1 Based on the illustrated cash value at the end of policy year 60, premium payment term of 5 years and an illustrated investment rate of return (IIRR) of the participating fund at 4.25% p.a.. Based on an IIRR at 3.00% p.a., the multiplied returns are up to 4.4X or more.
Potential returns are not guaranteed and are dependent on the premium payment term and policy year when the plan terminates. The actual benefits payable may vary according to the future performance of the participating fund.
2 Capital guarantee is on the condition that no policy alterations are made. Capital is guaranteed after 15 policy years for 5-pay and 10-pay. Capital is guaranteed after 20 policy years for 15-pay.
5 This plan matures on the policy anniversary at which the life assured as at the inception of the policy (Josh for this example), is age 120 next birthday.
* The figure comprises guaranteed and non-guaranteed benefits. The non-guaranteed benefits are illustrated based on the illustrated investment rate of return (IIRR) of the participating fund at 4.25% p.a.. Based on IIRR of 3% p.a., the total surrender value at the end of year 20, 40, 60 and 119 are S$34,433 (>1.4X of total premiums paid), S$58,213 (>2.4X of total premiums paid), S$106,423 (>4.4X of total premiums paid) and S$716,746 (>29.9X of total premiums paid) respectively. The actual benefits payable may vary according to the future performance of the participating fund.