3 year AUD - Page 07-12

07/24

Product Features

•Australian Dollar (AUD) denominated

•Single Premium

•Guaranteed Capital

•Guaranteed protection up to 125%

•3-year endowment plan

•Attractive guaranteed returns/interest:

End of Policy Year	Guaranteed Interest
1	7.5%
2 & 3	5.75%

07/24

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08/24

Guaranteed Interest

2 options to receive your guaranteed interest:

•Cash Accumulated Option (CAO)

•Cash Payout Option (CPO)

CPO or CAO must be selected at point of sale and is irreversible

09/24

Guaranteed Interest – CAO Option

For policyholders who wish to accumulate guaranteed interest payable annually and leave it with AIA until the end of 3-year maturity period

•120.22%* of Single Premium (SP) upon 3-year maturity period. This translates into a simple interest of 6.74% p.a.

•100% return of your Single Premium upon maturity

*This return is accumulated at a guaranteed compounded interest rate of 7.5%, 5.75% and 5.75% p.a. for policy year 1, 2 and 3 respectively.

10/24

Guaranteed Interest – CPO Option

For policyholders who wish to cash out the interest every year

•Interest (Guaranteed Cash Payment) will be paid out yearly according to below table:

End of Policy Year	Interest
1	7.5% of SP
2	5.75% of SP
3	5.75% of SP
Total	19.00% of SP

100% return of your Single Premium upon maturity

11/24

Underwriting Approach

•Simplified Issue Offer

•Policy with Prefix ‘W’

•Minimum investment size – AUD8,000

•Entry age is from 4 weeks to 64 years old (alb)

•Insurance coverage up to 125% for standard cases (age 0-50)

•Insurance coverage up to 110% (age 51-64) and substandard cases

•Covers both natural and accidental death

12/24

Underwriting Approach

Non-medical Underwriting Limits

Age Band	Non-Medical Limit (SIO)	Medical Exam	Normal Application Form	Medical Exam
0 - 50	£ AUD330,000	No	> AUD330,000	Yes
51 - 64	£ AUD165,000	No	> AUD165,000	Yes

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