1. As long as the plan is in force and the life insured is alive, we will pay a yearly guaranteed cash benefit of 10% of the annual premium starting from the end of second policy year. We will deduct any amounts owing (if any) from the guaranteed cash benefit payable before paying or accumulating the remainder.

2. Upon maturity, we will pay the sum of total yearly premiums paid less guaranteed cash benefits paid and a non-guaranteed terminal bonus (if any), accumulated guaranteed cash benefits (if any) and interest on the accumulated guaranteed cash benefits (if any), less amounts owing to us (if any) and the policy terminates.

3. The capital guarantee is derived based on yearly premium mode, applies only at the end of the policy term; and if all yearly premiums due on the policy have been paid before the end of the grace period. Capital guarantee applies to the basic plan only.

4. The policy term can be 5 years for 2-pay term, 10 years for 5-pay term or 12 years for 7-pay term. For 2-pay term with policy term of 5 years, this option is available for a limited tranche only.

5. In the event of death of the life insured while the plan is in force, we will pay the sum of 101% of Total Yearly Premiums due and paid less guaranteed cash benefits paid, a non-guaranteed terminal bonus (if any), accumulated guaranteed cash benefits (if any) and interest on the accumulated guaranteed cash benefits (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).

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 (if any) 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 June 2021.