The scenario(s) above are for illustration purpose only.
The illustration above is based on the current crediting rate of 2.68% p.a. and changes prevailing at the date of this illustration. Based on the assumption where the illustration for the first 6 years have taken into account the fixed and guaranteed crediting rate of 2.68% p.a. and for the subsequent years will be guaranteed at 0.00% p.a., end of year 6 account value without loyalty bonus = S$114,849, end of year 10 account value = S$114,964. The actual crediting rate applicable to your policy may be different to those shown in the illustrations, which are purely illustrative. The actual rates may be higher or lower depending on future investment performance. The information is for illustration purpose only and is without regard to the specific objectives, financial situation and needs of any particular person who may view it. The total illustrated yields of 2.66% p.a.(for 2 year premium payment) and 2.69% p.a. (for lump sum premium payment) at end of year 6 is inclusive of the required 1.2% of first-year premium charge.
|No. of years from policy|
|Surrender charge / partial withdrawal charge|
(% of amount withdrawn from account value)
|7 and above||0%|
Note: Surrender/ partial withdrawal charge will be based on amount withdrawn from account value e.g. partial withdrawal of S$10,000 at year 1 would incur a charge of S$8,000.
Free partial withdrawal benefit
During the first 6 years from policy issue, may perform partial withdrawal(s) without any charge under the following circumstances:
if You or Your spouse is certified by a Doctor to:
(a) be physically or mentally incapacitated from ever continuing in any employment;
(b) have a severely impaired life expectancy;
(c) lack capacity within the meaning of Section 4 of the Mental Capacity Act (MCA)and the lack of capacity is likely to be permanent; or
(d) be diagnosed with Terminal illness
You can exercise this benefits subject to the following conditions:
(a) Any of the above-specified event has to occur after the Policy issue date or latest Reinstatement date;
(b) The maximum partial withdrawal amount is the lower of S$50,000 or 50% of the total Regular premiums paid (not including Premiums paid in advance); and
(c) this benefits can only be exercised once throughout the policy terms.