3 year AUD - Page 13-18

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Early Redemption

•Early termination in the first 6 months – 2% surrender charge of Single Premium •No partial withdrawal is allowed

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Cash Accumulated Option (CAO)

End of Policy Months	Cash Surrender Value	Death Benefit
End of Policy Months	Cash Surrender Value	Age 0-50 (Std)	Age 51-64 (Std) Age 0-64 (Sub-Std)
6	98%	125%	110%
7	100%	125%	110%
12	100%	125%	110%
24	106.84%	125%	113.68%
36	120.22%	125%	120.22%

Std – Standard Life Sub-Std – Sub-Standard Life

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Cash Payout Option (CPO)

End of Policy Months	Guaranteed Cash Payment	Cash Surrender Value	Death Benefit (Standard Life)
End of Policy Months	Guaranteed Cash Payment	Cash Surrender Value	Age 0-50 (Std)	Age 51-64 (Std) Age 0-64 (Sub-Std)
6	-	98%	125%	110%
7	-	100%	125%	110%
12	7.5%	100%*	125%	110%
24	5.75%	92.5%*	117.5%	102.5%
36	5.75%	105.75%*	111.75%	100%

*Inclusive of current year guaranteed cash payment

Std – Standard Life Sub-Std – Sub-Standard Life

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Total Value Received

End of Policy Months	Cash Accumulated Option	Cash Payout Option
End of Policy Months	Surrender Value	Surrender Value + GCP*
6	98%	98%
7	100%	100%
12	100%	100%
24	106.84%	100%
36	120.22%	119%

*Guaranteed Cash Payment

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Target Market

Parents plan to send their children abroad or with children study abroad who are looking for guaranteed return product to diversify their investment portfolio.

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Customer Value Proposition

		AUD Savings Policy	AUD Fixed Deposit
1	Rates	Guaranteed	Not Guaranteed
2	Insurance coverage	Yes	No
3	Creditor proof	Yes (under S166)	No
4	No withholding tax	Yes	No, 5% for more than RM100K
5	Tax relief	Yes	No
6	Will / Estate planning	Hassle free	Will writing required

Diversify your investments
to earn guaranteed higher returns

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