PROTECTION

PLANS
(Participating)
Distribution Representative’s Product Information Pack
Life Protection

SUPREME PROTECT
Upsize your dreams with guaranteed lifetime protection
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCTPROTECT
SUPREME INFORMATION PACK) PROTECT PLUS (SERIES 2)
& SUPREME
(PRODUCT INFORMATION PACK)

TABLE OF CONTENTS
Page

SUPREME PROTECT
General Introduction 5
1. Launch Date 5
2. Sales Territory 5
3. Currency 5

Part I Supreme Protect (Series 2)

Section A Product Information 6
1. Introduction 6
2. Plan Code 6
3. Benefits 6
4. Policy Values 8
5. Underwriting and Issuance Requirements 9
6. Policy Conditions 11
7. Premiums 11
8. Sample Premium Rates 13
9. Guide to Product Investment Risk Classification/ 14
Client Investment Risk Profile Match
10. Agency Compensation 14
Section B Sample Benefit Illustration & Product Summary 15

Part II Supreme Protect Plus (Series 2)

Section A Product Information 27
1. Introduction 27
2. Plan Code 27
3. Benefits 27
4. Policy Values 28
5. Underwriting and Issuance Requirements 28
6. Policy Conditions 29
7. Premiums 29
8. Sample Premium Rates 30
9. Guide to Product Investment Risk Classification/ 31
Client Investment Risk Profile Match
10. Agency Compensation 32
Section B Sample Benefit Illustration & Product Summary 33

1
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of 3
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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SUPREME PROTECT & PACK)
SUPREME PROTECT PLUS (SERIES 2)
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Page

Part III Sample Policy Contracts & Endorsements 36

Part IV Frequently Asked Questions 63

Part V Target Market and Sales Propositions 75

Part VI Training & Competency Requirements 76

Part VII Competitive Analysis 80

Part VIII Reference 85

4 2
_________________________________________________________________________________________________
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is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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GENERAL INTRODUCTION
Supreme Protect & Supreme Protect Plus (Series 2)

SUPREME PROTECT
Supreme Protect is a series of participating whole life plans with Reversionary and Terminal Bonus. The key
objective of the plan is to provide protection against pre-mature Death, Total & Permanent Disability (TPD) and
Terminal Illness (TI). As a participating plan, it accumulates cash value during the course of the policy.

Supreme Protect (Series 2) offers lifetime protection with flexible premium payment options. 2 varying premium
payment terms; 20 year-pay and pay up to 80 ANB, are available to suit the budget and preference of individuals.

This basic plan comes with a compulsory Critical Illness rider, Supreme Protect Plus (Series 2), which will accelerate
the payment of the basic policy’s death benefit when the Life Assured is diagnosed with one of the 30 Critical
Illnesses or one of the 5 Advanced Stage Critical Illnesses.

The Sum Assured of the compulsory CI rider is equal to the Sum Assured of the basic plan.

In addition, to ensure that one can upsize their coverage during key milestones, Supreme Protect offers guaranteed
insurability benefit against Death, TPD and Critical Illness.

1. LAUNCH DATE
1 July 2013

2. SALES TERRITORY
This plan is available for Singapore and Brunei.

3. CURRENCY
S$ - For policies issued in Singapore.
B$ - For policies issued in Brunei.

3
_________________________________________________________________________________________________
5
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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PART I: SUPREME PROTECT (SERIES 2)

SECTION A: PRODUCT INFORMATION

1. PLANS UNDER SUPREME PROTECT (SERIES 2)

Supreme Protect (Series 2) offers 2 premium payment variations as follows:
Plan Name Protection Coverage Premium Payment Term
Supreme Protect 20 (Series 2) Whole of Life 20 years
Supreme Protect (Series 2) Whole of Life Up to 80 ANB

Supreme Protect (Series 2) comes bundled with Supreme Protect Plus (Series 2), an accelerating Critical
Illness rider.

2. PLAN CODE
Plans Plan Code
Supreme Protect 20 (Series 2) 0693
Supreme Protect (Series 2) 0709

3. BENEFITS

3.1 Death Benefit

The Basic Sum Assured plus attaching bonus (if any) will be payable in one lump sum upon death of
the life assured.

3.2 Total and Permanent Disability (TPD) Benefit

(Subject to a maximum Sum Assured of $2,000,000 on any policies or riders issued by the
Company on the same life assured)

3.2.1 Occupational TPD

This benefit is only applicable if TPD occurs before the policy anniversary, on which the Life
Assured is age 65 next birthday.

The Death Benefit will be payable upon TPD admission in one lump sum and the policy will
terminate.

Occupational TPD refers to a disability suffered by the Life Assured which render the Life
Assured in a total and permanent state of incapacity to perform any work, occupation or
profession to earn or obtain any wage, remuneration or profit at any time during and
thereafter.

3.2.2 Presumptive TPD

This benefit is applicable for whole of life.
The Death Benefit will be payable upon TPD admission in one lump sum and the policy will
terminate.
Presumptive TPD is total and permanent disability in which the Life Assured suffers from
such a state of incapacity which is total and permanent and which takes in 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 the
use of one limb at or above the wrist or ankle.
Presumptive TPD must, in the opinion of a registered medical practitioner, be deemed to be
total and irrecoverable

4
6
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information inaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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3.3 Terminal Illness (TI) Benefit

If the Life Assured suffers from Terminal Illness, the death benefit will be payable in one lump sum
and the policy will terminate.
Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death

SUPREME PROTECT
of the Life Assured within 12 months. This diagnosis must be supported by a specialist and
confirmed by the Company’s appointed doctor.
Terminal illness in the presence of HIV infection is excluded.

3.4 Guaranteed Insurability Benefit (GIB)

This benefit gives the Policyholder the right to purchase additional Whole Life or Endowment policy
and/or a rider on the life of the Life Assured that provides benefits for Death, TPD, Terminal Illness,
Critical Illness (CI) or Advanced Stage Critical Illness without underwriting, upon occurrence of any
of the following milestone events of the Life Assured:
i) Attain the age of 21;
ii) Legal marriage;
iii) Birth of a child; or
iv) Legal adoption of a child
Important notes pertaining to exercising of GIB option:
The Policyholder is able to exercise the GIB option, subject to the following conditions:
a) The original policy is in force. It is not converted to a reduced paid-up or extended term
assurance.
b) All premiums due under this Policy and all attached riders must be fully paid on and before the
date of exercising the GIB option.
c) Life Assured has made no claims for TPD, Terminal Illness, Critical Illness or Advanced Stage
Critical Illness benefits under all policies and riders issued the Company.
d) Can exercise up to a maximum of 2 times per life time of the Life Assured.
e) Need to exercise before the policy anniversary on which the Life Assured is 60 ANB.
f) GIB application must be submitted within 180 days from the date of the milestone events.
rd
g) For 3 party policies, only the Policyholder of the Original Policy has the right to exercise the
GIB option, on the life of the same Life Assured.
h) Each GIB application should comprise of the purchase of only 1 plan, which can be in any of
the following combinations:
i. 1 basic plan without riders
ii. 1 basic plan with riders
iii. 1 rider under an existing plan
i) There is a maximum Sum Assured allowed for each new purchase under GIB option and per
Life Assured:
Max SA allowed for each event Total SA
Type of Cover
Per Life Assured Per Life Assured
$200,000
or
Death / TPD $400,000
50% of the original policy’s basic SA
whichever is lower
$100,000
or 50% of the original policy’s basic SA
Critical Illness (CI) whichever is lower $200,000
Important Note: Only accelerated CI
riders are allowed for GIB applications

Note: A) For Death / TPD coverage: Will cover standard and substandard lives up to 100%
extra mortality (base on the original policy).
B) For CI coverage: Covers only standard lives base on the original policy.

5 7
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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3.5 Living Benefit (compulsory)

This benefit is provided by Supreme Protect Plus, which is a compulsory rider. Please refer to Part II
for details.

3.6 Projected Bonus

3.6.1 Reversionary Bonus

Bonus per $1,000
Duration (Years) Compounding Rate
Sum Assured
1 – 20 $7.50 1.50%
20 & above $9.00 0%

3.6.2 Terminal Bonus (Percentage of Attached Bonus)

Death/ TPD/ TI/
Duration (Years) Surrender
Critical Illness
1–9 0% 0%
10 80% 0%
11 90% 0%
12 100% 0%
13 110% 80%
14 130% 90%
15 150% 100%
16 170% 110%
17 190% 130%
18 210% 150%
19 230% 170%
20 250% 190%
21 270% 205%
22 265% 205%
23 260% 210%
24 255% 210%
25 & above 250% 215%

4. POLICY VALUES

4.1 Cash Surrender Value

Surrender Values vary according to gender, age at entry and policy duration, and are available after
premium payment of 3 years.

4.2 Automatic Premium Loan (APL)

APL will be available when the policy has a cash value.

4.3 Reduced Paid Up Values

On conversion to reduced paid-up, the converted policy will cease to participate in the profits of the
company and all riders attached to the policy, including Supreme Protect Plus, will be cancelled.
Total and Permanent Disability Benefit, Terminal Illness Benefit and Guaranteed Insurability Benefit
(GIB) will also be cancelled.

The cash surrender value immediately before conversion, less any indebtedness under the policy,
will be used to determine the reduced paid up sum assured. The sum assured will be payable upon
death that occurs in the policy coverage term.

6
8
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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4.4 Extended Term Assurance (ETA)

On conversion to extended term assurance, the converted policy will cease to participate in the
profits of the company and all riders attached to the policy, including Supreme Protect Plus, will be
cancelled. Total and Permanent Disability Benefit, Terminal Illness Benefit and Guaranteed

SUPREME PROTECT
Insurability Benefit (GIB) will also be cancelled.

The cash surrender value immediately before conversion, less any indebtedness under the policy,
will be used to determine the coverage term. The sum assured will be payable upon death that
occurs in the policy coverage term.

4.5 Policy Loan

Policy loan will be available when the policy has a cash value. Policy loan interest rate varies in
accordance with the Company’s prevailing rate.

5. UNDERWRITING AND ISSUANCE REQUIREMENTS

5.1 Eligibility
Singapore Citizens and Singapore Permanent Residents are eligible for the policy.
The policy can be issued to foreigners, subject to latest underwriting guidelines issued by New
Business Department.

5.2 Age at Entry

Plans Min Max
Supreme Protect 20 (Series 2) 55 ANB
1 ANB
Supreme Protect (Series 2) 65 ANB

For foreigners
Plans Min Max
Supreme Protect 20 (Series 2) 52 ANB
1 ANB
Supreme Protect (Series 2) 62 ANB

5.3 Policy Term

Whole of Life

5.4 Sum Assured

Min Max

$1,000,000
$20,000 (inclusive of other living benefit coverage issued by GELS)
Subject to financial underwriting

7 9
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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5.5 Riders allowed

Rider Type Rider Name
Critical Illness Cover  Supreme Protect Plus 20(Series 2)
(Compulsory Riders)
 Supreme Protect Plus (Series 2)

Note: The sum assured and premium term of Supreme

Protect Plus must be equal to that of the Supreme Protect
Critical Illness Cover  Critical Care Advantage Rider
(Optional Riders)
 Junior Living Assurance Rider Plus
 Her Living Assurance Rider
 Pregnancy Risk Cover (Optional rider to Her Living
Assurance Rider)

Term Cover
 MortgageCare (Living Assurance) Rider II
 MortgageCare Rider
Payer Benefit  Payer Benefit Rider III
(For Third Party
Policies)  Payer Benefit (Living Assurance) Rider III
Premium Waiver
Benefit  Premium Waiver Rider
Disability Income  LifeSecure Rider (Life)
Benefit
 LifeSecure Rider 65
 LifeSecure Rider 80
 PayAssure Rider 55
 PayAssure Rider 60
 PayAssure Rider 65
Personal Accident  AccidentCare Plus II Rider
Cover  Double Accident Protector Rider
 Accidental Permanent Disablement Benefit Rider
 Essential Protector Plus
Hospital Income  Lifetime Hospital Benefit Rider
Benefit  Hospital Income Benefit Rider

5.6 Non-Medical Limits & Financial Underwriting

Please make reference to the latest underwriting guidelines issued by New Business Underwriting.

5.7 Backdating
Backdating is allowed. The usual backdating conditions apply but the policy cannot be backdated to
a date earlier than 1 July 2013.

5.8 Restrictions
All restrictions, including the issuing of the policy to housewives, juveniles and members of the
Armed Forces, are subject to the latest underwriting guidelines issued by New Business
Department.

8
10
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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5.9 Documents for Policy Application

The following documents should be submitted:
1. Financial Life Plan (FLP)
2. Benefits Illustration and Product Summary (BIPS)

SUPREME PROTECT
3. Proposal Form
4. Photocopy of Policyholder’s NRIC (Singaporean/Singapore PR) or Passport (Foreigners)
5. Life Planner’s Confidential Report (LPCR)
6. Supplementary Question on Health, Occupation, Avocation and Residential Risk (if applicable)
7. Financial Questionnaire Part I and/or Part II (if applicable)
8. Evidence of Financial Documentaries (if applicable)

6. POLICY CONDITIONS

6.1 Lien Clause for Children (Total and Permanent Disability (TPD) Benefit)
If the Life Assured becomes totally and permanently disabled before turning 1 year old, 20% of the
death benefit shall be payable in one lump sum and the policy will terminate.

6.2 Third Party

The policy can be only issued as a Third Party policy.

6.3 Reinstatement
Reinstatement is allowed within 3 years from the lapse date and is subject to underwriting and the
submission of all relevant documents.

Upon approval, the reinstatement will be effective from the Approval Date or Payment Date,
whichever is later and the waiting period under the policy shall apply from the Reinstatement
Effective Date. The Policyholder has to pay off the overdue premiums with interest once the
reinstatement is approved

6.4 Assignment of policy

There is no restriction on assignments.

7. PREMIUMS

7.1 Premium
Premium rates for Supreme Protect (Series 2) are level and guaranteed.

7.2 Premium Rates

Premiums vary according to age at entry, gender and smoking habit.

7.3 Premium Payment Term

Plans Premium Payment Term
Supreme Protect 20 (Series 2) 20
Supreme Protect (Series 2) Up to age 80 ANB

9
_________________________________________________________________________________________________
11
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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7.4 Premium Payment Method and Modal Factor

Payment Modes Modal Factor Cash Policy
Monthly (GIRO) 0.08583 
Quarterly 0.25750 
Half-Yearly 0.51000 
Yearly 1.00000 
 To facilitate monthly  Cheque payment is allowed.
payment, application for  Credit Card payment is
the policy to be on applicable for initial premium
GIRO is compulsory. payment only.
Remarks
 Formula for calculating
the modal premium
 Annual Premium x
<Modal Factor>

7.5 Premium Loading

Premium loading will be subject to existing underwriting rules.

7.6 Discount
7.6.1 Large Sum Assured Discount
Adjustment per $1,000 Sum Assured (S$)
Basic Sum Assured
Supreme Protect 20 Supreme Protect
(S$)
(Series 2) (Series 2)
20,000 – 29,999 +3.50 +3.50
30,000 – 49,999 +2.00 +2.00
50,000 – 99,999 +1.00 +1.00
100,000 – 199,999 0.00 0.00
200,000 – 299,999 -0.25 -0.25
300,000 & above -0.50 -0.50

7.6.2 Female Discount

Nil

7.6.3 Non-Smoker Discount

Distinct Smoker and Non Smoker rates apply.

10
12
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ external
1 July 2013. This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and isof
contract
not to be reproduced,
insurance. inthe
Please refer to whole orDocument
Policy part, for public
for the /precise
external distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of thefor whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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8. SAMPLE PREMIUM RATES

8.1 Non-Smoker rates

SUPREME PROTECT
Male, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured
Supreme Protect 20 Supreme Protect
ANB
(Series 2) (Series 2)
1 $10.82 $7.27
10 $13.85 $9.31
20 $18.06 $13.06
30 $24.00 $18.69
40 $31.77 $26.43
50 $42.50 $39.16

Female, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect 20 Supreme Protect
ANB
(Series 2) (Series 2)
1 $ 10.25 $ 6.50
10 $ 13.13 $ 8.23
20 $ 16.88 $ 11.28
30 $ 22.50 $ 16.19
40 $ 29.30 $ 23.02
50 $ 37.70 $ 34.45

8.2 Smoker rates

Male, Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect 20 Supreme Protect
ANB
(Series 2) (Series 2)
1 $12.47 $7.60
10 $16.06 $9.93
20 $22.50 $14.06
30 $30.31 $20.03
40 $39.71 $29.56
50 $48.86 $44.78

Female, Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect 20 Supreme Protect
ANB
(Series 2) (Series 2)
1 $11.91 $6.89
10 $15.30 $9.26
20 $20.18 $12.95
30 $26.06 $18.39
40 $33.71 $25.76
50 $43.34 $36.98

11 13
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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9. GUIDE TO PRODUCT INVESTMENT RISK CLASSIFICATION / CLIENT INVESTMENT

RISK PROFILE MATCH
Client All Risk Conservative Moderately Moderately Aggressive
Investment Profiles: Conservative Aggressive
Risk Profile Conservative,
Moderately
Conservative,
Moderately
Aggressive,
Aggressive
Product N.A. Lower Low to Medium to Higher
Investment (Pure (Generally Medium High (Generally
Risk Protection with 50% or (Generally (Generally with no
Classification without or little more capital with less than with no guarantee,
cash value) guarantee) 50% capital guarantee; higher
guarantee) moderate volatility)
volatility)
Supreme
Protect 20
(Series 2)
ü
Supreme
Protect
(Series 2)
ü
Note: For plans with riders, the final Product Investment Risk will be base on the Higher Risk
Classification of either the basic plan or the rider.

10. AGENCY COMPENSATION

10.1 Basic Commission

Plan Name Premium Basic Commission (as percentage of the premium)
Payment
Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
Supreme
Protect 20 20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
(Series 2)
Supreme 15 30.00% 10.00% 5.00% 5.00% 5.00% 5.00%
Protect 16 32.00% 11.00% 5.00% 5.00% 5.00% 5.00%
(Series 2) 17 34.00% 12.00% 5.00% 5.00% 5.00% 5.00%
18 36.00% 13.00% 5.00% 5.00% 5.00% 5.00%
19 38.00% 14.00% 5.00% 5.00% 5.00% 5.00%
20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
21 42.00% 17.00% 5.00% 5.00% 5.00% 5.00%
22 44.00% 19.00% 5.00% 5.00% 5.00% 5.00%
23 46.00% 21.00% 5.00% 5.00% 5.00% 5.00%
24 48.00% 23.00% 5.00% 5.00% 5.00% 5.00%
25 &
50.00% 25.00% 5.00% 5.00% 5.00% 5.00%
above

10.2 Threshold Commission

The prevailing agency compensation structure that is effective on the effective date of the policy.

12
14
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SECTION B: SAMPLE BENEFIT ILLUSTRATION & PRODUCT SUMMARY

SUPREME PROTECT 20 (BENEFIT ILLUSTRATION)

SUPREME PROTECT
Introduction

The Great Eastern Life Assurance Company Limited believes that it is important that you fully appreciate the benefits of
your policy. You should also understand how the cost of your insurance cover and the expenses of administration and
sales affect the benefits that you will receive.

The illustration that follows shows how the value of your policy and the sum that would be payable on your death change
over time. The methods used to derive the values shown follow guidelines established by the Life Insurance Association,
Singapore, to ensure that a fair and consistent approach is used in preparing this illustration.

Please note that your policy provides a combination of (1) guaranteed benefits and (2) non-guaranteed benefits in the form
of bonuses / cash dividends. The bonus rates / dividend scales used in this illustration are not guaranteed and may vary
according to the performance of the Participating Fund.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and
the surrender value payable may be less than the total premiums paid.

If you need clarification please do not hesitate to ask your adviser.

Policyholder and plan details

Proposed Insured: PROSPECT Prepared by: Distribution Rep

Age Next Birthday: 30 Date: 01/07/2013
Sex: Male Rep. No.:
Smoker: No Foreigner: No
Resident: Yes
Plan: Supreme Protect (Series 2) Plan Code: 0709
Sum Assured: $100,000
Annual Premium: $1,869.00 (M:$953.20 Q:$481.30 H:$160.50)
Policy Term: Whole of life
Payable For: 50 years

Benefit illustration
DEATH BENEFIT
Total
Projected at Projected at
End of Premiums
3.25% investment return 4.75% investment return
Policy Paid To- Guaranteed
Non-
Year/Age date (S$) Non-guaranteed
guaranteed Total (S$) Total (S$)
(S$) (S$)
(S$)
1/31 1,869.00 100,000 615 100,615 750 100,750
2/32 3,738.00 100,000 1,237 101,237 1,511 101,511
3/33 5,607.00 100,000 1,867 101,867 2,283 102,283
4/34 7,476.00 100,000 2,505 102,505 3,068 103,068
5/35 9,345.00 100,000 3,151 103,151 3,864 103,864
6/36 11,214.00 100,000 3,805 103,805 4,672 104,672
7/37 13,083.00 100,000 4,467 104,467 5,492 105,492
8/38 14,952.00 100,000 5,137 105,137 6,324 106,324
9/39 16,821.00 100,000 5,815 105,815 7,169 107,169
10/40 18,690.00 100,000 10,793 110,793 14,448 114,448
15/45 28,035.00 100,000 22,441 122,441 31,279 131,279
20/50 37,380.00 100,000 42,240 142,240 60,699 160,699
25/55 46,725.00 100,000 53,494 153,494 76,449 176,449
30/60 56,070.00 100,000 64,749 164,749 92,199 192,199
35/65 65,415.00 100,000 76,003 176,003 107,949 207,949
40/70 74,760.00 100,000 87,258 187,258 123,699 223,699
13 15
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 SUPREMEPROTECT
SUPREME PROTECT&&SUPREME
SUPREMEPROTECT
PROTECTPLUS
PLUS(SERIES
(SERIES2)2)
(PRODUCTINFORMATION
(PRODUCT INFORMATIONPACK)
PACK)

SURRENDER VALUE
Total
Projected at Projected at
End of Premiums
3.25% investment return 4.75% investment return
Policy Paid To- Guaranteed
Non-
Year/Age date (S$) Non-guaranteed
guaranteed Total (S$) Total (S$)
(S$) (S$)
(S$)
1/31 1,869.00 - - - - -
2/32 3,738.00 - - - - -
3/33 5,607.00 1,700 378 2,078 462 2,162
4/34 7,476.00 2,600 525 3,125 643 3,243
5/35 9,345.00 3,600 684 4,284 839 4,439
6/36 11,214.00 4,500 855 5,355 1,050 5,550
7/37 13,083.00 5,500 1,040 6,540 1,278 6,778
8/38 14,952.00 6,600 1,237 7,837 1,523 8,123
9/39 16,821.00 7,600 1,449 9,049 1,787 9,387
10/40 18,690.00 8,700 1,676 10,376 2,069 10,769
15/45 28,035.00 14,700 5,582 20,282 7,626 22,326
20/50 37,380.00 21,700 12,736 34,436 18,067 39,767
25/55 46,725.00 29,300 20,254 49,554 28,788 58,088
30/60 56,070.00 37,200 28,102 65,302 39,798 76,998
35/65 65,415.00 45,700 37,422 83,122 52,863 98,563
40/70 74,760.00 54,500 48,161 102,661 67,904 122,404

What is the significance of the Projected Investment Rate of Return?

The illustrations have been prepared on two assumptions regarding the investment rate of return achieved by the
investments of the fund. The two rates 3.25% and 4.75% are used purely for illustrative purposes and do not represent
upper and lower limits on the investment performance of the Participating Fund.

The two rates shown are net of any investment expenses. Please refer to the investment expense ratio in the Product
Summary, shown for up to the last 3 years, for an indication of the actual investment expenses incurred in managing the
Participating Fund.

The higher rate 4.75% does not exceed the maximum best estimate of the long-term investment rate of return (currently
4.75%), which has been set by the Life Insurance Association, Singapore.

Please note that investment performance is not the only factor that will affect the benefits that you will receive. Other
factors such as the actual level of death and disability claims on the fund and the expenses incurred will also have a
bearing upon the benefits that you will receive.

As the bonus rates (or cash dividends) used for the benefits illustrated above are not guaranteed, the actual benefits
payable will vary according to the future experience of the Participating Fund.

14
16_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
Information accurate
insurance. Please referattotime of print
the Policy on 1 July
Document for2013. This information
the precise is confidential
Terms & Conditions, and
including theisexclusions
strictly for
of internal circulation
the insurance plan. only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

What is the impact of deductions on what you might get back?

The following table illustrates the effect that deductions will have on the amount you get back on surrender or maturity. It
also highlights the cost of surrendering the policy early.

SUPREME PROTECT
Table of deductions
DEDUCTIONS
Total Projected at Projected at
End of Premiums 3.25% investment return 4.75% investment return
Policy Paid To- Value of Total Value of Total
Effect of Effect of
Year/Age date Premiums Surrender Premiums Surrender
Deductions Deductions
(S$) Paid To- Value Paid To- Value
To-date (S$) To-date (S$)
date (S$) (S$) date (S$) (S$)
1/31 1,869.00 1,930 1,930 - 1,958 1,958 -
2/32 3,738.00 3,922 3,922 - 4,009 4,009 -
3/33 5,607.00 5,979 3,901 2,078 6,157 3,995 2,162
4/34 7,476.00 8,103 4,978 3,125 8,407 5,164 3,243
5/35 9,345.00 10,297 6,013 4,284 10,764 6,325 4,439
6/36 11,214.00 12,561 7,206 5,355 13,233 7,683 5,550
7/37 13,083.00 14,899 8,359 6,540 15,819 9,041 6,778
8/38 14,952.00 17,313 9,476 7,837 18,529 10,406 8,123
9/39 16,821.00 19,805 10,756 9,049 21,367 11,980 9,387
10/40 18,690.00 22,379 12,003 10,376 24,339 13,570 10,769
15/45 28,035.00 36,556 16,274 20,282 41,460 19,134 22,326
20/50 37,380.00 53,192 18,756 34,436 63,051 23,284 39,767
25/55 46,725.00 72,713 23,159 49,554 90,282 32,194 58,088
30/60 56,070.00 95,618 30,316 65,302 124,624 47,626 76,998
35/65 65,415.00 122,496 39,374 83,122 167,935 69,372 98,563
40/70 74,760.00 154,035 51,374 102,661 222,557 100,153 122,404

Based on a Projected Investment Rate of Return of 4.75% p.a., the total deductions would have the
effect of reducing the Projected Investment Rate of Return upon surrender at age 65 is 2.17% p.a.

What do the columns in the table of deductions mean?

1. “Value of Premiums Paid To-date” is obtained by accumulating the premiums paid to date at the Projected Investment
Rate of Return, assuming that you were able to invest all of your premiums without deduction for the cost of insurance
and without incurring any expenses.

2. The difference between the “Value of Premiums Paid To-date” and “Total Surrender Value” represents the “Effect of
Deductions To-date”. This is the accumulated value of the deductions for the cost of insurance and expenses.

15 17
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

How much are you paying for distribution costs?

This table shows the total costs of distribution that the Company expects to incur in relation to your policy, including the
cost of any financial advice provided to you.

Total distribution cost

Total Premiums Paid To-date Total Distribution Cost To-date
End of Policy Year/Age
(S$) (S$)
1/31 1,869.00 2,030
2/32 3,738.00 2,934
3/33 5,607.00 3,106
4/34 7,476.00 3,207
5/35 9,345.00 3,308
6/36 11,214.00 3,409
7/37 13,083.00 3,409
8/38 14,952.00 3,409
9/39 16,821.00 3,409
10/40 18,690.00 3,409
15/45 28,035.00 3,409
20/50 37,380.00 3,409
25/55 46,725.00 3,409
30/60 56,070.00 3,409
35/65 65,415.00 3,409
40/70 74,760.00 3,409

What does the last column represent?

1. The Total Distribution Cost To Date is the sum of each year’s expected distribution-related costs, without interest.
Such costs include cash payments in the form of commission, costs of benefits and services paid to the distribution
channel.

2. Please note that the Total Distribution Cost is not an additional cost to you; it has already been allowed for in
calculating your premium.

3. You can obtain the Total Distribution Cost of each of the supplementary benefits (if applicable) from your Financial
Adviser or its representatives.

16
18
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SUPREME PROTECT (SERIES 2) - LIMITED PAY (PRODUCT SUMMARY)

1. Provider of the Plan

SUPREME PROTECT
The Great Eastern Life Assurance Company Limited
1 Pickering Street #13-01 Great Eastern Centre Singapore 048659

2. Nature and Objective of the Plan

This is a regular premium participating whole life plan with a limited premium payment term of 20 years. This plan provides
financial protection against death, total and permanent disability or terminal illness. It also allows you to participate in the
performance of the Participating Fund in the form of bonuses that are not guaranteed.

The objective of the plan is to provide insurance protection together with stable medium- to long–term returns via a
combination of guaranteed benefits and non-guaranteed bonuses.

3. Benefits under the Plan

3.1 Death Benefit

The sum assured together with the attaching bonus, if any, will be payable upon death.

3.2 Total and Permanent Disability (TPD) Benefit

(Subject to a maximum Sum Assured of S$2,000,000 on any policies or riders issued by the Company on the
same Life Assured)

If the Life Assured suffers from TPD before the policy anniversary preceding his 65th birthday, the death benefit
will be payable in one lump sum and the policy will terminate.

The condition that the Life Assured’s disability must occur before the policy anniversary preceding his 65th
birthday is not applicable for the presumptive TPD, which is covered for whole of life. Presumptive TPD is
described as a condition where the Life Assured suffers from such a state of incapacity which is total and
permanent and which takes in 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 lost of the use of
one limb at or above the wrist or ankle.

If the Life Assured suffers from TPD before turning age 1, 20% of the death benefit will be payable in one lump
sum and the policy will terminate.

3.3 Terminal Illness Benefit

If the Life Assured suffers from Terminal Illness, the death benefit will be payable in one lump sum and the policy
will terminate.

Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months. This diagnosis must be supported by a specialist and confirmed by the Company’s
appointed doctor.

3.4 Living Benefit

Please refer to “Benefits under the Plan” in the Product Summary of the Supreme Protect Plus rider attached.

17 19
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3.5 Guaranteed Insurability Benefit (GIB)

This benefit gives the Life Assured the right to purchase an additional Whole Life or Endowment policy (with or
without riders attached) or a rider on his/her own life (which the Company makes available from time to time at the
Company’s discretion) that provides benefits for Death, TPD, Terminal Illness, Critical Illness (CI) or Advanced
Stage Critical Illness without underwriting upon occurrence of any of the following milestone events:

• Attain the age of 21

• Legal marriage
• Birth of a child
• Legal adoption of a child

The Life Assured is entitled to exercise the GIB option up to a maximum of two times (per life time), before the
policy anniversary on which the Life Assured is aged 60 next birthday. The option must be exercised within 180
days from the date of the milestone events. All premiums due on or before the date of conversion must be paid in
full.

The option can only be exercised if no claims for TPD, Terminal Illness, Critical Illness or Advanced Stage Critical
Illness benefits have been made under all plans issued by the Company.

The maximum sum assured each time the GIB is exercised is S$200,000 or 50% of the basic sum assured of this
policy whichever is lower for the plans covering Death and TPD and S$100,000 or 50% of the basic sum assured
of this policy whichever is lower for the plans covering Critical Illness and/or Advanced Stage Critical Illness.

3.6 Surrender Value

The surrender values will be available after the payment of three full years of premium. After the policy has
been in force for three years, the bonus may be surrendered for its surrender value.

At present, loans of up to 92% of the total surrender value may be taken on the security of the policy.

3.7 Bonuses

This plan provides guaranteed and non-guaranteed benefits. The guaranteed benefits, including bonuses which
have already been declared, will be paid regardless of the performance of the Participating Fund. Non-
Guaranteed benefits are in the form of future bonuses.

The future bonuses which have yet to be declared are not guaranteed and the company will decide the level of
bonus to be declared each year as approved by the board of directors, taking into account the written
recommendation by the appointed actuary.

There are two main types of bonuses, reversionary bonus and terminal bonus.

3.7.1 Reversionary Bonus

The current reversionary bonus rate of the plan is as follows:

End of Policy Year Reversionary Bonus
Less than 21 $7.5 per $1000 sum assured compounding at 1.5% p.a.
21 & above $9 per $1000 sum assured
Reversionary bonus is determined annually and is added to the guaranteed benefit. Once declared, it will
form part of the guaranteed benefit of this policy.

18
20
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3.7.2 Terminal Bonus

Terminal bonus on Death, TPD, Terminal Illness or Critical Illness is as follows:

SUPREME PROTECT
End of Policy Year Terminal Bonus (as percentage of
attaching Reversionary Bonus
payable on death, TPD, Terminal
Illness or Critical Illness)
10 80%
11 90%
12 100%
13 110%
14 130%
15 150%
16 170%
17 190%
18 210%
19 230%
20 250%
21 270%
22 265%
23 260%
24 255%
25 and above 250%
End of Policy Year Terminal Bonus (as percentage of
surrender value of attaching
Reversionary Bonus)
13 80%
14 90%
15 100%
16 110%
17 130%
18 150%
19 170%
20 190%
21 205%
22 205%
23 210%
24 210%
25 and above 215%

Terminal bonus on surrender is as follows:

Terminal bonus is a one-time bonus payable upon death or total and permanent disability or terminal
illness or critical illness or surrender of this policy. The review of the terminal bonus is usually held
annually.

Please note that the above bonus rates have been illustrated at the higher projected investment rate of
return in the Benefit Illustration.

19
_________________________________________________________________________________________________
21
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4. Investments of Assets

The Participating Fund seeks to achieve the projected investment rate of return while controlling risks. The fund does so
through active management of a mix of asset classes. Diversification is employed through investing primarily in equities,
fixed income and alternative asset classes.

While the Company partly manages the assets of the Participating Fund, Lion Global Investors Ltd has been appointed to
primarily manage the assets.

Lion Global Investors Ltd

65 Chulia Street, OCBC Centre #18-01, Singapore 049513

The strategic asset allocation for the year 2012 and actual investment mix of the Participating Fund as at 31 Dec 2012 is
as follows:

Asset Class Strategic Allocation Actual Allocation

Equities 24% 26%
Bonds 59% 49%
Land & Buildings 10% 8%
Loans 5% 6%
Cash & Equivalent 2% 9%
Others 0% 2%
Total Assets 100% 100%

The investment returns and investment expense ratio over the past 3 years were as follows:

Year Investment Return* Investment Expense

Ratio#
2010 6.58% 0.20%
2011 1.54% 0.21%
2012 9.76% 0.22%

* This investment return is shown net of any investment expenses incurred in managing the Participating Fund.
#
Investment expense ratio is defined as the costs incurred in investment (which includes investment fees paid to fund
managers for providing management services of the Participating Fund) expressed as a percentage of the size of funds
under management.

Please note that past performance is not necessarily indicative of future performance.

5. Types of Risks Affecting the Level of Bonuses

The level of the bonus depends on the performance of the Participating Fund.

Key factors affecting the performance of the Participating Fund are:

 Investment returns
 Expenses incurred or allocated to the Participating Fund
 The amount of death and sickness claims paid out on policies in the Participating Fund
 The numbers of surrenders of the policies in the Participating Fund

The Company will determine the level of bonuses taking into account the current performance, the future outlook as well
as the financial soundness of the Participating Fund.

20
_________________________________________________________________________________________________
22
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
Information accurate
insurance. Please at the
refer to time of print
Policy on 1 July
Document 2013.
for the ThisTerms
precise information is confidential
& Conditions, andexclusions
including the is strictly of
forthe
internal circulation
insurance plan. only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

6. Sharing of Risks

Your premiums, along with those of other participating policies will be combined in one pool of assets in the Participating
Fund.

SUPREME PROTECT
The surrender risks are pooled and shared by all policies in the Participating Fund which include both single and regular
premium plans. The investment risks borne by your plan will be shared with other participating plans. Other risks may be
shared among products that have the same features. Examples of such risks include expense risks, mortality risks and
morbidity risks.

In determining the level of bonuses that can be supported, the assets available to back the plan will be derived by
accumulating the premiums paid at the actual rate of investment return less the expenses incurred, cost of insurance,
commissions paid and other costs that may be incurred in managing the Participating Fund.

7. Smoothing of Bonuses

Bonuses are smoothed to ensure a stable medium- to long-term return on your policy. As a result, bonuses may be held
back in good years to support the maintenance of the bonus in years when experience is less favorable. However, the
effect of smoothing is intended to be neutral over time and across generations of policyholders.

Reversionary Bonus

The Company’s bonus distribution policy is to keep the reversionary bonus at a level that is expected to be sustainable
over the medium- to long-term. Thus, whilst the reversionary bonus is reviewed annually, it is not expected to fluctuate
much from year to year. Nevertheless, there may be significant adjustments under exceptional circumstances.

The reversionary bonus rates declared for this plan over the past three years are not available yet.

Terminal Bonus

The terminal bonus is usually reviewed annually. In exceptional circumstances, the review may be more frequent. The
terminal bonus is more likely to change from year to year but the Company’s policy is to limit the yearly variation so that,
under normal circumstances, the payout will not be subject to large fluctuations over the short term.

The historical terminal bonus rates declared for this plan over the past three years are not available yet.
#
Please note that past performance is not necessarily indicative of future performance.

8. Fees and Charges

This plan shares in the experience of the Participating Fund. This means that all expenses and charges relating to the
operation and management of the Participating Fund, as well as all sales related expenses can be charged to the policy
according to the risk-sharing rules described in Section 6.

Examples of such expenses include:

 Commission fees paid to agents or intermediaries
 Fees paid to fund managers for providing investment management services to the Participating Fund
 Mortality (death), morbidity (sickness), termination costs
 Management fees

Please refer to the Table of Deductions in the Benefit Illustration for more information.

Please note that fees and charges have been included in the calculation of the premium and will not be separately charged
to the policyholder.

9. Adjustments in Premium Rates

The premium rates for this plan are guaranteed.

21 23
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

10. Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions in the
contract. The following is a list of some of the exclusions for this plan:

10.1 Death Benefit

If the Life Assured dies by suicide, while sane or insane, within one year from the date of issue of this policy or
from the date of reinstatement, whichever is later, this Policy will be rendered void and the Company will refund all
premiums paid to the Policyholder or to the legal personal representative of the estate of the Policyholder if the
Policyholder and the Life Assured are the same person regardless of any assignment of this Policy.

10.2 TPD Benefit

Payment will not be made for TPD resulting from:

(a) self-inflicted injury, while sane or insane;
(b) bodily injury sustained while in or on an aircraft other than
(i) as a fare-paying passenger or a crew member on an aircraft licensed for
passenger service and operated by a regular airline on a scheduled route; or
(ii) as a member of the armed forces travelling as a passenger in a military
transport aircraft; or
(c) any physical or health impairment or disease which existed but was not disclosed to the Company at the date
of issue of the Policy or at the date of any reinstatement.

10.3 Terminal Illness Benefit

Terminal Illness in the presence of HIV infection is excluded.

10.4 Living Benefit

Please refer to “Exclusions” in the Product Summary of the Supreme Protect Plus rider attached.

You are advised to read the policy contract for the full list of exclusions.

11. Impact of Early Surrender

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and
the surrender value may be less than the total premium paid.

Please refer to the Table of Deductions in the Benefit Illustration for the potential cost of surrendering the plan early.

12. Update on Performance

You will receive an Annual Bonus Update that will include information about:
 A report of the performance of the Participating Fund and its future outlook;
 The bonuses allocated to your policy for that year.

You may expect to receive this information in April or May each year.

When there is a change in the rate of bonuses declared, you can request for an update of the projected total surrender
values.

22
24
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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13. Conflict of Interests

The board of directors is responsible for the interests of all stakeholders of the Company, including its Participating Fund
policyholders. It has put in place internal controls in the following areas where potential conflicts may arise:

SUPREME PROTECT
 expenses allocated to the Participating Fund out of the total expenses incurred by the
Company;
 the investment strategy of the Participating Fund.

These controls are in place to ensure that any conflicts of interest are managed so that the impact on the Participating
Fund policyholder’s benefits in aggregate is negligible.

14. Related Party Transactions

Our primary manager of the Participating Fund, Lion Global Investors Ltd, is a related party to the Company. All
transactions with the related parties will be approved by relevant internal committee to ensure that transactions are done at
arm’s length.

15. Risks

15.1 Early surrender of policy

If you cancel your policy within the free-look period i.e. 14 days from receiving your policy document, you will get a
refund of your premiums paid less any medical fees.

If you surrender your policy after the free-look period, you may lose all or part of the premiums paid at the
surrender value payable, if any, may be less than the total premiums paid.

Purchasing a new policy may require underwriting and may result in higher premiums and/or benefits exclusions
due to your age and health status at the point of re-application.

15.2 The worst case scenario for early surrender of policy

If you surrender your policy early, you will lose the protection that your policy provides and you will also lose all or
part of your premiums. The projected amount you will receive is reflected in the surrender value column in the
benefit illustration.

15.3 Risks that the premiums are not paid on time

If premiums are not paid on time, your policy may lapse (after 30 days grace period) depending on the net
surrender value. If the policy has sufficient net surrender value, an automatic premium loan (APL) will be granted.
If the policy lapses due to insufficient net surrender value, reinstatement of the policy is allowed within 3 years
from the lapse date and usual reinstatement conditions apply.

15.4 Risks pertaining to policy lapse

You will lose the protection and any other benefits that your policy provides.

15.5 Risks that the claim will be rejected

Definitions of the events covered as per contract must be met before a claim can be approved and these events
must not fall under the list of exclusions.

Pre-existing conditions that were not disclosed where required in the proposal form for new policy or reinstatement
or increase in Sum Assured (if applicable) may result in your claim being rejected.

You are advised to read the contract for the exact definitions, terms and conditions and full list of exclusions.

23
25
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

15.6 Risks involved in buying a participating regular premium whole life plan

This plan provides guaranteed and non-guaranteed benefits. The guaranteed benefits will be paid regardless of
the performance of the Participating Fund. Non-guaranteed benefits are dependent on the performance of the
Participating Fund.

15.7 Bonus payment after policy is surrendered

You will receive the surrender value of declared bonuses and the applicable terminal bonus upon surrender (if any).

16. Free Look Period

This policy may be cancelled by written request to the Company within 14 days after the Policyholder has received the
policy document in which case premiums paid less medical fees (if applicable) incurred in assessing the risk under this
policy will be refunded.

If this policy document is sent by post, it is deemed to have been delivered and received in the ordinary course of the post
7 days after the date of posting.

17. Policy Owners’ Protection Scheme

This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more
information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable,
please contact us or visit the Life Insurance Association (LIA) or SDIC (www.lia.org.sg or www.sdic.org.sg).

18. General Information

This summary is meant for general information only. It does not serve as an insurance contract. The precise terms and
conditions of this insurance plan are specified in the policy.

You may obtain a copy of the “Your Guide to Participating Policies” from the website www.lia.org.sg or request for
hardcopies from the Company.

24
26
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
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PART II: SUPREME PROTECT PLUS (SERIES 2)

(Compulsory Rider)

SECTION A: PRODUCT INFORMATION

SUPREME PROTECT
1. INTRODUCTION
Supreme Protect Plus (Series 2) is a compulsory Critical Illness rider for Supreme Protect (Series 2).

Supreme Protect Plus (Series 2) accelerates the Basic Sum Assured under the basic plan, i.e. Supreme
Protect (Series 2) to pay out upon diagnosis of one of the 30 Critical Illnesses or one of the five Advanced
Stage Critical Illnesses

Supreme Protect Plus (Series 2) offers 2 rider premium payment variations as follows:
Plan Name Premium Payment Term
Supreme Protect Plus 20 (Series 2) 20 years
Supreme Protect Plus (Series 2) Up to 80 ANB

2. PLAN CODE
Plans Plan Code
Supreme Protect Plus 20 (Series 2) T171
Supreme Protect Plus (Series 2) T172

3. BENEFITS

3.1 Living Benefit

Upon Diagnosis of:

a) one of the 30 Critical Illnesses, the Sum Assured portion of basic policy’s Death Benefit will
be accelerated and paid in one lump sum. The basic plan, to which this rider is attached, will
pay the attaching bonus (if any) in one lump sum. The policy will then be terminated; or

b) one of the 5 Advanced Stage Critical Illnesses, the Sum Assured portion of basic policy’s
Death Benefit will be accelerated and paid in one lump sum together with an additional
amount of 100% Sum Assured of this rider. The basic plan, to which this rider is attached,
will pay the attaching bonus (if any) in one lump sum. The policy will then be terminated

In the event where 2 claims are made, only the highest payment will be made for any one of the
individual claims.

Exceptions
For Angioplasty & Other Invasive Treatment for Coronary Artery (“Angioplasty”), the basic sum
assured equal to 10% of the rider sum assured (up to a maximum of $25,000 per life assured)
together with any bonuses applicable to the rider sum assured will be payable if the life assured
undergoes a treatment. After a claim is paid, the balance of the rider sum assured and balance of
the basic sum assured with reduced premiums will continue. No benefit for Angioplasty will be
payable for subsequent treatments under this and any other policies and riders covering
Angioplasty.

25
_________________________________________________________________________________________________
27
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information inaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Exclusions
The company will not pay any benefits :
(a) If there was a pre-existing Critical Illness or Pre-existing Advanced Stage Critical Illness which is
the same Critical Illness or Advanced Stage Critical Illness that is the subject of a claim under
this Rider:
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other
Invasive Treatment for Coronary Artery, if the diagnosis of any of these four Critical Illnesses
was made within 90 days from:
§ (1) the date of issue of the policy or this rider; or
§ (2) the date of reinstatement of the policy and this rider, whichever is the later date.
(C) for any Critical Illness or Advanced Stage Critical Illness which resulted either directly or
indirectly from self-inflicted injuries, while sane or insane.

4. POLICY VALUES
Supreme Protect Plus (Series 2) is a non-participating rider. Therefore it does not have any of the following
policy values:
i. Cash Surrender Value
ii. Automatic Premium Loan (APL)
iii. Reduced Paid Up Values
iv. Extended Term Assurance (ETA)
v. Policy Loan

5. UNDERWRITING AND ISSUANCE REQUIREMENTS

5.1 Eligibility
Singapore Citizens and Singapore Permanent Residents are eligible for the policy.
The policy can be issued to foreigners, subject to latest underwriting guidelines issued by New
Business Department.

5.2 Age at Entry

Plans Min Max
Supreme Protect 20 (Series 2) 55 ANB
1 ANB
Supreme Protect (Series 2) 65 ANB

For foreigners
Plans Min Max
Supreme Protect 20 (Series 2) 52 ANB
1 ANB
Supreme Protect (Series 2) 62 ANB

5.3 Policy Term

Whole of Life

5.4 Sum Assured

Min Max

Basic Sum Assured of the policy to which this rider is

$20,000 attached to or $1,000,000 (inclusive of other living
assurance cover offered by GEL), whichever is lower.

5.5 Rider Attachment Matrix

The Supreme Protect Plus (Series 2) can only be attached to Supreme Protect (Series 2). The
payment term of Supreme Protect Plus (Series 2) must be equal to that of the basic policy.

5.6 Non-Medical Limits & Financial Underwriting

Please make reference to the latest underwriting guidelines issued by New Business Underwriting.

26
28
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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5.7 Backdating
The backdating conditions follow that of the basic policy to which this rider is
attached.

SUPREME PROTECT
5.8 Restrictions
All restrictions, including the issuing of the policy to housewives, juveniles and members of the
Armed Forces, are subject to the latest underwriting guidelines issued by New Business
Department.

6. POLICY CONDITIONS

6.1 Lien Clause for Children

If the Life Assured is diagnosed with critical Illness or advanced stage critical illness before turning 1
year old, a percentage of the rider benefit will be paid in one lump sum as shown in the table below:

Standard CIs Advanced Stage CIs

1 ANB
20% of Rider Benefit 40% of Rider Benefit

The basic Policy and any attaching rider will then be terminated.

6.2 Third Party

Follow those conditions of the basic policy to which this rider is attached.

6.3 Reinstatement
Follow those conditions of the basic policy to which this rider is attached.

6.4 Assignment of Policy

Follow those conditions of the basic policy to which this rider is attached.

7. PREMIUMS

7.1 Premium
Premium rates for Supreme Protect Plus (Series 2) are level but t not guaranteed. The rates may
be revised in the future according to the experience of the Company.

7.2 Premium Rates

Premiums vary according to age at entry, gender and smoking habit.

7.3 Premium Payment Term

Plans Premium Payment Term
Supreme Protect Plus 20 (Series 2) 20
Supreme Protect Plus (Series 2) Up to age 80 ANB

7.4 Premium Payment Method and Modal Factor

Follows the basic policy to which this rider is attached

7.5 Premium Loading

Premium loading will be subject to existing underwriting rules.

27
_________________________________________________________________________________________________
29
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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7.6 Discount

7.6.1 Large Sum Assured Discount

Nil

7.6.2 Female Discount

Nil

7.6.3 Non-Smoker Discount

Distinct Smoker and Non Smoker rates apply.

8. SAMPLE PREMIUM RATES

8.1 Non-Smoker rates

Male, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect Plus 20 Supreme Protect Plus
ANB
(Series 2) (Series 2)
1 $4.46 $1.89
10 $5.34 $2.45
20 $7.28 $3.56
30 $8.96 $5.42
40 $11.38 $8.63
50 $16.10 $14.03

Female, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect Plus 20 Supreme Protect Plus
ANB
(Series 2) (Series 2)
1 $4.97 $2.11
10 $6.02 $2.80
20 $8.34 $4.03
30 $10.26 $6.04
40 $12.86 $8.94
50 $15.54 $13.08

8.2 Smoker rates

Male, Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect Plus 20 Supreme Protect Plus
ANB
(Series 2) (Series 2)
1 $5.71 $2.50
10 $6.91 $3.32
20 $9.52 $4.87
30 $11.94 $7.66
40 $15.24 $12.35
50 $22.80 $20.82

28
30
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT
(PRODUCT & SUPREME
INFORMATION PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Female, Smoker, Annual Premium Rate per $1,000 Sum Assured

Supreme Protect Plus 20 Supreme Protect Plus
ANB
(Series 2) (Series 2)
1 $6.34 $2.77

SUPREME PROTECT
10 $7.75 $3.75
20 $10.82 $5.54
30 $13.40 $8.30
40 $17.06 $12.64
50 $20.64 $18.25

9. GUIDE TO PRODUCT INVESTMENT RISK CLASSIFICATION / CLIENT INVESTMENT

RISK PROFILE MATCH
Client All Risk Conservative Moderately Moderately Aggressive
Investment Profiles: Conservative Aggressive
Risk Profile Conservative,
Moderately
Conservative,
Moderately
Aggressive,
Aggressive
Product N.A. Lower Low to Medium to Higher
Investment (Pure (Generally Medium High (Generally
Risk Protection with 50% or (Generally (Generally with no
Classification without or little more capital with less than with no guarantee,
cash value) guarantee) 50% capital guarantee; higher
guarantee) moderate volatility)
volatility)
Supreme
Protect Plus
20 (Series 2)
ü
Supreme
Protect Plus
(Series 2)
ü
Note: For plans with riders, the final Product Investment Risk will be base on the Higher Risk
Classification of either the basic plan or the rider.

29 31
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
not
insurance. Please refer tointhe
to be reproduced, whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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10. AGENCY COMPENSATION

10.1 Basic Commission

Plan Name Premium Basic Commission (as percentage of the premium)
Payment
Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
Supreme
Protect 20 Plus 20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
(Series 2)
Supreme 15 30.00% 10.00% 5.00% 5.00% 5.00% 5.00%
Protect Plus 16 32.00% 11.00% 5.00% 5.00% 5.00% 5.00%
(Series 2) 17 34.00% 12.00% 5.00% 5.00% 5.00% 5.00%
18 36.00% 13.00% 5.00% 5.00% 5.00% 5.00%
19 38.00% 14.00% 5.00% 5.00% 5.00% 5.00%
20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
21 42.00% 17.00% 5.00% 5.00% 5.00% 5.00%
22 44.00% 19.00% 5.00% 5.00% 5.00% 5.00%
23 46.00% 21.00% 5.00% 5.00% 5.00% 5.00%
24 48.00% 23.00% 5.00% 5.00% 5.00% 5.00%
25 &
50.00% 25.00% 5.00% 5.00% 5.00% 5.00%
above

10.2 Threshold Commission

The prevailing agency compensation structure that is effective on the effective date of the policy.

30
32
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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SECTION B: SAMPLE BENEFIT ILLUSTRATION & PRODUCT SUMMARY

SUPREME PROTECT PLUS – LIMITED PAY 20 (BENEFIT ILLUSTRATION)

SUPREME PROTECT
Plan: Supreme Protect Plus (Series 2)
Sum Assured: $100,000
Annual Premium: $542.00 (M:$46.55 Q:$139.60 H:$276.45)
Rider Term: Whole of Life
Payable For: 50 years

End of
Total Premiums Paid Total Distribution Total Guaranteed Death
Policy
To-date (S$) Cost To-date (S$) Benefit (S$)
Year/Age
1/31 542.00 589 -
2/32 1,084.00 851 -
3/33 1,626.00 901 -
4/34 2,168.00 930 -
5/35 2,710.00 959 -
6/36 3,252.00 989 -
7/37 3,794.00 989 -
8/38 4,336.00 989 -
9/39 4,878.00 989 -
10/40 5,420.00 989 -
15/45 8,130.00 989 -
20/50 10,840.00 989 -
25/55 13,550.00 989 -
30/60 16,260.00 989 -
35/65 18,970.00 989 -
40/70 21,680.00 989 -

This rider does not have any surrender value throughout the entire term.

Please note that the premium rates for this rider are not guaranteed. These rates may be adjusted
based on future experience.

31
_________________________________________________________________________________________________
33
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SUPREME PROTECT PLUS (SERIES 2) – LIMITED PAY (PRODUCT SUMMARY)

1. Plan Description

This is a Whole Life rider that provides lifetime insurance protection against Critical Illnesses. The premiums shall be
payable for a limited premium payment term of 20 years. This rider sum assured must be equal to the sum assured of the
basic plan.

2. Benefits under the Plan

(Subject to a maximum Sum Assured of S$1,000,000 on any policies or riders issued by the Company on the same Life
Assured)

(a) If the Life Assured is diagnosed to be suffering from any one of the 30 Critical Illnesses listed below, this rider will
pay the basic sum assured. The basic plan, to which this rider is attached, will pay the attaching bonuses (if any) in
one lump sum.

(1) Heart Attack (16) Heart Valve Surgery

(2) Stroke (17) Loss of Speech
(3) Coronary Artery By-Pass Surgery (18) Major Burns
(4) Major Cancers (19) Surgery to Aorta
(5) Kidney Failure (20) Apallic Syndrome
(6) Fulminant Hepatitis (21) Muscular Dystrophy
(7) Major Organ/ Bone Marrow Transplantation (22) End Stage Lung Disease
(8) Encephalitis (23) End Stage Liver Failure
(9) Multiple Sclerosis (24) Motor Neurone Disease
(10) Primary Pulmonary Hypertension (25) Parkinson's Disease
(11) HIV Due to Blood Transfusion and Occupationally
Acquired HIV (26) Aplastic Anaemia
(12) Alzheimer's Disease/ Severe Dementia (27) Benign Brain Tumour
(13) Progressive Scleroderma (28) Major Head Trauma
(14) Coma (29) Bacterial Meningitis
(15) Deafness (Loss of Hearing) (30) Angioplasty & Other Invasive
Treatment for Coronary Artery

In the event the Life Assured contracts a Critical Illness before turning age 1, the Company shall pay 20% of the
amount of the benefits payable plus attaching bonus (if any) and this rider shall terminate.

With effect from 1 July 2003, the insurance industry has adopted common definitions for all Critical Illnesses. This
means that each illness covered will be defined the same way by all insurance companies. You are advised to refer to
the policy contract for definition and details of the above Critical Illnesses.

For Angioplasty & Other Invasive Treatment For Coronary Artery ("Angioplasty"), the basic sum assured equal to 10%
of the rider sum assured (up to a maximum of $25,000 per Life Assured) plus 10% of attaching bonus (if any) will be
payable if the Life Assured undergoes a treatment. After a claim is paid, the balance of the rider sum assured and
balance of the basic sum assured with reduced premiums will continue. No benefit for Angioplasty will be payable for
subsequent treatments under this and any other policies and riders covering Angioplasty.

(b) If the Life Assured is diagnosed to be suffering from any one of the 5 Advanced Stage Critical Illnesses listed below,
this rider will pay 200% of the basic sum assured. The basic plan, to which this rider is attached, will pay the attaching
bonuses (if any) in one lump sum.

(1) Advanced Stage Cancer

(2) Heart Attack with severe permanent impairment in function
(3) Stroke with severe impairment
(4) Coronary Artery By-pass Surgery
(5) Extensive Burns

In the event the Life Assured contracts an Advanced Stage Critical Illness before turning age 1, the Company shall
pay 40% of the amount of the benefits payable and this rider shall terminate.

32
34
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
not to be Please
insurance. reproduced,
refer toin
thewhole
Policyor part, for for
Document public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(c) Only one claim either under 2(a) or 2(b) is payable. After a claim is paid, the Policy and any attaching riders will
terminate, except when Angioplasty & Other Invasive Treatment for Coronary Artery (“Angioplasty”) is diagnosed
where the Policy and this rider will still continue at the reduced sum assured.

SUPREME PROTECT
(d) If two claims are made at the same time, the Company will only pay the highest claim that is admitted by the
Company.

3. Adjustments in Premium Rates

The premium rates for this rider are not guaranteed. These rates may be adjusted based on future experience.

The Company may amend the premium rates at any time with at least 45 days’ notice before the premium due date at
which the amended rates will apply.

4. Exclusions

The Company will not pay any benefits:

(a) if there was a Pre-existing Critical Illness or Pre-existing Advanced Stage Critical Illness which is the same Critical
Illness or Advanced Stage Critical Illness which is the subject of a claim under this Rider;
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other
Invasive Treatment For Coronary Artery if the diagnosis of any of these four Critical Illnesses was made within 90
days from:
(i) the date of issue of the Policy or this Rider; or
(ii) the date of reinstatement of the Policy and this Rider, whichever is the later date; or
(c) for any Critical Illness or Advanced Stage Critical Illness which resulted either directly or indirectly from self-
inflicted injuries of the Life Assured.

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions in
the contract. You are advised to read the policy contract for the full list of exclusions.

5. Policy Owners’ Protection Scheme

This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more
information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable,
please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Note: This summary is meant for general information only. It does not serve as an insurance contract. The precise
terms and conditions of this insurance plan are specified in the policy.

33
_________________________________________________________________________________________________
35
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT
SUPREME PROTECT &
& SUPREME
SUPREME PROTECT
PROTECT PLUS
PLUS (SERIES
(SERIES 2)
2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART III: SAMPLE POLICY CONTRACTS & ENDORSEMENTS

(1) Terms & Conditions for Life Insurance Contract

Clauses

1. Varying of this Contract of Insurance

1.1 This Policy may only be varied if the Company consents in writing. The Policyholder’s and the Life Assured’s
statements made when applying for this Policy will be taken to be representations and not warranties, unless
there is fraud. Any subsequent endorsement made by the Company will take effect from the date of the
endorsement.
1.2 The Company may from time to time determine the manner in which this Policy is varied by way of an
endorsement to this Policy document.

2. Residence, Occupation and Travel

This Policy is free from restrictions as regards to residence, occupation and travel.

3. Free Look
3.1 This Policy may be cancelled by written request to the Company within 14 days after the Policyholder
receives this Policy document in which case premiums paid less medical fees incurred in assessing the risk
under this Policy will be refunded.
3.2 If this Policy document is sent by post it is deemed to have been delivered and received in the ordinary
course of the post 7 days after the date of posting.
4. Indisputability
The Company will not dispute the validity of this Policy during the lifetime of the Life Assured after one year from
the date of issue, or date of reinstatement of this Policy, whichever is later, unless there is fraud or non-payment
of premiums.

5. Premiums
5.1 The Policyholder has to pay all premiums on or before the due dates without any need for the Company to
inform him that a premium is due.
5.2 This Policy will continue to be in force as long as the premiums are paid annually in advance. The Company
will allow the premiums to be paid by half-yearly, quarterly or monthly instalments.
5.3 If there is a claim made on this Policy, the Company will deduct any future instalments needed to complete
the full year’s premium from the claim proceeds.

6. Confirmation of Age
6.1 The Policyholder must prove the date of birth of the Life Assured to the Company before the Company is
required to pay any benefit under this Policy.
6.2 If the Life Assured’s age is understated, the Company will pay the sum assured that the premium paid would
have bought according to the rate at the actual age, and not the sum assured stated in the Schedule. If the
Life Assured’s age is overstated, the Company will refund any excess of premium paid.

34
36
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

7. Surrender Value
After this Policy has acquired a surrender value, the Company will pay the surrender value to the Policyholder if
he surrenders this Policy. If the Policyholder owes a debt under the Policy, this sum will be deducted from the
surrender value and the Company will pay the balance sum. Once the Policy has acquired a surrender value, the

SUPREME PROTECT
following may happen, with regard to the Policy:
7.1 Loans
7.1.1 The Company will provide the following types of loans:
7.1.1.1 the Policyholder may apply to the Company for cash loans which the Company may grant to
the Policyholder, the amount of which will be quoted by the Company on application by the
Policyholder; or
7.1.1.2 if the Policyholder fails to pay a premium within the grace period as provided in Days of
Grace clause, this Policy will not lapse but:
(a) the Company will automatically grant an automatic premium loan (“APL”) equal to the
unpaid premium. However, at the due date of the unpaid premium, the surrender value
less any amount owed under this Policy (“net surrender value”) must be more than or
equal to the unpaid premium. This Policy will continue until the next premium due date;
or
(b) the Company will automatically grant an APL equal to the net surrender value if it is less
than the unpaid premium. This Policy will continue for a pro-rated period, in proportion to
the APL granted as it relates to the unpaid premium. This Policy will lapse at the end of
the pro-rated period.
The unpaid premium includes premiums payable for all supplementary benefits stated in
the Schedule of Supplementary Benefits of this Policy.
7.1.2 The Company will charge interest on the above loan amount(s) at interest rates to be determined by
the Company from time to time. Any unpaid interest will form part of the loan so long as the surrender
value of this Policy allows. This Policy will lapse if the total loan amount owed is more than the
surrender value of this Policy.
7.1.3 Any loan or any part of any loan may be repaid while this Policy is in force. If there is no indication
how the repayment amount is to be used, the Company will first use that amount in payment of any
APL. If there is no APL, then the Company will use that amount to pay any unpaid premiums or any
cash loan, in that order of priority.
7.1.4 Any outstanding loan under this Policy is a first charge against this Policy until it is repaid. If there is a
claim under this Policy, any sum owed will be deducted from the claim proceeds before payment is
made.
7.2 Paid-up Assurance
7.2.1 The Policyholder may apply to the Company for a paid up assurance which the Company will grant,
with a reduced sum assured, without the need for the Policyholder to pay any more premiums.
7.2.2 Any debt owed to the Company under this Policy will be deducted from the surrender value before
the conversion into a paid-up assurance.

35 37
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, inaccurate
whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

7.3 Extended Term Assurance

The Policyholder may apply to the Company for an extended term assurance for the full sum assured. The
duration of the extended term assurance will be as follows:
(i) if this Policy is a Whole Life policy, the duration of the insurance will be what the net surrender value
will purchase at the age of the Life Assured on the date of the application; or
(ii) if this Policy is an Endowment policy and the net surrender value is not enough to continue the
extended term assurance up to the maturity date, the duration of the insurance will be what the net
surrender value will purchase at the age of the Life Assured on the date of the application; or
(iii) if this Policy is an Endowment policy and the net surrender value is enough to continue the extended
term assurance up to the maturity date, the duration of the insurance will be up to the maturity date;
or
(iv) if this Policy is an Endowment policy and the net surrender value is more than enough to continue the
extended term assurance up to the maturity date, the Company will use the excess of the net
surrender value to purchase a paid-up pure endowment for an amount which will be paid on the
maturity date, if the Life Assured is still alive.
8. Reversionary Bonus
8.1 If this Policy is a participating policy as shown in the Schedule, it will be entitled to any reversionary bonus
declared by the Company. The Company usually declares a reversionary bonus each year. The Company
does not guarantee that it will declare a reversionary bonus every year.
8.2 A reversionary bonus is a bonus to be added to the Basic Sum Assured. This is payable upon the maturity of
this Policy (where applicable) or upon the death of the Life Assured, whichever event occurring first.
8.3 Any reversionary bonus decided for this Policy will only take effect after 3 years from the date of
commencement of this Policy or otherwise as decided by the Company and made effective, in accordance
with the varying of this Contract of Insurance clause.
8.4 The Policyholder may surrender any reversionary bonus declared for its cash value after the Policy has been
in force for 3 years from the date of commencement of this Policy or otherwise as decided by the Company.
8.5 If this Policy is a non participating policy as shown in the Schedule, it will not be entitled to any reversionary
bonus.
9. Terminal Bonus
9.1 If this Policy is a participating policy as shown in the Schedule, this Policy may be entitled to a terminal bonus.
The amount of terminal bonus payable will be determined by the Company at its absolute discretion. It will
only be payable once and is not guaranteed.
9.2 The terminal bonus is payable upon the maturity of this Policy (where applicable) or upon surrender of this
Policy or upon the death of the Life Assured, whichever event occurring first.
9.3 If this Policy is a non-participating policy as shown in the Schedule, it will not be entitled to any terminal
bonus.
10. Days of Grace
10.1 The Policyholder has 30 days (“the grace period”) from the due date of the premium to pay the renewal
premium.
10.2 If the Life Assured dies during the grace period before the premium is paid, this Policy will be as valid and
effective as though the premium has been paid. However, the Company will deduct all unpaid premium
instalments needed to complete one full year’s premium, from the claim proceeds.
10.3 This Policy will lapse and be null and void if there are still unpaid premiums at the end of the grace period and
the Company will forfeit any premiums paid unless this Policy has acquired a surrender value as provided for
in the Surrender Value clause.

36
38
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, inaccurate
whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

11. Suicide
If the Life Assured dies by suicide, while sane or insane, within one year from the date of issue of this Policy or
from the date of any reinstatement, whichever is later, this Policy will be rendered void and the Company will
refund all premiums paid to the Policyholder or to the legal personal representative of the estate of the

SUPREME PROTECT
Policyholder if the Policyholder and the Life Assured are the same person regardless of any assignment of this
Policy.
12. Reinstatement
If this Policy lapses under the Surrender Value clause or the Days of Grace clause, the Policyholder may reinstate
it within 3 years from the date of lapsing, at the option of the Company, subject to the following conditions:
(a) the Policyholder gives evidence of insurability satisfactory to the Company and if any medical reports or tests are
required by the Company, the Policyholder will have to pay for these medical reports and tests;
(b) the Policyholder has to inform the Company of any change in the health of the Life Assured or any circumstances
that may affect the health of the Life Assured up to the date of reinstatement of this Policy;
(c) the Policyholder pays all unpaid premiums and any interest charged by the Company which have accumulated up
to the date of reinstatement; and
(d) the Policyholder makes full repayment of all loans due to the Company with accumulated interest, including any
other interest if any, charged by the Company.
13. Notice of Assignment
A written notice of assignment or charge on this Policy only binds the Company, if it is delivered to the Company
at its head office or its branch offices. The Company is not responsible for the validity of any assignment or charge
by just acknowledging the notice.
14. Notices and Correspondence
14.1 Any request, notice, instruction or correspondence required under this Policy whether to the Company or the
Policyholder has to be in writing and will be delivered personally or sent by courier, or by post, or facsimile
transmission or electronic mail addressed to the addressee or by any other means as approved or adopted or
accepted by the Company. For the Policyholder, the mailing address is that stated in the proposal or any
other address that the Policyholder has informed the Company in writing.
14.2 The Company’s notice, request, instruction or correspondence is presumed to be received:
(a) in the case of a letter, on the 7th day after posting if posted locally, and on the 14th day after posting,
if posted overseas;
(b) in the case of personal delivery or delivery by courier, on the day of delivery;
(c) in the case of a facsimile transmission or electronic mail, on the business day immediately following
the day of despatch; or
(d) in the case of other means as approved, adopted or accepted by the Company, on the day that the
Company decides is reasonable to receive the notice, request, instruction or correspondence.
15. Governing Law
This Policy will be governed by the laws of Singapore and the Courts of Singapore have exclusive jurisdiction for
any disputes arising out of this Policy.
16. Exclusion of the Contracts (Rights of Third Parties) Act Cap. 53B
A person who is not a party to this Policy shall have no right under the Contracts (Rights of Third Parties) Act 53B
to enforce any of its terms.

------------------------------------------------------------- End of page -----------------------------------------------------------

37 39
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(2) Policy Owners’ Protection Scheme

Endorsement No. 642 (PPF-1)

GREAT EASTERN LIFE

ENDORSEMENT NO. 642 (PPF-1)

POLICY OWNERS’ PROTECTION SCHEME

1. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For
more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where
applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or
www.sdic.org.sg).

---------------------------------------------------------------- End of page --------------------------------------------------------

38
40
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(3) Total & Permanent Disability Benefit Endorsement

Endorsement No. 639 (TPD-3)

SUPREME PROTECT
GREAT EASTERN LIFE
ENDORSEMENT NO. 639 (TPD-3)

TOTAL AND PERMANENT DISABILITY BENEFIT

1. DEFINITIONS
“Disability Benefit” means the Basic Sum Assured shown in the Schedule to the Policy minus any lien.
“Bonuses” means any reversionary bonuses and terminal bonuses which would have been payable had the Life
Assured died on the day he becomes totally and permanently disabled as defined in clause 3 below.
“Date of Commencement” refers to the Date of Commencement shown in the Schedule to the Policy.
“Medical Practitioner” means a surgeon or physician qualified by degree in Western Medicine, who is legally and
duly qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy Anniversary” refers to any anniversary of the Date of Commencement.
“TPD” means such total and permanent disability as defined in clause 3 below.

2. BENEFITS
While the Policy is in force, if the Life Assured suffers from TPD, the Company will pay the Disability Benefit and the
Bonuses in one lump sum and the Policy will terminate, subject to the following conditions:
(a) The Life Assured’s disability under clause 3.1(a) must occur before the Policy Anniversary on which his age next
birthday is 65 years.
(b) All outstanding instalments of premiums up to the Policy Anniversary following the date on which the Life Assured
suffers from the TPD and any cash or automatic loan(s) will be deducted from the total of Disability Benefit and
the Bonuses before the balance amount is paid.
(c) The total amount of the sum assured for the payment of the Disability Benefit to be made by the Company is
limited to $2,000,000/- under this and all policies and riders issued by the Company on the same Life Assured,
giving similar benefits.
(d) Notwithstanding anything to the contrary in this Endorsement, if the Life Assured is less than 1 year old when he
suffers from TPD, the Company will only pay 20% of the Disability Benefit in 1 lump sum (“1 lump sum”) including
the Bonuses applicable to the 1 lump sum and this Policy will terminate.
(e) The definition of TPD sub-clause 3.2 only applies when the Life Assured is 15 years old or less at the time he
suffers from the TPD, otherwise the definition of TPD in sub-clause 3.1 will apply.

3. DEFINITION OF TOTAL AND PERMANENT DISABILITY

3.1 Applicable when the Life Assured is more than 15 years old
The disability is total and permanent only if the Life Assured suffers from a state of incapacity which is total and
permanent and:
(a) which is such that there is not at that time, nor at any time thereafter, any work, occupation or profession
which the Life Assured can ever perform or follow sufficiently to earn or obtain any wage, remuneration or
profit; or
(b) which 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 the use of one limb
at or above the wrist or ankle.
39 41
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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3.2 Applicable when the Life Assured is 15 years old or less

The disability is total and permanent only if the Life Assured suffers from a state of incapacity which is total and
permanent and:
(a) which is such that the Life Assured has been confined to a home, hospital or other institution requiring
constant care and medical attention for at least 6 consecutive months; or
(b) which 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 the use of one limb
at or above the wrist or ankle.
4. EXCEPTIONS
Payment of the Disability Benefit will not be made for TPD resulting from:
(a) self-inflicted injury, while sane or insane;
(b) bodily injury sustained while in or on an aircraft other than
(i) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and operated
by a regular airline on a scheduled route or
(ii) as a member of the armed forces travelling as a passenger in a military transport aircraft;
(c) any physical or health impairment or disease which existed but was not disclosed to the Company at the date of
issue of the Policy or at the date of any reinstatement.

5. CONDITIONS
5.1 The Policyholder must notify the Company in writing of any claim as soon as it is practicable. In any case, the
Policyholder must produce satisfactory proof of the TPD on forms furnished by the Company within six months
from the Date of Commencement of the TPD.
5.2 If required by the Company, the Life Assured must undergo medical examination by a Medical Practitioner
appointed by the Company in connection with the alleged TPD.
5.3 The Company will not be liable if there is a failure to comply with any of the above conditions.
5.4 All valid claims under this Endorsement will extinguish other rights and options, values and benefits under the
Policy, including benefits payable on survival of the Life Assured.

6. CANCELLATION
This Endorsement is cancelled if the Policy:
(a) is converted into a paid-up or extended term assurance; or
(b) lapses or is surrendered or is otherwise terminated.

---------------------------------------------------------------- End of page --------------------------------------------------------

40
42
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(4) Terminal Illness Benefit

Endorsement No. 659 (TI-3)

GREAT EASTERN LIFE

SUPREME PROTECT
ENDORSEMENT NO. 659 (TI-3)

1. DEFINITIONS
"Basic Sum Assured" refers to the Basic Sum Assured shown in the Schedule to the Policy.
“Bonuses” means any reversionary bonuses and terminal bonuses which would have been payable had the Life
Assured died on the day that he is diagnosed with Terminal Illness.
"Medical Practitioner" means a surgeon or physician qualified by degree in Western Medicine, who is legally and
duly qualified to practice medicine and surgery and authorised in the geographical area of his practice.
“Policy Anniversary” means any anniversary of the Date of Commencement stated in the Schedule to the Policy.
“Terminal Illness” refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months of the diagnosis. Terminal illness in the presence of HIV infection is excluded.

2. BENEFITS
2.1 If the Life Assured is diagnosed with a Terminal Illness, the Company will pay the Basic Sum Assured and the
Bonuses in one lump sum and the Policy will terminate.
2.2 All outstanding instalments of premiums up to the Policy Anniversary following the date on which the Life Assured
is diagnosed with a Terminal Illness and any cash or automatic loan(s) will be deducted from the benefit payable
before the balance amount is paid.

3. CONDITIONS
3.1 The Policyholder must notify the Company of any claim in writing as soon as it is practicable.
3.2 The Terminal Illness must be diagnosed by a registered Medical Practitioner and must be supported by clinical,
radiological, histological and laboratory evidence acceptable to the Company.
3.3 All medical reports or any other evidence required by the Company for any claim must be furnished at the
Policyholder's expense.
3.4 If required by the Company, the Life Assured must undergo medical examination by the Medical Practitioner
appointed by the Company. If the Life Assured refuses to undergo the medical examination by the Medical
Practitioner, the Company reserves the right not to pay the Basic Sum Assured.
3.5 The Company will not be liable if there is a failure to comply with any of the above conditions.
3.6 All valid claims under this Endorsement will extinguish other rights and options, values and benefits under the
Policy, including benefits payable on survival of the Life Assured.

4. CANCELLATION
The Endorsement is cancelled if the Policy:
(a) is converted into a paid-up or extended term assurance; or
(b) lapses, or is surrendered or is otherwise terminated.

41 43
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, inaccurate
whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhe
whole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(5) Living Benefit

Endorsement No. 640 (CI-1)

GREAT EASTERN LIFE

ENDORSEMENT NO. 640 (CI-1)

LIVING BENEFIT

1. DEFINITIONS
“Basic Sum Assured” refers to the basic sum assured stated in the Schedule as revised from time to time.
“Critical Illness” means any of the critical illnesses specified and defined in the Critical Illness Rider attached to the
Policy.
“Advanced Stage Critical Illness” means any of the advanced stage critical illnesses specified and defined in the
Critical Illness Rider attached to the Policy.
“Critical Illness Rider” means Supreme Protect Plus T171 or Supreme Protect Plus 20 T172.
“Medical Practitioner” means a surgeon or physician qualified by degree in Western Medicine, who is legally and duly
qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy Anniversary” means any anniversary of the commencement date of the Policy stated in the Schedule.
“Terminal Illness” refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months of the diagnosis. Terminal illness in the presence of HIV infection is excluded.

2. BENEFITS
2.1 While the Policy is in force, if the Life Assured is diagnosed with:
(a) Angioplasty & Other Invasive Treatment For Coronary Artery as defined in the Critical Illness Rider,
the Company will pay 10% of the attaching bonus in one lump sum; or
(b) an Advanced Stage Critical Illness or Critical Illness except for Angioplasty & Other Invasive
Treatment For Coronary Artery as defined in the Critical Illness Rider, the Company will pay any
attaching bonuses applicable to the Basic Sum Assured in one lump sum and the Policy will
terminate.
2.2 While the Policy is in force, if the Life Assured is diagnosed with a Terminal Illness, the Company will pay the
Basic Sum Assured plus any attaching bonuses applicable to the Basic Sum Assured and the Policy will
terminate subject to the following conditions:
(a) The Terminal Illness must be diagnosed by a registered Medical Practitioner and must be supported
by clinical, radiological, histological and laboratory evidence acceptable to the Company.
(b) All medical reports or any other evidence required by the Company for any claim must be furnished
at the Policyholder’s expense.
(c) If required by the Company, the Life Assured must undergo medical examination by the Medical
Practitioner appointed by the Company.
(d) The Company will not be liable if there is a failure to comply with any of the above conditions.

2.3 All outstanding instalments of premiums up to the Policy Anniversary following the date on which the Life
Assured is diagnosed with a Critical Illness, Advanced Stage Critical Illness or Terminal Illness and any cash
or automatic loan(s) will be deducted from the Living Benefit before the balance amount is paid.

42
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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3. CANCELLATION
This Endorsement is cancelled -
(a) if the Policy is converted into a paid-up or extended term assurance; or

SUPREME PROTECT
(b) if the Policy lapses or is surrendered or is otherwise terminated.

---------------------------------------------------------- End of page -------------------------------------------------

43 45
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(6) Guaranteed Insurability Benefit (GIB)

Endorsement No. 641 (GIB-1)

GREAT EASTERN LIFE

ENDORSEMENT NO. 641 (GIB -1)

GUARANTEED INSURABILITY BENEFIT (GIB)

1. DEFINITION
“Critical Illness” means the critical illness as defined in any policy or rider.
“Advanced Stage Critical Illness” means the advanced stage critical illness as defined in any policy or rider.
“Terminal Illness” refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months of the diagnosis. Terminal illness in the presence of HIV infection is excluded.
“TPD” means total and permanent disability as defined in any total and permanent disability endorsement
attached to the Policy.

2. BENEFIT
While the Policy is in force, the Policyholder has the option (“the GIB option”) to purchase an additional whole life
or endowment policy (with or without riders attached) or a rider (which the Company makes available from time to
time at the Company’s discretion) that provides benefits for death, TPD, Terminal Illness, Critical Illness or
Advanced Stage Critical Illness without underwriting, on the Life Assured subject to the following conditions:
(a) The Policyholder may exercise the GIB option upon any of the following milestone events:
(i) the Life Assured reaching the age of 21;
(ii) the Life Assured’s legal marriage;
(iii) the birth of a child of the Life Assured; or
(iv) the Life Assured legally adopting a child.
(b) The Policyholder is entitled to exercise the GIB option:
(i) Up to a maximum of 2 times per life time of the Life Assured;
(ii) Before the Policy Anniversary on which the Life Assured is aged 60 years next birthday;
(iii) Within 180 days from the date of the milestone events stated in clause 2(a);
(iv) Such policies or riders must be on the Life Assured’s own life;
(v) Provided no claims for TPD, Terminal Illness, Critical Illness or Advanced Stage Critical Illness
benefits have been made under all policies and riders issued by the Company on the same Life;
and
(vi) Provided all premiums due under this Policy and all riders attached to this Policy on and before
the date of exercise are fully paid.
(c) The maximum sum assured of the new policies or riders which the Policyholder purchases by exercising
the GIB option for each milestone event stated in clause 2 (a) is:
(i) $200,000 or 50% of the Basic Sum Assured of this Policy for the new policies or riders providing
benefits for death and TPD; whichever is lower; and
(ii) $100,000 or 50% of the Basic Sum Assured of this Policy for the new policies or riders providing
benefits for Critical Illness and/or Advanced Stage Critical Illness; whichever is lower.

44
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(d) If the Policyholder wishes to exercise the GIB option for new policies or riders providing benefits:
(i) for death and TPD, the Life Assured must be a standard life or a substandard life as determined
by the Company with up to 100% extra mortality loading at the date of issue or the date of
reinstatement of this Policy, whichever is the later date; or

SUPREME PROTECT
(ii) for Critical Illness and Advanced Stage Critical Illness, the Life Assured must be a standard life
as determined by the Company at the date of issue or the date of reinstatement of this Policy,
whichever is the later date.
(e) The new policies or riders for which the Policyholder exercises the GIB option under sub-clause 2(d) will
be subject to the same extra loading/ same class of rating, if any, which was imposed on this Policy.

3. CANCELLATION
This Endorsement is cancelled -
(c) if the Policy is converted into a paid-up or extended term assurance; or
(d) if the Policy lapses or is surrendered or is otherwise terminated.

--------------------------------------------------------------------- End of page ---------------------------------------------------

45
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(7) Surrender Values

Endorsement No. 143 (GSV)

GREAT EASTERN LIFE

ENDORSEMENT NO. 143 (GSV)

SURRENDER VALUES

1. The surrender values referred to in the Clauses are shown in the table below, which do not include bonuses. These
values are based on the assumption that premiums have been paid to the end of the policy years shown. If premiums
are paid for part of a year, the surrender values will be adjusted in proportion.

2. In the table below, Policy Year “1” starts on the Date of Commencement shown in the Schedule to the Policy and ends
on the day before the first anniversary of the Date of Commencement. A subsequent policy year will start on an
anniversary of the Date of Commencement and end on the day before the next anniversary.

Surrender Values per $ 1,000 Basic Sum Assured

----------------------------------------------------------- End of page -------------------------------------------------------------

46
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(8) Endorsement for Limited-Pay

Endorsement No. 326 (RPTGTB)

SUPREME PROTECT
GREAT EASTERN LIFE
ENDORSEMENT NO. 326 (RPTGTB)

1. DEFINITIONS

“Policy” means the Policy to which this Endorsement is attached.

“Riders” refers to any riders attached to this Policy whether attached to this Policy upon issue of this Policy or after
the issue of this Policy.

“Expiry Date” refers to the expiry date of Riders referred to in clause 2(a) as set out in the Schedule of
Supplementary Benefits.

2. PREMIUM TERM OF RIDER

Notwithstanding the premium clause and termination clause in the Riders:

(a) the premiums payable for all the Riders are payable until the Expiry Date of the Riders or until the end of the
premium term of the Riders, whichever is applicable; and

(b) the Riders will not terminate even if the premiums payable for this Policy ceases on this Policy becoming a fully
paid-up assurance, but will terminate on the Expiry Date or at the end of premium term of the Riders, whichever
is applicable.

--------------------------------------------------------------------- End of page ---------------------------------------------------

47
_________________________________________________________________________________________________
49
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(9) Endorsement for Rider Conversion

Endorsement No. 154 (FCLHBR)

GREAT EASTERN LIFE

ENDORSEMENT NO. 154 (FCLHBR)

1. The policy within (“this Policy”) is issued in exchange for the rider (“the converted Rider”) attached to
Policy No. __________ (“Original Policy”) which began on ____________. If this Policy is any of the policies listed in
the table below, then the converted Rider is in the corresponding box in the 2nd column of the table below:

Policy Rider
Lifetime Hospital Benefit Policy Lifetime Hospital Benefit Rider
Long Term GoldenCare Policy Long Term GoldenCare Spouse Rider
MortgageCare (Living Assurance) MortgageCare (Living Assurance) Rider II
Policy II
CreditCare (Living Assurance) Policy II CreditCare (Living Assurance) Rider II
Essential Living Term Assurance Essential Living Term Assurance Rider
Early-Payout CriticalCare Plus Early-Payout CriticalCare Plus Rider
Critical Care Advantage Critical Care Advantage Rider

2. All the statements made by the Policyholder or the Life Assured in:
(a) the proposal; or
(b) other documents relating to the converted Rider added to the Schedule of Supplementary Benefits or any
reinstatement of the converted Rider, will still be effective, in addition to any proposal or other document
(if any) relating to this Policy.

3. It is agreed that this clause 3 in this Endorsement will amend the converted Rider with effect from the Date of
Commencement (“Commencement Date”) stated in the Schedule of this Policy in the following manner:
No further claims of any kind whatsoever will be allowed under the converted Rider from the Commencement
Date.
All other terms and conditions will remain unchanged.

--------------------------------------------------------------------- End of page ---------------------------------------------------

48
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(10) Supreme Protect Plus 20

GREAT EASTERN LIFE

SUPREME PROTECT
SUPREME PROTECT PLUS 20

1. DEFINITIONS
“Condition” refers to either Critical Illness or Advanced Stage Critical Illness.
“Critical Illness” means any of the critical illnesses specified and defined in clause 4 below.
“Advanced Stage Critical Illness” means any of the advanced stage critical illnesses specified and defined in clause
5 below.
“Medical Practitioner” means a surgeon or physician qualified by degree in Western Medicine, who is legally and duly
qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy” means the policy to which this Rider is attached.
“Pre-existing Advanced Stage Critical Illness” means an Advanced Stage Critical Illness for which prior to the
commencement of this insurance or date of any reinstatement of the Policy and this Rider:
(a) symptoms of the Advanced Stage Critical Illness existed that would cause an ordinarily prudent person to seek
diagnosis, care or treatment; or
(b) medical advice or treatment was recommended by or received from a Medical Practitioner.
“Pre-existing Critical Illness” means a Critical Illness for which prior to the commencement of this insurance or date
of any reinstatement of the Policy and this Rider:
(a) symptoms of the Critical Illness existed that would cause an ordinarily prudent person to seek diagnosis, care or
treatment; or
(b) medical advice or treatment was recommended by or received from a Medical Practitioner.
“TPD Endorsement” means Endorsement No. 639 (TPD-3), attached to the Policy.

2. PREMIUM
2.1 The premium payable for this Rider is shown in the Schedule of Supplementary Benefits. It is payable at the same
interval and on the same dates as the Basic Life Premium shown in the Schedule. The premium is payable for a
period of 20 years from the Date of Commencement stated in the Schedule.
2.2 This Rider forms part of the Policy and is valid only if the Policy is valid. It will not participate in the profits of the
Company and will not acquire a surrender value.
2.3 Amendment of Premium Rates
2.3.1 The Company may amend the rates of premium at any time provided that the amended
rates apply to all riders of this class of insurance and the Policyholder has been notified
of the amendments at least 45 days before the premium due date at which time the
amended rates will apply.
2.3.2 The amended rates will apply according to the age next birthday of the Life Assured at
the date of commencement of assurance under this Rider.

49 51
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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3. BENEFIT
3.1 Subject to clauses in this Rider:
(a) If the Life Assured is diagnosed with a Critical Illness, the Company will pay the Amount of Benefits for this
Rider stated in the Schedule of Supplementary Benefits (“the Amount of Benefits”), subject to sub-clause 3.3.
However, if the Life Assured is less than 1 year old when the diagnosis of the Critical Illness is made, the
Company will pay a percentage of the Amount of Benefits as shown in the table below, which is equal to the
percentage of the Amount of Benefits paid out under this sub-clause.

Age Next Birthday Benefit

1 20% of the Amount of Benefits
Full cover will be given from age 2 next birthday; or

(b) If the Life Assured is diagnosed with an Advanced Stage Critical Illness, the Company will pay 200% the
Amount of Benefits, subject to sub-clause 3.3. However, if the Life Assured is less than 1 year old when the
diagnosis of the Advanced Stage Critical Illness is made, the Company will pay a percentage of the Amount
of Benefits as shown in the table below, which is equal to the percentage of the Amount of Benefits paid out
under this sub-clause.

Age Next Birthday Benefit

1 40% of the Amount of Benefits
Full cover will be given from age 2 next birthday.
3.2 Only one claim either under sub-clause 3.1(a) or sub-clause 3.1(b) is payable depending on which Condition
occurs first. After a claim is paid, the Policy and any attaching riders will terminate.
3.3 Benefit for Angioplasty & Other Invasive Treatment For Coronary Artery
3.3.1 If the Life Assured undergoes Angioplasty & Other Invasive Treatment For Coronary Artery (“Coronary
Angioplasty”) as defined in clause 4(30) below, the Company will pay 10% of the Amount of Benefits (“the
Angioplasty amount”) which is equal to 10% of the Amount of Benefits paid out under this sub-clause
subject to the following conditions:
(a) The Company will not pay any benefit under this sub-clause 3.3 for any future Coronary Angioplasty
undergone by the Life Assured.
(b) After a claim is paid under this sub-clause 3.3, the Amount of Benefits will be reduced by the
Angioplasty amount (“the reduced Amount of Benefits”) and the Basic Sum Assured stated in the
Schedule will likewise be reduced by the Angioplasty amount (“reduced Basic Sum Assured”). The
Company will determine the new premium payable for the reduced Amount of Benefits and the
reduced Basic Sum Assured.
(c) The Company will only pay the reduced Amount of Benefits for any other Critical Illness subsequently
suffered by the Life Assured.
(d) The total amount of sum assured for the payment of the benefit for Coronary Angioplasty made by
the Company must not be more than $25,000 under this Rider and all policies and riders on the Life
Assured providing for benefits payable for Coronary Angioplasty.
3.3.2 Once the Company has paid benefits for Coronary Angioplasty under the other policies and riders on the
same Life Assured up to the limit of $25,000 stated in sub-clause 3.3.1(d) above, the Company will not
pay the benefit under this Rider for Coronary Angioplasty and the Company will not pay any benefit under
sub-clause 3.3 for any future Coronary Angioplasty undergone by the Life Assured.

50
52
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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4 DEFINITIONS OF CRITICAL ILLNESSES

1. Heart Attack Death of a portion of the heart muscle arising from inadequate blood supply to the
relevant area. This diagnosis must be supported by three or more of the following
five criteria which are consistent with a new heart attack:

SUPREME PROTECT
(a) History of typical chest pain;

(b) New electrocardiogram (ECG) changes proving infarction;

(c) Diagnostic elevation of cardiac enzyme CK-MB;

(d) Diagnostic elevation of Troponin (T or I);

(e) Left ventricular ejection fraction less than 50% measured 3 months or more
after the event.
2. Stroke A cerebrovascular incident including infarction of brain tissue, cerebral and
subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis. This
diagnosis must be supported by all of the following conditions:
(a) Evidence of permanent neurological damage confirmed by a neurologist at
least 6 weeks after the event; and
(b) Findings on Magnetic Resonance Imaging, Computerised Tomography, or
other reliable imaging techniques consistent with the diagnosis of a new
stroke.
The following are excluded:
(a) Transient Ischaemic Attacks;
(b) Brain damage due to an accident or injury, infection, vasculitis, and
inflammatory disease;
(c) Vascular disease affecting the eye or optic nerve; and
(d) Ischaemic disorders of the vestibular system.
3. Coronary Artery By- The actual undergoing of open-chest surgery to correct the narrowing or blockage
pass Surgery of one or more coronary arteries with bypass grafts. This diagnosis must be
supported by angiographic evidence of significant coronary artery obstruction and
the procedure must be considered medically necessary by a consultant
cardiologist.
Angioplasty and all other intra arterial, catheter based techniques, “keyhole” or
laser procedures are excluded.
4. Major Cancers A malignant tumour charaterised by the uncontrolled growth and spread of
malignant cells with invasion and destruction of normal tissue. This diagnosis must
be supported by histological evidence of malignancy and confirmed by an
oncologist or pathologist.
The following are excluded:
(a) Tumours showing the malignant changes of carcinoma-in-situ and tumours
which are histologically described as pre-malignant or non-invasive,
including, but not limited to: Carcinoma-in-Situ of the Breasts, Cervical
Dysplasia CIN-1, CIN-2 and CIN-3;
(b) Hyperkeratoses, basal cell and squamous skin cancers, and melanomas of
less than 1.5mm Breslow thickness, or less than Clark Level 3, unless there
is evidence of metastases;

51 53
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and isof
contract
not to be reproduced,
insurance. Please refer tointhe
whole orDocument
Policy part, for public / external
for the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of thefor whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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(c) Prostrate cancers histologically described as TNM Classification T1a or T1b

or Prostrate cancers of another equivalent or lesser classification, T1N0M0
Papillary micro-carcinoma of the Thyroid less than 1 cm in diameter,
Papillary micro-carcinoma of the Bladder, and Chronic Lymphocytic
Leukaemia less than RAI Stage 3; and
(d) All tumours in the presence of HIV infection.
5. Kidney Failure Chronic irreversible failure of both kidneys requiring either permanent renal dialysis
or kidney transplantation.
6. Fulminant Hepatits A submassive to massive necrosis of the liver by the Hepatitis virus, leading
precipitously to liver failure. This diagnosis must be supported by all of the
following:
(a) rapid decreasing of liver size;
(b) necrosis involving entire lobules, leaving only a collapsed reticular
framework;
(c) rapid deterioration of liver function tests;
(d) deepening jaundice; and
(e) hepatic encephalopathy.
7. Major Organ / Bone The receipt of a transplant of:
Marrow Transplantation
(a) Human bone marrow using haematopoietic stem cells preceded by total
bone marrow ablation; or
(b) One of the following human organs: heart, lung, liver, kidney, pancreas, that
resulted from irreversible end stage failure of the relevant organ.
8. Encephalitis Severe inflammation of brain substance (cerebral hemisphere, brainstem or
cerebellum) caused by viral infection and resulting in permanent neurological
deficit. This diagnosis must be certified by a consultant neurologist and the
permanent neurological deficit must be documented for at least 6 weeks.
Encephalitis caused by HIV infection is excluded.
9. Multiple Sclerosis The definite occurrence of Multiple Sclerosis. The diagnosis must be supported by
all of the following:
(a) Multiple neurological deficits which occurred over a continuous period of at
least 6 months; and
(b) Well documented history of exacerbations and remissions of said symptoms
or neurological deficits.
Other causes of neurological damage such as SLE and HIV are excluded.

10. Primary Pulmonary Primary Pulmonary Hypertension with substantial right ventricular enlargement
Hypertension confirmed by investigations including cardiac catheterisation, resulting in
permanent physical impairment of at least Class IV of the New York Heart
Association (NYHA) Classification of Cardiac Impairment.
The NYHA Classification of Cardiac Impairment (Source: “Current Medical
Diagnosis & Treatment – 39th Edition”):
Class I: No limitation of physical activity. Ordinary physical activity does not
cause undue fatigue, dyspnea, or anginal pain.
Class II: Slight limitation of physical activity. Ordinary physical activity results in
symptoms.

52
54
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
not to be reproduced,
insurance. inthe
Please refer to whole orDocument
Policy part, for public / external
for the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of thefor whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
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Class III: Marked limitation of physical activity. Comfortable at rest, but less than
ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without discomfort.
Symptoms may be present even at rest.

SUPREME PROTECT
11. HIV Due to Blood (1) Infection with the Human Immunodeficiency Virus (HIV) through a blood
Transfusion and transfusion, provided that all the following conditions are met:
Occupationally
(a) The blood transfusion was medically necessary or given as part of a
Acquired HIV
medical treatment;
(b) The blood transfusion was received in Singapore after the Issue Date,
Date of endorsement or Date of reinstatement of this Supplementary
Contract, whichever is the later;
(c) The source of the infection is established to be from the Institution
that provided the blood transfusion and the Institution is able to trace
the origin of the HIV tainted blood; and
(d) The Life Assured does not suffer from Thalassaemia Major or
Haemophilia.
12. Alzheimer’s Disease / Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and
Severe Dementia imaging tests, arising from Alzheimer’s disease or irreversible organic disorders,
resulting in significant reduction in mental and social functioning requiring the
continuous supervision of the Life Assured. This diagnosis must be supported by
the clinical confirmation of an appropriate consultant and supported by the
Company’s appointed doctor.
The following are excluded:
(a) Non-organic diseases such as neurosis and psychiatric illnesses; and

(b) Alcohol related brain damage.

13. Progressive A systemic collagen-vascular disease causing progressive diffuse fibrosis in the
Scleroderma skin, blood vessels and visceral organs. This diagnosis must be unequivocally
supported by biopsy and serological evidence and the disorder must have reached
systemic proportions to involve the heart, lungs or kidneys .
The following are excluded:
(a) Localised scleroderma (linear scleroderma or morphea);

(b) Eosinophilic fascitis; and

(c) CREST syndrome.

14. Coma A coma that persists for at least 96 hours. This diagnosis must be supported by
evidence of all of the following:
(a) No response to external stimuli for at least 96 hours;

(b) Life support measures are necessary to sustain life; and

(c) Brain damage resulting in permanent neurological deficit which must be

assessed at least 30 days after the onset of the coma.
Coma resulting directly from alcohol or drug abuse is excluded.

15. Deafness (Loss of Total and irreversible loss of hearing in both ears as a result of illness or accident.
Hearing) This diagnosis must be supported by audiometric and sound-threshold tests
provided and certified by an Ear, Nose, Throat (ENT) specialist.
Total means “the loss of at least 80 decibels in all frequencies of hearing

53 55
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at time
in whole or part, of
forprint on/ 1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is whatever
strictly forpurposes.
internal circulation
This is not only and isof
a contract
not to be reproduced,
insurance. in the
Please refer to whole or Document
Policy part, for public
for the /precise
external distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of thefor whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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16. Heart Valve Surgery The actual undergoing of open-heart surgery to replace or repair heart valve
abnormalities. The diagnosis of heart valve abnormality must be supported by
cardiac catheterization or echocardiogram and the procedure must be considered
medically necessary by a consultant cardiologist.
17. Loss of Speech Total and irrecoverable loss of the ability to speak as a result of injury or disease to
the vocal cords. The inability to speak must be established for a continuous period
of 12 months. This diagnosis must be supported by medical evidence furnished by
an Ear, Nose, Throat (ENT) specialist.
All psychiatric related causes are excluded.
18. Major Burns Third degree (full thickness of the skin) burns covering at least 20% of the surface
of the Life Assured’s body.
19. Surgery to Aorta The actual undergoing of major surgery to repair or correct an aneurysm,
narrowing, obstruction or dissection of the aorta through surgical opening of the
chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic
and abdominal aorta but not its branches.
Surgery performed using only minimally invasive or intra arterial techniques are
excluded.
20. Apallic Syndrome Universal necrosis of the brain cortex with the brainstem intact. This diagnosis must
be definitely confirmed by a consultant neurologist holding such an appointment at
an approved hospital. This condition has to be medically documented for at least
one month.
21. Muscular Dystrophy A group of hereditary degenerative diseases of muscle 54 haracterized by
weakness and atrophy of muscle. The diagnosis of muscular dystrophy must be
unequivocal and made by a consultant neurologist. The condition must result in the
inability of the Life Assured to perform (whether aided or unaided) at least 3 of the
following 6 “Activities of Daily Living” for a continuous period of at least 6 months:
Activities of Daily Living:
(i) Washing – the ability to wash in the bath or shower (including getting into
and out of the bath or shower) or wash satisfactorily by other means;
(ii) Dressing – the ability to put on, take off, secure and unfasten all garments
and, as appropriate, any braces, artificial limbs or other surgical appliances;
(iii) Transferring – the ability to move from a bed to an upright chair or
wheelchair and vice versa;
(iv) Mobility – the ability to move indoors from room to room on level surfaces;

(v) Toileting – the ability to use the lavatory or otherwise manage bowel and
bladder functions so as to maintain a satisfactory level of personal hygiene;
(vi) Feeding – the ability to feed oneself once food has been prepared and made
available.
22. End Stage Lung End stage lung disease, causing chronic respiratory failure. This diagnosis must be
Disease supported by evidence of all of the following:
(a) FEV1 test results which are consistently less than 1 litre;

(b) Permanent supplementary oxygen therapy for hypoxemia;

(c) Arterial blood gas analyses with partial oxygen pressures of 55mmHg or less
(PaO2 <= 55mmHg); and
(d) Dyspnea at rest.

The diagnosis must be confirmed by a respiratory physician.

54
56
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time of
for print
publicon/ 1 July 2013.
external This information
distribution is confidential
to Policyholders andforis whatever
or prospects strictly for internal This
purposes. circulation
is not aonly and isof
contract
insurance.
not Please refer to
to be reproduced, inthe Policy
whole orDocument for the /precise
part, for public Terms
external & Conditions,
distribution including the exclusions
to Policyholders or prospectsof thefor
insurance
whateverplan.
purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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23. End Stage Liver End stage liver failure as evidenced by all of the following:
Failures
(a) Permanent jaundice;

(b) Ascites; and

SUPREME PROTECT
(c) Hepatic encephalopathy.

Liver disease secondary to alcohol or drug abuse is excluded.

24. Motor Neurone Disease Motor neurone disease characterised by progressive degeneration of corticospinal
tracts and anterior horn cells or bulbar efferent neurones which include spinal
muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and
primary lateral sclerosis. This diagnosis must be confirmed by a neurologist as
progressive and resulting in permanent neurological deficit.
25. Parkinson’s Disease The unequivocal diagnosis of idiopathic Parkinson’s Disease by a consultant
neurologist. This diagnosis must be supported by all the following conditions:
(a) the disease cannot be controlled with medication;

(b) signs of progressive impairment; and

(c) inability of the Life Assured to perform (whether aided or unaided) at least 3
of the following 6 “Activities of Daily Living” for a continuous period of at
least 6 months:
Activities of Daily Living:

(i) Washing – the ability to wash in the bath or shower (including getting into
and out of the bath or shower) or wash satisfactorily by other means;
(ii) Dressing – the ability to put on, take off, secure and unfasten all garments
and, as appropriate, any braces, artificial limbs or other surgical appliances;
(iii) Transferring – the ability to move from a bed to an upright chair or
wheelchair and vice versa;
(iv) Mobility – the ability to move indoors from room to room on level surfaces;

(v) Toileting – the ability to use the lavatory or otherwise manage bowel and
bladder functions so as to maintain a satisfactory level of personal hygiene;
(vi) Feeding – the ability to feed oneself once food has been prepared and made
available.
Drug-induced or toxic causes of Parkinsonism are excluded.

26. Aplastic Anaemia Chronic persistent bone marrow failure which results in anaemia, neutropenia and
thrombocytopenia requiring treatment with at least one of the following:
(a) Blood product transfusion;

(b) Marrow stimulating agents;

(c) Immunosuppressive agents; or

(d) Bone marrow transplantation.

The diagnosis must be confirmed by a haematologist.

55
57
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at time
in whole or part, of
forprint on/ 1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is whatever
strictly forpurposes.
internal circulation only
This is not a and isof
contract
insurance.
not Please refer to
to be reproduced, in the Policy
whole or Document for the /precise
part, for public Terms
external & Conditions,
distribution including the exclusions
to Policyholders or prospectsof thefor
insurance
whateverplan.
purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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27. Benign Brain Tumour A benign tumour in the brain where all of the following conditions are met:
(a) It is life threatening;

(b) It has caused damage to the brain;

(c) It has undergone surgical removal or, if inoperable, has caused a permanent
neurological deficit; and
(d) Its presence must be confirmed by a neurologist or neurosurgeon and
supported by findings on Magnetic Resonance Imaging, Computerised
Tomography, or other reliable imaging techniques.
The following are excluded:

(a) Cysts;

(b) Granulomas;

(c) Vascular Malformations;

(d) Haematomas; and

(e) Tumours of the pituitary gland or spinal cord.

28. Major Head Trauma Accidental head injury resulting in permanent neurological deficit to be assessed
no sooner than 6 weeks from the date of the accident. This diagnosis must be
confirmed by a consultant neurologist and supported by unequivocal findings on
Magnetic Resonance Imaging, Computerised Tomography, or other reliable
imaging techniques. The accident must be caused solely and directly by accidental,
violent, external and visible means and independently of all other causes.
The following are excluded:
(a) Spinal cord injury; and

(b) Head injury due to any other causes.

29. Bacterial Meningitis Bacterial infection resulting in severe inflammation of the membranes of the brain
or spinal cord resulting in significant, irreversible and permanent neurological
deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis
must be confirmed by:
(a) The presence of bacterial infection in cerebrospinal fluid by lumbar puncture;
and
(b) A consultant neurologist.

Bacterial Meningitis in the presence of HIV infection is excluded.

30. Angioplasty & Other The Limited Advance Payment benefit equal to 10% of the Lump Sum Advance
Invasive Treatment For Payment subject to a $25,000 maximum shall be paid if the Life Assured actually
Coronary Artery undergoes balloon angioplasty or similar intra arterial catheter procedure to correct
a narrowing of minimum 60% stenosis, of one or more major coronary arteries as
shown by angiographic evidence. The revascularisation must be considered
medically necessary by a consultant cardiologist.
Coronary arteries herein refer to left main stem, left anterior descending, circumflex
and right coronary artery.

57
58
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ external
1 July 2013. This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and isof
contract
not to be reproduced,
insurance. inthe
Please refer to whole orDocument
Policy part, for public / external
for the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of thefor whatever
insurance purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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5. DEFINITIONS OF ADVANCED STAGE CRITICAL ILLNESSES

1. “Advanced Stage A malignant tumour positively diagnosed with histological confirmation and
Cancer” : characterised by the uncontrolled growth of malignant cells and invasion of tissue.
The term malignant tumour includes leukaemia, lymphoma and sarcoma.

SUPREME PROTECT
This benefit will pay for Stage III and above malignant tumours.
Benefit will also be payable if the diagnosis as having leukaemia, lymphoma, or
brain tumour is as follows:
Leukaemia’s and Lymphoma
1. Acute Myeloid Leukaemia
2. Chronic Lymphocytic Leukaemia, stage III or IV on the
Rai classification
3. Chronic Myeloid Leukaemia (requiring bone marrow
transplant)
4. Acute Lymphocytic Leukaemia (adults)
5. Hodgkin’s/Non Hodgkin’s lymphoma Stage IV on Ann
Arbor classification system
6. Multiple Myeloma Stage III on the Durie- Salmon Scale.

Brain Tumour
Malignant Brain tumour that has spread into the
Brain Tumour Cerebrospinal fluid or into another organ(s)

(a) The diagnosis of malignancy must be confirmed by histological evidence.

(b) All tumours in the presence of HIV infection are excluded.
2. “Heart Attack with Death of a portion of the heart muscle arising from inadequate blood supply to
severe permanent the relevant area. This diagnosis must be supported by Left ventricular ejection
impairment in fraction less than 30% measured 3 months or more after the event and any 2 or
function”: more of the following criteria which are consistent with a new heart attack:
(a) History of typical chest pain;
(b) New electrocardiogram (ECG) changes proving infarction;
(c) Diagnostic elevation of cardiac enzyme CK-MB;
(d) Diagnostic elevation of Troponin (T or I);

57
_________________________________________________________________________________________________
59
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced,accurate
in whole at
ortime
part,of
forprint on /1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is strictly
whateverforpurposes.
internal circulation
This is not only and is of
a contract
insurance.
not Please referin
to be reproduced, to whole
the Policy Document
or part, for the/ precise
for public externalTerms & Conditions,
distribution including the exclusions
to Policyholders or prospectsof the
forinsurance
whateverplan.
purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME
SUPREMEPROTECT
PROTECT&&SUPREME
SUPREMEPROTECT
PROTECTPLUS
PLUS(SERIES
(SERIES2)2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3. “Stroke with severe A cerebrovascular incident including infarction of brain tissue, cerebral and
impairment”: subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis. This
diagnosis must be supported by all of the following conditions:
(a) Evidence of permanent neurological damage resulting in inability to perform at
least 3 of the 6 activities of ADL confirmed by the neurologists after the 90
days of the event
(b) Findings on Magnetic Resonance Imaging, Computerised Tomography, or
other reliable imaging techniques consistent with the diagnosis of a new
stroke.
The following are excluded:
(a) Transient Ischaemic Attacks;
(b) Brain damage due to an accident or injury, infection, vasculitis, and
inflammatory disease;
(c) Vascular disease affecting the eye or optic nerve; and
(d) Ischaemic disorders of the vestibular system.
Activities of Daily Living:
(i) Washing - the ability to wash in the bath or shower (including getting into and
out of the bath or shower) or wash satisfactorily by other means;
(ii) Dressing - the ability to put on, take off, secure and unfasten all garments and,
as appropriate, any braces, artificial limbs or other surgical appliances;
(iii) Transferring - the ability to move from a bed to an upright chair or wheelchair
and vice versa;
(iv) Mobility - the ability to move indoors from room to room on level surfaces;
(v) Toileting - the ability to use the lavatory or otherwise manage bowel and
bladder functions so as to maintain a satisfactory level of personal hygiene;
(vi) Feeding - the ability to feed oneself once food has been prepared and made
available.
4. “Coronary Artery By- The actual undergoing of open-chest surgery to correct the narrowing or blockage
pass Surgery” : of three or more coronary arteries with bypass grafts. This diagnosis must be
supported by angiographic evidence of significant coronary artery obstruction and
the procedure must be considered medically necessary by a consultant
cardiologist.
Angioplasty and all other intra arterial, catheter based techniques, ‘keyhole’ or
laser procedures are excluded.
5. “Extensive Burns” : Third degree (full thickness of the skin) burns covering greater than 20% of the
surface of the Life Assured’s body.

58
60_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced,accurate
in whole at
ortime
part,of
forprint on /1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is strictly
whatever forpurposes.
internal circulation
This is not only and is of
a contract
insurance.
not Please refer in
to be reproduced, to whole
the Policy Document
or part, for the/ precise
for public externalTerms & Conditions,
distribution including the exclusions
to Policyholders or prospectsof the
forinsurance
whateverplan.
purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
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6. EXCEPTIONS
The Company will not pay any benefits:
(a) if there was a Pre-existing Critical Illness or Pre-existing Advanced Stage Critical Illness which is the same Critical

SUPREME PROTECT
Illness or Advanced Stage Critical Illness respectively which is the subject of a claim under this Rider. For the
avoidance of doubt, the Company will not provide the benefits if there was a Pre-Existing Critical Illness which is
then subsequently diagnosed as an Advanced Stage Critical Illness that is the subject of a claim under this Rider;
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other Invasive Treatment For
Coronary Artery if the diagnosis of the Heart Attack, Major Cancers, coronary artery disease requiring Coronary
Artery By-pass Surgery or Angioplasty & Other Invasive Treatment For Coronary Artery was made within 90 days
from:
(i) the date of issue of the Policy or this Rider; or
(ii) the date of reinstatement of the Policy and this Rider,
whichever is the later date(hereinafter known as the “Exception Period”);
(c) for the avoidance of doubt, if the Life Assured is diagnosed with Heart Attack, Major Cancers or coronary artery
disease requiring Coronary Artery By-Pass Surgery during the Exception Period which is then subsequently
diagnosed as Heart Attack With Severe Permanent Impairment In Function, Advanced Stage Cancer or coronary
artery disease requiring Coronary Artery By-Pass Surgery after the Exception Period, the Company will not pay
the Advanced Stage Critical Illness Benefit; or
(d) for any Critical Illness or Advanced Stage Critical Illness which resulted either directly or indirectly from self-
inflicted injuries of the Life Assured.

7. CONDITIONS
7.1 The Policyholder must notify the Company of any claim in writing as soon as it is practicable.
7.2 The Critical Illness or Advanced Stage Critical Illness must be diagnosed by a registered Medical Practitioner and
must be supported by clinical, radiological, histological and laboratory evidence acceptable to the Company.
7.3 All medical reports or any other evidence required by the Company for any claim must be furnished at the
Policyholder’s expense.
7.4 If required by the Company, the Life Assured must undergo medical examination by the Medical Practitioner
appointed by the Company.
7.5 When a claim has been admitted, and the Amount of Benefits is equal to the Basic Sum Assured stated in the
Schedule:
(a) all supplementary contracts and Riders will be terminated; and
(b) all other Rights, Options, Values and Benefits under the Policy, including benefits payable on death or
survival of the Life Assured, or under the TPD Endorsement (if any) will not be valid,
from the date of diagnosis of the Critical Illness or Advanced Stage Critical Illness. However the termination will
not affect any claim which arises before the date of diagnosis of the Critical Illness or Advanced Stage Critical
Illness.
7.6 The Company will not be liable if there is a failure to comply with any of the above conditions.
7.7 The Company will not pay more than $1,000,000 of the total amount of sums assured under this Rider and all
policies and riders issued by the Company on the same Life Assured which provide similar benefits payable for
medical conditions similar to Critical Illness.
7.8 The Company will not pay more than $2,000,000 of the total amount of sums assured under this Rider and all
policies and riders issued by the Company on the same Life Assured which provide similar benefits payable for
medical conditions similar to Advanced Stage Critical Illness.

59
_________________________________________________________________________________________________
61
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timeforofpublic
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for is strictly for
whatever internalThis
purposes. circulation
is not a only and of
contract is
insurance.
not to be Please refer to in
reproduced, thewhole
PolicyorDocument
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

8. TERMINATION
8.1 This Rider and the Policy will terminate when the Company receives the Policyholder’s written request for
termination of this Rider.
8.2 This Rider will automatically terminate if:
(a) the Policy lapses, is surrendered or converted into a paid-up assurance or an extended term assurance, or is
otherwise terminated; or
(b) a claim under clause 3 above is admitted (save for a claim for Angioplasty & Other Invasive Treatment For
Coronary Artery under sub-clause 3.3).
---------------------------------------------------------------- End of page --------------------------------------------------------

60
62
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information inaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT
SUPREME PROTECT &
& SUPREME
SUPREME PROTECT
PROTECT PLUS
PLUS (SERIES
(SERIES 2)
2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART IV: FREQUENTLY ASKED QUESTIONS

A. PRODUCT FEATURES

SUPREME PROTECT
1. How is Supreme Protect (Series 2) different from FlexiLife (Series 3) in terms of benefits and
features?

Supreme Protect (Series 2) FlexiLife (Series 3)

Benefits payable: ü Death ü Death
ü Total & Permanent Disability ü Total & Permanent Disability
(TPD) (TPD)
(a) Occupational TPD (a) Occupational TPD
coverage until age 65 coverage until age 65
(b) Presumptive TPD (b) Presumptive TPD
coverage for whole of life coverage for whole of life
ü Terminal Illness ü Terminal Illness
ü Living Benefit ü Living Benefit
- a compulsory rider - an optional rider
(a) 30 Critical Illnesses
(b) 5 Advanced Stage
Critical Illnesses
ü Guaranteed Insurability
Benefit (GIB)
Suitable for customer ü Seeking a bundled whole life ü Seeking a Whole life plan
who: and CI plan with with options and flexibility to
differentiation like Advanced attach CI riders and other
Stage Critical Illnesses and protection riders (e.g.
having Guaranteed Personal Accident, Disability
Insurability Benefit upon Income, Early CI) for a
different milestone events. . customized insurance
coverage.

61
_________________________________________________________________________________________________ 63
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandfor iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

2. How is Supreme Protect Plus (Series 2) different from Critical Illness Protector (Series 3) as Critical
Illness (CI) riders?
Supreme Protect Plus Critical Illness Protector
(Series 2) (Series 3)
Rider Attachment ü Accelerated CI rider that can ü Accelerated CI rider that can
Rules only be attached to Supreme only be attached to FlexiLife
Protect (Series 2) (Series 3)
ü It is a compulsory rider ü It is a optional rider
Sum Assured (SA) ü Min cover: $20,000 ü Min cover: $10,000
ü Must be the same of the main ü Can choose SA to be
plan equivalent to the SA of the
main plan or lesser.
- However, if the rider’s SA is
lesser, the difference must be
at least a min of $20,000.

Payment Terms ü Follow that of the main plan ü Payment term of the CIP must
be equal or longer than that of
the main plan, provided the
max age of entry of the rider
has not been exceeded.

Living Benefits ü Covers the 30 Standard CIs ü Covers the 30 Standard CIs
ü Covers additional 5
Advanced Stage CIs
- Payout is 200% of SA
(Rider Sum Assured +
Attaching Bonus + Additional
100% of rider Sum Assured)
List of Advanced • Advanced Stage Cancer NA
Stage CIs
• Heart Attack with severe
(For reference)
permanent impairment in
function
• Stroke with severe
impairment
• Coronary Artery By-pass
Surgery
• Extensive Burns

3. Understand that under the diagnosis of Advanced Stage CI in Supreme Protect Plus 200% SA will be
payable. Is the 200% SA paid out with attaching bonuses?
The 200% SA payout under the diagnosis of one of the 5 Advanced Stage Critical Illnesses refers to:

CI Payout = (100% SA + Attaching Bonus) + 100% SA

Please note that the additional 100% SA payout does not attract any bonus.
In the event where 2 claims are submitted on both Standard Critical Illness and Advanced
Stage Critical Illness, the highest payment will be made for any one of the individual claims.

62
64
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4. If my client buys a Supreme Protect policy with a sum assured of $1,000,000 (assuming no other
critical illness coverage issued within the Company), is the amount claimable in the event of
Advanced Stage CI also capped at $1,000,000?
No, upon successful claim in the event of Advanced Stage CI, the amount payable will be:

SUPREME PROTECT
CI Payout = (100% SA + Attaching Bonus) + 100% SA
= ($1,000,000 + Attaching Bonus) + $1,000,000

5. What are the corresponding Supreme Protect plans for the respective compulsory Supreme Protect
Plus riders?
The matrix of attachment is as follows:
Rider Attach to:
Supreme Protect Plus 20 (Series 2) Supreme Protect 20 (Series 2)
Supreme Protect Plus (Series 2) Supreme Protect (Series 2)

6. What will happen to the riders and other benefits, in the event where the policy is converted to a
Reduced Paid Up or an Extended Term Assurance policy?
Upon conversion to Reduced Paid Up or Extended Term Assurance policy:

1. The converted policy will cease to participate in the profits of the company.
2. All riders attached to the policy will be cancelled, including Supreme Protect Plus.
3. Other benefits such as Total & Permanent Disability benefit, Terminal Illness benefit and
Guaranteed Insurability Benefit will also be terminated.

7. What are the plans that can be bought under Guaranteed Insurability Benefit (GIB)?
The list of basic plans and accelerated critical illness riders available for exercising of the
GIB are as shown below.

Note: This list may change subject to availability of the plan, which the Company makes available from time
to time at the Company’s discretion.

(A) Basic Plans

Whole Life Plans Endowment Plans
Supreme Protect 20 (Series 2) Prime Rewards (5+10) (Series 2)
Supreme Protect (Series 2) Prime Rewards (3+17) (Series 2)
FlexiLife 20 (Series 3) Prime Rewards (5+15) (Series 2)
FlexiLife (Series 3) Annual Cashback Endowment 18 (Series 2)
Family3 (10Year-Pay) – Series 3 Annual Cashback Endowment 25 (Series 2)
Family3 (15Year-Pay) – Series 3 Flexi Endowment 5
Flexi Endowment 10
Flexi Endowment

(B) Accelerated Critical Illness Riders

Supreme Protect Plus 20 (Series 2)
Supreme Protect Plus (Series 2)
Critical Illness Protector 20 (Series 3)
Critical Illness Protector (Series 3)

63 65
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT &
SUPREME PROTECT & SUPREME PROTECT PLUS
SUPREME PROTECT PLUS (SERIES
(SERIES 2)
2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

8. What is the impact on exercising Guaranteed Insurability Benefit (GIB) if the Life Assured is a
substandard life at the date of issue or the date of reinstatement of the original policy, whichever is
later?
(a) Death/TPD/TI Benefit
The Policyholder is entitled to exercise the GIB Option if the Life Assured is a standard life or a
substandard life as determined by the Company with up to 100% extra mortality loading at the date
of issue or the date of reinstatement of the original policy, whichever is later.

(b) Critical Illness Benefit

The Policyholder is entitled to exercise the GIB Option only if the Life Assured is a standard life as
determined by the Company at the date of issue or the date of reinstatement of the original policy,
whichever is later.

For both (a) and (b) above, the same loading will be applied to the policy/rider purchased by
exercising GIB.

GIB Eligibility GIB

Mortality/ Health for Death/ Eligibility
Scenario Original Policy
Loading TPD/ TI for CI
Benefit Benefit
Supreme Protect Loading
100%
A Any % of loading Yes No
Supreme Protect Plus
applied
Supreme Protect Loading
100%
B Yes Yes
Supreme Protect Plus No loading
Supreme Protect No loading
C Any % of loading Yes No
Supreme Protect Plus
applied
Supreme Protect No loading
D Yes Yes
Supreme Protect Plus No loading
Supreme Protect Loading > 100%
E No Yes
Supreme Protect Plus No loading
Supreme Protect Loading > 100%
F No No
Supreme Protect Plus Any % of loading
The above table is applicable to both Supreme Protect and Supreme Protect (Series 2)

9. If the original Supreme Protect policy is issued with exclusions on Death, TPD or TI
benefit, will the GIB option be available to purchase a new policy that provides
these benefits?
Yes, a new policy which provides Death/ TPD/ TI can be purchased by exercising GIB. The same exclusions
will be applied to the GIB policy.

64
66
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT
SUPREME PROTECT &
& SUPREME
SUPREME PROTECT
PROTECT PLUS
PLUS (SERIES
(SERIES 2)
2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

10. How many policies can be purchased for each occurrence of a milestone event under the
Guaranteed Insurability Benefit (GIB)?
Each occurrence of a milestone event on the life of the Life Assured entitles the Policyholder to exercise GIB
once, to purchase any of the following, subject to the maximum sum assured per life per event.

SUPREME PROTECT
 One Whole Life or Endowment plan with attaching accelerated Critical Illness rider;
 One Whole Life or Endowment plan alone; or
#
 One accelerated CI rider
#
Inclusion of accelerated CI rider to existing policy under GIB is subject to eligibility following the rider
attachment rules and subject to prevailing procedures for rider inclusion.

We will illustrate the above with an example as follows.

Example:
The client purchased Policy A:
Supreme Protect 20 (Original Policy) with $500,000 SA + corresponding compulsory Supreme Protect Plus
20 rider with $500,000 SA.
st
1 milestone event:
The Policyholder’s GIB option allows him to purchase:
i. New policy with Death/ TPD/TI Coverage up to $200,000 SA; and/ or
ii. New rider with CI Coverage up to $100,000 SA

The Policyholder’s purchase:

Policy B: FlexiLife 20 (Series 3) with $200,000 SA; Plus
Critical Illness Protect 20 (Series 3) with $50,000 SA.
nd
2 milestone event:
The Policyholder’s GIB option allows him to purchase
i. New policy with Death/ TPD/TI Coverage up to $200,000 SA; and/ or
ii. New rider with CI Coverage up to $100,000 SA

The Policyholder ‘s purchase:

Policy C: Supreme Protect (Series 2) with $100,000 SA; Plus
Supreme Protect Plus (Series 2) with $100,000 SA.

11. My client has two Supreme Protect plans. How many times can he/she exercise GIB?
GIB can be exercised up to 2 times per life upon attainment of the life assured’s milestone events,
regardless of the number of Supreme Protect policies purchased.

12. Who can exercise the GIB option?

Only the party with legal rights to the original policy can exercise the GIB option upon a milestone event on
the Life Assured.
(i.e. only the Policyholder of the original policy can exercise the GIB option and be the proposer of the new
policy purchased under GIB.)
rd
For 3 party policy, only the Policyholder of the original policy can exercise the GIB option on the life of the
original policy’s Life Assured. The Life Assured cannot exercise the option unless the ownership of the
Original Policy has been transferred to the Life Assured (via vesting or assignment) at the point of exercising
GIB.

66
_________________________________________________________________________________________________
67
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

13. Can GIB be exercised more than one time for the same milestone event but occurred on 2 different
dates (Eg. When the insured re-marries or gives birth to another child)?
We will explain by illustrating with the following scenarios:
Scenario A:
2 GIB cases submitted under the same milestone event with the same event date
1. Proposer/ Life Assured: Mr. Lee
Event: Attain the Age of 21
Event Event Date Decision
Attain the Age of 21 4 Jul 2013 1st exercise of GIB  Accept
2nd exercise of GIB for the same event that
Attain the Age of 21 4 Jul 2013 occurs on the same date  Reject
(Attainment of age 21 only occurs once)

2. Proposer/ Life Assured: Mr. Tan

Event: Birth of Twins
Event Event Date Decision
1st exercise of GIB for birth of twins
Birth of a child (Twin A) 5 Jan 2014
 Accept
2nd exercise of GIB for birth of twins
 Reject
Birth of a child (Twin B) 5 Jan 2014
(1 GIB case per 1 milestone with the same
event date)

Scenario B:
2 GIB cases submitted under the same milestone event but with different event dates.
Proposer/ Life Assured: Ms. Chua
st
Event 1: Birth of the 1 child
nd
Event 2: Birth of the 2 child
Event Event Date Decision
Birth of a child (1st child) 4 Feb 2014 1st exercise of GIB  Accept
Birth of a child (2nd child) 27 Jun 2015 2nd exercise of GIB  Accept

Scenario C:
2 GIB cases submitted under 2 different milestone events, but with the same event date.
Proposer/ Life Assured: Ms. Low
Event 1: Attain the Age of 21
Event 2: Legal Marriage
Event Event Date Decision
Attain age 21 15 Apr 2014 1st exercise of GIB  Accept
Legal Marriage 15 Apr 2014 2nd exercise of GIB  Accept

Scenario D:
2 GIB cases submitted under different milestone events with different event dates.
Proposer/ Life Assured: Mr Ng
Event 1: Attain the Age of 21
Event 2: Legal Marriage
Event Event Date Decision
Attain age 21 7 Sep 2013 1st exercise of GIB  Accept
Legal Marriage 25 Dec 2013 2nd exercise of GIB  Accept

66
68
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

rd
14. In a 3 party policy scenario: The Proposer is the parent with the child as the Life Assured. When
the child turns age 21 and the parent wants to exercise GIB to buy a new policy, who is the Proposer
and Life Assured of the new GIB policy?
rd
For 3 party policies in GEL, the parent (the Policyholder), can choose not to vest the right of the policy to

SUPREME PROTECT
the child even when the child has turned age 18 (legal age).

In above-mentioned situation:
(1) The Policyholder, the parent, will have to complete and sign the GIB form to allow the child to
exercise the GIB option.
(2) The Child, who has turned legal age, will apply the new GIB policy as Proposer and Life Assured.

Example:
Mr. Tan purchases Supreme Protect (the Original Policy) on the life of his son, Daniel.
Original Policy
Policyholder: Mr. Tan
Life Assured: Daniel

GIB Milestone Event: Life Assured attains the Age of 21

Assuming that the Original Policy was not vested, Mr. Tan is still the Policyholder of the Original Policy upon
occurrence of the above milestone event.

Mr. Tan will sign the GIB form to give Daniel permission to exercise GIB. Daniel purchases Flexi Endowment
(the GIB Policy). The GIB Policy will then be issued with Daniel being the Proposer/Policyholder and Life
Assured.

15. In the event where there is a claim on Encephalitis, Progressive Scleroderma, or Apallic Syndrome,
and the basic plan has terminated, what will happen to the following attached Living Assurance
riders (just to name a few):
a. CreditCare(Living Assurance) Rider II
b. MortgageCare (Living Assurance) Rider II
c. Essential Living Term Assurance Rider
d. Early-Payout CriticalCare Plus Rider
e. Critical Care Advantage Rider?
A letter will be sent to the Policyholder by Claims Department, offering the option to convert the rider(s), if
attached, to standalone plan(s), within 90 days from the date of the letter.

67
_________________________________________________________________________________________________
69
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

16. How is the Policyholder informed of the option to convert the attached rider(s) to standalone
plan(s)?
The Policyholder will be informed via a letter from Claims Department. This is what you would be expecting:

Claim Process:
Successful claim admission of Encephalitis, Progressive Scleroderma or Apallic Syndrome under
the Supreme Protect policy.

Claims verifies that at least one of the convertible Living Assurance riders are attached to the
Supreme Protect policy

Claims Department sends a letter to the Policyholder, offering him/her the option to convert the
attaching rider(s) to standalone plan(s). The offered option must be signed and received by the
Company within 90 days from the date of the letter.

If Policyholder agrees to take up the option, ALL attaching convertible rider(s) will be converted to
standalone plan(s).
Otherwise, the rider(s) will be terminated.

68
70
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

B. NEW BUSINESS UNDERWRITING, POLICY SERVICES & CLAIMS

1. Is backdating allowed for Supreme Protect (Series 2)?

Yes, backdating is allowed. The existing backdating conditions apply but the policy cannot be backdated

SUPREME PROTECT
prior to 1 July 2013, i.e. the date on which the product is launched.

2. Can riders be attached to the policy during the policy period?

Yes, riders can be attached to the policy as long as the policy is in force, subject to prevailing guidelines,
attachment eligibility and underwriting approval. The documents for inclusion of rider onto existing policy will
include, but not limited to:
1. Declaration of Health Form (CS108)
2. Benefit Illustration
3. Product Summary
4. Financial Life Plan
5. Additional Supplementary Form as required, depending on the rider to to be attached.
Please note that medical underwriting may be required.

3. My client cannot be covered for critical illness due to medical conditions. However, she is keen to
purchase a whole life plan for death coverage. What other plans can I offer to my client?
Your client can consider FlexiLife (Series 3). However, acceptance is subject to underwriting.

4. My client would like to purchase Supreme Protect (Series 2) with a sum assured of $1 million. Would
he still be able to claim $2 million upon diagnosis of Advanced Stage CI?
Yes, your client would be able to claim so long as the diagnosis meets the definition of Advanced Stage CI.
The per life limit cap of $1,000,000 for critical illness is determined based on the Standard CI coverage only.
Advanced Stage CI facilitates an additional 100% of the rider sum assured.

In summary, if your client’s CI claim for the Advanced Stage CI has been admitted, he should receive payout
of:
($1,000,000 + Attaching Bonus) + $1,000,000

5. Is Supreme Protect Plus (Series 2) underwritten based on 200% of the rider sum assured since it will
facilitate benefit payable up to 200% of the rider sum assured under Advanced Stage CI?
No, the additional 100% of the rider sum assured payable under the Advanced Stage CI is not aggregated
into the underwriting of Supreme Protect (Series 2). It is underwritten purely based on the rider sum
assured.

6. Can I choose to terminate or reduce the sum assured of Supreme Protect Plus (Series 2) after the
policy turns in force?
As mentioned, Supreme Protect Plus (Series 2) is a compulsory rider. Therefore, it cannot be removed from
the basic policy.

Do take note that the sum assured of Supreme Protect Plus (Series 2) cannot be reduced on its own unless
the basic sum assured is reduced. When the basic sum assured is reduced, the sum assured of Supreme
Protect Plus (Series 2) will also be reduced accordingly. The above applies to the withdrawn of Supreme
Protect series of plans too.

7. How serious must the medical condition be in order to claim under Advanced Stage CI?
Please refer to the definitions in the sample policy contract for details.
One example would be Advanced Stage Cancer.
In the definition: “This benefit will pay for Stage III and above malignant tumours”.

69
_________________________________________________________________________________________________
71
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

8. In the event where Life Assured makes a claim on Supreme Protect Plus (Series 2), what happens to
the basic policy?
The entire policy terminates upon successful claim on Supreme Protect Plus for Standard CI or Advanced
Stage CI benefit, whichever occurs first.

Note: For Angioplasty & Other Invasive Treatment for Coronary Artery, only 10% of the sum assured of the
rider, up to a total amount of $25,000 per life, will be payable. After this claim, only the balance of the
Living Benefit will be in force with reduced premium. For Standard CI, the balance of sum assured
remaining will be 90% of the sum assured, while for Advanced Stage CI, the balance remaining will be
180% of the sum assured.

9. What documents are required to purchase a new policy under GIB?

To exercise the GIB, the following documents are required to be submitted to New Business Underwriting:
1) Declaration form for Guaranteed Insurability Benefit (NB 140V012)
2) Proof of occurrence of milestone event (Marriage Certificate, Birth Certificate, Legal
Adoption paper, where applicable)
3) Proposal Pack comprising of:
i) Proposal Form
ii) Financial Life Plan (FLP)
iii) Benefit Illustration and Product Summary (BIPS)
iv) Life Planner Confidential Report

Items 1) and 3) can be submitted via E-MAS. Item 2) is a hard copy submission.
rd
Note: In a 3 Party scenario where the Policyholder is a parent with the child as the Life Assured, and the
parent wants to exercise GIB to purchase a new policy after the child has reached legal age, hard
copy submission is required for Item 1) Declaration form for Guaranteed Insurability Benefit. (Please
refer to FAQs under Product Features for details.)

10. What documents are required to attach an accelerated Critical Illness rider to an existing policy that
was purchased by exercising the GIB?
The following documents are required to be submitted to Customer Service:
1) Declaration form for Guaranteed Insurability Benefit (CS 134)
2) Proof of occurrence of milestone event (Marriage Certificate, Birth Certificate, Legal
Adoption paper, where applicable)
3) Financial Life Plan (FLP)
4) Benefit Illustration and Product Summary (BIPS)

Please note that the inclusion of accelerated Critical Illness rider to an existing policy under GIB is subject to
eligibility following the rider attachment matrix and prevailing procedures for rider inclusion.

11. When purchasing a new policy under GIB, can I also attach other riders that are not eligible under
GIB, such as premium waiver rider?
Yes, you can choose to attach other non-GIB riders to the policy. However, such rider(s) will be subject to
underwriting.

70
72
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

12. The maximum sum assured limit for Death/TPD/TI coverage per event is $200,000 but the limit for CI
coverage is $100,000. What if my client wishes to attach an accelerated CI rider with a sum assured
of more than $100,000 while exercising GIB?

SUPREME PROTECT
For such scenario, there are two options:

1) Submit the proposal as a non-GIB case (i.e, the entire policy will be subject to underwriting).

2) Reduce the sum assured of the rider to the amount that is qualified for GIB ($100,000 or
50% of the original policyʼs sum assured, whichever is lower). The rider will then be
admitted as a GIB case. After the policy has turned in force, the Distribution Representative
can submit the amendment form to Customer Service Department to increase the rider sum
assured. The increase of sum assured will be subject to underwriting.

(However, please note that the revised sum assured will not be reflected in the policy
document as this is treated as an amendment. An endorsement will be sent to advise of the
approved increase in sum assured.)

A new BIPS must be re-submitted to NBU if the decision is either to reduce the sum assured, or to re-submit
as a non-GIB case.

Note: Option 2 will not be available if the policy purchased using GIB is one of the Supreme Protect (Series
2). This is because the sum assured of Supreme Protect Plus (Series 2) is the same as that of
Supreme Protect (Series 2).

13. Can Sum Assured alteration (increase or decrease in sum assured) be effected after the Supreme
Protect (Series 2) policy has turned inforced?
Increase in sum assured is allowed only within the first policy year, and is subject to underwriting. Upon
approval, the difference in premiums from the policy commencement date must be paid. For Increase of
sum assured, the following documents are required:
1) Declaration of Health Form (CS108)
2) Benefit Illustration and Product Summary
3) Financial Life Plan.

Reduction in sum assured is allowed at any time during the policy term, and takes effect from the next
premium due date. For decrease of sum assured, the Application for Change Form (CS112) is required.

14. How will the alteration in Sum Assured of the original Supreme Protect policy affect the sum assured
of the GIB policies?
Once the GIB policy is inforce, it is treated separately from the original Supreme Protect policy. This means
that the increase or decrease in sum assured of original Supreme Protect policy will not affect the maximum
sum assured limit if the GIB policy has already turned in force.

Increase in Sum Assured of Original Supreme Protect Policy

Scenario 1:
Sum Assured of the original Supreme Protect policy increased before the GIB policy is purchased.
The maximum sum assured limit of the GIB policy will be based on the new increased sum assured of the
original Supreme Protect policy.

Example: Original Supreme Protect Sum Assured: $100,000

Increased Supreme Protect Sum Assured: $500,000
Ø GIB limit for Death/TPD/TI will be increased from $50,000 to $200,000
Ø GIB limit for Critical Illness will be increased from $50,000 to $100,000

72
_________________________________________________________________________________________________
73
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Scenario 2:
Sum Assured of the original Supreme Protect policy increased after GIB policy is purchased.
The new policy or policies purchased under GIB will not be affected.
Decrease in Sum Assured of Original Supreme Protect Policy
Scenario 1:
Sum Assured of the original Supreme Protect policy was reduced before GIB policy is purchased.
The maximum sum assured limit of the GIB policy will be based on the new reduced sum assured of the
original Supreme Protect policy.

Example: Original Supreme Protect Sum Assured: $500,000

Reduced Supreme Protect Sum Assured: $100,000
Ø GIB limit for Death/ TPD/TI will be reduced from $200,000 to $50,000
Ø GIB limit for Critical Illness will be reduced from $100,000 to $50,000

Scenario 2:
Sum Assured of the original Supreme Protect policy was reduced after GIB policy is purchased.
The new policy or policies purchased under GIB will not be affected.

15. One of the Terms and Conditions of GIB states that no claims must have been made for Total &
Permanent Disability, Terminal Illness, Critical Illness or Advanced Stage Critical Illness benefits
under all policies and riders issued by the Company on the same Life in order to qualify for GIB. Do
the criteria include hospitalisation or Accident & Health claims?
Only claims related to Total & Permanent Disability (TPD), Terminal Illness (TI), Critical Illness (CI) or
Advanced Stage Critical Illness (Advanced Stage CI) benefits will disqualify GIB.

For example, if the Life Assured submits a hospitalisation claim due to an accident or other reasons that do
not meet the definitions of TPD, TI, CI or Advanced Stage CI benefits covered by policies issued by the
Company, the Policyholder will still be qualified to exercise GIB on the life of the Life Assured.

72
74
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART V: TARGET MARKET & SALES PROPOSITIONS

SECTION A: TARGET MARKET

SUPREME PROTECT
Supreme Protect (Series 2) is a differentiated whole life plan designed to meet clients’ protection needs in terms of
the length and the extensiveness of coverage.
We have identified 3 primary target markets for our Supreme Protect (Series 2) and Supreme Protect Plus (Series 2).

Parents with Young Children (Age 1 to 19)

Supreme Protect (Series 2) is suitable for parents seeking a range of benefits in a whole life protection plan to give
their children a head start in protection. The limited payment options allow parents to complete premium payment
over 20 years while their child enjoys lifetime financial protection. Moreover, the child will be given the guarantee of
being able to increase his or her coverage at life’s important and happy events, without medical underwriting.

Young Working Adults (Age 20 to 29)

As they embark on building their careers, this group of young working adults recognises the need for adequate
whole life and critical illness coverage with responsibilities of supporting themselves and their parents. The Supreme
Protect Series is designed to take care of the protection needs of such individuals, with the option to increase
coverage for Death, TPD, TI and Critical Illness without evidence of insurability. This option is valuable as these
young working adults sail through different life stages and key life events, with commitments and responsibilities
peaking from age late 20s to early 40s. This age group should take advantage of the lower premiums for the same
value of cover and good health by purchasing early.

Working Adults (Age 30 to 40)

With a larger disposable income and the ability to afford for more, this group of working adults may be looking at
increasing their whole life protection and critical illness coverage. They are relatively secured in their careers and
may have more liabilities. To give added peace of mind, the Supreme Protect (Series 2) offers more than just the
basic Death, TPD, TI and Critical Illness coverage that traditional whole life plans provide.

SECTION B: SALES PROPOSITIONS

Supreme Protect (Series 2) is developed because of the changing demographics and lifestyles, and the increasing
life expectations. People are surviving longer, whether in good health or in bad health. Geriatric care and disability
management are becoming common issues which we all need to face.

Supreme Protect (Series 2), with its innovative features, redefines the whole concept of Protection. Supreme
Protect (Series 2) offers:
1. Guaranteed Insurability Benefit (GIB) to increase one’s Death, TPD, TI and Critical Illness cover without
underwriting.
2. Offer Presumptive Total & Permanent Disability (TPD) Benefit for Whole of Life
3. Facilitate a Living Benefit payout of up to 200% Sum Assured in the event of an Advanced Stage Critical
Illness.

With the above-mentioned 3 new features, Supreme Protect (Series 2) is able to offer MORE with:
ü Guaranteed Insurance
ü Longer Coverage
ü Higher Payout
while you live.

73
_________________________________________________________________________________________________
75
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

PART VI: TRAINING & COMPETENCY REQUIREMENTS

Supreme Protect (Series 2) & Supreme Protect Plus (Series 2)

Important Disclosure to Client when making a recommendation:

According to FAA Notice 03, Life Planner is to disclose and explain to the client the product information in a manner
that is clear, adequate and not false or misleading.

Such Information includes: - Refer to full set of information disclosed in the Benefit Illustration & Product Summary
(BIPS)

Client Profile
Clients of age group ranging from 1 ANB to 65 ANB are eligible for this plan.

Risk Profile
Risk profile analysis MUST be conducted.

Commitment by Client (Premium Payment Term)

 Regular premium for a period of 20 years for Supreme Protect 20 & Supreme Protect Plus 20 (Series 2)
 Regular premium up to age 80 ANB for Supreme Protect & Supreme Protect Plus (Series 2)

Policy Term
Whole of Life

Product Investment Risk

Lower to Medium

Benefits of Plan
Supreme Protect (Series 2)
7.0 Death Benefit
7.1 Total and Permanent Disability (TPD) Benefit
o Occupational TPD to age 65 ANB
o Presumptive TPD for whole of life
7.2 Terminal Illness Benefit
7.3 Guaranteed Insurability Benefit
7.4 Projected Bonus
o Reversionary Bonus
o Terminal Bonus

Supreme Protect Plus (Series 2)

7.5 Critical Illness Benefit – compulsory CI rider
o 30 Critical Illnesses
o 5 Advanced Stage Critical Illnesses

74
76
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Limitations of Plan
Supreme Protect (Series 2)
• This plan participates in the performance of the Participating fund in the form of bonuses that are not
guaranteed

SUPREME PROTECT
• Occupational TPD covers up to age 65 ANB only
• Please note that you may only exercise the Guaranteed Insurability Benefit (GIB) option up to a maximum of
2 times per lifetime.

Supreme Protect Plus (Series 2)

• Premium rates are not guaranteed
• The rider does not have any cash value
• For Angioplasty, the basic sum assured equals to 10% of the rider sum assured (up to a maximum of
$25,000 per Life Assured) plus 10% of attaching bonuses (if any) will be payable if the Life Assured
undergoes a treatment.

The benefits and limitations stated in this illustration are not exhaustive. Please refer to the Product Summary and
Contract for full details.

T&C Requirements on Written Recommendation

The T&C Requirements on the written recommendation in the Financial Life Plan (FLP) constitute a Minimum
Standard that includes reinforcing your recommendations with material information on product benefits & limitations
so as to protect your professionalism.

You are required to conduct a thorough fact find to uncover client’s needs, conduct a proper needs analysis &
recommend a suitable plan to meet client’s needs.

Financial Life Plan

Health Fact Find is required

Section B – My Concerns
Client’s Needs to be addressed now
• Cover for protection of family/assets in the event of death; and/or
• Provide for children’s protection needs
AND
• Cover for Critical Illness

Section H – Protection Needs

Complete the Needs Analysis for “Protection Needs”:
• Protection Needs Estimate*
AND
• Health Needs Estimate: Provision for Critical Illness

* Please indicate under Life Planner’s Notes/ Financial Consultant’s Notes that the analysis is meant for Children’s
Protection if client’s concern is “Provide for children’s protection needs”

75
_________________________________________________________________________________________________
77
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Section K – Life Planner’s Recommendation

• Budget
o Budget Amount $
o Source (Cash/ Cheque/ GIRO)
o Frequency (Monthly/ Quarterly/ Semi-Annually/ Annually)

• Client’s Need
o Provision for:
§ Cover for protection of family/assets in the event of death
§ Provide for children’s protection needs
AND
§ Cover for Critical Illness
o Shortfall amount $ (As derived from Analysis)
o Duration :Whole of life

• Plan/s Recommendation
o Full Name of Plan: Supreme Protect 20 (Series 2) and Supreme Protect Plus 20 (Series 2) /
Supreme Protect (Series 2) and Supreme Protect Plus (Series 2)
o Term of Plan: Whole of life
o Sum Assured: $________
o Regular Premium: $________
o Premium Term: 20 years / till ANB 80

Reasons for Recommendation (Sample Only – Please do not copy verbatim)

• I recommend the Supreme Protect 20 (Series 2) & Supreme Protect Plus 20 (Series 2) to meet your need
for protection of family/assets in the event of death, TPD and Critical Illnesses.
• Based on the Benefit Illustration, the sum assured will only be able to meet your needs partially.
• This plan covers for occupational TPD to age 65 ANB and presumptive TPD for whole of life.
• This plan also provides Guaranteed Insurability Benefit, giving the you the right to purchase additional whole
life and/or endowment policy/ rider on the life of the original Life Assured that provides both death and TPD
or Critical Illness coverage without underwriting upon occurrence of the following milestone events: i) Attain
the age of 21;
ii) Legal marriage; iii) Birth of a child; or iv) Legal adoption of a child
• This plan provides 200% Sum Assured for 5 Advanced Stage Critical Illnesses.
• (You may state any additional benefit/feature)

Limitation(s) of Plan (Sample Only – Please do not copy verbatim)

• This plan participates in the performance of the participating fund in the form of bonuses that are not
guaranteed.
• Premium rates are not guaranteed for Supreme Protect Plus rider
• (You may state any additional limitation)

Representative is required to:

• Exercise due diligence in recommending a plan that is suitable for the client that meets his/her needs and
within the budget given.
• Fully disclose the material product benefits and limitations using the Benefit Illustration & Product Summary
(BIPS) to allow client to make an informed decision.
• Ensure that client understands the product features, benefits and limitations.
• Provide a copy of Financial Life Plan (FLP) and Benefit Illustration & Product Summary (BIPS) to the client.
• Provide a copy of Your Guide to Life Insurance and Your Guide to Health Insurance to the client.
• Comply with T&C Requirements on completing the FLP.

76
78
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Note for Immediate Officer

• IO is to exercise due diligence when endorsing the fact find. IO should consider if product is suitable if the
invested amount is a substantial portion of the client’s assets and his regular commitment (Found in Life

SUPREME PROTECT
Planner’s Confidential Report)
• The sale can only be executed upon the immediate officer’s agreement.
• Ensure that Reps are competent; i.e. constantly being coached and trained by IO. Encourage Reps to
attend product launches, workshops and training classes to stay informed and updated.

Regulatory Reference

FAA Notice 16 - Notice on Recommendation on Investment Products

Under S27 of FAA, Representative needs to have a reasonable basis for any recommendation of investment product
to client.

FAA Notice 03 - Important Disclosure to Client when making a recommendation

Representative is to disclose and explain to the client the product information in a manner that is clear, adequate
and not false or misleading.

FAA G11 – Guidelines on Fair Dealing

77 79
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT
(PRODUCTINFORMATION
INFORMATIONPACK)
PACK)

PART VII: COMPETITIVE ANALYSIS

1. Features & Bonus Structure
Supreme Protect &
Supreme Protect &
Supreme Protect Plus
Supreme Protect Plus
(Series 2)
No of 5 premium-payment variations 2 premium-payment variations
Plan Variations available available
available
Premium Premium
Plan Name Payment Plan Name Payment
Term Term
Supreme Protect 10 Supreme Protect
& Supreme Protect 10 years 20 (Series 2) &
Plus 10 Supreme Protect 20 years
Supreme Protect 15 Plus 20 (Series 2)
& Supreme Protect 15 years
The suite of Supreme Plus 15 Supreme Protect
Protect plans Supreme Protect 20 (Series 2) &
& Supreme Protect 20 years Supreme Protect Up to 80 ANB
Plus 20 Plus (Series 2)
Supreme Protect 65
Up to
& Supreme Protect
65 ANB
Plus 65
Supreme Protect &
Up to
Supreme Protect
80 ANB
Plus

Projected Investment PIRR 1 3.75% PIRR 1 3.25%

Rate of Return (PIRR) PIRR 2 5.25% PIRR 2 4.75%

Reversionary Bonus: Duration Bonus per Compounding Duration Bonus per Compounding
(Years) $1,000 SA Rate (Years) $1,000 SA Rate
1 – 20 10 2.0% 1 – 20 7.5 1.5%
20 & 20 &
12 0% 9 0%
above above

Terminal Bonus: Duration

Death/
Duration
Death/
Critical Surrender Critical Surrender
(Years) (Years)
Illness Illness
1–9 0% 0% 1–9 0% 0%
10 30% 0% 10 80% 0%
11 40% 0% 11 90% 0%
12 50% 0% 12 100% 0%
13 60% 30% 13 110% 80%
14 80% 40% 14 130% 90%
15 100% 50% 15 150% 100%
16 120% 60% 16 170% 110%
17 140% 80% 17 190% 130%
18 160% 100% 18 210% 150%
19 180% 120% 19 230% 170%
20 200% 140% 20 250% 190%
21 220% 155% 21 270% 205%
22 215% 155% 22 265% 205%
23 210% 160% 23 260% 210%
24 205% 160% 24 255% 210%
24 & 200% 165% 24 & 250% 215%
above above

78
80_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced,accurate
in whole at
or time
part, of
forprint on/1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is strictly
whatever forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer in
to be reproduced, to whole
the Policy Document
or part, for the/precise
for public externalTerms & Conditions,
distribution including the exclusions
to Policyholders or prospectsof the
forinsurance
whateverplan.
purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

2. Comparison of Supreme Protect versus Supreme Protect (Series 2)

Premium Rates Supreme Protect Supreme Protect (Series 2)

SUPREME PROTECT
Supreme Supreme
Male, Supreme Supreme
ANB ANB Protect 20 Protect
Non-Smoker Protect 20 Protect
(Series 2) (Series 2)
Annual Rate per
$1,000 SA 1 $11.85 $8.69 1 $10.82 $7.27
10 $14.71 $10.71 10 $13.85 $9.31
20 $19.37 $14.43 20 $18.06 $13.06
30 $25.51 $20.00 30 $24.00 $18.69
40 $33.70 $27.66 40 $31.77 $26.43
50 $44.32 $40.27 50 $42.50 $39.16

Supreme Supreme
Female, Supreme Supreme
ANB ANB Protect 20 Protect
Non-Smoker Protect 20 Protect
(Series 2) (Series 2)
Annual Rate per
$1,000 SA 1 $11.09 $7.93 1 $10.25 $6.50
10 $13.98 $9.64 10 $13.13 $8.23
20 $18.29 $12.66 20 $16.88 $11.28
30 $23.93 $17.52 30 $22.50 $16.19
40 $30.93 $24.29 40 $29.30 $23.02
50 $39.57 $35.60 50 $37.70 $34.45

Supreme Supreme
Male, Supreme Supreme
ANB ANB Protect 20 Protect
Smoker Protect 20 Protect
(Series 2) (Series 2)
Annual Rate per
$1,000 SA 1 $13.17 $9.02 1 $12.47 $7.60
10 $16.76 $11.33 10 $16.06 $9.93
20 $22.16 $15.42 20 $22.50 $14.06
30 $28.88 $21.33 30 $30.31 $20.03
40 $38.36 $30.76 40 $39.71 $29.56
50 $50.61 $45.83 50 $48.86 $44.78

Female, Supreme Supreme

Supreme Supreme
Smoker ANB ANB Protect 20 Protect
Protect 20 Protect
Annual Rate per (Series 2) (Series 2)
$1,000 SA 1 $12.48 $8.35 1 $11.91 $6.89
10 $15.87 $10.57 10 $15.30 $9.26
20 $20.87 $14.36 20 $20.18 $12.95
30 $27.20 $19.70 30 $26.06 $18.39
40 $34.95 $27.00 40 $33.71 $25.76
50 $44.66 $38.11 50 $43.34 $36.98

79 81
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREMEINFORMATION
(PRODUCT PROTECT & SUPREME
PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Premium Rates Supreme Protect Plus Supreme Protect Plus (Series 2)

Supreme Supreme
Male, Supreme Supreme
Protect Protect
Non-Smoker ANB Protect Protect ANB
Plus 20 Plus
Annual Rate per Plus 20 Plus
(Series 2) (Series
$1,000 SA
2)
1 $4.19 $1.65 1 $4.46 $1.89
10 $4.98 $2.27 10 $5.34 $2.45
20 $6.18 $3.52 20 $7.28 $3.56
30 $7.80 $5.36 30 $8.96 $5.42
40 $11.18 $8.54 40 $11.38 $8.63
50 $15.78 $13.89 50 $16.10 $14.03

Female, Supreme Supreme

Supreme Supreme
Non-Smoker Protect Protect
ANB Protect Protect ANB
Annual Rate per Plus 20 Plus
Plus 20 Plus
$1,000 SA (Series 2) (Series 2)
1 $4.70 $1.84 1 $4.97 $2.11
10 $5.68 $2.61 10 $6.02 $2.80
20 $7.18 $3.92 20 $8.34 $4.03
30 $9.02 $5.98 30 $10.26 $6.04
40 $11.53 $8.85 40 $12.86 $8.94
50 $14.89 $12.95 50 $15.54 $13.08

Male, Supreme Supreme

Supreme Supreme
Smoker Protect Protect
ANB Protect Protect ANB
Annual Rate per Plus 20 Plus
Plus 20 Plus
$1,000 SA (Series 2) (Series 2)
1 $5.45 $2.34 1 $5.71 $2.50
10 $6.56 $3.23 10 $6.91 $3.32
20 $8.24 $4.82 20 $9.52 $4.87
30 $10.45 $7.58 30 $11.94 $7.66
40 $15.15 $12.22 40 $15.24 $12.35
50 $22.53 $20.02 50 $22.80 $20.82

Female, Supreme Supreme

Supreme Supreme
Smoker Protect Protect
ANB Protect Protect ANB
Annual Rate per Plus 20 Plus
Plus 20 Plus
$1,000 SA (Series 2) (Series 2)
1 $6.09 $2.61 1 $6.34 $2.77
10 $7.41 $3.43 10 $7.75 $3.75
20 $9.44 $5.15 20 $10.82 $5.54
30 $11.96 $7.82 30 $13.40 $8.30
40 $15.56 $12.07 40 $17.06 $12.64
50 $19.89 $17.48 50 $20.64 $18.25

8280
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
not
insurance. Please refer in
to be reproduced, to whole or part,
the Policy for public
Document for the/ precise
external distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions forinsurance
of the whatever purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
SUPREME PROTECT & SUPREME
SUPREME PROTECTPROTECT PLUS
& SUPREME PROTECT 2)
(SERIES PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3. Comparison of Supreme Protect versus Supreme Protect (Series 2)

For Male Non-Smoker, $100,000 Sum Assured, 1 ANB
Guaranteed Total
Guaranteed Total Surrender Surrender Surrender
Annual Premiums ($) Total Death Benefit / Death Benefit / Benefit / Benefit / PIRR Benefit IRR
Premium
Plan Name Premium Total Premium Total Premium Total Total Used (%)
Term
($) Premium Premium (%)
20th 40th 20th 40th 20th 40th 20th 40th 20th 40th
Basic Rider Total
Year Year Year Year Year Year Year Year Year Year
Supreme
Protect 20 &
20 960 419 1,379 27,580 3.63 3.63 6.27 8.88 0.49 0.96 0.77 2.20 5.25 -2.56 2.59
Supreme
Protect Plus 20
Supreme
Protect 20
(Series 2) &
20 1,082 446 1,528 30,560 3.27 3.27 5.26 7.32 0.44 0.87 0.66 1.84 4.75 -4.15 2.00
Supreme
Protect Plus 20
(Series 2)

For Male Non-Smoker, $100,000 Sum Assured, 10 ANB

Guaranteed Total
Guaranteed Total Surrender Surrender Surrender
Annual Premiums ($) Total Death Benefit / Death Benefit / Benefit / Benefit / PIRR Benefit IRR
Premium
Plan Name Premium Total Premium Total Premium Total Total Used (%)
Term
($) Premium Premium (%)
20th 40th 20th 40th 20th 40th 20th 40th 20th 40th
Basic Rider Total
Year Year Year Year Year Year Year Year Year Year
Supreme
Protect 20 &
20 1,246 498 1,744 34,880 2.87 2.87 4.96 7.02 0.52 1.03 0.83 2.35 5.25 -1.85 2.79
Supreme
Protect Plus 20
Supreme
Protect 20
(Series 2) &
20 1,385 534 1,919 38,380 2.61 2.61 4.19 5.83 0.47 0.94 0.71 1.98 4.75 -3.34 2.23
Supreme
Protect Plus 20
(Series 2)
83

Information accurate
81 at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or part, for public / external
_________________________________________________________________________________________________
distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or part, for public /
of the insurance plan.
external distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions,
including the exclusions of the insurance plan. SUPREME PROTECT
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT
(PRODUCT INFORMATION PACK) & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

For Male Non-Smoker, $100,000 Sum Assured, 20 ANB

Guaranteed Total
Guaranteed Total Surrender Surrender Surrender
Annual Premiums ($) Total Death Benefit / Death Benefit / Benefit / Benefit / PIRR Benefit IRR
Premium
Plan Name Premium Total Premium Total Premium Total Total Used (%)
Term
($) Premium Premium (%)
20th 40th 20th 40th 20th 40th 20th 40th 20th 40th
Basic Rider Total
Year Year Year Year Year Year Year Year Year Year
Supreme
Protect 20 &
20 1,712 618 $2,330 46,600 2.15 2.15 3.71 5.26 0.55 1.03 0.87 2.35 5.25 -1.30 2.79
Supreme
Protect Plus 20
Supreme
Protect 20
(Series 2) &
20 1,806 728 $2,534 50,680 1.97 1.97 3.17 4.41 0.51 0.95 0.76 2.00 4.75 -2.65 2.27
Supreme
Protect Plus 20
(Series 2)

For Male Non-Smoker, $100,000 Sum Assured, 30 ANB

Guaranteed Total
Guaranteed Total Surrender Surrender Surrender
Annual Premiums ($) Total Death Benefit / Death Benefit / Benefit / Benefit / PIRR Benefit IRR
Premium
Plan Name Premium Total Premium Total Premium Total Total Used (%)
Term
($) Premium Premium (%)
20th 40th 20th 40th 20th 40th 20th 40th 20th 40th
Basic Rider Total
Year Year Year Year Year Year Year Year Year Year
Supreme
Protect 20 &
20 2,326 780 3,106 62,120 1.61 1.61 2.78 3.94 0.58 0.98 0.92 2.24 5.25 -0.85 2.64
Supreme
Protect Plus 20
Supreme
Protect 20
(Series 2) &
20 2,400 896 3,296 65,920 1.52 1.52 2.44 3.39 0.54 0.92 0.82 1.95 4.75 -1.95 2.19
Supreme
Protect Plus 20
(Series 2)

84

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or part, for public / external
82
distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
_________________________________________________________________________________________________
Information
of the insurance plan. accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be reproduced, in whole or part, for public /
external distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions,
including the exclusions of the insurance plan.
SUPREME
SUPREME PROTECT
PROTECT &
& SUPREME
SUPREME PROTECT
PROTECT PLUS
PLUS (SERIES
(SERIES 2)
2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART VIII: REFERENCE

1. List of the Critical Illnesses covered under Supreme Protect Plus (Series 2)

SUPREME PROTECT
No. Name of CIs Covered Standard CIs Advanced Stage CIs
(Pays 100% of SA) (Pays Additional
100% of SA)
1 Major Cancers √ √
2 Heart Attack √ √
3 Stroke √ √
Coronary Artery By-pass
4 √ √
Surgery
5 Kidney Failure √ N.A
6 Aplastic Anaemia √ N.A
7 Encephalitis √ N.A
8 End Stage Lung Disease √ N.A
9 End Stage Liver Failure √ N.A
10 Coma √ N.A
11 Deafness √ N.A
12 Heart Valve Surgery √ N.A
13 Loss of Speech √ N.A
14 Major Burns √ √
Major Organ/Bone Marrow
15 √ N.A
Transplantation
16 Multiple Sclerosis √ N.A
17 Muscular Dystrophy √ N.A
18 Progressive Scleroderma √ N.A
19 Parkinson's Disease √ N.A
20 Surgery to Aorta √ N.A
Alzheimer's Disease/ Severe
21 √ N.A
Dementia
22 Fulminant Hepatitis √ N.A
23 Motor Neurone Disease √ N.A
Primary Pulmonary
24 √ N.A
Hypertension
25 Apallic Syndrome √ N.A
HIV due to blood transfusion
26 and occupationally acquired √ N.A
HIV
27 Benign Brain Tumour √ N.A
28 Bacterial Meningitis √ N.A
29 Major Head Trauma √ N.A
Angioplasty & Other Invasive
30 √ N.A
Treatment for Coronary Artery

85

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
82
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
_________________________________________________________________________________________________
Information accurate
is not a contract ofatinsurance.
time of printPlease
on 1 July 2013.
refer ThisPolicy
to the information is confidential
Document for theand is strictly
precise Termsfor internal circulation
& Conditions, only and the
including is not to be
exclusions
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
of the insurance
insurance. plan.to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
Please refer
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

2. Explanatory Notes on Critical Illness Definitions

(a) Advanced Stage Critical Illnesses

Name of
Definitions Explanatory notes
Critical Illness

Advanced Stage A malignant tumour positively diagnosed Cancer is an uncontrolled growth

Cancer with histological confirmation and of cells which spreads into the
characterised by the uncontrolled growth normal tissue surrounding the
of malignant cells and invasion of tissue. organ where the cancer
The term malignant tumour includes originates. The diagnosis must
leukaemia, lymphoma and sarcoma. be supported by tests where a
pathologist confirms the
This benefit will pay for Stage III and presence of cancer cells using a
above malignant tumours’. microscope.

Benefit will also be payable if the The benefit is payable for

diagnosis as having leukaemia, cancers which are Stage III and
lymphoma, or brain tumour is as follows: above as per the microscopic
staging.
Leukaemia's and Lymphoma
1. Acute Myeloid Leukaemia Blood cancer (Leukemia), cancer
2. Chronic Lymphocytic Leukaemia, stage involving cells in lymphatic
III or IV on the Rai classification system (lymphoma), or brain
3. Chronic Myeloid Leukaemia (requiring tumours are also covered as
bone marrow transplant) listed in the policy document.
4. Acute Lymphocytic Leukaemia (adults)
5. Hodgkins/Non Hodgkins lymphoma Malignant brain tumour refers to
Stage IV on Ann Arbor classification tumours of the brain which
system spread into the cerebrospinal
6. Multiple Myeloma Stage III on the fluid or into other organs of the
Durie- Salmon Scale. body. The malignancy needs to
be confirmed by microscopic
Brain Tumour evidences.
Malignant Brain Tumour: Brain tumour
that has spread into the Cerebrospinal This benefit does not cover
fluid or into another organ(s) cancers which are associated
with HIV.
The diagnosis of malignancy must be
confirmed by histological evidence.

All tumours in the presence of HIV

infection are excluded.

86

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
83
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
_________________________________________________________________________________________________
is not a contract
Information ofatinsurance.
accurate time of printPlease refer
on 1 July to the
2013. ThisPolicy Document
information for theand
is confidential precise Terms
is strictly & Conditions,
for internal including
circulation only and the exclusions
is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
of the insurance plan.
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT
(PRODUCT & SUPREME
INFORMATION PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Name of
Definitions Explanatory notes
Critical Illness

Heart Attack Death of a portion of the heart muscle The heart is an organ which

SUPREME PROTECT
with severe arising from inadequate blood supply to pumps blood around the body.
permanent the relevant area. This The heart has 4 chambers. The
impairment in diagnosis must be supported by Left left ventricle is responsible to
function ventricular ejection fraction less than 30% push blood out to the body. The
measured 3 months heart requires its own blood
or more after the event and any 2 or more supply to perform this function.
of the following criteria which are The supply is carried through
consistent with a new heart attack: tubes called coronary arteries.

• History of typical chest pain; If these tubes become blocked,

• New electrocardiogram (ECG) the supply of blood to parts of
changes proving infarction; the heart muscle can be cut off.
• Diagnostic elevation of cardiac If this happens, the heart muscle
enzyme CK-MB; will die. The death of a portion of
• Diagnostic elevation of Troponin the heart muscle will cause a
(T or I); typical chest pain which is often
very severe and prolonged.
When the blockage becomes
very severe then it affects the
amount of blood pump out from
the pumping chamber of the
heart (left ventricle) which is
measured in ejection fraction %.
Benefit will be payable if the
pumped out blood volume is less
than 30% for 3 months or more
following the heart attack.

Along with the above criteria, the

patient will also need to fulfill 2 or
more of the following criteria’s
and requires the certification by
an attending doctor:

a) The patient has history of

severe chest pain
b) An electrocardiogram proof of
the existence of a heart attack
(Electrocardiograph is a process
which records electrical activity
in the heart as it pumps.)
c) The cardiac enzymes (CK-MB/
Trop – T or I) which come from
the damaged portion and are
elevated in the blood stream.

87

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
84 to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
not
_________________________________________________________________________________________________
is not a contract
Information ofatinsurance.
accurate time of printPlease refer
on 1 July to the
2013. ThisPolicy Document
information for theand
is confidential precise Terms
is strictly & Conditions,
for internal including
circulation only and the exclusions
is not to be
reproduced,
of in whole
the insurance or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
plan.
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT
(PRODUCT & SUPREME
INFORMATION PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Name of
Definitions Explanatory notes
Critical Illness

Stroke with A cerebrovascular incident including Stroke refers to damage to a part

severe infarction of brain tissue, cerebral and of the brain as a result of
impairment subarachnoid haemorrhage, cerebral disruption of its normal blood
embolism and cerebral thrombosis. This supply. The stroke destroys part
diagnosis must be supported by all of the of the brain permanently leaving
following conditions: the patient with lasting effects to
their speech, strength, vision or
• Evidence of permanent touch, depending on the exact
neurological damage resulting in part of the brain affected.
inability to perform at 3 of the 6
activities of ADL confirmed by the The damage may be caused by:
neurologists after the 90 days of a) The burst of an artery causing
the event. a severe escape of blood into the
• Findings on Magnetic Resonance brain tissue (hemorrhage); or
Imaging, Computerised b) The cutting off of the blood
Tomography, or other reliable supply by a blockage causing
imaging techniques consistent death of a portion of the brain
with the diagnosis of a new (thrombosis/infarction of brain
stroke. tissue); or
c) The cutting off of the blood
The following are excluded: supply by a plaque which has
• Transient Ischaemic Attacks; traveled to the brain from
• Brain damage due to an accident another part of the body and
or injury, infection, vasculitis, and become stuck there (embolism).
inflammatory disease;
• Vascular disease affecting the eye Imaging tests such as CT scan
or optic nerve; and or MRI need to be performed to
• Ischaemic disorders of the confirm the diagnosis. The
vestibular system. permanent nature of the damage
is defined by the presence of
Activities of Daily Living: permanent neurological deficit 90
(i) Washing - the ability to wash in the bath days after the event and if the
or shower (including getting into and out of patient is unable to carry out his
the bath or /her 3 daily activity of living out of
shower) or wash satisfactorily by other 6 from the defined list in the
means; policy.
(ii) Dressing - the ability to put on, take off,
secure and unfasten all garments and, as The above definitions do not
appropriate, any cover the following conditions:
braces, artificial limbs or other surgical • Transient Ischaemic Attacks;
appliances; • Brain damage due to an
(iii) Transferring - the ability to move from accident or injury, infection,
a bed to an upright chair or wheelchair vasculitis, and inflammatory
and vice versa; disease;
(iv) Mobility - the ability to move indoors • Vascular disease affecting
from room to room on level surfaces; the eye or optic nerve; and
(v) Toileting - the ability to use the lavatory • Ischaemic disorders of the
or otherwise manage bowel and bladder vestibular system.
functions so as to
maintain a satisfactory level of personal
hygiene;
(vi) Feeding - the ability to feed oneself
once food has been prepared and made
available.

88

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
85 to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
not
_________________________________________________________________________________________________
is not a contract
Information ofatinsurance.
accurate time of printPlease refer
on 1 July to the
2013. ThisPolicy Document
information for theand
is confidential precise Terms
is strictly & Conditions,
for internal including
circulation only and the exclusions
is not to be
reproduced,
of in whole
the insurance or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
plan.
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT
(PRODUCT & SUPREME
INFORMATION PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Name of
Definitions Explanatory notes
Critical Illness

Coronary Artery The actual undergoing of open-chest The blood supply to the heart

SUPREME PROTECT
By-pass Surgery surgery to correct the narrowing or gradually reduces due to
blockage of three or more coronary deposits inside the coronary
arteries with bypass grafts. This diagnosis arteries.
must be supported by angiographic If the artery obstruction is
evidence of significant coronary artery significant, the patient will
obstruction and the procedure must be experience chest pain or suffer a
considered medically necessary by a heart attack. He/she may be
consultant cardiologist. advised by the doctor to undergo
Angioplasty and all other intra arterial, an open-heart operation to have
catheter based techniques, ‘keyhole’ or the blocked artery (or arteries)
laser procedures are excluded. bypassed using blood vessels
from other parts of the body.
Procedures which only clear (not
bypass) the blocked arteries,
such as balloon angioplasty, key-
hole surgery and laser therapy
are not covered as these
procedures are not "open-heart"
operations.

Extensive Burns Third degree (full thickness of the skin) There are three classifications of
st nd rd
burns covering greater than 20% of the burns:- 1 , 2 and 3 degree
surface of the Life Assured’s body. burns. The degree of burn
depends on the extent of the
damage done to the skin. The
rd
most serious burn is the 3
degree burn, where all the layers
(full thickness) of the skin are
affected.
rd
The policy pays if 3 degree
burns covering at least 20% of
the surface of the body are
sustained.

89

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
86 to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
not
_________________________________________________________________________________________________
is not a contract
Information ofatinsurance.
accurate time of printPlease refer
on 1 July to the
2013. ThisPolicy Document
information for theand
is confidential precise Terms
is strictly & Conditions,
for internal including
circulation only andthe exclusions
is not to be
reproduced,
of in whole
the insurance or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
plan.
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(b) The 3 new Standard Critical Illnesses

Name of
Definitions Explanatory notes
Critical Illness

Apallic Syndrome Universal necrosis of the brain cortex Apallic syndrome is a condition
with the brainstem intact. This where a patient who is in a coma
diagnosis must be definitely confirmed because of sustained severe brain
by a consultant neurologist holding damage, lives in a state of wakeful
such an appointment at an approved unconscious state rather than a true
hospital. This condition has to be consciousness. This condition occurs
medically documented for at least one when cortical parts of the brain are
month. disconnected from the brainstem.
The brainstem is a center in the brain
which helps to maintain respiration,
gastrointestinal coordination,
heartbeat and cranial nerves.
This state is also called
Unresponsive Wakefulness
syndrome.

The condition needs to be confirmed

by a neurologist doctor and the
apallic state has existed and needs to
be medically documented for at least
a period of one month.

Encephalitis Severe inflammation of brain Inflammation is a process when the

substance (cerebral hemisphere, body tissues start reacting to an
brainstem or cerebellum) caused by injury caused by invading pathogens
viral infection and resulting in or trauma.
permanent neurological deficit. This
diagnosis must be certified by a Encephalitis is a condition where the
consultant neurologist and the brain substance is inflamed due to a
permanent neurological deficit must be virus which results to permanent
documented for at least 6 weeks. neurological damages to the body.
The benefit is payable when the
Encephalitis caused by HIV infection is condition is confirmed by a
excluded. neurologist and its permanent
neurological deficit is documented for
at least 6 weeks from the date of the
diagnosis.

The cover does not include

encephalitis caused by HIV infection.

90

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
87
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
_________________________________________________________________________________________________
isInformation
not a contract of insurance.
accurate Please
at time of print on 1 refer to the
July 2013. Policy
This Document
information for the precise
is confidential Termsfor&internal
and is strictly Conditions, including
circulation the
only and is exclusions
not to be
ofreproduced, in whole
the insurance plan.or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREMEINFORMATION
(PRODUCT PROTECT & SUPREME
PACK) PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Name of
Definitions Explanatory notes
Critical Illness

Progressive A systemic collagen-vascular disease Scleroderma is a symptom of a group

SUPREME PROTECT
Scleroderma causing progressive diffuse fibrosis in of diseases that involves the
the skin, blood vessels and visceral abnormal growth of connective tissue
organs. This diagnosis must be of the skin and internal organs. In
unequivocally supported by biopsy and other words “hard skin”. Progressive
serological evidence and the disorder type scleroderma involves blood
must have reached systemic vessel and visceral organs but
proportions to involve the heart, lungs excludes the skin.
or kidneys.
The condition needs to be confirmed
The following are excluded: by a biopsy, blood tests and the
• Localised scleroderma (linear condition must affect the heart, lungs
scleroderma or morphea); or kidneys system.
• Eosinophilic fascitis; and
• CREST syndrome. The above condition does not cover
scleroderma of localise type, localise
fibrosing disorder of the fascia
(Eosinophilic fasciitis) or CREST
syndrome

91

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
88to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
not
_________________________________________________________________________________________________
isInformation
not a contract of insurance.
accurate Please
at time of print on 1 refer to the
July 2013. Policy
This Document
information for the precise
is confidential Termsfor&internal
and is strictly Conditions, including
circulation the
only and is exclusions
not to be
ofreproduced, in whole
the insurance plan.or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3. Sample Declaration Forms for Guaranteed Insurability Benefit

I. For New Business Proposals

92

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
89
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
_________________________________________________________________________________________________
is not a contract
Information ofatinsurance.
accurate time of printPlease refer
on 1 July to the
2013. ThisPolicy Document
information for theand
is confidential precise Terms
is strictly & Conditions,
for internal including
circulation only and the exclusions
is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
of the insurance plan.
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

II. For Inclusion of Rider

SUPREME PROTECT

93

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
90
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
_________________________________________________________________________________________________
is Information
not a contract of insurance.
accurate Please
at time of print on 1 refer to theThis
July 2013. Policy Document
information for the precise
is confidential Termsfor&internal
and is strictly Conditions, including
circulation theis exclusions
only and not to be
ofreproduced, in whole
the insurance plan.or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
SUPREME PROTECT & SUPREME PROTECT PLUS (SERIES 2)
(PRODUCT INFORMATION PACK)

Notes

94

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
Life Protection

FLEXILIFE
Safeguard your future on your own terms
FLEXILIFE
FLEXILIFE (SERIES
(SERIES 3)
3) &&CRITICAL
CRITICAL ILLNESS
ILLNESSPROTECTOR
PROTECTOR(SERIES
(SERIES3)3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

TABLE OF CONTENTS

Page
General Introduction 99
1. Launch Date 99
2. Sales Territory 99
3. Currency 99

Part I FlexiLife (Series 3)

Section A Product Information 100
1. Introduction 100
2. Plan Code 100
3. Benefits 100
4. Policy Values 101
5. Underwriting and Issuance Requirements 102
6. Policy Conditions 104
7. Premiums 104
8. Sample Premium Rates 106
9. Guide to Product Investment Risk Classification/ 107
Client Investment Risk Profile Match
10. Agency Compensation 107
Section B Sample Benefit Illustration & Product Summary 108

Part II Critical Illness Protector (Series 3)

Section A Product Information 120

FLEXILIFE
1. Introduction 120
2. Plan Code 120
3. Benefits 120
4. Policy Values 121
5. Underwriting and Issuance Requirements 121
6. Policy Conditions 122
7. Premiums 122
8. Sample Premium Rates 123
9. Guide to Product Investment Risk Classification/ 124
Client Investment Risk Profile Match
10. Agency Compensation 124
Section B Sample Benefit Illustration & Product Summary 125

1
_________________________________________________________________________________________________ 97
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)

FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)

(PRODUCT INFORMATION PACK)

Page

Part III Sample Policy Contracts & Endorsements 128

Part IV Frequently Asked Questions 148

Part V Target Market and Sales Propositions 150

Part VI Training & Competency Requirements 152

Part VII Competitive Analysis 155

98

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
2 be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
not to
_________________________________________________________________________________________________
is not a contract
Information of insurance.
accurate at time ofPlease refer
print on to the
1 July Policy
2013. Document isforconfidential
This information the precise
andTerms & Conditions,
is strictly including only
for internal circulation the exclusions
and is not to be
of the insuranceinplan.
reproduced, whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
FLEXILIFE (SERIES
FLEXILIFE (SERIES 3)
3) &
& CRITICAL
CRITICAL ILLNESS
ILLNESS PROTECTOR
PROTECTOR (SERIES
(SERIES3)
3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

GENERAL INTRODUCTION
FlexiLife (Series 3) and Critical Illness Protector (Series 3)

FlexiLife (Series 3) is a series of participating Whole Life plans with Reversionary and Terminal Bonus. The key
objective of this plan is to provide Protection cover against pre-mature Death, Total & Permanent Disability (TPD)
and Terminal Illness (TI). As a participating plan, it accumulates cash value during the course of the policy.

FlexiLife (Series 3) offers lifetime protection with flexible payment options. 2 varying premium payment terms: 20
year-pay and pay up to 80 ANB, are available to suit the budget and preference of individuals.

The protection under FlexiLife (Series 3) can be enhanced by attaching a Critical Illness rider, i.e. Critical Illness
Protector (Series 3). Critical Illness Protector (Series 3) accelerates the payment of the basic policy’s death benefit
when the Life Assured is diagnosed with one of the 30 Critical Illnesses. The sum assured of Critical Illness Protector
Rider can be equal to the basic plan sum assured or lower, subject to the minimum limits.

1. LAUNCH DATE
1 July 2013

2. SALES TERRITORY
This plan is available for Singapore and Brunei.

3. CURRENCY
S$ - For policies issued in Singapore.
B$ - For policies issued in Brunei.

FLEXILIFE

2
_________________________________________________________________________________________________ 99
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

PART I: FLEXILIFE (SERIES 3)

SECTION A: PRODUCT INFORMATION

1. PLANS UNDER FLEXILIFE (SERIES 3)

FlexiLife (Series 3) offers 2 premium payment variations as follows:
Plan Name Protection Coverage Premium Payment Term
FlexiLife 20 (Series 3) Whole of Life 20 years
FlexiLife (Series 3) Whole of Life Up to 80 ANB

2. PLAN CODE
Plans Plan Code
FlexiLife 20 (Series 3) 0679
FlexiLife (Series 3) 0710

3. BENEFITS
3.1 Death Benefit
The Sum Assured together with attaching bonus (if any) will be payable in one lump sum upon death
of the life assured.

3.2 Total and Permanent Disability (TPD) Benefit

(Subject to a maximum Sum Assured of $2,000,000 on any policies or riders issued by the Company
on the same Life Assured)

3.2.1 Occupational TPD

If the Life Assured suffers from TPD before the policy anniversary preceding his 65th
birthday, the death benefit will be payable in one lump sum and the policy will terminate.

Occupational TPD refers to a disability suffered by the Life Assured which render the Life
Assured in a total and permanent state of incapacity to perform any work, occupation or
profession to earn or obtain any wage, remuneration or profit at any time during and
thereafter.

3.3.2 Presumptive TPD

This benefit is applicable for the whole of life.

Presumptive TPD is described as a condition where the Life Assured suffers from such a
state of incapacity which is total and permanent and which takes in the form of:
(a) total and irrecoverable loss of sight in both eyes, or
(b) total and irrecoverable loss of the use of two limbs at or above the wrist or ankle; or
(c) total and irrecoverable loss of the sight in one eye and total and
irrecoverable loss of the use of one limb at or above the wrist or
ankle.

3.3 Terminal Illness (TI) Benefit

If the Life Assured suffers from Terminal Illness, the death benefit will be payable in one lump sum
and the policy will terminate.

Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death of
the Life Assured within 12 months. This diagnosis must be supported by a specialist and confirmed
by the Company’s appointed doctor.

Terminal illness in the presence of HIV infection is excluded.

3
100
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3.4 Living Benefit (Optional)

Critical Illness Protector (Series 3) is an optional CI accelerator rider for FlexiLife (Series 3).

Upon diagnosis of the 30 Critical Illnesses, the Sum Assured plus attaching bonus (if any) of the
basic plan will be payable in one lump sum. The amount payable from the basic plan is determined
by the Sum Assured of the Critical Illness Protector (Series 3).

3.5 Projected Bonus

3.5.1 Reversionary Bonus
Bonus per $1,000
Duration (Years) Compounding Rate
Sum Assured
1 – 20 $7.50 1.50%
20 & above $9.00 0%

3.5.2 Terminal Bonus (Percentage of Attached Bonus)

Death/ TPD/ TI/
Duration (Years) Surrender
Critical Illness
1–9 0% 0%
10 60% 0%
11 70% 0%
12 80% 0%
13 90% 90%
14 100% 100%
15 110% 110%
16 130% 130%
17 150% 150%
18 170% 170%
19 190% 190%
20 210% 210%

FLEXILIFE
21 225% 225%
22 220% 220%
23 215% 215%
24 215% 215%
25 & above 205% 205%

4. POLICY VALUES

4.1 Cash Surrender Value

Surrender Values vary according to gender, age at entry and policy duration, and are available after
premium payment of 3 years.

4.2 Automatic Premium Loan (APL)

APL will be available when the policy has a cash value.

4.3 Reduced Paid Up Values

On conversion to reduced paid-up, the converted policy will cease to participate in the profits of the
company and all riders attached to the policy will be cancelled. Total and Permanent Disability
Benefit and Terminal Illness Benefit will also be cancelled.

The cash surrender value immediately before conversion, less any indebtedness under the policy,
will be used to determine the reduced paid up sum assured. The sum assured will be payable upon
death that occurs in the policy coverage term.

4
_________________________________________________________________________________________________
101
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4.4 Extended Term Assurance (ETA)

On conversion to extended term assurance, the converted policy will cease to participate in the
profits of the company and all riders attached to the policy, will be cancelled. Total and Permanent
Disability Benefit and Terminal Illness Benefit will also be cancelled.

The cash surrender value immediately before conversion, less any indebtedness under the policy,
will be used to determine the coverage term. The sum assured will be payable upon death that
occurs in the policy coverage term.

4.5 Policy Loan

Policy loan will be available when the policy has a cash value. Policy loan interest rate varies in
accordance with the Company’s prevailing rate.

5. UNDERWRITING AND ISSUANCE REQUIREMENTS

5.1 Eligibility
Singapore Citizens and Singapore Permanent Residents are eligible for the policy.
The policy can be issued to foreigners, subject to latest underwriting guidelines issued by New
Business Department.

5.2 Level of Underwriting

Full underwriting

5.3 Age at Entry

Plans Min Max
FlexiLife 20 (Series 3) 55 ANB
1 ANB
FlexiLife (Series 3) 65 ANB

For foreigners
Plans Min Max
FlexiLife 20 (Series 3) 52 ANB
1 ANB
FlexiLife (Series 3) 62 ANB

5.4 Policy Term

Whole of Life

5.5 Sum Assured

Min Max
$20,000 Subject to financial underwriting

5102
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be Please
insurance. reproduced,
refer toin
thewhole
Policyor part, forfor
Document public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions for whatever
of the insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

5.6 Riders allowed

Rider Type Rider Name
• Critical Illness Protector 20 (Series 3) *
Critical Illness Benefit • Critical Illness Protector (Series 3) *
• Critical Care Advantage Rider
• Junior Living Assurance Rider Plus
• Her Living Assurance Rider
• Pregnancy Risk Cover (optional rider to Her Living
Assurance Rider only)

Term Cover
• MortgageCare (Living Assurance) Rider II
• MortgageCare Rider
Payer Benefit • Payer Benefit Rider III
(For Third Party
Policies) • Payer Benefit (Living Assurance) Rider III
Premium Waiver
Benefit • Premium Waiver Rider
Disability Income • LifeSecure Rider
Benefit
• LifeSecure Rider 65
• LifeSecure Rider 80
• PayAssure Rider 55
• PayAssure Rider 60
• PayAssure Rider 65
Personal Accident • AccidentCare Plus II Rider
Cover • Double Accident Protector Rider
• Accidental Permanent Disablement Rider
• Essential Protector Plus
Hospital Benefits • Lifetime Hospital Benefit Rider
Benefit •

FLEXILIFE
Hospital Income Benefit Rider

*Note on attachment of Critical Illness Protector (Series 3):

Attachment of the suite of Critical Illness Protector (Series 3) may restrict the attachment of other
riders if maximum Sum Assured of Critical Illness Protector is chosen.

Payment term of Critical Illness Protector (Series 3) must be equal or longer than that of the basic
policy, provided maximum age at entry of the rider has not been exceeded.

Below is the product-rider matrix for FlexiLife (Series 3) and Critical Illness Protector (Series 3):
Critical Illness Protector 20 Critical Illness Protector
(Series 3) (Series 3)
FlexiLife 20 (Series 3) Yes Yes
FlexiLife (Series 3) No Yes

5.7 Non-Medical Limits & Financial Underwriting

Please make reference to the latest underwriting guidelines issued by New Business Underwriting.

5.8 Backdating
Backdating is allowed. The usual backdating conditions apply but the policy cannot be backdated to
a date earlier than 1 July 2013.

5.9 Restrictions
All restrictions, including the issuing of the policy to housewives, juveniles and members of the
Armed Forces, are subject to the latest underwriting guidelines issued by New Business
Department.

6
_________________________________________________________________________________________________
103
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

5.10 Documents for Policy Application

The following documents should be submitted:
1. Financial Life Plan (FLP)
2. Benefits Illustration and Product Summary (BIPS)
3. Proposal Form
4. Photocopy of Policyholder’s NRIC (Singaporean/Singapore PR) or Passport (Foreigners)
5. Life Planner’s Confidential Report (LPCR)
6. Supplementary Question on Health, Occupation, Avocation and Residential Risk (if applicable)
7. Financial Questionnaire Part I and/or Part II (if applicable)
8. Evidence of Financial Documentaries (if applicable)

6. POLICY CONDITIONS

6.1 Lien Clause for Children (Total and Permanent Disability (TPD) Benefit)
If the Life Assured becomes totally and permanently disabled before turning 1 year old, 20% of the
death benefit shall be payable in one lump sum and the policy will terminate.

6.2 Third Party

The policy can be only issued as a Third Party policy.

6.3 Reinstatement
Reinstatement is allowed within 3 years from the lapse date and is subject to underwriting and the
submission of all relevant documents.

Upon approval, the reinstatement will be effective from the Approval Date or Payment Date,
whichever is later and the waiting period under the policy shall apply from the Reinstatement
Effective Date. The Policyholder has to pay off the overdue premiums with interest once the
reinstatement is approved

6.4 Assignment of policy

There is no restriction on assignments.

7. PREMIUMS

7.1 Premium
Premium rates for FlexiLife (Series 3) are level and guaranteed.

7.2 Premium Rates

Premiums vary according to age at entry, gender and smoking habit.

7.3 Premium Payment Term

Plans Premium Payment Term
FlexiLife (Series 3) 20
FlexiLife 20 (Series 3) Up to age 80 ANB

7
104
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

7.4 Premium Payment Method and Modal Factor

Payment Modes Modal Factor Cash Policy
Monthly (GIRO) 0.08583 
Quarterly 0.25750 
Half-Annually 0.51000 
Annual 1.00000 
 To facilitate monthly  Cheque payment is allowed.
payment, application for  Credit Card payment is
the policy to be on applicable for initial premium
GIRO is compulsory. payment only.
Remarks
 Formula for calculating
the modal premium
 Annual Premium x
<Modal Factor>

7.5 Premium Loading

Premium loading will be subject to existing underwriting rules.

7.6 Discount
7.6.1 Large Sum Assured Discount
Basic Sum Assured Discount per $1,000 Sum Assured (S$)
(S$) FlexiLife 20 (Series 3) & FlexiLife (Series 3)
20,000 – 29,999 +$3.50
30,000 – 49,999 +$2.00
50,000 – 99,999 +$1.50
100,000 – 199,999 0.00
200,000 – 299,999 -$0.25
300,000 & above -$0.40

FLEXILIFE
7.6.2 Female Discount
Nil

7.6.3 Non-Smoker Discount

Distinct Smoker and Non Smoker rates apply.

8
_________________________________________________________________________________________________
105
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

8. SAMPLE PREMIUM RATES

8.1 Non-Smoker rates

Male, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

ANB FlexiLife 20 (Series 3) FlexiLife (Series 3)
1 $10.64 $6.85
10 $13.70 $8.78
20 $17.65 $12.33
30 $22.88 $17.48
40 $30.04 $24.72
50 $39.66 $36.98

Female, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

ANB FlexiLife 20 (Series 3) FlexiLife (Series 3)
1 $10.04 $6.31
10 $12.85 $7.99
20 $16.56 $10.95
30 $21.40 $15.72
40 $27.99 $22.36
50 $36.41 $33.44

8.2 Smoker rates

Male, Smoker, Annual Premium Rate per $1,000 Sum Assured

ANB FlexiLife 20 (Series 3) FlexiLife (Series 3)
1 $12.15 $6.92
10 $15.78 $9.28
20 $21.17 $13.05
30 $25.70 $18.32
40 $33.64 $27.40
50 $45.96 $41.51

Female, Smoker, Annual Premium Rate per $1,000 Sum Assured

ANB FlexiLife 20 (Series 3) FlexiLife (Series 3)
1 $11.56 $6.55
10 $14.94 $8.77
20 $19.87 $12.22
30 $24.08 $17.10
40 $31.35 $23.89
50 $40.44 $34.42

9
106
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

9. GUIDE TO PRODUCT INVESTMENT RISK CLASSIFICATION / CLIENT INVESTMENT

RISK PROFILE MATCH
Client All Risk Conservative Moderately Moderately Aggressive
Investment Profiles: Conservative Aggressive
Risk Profile Conservative,
Moderately
Conservative,
Moderately
Aggressive,
Aggressive
Product N.A. Lower Low to Medium to Higher
Investment (Pure (Generally Medium High (Generally
Risk Protection with 50% or (Generally (Generally with no
Classification without or little more capital with less than with no guarantee,
cash value) guarantee) 50% capital guarantee; higher
guarantee) moderate volatility)
volatility)
FlexiLife 20
(Series 3) ü
FlexiLife
(Series 3) ü
Note: For plans with riders, the final Product Investment Risk will be based on the Higher Risk Classification of
either the basic plan or rider.

10. AGENCY COMPENSATION

10.1 Basic Commission

Plan Name Premium Basic Commission (as percentage of the premium)

FLEXILIFE
Payment
Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
FllexiLife 20
20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
(Series 3)

FlexiLife 15 30.00% 10.00% 5.00% 5.00% 5.00% 5.00%

(Series 3) 16 32.00% 11.00% 5.00% 5.00% 5.00% 5.00%
17 34.00% 12.00% 5.00% 5.00% 5.00% 5.00%
18 36.00% 13.00% 5.00% 5.00% 5.00% 5.00%
19 38.00% 14.00% 5.00% 5.00% 5.00% 5.00%
20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
21 42.00% 17.00% 5.00% 5.00% 5.00% 5.00%
22 44.00% 19.00% 5.00% 5.00% 5.00% 5.00%
23 46.00% 21.00% 5.00% 5.00% 5.00% 5.00%
24 48.00% 23.00% 5.00% 5.00% 5.00% 5.00%
25 &
50.00% 25.00% 5.00% 5.00% 5.00% 5.00%
above

10.2 Threshold Commission

The prevailing agency compensation structure that is effective on the effective date of the policy.

10
_________________________________________________________________________________________________
107
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SECTION B: SAMPLE BENEFIT ILLUSTRATION & PRODUCT SUMMARY

FLEXILIFE 20 (SERIES 3) (BENEFIT ILLUSTRATION)

Introduction

The Great Eastern Life Assurance Company Limited believes that it is important that you fully appreciate the benefits
of your policy. You should also understand how the cost of your insurance cover and the expenses of administration
and sales affect the benefits that you will receive.

The illustration that follows shows how the value of your policy and the sum that would be payable on your death
change over time. The methods used to derive the values shown follow guidelines established by the Life Insurance
Association, Singapore, to ensure that a fair and consistent approach is used in preparing this illustration.

Please note that your policy provides a combination of (1) guaranteed benefits and (2) non-guaranteed benefits in
the form of bonuses / cash dividends. The bonus rates / dividend scales used in this illustration are not guaranteed
and may vary according to the performance of the Participating Fund.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high
costs and the surrender value payable may be less than the total premiums paid.

If you need clarification please do not hesitate to ask your adviser.

Policyholder and plan details

Proposed Insured: PROSPECT [Affix signature] Prepared by: Distribution Rep

Age Next Birthday: 30 Date: 21/05/2013
Sex: Male Rep. No.:
Smoker: No Foreigner: No
Resident: Yes
Plan: FlexiLife 20 (Series 3) Plan Code: 0679
Sum Assured: $100,000
Annual Premium: $2,288.00 (M:$196.40 Q:$589.20 H:$1,166.90)
Policy Term: Whole of life
Payable For: 20 years

Benefit illustration
DEATH BENEFIT
Total
Projected at Projected at
End of Premiums
3.25% investment return 4.75% investment return
Policy Paid To- Guaranteed
Non- Non-
Year/Age date (S$)
guaranteed Total (S$) guaranteed Total (S$)
(S$)
(S$) (S$)
1/31 2,288.00 100,000 465 100,465 750 100,750
2/32 4,576.00 100,000 934 100,934 1,511 101,511
3/33 6,864.00 100,000 1,408 101,408 2,283 102,283
4/34 9,152.00 100,000 1,886 101,886 3,068 103,068
5/35 11,440.00 100,000 2,368 102,368 3,864 103,864
6/36 13,728.00 100,000 2,855 102,855 4,672 104,672
7/37 16,016.00 100,000 3,347 103,347 5,492 105,492
8/38 18,304.00 100,000 3,843 103,843 6,324 106,324
9/39 20,592.00 100,000 4,344 104,344 7,169 107,169
10/40 22,880.00 100,000 6,643 106,643 12,843 112,843
15/45 34,320.00 100,000 12,512 112,512 26,274 126,274
20/50 45,760.00 100,000 23,389 123,389 53,762 153,762
25/55 45,760.00 100,000 29,418 129,418 66,620 166,620
30/60 45,760.00 100,000 35,751 135,751 80,345 180,345
35/65 45,760.00 100,000 42,084 142,084 94,070 194,070
40/70 45,760.00 100,000 48,417 148,417 107,795 207,795
11
108
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer tointhewhole
PolicyorDocument
part, for for
public / external
the precise Termsdistribution to Policyholders
& Conditions, or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SURRENDER VALUE
Total
Projected at Projected at
End of Premiums
3.25% investment return 4.75% investment return
Policy Paid To- Guaranteed
Non- Non-
Year/Age date (S$)
guaranteed Total (S$) guaranteed Total (S$)
(S$)
(S$) (S$)
1/31 2,288.00 - - - - -
2/32 4,576.00 - - - - -
3/33 6,864.00 2,700 285 2,985 462 3,162
4/34 9,152.00 4,200 395 4,595 643 4,843
5/35 11,440.00 5,700 514 6,214 839 6,539
6/36 13,728.00 7,200 642 7,842 1,050 8,250
7/37 16,016.00 8,900 779 9,679 1,278 10,178
8/38 18,304.00 10,500 926 11,426 1,523 12,023
9/39 20,592.00 12,300 1,082 13,382 1,787 14,087
10/40 22,880.00 14,100 1,250 15,350 2,069 16,169
15/45 34,320.00 24,000 3,813 27,813 8,007 32,007
20/50 45,760.00 35,900 8,402 44,302 19,313 55,213
25/55 45,760.00 41,800 12,308 54,108 27,874 69,674
30/60 45,760.00 47,900 17,147 65,047 38,535 86,435
35/65 45,760.00 54,400 22,899 77,299 51,185 105,585
40/70 45,760.00 60,900 29,532 90,432 65,748 126,648

What is the significance of the Projected Investment Rate of Return?

The illustrations have been prepared on two assumptions regarding the investment rate of return achieved by the
investments of the fund. The two rates 3.25% and 4.75%, are used purely for illustrative purposes and do not
represent upper and lower limits on the investment performance of the Participating Fund.

The two rates shown are net of any investment expenses. Please refer to the investment expense ratio in the Product
Summary, shown for up to the last 3 years, for an indication of the actual investment expenses incurred in managing
the Participating Fund.

FLEXILIFE
The higher rate 4.75% does not exceed the maximum best estimate of the long-term investment rate of return
(currently 4.75%), which has been set by the Life Insurance Association, Singapore.

Please note that investment performance is not the only factor that will affect the benefits that you will receive. Other
factors such as the actual level of death and disability claims on the fund and the expenses incurred will also have a
bearing upon the benefits that you will receive.

As the bonus rates (or cash dividends) used for the benefits illustrated above are not guaranteed, the actual benefits
payable will vary according to the future experience of the Participating Fund.

13 109
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced,accurate
in whole at
or time
part, of
forprint on/1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is strictly
whatever forpurposes.
internal circulation
This is notonly and is of
a contract
not to be reproduced,
insurance. Please refer in
to whole or part,
the Policy for public
Document for the/precise
external distribution
Terms to Policyholders
& Conditions, or prospects
including the exclusions forinsurance
of the whatever purposes. This
plan.
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

What is the impact of deductions on what you might get back?

The following table illustrates the effect that deductions will have on the amount you get back on surrender or
maturity. It also highlights the cost of surrendering the policy early.

Table of deductions
DEDUCTIONS
Total
Projected at 3.25% investment return Projected at 4.75% investment return
End of Premiums
Value of Total Value of Total
Policy Paid To- Effect of Effect of
Premiums Surrender Premiums Surrender
Year/Age date Deductions Deductions
Paid To- Value Paid To- Value
(S$) To-date (S$) To-date (S$)
date (S$) (S$) date (S$) (S$)
1/31 2,288.00 2,362 2,362 - 2,397 2,397 -
2/32 4,576.00 4,801 4,801 - 4,907 4,907 -
3/33 6,864.00 7,320 4,335 2,985 7,537 4,375 3,162
4/34 9,152.00 9,920 5,325 4,595 10,292 5,449 4,843
5/35 11,440.00 12,605 6,391 6,214 13,177 6,638 6,539
6/36 13,728.00 15,377 7,535 7,842 16,200 7,950 8,250
7/37 16,016.00 18,239 8,560 9,679 19,366 9,188 10,178
8/38 18,304.00 21,194 9,768 11,426 22,683 10,660 12,023
9/39 20,592.00 24,245 10,863 13,382 26,157 12,070 14,087
10/40 22,880.00 27,396 12,046 15,350 29,796 13,627 16,169
15/45 34,320.00 44,751 16,938 27,813 50,754 18,747 32,007
20/50 45,760.00 65,117 20,815 44,302 77,187 21,974 55,213
25/55 45,760.00 76,409 22,301 54,108 97,345 27,671 69,674
30/60 45,760.00 89,659 24,612 65,047 122,767 36,332 86,435
35/65 45,760.00 105,207 27,908 77,299 154,829 49,244 105,585
40/70 45,760.00 123,451 33,019 90,432 195,264 68,616 126,648

Based on a Projected Investment Rate of Return of 4.75%p.a., the total deductions would have the
effect of reducing the Projected Investment Rate of Return upon surrender at age 65 to 3.26% p.a.

What do the columns in the table of deductions mean?

1. “Value of Premiums Paid To-date” is obtained by accumulating the premiums paid to date at the Projected
Investment Rate of Return, assuming that you were able to invest all of your premiums without deduction for the
cost of insurance and without incurring any expenses.

2. The difference between the “Value of Premiums Paid To-date” and “Total Surrender Value” represents the “Effect
of Deductions To-date”. This is the accumulated value of the deductions for the cost of insurance and expenses.

14
110
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

How much are you paying for distribution costs?

This table shows the total costs of distribution that The Company expects to incur in relation to your policy, including
the cost of any financial advice provided to you.

Total distribution cost

End of
Total Premiums Paid Total Distribution Cost
Policy
To-date (S$) To-date (S$)
Year/Age
1/31 2,288.00 1,989
2/32 4,576.00 2,652
3/33 6,864.00 2,863
4/34 9,152.00 2,987
5/35 11,440.00 3,110
6/36 13,728.00 3,234
7/37 16,016.00 3,234
8/38 18,304.00 3,234
9/39 20,592.00 3,234
10/40 22,880.00 3,234
15/45 34,320.00 3,234
20/50 45,760.00 3,234
25/55 45,760.00 3,234
30/60 45,760.00 3,234
35/65 45,760.00 3,234
40/70 45,760.00 3,234

What does the last column represent?

1. The Total Distribution Cost To Date is the sum of each year’s expected distribution-related costs, without interest.
Such costs include cash payments in the form of commission, costs of benefits and services paid to the distribution
channel.

FLEXILIFE
2. Please note that the Total Distribution Cost is not an additional cost to you; it has already been allowed for in
calculating your premium.

3. You can obtain the Total Distribution Cost of each of the supplementary benefits (if applicable) from your Financial
Adviser or its representatives.

15
_________________________________________________________________________________________________
111
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES
FLEXILIFE (SERIES 3)
3) &
& CRITICAL
CRITICAL ILLNESS
ILLNESS PROTECTOR
PROTECTOR (SERIES
(SERIES 3)
3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

FLEXILIFE 20 (SERIES 3) (PRODUCT SUMMARY)

1. Provider of the Plan

The Great Eastern Life Assurance Company Limited

1 Pickering Street #13-01 Great Eastern Centre Singapore 048659

2. Nature and Objective of the Plan

This is a regular premium participating whole life plan with a limited premium payment term of 20 years. This plan
provides financial protection against death (lifetime) or total and permanent disability. It also allows you to
participate in the performance of the Participating Fund in the form of bonuses that are not guaranteed.

The objective of the plan is to provide insurance protection together with stable medium- to long–term returns via
a combination of guaranteed benefits and non-guaranteed bonuses.

3. Benefits under the Plan

3.1 Death Benefit

The sum assured together with the attaching bonus, if any, will be payable upon death.

3.2 Total and Permanent Disability (TPD) Benefit

(Subject to a maximum Sum Assured of S$2,000,000 on any policies or riders issued by the Company on the
same Life Assured)

If the Life Assured suffers from TPD before the policy anniversary preceding his 65th birthday, the death benefit
will be payable in one lump sum and the policy will terminate.

The condition that the Life Assured’s disability must occur before the policy anniversary preceding his 65th
birthday is not applicable for the presumptive TPD, which is covered for whole of life. Presumptive TPD is
described as a condition where the Life Assured suffers from such a state of incapacity which is total and
permanent and which takes in 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 the use of one
limb at or above the wrist or ankle.

If the Life Assured suffers from TPD before turning age 1, 20% of the death benefit will be payable in one lump
sum and the policy will terminate.

3.3 Terminal Illness Benefit

If the Life Assured suffers from Terminal Illness, the death benefit will be payable in one lump sum and the policy
will terminate.

Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months. This diagnosis must be supported by a specialist and confirmed by the Company’s
appointed doctor.

3.4 Surrender Value

The surrender values will be available after the payment of three full years of premium. After the policy has been
in force for three years, the bonus may be surrendered for its surrender value.

At present, loans of up to 92% of the total surrender value may be taken on the security of the policy.
15
112
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 FLEXILIFE(SERIES
FLEXILIFE (SERIES3)3)&&CRITICAL
CRITICALILLNESS
ILLNESSPROTECTOR
PROTECTOR(SERIES
(SERIES3)3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK) PACK)

3.5 Bonuses

This plan provides guaranteed and non-guaranteed benefits. The guaranteed benefits, including bonuses which
have already been declared, will be paid regardless of the performance of the Participating Fund. Non-
Guaranteed benefits are in the form of future bonuses.

The future bonuses which have yet to be declared are not guaranteed and the company will decide the level of
bonus to be declared each year as approved by the board of directors, taking into account the written
recommendation by the appointed actuary.

There are two main types of bonuses, reversionary bonus and terminal bonus.

3.5.1 Reversionary Bonus

The current reversionary bonus rate of the plan is as follows:

End of Policy Year Reversionary Bonus
Less than 21 $7.5 per $1000 sum assured compounding at 1.5% p.a.
21 & above $9 per $1000 sum assured
Reversionary bonus is determined annually and is added to the guaranteed benefit. Once declared, it will form part of
the guaranteed benefit of this policy.

3.5.2 Terminal Bonus

Terminal bonus on death, TPD or Terminal Illness is as follows:

End of Policy Year Terminal Bonus (as percentage of

attaching Reversionary Bonus payable on
death, TPD or Terminal Illness)
10 60%
11 70%
12 80%

FLEXILIFE
13 90%
14 100%
15 110%
16 130%
17 150%
18 170%
19 190%
20 210%
21 225%
22 220%
23 215%
24 215%
25 and above 205%

16
_________________________________________________________________________________________________ 113
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, in accurate at time
whole or part, for of print/ on
public 1 Julydistribution
external 2013. Thistoinformation is confidential
Policyholders or prospects and is strictlypurposes.
for whatever for internal circulation
This only and
is not a contract ofis
insurance. Please
not to be refer to the
reproduced, in Policy
wholeDocument forpublic
or part, for the precise Terms distribution
/ external & Conditions,to
including the exclusions
Policyholders of the insurance
or prospects plan. purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Terminal bonus on surrender is as follows:

End of Policy Year Terminal Bonus (as percentage of

surrender value of attaching
Reversionary Bonus)
13 90%
14 100%
15 110%
16 130%
17 150%
18 170%
19 190%
20 210%
21 225%
22 220%
23 215%
24 215%
25 and above 205%
Terminal bonus is a one-time bonus payable upon death or total and permanent disability or terminal illness or
surrender of this policy. The review of the terminal bonus is usually held annually.

Please note that the above bonus rates have been illustrated at the higher projected investment rate of return in
the Benefit Illustration.

4. Investments of Assets

The Participating Fund seeks to achieve the projected investment rate of return while controlling risks. The fund
does so through active management of a mix of asset classes. Diversification is employed through investing
primarily in equities, fixed income and alternative asset classes.

While the Company partly manages the assets of the Participating Fund, Lion Global Investors Ltd has been
appointed to primarily manage the assets.

Lion Global Investors Ltd

65 Chulia Street, OCBC Centre #18-01, Singapore 049513

The strategic asset allocation for the year 2012 and actual investment mix of the Participating Fund as at 31 Dec
2012 is as follows:

Asset Class Strategic Allocation Actual Allocation

Equities 24% 26%
Bonds 59% 49%
Land & Buildings 10% 8%
Loans 5% 6%
Cash & Equivalent 2% 9%
Others 0% 2%
Total Assets 100% 100%

17
114
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES
FLEXILIFE (SERIES 3)
3) &
& CRITICAL
CRITICAL ILLNESS
ILLNESS PROTECTOR
PROTECTOR (SERIES
(SERIES3)
3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

The investment returns and investment expense ratio over the past 3 years were as follows:

Year Investment Return* Investment Expense Ratio#

2010 6.58% 0.20%
2011 1.54% 0.21%
2012 9.76% 0.22%

* This investment return is shown net of any investment expenses incurred in managing the Participating Fund.
#
Investment expense ratio is defined as the costs incurred in investment (which includes investment fees paid to
fund managers for providing management services of the Participating Fund) expressed as a percentage of the
size of funds under management.

Please note that past performance is not necessarily indicative of future performance.

5. Types of Risks Affecting the Level of Bonuses

The level of the bonus depends on the performance of the Participating Fund.

Key factors affecting the performance of the Participating Fund are:

• Investment returns
• Expenses incurred or allocated to the Participating Fund
• The amount of death and sickness claims paid out on policies in the Participating Fund
• The numbers of surrenders of the policies in the Participating Fund

The Company will determine the level of bonuses taking into account the current performance, the future outlook
as well as the financial soundness of the Participating Fund.

6. Sharing of Risks

Your premiums, along with those of other participating policies will be combined in one pool of assets in the
Participating Fund.

FLEXILIFE
The surrender risks are pooled and shared by all policies in the Participating Fund which include both single and
regular premium plans. The investment risks borne by your plan will be shared with other participating plans.
Other risks may be shared among products that have the same features. Examples of such risks include expense
risks, mortality risks and morbidity risks.

In determining the level of bonuses that can be supported, the assets available to back the plan will be derived by
accumulating the premiums paid at the actual rate of investment return less the expenses incurred, cost of
insurance, commissions paid and other costs that may be incurred in managing the Participating Fund.

7. Smoothing of Bonuses

Bonuses are smoothed to ensure a stable medium- to long-term return on your policy. As a result, bonuses may
be held back in good years to support the maintenance of the bonus in years when experience is less favourable.
However, the effect of smoothing is intended to be neutral over time and across generations of policyholders.

Reversionary Bonus
The Company’s bonus distribution policy is to keep the reversionary bonus at a level that is expected to be
sustainable over the medium- to long-term. Thus, whilst the reversionary bonus is reviewed annually, it is not
expected to fluctuate much from year to year. Nevertheless, there may be significant adjustments under
exceptional circumstances.

The reversionary bonus rates declared for this plan over the past three years are not available yet.

18
_________________________________________________________________________________________________ 115
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

Terminal Bonus
The terminal bonus is usually reviewed annually. In exceptional circumstances, the review may be more frequent.
The terminal bonus is more likely to change from year to year but the Company’s policy is to limit the yearly
variation so that, under normal circumstances, the payout will not be subject to large fluctuations over the short
term.

The historical terminal bonus rates declared for this plan over the past three years are not available yet.
#
Please note that past performance is not necessarily indicative of future performance.

8. Fees and Charges

This plan shares in the experience of the Participating Fund. This means that all expenses and charges relating
to the operation and management of the Participating Fund, as well as all sales related expenses can be charged
to the policy according to the risk-sharing rules described in Section 6.

Examples of such expenses include:

 Commission fees paid to agents or intermediaries
 Fees paid to fund managers for providing investment management services to the Participating Fund
 Mortality (death), morbidity (sickness), termination costs
 Management fees

Please refer to the Table of Deductions in the Benefit Illustration for more information.

Please note that fees and charges have been included in the calculation of the premium and will not be
separately charged to the policyholder.

9. Adjustments in Premium Rates

The premium rates for this plan are guaranteed.

10. Exclusions

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as
exclusions in the contract. The following is a list of some of the exclusions for this plan:

10.1 Death Benefit

If the Life Assured dies by suicide, while sane or insane, within one year from the date of issue of this policy or
from the date of reinstatement, whichever is later, this Policy will be rendered void and the Company will refund all
premiums paid to the Policyholder or to the legal personal representative of the estate of the Policyholder if the
Policyholder and the Life Assured are the same person regardless of any assignment of this Policy.

10.2 TPD Benefit

Payment will not be made for TPD resulting from:

(a) self-inflicted injury, while sane or insane;
(b) bodily injury sustained while in or on an aircraft other than
(i) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and operated
by a regular airline on a scheduled route; or
(ii) as a member of the armed forces travelling as a passenger in a military transport
aircraft; or
(c) any physical or health impairment or disease which existed but was not disclosed to the
Company at the date of issue of the Policy or at the date of any reinstatement.

19
116
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

10.3 Terminal Illness Benefit

Terminal Illness in the presence of HIV infection is excluded.

You are advised to read the policy contract for the full list of exclusions.

11. Impact of Early Surrender

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high
costs, and the surrender value may be less than the total premium paid.

Please refer to the Table of Deductions in the Benefit Illustration for the potential cost of surrendering the plan
early.

12. Update on Performance

You will receive an Annual Bonus Update that will include information about:
• A report of the performance of the Participating Fund and its future outlook;
• The bonuses allocated to your policy for that year.

You may expect to receive this information in April or May each year.

When there is a change in the rate of bonuses declared, you can request for an update of the projected total
surrender values.

13. Conflict of Interests

The board of directors is responsible for the interests of all stakeholders of the Company, including its
Participating Fund policyholders. It has put in place internal controls in the following areas where potential
conflicts may arise:

FLEXILIFE
• expenses allocated to the Participating Fund out of the total expenses incurred by the
Company;
• the investment strategy of the Participating Fund.

These controls are in place to ensure that any conflicts of interest are managed so that the impact on the
Participating Fund policyholder’s benefits in aggregate is negligible.

14. Related Party Transactions

Our primary manager of the Participating Fund, Lion Global Investors Ltd, is a related party to the Company. All
transactions with the related parties will be approved by relevant internal committee to ensure that transactions
are done at arm’s length.

15. Risks

15.1 Early surrender of policy

If you cancel your policy within the free-look period i.e. 14 days from receiving your policy document, you will get
a refund of your premiums paid less any medical fees.

If you surrender your policy after the free-look period, you may lose all or part of the premiums paid as the
surrender value payable, if any, may be less than the total premiums paid.

Purchasing a new policy may require underwriting and may result in higher premiums and/or benefits exclusions
due to your age and health status at the point of re-application.

20
_________________________________________________________________________________________________ 117
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information inaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

15.2 The worst case scenario for early surrender of policy

If you surrender your policy early, you will lose the protection that your policy provides and you will also lose all
or part of your premiums. The projected amount you will receive is reflected in the surrender value column in the
benefit illustration.

15.3 Risks that the premiums are not paid on time

If premiums are not paid on time, your policy may lapse (after 30 days grace period) depending on the net
surrender value. If the policy has sufficient net surrender value, an automatic premium loan (APL) will be
granted. If the policy lapses due to insufficient net surrender value, reinstatement of the policy is allowed within 3
years from the lapse date and usual reinstatement conditions apply.

15.4 Risks pertaining to policy lapse

You will lose the protection and any other benefits that your policy provides.

15.5 Risks that the claim will be rejected

Definitions of the events covered as per contract must be met before a claim can be approved and these events
must not fall under the list of exclusions.

Pre-existing conditions that were not disclosed where required in the proposal form for new policy or
reinstatement or increase in Sum Assured (if applicable) may result in your claim being rejected.

You are advised to read the contract for the exact definitions, terms and conditions and full list of exclusions.

15.6 Risks involved in buying a participating regular premium whole life plan

This plan provides guaranteed and non-guaranteed benefits. The guaranteed benefits will be paid regardless of
the performance of the Participating Fund. Non-guaranteed benefits are dependent on the performance of the
Participating Fund.

15.7 Bonus payment after policy is surrendered

You will receive the surrender value of declared bonuses and the applicable terminal bonus upon surrender (if
any).

16. Free Look Period

This policy may be cancelled by written request to the Company within 14 days after the Policyholder has
received the policy document in which case premiums paid less medical fees (if applicable) incurred in assessing
the risk under this policy will be refunded.

If this policy document is sent by post, it is deemed to have been delivered and received in the ordinary course of
the post 7 days after the date of posting.

17. Policy Owners’ Protection Scheme

This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required
from you. For more information on the types of benefits that are covered under the scheme as well as the limits
of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites
(www.lia.org.sg or www.sdic.org.sg).

21
118
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

18. General Information

This summary is meant for general information only. It does not serve as an insurance contract. The precise
terms and conditions of this insurance plan are specified in the policy.

You may obtain a copy of the “Your Guide to Participating Policies” from the website www.lia.org.sg or request for
hardcopies from the Company.

FLEXILIFE

22
_________________________________________________________________________________________________
119
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES
FLEXILIFE (SERIES 3)
3) &
& CRITICAL
CRITICAL ILLNESS
ILLNESS PROTECTOR
PROTECTOR (SERIES
(SERIES3)
3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART II: CRITICAL ILLNESS PROTECTOR (SERIES 3)

SECTION A: PRODUCT INFORMATION

1. INTRODUCTION
Critical Illness Protector (Series 3) can only be attached to FlexiLife (Series 3)

This rider accelerates payment of the basic policy’s Death Benefit (Basic Sum Assured plus attaching bonus,
if any) when the Life Assured is diagnosed with one of the 30 Critical Illnesses.

Critical Illness Protector Rider (Series 3) offers 2 premium payment variations as follows:
Plan Name Premium Payment Term
Critical Illness Protector 20 (Series 3) 20 years
Critical Illness Protector (Series 3) Up to 80 ANB

2. PLAN CODE
Plans Plan Code
Critical Illness Protector 20 (Series 3) T170
Critical Illness Protector (Series 3) T173

3. BENEFITS

3.1 Living Benefit

• Upon diagnosis of one of the 30 Critical Illnesses, the Death Benefit (partial or full) from the
basic policy, will be accelerated and paid out in one lump sum. Thereafter, this rider will be
terminated. The amount of accelerated Death Benefit equals to the Sum Assured of this rider
plus proportional attaching bonus of the basic policy, if any, will be payable.
• The balance of the total Death Benefit of the basic policy, if any, will be payable on death and
the premiums based on the balance of the basic policy Sum Assured will continue to be payable
from the next policy anniversary following the diagnosis of the Critical Illness.

Exceptions
§ For Angioplasty & Other Invasive Treatment for Coronary Artery (“Angioplasty”), the basic sum
assured equal to 10% of the rider sum assured (up to a maximum of $25,000 per life assured)
together with any bonuses applicable to the rider sum assured will be payable if the life assured
undergoes a treatment. After a claim is paid, the balance of the rider sum assured and balance
of the basic sum assured with reduced premiums will continue. No benefit for Angioplasty will be
payable for subsequent treatments under this and any other policies and riders covering
Angioplasty.

Exclusions
The company will not pay any benefits:
(a) If there was a pre-existing Critical Illness which is the same Critical Illness that is the subject of a
claim under this Rider:
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other
Invasive Treatment for Coronary Artery if the diagnosis of any of these four Critical Illnesses was
made within 90 days from:
(1) the date of issue of the policy or this rider; or
(2) the date of reinstatement of the policy and this rider, whichever is the later
date.
(c) for any Critical Illness which resulted either directly or indirectly from self
inflicted injuries, while sane or insane.

23
120
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

4. POLICY VALUES
Critical Illness Protector (Series 3) is a non-participating rider. Therefore the following are not applicable:
i. Cash Surrender Value
ii. Automatic Premium Loan (APL)
iii. Reduced Paid Up Values
iv. Extended Term Assurance (ETA)
v. Policy Loan

5. UNDERWRITING AND ISSUANCE REQUIREMENTS

5.1 Eligibility
Singapore Citizens and Singapore Permanent Residents are eligible for the policy.
The policy can be issued to foreigners, subject to latest underwriting guidelines issued by New
Business Department.

5.2 Age at Entry

Plans Min Max
Critical Illness Protector 20 (Series 3) 55 ANB
1 ANB
Critical Illness Protector (Series 3) 65 ANB

For foreigners
Plans Min Max
Critical Illness Protector 20 (Series 3) 52 ANB
1 ANB
Critical Illness Protector (Series 3) 62 ANB

5.3 Policy Term

Whole of Life

5.4 Sum Assured

Min Max

FLEXILIFE
$10,000 Basic Sum Assured of the policy to which this rider is
attached to or $1,000,000 (inclusive of other living
assurance cover offered by GEL), whichever is lower.

However, if the Rider’s Sum Assured is lower than the Basic

Policy’s Sum Assured, the difference must be at least the
minimum Sum Assured of the basic policy, i.e. $20,000

5.5 Rider Attachment Matrix

Critical Illness Protector (Series 3) can only be attached to FlexiLife (Series 3).

Payment term of Critical Illness Protector (Series 3) must be equal or longer than that of the basic
policy, provided maximum age at entry of the rider has not been exceeded.

Below is the product-rider matrix for FlexiLife (Series 3) and Critical Illness Protector (Series 3):
Critical Illness Protector 20 Critical Illness Protector
(Series 3) (Series 3)
FlexiLife 20 (Series 3) Yes Yes
FlexiLife (Series 3) No Yes

5.6 Non-Medical Limits & Financial Underwriting

Please make reference to the latest underwriting guidelines issued by New Business Underwriting.

5.7 Backdating
The backdating conditions follow that of the basic policy to which this rider is
attached.
24
_________________________________________________________________________________________________
121
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer toin
not to be reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

5.8 Restrictions
All restrictions, including the issuing of the policy to housewives, juveniles and members of the
Armed Forces, are subject to the latest underwriting guidelines issued by New Business
Department.

6. POLICY CONDITIONS

6.1 Lien Clause for Children

If the Life Assured is diagnosed with one of the 30 Critical Illnesses before turning 1 year old, 20% of
the living benefit shall be payable in one lump sum and the rider will terminate.

6.2 Third Party

Follow those conditions of the basic policy to which this rider is attached.

6.3 Reinstatement
Follow those conditions of the basic policy to which this rider is attached.

6.4 Assignment of Policy

Follow those conditions of the basic policy to which this rider is attached.

7. PREMIUMS

7.1 Premium
Premium rates for Critical Illness Protector (Series 3) are level but not guaranteed. The rates may be
revised in the future according to the experience of the Company.

7.2 Premium Rates

Premiums vary according to age at entry, gender and smoking habit.

7.3 Premium Payment Term

Plans Premium Payment Term
Critical Illness Protector 20 (Series 3) 20
Critical Illness Protector (Series 3) Up to 80 ANB

7.4 Premium Source

Only Cash is allowed for this rider.

7.5 Premium Payment Method and Modal Factor

Follows the basic policy to which this rider is attached

7.6 Premium Loading

Premium loading will be subject to existing underwriting rules.

7.7 Discount

7.7.1 Large Sum Assured Discount

Nil

7.7.2 Female Discount

Nil

7.7.3 Non-Smoker Discount

Distinct Smoker and Non Smoker rates apply.

25
122
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

8. SAMPLE PREMIUM RATES

8.1 Non-Smoker rates

Male, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

Critical Illness Protector 20 Critical Illness Protector
ANB
(Series 3) (Series 3)
1 $3.40 $1.43
10 $4.30 $1.85
20 $5.22 $2.64
30 $6.44 $3.98
40 $8.18 $6.41
50 $11.27 $11.01

Female, Non-Smoker, Annual Premium Rate per $1,000 Sum Assured

Critical Illness Protector 20 Critical Illness Protector
ANB
(Series 3) (Series 3)
1 $3.54 $1.59
10 $4.29 $2.11
20 $5.68 $3.06
30 $7.36 $4.54
40 $9.24 $6.92
50 $11.18 $10.48

8.2 Smoker rates

Male, Smoker, Annual Premium Rate per $1,000 Sum Assured

Critical Illness Protector 20 Critical Illness Protector

FLEXILIFE
ANB
(Series 3) (Series 3)
1 $4.36 $1.91
10 $5.56 $2.53
20 $6.92 $3.69
30 $8.57 $5.68
40 $10.95 $9.39
50 $15.95 $16.66

Female, Smoker, Annual Premium Rate per $1,000 Sum Assured

Critical Illness Protector 20 Critical Illness Protector
ANB
(Series 3) (Series 3)
1 $4.53 $2.12
10 $5.53 $2.88
20 $7.38 $4.25
30 $9.61 $6.41
40 $12.26 $9.89
50 $14.85 $14.76

26
_________________________________________________________________________________________________
123
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and isof
contract
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

9. GUIDE TO PRODUCT INVESTMENT RISK CLASSIFICATION / CLIENT INVESTMENT

RISK PROFILE MATCH
Client All Risk Conservative Moderately Moderately Aggressive
Investment Profiles: Conservative Aggressive
Risk Profile Conservative,
Moderately
Conservative,
Moderately
Aggressive,
Aggressive
Product N.A. Lower Low to Medium to Higher
Investment (Pure (Generally Medium High (Generally
Risk Protection with 50% or (Generally (Generally with no
Classification without or little more capital with less than with no guarantee,
cash value) guarantee) 50% capital guarantee; higher
guarantee) moderate volatility)
volatility)
Critical Illness
Protector 20
(Series 3)
ü
Critical Illness
Protector
(Series 3)
ü
Note: For plans with riders, the final Product Investment Risk will be based on the Higher Risk Classification of
either the basic plan or the rider.

10. AGENCY COMPENSATION

10.1 Basic Commission

Plan Name Premium Basic Commission (as percentage of the premium)
Payment
Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
Critical Illness
Protector 20 20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
(Series 3)
Critical Illness 15 30.00% 10.00% 5.00% 5.00% 5.00% 5.00%
Protector 16 32.00% 11.00% 5.00% 5.00% 5.00% 5.00%
(Series 3) 17 34.00% 12.00% 5.00% 5.00% 5.00% 5.00%
18 36.00% 13.00% 5.00% 5.00% 5.00% 5.00%
19 38.00% 14.00% 5.00% 5.00% 5.00% 5.00%
20 40.00% 15.00% 5.00% 5.00% 5.00% 5.00%
21 42.00% 17.00% 5.00% 5.00% 5.00% 5.00%
22 44.00% 19.00% 5.00% 5.00% 5.00% 5.00%
23 46.00% 21.00% 5.00% 5.00% 5.00% 5.00%
24 48.00% 23.00% 5.00% 5.00% 5.00% 5.00%
25 &
50.00% 25.00% 5.00% 5.00% 5.00% 5.00%
above

10.2 Threshold Commission

The prevailing agency compensation structure that is effective on the effective date of the policy.

27
124
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SECTION B: SAMPLE BENEFIT ILLUSTRATION & PRODUCT SUMMARY

CRITICAL ILLNESS PROTECTOR 20 (SERIES 3) (BENEFIT ILLUSTRATION)

Plan: Critical Illness Protector 20 (Series 3)

Sum Assured: $100,000
Annual Premium: $644.00 (M:$55.30 Q:$165.85 H:$328.45)
Rider Term: Whole of Life
Payable For: 20 years

End of
Total Premiums Paid Total Distribution Cost Total Guaranteed
Policy
To-date (S$) To-date (S$) Death Benefit (S$)
Year/Age
1/31 644.00 560 -
2/32 1,288.00 746 -
3/33 1,932.00 806 -
4/34 2,576.00 841 -
5/35 3,220.00 875 -
6/36 3,864.00 910 -
7/37 4,508.00 910 -
8/38 5,152.00 910 -
9/39 5,796.00 910 -
10/40 6,440.00 910 -
15/45 9,660.00 910 -
20/50 12,880.00 910 -
25/55 12,880.00 910 -

FLEXILIFE
30/60 12,880.00 910 -
35/65 12,880.00 910 -
40/70 12,880.00 910 -

This rider does not have any surrender value throughout the entire term.

Please note that the premium rates for this rider are not guaranteed. These rates may be adjusted
based on future experience.

28
_________________________________________________________________________________________________
125
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

CRITICAL ILLNESS PROTECTOR 20 (SERIES 3) (PRODUCT SUMMARY)

1. Plan Description

This is a Whole Life rider that provides lifetime insurance protection against Critical Illnesses. The premiums shall
be payable for a limited premium payment term of 20 years. This rider sum assured can be less than or equals to
the basic sum assured.

2. Benefits under the Plan

(Subject to a maximum Sum Assured of S$1,000,000 on any policies or riders issued by the Company on the
same Life Assured)

This rider accelerates the payment of the basic sum assured equal to the rider sum assured together with any
bonuses applicable to the rider sum assured, in one lump sum in the event that the Life Assured is diagnosed to
be suffering from any one of the 30 Critical Illnesses listed below:

(1) Heart Attack (16) Heart Valve Surgery

(2) Stroke (17) Loss of Speech
(3) Coronary Artery By-Pass Surgery (18) Major Burns
(4) Major Cancers (19) Surgery to Aorta
(5) Kidney Failure (20) Apallic Syndrome
(6) Fulminant Hepatitis (21) Muscular Dystrophy
(7) Major Organ/ Bone Marrow Transplantation (22) End Stage Lung Disease
(8) Encephalitis (23) End Stage Liver Failure
(9) Multiple Sclerosis (24) Motor Neurone Disease
(10) Primary Pulmonary Hypertension (25) Parkinson's Disease
(11) HIV Due to Blood Transfusion and Occupationally (26) Aplastic Anaemia
Acquired HIV (27) Benign Brain Tumour
(12) Alzheimer's Disease/ Severe Dementia (28) Major Head Trauma
(13) Progressive Scleroderma (29) Bacterial Meningitis
(14) Coma (30) Angioplasty & Other Invasive Treatment
(15) Deafness (Loss of Hearing) for Coronary Artery

In the event the Life Assured contracts a Critical Illness before turning age 1, the Company shall pay 20% of the
amount of the benefits payable and this rider shall terminate.

The balance of the basic sum assured, if any, will be payable on death or TPD and the premiums based on the
balance of the basic sum assured shall continue to be payable from the next policy anniversary following the
diagnosis of the Critical Illness.

With effect from 1 July 2003, the insurance industry has adopted common definitions for all Critical Illnesses.
This means that each illness covered will be defined the same way by all insurance companies. You are advised
to refer to the policy contract for definition and details of the above Critical Illnesses.

For Angioplasty & Other Invasive Treatment For Coronary Artery ("Angioplasty"), the basic sum assured equal to
10% of the rider sum assured (up to a maximum of $25,000 per Life Assured) together with any bonuses
applicable to the rider sum assured will be payable if the Life Assured undergoes a treatment. After a claim is
paid, the balance of the rider sum assured and balance of the basic sum assured with reduced premiums will
continue. No benefit for Angioplasty will be payable for subsequent treatments under this and any other policies
and riders covering Angioplasty.

3. Adjustments in Premium Rates

The premium rates for this rider are not guaranteed. These rates may be adjusted based on future experience.

The Company may amend the premium rates at any time with at least 45 days before the premium due date at
which the amended rates will apply.
29
126
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timeforofpublic
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandfor iswhatever
strictly for internalThis
purposes. circulation
is not a only and of
contract is
insurance.
not to be Please refer to in
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution to including the exclusions
Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4. Exclusions

The Company will not pay any benefits:

(a) if there was a Pre-existing Critical Illness which is the same Critical Illness which is the subject of a
claim under this Rider;
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other Invasive
Treatment For Coronary Artery if the diagnosis of any of these four Critical Illnesses was made within
90 days from:
(i) the date of issue of the Policy or this Rider; or
(ii) the date of reinstatement of the Policy and this Rider, whichever is the later date; or
(c) for any Critical Illness which resulted either directly or indirectly from self-inflicted injuries of the Life
Assured.

There are certain conditions whereby the benefits under this plan will not be payable. These are stated as
exclusions in the contract. You are advised to read the policy contract for the full list of exclusions.

5. Policy Owners’ Protection Scheme

This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required
from you. For more information on the types of benefits that are covered under the scheme as well as the limits
of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites
(www.lia.org.sg or www.sdic.org.sg).

Note: This summary is meant for general information only. It does not serve as an insurance contract.
The precise terms and conditions of this insurance plan are specified in the policy.

FLEXILIFE

30
_________________________________________________________________________________________________
127
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES
FLEXILIFE (SERIES 3)
3) &
& CRITICAL
CRITICAL ILLNESS
ILLNESS PROTECTOR
PROTECTOR (SERIES
(SERIES 3)
3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART III: SAMPLE POLICY CONTRACTS & ENDORSEMENTS

(1) Terms & Conditions for Life Insurance Contract

Clauses

1. Varying of this Contract of Insurance

1.1 This Policy may only be varied if the Company consents in writing. The Policyholder’s and the Life
Assured’s statements made when applying for this Policy will be taken to be representations and not
warranties, unless there is fraud. Any subsequent endorsement made by the Company will take effect
from the date of the endorsement.
1.2 The Company may from time to time determine the manner in which this Policy is varied by way of an
endorsement to this Policy document.

2. Residence, Occupation and Travel

This Policy is free from restrictions as regards to residence, occupation and travel.

3. Free Look
3.1 This Policy may be cancelled by written request to the Company within 14 days after the Policyholder
receives this Policy document in which case premiums paid less medical fees incurred in assessing the
risk under this Policy will be refunded.
3.2 If this Policy document is sent by post it is deemed to have been delivered and received in the ordinary
course of the post 7 days after the date of posting.

4. Indisputability
The Company will not dispute the validity of this Policy during the lifetime of the Life Assured after one year from
the date of issue, or date of reinstatement of this Policy, whichever is later, unless there is fraud or non-payment
of premiums.

5. Premiums
5.1 The Policyholder has to pay all premiums on or before the due dates without any need for the Company
to inform him that a premium is due.
5.2 This Policy will continue to be in force as long as the premiums are paid annually in advance. The
Company will allow the premiums to be paid by half-yearly, quarterly or monthly instalments.
5.3 If there is a claim made on this Policy, the Company will deduct any future instalments needed to
complete the full year’s premium from the claim proceeds.

6. Confirmation of Age
6.1 The Policyholder must prove the date of birth of the Life Assured to the Company before the Company is
required to pay any benefit under this Policy.
6.2 If the Life Assured’s age is understated, the Company will pay the sum assured that the premium paid
would have bought according to the rate at the actual age, and not the sum assured stated in the
Schedule. If the Life Assured’s age is overstated, the Company will refund any excess of premium paid.

31
128
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

7. Surrender Value
After this Policy has acquired a surrender value, the Company will pay the surrender value to the Policyholder if
he surrenders this Policy. If the Policyholder owes a debt under the Policy, this sum will be deducted from the
surrender value and the Company will pay the balance sum. Once the Policy has acquired a surrender value, the
following may happen, with regard to the Policy:
7.1 Loans
7.1.1 The Company will provide the following types of loans:
7.1.1.1 the Policyholder may apply to the Company for cash loans which the Company may
grant to the Policyholder, the amount of which will be quoted by the Company on
application by the Policyholder; or
7.1.1.2 if the Policyholder fails to pay a premium within the grace period as provided in Days of
Grace clause, this Policy will not lapse but:
(a) the Company will automatically grant an automatic premium loan (“APL”) equal to
the unpaid premium. However, at the due date of the unpaid premium, the surrender
value less any amount owed under this Policy (“net surrender value”) must be more
than or equal to the unpaid premium. This Policy will continue until the next premium
due date; or
(b) the Company will automatically grant an APL equal to the net surrender value if it is
less than the unpaid premium. This Policy will continue for a pro-rated period, in
proportion to the APL granted as it relates to the unpaid premium. This Policy will
lapse at the end of the pro-rated period.
The unpaid premium includes premiums payable for all supplementary benefits
stated in the Schedule of Supplementary Benefits of this Policy.
7.1.2 The Company will charge interest on the above loan amount(s) at interest rates to be
determined by the Company from time to time. Any unpaid interest will form part of the loan so
long as the surrender value of this Policy allows. This Policy will lapse if the total loan amount
owed is more than the surrender value of this Policy.

FLEXILIFE
7.1.3 Any loan or any part of any loan may be repaid while this Policy is in force. If there is no
indication how the repayment amount is to be used, the Company will first use that amount in
payment of any APL. If there is no APL, then the Company will use that amount to pay any
unpaid premiums or any cash loan, in that order of priority.
7.1.4 Any outstanding loan under this Policy is a first charge against this Policy until it is repaid. If
there is a claim under this Policy, any sum owed will be deducted from the claim proceeds
before payment is made.
7.2 Paid-up Assurance
7.2.1 The Policyholder may apply to the Company for a paid up assurance which the Company will
grant, with a reduced sum assured, without the need for the Policyholder to pay any more
premiums.
7.2.2 Any debt owed to the Company under this Policy will be deducted from the surrender value
before the conversion into a paid-up assurance.

32
_________________________________________________________________________________________________
129
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

7.3 Extended Term Assurance

The Policyholder may apply to the Company for an extended term assurance for the full sum assured.
The duration of the extended term assurance will be as follows:
(i) if this Policy is a Whole Life policy, the duration of the insurance will be what the net surrender
value will purchase at the age of the Life Assured on the date of the application; or
(ii) if this Policy is an Endowment policy and the net surrender value is not enough to continue the
extended term assurance up to the maturity date, the duration of the insurance will be what the
net surrender value will purchase at the age of the Life Assured on the date of the application; or
(iii) if this Policy is an Endowment policy and the net surrender value is enough to continue the
extended term assurance up to the maturity date, the duration of the insurance will be up to the
maturity date; or
(iv) if this Policy is an Endowment policy and the net surrender value is more than enough to
continue the extended term assurance up to the maturity date, the Company will use the excess
of the net surrender value to purchase a paid-up pure endowment for an amount which will be
paid on the maturity date, if the Life Assured is still alive.

8. Reversionary Bonus
8.1 If this Policy is a participating policy as shown in the Schedule, it will be entitled to any reversionary
bonus declared by the Company. The Company usually declares a reversionary bonus each year. The
Company does not guarantee that it will declare a reversionary bonus every year.
8.2 A reversionary bonus is a bonus to be added to the Basic Sum Assured. This is payable upon the
maturity of this Policy (where applicable) or upon the death of the Life Assured, whichever event
occurring first.
8.3 Any reversionary bonus decided for this Policy will only take effect after 3 years from the date of
commencement of this Policy or otherwise as decided by the Company and made effective, in
accordance with the varying of this Contract of Insurance clause.
8.4 The Policyholder may surrender any reversionary bonus declared for its cash value after the Policy has
been in force for 3 years from the date of commencement of this Policy or otherwise as decided by the
Company.
8.5 If this Policy is a non participating policy as shown in the Schedule, it will not be entitled to any
reversionary bonus.

9. Terminal Bonus
9.1 If this Policy is a participating policy as shown in the Schedule, this Policy may be entitled to a terminal
bonus. The amount of terminal bonus payable will be determined by the Company at its absolute
discretion. It will only be payable once and is not guaranteed.
9.2 The terminal bonus is payable upon the maturity of this Policy (where applicable) or upon surrender of
this Policy or upon the death of the Life Assured, whichever event occurring first.
9.3 If this Policy is a non-participating policy as shown in the Schedule, it will not be entitled to any terminal
bonus.

10. Days of Grace

10.1 The Policyholder has 30 days (“the grace period”) from the due date of the premium to pay the renewal
premium.
10.2 If the Life Assured dies during the grace period before the premium is paid, this Policy will be as valid
and effective as though the premium has been paid. However, the Company will deduct all unpaid
premium installments needed to complete one full year’s premium, from the claim proceeds.

33
130
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

10.3 This Policy will lapse and be null and void if there are still unpaid premiums at the end of the grace
period and the Company will forfeit any premiums paid unless this Policy has acquired a surrender value
as provided for in the Surrender Value clause.

11. Suicide
If the Life Assured dies by suicide, while sane or insane, within one year from the date of issue of this Policy or
from the date of any reinstatement, whichever is later, this Policy will be rendered void and the Company will
refund all premiums paid to the Policyholder or to the legal personal representative of the estate of the
Policyholder if the Policyholder and the Life Assured are the same person regardless of any assignment of this
Policy.

12. Reinstatement
If this Policy lapses under the Surrender Value clause or the Days of Grace clause, the Policyholder may
reinstate it within 3 years from the date of lapsing, at the option of the Company, subject to the following
conditions:
(a) the Policyholder gives evidence of insurability satisfactory to the Company and if any medical reports or tests
are required by the Company, the Policyholder will have to pay for these medical reports and tests;
(b) the Policyholder has to inform the Company of any change in the health of the Life Assured or any
circumstances that may affect the health of the Life Assured up to the date of reinstatement of this Policy;
(c) the Policyholder pays all unpaid premiums and any interest charged by the Company which have
accumulated up to the date of reinstatement; and
(d) the Policyholder makes full repayment of all loans due to the Company with accumulated interest, including
any other interest if any, charged by the Company.

13. Notice of Assignment

A written notice of assignment or charge on this Policy only binds the Company, if it is delivered to the Company

FLEXILIFE
at its head office or its branch offices. The Company is not responsible for the validity of any assignment or
charge by just acknowledging the notice.

14. Notices and Correspondence

14.1 Any request, notice, instruction or correspondence required under this Policy whether to the Company or
the Policyholder has to be in writing and will be delivered personally or sent by courier, or by post, or
facsimile transmission or electronic mail addressed to the addressee or by any other means as approved
or adopted or accepted by the Company. For the Policyholder, the mailing address is that stated in the
proposal or any other address that the Policyholder has informed the Company in writing.
14.2 The Company’s notice, request, instruction or correspondence is presumed to be received:
(a) in the case of a letter, on the 7th day after posting if posted locally, and on the 14th day after
posting, if posted overseas;
(b) in the case of personal delivery or delivery by courier, on the day of delivery;
(c) in the case of a facsimile transmission or electronic mail, on the business day immediately
following the day of despatch; or
(d) in the case of other means as approved, adopted or accepted by the Company, on the day that
the Company decides is reasonable to receive the notice, request, instruction or
correspondence.

34
131
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
for iswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

15 Governing Law
This Policy will be governed by the laws of Singapore and the Courts of Singapore have exclusive jurisdiction for
any disputes arising out of this Policy.

16 Exclusion of the Contracts (Rights of Third Parties) Act Cap. 53B

A person who is not a party to this Policy shall have no right under the Contracts (Rights of Third Parties) Act
53B to enforce any of its terms.

------------------------------------------------------------- End of page -----------------------------------------------------------

36
132
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandfor iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(2) Policy Owners’ Protection Scheme

Endorsement No. 642 (PPF-1)

GREAT EASTERN LIFE

ENDORSEMENT NO. 642 (PPF-1)

POLICY OWNERS’ PROTECTION SCHEME

1. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required
from you. For more information on the types of benefits that are covered under the scheme as well as the limits
of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites
(www.lia.org.sg or www.sdic.org.sg).

---------------------------------------------------------------- End of page --------------------------------------------------------

FLEXILIFE

35
_________________________________________________________________________________________________
133
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(3) Total & Permanent Disability Benefit Endorsement

Endorsement No. 639 (TPD-3)

GREAT EASTERN LIFE

ENDORSEMENT NO. 639 (TPD-3)

TOTAL AND PERMANENT DISABILITY BENEFIT

1 DEFINITIONS
“Disability Benefit” means the Basic Sum Assured shown in the Schedule to the Policy minus any lien.
“Bonuses” means any reversionary bonuses and terminal bonuses which would have been payable had the Life
Assured died on the day he becomes totally and permanently disabled as defined in clause 3 below.
“Date of Commencement” refers to the Date of Commencement shown in the Schedule to the Policy.
“Medical Practitioner” means a surgeon or physician qualified by degree in Western Medicine, who is legally
and duly qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy Anniversary” refers to any anniversary of the Date of Commencement.
“TPD” means such total and permanent disability as defined in clause 3 below.

2 BENEFITS
While the Policy is in force, if the Life Assured suffers from TPD, the Company will pay the Disability Benefit and
the Bonuses in one lump sum and the Policy will terminate, subject to the following conditions:
(a) The Life Assured’s disability under clause 3.1(a) must occur before the Policy Anniversary on which his age
next birthday is 65 years.
(b) All outstanding instalments of premiums up to the Policy Anniversary following the date on which the Life
Assured suffers from the TPD and any cash or automatic loan(s) will be deducted from the total of Disability
Benefit and the Bonuses before the balance amount is paid.
(c) The total amount of the sum assured for the payment of the Disability Benefit to be made by the Company is
limited to $2,000,000/- under this and all policies and riders issued by the Company on the same Life
Assured, giving similar benefits.
(d) Notwithstanding anything to the contrary in this Endorsement, if the Life Assured is less than 1 year old
when he suffers from TPD, the Company will only pay 20% of the Disability Benefit in 1 lump sum (“1 lump
sum”) including the Bonuses applicable to the 1 lump sum and this Policy will terminate.
(e) The definition of TPD sub-clause 3.2 only applies when the Life Assured is 15 years old or less at the time
he suffers from the TPD, otherwise the definition of TPD in sub-clause 3.1 will apply.

3 DEFINITION OF TOTAL AND PERMANENT DISABILITY

3.1 Applicable when the Life Assured is more than 15 years old
The disability is total and permanent only if the Life Assured suffers from a state of incapacity which is total
and permanent and:
(a) which is such that there is not at that time, nor at any time thereafter, any work, occupation or profession
which the Life Assured can ever perform or follow sufficiently to earn or obtain any wage, remuneration
or profit; or
(b) which 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

36
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(iii) total and irrecoverable loss of the sight in one eye and total and irrecoverable loss of the use of one
limb at or above the wrist or ankle.
3.2 Applicable when the Life Assured is 15 years old or less
The disability is total and permanent only if the Life Assured suffers from a state of incapacity which is total
and permanent and:
(a) which is such that the Life Assured has been confined to a home, hospital or other institution requiring
constant care and medical attention for at least 6 consecutive months; or
(b) which 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 the use of one
limb at or above the wrist or ankle.

4 EXCEPTIONS
Payment of the Disability Benefit will not be made for TPD resulting from:
(a) self-inflicted injury, while sane or insane;
(b) bodily injury sustained while in or on an aircraft other than
(ii) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and
operated by a regular airline on a scheduled route or
(iii) as a member of the armed forces travelling as a passenger in a military transport aircraft;
(c) any physical or health impairment or disease which existed but was not disclosed to the Company at the
date of issue of the Policy or at the date of any reinstatement.

FLEXILIFE
5 CONDITIONS
5.1 The Policyholder must notify the Company in writing of any claim as soon as it is practicable. In any case,
the Policyholder must produce satisfactory proof of the TPD on forms furnished by the Company within six
months from the Date of Commencement of the TPD.
5.2 If required by the Company, the Life Assured must undergo medical examination by a Medical Practitioner
appointed by the Company in connection with the alleged TPD.
5.3 The Company will not be liable if there is a failure to comply with any of the above conditions.
5.4 All valid claims under this Endorsement will extinguish other rights and options, values and benefits under
the Policy, including benefits payable on survival of the Life Assured.

6 CANCELLATION
This Endorsement is cancelled if the Policy:
(a) is converted into a paid-up or extended term assurance; or
(b) lapses or is surrendered or is otherwise terminated.

---------------------------------------------------------------- End of page --------------------------------------------------------

37
_________________________________________________________________________________________________
135
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospects and
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT
(PRODUCT INFORMATION
INFORMATION PACK)
PACK)

(4) Terminal Illness Benefit

Endorsement No. 659 (TI-3)

GREAT EASTERN LIFE

ENDORSEMENT NO. 659 (TI-3)

1. DEFINITIONS
"Basic Sum Assured" refers to the Basic Sum Assured shown in the Schedule to the Policy.
“Bonuses” means any reversionary bonuses and terminal bonuses which would have been payable had the
Life Assured died on the day that he is diagnosed with Terminal Illness.
"Medical Practitioner" means a surgeon or physician qualified by degree in Western Medicine, who is legally
and duly qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy Anniversary” means any anniversary of the Date of Commencement stated in the Schedule to the
Policy.
“Terminal Illness” refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life
Assured within 12 months of the diagnosis. Terminal illness in the presence of HIV infection is excluded.

2. BENEFITS
2.1 If the Life Assured is diagnosed with a Terminal Illness, the Company will pay the Basic Sum Assured and
the Bonuses in one lump sum and the Policy will terminate.
2.2 All outstanding instalments of premiums up to the Policy Anniversary following the date on which the Life
Assured is diagnosed with a Terminal Illness and any cash or automatic loan(s) will be deducted from the
benefit payable before the balance amount is paid.

3. CONDITIONS
3.1 The Policyholder must notify the Company of any claim in writing as soon as it is practicable.
3.2 The Terminal Illness must be diagnosed by a registered Medical Practitioner and must be supported by
clinical, radiological, histological and laboratory evidence acceptable to the Company.
3.3 All medical reports or any other evidence required by the Company for any claim must be furnished at the
Policyholder's expense.
3.4 If required by the Company, the Life Assured must undergo medical examination by the Medical Practitioner
appointed by the Company. If the Life Assured refuses to undergo the medical examination by the Medical
Practitioner, the Company reserves the right not to pay the Basic Sum Assured.
3.5 The Company will not be liable if there is a failure to comply with any of the above conditions.
3.6 All valid claims under this Endorsement will extinguish other rights and options, values and benefits under
the Policy, including benefits payable on survival of the Life Assured.

4. CANCELLATION
The Endorsement is cancelled if the Policy:
(a) is converted into a paid-up or extended term assurance; or
(b) lapses, or is surrendered or is otherwise terminated.

39
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(5) Surrender Values

Endorsement No. 143 (GSV)

GREAT EASTERN LIFE

ENDORSEMENT NO. 143 (GSV)

SURRENDER VALUES

1. The surrender values referred to in the Clauses are shown in the table below, which do not include bonuses.
These values are based on the assumption that premiums have been paid to the end of the policy years shown.
If premiums are paid for part of a year, the surrender values will be adjusted in proportion.

2. In the table below, Policy Year “1” starts on the Date of Commencement shown in the Schedule to the Policy and
ends on the day before the first anniversary of the Date of Commencement. A subsequent policy year will start
on an anniversary of the Date of Commencement and end on the day before the next anniversary.

Surrender Values per $ 1,000 Basic Sum Assured

----------------------------------------------------------- End of page -------------------------------------------------------------

FLEXILIFE

39
_________________________________________________________________________________________________
137
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(6) Endorsement for Limited-Pay

Endorsement No. 326 (RPTGTB)

GREAT EASTERN LIFE

ENDORSEMENT NO. 326 (RPTGTB)

1. DEFINITIONS

“Policy” means the Policy to which this Endorsement is attached.

“Riders” refers to any riders attached to this Policy whether attached to this Policy upon issue of this Policy or
after the issue of this Policy.

“Expiry Date” refers to the expiry date of Riders referred to in clause 2(a) as set out in the Schedule of
Supplementary Benefits.

2. PREMIUM TERM OF RIDER

Notwithstanding the premium clause and termination clause in the Riders:

(a) the premiums payable for all the Riders are payable until the Expiry Date of the Riders or until the end of
the premium term of the Riders, whichever is applicable; and

(b) the Riders will not terminate even if the premiums payable for this Policy ceases on this Policy becoming a
fully paid-up assurance, but will terminate on the Expiry Date or at the end of premium term of the Riders,
whichever is applicable.

--------------------------------------------------------------------- End of page ---------------------------------------------------

40
138
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
not to be reproduced,
insurance. Please refer toin
thewhole
Policyor part, for for
Document public / external
the precise distribution
Terms & Conditions,to Policyholders or prospects
including the exclusions of the for whatever
insurance plan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(7) Critical Illness Protector 20

GREAT EASTERN LIFE

CRITICAL ILLNESS PROTECTOR 20

1. DEFINITIONS
“Condition” refers to Critical Illness.
“Critical Illness” means any of the critical illnesses specified and defined in clause 4 below.
“Medical Practitioner” means a surgeon or physician qualified by degree in Western Medicine, who is legally
and duly qualified to practise medicine and surgery and authorised in the geographical area of his practice.
“Policy” means the policy to which this Rider is attached.
“Pre-existing Critical Illness” means a Critical Illness for which prior to the commencement of this insurance or
date of any reinstatement of the Policy and this Rider:
(a) symptoms of the Critical Illness existed that would cause an ordinarily prudent person to seek diagnosis,
care or treatment; or
(b) medical advice or treatment was recommended by or received from a Medical Practitioner.
“TPD Endorsement” means Endorsement No. 639 (TPD-3), attached to the Policy.

2. PREMIUM
2.1 The premium payable for this Rider is shown in the Schedule of Supplementary Benefits. It is payable at the
same interval and on the same dates as the Basic Life Premium shown in the Schedule. The premium is payable
for a period of 20 years from the Date of Commencement stated in the Schedule.
2.2 This Rider forms part of the Policy and is valid only if the Policy is valid. It will not participate in the profits of the
Company and will not acquire a surrender value.
2.3 Amendment of Premium Rates

FLEXILIFE
2.3.1 The Company may amend the rates of premium at any time provided that the amended rates apply to all
riders of this class of insurance and the Policyholder has been notified of the amendments at least 45 days
before the premium due date at which time the amended rates will apply.
2.3.2 The amended rates will apply according to the age next birthday of the Life Assured at the date of
commencement of assurance under this Rider.

3. BENEFIT
3.1 Subject to this Rider

If the Life Assured is diagnosed with a Critical Illness, the Company will pay the Amount of Benefits for this
Rider stated in the Schedule of Supplementary Benefits (“the Amount of Benefits”), subject to sub-clause 3.3.
In addition, the Company will also pay any bonuses applicable to that part of the Basic Sum Assured stated
in the Schedule which is equal to the Amount of Benefits. However, if the Life Assured is less than 1 year old
when the diagnosis of the Critical Illness is made, the Company will pay a percentage of the Amount of
Benefits as shown in the table below, which is equal to the percentage of the Amount of Benefits paid out
under this sub-clause.

Age Next Birthday Benefit

1 20% of Amount of Benefit

Full cover will be given from age 2 next birthday; or

3.2 After a claim is paid, the Basic Sum Assured stated in the Schedule will be reduced by the Amount of
Benefits. The Company will determine the new premium payable for the reduced Basic Sum Assured. Where

42
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3.2 After a claim is paid, the Basic Sum Assured stated in the Schedule will be reduced by the Amount of
Benefits. The Company will determine the new premium payable for the reduced Basic Sum Assured. Where
the Amount of Benefits is equal to the Basic Sum Assured, the Policy and any attaching riders will terminate
upon the claim.

3.3 Benefit for Angioplasty & Other Invasive Treatment For Coronary Artery

3.3.1 If the Life Assured undergoes Angioplasty & Other Invasive Treatment For Coronary Artery
(“Coronary Angioplasty”) as defined in clause 4(30) below, the Company will pay 10% of the Amount
of Benefits (“the Angioplasty amount”) which is equal to 10% of the Amount of Benefits paid out
under this sub-clause. In addition, the Company will also pay any bonuses applicable to that part of
the Basic Sum Assured stated in the Schedule which is equal to 10% of the Amount of Benefits,
subject to the following conditions:

(a) The Company will not pay any benefit under this sub-clause 3.3 for any future Coronary
Angioplasty undergone by the Life Assured.
(b) After a claim is paid under this sub-clause 3.3, the Amount of Benefits will be reduced by the
Angioplasty amount (“the reduced Amount of Benefits”) and the Basic Sum Assured stated in
the Schedule will likewise be reduced by the Angioplasty amount (“reduced Basic Sum
Assured”). The Company will determine the new premium payable for the reduced Amount of
Benefits and the reduced Basic Sum Assured.
(c) The Company will only pay the reduced Amount of Benefits for any other Critical Illness
subsequently suffered by the Life Assured.
(d) The total amount of sum assured for the payment of the benefit for Coronary Angioplasty made
by the Company must not be more than $25,000 under this Rider and all policies and riders on
the Life Assured providing for benefits payable for Coronary Angioplasty.
3.3.2 Once the Company has paid benefits for Coronary Angioplasty under the other policies and riders on
the same Life Assured up to the limit of $25,000 stated in sub-clause 3.3.1(d) above, the Company
will not pay the benefit under this Rider for Coronary Angioplasty and the Company will not pay any
benefit under sub-clause 3.3 for any future Coronary Angioplasty undergone by the Life Assured.

4. DEFINITIONS OF CRITICAL ILLNESSES

1. “Heart Attack” : Death of a portion of the heart muscle arising from inadequate blood
supply to the relevant area. This diagnosis must be supported by three or
more of the following five criteria which are consistent with a new heart
attack:
(a) History of typical chest pain;
(b) New electrocardiogram (ECG) changes proving infarction;
(c) Diagnostic elevation of cardiac enzyme CK-MB;
(d) Diagnostic elevation of Troponin (T or I);
(e) Left ventricular ejection fraction less than 50% measured 3 months or
more after the event.

2. “Stroke” : A cerebrovascular incident including infarction of brain tissue, cerebral

and subarachnoid haemorrhage, cerebral embolism and cerebral
thrombosis. This diagnosis must be supported by all of the following
conditions:
(a) Evidence of permanent neurological damage confirmed by a
neurologist at least 6 weeks after the event; and
(b) Findings on Magnetic Resonance Imaging, Computerised
Tomography, or other reliable imaging techniques consistent with the
diagnosis of a new stroke.

42
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Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandforiswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
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The following are excluded:

(a) Transient Ischaemic Attacks;
(b) Brain damage due to an accident or injury, infection, vasculitis, and
inflammatory disease;
(c) Vascular disease affecting the eye or optic nerve; and
(d) Ischaemic disorders of the vestibular system.

3. “Coronary Artery By- The actual undergoing of open-chest surgery to correct the narrowing or
pass Surgery” : blockage of one or more coronary arteries with bypass grafts. This
diagnosis must be supported by angiographic evidence of significant
coronary artery obstruction and the procedure must be considered
medically necessary by a consultant cardiologist.
Angioplasty and all other intra arterial, catheter based techniques,
“keyhole” or laser procedures are excluded.

4. “Major Cancers” : A malignant tumour characterised by the uncontrolled growth and

spread of malignant cells with invasion and destruction of normal tissue.
This diagnosis must be supported by histological evidence of malignancy
and confirmed by an oncologist or pathologist.
The following are excluded:
(a) Tumours showing the malignant changes of carcinoma-in-situ and
tumours which are histologically described as pre-malignant or non-
invasive, including, but not limited to: Carcinoma-in-Situ of the
Breasts, Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
(b) Hyperkeratoses, basal cell and squamous skin cancers, and
melanomas of less than 1.5mm Breslow thickness, or less than Clark
Level 3, unless there is evidence of metastases;
(c) Prostrate cancers histologically described as TNM Classification T1a
or T1b or Prostrate cancers of another equivalent or lesser
classification, T1N0M0 Papillary micro-carcinoma of the Thyroid less
than 1 cm in diameter, Papillary micro-carcinoma of the Bladder, and

FLEXILIFE
Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
(d) All tumours in the presence of HIV infection.

5. “Kidney Failure” : Chronic irreversible failure of both kidneys requiring either permanent
renal dialysis or kidney transplantation.

6. “Fulminant Hepatitis” : A submassive to massive necrosis of the liver by the Hepatitis virus,
leading precipitously to liver failure. This diagnosis must be supported by
all of the following:
(a) rapid decreasing of liver size;
(b) necrosis involving entire lobules, leaving only a collapsed reticular
framework;
(c) rapid deterioration of liver function tests;
(d) deepening jaundice; and
(e) hepatic encephalopathy.
7. “Major Organ / Bone The receipt of a transplant of:
Marrow (a) Human bone marrow using haematopoietic stem cells preceded by
Transplantation” : total bone marrow ablation; or
(b) One of the following human organs: heart, lung, liver, kidney,
pancreas, that resulted from irreversible end stage failure of the
relevant organ.
Other stem cell transplants are excluded.

43
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ 1 July 2013.
external This information
distribution is confidential
to Policyholders andforis whatever
or prospects strictly forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer to
to be reproduced, inthe Policy
whole orDocument for the precise
part, for public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of thefor
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

8. “Encephalitis” : Severe inflammation of brain substance (cerebral hemisphere, brainstem

or cerebellum) caused by viral infection and resulting in permanent
neurological deficit. This diagnosis must be certified by a consultant
neurologist and the permanent neurological deficit must be documented
for at least 6 weeks.
Encephalitis caused by HIV infection is excluded.

9. “Multiple Sclerosis” : The definite occurrence of Multiple Sclerosis. The diagnosis must be
supported by all of the following:
(a) Investigations which unequivocally confirm the diagnosis to be
Multiple Sclerosis;
(b) Multiple neurological deficits which occurred over a continuous period
of at least 6 months; and
(c) Well documented history of exacerbations and remissions of said
symptoms or neurological deficits.
Other causes of neurological damage such as SLE and HIV are excluded.

10. “Primary Pulmonary Primary Pulmonary Hypertension with substantial right ventricular
Hypertension” : enlargement confirmed by investigations including cardiac
catheterisation, resulting in permanent physical impairment of at least
Class IV of the New York Heart Association (NYHA) Classification of
Cardiac Impairment.
The NYHA Classification of Cardiac Impairment (Source: “Current Medical
Diagnosis & Treatment – 39th Edition”):
Class I: No limitation of physical activity. Ordinary physical activity does
not cause undue fatigue, dyspnea, or anginal pain.
Class II: Slight limitation of physical activity. Ordinary physical activity
results in symptoms.
Class III: Marked limitation of physical activity. Comfortable at rest, but
less than ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without discomfort.
Symptoms may be present even at rest.

11. “HIV Due to Blood (I) Infection with the Human Immunodeficiency Virus (HIV) through a
Transfusion and blood transfusion, provided that all the following conditions are met:
Occupationally (a) The blood transfusion was medically necessary or given as part of
Acquired HIV” : a medical treatment;
(b) The blood transfusion was received in Singapore after the Issue
Date, Date of endorsement or Date of reinstatement of this
Supplementary Contract, whichever is the later;
(c) The source of the infection is established to be from the Institution
that provided the blood transfusion and the Institution is able to
trace the origin of the HIV tainted blood; and
(d) The Life Assured does not suffer from Thalassaemia Major or
Haemophilia.

44
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_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at time
in whole or part, of
forprint on/ 1external
public July 2013. This information
distribution is confidential
to Policyholders andfor
or prospects is whatever
strictly forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer to
to be reproduced, in the Policy
whole or Document for the /precise
part, for public Terms
external & Conditions,
distribution including the exclusions
to Policyholders or prospectsof thefor
insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

(II) Infection with the Human Immunodeficiency Virus (HIV) which resulted
from an accident occurring after the Issue Date, Date of endorsement
or Date of reinstatement of this Supplementary Contract, whichever is
the later whilst the Life Assured was carrying out the normal
professional duties of his or her occupation in Singapore, provided that
all of the following are proven to the Company’s satisfaction:
(a) Proof of the accident giving rise to the infection must be reported to
the Company within 30 days of the accident taking place;
(b) Proof that the accident involved a definite source of the HIV
infected fluids;
(c) Proof of sero-conversion from HIV negative to HIV positive
occurring during the 180 days after the documented accident. This
proof must include a negative HIV antibody test conducted within 5
days of the accident; and
(d) HIV infection resulting from any other means including sexual
activity and the use of intravenous drugs is excluded.

This benefit is only payable when the occupation of the Life Assured is a
medical practitioner, housemen, medical student, state registered nurse,
medical laboratory technician, dentist (surgeon and nurse) or paramedical
worker, working in medical centre or clinic (in Singapore).
This benefit will not apply under either section (I) or (II) where a cure has
become available prior to the infection. “Cure” means any treatment that
renders the HIV inactive or non-infectious.

12. “Alzheimer’s Disease / Deterioration or loss of intellectual capacity as confirmed by clinical

Severe Dementia” : evaluation and imaging tests, arising from Alzheimer’s disease or
irreversible organic disorders, resulting in significant reduction in mental
and social functioning requiring the continuous supervision of the Life
Assured. This diagnosis must be supported by the clinical confirmation
of an appropriate consultant and supported by the Company’s appointed

FLEXILIFE
doctor.
The following are excluded:
(a) Non-organic diseases such as neurosis and psychiatric illnesses; and
(b) Alcohol related brain damage.

13. “Progressive A systemic collagen-vascular disease causing progressive diffuse fibrosis

Scleroderma” : in the skin, blood vessels and visceral organs. This diagnosis must be
unequivocally supported by biopsy and serological evidence and the
disorder must have reached systemic proportions to involve the heart,
lungs or kidneys.
The following are excluded:
• Localised scleroderma (linear scleroderma or morphea);
• Eosinophilic fascitis; and
• CREST syndrome.

14. “Coma” : A coma that persists for at least 96 hours. This diagnosis must be
supported by evidence of all of the following:
(a) No response to external stimuli for at least 96 hours;
(b) Life support measures are necessary to sustain life; and
(c) Brain damage resulting in permanent neurological deficit which must
be assessed at least 30 days after the onset of the coma.
Coma resulting directly from alcohol or drug abuse is excluded.

45
_________________________________________________________________________________________________
143
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ 1 July 2013.
external This information
distribution is confidential
to Policyholders andforis whatever
or prospects strictly forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer to
to be reproduced, inthe Policy
whole orDocument for the precise
part, for public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of thefor
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

15. “Deafness (Loss of Total and irreversible loss of hearing in both ears as a result of illness or
Hearing)” : accident. This diagnosis must be supported by audiometric and sound-
threshold tests provided and certified by an Ear, Nose, Throat (ENT)
specialist.
Total means “the loss of at least 80 decibels in all frequencies of hearing”.

16. “Heart Valve Surgery” : The actual undergoing of open-heart surgery to replace or repair heart
valve abnormalities. The diagnosis of heart valve abnormality must be
supported by cardiac catheterization or echocardiogram and the
procedure must be considered medically necessary by a consultant
cardiologist.

17. “Loss of Speech” : Total and irrecoverable loss of the ability to speak as a result of injury or
disease to the vocal cords. The inability to speak must be established for
a continuous period of 12 months. This diagnosis must be supported by
medical evidence furnished by an Ear, Nose, Throat (ENT) specialist.
All psychiatric related causes are excluded.

18. “Major Burns” : Third degree (full thickness of the skin) burns covering at least 20% of the
surface of the Life Assured’s body.

19. “Surgery to Aorta” : The actual undergoing of major surgery to repair or correct an aneurysm,
narrowing, obstruction or dissection of the aorta through surgical opening
of the chest or abdomen. For the purpose of this definition, aorta shall
mean the thoracic and abdominal aorta but not its branches.
Surgery performed using only minimally invasive or intra arterial
techniques are excluded.

20. “Apallic Syndrome” : Universal necrosis of the brain cortex with the brainstem intact. This
diagnosis must be definitely confirmed by a consultant neurologist holding
such an appointment at an approved hospital. This condition has to be
medically documented for at least one month.
21. “Muscular Dystrophy” : A group of hereditary degenerative diseases of muscle characterised by
weakness and atrophy of muscle. The diagnosis of muscular dystrophy
must be unequivocal and made by a consultant neurologist. The condition
must result in the inability of the Life Assured to perform (whether aided or
unaided) at least 3 of the following 6 “Activities of Daily Living” for a
continuous period of at least 6 months:
Activities of Daily Living:
(i) Washing – the ability to wash in the bath or shower (including getting
into and out of the bath or shower) or wash satisfactorily by other
means;
(ii) Dressing – the ability to put on, take off, secure and unfasten all
garments and, as appropriate, any braces, artificial limbs or other
surgical appliances;
(iii) Transferring – the ability to move from a bed to an upright chair or
wheelchair and vice versa;
(iv) Mobility – the ability to move indoors from room to room on level
surfaces;
(v) Toileting – the ability to use the lavatory or otherwise manage bowel
and bladder functions so as to maintain a satisfactory level of personal
hygiene;
(vi) Feeding – the ability to feed oneself once food has been prepared
and made available.

46
144
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ 1 July 2013.
external This information
distribution is confidential
to Policyholders andforis whatever
or prospects strictly forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer to
to be reproduced, inthe Policy
whole orDocument for the precise
part, for public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of thefor
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
 FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT(SERIES
FLEXILIFE INFORMATION PACK) ILLNESS PROTECTOR (SERIES 3)
3) & CRITICAL
(PRODUCT INFORMATION PACK)

22. “End Stage Lung End stage lung disease, causing chronic respiratory failure. This
Disease” : diagnosis must be supported by evidence of all of the following:
(a) FEV1 test results which are consistently less than 1 litre;
(b) Permanent supplementary oxygen therapy for hypoxemia;
(c) Arterial blood gas analyses with partial oxygen pressures of 55mmHg
or less (PaO2 <= 55mmHg); and
(d) Dyspnea at rest.
The diagnosis must be confirmed by a respiratory physician.

23. “End Stage Liver End stage liver failure as evidenced by all of the following:
Failure” : (a) Permanent jaundice;
(b) Ascites; and
(c) Hepatic encephalopathy.
Liver disease secondary to alcohol or drug abuse is excluded.

24. “Motor Neurone Motor neurone disease characterised by progressive degeneration of

Disease” : corticospinal tracts and anterior horn cells or bulbar efferent neurones
which include spinal muscular atrophy, progressive bulbar palsy,
amyotrophic lateral sclerosis and primary lateral sclerosis. This diagnosis
must be confirmed by a neurologist as progressive and resulting in
permanent neurological deficit.

25. “Parkinson’s Disease” : The unequivocal diagnosis of idiopathic Parkinson’s Disease by a

consultant neurologist. This diagnosis must be supported by all the
following conditions:
(a) the disease cannot be controlled with medication;
(b) signs of progressive impairment; and
(c) inability of the Life Assured to perform (whether aided or unaided) at
least 3 of the following 6 “Activities of Daily Living” for a continuous
period of at least 6 months:
Activities of Daily Living:

FLEXILIFE
(i) Washing – the ability to wash in the bath or shower (including getting
into and out of the bath or shower) or wash satisfactorily by other
means;
(ii) Dressing – the ability to put on, take off, secure and unfasten all
garments and, as appropriate, any braces, artificial limbs or other
surgical appliances;
(iii) Transferring – the ability to move from a bed to an upright chair or
wheelchair and vice versa;
(iv) Mobility – the ability to move indoors from room to room on level
surfaces;
(v) Toileting – the ability to use the lavatory or otherwise manage bowel
and bladder functions so as to maintain a satisfactory level of personal
hygiene;
(vi) Feeding – the ability to feed oneself once food has been prepared and
made available.
Drug-induced or toxic causes of Parkinsonism are excluded.

47
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not 145
to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions of the insurance plan.
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

26. “Aplastic Anaemia” : Chronic persistent bone marrow failure which results in anaemia,
neutropenia and thrombocytopenia requiring treatment with at least one of
the following:
(a) Blood product transfusion;
(b) Marrow stimulating agents;
(c) Immunosuppressive agents; or
(d) Bone marrow transplantation.
The diagnosis must be confirmed by a haematologist.

27. “Benign Brain A benign tumour in the brain where all of the following conditions are met:
Tumour” : (a) It is life threatening;
(b) It has caused damage to the brain;
(c) It has undergone surgical removal or, if inoperable, has caused a
permanent neurological deficit; and
(d) Its presence must be confirmed by a neurologist or neurosurgeon and
supported by findings on Magnetic Resonance Imaging,
Computerised Tomography, or other reliable imaging techniques.
The following are excluded:
(a) Cysts;
(b) Granulomas;
(c) Vascular Malformations;
(d) Haematomas; and
(e) Tumours of the pituitary gland or spinal cord.

28. “Major Head Trauma” : Accidental head injury resulting in permanent neurological deficit to be
assessed no sooner than 6 weeks from the date of the accident. This
diagnosis must be confirmed by a consultant neurologist and supported
by unequivocal findings on Magnetic Resonance Imaging, Computerised
Tomography, or other reliable imaging techniques. The accident must be
caused solely and directly by accidental, violent, external and visible
means and independently of all other causes.
The following are excluded:
(a) Spinal cord injury; and
(b) Head injury due to any other causes.

29. “Bacterial Meningitis” : Bacterial infection resulting in severe inflammation of the membranes of
the brain or spinal cord resulting in significant, irreversible and permanent
neurological deficit. The neurological deficit must persist for at least 6
weeks. This diagnosis must be confirmed by:
(a) The presence of bacterial infection in cerebrospinal fluid by lumbar
puncture; and
(b) A consultant neurologist.
Bacterial Meningitis in the presence of HIV infection is excluded.

30. “Angioplasty & Other The Limited Advance Payment benefit equal to 10% of the Lump Sum
Invasive Treatment For Advance Payment subject to a $25,000 maximum shall be paid if the Life
Coronary Artery” : Assured actually undergoes balloon angioplasty or similar intra arterial
catheter procedure to correct a narrowing of minimum 60% stenosis, of
one or more major coronary arteries as shown by angiographic evidence.
The revascularisation must be considered medically necessary by a
consultant cardiologist.
Coronary arteries herein refer to left main stem, left anterior descending,
circumflex and right coronary artery.
This benefit shall cease upon payment of one Limited Advance
Payment.
Diagnostic angiography is excluded.

48
146
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, accurate at part,
in whole or time for
of print
publicon/ 1 July 2013.
external This information
distribution is confidential
to Policyholders andforis whatever
or prospects strictly forpurposes.
internal circulation
This is not only and isof
a contract
insurance.
not Please refer to
to be reproduced, inthe Policy
whole orDocument for the precise
part, for public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of thefor
or prospects insurance plan.
whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

5. EXCEPTIONS
The Company will not pay any benefits:
(a) if there was a Pre-existing Critical Illness which is the same Critical Illness which is the subject of a claim
under this Rider;
(b) for Heart Attack, Major Cancers, Coronary Artery By-pass Surgery or Angioplasty & Other Invasive
Treatment For Coronary Artery if the diagnosis of the Heart Attack, Major Cancers, coronary artery disease
requiring Coronary Artery By-pass Surgery or Angioplasty & Other Invasive Treatment For Coronary Artery
was made within 90 days from:
(i) the date of issue of the Policy or this Rider; or
(ii) the date of reinstatement of the Policy and this Rider,
whichever is the later date; or
(c) for any Critical Illness which resulted either directly or indirectly from self-inflicted injuries of the Life Assured.

6. CONDITIONS
6.1 The Policyholder must notify the Company of any claim in writing as soon as it is practicable.
6.2 The Critical Illness must be diagnosed by a registered Medical Practitioner and must be supported by
clinical, radiological, histological and laboratory evidence acceptable to the Company.
6.3 All medical reports or any other evidence required by the Company for any claim must be furnished at the
Policyholder’s expense.
6.4 If required by the Company, the Life Assured must undergo medical examination by the Medical
Practitioner appointed by the Company.
6.5 When a claim has been admitted, and the Amount of Benefits is equal to the Basic Sum Assured stated in
the Schedule:
(a) all supplementary contracts and Riders will be terminated; and
(b) all other Rights, Options, Values and Benefits under the Policy, including benefits payable on death or
survival of the Life Assured, or under the TPD Endorsement (if any) will not be valid, from the date of

FLEXILIFE
diagnosis of the Critical Illness. However the termination will not affect any claim which arises before
the date of diagnosis of the Critical Illness.
6.6 The Company will not be liable if there is a failure to comply with any of the above conditions.
6.7 The Company will not pay more than $1,000,000 of the total amount of sums assured under this Rider and
all policies and riders issued by the Company on the same Life Assured which provide similar benefits
payable for medical conditions similar to Critical Illness.

7. TERMINATION

7.1 This Rider will terminate when the Company receives the Policyholder’s written request for termination of this
Rider.
7.2 This Rider will automatically terminate if:
(a) the Policy lapses, is surrendered or converted into a paid-up assurance or an extended term assurance,
or is otherwise terminated; or
(b) a claim under clause 3 above is admitted and the Amount of Benefits is equal to the Basic Sum Assured
stated in the Schedule (save for a claim for Angioplasty & Other Invasive Treatment For Coronary Artery
under sub-clause 3.3).

--------------------------------------------------------------------- End of page ----------------------------------------------------------

49
_________________________________________________________________________________________________ 147
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsandfor iswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance.
not to be Please refer toin
reproduced, thewhole
Policyor
Document
part, forfor the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the insurance
or prospects plan.purposes. This
for whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)
PACK)

PART IV: FREQUENTLY ASKED QUESTIONS

A. PRODUCT FEATURES

1. Does the Critical Illness Protector have any cash value?

No. Critical Illness Protector is a Critical Illness accelerator rider and it does not have any cash value.

2. What basic plans can Critical Illness Protector (Series 3) be attached to?
Critical Illness Protector can only be attached to the suite of FlexiLife (Series 3). Only one CIP rider can be
attached to one basic policy.

The product rider matrix is as such:

Critical Illness Protector 20 Critical Illness Protector

(Series 3) (Series 3)
FlexiLife 20 (Series 3) Yes Yes
FlexiLife (Series 3) No Yes

B. NEW BUSINESS UNDERWRITING, POLICY SERVICES & CLAIMS

1. Is backdating allowed for FlexiLife (Series 3) & Critical Illness Protector (Series 3)?
Yes, backdating is allowed. The existing backdating conditions apply but the policy cannot be backdated
prior to 1 July 2013, i.e. the date on which the product is launched.

2. Can Sum Assured be reduced after the policy is inforced?

Yes. Reduction in Sum Assured (subject to min Sum Assured) can be done any time after the policy is in-
force and will take effect from the next premium due date.

Once the policy has acquired cash value, reduction in sum assured is also known as partial surrender of the
policy.

A written and signed request form from the policyholder is required. Please refer to the appended table for
the correct form to use:
Cash Value Status of CS Forms
the Inforced policies Form No Description
No Cash Value CS122 Application for Change
Have Cash Value CS151 Partial Surrender Discharge Voucher or Partial
Surrender Discharge Voucher (Non-Investment
Linked)
CS150 Declaration Form for Withdrawal of Policy

3. Can Sum Assured be increased after the policy is inforced?

Yes. Increase in Sum Assured is only allowed within the first policy year, and is subject to underwriting.

To apply for increment in sum assured, the following documents are required.
1. Declaration of Health Form (CS108)
2. Benefit Illustration & Product Summary (BIPS), based on the new sum assured and ANB as at policy
inception
3. Financial Life Plan (FLP)

Upon approval, the policyholder will need to pay the difference in premiums from policy inception to the
current premium due date.

51
148
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information inaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4. Can riders be added after the basic policy has been inforced?
Yes, our suite of Critical Illness Protector (Series 3) can be attached to FlexiLife (Series 3) within the first 3
policy years. However, it will be subject to medical underwriting.

To apply for an inclusion of Critical Illness Protector (Series 3), the following documents
are required:
1. Declaration of Health Form (CS108)
2. Benefit Illustration & Product Summary (BIPS)
3. Financial Life Plan (FLP)
Upon approval, policyholder will have to pay the premiums from policy inception to current next premium due
date.

Please note that attachment of the suite of Critical Illness Protector Riders may restrict the attachment of
other riders if the maximum sum assured of the Critical Illness Protector Rider is chosen.

5. What happens to the policy if the policyholder stops paying premium?

If there is no premium payment after the 30-day grace period, one of the 2 scenarios may occur:
1. If the policy has not acquired any cash value, the policy will lapse and cover will cease.
2. If the policy has attained cash value, an automatic premium loan (APL) will be triggered and the policy
will remain inforced. However, the policy will lapse if the APL amount plus interest exceeds the cash
value of the policy.

6. Under what conditions will the policy terminate?

The Policy will terminate on the earliest of the following events:
a) The death of the Life Assured;
b) When all the benefit payments under Total and Permanent Disability has been paid;
c) When all the death benefit has been paid, due to a claim on the accelerated Critical Illness rider;
d) When all the benefit payments under Terminal Illness has been paid;
e) The policy lapses.

7. Can the policyholder reinstate the policy if the policy has lapsed?

FLEXILIFE
Policyholders can reinstate the policy within 3 years from the policy lapse date by fulfilling the following
requirements:
 Submit a complete and signed CS101: The Application for Reinstatement Form.
 Pay all outstanding premiums and accrued interest which is charged at the prevailing interest rate:
currently at 8% p.a.
 Submit a declaration or provide satisfactory evidence of good health.

8. In the event a Life Assured makes a claim on the Critical Illness Protector (Series 3), what happens to
the basic policy?
Critical Illness Protector (Series 3) accelerates payouts under the Basic Sum Assured of the FlexiLife (Series
3) which it is attached to. The following are a few examples for illustration:

a. Sum Assured of the CIP (Series 3) is equals to the Sum Assured of the FlexiLife (Series 3). Upon a
claim under the CIP (Series 3), the Basic Sum Assured will be payable in a lump sum with attaching
bonus, if any, after which the policy and rider will terminate.

b. Sum Assured of the CIP (Series 3) is less than the Sum Assured of the FlexiLife (Series 3). Upon a
claim under the CIP (Series 3), the Basic Sum Assured will be payable in a lump sum with attaching
bonus, if any, after which the basic policy will continue with remaining Sum Assured. After the claim
is paid, the balance of the basic sum assured with reduced premiums will continue to be payable.

c. A claim is made on Angioplasty & Other Invasive Treatment for Coronary Artery (“Angioplasty”)
under the CIP (Series 3), only 10% of the Sum Assured of the rider, up to $25,000 per life will be
payable.
After the claim is paid, the balance of the rider sum assured and the balance of the basic sum
assured with reduced premiums will continue to be payable.

52
_________________________________________________________________________________________________
149
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART V: TARGET MARKET & SALES PROPOSITIONS

SECTION A: TARGET MARKET

We have identified 3 primary target markets for the FlexiLife (Series 3) and Critical Illness Protector (Series 3).

1. New Parents – Purchasing a Gift of Protection

FlexiLife (Series 3) helps new parents to provide care and financial protection for their child as soon as he or
she is born. With the limited-pay FlexiLife 20, new parents can complete the premium payment over 20 years
while their child enjoys a fully-paid financial protection for his or her entire life.

FlexiLife (Series 3) also act as a form of long-term savings for the later stage of the child’s adulthood, where the
accumulated cash value can be withdrawn in the event of a financial emergency.

Critical Illness Protector (Series 3) is a superb option to enhance the Protection chosen for the child under
FlexiLife (Series 3). A health fund has been set up to take care of the child should he/she be diagnosed with
any of the 30 Critical Illnesses. To boost coverage, one may also add LifeSecure Rider to FlexiLife (Series 3)
plans so that monthly benefits are payable if the child suffers from a disability.

For added peace of mind, parents may also attach a Payer Benefit LA Rider III so that should anything happen
like death. TPD or diagnosis of CI to the parent (Payer), the child’s policy will continue to stay in force with
premiums waived.

2. Young Working Adults – A Head Start in Protection

Emerging into the working world, young working adults start carrying the responsibilities of supporting
themselves and their doting parents. At the same time, they may have other plans for the future, such as
starting their own family or setting up their own business. A whole life protection plan such as FlexiLife (Series
3) will give them a head start in the event of unforeseen circumstances that could terminate their ability to
support themselves and other family members.

A choice to attach valued benefits such as Critical Illness Protector (Series 3), Critical Care Advantage Rider,
PayAssure rider and Premium Waiver rider to FlexiLife (Series 3) plans will provide a comprehensive coverage
for any young working adult.

Young adults are discouraged from procrastination because for the same value of cover, the earlier it is
purchased, the lower the premium rates. In addition, young working adults have the advantage of good health to
be eligible to apply for insurance coverage with no health loadings.

3. Working Adults in the late 30’s – Increasing their Whole Life Cover
Being at the prime of their lives, they have a strong sense of responsibility to protect, nurture and care for their
family. They should be looking at increasing their whole life cover and FlexiLife (Series 3) offers them the
flexibility to vary their payment terms according to their financial situation and priorities.

In addition, for those who are retiring in the next 30 years, FlexiLife helps them to broaden the value of their
retirement nest egg, allowing them to enjoy the golden years with ease. With FlexiLife 20 (Series 3), the
premium payment term is limited to only 20 years and by the time retirement be nearing, the financial
commitments of paying premiums will cease.

Equally fundamental, is a review of their Critical Illness coverage as they may have increased liabilities or
dependents. . Critical Illness Protector (Series 3) and Critical Care Advantage Riders are great options to
improve the protection element of FlexiLife (Series 3) plans. Other riders to consider for a more comprehensive
coverage would be Critical Care Advantage Rider, Premium Waiver rider, PayAssure rider and LifeSecure rider.

53
_________________________________________________________________________________________________
150
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This is not a contract of
Information
insurance. accurate
Please atthe
refer to time of print
Policy on 1 July
Document 2013.
for the ThisTerms
precise information is confidential
& Conditions, andexclusions
including the is strictlyoffor internal
the circulation
insurance plan. only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

SECTION B: SALES PROPOSITIONS

ü Lifetime Protection with Choices of Payment Terms

FlexiLife (Series 3) is a participating whole life plan that provides the client with protection coverage for the
lifetime. FlexiLife (Series 3) plans give clients the ability to customize their insurance planning according to their
financial needs and preferences. Clients can choose either a 20-year limited-pay option or premium payment up
till 80 ANB for their plan.

ü Growing Protection Level

Protection level will grow during the course of the policy through participation in bonuses. This growing cover
acts as a hedge against inflation and helps enhance coverage over the years.

ü Cash Value that Accumulates with the Policy

FlexiLife (Series 3) accumulates cash value over time. Besides its primary goal for lifetime protection, the plan
may also be used as a form of savings for the future insurance protection is no longer needed due to changing
needs.

ü Extended Presumptive Total and Permanent Disability (TPD) Coverage

FlexiLife (Series 3) covers the client for Presumptive Total and Permanent Disability for whole of life, not just up
to age 65. The extended coverage is useful as one becomes more vulnerable due to aging.

ü Worldwide Coverage
The FlexiLife (Series 3) and Critical Illness Protector (Series 3) provide worldwide coverage against death and
TPD. Therefore, no matter where they go, the client can be rest assured that they are adequately protected.

ü Tax Free Proceeds

Under the present Singapore tax laws, proceeds of a personal life insurance are not subject to income tax.

ü Additional Protection against Accidents and Hospitalizations

For a nominal sum, the client can enjoy comprehensive cover against the mishap of accidents cover by attaching

FLEXILIFE
a Personal Accident Rider.

ü Enhance the Client’s Cover against Critical Illnesses

Cancer, heart disease and stroke remain the top killers in Singapore. These Critical Illnesses are covered under
Critical Illness Protector (Series 3).

54
_________________________________________________________________________________________________
151
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not to be Please refer toin
reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART VI: TRAINING & COMPETENCY REQUIREMENTS

FlexiLife (Series 3)

Important Disclosure to Client when making a recommendation:

According to FAA Notice 03, Life Planner is to disclose and explain to the client the product information in a manner
that is clear, adequate and not false or misleading.

Such Information includes: - Refer to full set of information disclosed in the Benefit Illustration & Product Summary
(BIPS)

Client Profile
7.0 Clients of age group ranging from 1 ANB to 65 ANB are eligible for this plan.

Risk Profile
Risk profile analysis MUST be conducted.

Commitment by Client (Premium Payment Term)

 Regular premium for a period of 20 years for FlexiLife 20
 Regular premium up to 80 ANB for FlexiLife

Policy Term
Whole of Life

Product Investment Risk

Lower

Benefits of Plan
7.1 Death Benefit
7.2 Total and Permanent Disability (TPD) Benefit
o Occupational TPD to age 65 ANB
o Presumptive TPD for whole of life
7.3 Terminal Illness Benefit

Limitations of Plan
 This plan participates in the performance of the Participating fund in the form of bonuses that are not guaranteed
7.4 Occupational TPD covers up to age 65 ANB only

The benefits and limitations stated in this illustration are not exhaustive. Please refer to the Product Summary and
Contract for full details.

T&C Requirements on Written Recommendation

The T&C Requirements on the written recommendation in the Financial Life Plan (FLP) constitute a Minimum
Standard that includes reinforcing your recommendations with material information on product benefits & limitations
so as to protect your professionalism.

You are required to conduct a thorough fact find to uncover client’s needs, conduct a proper needs analysis &
recommend a suitable plan to meet client’s needs.

55
152
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internal
purposes circulation
. This is not aonly and is
contract of
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance
whateverplan.purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Financial Life Plan

Section B – My Concern
Client’s Needs to be addressed now
 Cover for protection of family / assets in the event of death; and/or
 Provide for children’s protection needs

Section H – Protection Needs Analysis

Complete the Needs Analysis for “Protection Needs”:
 Protection Needs Estimate*

* Please indicate under Life Planner’s Notes / Financial Consultant’s Notes that the analysis is meant for Children’s
Protection if client’s concern is “Provide for children’s protection needs”

Section K – Life Planner’s Recommendation

 Budget
o Budget Amount $
o Source (Cash)
o Frequency (e.g. monthly / annually)

 Client’s Need
o Provision for:
 Cover for protection of family / assets in the event of death
 Provide for children’s protection needs
o Shortfall amount $ (As derived from Analysis)
o Duration :Whole of life

 Plan/s Recommendation
o Full Name of Plan: FlexiLife 20 (Series 3) / FlexiLife (Series 3)
o Term of Plan: Whole of life
o Sum Assured: $___________

FLEXILIFE
o Premium: $___________(Cash) e.g. monthly/annually
o Premium Term: 20 years / till 80 ANB

Reasons for Recommendation (Sample Only - Please do not copy verbatim)

 I recommend FlexiLife 20 (Series 3) to meet your need for protection of family/ assets in event of death.
 Based on the Benefit Illustration, the sum assured will only be able to meet your needs partially.
 This plan provides death coverage, occupational TPD up to age 65 ANB and presumptive TPD for whole of
life.
 In event that the Life Assured suffers from Terminal Illness, death benefit will be payable in one lump sum
and the policy will terminate.
(You may state any additional benefit / feature)

Limitation(s) of Plan (Sample Only – Please do not copy verbatim)

 This plan participates in the performance of the Participating fund in the form of bonuses that are not
guaranteed
 (You may state any additional limitation)

56
_________________________________________________________________________________________________
153
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

Representative is required to:

§ Exercise due diligence in recommending a plan that is suitable for the client that meets his/her needs and
within the budget given.
§ Fully disclose the material product benefits and limitations using the Benefit Illustration & Product Summary
(BIPS) to allow client to make an informed decision.
§ Ensure that client understands the product features, benefits and limitations.
§ Provide a copy of Financial Life Plan (FLP) and Benefit Illustration & Product Summary (BIPS) to the client.
§ Provide a copy of Your Guide to Life Insurance to the client.
§ Comply with T&C Requirements on completing the FLP.

Note for Immediate Officer

• IO is to exercise due diligence when endorsing the fact find. IO should consider if product is suitable if the
invested amount is a substantial portion of the client’s assets and his regular commitment (Found in Life
Planner’s Confidential Report)
• The sale can only be executed upon the immediate officer’s agreement.
• Ensure that Reps are competent; i.e. constantly being coached and trained by IO. Encourage Reps to
attend product launches, workshops and training classes to stay informed and updated.

Regulatory Reference

FAA Notice 16 - Notice on Recommendation on Investment Products

Under S27 of FAA, Representative needs to have a reasonable basis for any recommendation of investment product
to client.

FAA Notice 03 - Important Disclosure to Client when making a recommendation

Representative is to disclose and explain to the client the product information in a manner that is clear, adequate and
not false or misleading.

FAA G11 – Guidelines on Fair Dealing

57
154
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Informationinaccurate
reproduced, whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance. Please refer toin
not to be reproduced, the Policyor
whole Document
part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

PART VII: COMPETITIVE ANALYSIS

1. Features, Benefits & Bonus Structure
FlexiLife (Series 2) FlexiLife (Series 3)
The suite of FlexiLife 4 premium payment variations 2 premium payment variations
plans available available

Premium Premium
Plan Name Plan Name
Payment Term Payment Term
FlexiLife 10 FlexiLife 20
10 years 20 years
(Series 2) (Series 3)
FlexiLife 15 FlexiLife
15 years Up to ANB 80
(Series 2) (Series 3)
FlexiLife 20
20 years
(Series 2)
FlexiLife
Up to ANB 80
(Series 2)

Benefits Payable: ü Death Benefit ü Death Benefit

ü Total & Permanent Disability ü Total & Permanent Disability
Benefit (Expires @ 65 ANB) Benefit
ü Premium Voucher - Occupation TPD Benefit
ü Optional Living Benefit with expires @ 65 ANB
Critical Illness Protector Presumptive TPD Benefit
extended for Whole of Life
ü Terminal Illness Benefit
ü Optional Living Benefit with
Critical Illness Protector

Projected Investment PIRR 1 3.75% PIRR 1 3.25%

Rate of Return (PIRR) PIRR 2 5.25% PIRR 2 4.75%

FLEXILIFE
Reversionary Bonus: Duration Bonus per Compoundin Duration Bonus per Compounding
(Years) $1,000 SA g Rate (Years) $1,000 SA Rate
1 – 20 10 2.0% 1 – 20 7.5 1.5%
20 & 20 &
12 0% 9 0%
above above

Terminal Bonus: Duration Duration

Death Surrender Death Surrender
(Years) (Years)
1–9 0% 0% 1–9 0% 0%
10 30% 0% 10 60% 0%
11 40% 0% 11 70% 0%
12 50% 0% 12 80% 0%
13 60% 60% 13 90% 90%
14 70% 70% 14 100% 100%
15 80% 80% 15 110% 110%
16 100% 100% 16 130% 130%
17 120% 120% 17 150% 150%
18 140% 140% 18 170% 170%
19 160% 160% 19 190% 190%
20 180% 180% 20 210% 210%
21 195% 195% 21 225% 225%
22 190% 190% 22 220% 220%
23 185% 185% 23 215% 215%
24 185% 185% 24 215% 215%
24 & 175% 175% 24 & 205% 205%
above above

58
_________________________________________________________________________________________________
155
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders and
or prospects foriswhatever
strictly for internal This
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE
FLEXILIFE (SERIES
(SERIES 3)
3) && CRITICAL
CRITICAL ILLNESS
ILLNESSPROTECTOR
PROTECTOR(SERIES
(SERIES3)3)
(PRODUCT INFORMATION
(PRODUCT INFORMATION PACK)PACK)

2. List of Critical Illnesses under Critical Illness Protector (Series 2) and Critical Illness Protector
(Series 3)
Critical Illness Protector (Series 2) Critical Illness Protector (Series 3)
1 Heart Attack 1 Heart Attack
2 Stroke 2 Stroke
3 Coronary Artery By-pass Surgery 3 Coronary Artery By-pass Surgery
4 Major Cancers 4 Major Cancers
5 Kidney Failure 5 Kidney Failure
6 Fulminant Hepatitis 6 Fulminant Hepatitis
Major Organ / Bone Marrow Major Organ / Bone Marrow
7 7
Transplantation Transplantation
8 Paralysis (Loss of Use of Limbs) 8 Encephalitis
9 Multiple Sclerosis 9 Multiple Sclerosis
10 Primary Pulmonary Hypertension 10 Primary Pulmonary Hypertension
HIV Due to Blood Transfusion and HIV Due to Blood Transfusion and
11 11
Occupationally Acquired HIV Occupationally Acquired HIV
12 Alzheimer’s Disease / Severe Dementia 12 Alzheimer’s Disease / Severe Dementia
13 Blindness (Loss of Sight) 13 Progressive Scleroderma
14 Coma 14 Coma
15 Deafness (Loss of Hearing) 15 Deafness (Loss of Hearing)
16 Heart Valve Surgery 16 Heart Valve Surgery
17 Loss of Speech 17 Loss of Speech
18 Major Burns 18 Major Burns
19 Surgery to Aorta 19 Surgery to Aorta
20 Terminal Illness 20 Apallic Syndrome
21 Muscular Dystrophy 21 Muscular Dystrophy
22 End Stage Lung Disease 22 End Stage Lung Disease
23 End Stage Liver Failure 23 End Stage Liver Failure
24 Motor Neurone Disease 24 Motor Neurone Disease
25 Parkinson’s Disease 25 Parkinson’s Disease
26 Aplastic Anaemia 26 Aplastic Anaemia
27 Benign Brain Tumor 27 Benign Brain Tumor
28 Major Head Trauma 28 Major Head Trauma
29 Bacterial Meningitis 29 Bacterial Meningitis
Angioplasty & Other Invasive Treatment Angioplasty & Other Invasive Treatment
30 30
for Coronary Artery for Coronary Artery

59
156
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information accurate
reproduced, in whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

3. Comparison of FlexiLife (Series 2) versus FlexiLife (Series 3)

FlexiLife (Series 2) FlexiLife (Series 3)

Male,
FlexiLife 20 FlexiLife FlexiLife 20 FlexiLife
Non-Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $8.69 $6.65 1 $10.64 $6.85
20 $15.57 $11.97 20 $17.65 $12.33
30 $21.26 $16.97 30 $22.88 $17.48
40 $29.09 $24.00 40 $30.04 $24.72
50 $39.26 $35.89 50 $39.66 $36.98

Female,
FlexiLife 20 FlexiLife FlexiLife 20 FlexiLife
Non-Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $7.84 $6.12 1 $10.04 $6.31
20 $13.97 $10.62 20 $16.56 $10.95
30 $19.06 $15.25 30 $21.40 $15.72
40 $26.12 $21.70 40 $27.99 $22.36
50 $35.42 $32.45 50 $36.41 $33.44

Male,
FlexiLife 20 FlexiLife FlexiLife 20 FlexiLife
Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per

FLEXILIFE
$1,000 SA 1 $9.53 $6.82 1 $12.15 $6.92
20 $17.55 $12.65 20 $21.17 $13.05
30 $24.08 $18.02 30 $25.70 $18.32
40 $33.27 $26.60 40 $33.64 $27.40
50 $45.50 $40.30 50 $45.96 $41.51

Female,
FlexiLife 20 FlexiLife FlexiLife 20 FlexiLife
Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $8.32 $6.26 1 $11.56 $6.55
20 $15.09 $10.87 20 $19.87 $12.22
30 $21.01 $15.73 30 $24.08 $17.10
40 $29.04 $22.76 40 $31.35 $23.89
50 $39.68 $34.34 50 $40.44 $34.42

60
_________________________________________________________________________________________________
157
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information
reproduced, inaccurate
whole oratpart,
timefor
of print
publicon 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and is
contract of
insurance.
not Please refer tointhe
to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)
(PRODUCT INFORMATION PACK)

4. Comparison of Critical Illness Protector (Series 2) versus Critical Illness Protector (Series 3)
Critical Illness Protector 20 Critical Illness Protector 20
(Series 2) (Series 3)

Male,
CIP 20 CIP CIP 20 CIP
Non-Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $4.31 $1.84 1 $3.40 $1.43
20 $6.56 $4.00 20 $5.22 $2.64
30 $8.89 $6.19 30 $6.44 $3.98
40 $12.29 $9.68 40 $8.18 $6.41
50 $16.90 $15.23 50 $11.27 $11.01

Female,
CIP 20 CIP CIP 20 CIP
Non-Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $4.51 $1.89 1 $3.54 $1.59
20 $6.62 $4.02 20 $5.68 $3.06
30 $8.85 $6.10 30 $7.36 $4.54
40 $11.74 $9.01 40 $9.24 $6.92
50 $15.00 $13.22 50 $11.18 $10.48

Male,
CIP 20 CIP CIP 20 CIP
Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $5.86 $2.74 1 $4.36 $1.91
20 $8.76 $5.54 20 $6.92 $3.69
30 $11.87 $8.59 30 $8.57 $5.68
40 $16.49 $13.67 40 $10.95 $9.39
50 $23.32 $22.17 50 $15.95 $16.66

Female,
CIP 20 CIP CIP 20 CIP
Smoker ANB ANB
(Series 2) (Series 2) (Series 3) (Series 3)
Annual Rate per
$1,000 SA 1 $5.54 $2.92 1 $4.53 $2.12
20 $7.99 $5.36 20 $7.38 $4.25
30 $10.62 $8.01 30 $9.61 $6.41
40 $14.01 $12.04 40 $12.26 $9.89
50 $18.07 $18.03 50 $14.85 $14.76

61
158
_________________________________________________________________________________________________
Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is not to be
Information in
reproduced, accurate
whole oratpart,
timefor
of public
print on 1 July 2013.
/ external This information
distribution is confidential
to Policyholders or prospectsand
foriswhatever
strictly for internalThis
purposes. circulation
is not aonly and of
contract is
insurance. Please refer tointhe
not to be reproduced, PolicyorDocument
whole part, for for the precise
public Terms
/ external & Conditions,
distribution including the exclusions
to Policyholders of the for
or prospects insurance plan.purposes. This
whatever
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL
FLEXILIFE (SERIESILLNESS PROTECTOR
3) & CRITICAL (SERIES
ILLNESS 3)
PROTECTOR (SERIES 3)
(PRODUCT INFORMATION
(PRODUCTPACK)
INFORMATION PACK)

5. Comparison of FlexiLife 20 & CIP 20 (Series 2) versus FlexiLife 20 & CIP 20 (Series 3)
For Male Non-Smoker, $100,000 Sum Assured, 1 ANB
Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife 20 with
20 $869 $431 $26,000 3.85 3.85 6.46 8.95 0.52 1.02 0.87 2.39 5.25 -1.37 2.85
CIP 20 (Series 2)
FlexiLife 20 with
20 $1,064 $340 $28,080 3.56 3.56 5.48 7.40 0.48 0.95 0.73 1.97 4.75 -3.04 2.22
CIP 20 (Series 3)

For Male Non-Smoker, $100,000 Sum Assured, 10 ANB

Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife 20 with
20 $1,141 $525 $33,320 3.00 3.00 5.04 6.99 0.55 1.08 0.92 2.51 5.25 -0.82 3.01
CIP 20 (Series 2)
FlexiLife 20 with
20 $1,370 $430 $36,000 2.78 2.78 4.27 5.77 0.51 1.00 0.78 2.07 4.75 -2.46 2.39
CIP 20 (Series 3)

For Male Non-Smoker, $100,000 Sum Assured, 20 ANB

Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife 20 with
20 $1,557 $656 $44,260 0.58 1.08 0.98 2.52 5.25 -0.22 3.03
CIP 20 (Series 2) 2.26 2.26 3.80 5.26
FlexiLife 20 with
20 $1,765 $522 $45,740 0.56 1.05 0.86 2.18 4.75 -1.40 2.55
CIP 20 (Series 3) 2.19 2.19 3.36 4.54

For Male Non-Smoker, $100,000 Sum Assured, 30 ANB

Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife 20 with
20 $2,126 $889 $60,300 1.66 1.66 2.79 3.86 0.60 1.01 1.00 2.35 5.25 0.01 2.80
CIP 20 (Series 2)
FlexiLife 20 with
20 $2,288 $644 $58,640 1.71 1.71 2.62 3.54 0.61 1.04 0.94 2.16 4.75 -0.58 2.52
CIP 20 (Series 3)
159 62
_________________________________________________________________________________________________
Information accurate Information
at time of accurate at time
print on 1 July
of 2013. 1 July
print onThis information
2013. Thisisinformation is confidential
confidential and is
and is strictly forstrictly for internal
internal circulation
circulation only and and
only is notis to
notbe
to reproduced,
be reproduced,ininwhole
wholeor part, for
or part, for public
public/ external
/ external
distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
distribution to Policyholders or prospects
of the insurance plan. for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE
 FLEXILIFE
FLEXILIFE (SERIES 3) & CRITICAL 3) & CRITICAL
(SERIESILLNESS ILLNESS
PROTECTOR PROTECTOR
(SERIES 3) (SERIES 3)
(PRODUCT INFORMATION INFORMATION PACK)
(PRODUCT PACK)

6. Comparison of FlexiLife & CIP (Series 2) versus FlexiLife & CIP (Series 3)
For Male Non-Smoker, $100,000 Sum Assured, 1 ANB
Guaranteed Total Death Guaranteed Total Surrender
Annual Surrender
Death Benefit / Benefit / Total Surrender Benefit Benefit / Total PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Premium / Total Premium Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife with
79 $665 $184 $67,071 2.94 6.86 0.41 0.63 0.95 1.67 5.25 -0.54 2.35
CIP (Series 2) 5.89 9.90
FlexiLife with
79 $685 $143 $65,412 3.02 6.27 0.42 0.64 0.85 1.51 4.75 -1.53 1.92
CIP (Series 3) 6.04 9.29

For Male Non-Smoker, $100,000 Sum Assured, 10 ANB

Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife with
70 $852 $262 $77,980 4.49 2.24 5.22 0.43 0.66 0.99 1.73 5.25 -0.12 2.51
CIP (Series 2) 7.54
FlexiLife with
70 $878 $185 $74,410 4.70 2.35 4.89 0.45 0.69 0.91 1.60 4.75 -0.88 2.18
CIP (Series 3) 7.23

For Male Non-Smoker, $100,000 Sum Assured, 20 ANB

Guaranteed Total Guaranteed Total
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit Surrender Benefit PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium / Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife with
60 $1,197 $400 $95,820 3.13 1.57 3.64 0.45 0.64 1.00 1.64 5.25 0.03 2.26
CIP (Series 2) 5.26
FlexiLife with
60 $1,233 $264 $89,820 3.34 1.67 3.47 0.48 0.68 0.95 1.54 4.75 -0.52 2.01
CIP (Series 3) 5.14

For Male Non-Smoker, $100,000 Sum Assured, 30 ANB

Guaranteed Total Guaranteed Total S
Annual Surrender
Death Benefit / Death Benefit / Surrender Benefit urrender Benefit / PIRR
Premium Premiums Total Benefit IRR (%)
Plan Name Total Premium Total Premium / Total Premium Total Premium Used
Term Premium
20th 40th 20th 40th 20th 40th 20th 40th (%) 20th 40th
Basic Rider
Year Year Year Year Year Year Year Year Year Year
FlexiLife with
50 $1,697 $619 $115,800 2.16 1.08 2.51 0.47 0.59 1.00 1.46 5.25 -0.04 1.77
CIP (Series 2) 3.63
FlexiLife with
50 $1,748 $398 $107,300 2.33 1.16 2.42 0.51 0.63 0.96 1.40 4.75 -0.43 1.58
CIP (Series 3) 3.58
160 62
_________________________________________________________________________________________________
Information accurateInformation
at time accurate at time
of print on of print
1 July 2013. 1 July
on This information information
2013. This is is confidential
confidential and is strictly strictly
and isfor for internal
internal circulation
circulation only only
and and is not
is not to be
to be reproduced, whole or
reproduced,inin whole or part,
part,for
forpublic
public/ external
/ external
distribution to Policyholders or prospects for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
distribution to Policyholders or prospects
of the insurance plan. for whatever purposes. This is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)

Notes

161

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)

Notes

162

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)

Notes

163

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
FLEXILIFE (SERIES 3) & CRITICAL ILLNESS PROTECTOR (SERIES 3)
(PRODUCT INFORMATION PACK)

Notes

164

Information accurate at time of print on 1 July 2013. This information is confidential and is strictly for internal circulation only and is
not to be reproduced, in whole or part, for public / external distribution to Policyholders or prospects for whatever purposes. This
is not a contract of insurance. Please refer to the Policy Document for the precise Terms & Conditions, including the exclusions
of the insurance plan.
By Life Insurance Department

The Great Eastern Life Assurance Company Limited (Reg No. 1908 00011G)
1 Pickering Street, #13-01 Great Eastern Centre, Singapore 048659

[email protected]