Lifetime monthly cash payouts
You will start to receive monthly cash payouts starting from the 6th policy year  till age 100. Over a year, these cash payouts can add up to 4.2% of your net single premium (of which 1.56% is guaranteed and 2.64% is non-guaranteed). You can choose to spend it as you wish or accumulate it with us at an interest rate of up to 3.5% p.a. 
Special cash benefit
Receive a guaranteed special cash benefit equivalent to 1.56% of your net single premium at the start of the 21st and 31st policy year. The special cash benefit is paid on top of the monthly cash payout.
Centennial maturity benefit at age 100
Receive 105% of the net single premium paid and a non-guaranteed terminal bonus , at the point of policy maturity when the insured reaches 100 years old .
Death and total and permanent disability
We pay 105% of the net single premium paid and a terminal bonus 
in the event of death or total and permanent disability (TPD before age 70).
Accidental death and accidental total and permanent disability before age 70
Receive an additional 105% of the net single premium paid if death and total and permanent disability before age 70 is due to an accident (within 365 days of the accident). If the accident happened during a restricted activity
, we only pay an additional 63% of the net single premium paid, on top of the death benefit or TPD benefit respectively.