply for the Advanced Restoration Benefit.

You will have to attach the Advanced Secure Accelerator rider to the basic policy if you would like to add the Early Secure Accelerator rider.

⁵For Hospital CashAid, the premium will be based on the prevailing premium rates as of the insured’s age and sum assured at the anniversary. Anniversary means the last day of every 12 months from the entry date for the basic policy. Please refer to the policy conditions for further details.

⁶We will not pay Hospital Cash Benefit, Additional Intensive Care Unit Benefit and Recovery Benefit where the insured stays in a hospital before or within 30 days from the cover start date (except for accidents).

⁷Recovery Benefit will only be paid once for the same stay in hospital as the Hospital Cash Benefit claim.

⁸You can only make a claim under the Advanced Restoration Benefit if you have previously succeeded in claiming the early and intermediate stage dread disease benefit and if your basic policy has not ended.

We will pay this benefit if the insured is diagnosed with any of the advanced stage dread diseases (stroke with permanent neurological deficit, major cancer, and heart attack of specified severity). Once we make payment under this benefit, the rider will end. We will not pay this benefit if the insured was diagnosed with the disease within 24 months after the date of diagnosis or surgical procedure, whichever applies, of any of the early or intermediate stage dread diseases. The insured must survive for at least seven days from the date of diagnosis, or after having the medical procedure, before we pay this benefit. Please refer to the policy conditions for further details.

⁹The family member means any of the following when you make a claim on the Family Waiver Benefit:

• your legal spouse if you are the insured;
• you if the insured is your legal spouse; or
• the insured’s legal or natural parents if the insured is a juvenile

The benefit will not apply if the family member becomes totally and permanently disabled, becomes terminally ill or dies from any condition of the family member that is diagnosed, treated, for which a registered medical practitioner was consulted or for which the existence or onset of signs or symptoms of any illness or disease were present, before or within 2 years from the cover start date or registration of marriage date, whichever is later. This benefit is payable if the family member is of age 64 or younger, at the time we issue the policy. The Family Waiver Benefit can only be claimed once. Please refer to the policy conditions for further details.

¹⁰An event (including a future unknown disease) leading to a surgery or an infection, and requires a stay in ICU for 5 days or more in one hospital admission, which is claimable under the Major Impact Benefit, subject to policy’s terms, conditions and exclusions.

¹¹We will pay no more than $100,000 (not including bonuses) for each insured (no matter how many policies we have issued to cover each insured). The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment. This benefit is not payable if your claim arise from the insured suffering symptoms of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accident). Claim under the Major Impact Benefit will reduce the sum assured and any bonuses of this rider, its basic policy and other accelerated riders attached to its basic policy by the same amount that we pay under this rider. This benefit can only be claimed once. Please refer to the policy conditions for further details.

¹²We will pay the Additional Intensive Care Unit Benefit in addition to Hospital Cash Benefit. But if we have paid the Hospital Cash Benefit, up to a maximum of 750 days for the same stay in a hospital, we will not pay Additional Intensive Care Unit Benefit any further.

¹³The surgery or infection and the stay in the ICU must be directly due to the same cause and confirmed as necessary medical treatment.

We will not pay Major Impact Benefit where the insured stays in a hospital for symptoms suffered of, had investigations for, or was diagnosed with illness any time before or within 90 days from the cover start date (except for accidents). We will pay this benefit in addition to both Hospital Cash Benefit and Additional Intensive Care Unit Benefit. We will pay this benefit to you only once per policy year. Please refer to the policy conditions for further details.

¹⁴The 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 4.25% 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.

¹⁵The 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 3.00% per annum in the future. Returns are illustrated based on the estimated bonus rates that are not guaranteed. The actual benefit payable will vary according to the future performance of the Life Participating Fund.