Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just one insuranc

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1 PowerLink One plan that links all Your protection needs Satu pelan yang menggabungkan semua keperluan perlindungan Anda 一項聯結您全部保障需求的保單 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: AZ09/15 Allianz Life Insurance Malaysia Berhad ( X) Updated 09/15

2 Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just one insurance plan that completely takes care of all Your life and health protection needs. Not only can You receive comprehensive protection by attaching various optional benefits, also has an investment element that potentially allows You to enjoy attractive investment returns. To top it off, all these benefits come at an affordable monthly premium! is an all-in-one regular premium investment-linked insurance plan. This plan offers investment elements plus a comprehensive range of optional benefits - critical illness, hospitalisation and surgical, waiver of premium, personal accident and many more. In other words, all Your basic protection and financial needs are completely covered with just one plan! Major optional benefits at one premium amount Enjoy total peace of mind with various optional benefits such as critical illness, hospitalisation and surgical, waiver of premium, personal accident and many more. Best of all, You just need to pay one premium amount! Customised needs The plan gives You the freedom to decide whether to protect Yourself and Your loved ones with all or any of the optional benefits available for selection. The comprehensive range of optional benefits available can be # Subject to terms and conditions. * Before age sixty five (65) and subject to a maximum of RM4,000,000 per life assured. For details of benefits and standard exclusion, please refer to Policy Contract. customised to suit different needs depending on Your financial planning in life. Affordable premium With the option of attaching several optional benefits at one premium amount, could be one of the most affordable protection plans that You can find! You can choose to make payment on a monthly, quarterly, half-yearly or yearly basis. Inforce guarantee This unique feature allows You to enjoy continuous protection during the first three (3) Policy years even though Your policy may have insufficient units to cover all Your policy charges #. Hassle-free and convenient provides You comprehensive life and health protection as well as the opportunity to reap investment returns, all at one go. It is completely hasslefree and convenient, as You no longer need to purchase or even keep track of the details of a few different plans. Comprehensive insurance & investment benefits Death or Total and Permanent Disability (TPD) benefits Basic sum assured plus balance in investment account are payable upon death. For TPD*, only basic sum assured is payable while balance in investment account is payable upon death, if there is any unit deducting rider attached to at the date of commencement of TPD. This means that You will continue to enjoy the insurance protection provided by the rider(s), or You may also opt to surrender the balance in investment account which will cause the rider(s) to be terminated. On the other hand, basic sum assured plus balance in investment account are payable for TPD, if there is no unit deducting rider attached to at the date of commencement of TPD. Various funds for investment Based on Your individual risk appetite and financial goal, You can choose which Allianz Life investment-linked fund You will be investing in. You can also choose to combine several of Our funds. Your investment will potentially reap attractive returns**, which in turn can be used for Your future financial needs. All of Our investment-linked funds are managed by Our professional fund managers, with advice and global expertise from Allianz Group. Please refer to the investmentlinked fund brochure for the details of Allianz Life investment-linked funds. ** The potential returns, which are derived from the balance in the investment account, will depend largely on the performance of the investment market. Previous fund performance does not guarantee future fund performance and as such, the Policy benefits may either go up or down based on the performance of the funds. The investment risk under the Policy will be solely borne by You.

3 Satu pelan yang menggabungkan semua keperluan perlindungan Anda Premium allocation Depending on Your age, the premium and the basic sum assured, the premium that You paid may be split into investment premium and insurance premium. 95% of the investment premium will be allocated for investment into the Allianz Life investmentlinked funds of Your choice while the allocation for insurance premium is as per the illustration below (based on annual premium of RM1,200): Policy Year Insurance Premium Paid Allocation Rate for Insurance Premium 1 RM1,200 45% RM RM1,200 45% RM RM1,200 65% RM RM1,200 75% RM RM1,200 80% RM RM1,200 90% RM1, RM1, % RM1, & above RM1, % RM1,212 Other benefits Balance in investment account is payable upon surrender or Policy maturity. Flexibility to change amount of protection and investment by changing the sum assured with or without changing Your premium amount. Topping up on Your premium as and when You like to maximize Your investment value, where 95% of the amount will be allocated for investment (minimum top up is RM500). Switch between the funds as and when You like. Partial withdrawal of account value when necessary. Charges All charges except for the fund management charge are levied through deducting units from Your investment account. These include charges for the basic life insurance cover and the other built-in optional benefits. The amount to be charged for providing the insurance cover and optional benefits will depend on the amount and type of insurance cover chosen, as well as other factors such as age, sex, smoker status, etc. Service Charge - RM7.42 (inclusive of GST) per month Fund Management % % Charge per annum Top-up Charge - Switching - RM26.50 (inclusive of GST) per request Five(5) free switches per Policy year and RM10.60 (inclusive of GST) for any subsequent switch Note: This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. # Tertakluk kepada kesemua terma dan syarat. Bayangkan Anda mempunyai satu pelan insurans yang dapat memenuhi semua keperluan perlindungan nyawa dan kesihatan Anda. Selain daripada memperolehi pelbagai perlindungan melalui pembelian pelbagai pelan faedah pilihan, ciri-ciri pelaburan juga membolehkan Anda menikmati pulangan pelaburan yang lumayan. Apa yang paling menarik ialah, semua faedah ini boleh diperolehi dengan hanya membayar premium serendah RM100 sebulan! adalah satu pelan insurans semua dalam satu yang mempunyai ciri-ciri pelaburan dan faedah pilihan yang komprehensif penyakit kritikal, rawatan hospital dan pembedahan, pelepasan bayaran premium kemalangan diri dan banyak lagi. Pendek kata, semua perlindungan asas dan keperluan kewangan Anda dilindungi dengan satu pelan sahaja! Faedah-faedah pilihan utama dengan satu jumlah premium sahaja Nikmatilah ketenangan minda dengan pelbagai faedah-faedah pilihan seperti penyakit kritikal, rawatan hospital dan pembedahan, pelepasan bayaran premium, perlindungan kemalangan dan sebagainya. Yang menarik sekali ialah Anda hanya perlu membayar satu jumlah premium sahaja! Keperluan khas Pelan ini memberi Anda kebebasan membuat pilihan untuk melindungi Diri dan Yang Tersayang dengan semua atau sebarang faedah pilihan yang terdapat dalam pilihan. Faedah pilihan yang komprehensif boleh diubahsuai untuk memenuhi keperluan yang berbezabeza bergantung kepada perancangan kewangan hidup Anda. Premium rendah Dengan pilihan untuk menambahkan beberapa faedah pilihan dalam satu jumlah premium, mungkin merupakan pelan perlindungan yang terendah yang boleh Anda dapat. Anda boleh memilih untuk membuat bayaran setiap bulan, suku tahunan, separa tahunan atau tahunan. Jaminan berkuat-kuasa Ciri yang unik ini membolehkan Anda menikmati perlindungan berterusan dalam tempoh tiga (3) tahun Polisi yang pertama, walaupun polisi Anda mungkin tidak mempunyai unit yang mencukupi untuk menjelaskan caj polisi Anda #. Mudah & tidak menyusahkan memberi perlindungan komprehensif untuk nyawa dan kesihatan Anda dan juga peluang untuk mendapat pulangan pelaburan sekaligus. Ia mudah dan tidak menyusahkan kerana Anda tidak perlu lagi membeli atau bersusah payah mengingati butiran beberapa pelan yang berlainan.

4 Bayangkan Anda mempunyai satu pelan insurans yang dapat memenuhi semua keperluan perlindungan nyawa dan kesihatan Anda. * Sebelum umur enam puluh lima (65) tahun dan tertakluk kepada jumlah maksimum RM4,000,000 untuk setiap orang yang diinsuranskan. Untuk maklumat lanjut mengenai faedah dan pengecualian biasa, sila merujuk kepada Kontrak Polisi. Faedah insurans & pelaburan yang komprehensif Faedah Kematian atau Hilang Upaya Menyeluruh & Kekal (TPD) Amaun diinsuranskan asas dan baki akaun pelaburan akan dibayar untuk kes kematian. Bagi TPD*, hanya Amaun diinsuranskan asas akan dibayar sementara baki akaun pelaburan akan dibayar semasa kematian, jikalau terdapat sebarang pelan tambahan dengan pemotongan unit ditambah kepada pada tarikh permulaan TPD. Ini bermakna Anda akan dapat menikmati perlindungan insurans yang disediakan oleh pelan tambahan, atau Anda juga boleh memilih untuk menyerahkan baki akaun pelaburan bagi menamatkan perlindungan pelan tambahan. Sebaliknya, Amaun diinsuranskan asas dan baki akaun pelaburan akan dibayar atas TPD, jikalau tidak ada pelan tambahan dengan pemotongan unit ditambahkan kepada pada tarikh permulaan TPD. Pelbagai dana untuk pelaburan Bergantung kepada kemampuan menghadapi risiko dan matlamat kewangan Anda, Anda boleh memilih mana-mana satu dana berkaitan- pelaburan Allianz Life untuk melabur. Anda juga boleh memilih untuk menggabungkan beberapa dana Kami. Pelaburan Anda berpotensi memberi pulangan** lumayan untuk keperluan kewangan masa depan Anda. Semua dana berkaitan-pelaburan Kami diuruskan oleh pengurus dana profesional dengan nasihat dan kepakaran global dari Allianz Group. ** Pulangan pelaburan berpotensi yang diperolehi daripada baki akaun pelaburan bergantung kepada prestasi pasaran pelaburan. Rekod sejarah prestasi dana hanya boleh dijadikan sebagai panduan dan bukan sebagai jaminan akan datang, maka faedah Polisi mungkin akan bertambah atau berkurang mengikut prestasi dana-dana. Risiko pelaburan di bawah Polisi ini akan ditanggung sepenuhnya oleh Anda. Pengagihan premium Bergantung kepada umur Anda, premium dan amaun diinsuranskan asas, premium yang Anda bayar akan dibahagikan kepada premium pelaburan dan premium insurans. 95% daripada premium pelaburan akan dilaburkan dalam dana berkaitan-pelaburan Allianz Life pilihan Anda sementara pengagihan premium insurans adalah seperti yang dipaparkan dalam jadual di bawah (berdasarkan premium tahunan sebanyak RM1,200): Tahun Polisi Pembayaran Premium Insurans Kadar Pengagihan Premium Insurans 1 RM1,200 45% RM RM1,200 45% RM RM1,200 65% RM RM1,200 75% RM RM1,200 80% RM RM1,200 90% RM1, RM1, % RM1, & ke atas RM1, % RM1,212 Faedah lain Baki dalam akaun pelaburan akan dibayar ketika penyerahan balik Polisi atau Polisi matang. Fleksibiliti untuk mengubah jumlah perlindungan dan pelaburan dengan mengubah jumlah yang diinsuranskan dengan atau tanpa mengubah jumlah premium. Tambahan nilai kepada premium Anda apabila Anda ingin memaksimumkan nilai pelaburan Anda, di mana 95% daripada jumlah akan digunakan untuk pelaburan (tambahan nilai minimum RM500). Pertukaran antara dana-dana pada bila-bila masa. Pengeluaran sebahagian dari nilai akaun sekiranya perlu. Caj-caj Semua caj kecuali caj pengurusan dana akan ditolak melalui pemotongan unit dari akaun pelaburan Anda. Ini termasuk caj untuk perlindungan asas insurans nyawa dan faedahfaedah pilihan yang ditambahkan. Jumlah caj untuk perlindungan insurans dan faedahfaedah pilihan akan bergantung kepada jumlah dan jenis perlindungan insurans yang dipilih dan juga unsur-unsur lain seperti umur, jantina, samada perokok atau tidak dan lain-lain. Caj Perkhidmatan - Caj Pengurusan - Dana RM7.42 (termasuk GST) sebulan 0.75% % setahun Caj Tambahan Nilai - RM26.50 (termasuk GST) setiap permintaan Caj Pertukaran - Dana Lima (5) pertukaran percuma untuk setiap tahun Polisi dan RM10.60 (termasuk GST) untuk setiap pertukaran yang berikutnya Nota: Ini adalah produk insurans yang dikaitkan dengan prestasi aset-aset yang mendasari, dan bukannya produk pelaburan tulen seperti unit amanah.

5 一項聯結您全部保障需求的保單 試想像, 若擁有一份能完全顧及您生命及健康保障需求的保險計劃, 該有多好 有了 保單, 您不但可購買選擇性保益來享有多項保障, 您還能通過其投資潛能享受引人入勝的回酬 而且每月只需繳交可負擔的保費, 您便能享有這一切保益 是一項附加投資元素的全合一保險計劃, 並擁有全面的選擇性利益供您選擇, 即頑疾 住院及外科手術 免繳保費, 個人意外保障及其它的利益 換句話說, 您所需的基本保障及財務需求, 全在這一份保險計劃裡! 試想像, 若擁有一份能完全顧及您生命及健康保障需求的保險計划, 該有多好 一份保費, 帶給您多種主要選擇性保益 只需繳付一份保費, 您便能高枕無憂, 並享有各種選擇性利益如頑疾, 住院及外科手術費用, 免繳保費, 個人意外保障及更多其它利益 # 視規則及條件而定 * 65 歲之前, 每名受保人的最高賠償限額為 RM4,000,000 欲知更多利益及普通不受保事項, 請翻閱保單契約 為您的需求度身訂造 此項保單讓您能隨心所欲的為自己及心愛的人選擇全部或部分供您選擇的選擇性保益 您可從全面的選擇性保益裡定制適合您人生財務規劃的不同需求 可負擔的保費 以單一保費就可附加多種選擇性保益, 這可說是市面上最經濟的保險計劃之一! 您可以選擇以每月 每三個月 每半年或每一年的方式繳付保費 受保證生效 這保單特點讓您能在保單生效后的首三 (3) 年享有持續的保障, 即使您的保單可能沒有足夠的單位來付清保單費用 # 免除麻煩, 方便無比 保單提供您全面的人壽及健康保障同時, 也讓您有机會賺取投資回酬, 可說是一舉多得 此項保單完全免除麻煩, 因您不需再購買多種保單, 也無須費神去了解几种不同保單的瑣事 全面的保險及投資利益 死亡或完全及永久傷殘 (TPD) 利益 若不幸離世, 賠償金包括基本投保額另加投資戶頭的餘額 若 Allianz PowerLink 保單在 TPD 的生效日起已附加刪減單位的附加保單,TPD* 的賠償金只包括基本投保額, 而投資戶頭的餘額則是在發生死亡事故後 才會獲得支付 這表示您可繼續享有附加保單提供的保險保障, 又或著您可選擇退保終止附加保單以獲取投資戶頭的餘額 另一方面, 若 Allianz PowerLink 保單在 TPD 的生效日起沒有附加刪減單位的附加保單,TPD 的賠償金則包括基本投保額另加投資戶頭的餘額 多种基金可供投資 您可根据個人風險承受程度及財務目標, 選擇投資任何一個 Allianz Life 投資聯結基金 您也可選擇投資在几种不同的基金裡 您的投資有潛能賺取可觀回酬 **, 以應付您未來的財務需求 所有投資聯結基金皆在獲得 Allianz 集團的忠告及全球專業的鑒定下, 由我們的專業基金經理妥善管理 ** 從投資戶頭里的余額所賺取的潛在回酬, 將視投資市場的表現而定 以往的基金表現不應被視為未來基金表現的保證 保單利益將根据基金的表現而起落 保單的投資風險須由保單持有人獨自承擔 保費分配 您所繳付的保費可被分成投資保費及保險保費, 胥視您的年齡 保費及基本投保額而定 95% 的投資保費將分配于您所選擇的 Allianz Life 投資聯結基金, 而保險保費的分配則如以下說明表為准 :

6 保單年份 已繳保險保費 保險保費的分配率 1 RM1,200 45% RM RM1,200 45% RM RM1,200 65% RM RM1,200 75% RM RM1,200 80% RM RM1,200 90% RM1, RM1, % RM1, 年及以上 RM1, % RM1,212 其它利益 一旦斷保或保單屆滿, 投資戶頭的余額將用來支付保費 您可選擇在更改或不更改保費的情況下, 更換保障及投資數額 您可隨意為保費加額以獲取更高投資回酬,95% 的加額將用在投資上 ( 最低加額為 RM500) 依据您的喜好, 隨時轉換基金 有必要時可從戶頭提取部份存款 費用 除了基金管理費外, 所有費用乃透過刪減保單持有人的投資戶頭單位的方式來征收 這包括基本人壽保險保障及其它內含的選擇性利益所涉及之費用 保險保障及選擇性利益的總費用, 胥視所選擇的保險保障种類及數額而定, 也包括其它因素例如年齡 性別及是否吸煙等 服務費 - 每月 RM7.42 ( 包括 GST) 基金管理費 - 每年 0.75% % 加額費 - 轉換費 每次委托 RM26.50 ( 包括 GST) 每投保年五次免費轉換, 隨后的任何轉換將征收 RM10.60( 包括 GST) 注 : 這是一項与基礎資產表現連結的保險產品, 而非如單位信託一般的純粹的投資產品 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. Please refer to the Policy Contract for further information as the exclusions and limitations of benefits highlighted are not exhaustive. We have the right to revise the rates, charges, 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 Policy is a long-term 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. If You terminate Your Policy before the end of coverage term, You will receive the balance in investment account based on the next valuation day on or after the approval date of Your termination. This amount is not guaranteed and may be less than the amount of premiums paid. In cases where the purchase involves a premium of sizable amount (RM5,000 and above), the prospect should consider purchasing single premium investment-linked Policy rather than an annual premium Policy as it offers better allocation rates for investments. If premium remains unpaid on the due date, the Policy shall be kept in force by effecting a premium holiday. However, there would be a possibility of the Policy lapsing if the value of the investment-linked funds units available is insufficient to pay for all the charges for the basic Policy and rider(s). 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 not advisable to attach too many unit-deducting riders 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 informasi yang diberikan adalah tidak lengkap and menyeluruh. Anda perlu merujuk kepada Lembaran Pendedahan Produk dan Ilustrasi Jualan untuk maklumat lebih terperinci. Kedua-dua Lembaran Pendedahan Produk dan Ilustrasi Jualan boleh didapatkan daripada ejen yang berkhidmat kepada anda. Sila rujuk kepada Kontrak Polisi untuk keterangan lanjutan memandangkan pengecualian-pengecualian dan had-had faedah yang dinyatakan adalah tidak menyeluruh. Kami berhak mengubah kadar-kadar, yuran-yuran, terma-terma dan syarat-syarat. Anda akan diberitahu secara bertulis tentang perubahan tersebut sekurang-kurangnya tiga (3) bulan sebelum pembaharuan polisi. Anda harus berpuas hati bahawa pelan ini dapat memenuhi keperluan Anda dan Anda mampu membayar premium untuk pelan ini. Membeli polisi insurans adalah satu tanggungan jangka masa panjang dan Anda dinasihatkan supaya tidak memegang polisi ini untuk jangka masa yang pendek memandangkan kos permulaan yang tinggi. 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 syaratsyarat yang dinyatakan dalam Kontrak Polisi. Dalam kes di mana pembelian melibatkan jumlah premium yang tinggi (RM5,000 dan ke atas), seseorang prospek harus mempertimbangkan untuk membeli polisi premium tunggal berkaitan-pelaburan dan bukan polisi premium tahunan kerana ia memberi kadar pembahagian pelaburan yang lebih baik. Sekiranya premium tidak dibayar pada tarikh perlu dibayar, polisi akan terus berkuatkuasa dengan mengaktifkan tempoh bebas premium. Tetapi terdapat kemungkinan polisi akan luput sekiranya nilai unit dana berkaitan-pelaburan yang sedia ada tidak mencukupi untuk membayar semua caj bagi polisi asas dan pelan tambahan. Anda akan diberikan suatu tempoh penangguhan selama tiga puluh satu (31) hari untuk menjelaskan premium Anda, di mana polisi tersebut tetap berkuatkuasa dalam tempoh berkenaan. Namun demikian, Polisi tersebut akan luput pada akhir tempoh penangguhan jika mana-mana insurans dan caj-caj lain tetap tidak dibayar pada akhir tempoh penangguhan. Oleh sebab itu, Anda dinasihatkan supaya tidak menambahkan terlalu banyak pelan tambahan dengan pemotongan unit kepada polisi ini. 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