1. We will not pay this benefit if the insured was diagnosed with the disease within 90 days from the date we issue the policy, include or increase any benefit, or reinstate the policy (whichever is latest) 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 what we would have paid for the other dread diseases, subject to a maximum amount of $25,000. The benefit for angioplasty and other invasive treatment for coronary artery will end once we make this payment. The basic policy will continue with a reduced sum assured.
2. Bonus rates are not guaranteed and the benefits payable will vary according to the future performance of the Life Participating Fund.
3. Accidental death benefit is payable only if insured’s death happens within 365 days of the accident. 200% of the sum assured in addition to the death benefit will be paid out for this benefit only if the insured is age 69 or under, and is not participating in a restricted activity at the time of the accident. If the insured is participating in a restricted activity at the time of the accident, this benefit will be reduced to 60% of the sum assured. Standard exclusions apply as well. Please refer to the policy contract for further details.

For more information on this policy, please download the policy conditions for VivoLIfe 125, VivoLIfe 180, or VivoLife 350. 

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