All ages mentioned refer to age next birthday.

1. The guaranteed amount that you will receive at the Policy Maturity Date is at least equivalent to the Total Premiums Paid for the basic plan, subject to the policy terms and conditions.
   
   
2. If the Life Assured dies while the policy is in force, the lump-sum Death Benefit payable will comprise:
   a) the higher of:
       (i) 105% of the Total Premiums Paid for the basic plan; or
       (ii) the Guaranteed Cash Surrender Value;
   b) the accumulated Reversionary Bonus (if any); and
   c) the Terminal Bonus (if any),
   less any amount owed to us.
   If the Life Assured is diagnosed with Terminal Illness while the policy is in force, we will pay the Terminal Illness Benefit in one lump sum, as an advancement of the Death Benefit.
   
   
3. If the Life Assured dies from an Accidental Injury, while the policy is in force, and before the commencement of the policy year in which they turn age 80, we will pay 100% of the Sum Assured on the basic plan, in addition to the Death Benefit, in one lump sum.
   
   
4. This refers to the Waiver of Interest Benefit for a policyholder aged 19 to 75, who has been retrenched or unemployed and remains involuntarily unemployed for a period of three consecutive months. This is provided when the policy has sufficient cash value to cover the total outstanding premiums. Proof of unemployment is required. Please refer to the Product Summary for more details.
   
   
5. Non-guaranteed bonuses are made up of accumulated Reversionary Bonus and Terminal Bonus. They are non-guaranteed and depend on the performance of Our Participating Fund. Reversionary Bonus is non-guaranteed but once declared and vested, it forms part of the guaranteed benefit of the policy. Please refer to the Product Summary for more details.
   
   
6. The policyholder can request for a change of Life Assured – up to three times – after the first policy year. The new Life Assured must have sufficient insurable interest in relation to the policyholder. Any request to change the Life Assured is subject to our acceptance. Please refer to the Product Summary for more details on the terms and conditions for the change of Life Assured.
   
   
7. To allow the new Life Assured to enjoy the maturity benefit, the policyholder must transfer ownership of the policy to the new Life Assured by assigning the policy to the new Life Assured.
   
   
8. Please speak to your financial adviser representative for the available riders. For more information, please refer to the riders’ respective Product Summaries.
   
   
9. A waiting period applies to Cancer Premium Waiver II. If the Major Cancer is diagnosed within 12 months from the Policy Issue Date, the issue date of the rider, the Benefit Commencement date of the rider or the reinstatement date of the rider, whichever is latest, the rider will be voided from the date immediately prior to the date of diagnosis of Major Cancer. Please refer to the rider’s Product Summary for the definition of Major Cancer and details.