... Non-Guaranteed Total Accumulated Dividends and Interest Terminal Dividend Accumulated Dividends and Interest Terminal Dividend 1 9,999,999 9,999,999 9,999,999 9,999,999 9,999,999 9,999,999 9,999,999 9,999,999 9,999,999 2 3 4 5 10 15 20 25 30 At age 65 (5-year interval) At Age 100 Explanation on above...

... Dividends and Interest Terminal Dividend 1 2 3 4 5 10 15 20 25 30 At age 65 (5-year interval) At Age 100   For the second page:  DEATH BENEFIT End of Total Policy Premiums Paid Guaranteed Non-Guaranteed Total Year Accumulated Dividends and Interest Terminal Dividend 1 2 3 4 5 10 15 20 25 30 At age 65...

... make sure you understand the product features and the insurer’s philosophy for bonus and dividend distribution, including: Investment strategy (e.g. target asset mix) Fees and charges, if applicable Surrender charges, if applicable Exclusions...

... policy not less than that under the existing policy?  Are the returns and cash value offered by the new policy guaranteed or just projected non-guaranteed amounts? Projected high rates of returns are usually associated with high investment risks.  When can the new policy offer bonus or dividend? Your...

... calculated based on minimum guaranteed crediting interest rate, maximum scale of charges and exclude non-guaranteed bonus (if any). / [Figures under Conservative Basis are not guaranteed and are calculated based on minimum guaranteed crediting interest rate / crediting interest rate of 0% p.a., maximum...

... policy). Are you also sure that the application for your replacement policy will be accepted? (c) Is the sum insured under the new policy not less than that under the existing policy? (d) Are the returns and cash value offered by the new policy guaranteed or just projected non-guaranteed amounts...

... policy). Are you also sure that the application for your replacement policy will be accepted? (c) Is the sum insured under the new policy not less than that under the existing policy? (d) Are the returns and cash value offered by the new policy guaranteed or just projected non-guaranteed amounts...

... policy with a relatively low proportion of non-guaranteed benefits. You will then be able to make a relatively accurate estimate on the future value of the policy. However, if you have other protection and savings, your risk-tolerance level is relatively high, and you are expecting to accumulate wealth...

... regarded as new products rather than revamped version of current products? A 9. Current products refer to products that exist prior to 1 April 2016. Change in pricing information only (e.g. guaranteed and non-guaranteed benefit, premium rate, etc) is considered as just revamped version of current product...