Wealth Plus Solitaire 

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 $3,840⁵, the total illustrated monthly cash payouts² from age 54 to 85 would be $1,428,480⁵ and the death benefit would be $2,120,000^1,5 when Mr Wong passes away at age 85 with no secondary insured⁴ appointed.

^1.The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus 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.

^2.If the insured survives at the end of 4 years from the policy entry date, you will start to receive cash payouts starting from the 49^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 0.072% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.2405% 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 0.864% of the net single premium as guaranteed cash benefit and up to 2.886% of the net single premium as a 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 0.12% 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.

^3.The 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.

^4.Only 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.

^5.The 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 us, the interest rate will be based on 1.50% per annum and is not guaranteed. Prevailing interest rate at the point of deposit will be determined by us.

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 payout³ would be $1,920⁶, the illustrated maturity benefit⁵ is $1,360,000⁶ and the total illustrated monthly cash payouts³ paid during the policy term is $1,751,040⁶.

^1. Only 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.

^2. The policy pays out 105% of the net single premium and a non-guaranteed terminal bonus 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.

^3. If the insured survives at the end of 4 years from the policy entry date, you will start to receive cash payouts starting from the 49^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 0.072% of the net single premium, while your non-guaranteed monthly cash bonus is up to 0.2405% 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 0.864% of the net single premium as guaranteed cash benefit and up to 2.886% 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 0.12% 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.

^4. The 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.

^5. If the insured survives at the end of the policy term, which is the anniversary immediately after the original insured’s 120th birthday, and the policy has not already ended, the policy will pay 120% 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.

^6. The 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 us, the interest rate will be based on 1.50% per annum and is not guaranteed. The prevailing interest rate at the point of deposit will be determined by us.