Family3

¹ The annual payout will be 2% of the sum assured.

² The cash bonus will be 0.8% of the sum assured from the end of the plan's second year to its ninth year, and will increase to 2% of the sum assured from the plan's 10th year. These bonus rates are not guaranteed. The actual benefits payable will vary according to the future performance of the participating fund.

³ Total and Permanent Disability covers:

a. Presumptive Total & Permanent Disability (TPD) for the whole of the policy term. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of:

i. total and irrecoverable loss of sight in both eyes; or

ii. total and irrecoverable loss of the use of two limbs at or above the wrist or ankle; or

iii. total and irrecoverable loss of the sight in one eye and total and irrecoverable loss of use of one limb at or above the wrist or ankle

b. Other forms of TPD until the insured person reaches 65 years of age.

^* Based on the prevailing interest rate. This rate is not guaranteed and is subject to change without notice.

^† Projected Cash Bonus of 0.8% of Sum Assured from end of Policy Year 2 to 9

^‡ Projected Cash Bonus of 2% of Sum Assured and Guaranteed Cashback of 2% of Sum Assured from end of Policy Year 10 onwards

^§ Prevailing interest rate at 3% p.a., subject to change

As the bonus rates used for the benefits illustrated above are not guaranteed, the actual benefits payable will vary according to the future performance of the Participating Fund