1. The plan provides increasing guaranteed yearly retirement income and non-guaranteed yearly retirement income starting from the policy anniversary immediately after the life insured's 55^th, 60^th, 65^th or 70^th birthday till the policy anniversary immediately after the life insured's 99^th birthday. The first guaranteed yearly retirement income payout is the sum insured value, and we will increase the guaranteed yearly retirement income by 4% of the sum insured value each year. The sum insured is a notional value and is not the benefit that will be paid upon the death of the life insured. The non-guaranteed yearly retirement income, which may be paid with the guaranteed yearly retirement income each year, is not guaranteed and the actual amount payable is dependent on the future performance of the participating fund.

2. The capital guarantee, which is derived based on yearly premium payment mode, applies only after the 8^th, 9^th and 14^th policy year for plans with a premium payment term of 5, 10 and 15 years respectively; and if all yearly premiums due on the policy have been paid before the end of the grace period.

3. The policy will mature on the policy anniversary immediately following the life insured's 99^th birthday, and will automatically terminate on the maturity date. Upon maturity, we will pay the guaranteed maturity value and a non-guaranteed terminal bonus, less amounts owing (if any).

4. In the event of death of the life insured while the plan is in force, we will pay the higher of 108% of the total yearly premiums due to-date or the guaranteed cash value and a non-guaranteed terminal bonus, 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 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 2 Jan 2018.