Protection. Investment. Guaranteed Cash Payment! 1 Plan 3 Purposes While most insurance policies act solely as a protection plan, Allianz provides you

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1 PowerLink Income Provider Realising the future you seek 實現你未來的夢想 Allianz Life Insurance Malaysia Berhad ( X)

2 Protection. Investment. Guaranteed Cash Payment! 1 Plan 3 Purposes While most insurance policies act solely as a protection plan, Allianz provides you with so much more. With the new Income Provider, Allianz hands you a policy that not only protects but also acts as an investment and savings plan. So why settle for a simple protection plan when you can opt for something that can benefit you in many ways in the long run. Planned and penned to suit your future needs The Allianz Income Provider (the Plan) is not only a basic protection plan which provides you with coverage upon death and total and permanent disability (TPD) but it provides you with guaranteed cash payment from the end of the 2nd policy year onwards, and you only have to pay premiums for a limited term. Planned and penned to suit your future needs, the Allianz Income Provider, has thought of everything thoroughly and is now able to provide you with a 3-in-1 plan that allows you to grow your nest egg, protected! More than what you can expect With the all new Allianz Income Provider, we promise you attractive benefits as soon as you start saving! The Allianz Income Provider: Features 3 types of coverage and premium payment terms as listed below. 10 years premium payment for 20 years of coverage term 15 years premium payment for 20 years of coverage term 20 years premium payment for 30 years of coverage term Provided that all premiums due and all interest charged on late premium payments are paid at the end of all policy years before the guaranteed cash payment is paid out, the guaranteed cash payment which increases from 4% to 6% of the basic sum assured will be payable starting from the end of the 2nd policy year onwards until the policy matures or terminates, whichever is earlier. In addition to the guaranteed cash payment, you will receive a guaranteed amount which is more than 100% of the basic sum assured upon policy maturity. Basic sum assured coverage for death and total and permanent disability (TPD) which increases with time.

3 Income Provider Also in the deal is the no lapse guarantee, whereby during the premium payment term, the basic policy will not lapse in the event that the balance in the account is insufficient to deduct the cost of the insurance and policy fee provided that all premiums are paid no later than 31 days from the premium due date. However, this benefit will be forfeited if the premiums due remain unpaid after the expiry of the 31 days. No better plan than this for you If you are seeking for a plan that offers you more than just a protection plan, then this Fees and Charges Premium Charge is definitely THE Plan for you. Join the Plan today and experience the great feeling seeing your savings, investment and protection grow generously over the short to medium term! What are you waiting for With the Allianz Income Provider, there isn t anything else that you will need to worry about as you grow older. Be it if you re seeking protection for and when the need arises, whether you re seeking to save for a comfortable life for the older you, or just as an investment to receive potential returns, we have it all here under one roof. The Allianz Income Provider, providing you with MORE than you can expect! Surrender Charge Number of Policy Year Premiums Paid Surrender Charge (as % of Account 1 Value) (Inclusive of GST) 20 Years Term of Coverage 30 Years Term of Coverage % 21.20% 2 to % 10.60% 5 to % 5.30% 10 to 14 Nil 5.30% 15 and above Nil Nil Crediting Spread Gross Investment Return (per month) before tax Current Crediting Spread (per month) Less than 0.333% % 0.333% to 0.415% % 0.416% to 0.665% % 0.666% and above % The maximum Crediting Spread is % per month. We reserve the right to revise the charges as stipulated above by giving you at least 3 months prior written notice and such charges will take effect on the next policy anniversary. Policy Year 10 Years Premium Payment Term for 20 Years Term of Coverage Premium Charge (as % of Modal Premium Paid) 15 Years Premium Payment Term for 20 Years Term of Coverage 20 Years Premium Payment Term for 30 Years Term of Coverage % 65.30% 79.00% % 37.00% 45.00% % 25.70% 31.00% % 19.80% 25.00% 5 to % 12.60% 15.00% 7 and above 5.00% 5.00% 5.00% Cost of insurance - charged monthly from your policy account and depends on the amount of coverage chosen, age and gender. Policy Fee - The current Policy Fee is RM7.42 (inclusive of GST) per month and the maximum Policy Fee is RM12.72 (inclusive of GST) per month.

4 Perlindungan. Pelaburan. Bayaran Tunai Terjamin! Allianz menawarkan lebih daripada sekadar pelan perlindungan untuk anda. Dengan pelan Income Provider ini Allianz memberikan anda polisi yang bukan sahaja melindungi malah turut merupakan pelan pelaburan dan simpanan. Jadi, pelan perlindungan ringkas tidak lagi menjadi pilihan anda, apabila anda boleh mendapatkan lebih banyak manfaat daripada pelan ini di dalam jangka masa panjang. Dirancang dan dicipta untuk memenuhi keperluan masa depan anda Allianz Income Provider (Pelan) bukanlah sekadar pelan perlindungan asas yang menyediakan anda perlindungan apabila berlaku kematian dan Hilang Upaya Menyeluruh dan Kekal (TPD) malah ia juga menawarkan Bayaran Tunai Terjamin bermula dari akhir tahun polisi ke-2 dan seterusnya khas untuk anda, dan anda hanya perlu membayar premium untuk tempoh yang terhad. Dirancang dan dicipta untuk memenuhi keperluan masa depan anda, Allianz Income Provider telah mengambilkira setiap keperluan dengan teliti dan kini menawarkan pelan 3-dalam-1 supaya anda boleh menjimat untuk simpanan hari tua anda, dan dilindungi! Lebih daripada apa yang anda jangkakan Dengan Allianz Income Provider serba baru, kami menjanjikan manfaat menarik sebaik sahaja anda mula menjimat! Allianz Income Provider menawarkan 3 jenis perlindungan dan tempoh bayaran premium seperti di bawah. Tempoh bayaran premium 10 tahun untuk tempoh perlindungan 20 tahun Tempoh bayaran premium 15 tahun untuk tempoh perlindungan 20 tahun Tempoh bayaran premium 20 tahun untuk tempoh perlindungan 30 tahun Bayaran Tunai Terjamin yang meningkat dari 4% hingga 6% sebagai peratusan bagi amaun diinsuranskan asas akan dibayar pada akhir tahun polisi ke-2 seterusnya dan setiap akhir tahun polisi berikutnya sehingga polisi matang atau tamat, yang mana lebih awal. Ini tertakluk kepada jumlah premium yang dijangka dan caj faedah terhadap kelewatan pembayaran premium dijelaskan pada akhir tahun polisi sebelum Bayaran Tunai Terjamin dibayarkan. Selain dari Bayaran Tunai Terjamin, anda juga akan menikmati amaun terjamin yang melebihi 100% daripada amaun diinsuranskan asas apabila polisi matang. Amaun diinsuranskan asas untuk perlindungan daripada kematian dan Hilang Upaya Menyeluruh dan Kekal akan meningkat seiring masa. Anda juga diberi di mana semasa tempoh bayaran premium, polisi ini tidak akan luput dalam keadaan akaun tidak mencukupi untuk membayar kos insurans dan yuran polisi apabila tiba tarikh pembayaran premium asalkan kesemua premium yang dijangka di bawah polisi ini dibayar selewatlewatnya tiga puluh satu (31) hari dari setiap tarikh premium perlu dibayar. Ciri-ciri Jaminan Tidak Luput akan terhapus jika sebarang premium yang perlu dibayar di bawah Polisi ini tidak dibayar atau hanya dibayar selepas tamat tempoh tiga puluh satu (31) hari daripada tarikh premium perlu dibayar. Inilah pelan terbaik untuk anda! Jika anda sedang mencari pelan yang menawarkan lebih daripada pelan perlindungan, INILAH Pelan yang anda mahukan. Sertailah Pelan ini sekarang dan menikmati simpanan, pelaburan dan perlindungan anda berkembang hebat dalam tempoh jangka masa pendek hingga sederhana! Jangan ketinggalan! Dengan Allianz Income Provider, tiada apa lagi yang perlu anda bimbangkan apabila usia semakin meningkat. Kami meyediakan segala untuk anda sekiranya anda memerlukan perlindungan, atau ingin menjimat untuk simpanan hari tua, ataupun perlaburan yang menjana potensi pulangan. Allianz Income Provider, menawarkan LEBIH daripada apa yang anda jangkakan!

5 Income Provider Yuran dan Caj Caj Premium 保障 投資 保證現金支付! Tahun Polisi Caj Premium (sebagai Peratusan Modal Premium Dibayar) Tempoh Bayaran Premium 10 Tahun untuk Tempoh Perlindungan 20 Tahun Tempoh Bayaran Premium 15 Tahun untuk Tempoh Perlindungan 20 Tahun Tempoh Bayaran Premium 20 Tahun untuk Tempoh Perlindungan 30 Tahun % 65.30% 79.00% % 37.00% 45.00% % 25.70% 31.00% % 19.80% 25.00% 5 ke % 12.60% 15.00% 7 dan ke atas 5.00% 5.00% 5.00% Kos insurans dicaj setiap bulan dari akaun polisi anda dan bergantung kepada amaun perlindungan yang dipilih, umur dan jantina. Yuran Polisi Yuran Polisi semasa adalah RM7.42 (termasuk GST) sebulan dan Yuran Polisi maksimum adalah RM12.72 (termasuk GST) sebulan. Caj Serahan Bilangan Tahun Polisi Premium Dibayar Caj Serahan (sebagai Peratusan daripada Nilai Serahan) (Termasuk GST) Tempoh Perlindungan 20 Tahun Tempoh Perlindungan 30 Tahun % 21.20% 2 hingga % 10.60% 5 hingga % 5.30% 10 hingga 14 Tiada 5.30% 15 dan ke atas Tiada Tiada Tebaran Kredit Pulangan Pelaburan Kasar (setiap bulan) sebelum cukai Tebaran Kredit Semasa (setiap bulan) Kurang dari 0.333% % 0.333% hingga 0.415% % 0.416% hingga 0.665% % 0.666% dan ke atas % Tebaran Kredit maksimum ialah % sebulan. Kami merizabkan hak untuk mengubah caj yang dinyatakan di atas dengan memberi anda sekurang-kurangnya 3 bulan notis bertulis sebelumnya dan sebarang perubahan tersebut akan berkuatkuasa pada ulang tahun polisi seterusnya. 大多數保險保單純粹只是一項保障計劃, 而安聯為您提供更多 透過新穎的 Income Provider, 安聯為您提供的不僅止是保障, 也可作為投資和儲蓄計劃 所以, 當您可有多重管道長期獲益的選擇下, 又何必屈就於一份簡單的保障計劃呢 特別度身訂制, 迎合您的未來需求 安聯 Income Provider( 簡稱 本計劃 ) 不僅止一項基本的保障計劃, 除提供身故與永久殘疾保障外, 自第二保單年度杪開始, 也提供保證現金支付, 而且您只需繳付保費一段期限 特別度身訂制, 迎合未來需求, 安聯 Income Provider 考慮周全, 現在即提供 3 合 1 計劃, 讓您在受保障下茁壯您的積蓄! 超越您的期待 在全新的安聯 Income Provider 下, 只要您盡快開始儲蓄, 我們保證具有吸引力的利益! 安聯 Income Provider: 3 種保障與保費支付期限的特色列述如下 : 10 年保費繳付 20 年保障期限 15 年保費繳付 20 年保障期限 20 年保費繳付 30 年保障期限 一旦所有到期保費和遲交保費的利息罰款, 已在各保單年度杪且保證現金支付尚未派發以前付清, 保證現金支付將由基本保額的 4% 增至 6%, 將於第 2 保單年度年秒起給付, 直至保單期滿或終止, 視何者為先 除了保證現金支付, 您將在保單期滿時接獲一筆超過基本保額 100% 的保證金額 涵蓋身故與永久殘疾的基本保額將與時漸增 與此同時, 保證不斷保, 在保費支付期間, 若戶口餘額不足以扣除保險費用和保單費用, 只要所有保費時在保費到期的 31 天內獲付, 保單將享有不斷保保證 然而, 如果屆滿期逾 31 天後, 仍無法繳付保費, 將喪失這項利益 沒有比這更好的計劃 如果你尋求一項不僅止是保障的計劃, 那麼, 本計劃肯定適合您 今日起即參與這項計劃, 您將感受到儲蓄, 投資和保障在中短期內豐碩成長的美好經歷! 您還在等什么 透過安聯 Income Provider, 隨著年齡漸長, 您將可安枕無憂 它就是您追求的保障 ; 只要有需要, 不論是為年老以後的您儲蓄, 以提供舒適的生活 ; 或純粹只為賺取潛在回酬的投資, 我們備有一套全方位的計劃, 安聯 Income Provider 絕對遠遠超越您的期待!

6 收費與費用 保費收費 保單年份 10 年保費繳付 20 年保障期限 保費收費 ( 保費的百分比 ) 15 年保費繳付 20 年保障期限 20 年保費繳付 30 年保障期限 % 65.30% 79.00% % 37.00% 45.00% % 25.70% 31.00% % 19.80% 25.00% 5 至 % 12.60% 15.00% 7 或以上 5.00% 5.00% 5.00% 保險費用 - 從保單戶口每月收費, 視保障金額, 年齡和性別而定 保單費用 - 現有保單費用是每月 7.42 令吉 ( 包括 GST), 而最高保單費用則是每月 令吉 ( 包括 GST) 退保費用 退保費用 ( 戶口價值的百分比 %) 保費支付的保單年數 ( 包括 GST) 20 年保障期限 30 年保障期限 % 21.20% 2 至 % 10.60% 5 至 % 5.30% 10 至 14 無 5.30% 15 或以上 無 無 信用差價 扣稅前投資回酬 ( 每月 ) 現行信用差價 ( 每月 ) 0.333% 以下 % 0.333% 至 0.415% % 0.416% 至 0.665% % 0.666% 或以上 % 每月的最高信貸利差為 % 我們保留修訂上述收費的權利, 惟須給予至少 3 個月的書面通知, 而有關更動將自下個保單週年開始生效 This brochure is for illustration purposes only and the information included is neither comprehensive nor exhaustive. You need to refer to the Product Disclosure Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI could be obtained from Your servicing agent. We have the right to revise the rates, charges, benefits, terms and conditions. You will be informed in writing of the revision at least three (3) months before renewal. You should satisfy Yourself that this plan would best serve Your needs, and that the premium payable under the policy is an amount You can afford. Buying a life insurance is a longterm commitment and it is not advisable to hold this policy for a short period in view of the high initial costs. A free look period of fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, will be given from the date of receipt of the Policy by You to review its suitability and should You choose to return the Policy within the period, the amount to be refunded shall follow the terms and conditions in the Policy Contract. The policy may not have a guaranteed cash value on termination until after You have paid premiums for three (3) full policy years. If You terminate Your policy in the early years, You may get back less than the amount You have paid. Please refer to the sales illustration pertaining to Your policy provided to You by Our agent. Non-payment of premium at any time during the first three (3) policy years will terminate Your policy. After the policy has been in force for three (3) policy years, if the premium remains unpaid on the due date, the policy shall be kept in force by effecting a premium holiday and an automatic non-forfeiture option. However, there would be a possibility of the policy terminating if the fund value is insufficient to pay for all the policy charges due or the automatic premium loan plus interest exceeds the guaranteed cash value. You will then be given a grace period of thirty one (31) days to pay Your premium, during which the policy will remain in force. However, the policy shall lapse at the end of the grace period if any insurance and other charges shall remain unpaid at the end of the grace period. As such, it is advisable to continue paying the premium and not to attach too many optional benefits to this policy. Following the effective implementation of Goods and Services Tax (GST) on 1 April 2015, We will charge the relevant GST amount at 6% or at the prevailing rate on the applicable portion of your insurance premium/fee/charges for the applicable period of insurance coverage from the GST effective date onwards in accordance to the statutory requirement of GST. Risalah ini adalah untuk tujuan ilustrasi sahaja dan maklumat yang terkandung adalah tidak komprehensif dan menyeluruh. Anda mungkin perlu merujuk Lembaran Pendedahan Produk (PDS) dan Ilustrasi Jualan (SI) untuk keterangan lanjutan. Kedua-dua PDS dan SI boleh diperolehi daripada ejen yang berkhidmat untuk Anda. Kami berhak mengubah kadar-kadar, faedah-faedah, termaterma dan syarat-syarat. Anda akan diberitahu secara bertulis tentang perubahan tersebut sekurang-kurangnya tiga (3) bulan sebelum pembaharuan polisi. Anda harus yakin bahawa pelan ini dapat memenuhi semua keperluan Anda dengan sebaiknya, dan melabur dalam polisi ini adalah cara yang mudah dan memanfaatkan kewangan Anda. Tempoh percubaan selama lima belas (15) hari atau dalam tempoh lebih lama sebagaimana yang mungkin ditentukan oleh Bank Negara Malaysia, dari tarikh penerimaan Polisi ini oleh Anda akan diberikan untuk Anda mempertimbangkan kesesuaiannya dan sekiranya Anda memilih untuk memulangkan Polisi dalam tempoh tersebut, jumlah yang dibayar kembali akan berdasarkan terma-terma dan syarat-syarat yang dinyatakan dalam Kontrak Polisi. Polisi ini mungkin tidak membayar nilai tunai terjamin ketika penamatan sehingga Anda sudah membayar premium untuk tempoh tiga (3) tahun yang penuh. Jikalau Anda membatalkan polisi Anda pada tahun-tahun permulaan, jumlah pembayaran balik mungkin kurang daripada jumlah yang Anda bayar. Sila rujuk kepada ilustrasi jualan tentang polisi ini yang Anda perolehi daripada ejen kami. Kegagalan membayar premium pada tiga (3) tahun polisi yang pertama akan menyebabkan penamatan polisi Anda. Selepas polisi sudah berkuatkuasa selama tiga (3) tahun, sekiranya premium tidak dibayar pada tarikh cukup tempoh, polisi akan terus dikuatkuasakan dengan mengaktifkan tempoh bebas premium dan pilihan tidak lucut automatik. Tetapi ada kemungkinan polisi akan luput sekiranya nilai unit dana berkaitan-pelaburan yang sedia ada tidak mencukupi untuk membayar semua caj polisi cukup tempoh atau pinjaman premium automatik campur kadar bunga melebihi nilai tunai terjamin. Anda akan diberi tempoh penangguhan selama tiga puluh satu (31) hari untuk membayar premium, dan pada tempoh tersebut polisi masih akan berkuatkuasa. Walau bagaimanapun, polisi akan luput selepas tamat tempoh penangguhan tersebut jikalau sebarang caj insurans dan caj yang lain masih belum dijelaskan pada hujung tempoh penangguhan. Oleh sebab itu, Anda dinasihatkan supaya meneruskan bayaran premium dan jangan menambahkan terlalu banyak pelan faedah pilihan kepada polisi ini. Berikutan perlaksaanan Cukai Barangan dan Perkhidmatan (GST) pada 1 April 2015, Kami akan mengenakan GST yang berkenaan pada kadar 6% atau pada kadar semasa ke atas bahagian premium/fi/caj insuran yang berkenaan untuk tempoh perlindungan yang berkenaan mulai dari tarikh efektif GST dan selaras dengan keperluan perundangan GST. 這份保單冊子僅供說明用途, 在此所提供的資料或許並不完整 欲知詳情, 請參閱產品披露說明書 (PDS) 及銷售說明書 (SI) 您可向服務您的業務員獲取 PDS 及 SI 我們有權修改利率 費用 利益 條款及其他條件 在保單更新前至少三 (3) 個月之內將以書信通知您 您應該因此負擔得起的保單能有效滿足您的財務需求而感到滿意 購買人壽保險是一項長期承諾 由于初期成本偏高, 我們并不鼓勵您短期性持有這份保單 自您收到保單日起, 您將有十五 (15) 天或國家銀行所制定更長期限的免費閱覽期來檢討保單是否適合您本身的需求, 若您選擇於該段期間退還保單, 所將退還的款項將跟據保單契約里所注明的條款及其它條件 終止此保單時, 您可能無法獲取任何受保證的現金值, 除非您已繳足三 (3) 年保費 若您在投保初期終止保單, 所將退還的款項可能少過您之前繳交得保費總數 請參閱由我們的代理員提供給您的銷售說明書, 以了解保單詳情 在首三 (3) 個保單年內沒有繳付任何到期保費, 保單將宣告終止 若保單已生效滿三 (3) 年, 而保費到期亦還沒繳交, 保費緩繳期及自動不退保選擇權將被啟動, 以讓保單持續生效 唯若基金值不足以繳付所有到期的保單費用或自動保費貸款連同利息已超過受保證的現金值, 保單則可能終止 我們將為您提供三十一 (31) 天的寬限期來繳付保費, 在寬限期內保單將依然生效 雖然如此, 一旦過了寬限期, 若還未付清任何保險費用及其它費用, 保單將失效 因此, 我們鼓勵您繼續繳付保費和避免在此保單上附加太多附屬保單 隨著消費稅 (GST) 於 2015 年 4 月 1 日的實行, 我們將會根據消費稅的法定要求, 從消費稅實行日開始計起, 於相關受保期內的有關保險保費 / 費用 / 收費上征收 6% 或當時的消費稅

7 Allianz Life Insurance Malaysia Berhad ( X) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia) Customer Service Allianz Arena Ground Floor, Block 2A Plaza Sentral, Jalan Stesen Sentral 5 Kuala Lumpur Sentral Kuala Lumpur Allianz Contact Center: Fax: AZ06/15 Updated 06/15

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