AXA-Wealth Edu Brochure (2015)

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1 Investment-Linked I want the BEST for my child... starting from NOW Wealth Edu An investment-linked insurance plan that complements your education savings

2 a comprehensive plan to show your love to your child Parental love is one of the greatest love in the world. It has always been the dream of parents to provide their child with the very best that life offers, be it for education or the freedom to choose their own growing path. Wealth Edu helps you to fulfil your child s dreams and aspiration. But, most of these goals have a price tag attached. Unless you plan your finances carefully, you may not be able to provide the required economic support to your child when you need it the most. So, start planning today for your child s tomorrow and put him/her one step closer to his/ her dreams. Key Benefits at a Glance: 1 Education Bonus to grow your education savings 2 flexible premium contribution to cater to your financial needs 3 flexible investment options to help you gain more returns 4 value-added education concierge services just a call away 5 enjoy all-round protection and peace of mind

3 benefits for you and your loved ones Education Bonus to grow your education savings You will receive Education Bonus of 2% on the average of the past 60 months account value every year starting from the age of 19 until the age of 23 of your child. The Education Bonus will be allocated into your investment-linked funds to enjoy better growth potential. While saving for your child s education, the Education Bonus comes just in time as a graduation fund or a head start fund for the second phase of your child s life. Note: All premiums must be paid up-to-date to be eligible for this bonus.... flexible premium contribution to cater to your financial needs annual regular premium Your annual regular premium will support your financial protection coverage. The premium paid will be allocated to purchase units in the funds you selected. Premium allocation: Insured s Policy Year Entry Age and below 40% 50% 60% 70% 90% 90% 100% 4 42% 52% 61% 71% 91% 91% 100% 5 44% 54% 62% 72% 92% 92% 100% 6 46% 56% 63% 73% 93% 93% 100% 7 48% 58% 64% 74% 94% 94% 100% 8 50% 60% 65% 75% 95% 95% 100% 9 52% 62% 66% 76% 96% 96% 100% 10 54% 64% 67% 77% 97% 97% 100% 11 56% 66% 68% 78% 98% 98% 100% 12 58% 68% 69% 79% 99% 99% 100% 13 60% 70% 70% 82% 99% 99% 100% regular top-up or one-off lump sum premium If you wish to increase your potential returns, you can top-up additional premiums without affecting your existing coverage. You can pay it regularly together with your basic premium or as a lump sum investment at any time. Premium allocation for top-up is 95%. The portion of the premiums that is not allocated into units (i.e. unallocated premiums) is referred to as Premium Charge. Premium Charge covers commission paid to intermediaries and other management expenses related to the policy.

4 flexible investment options to help you gain more returns access to local and regional markets to enhance your returns You have a choice to invest in different investment funds across both local and regional markets to diversify and balance the risks of your investment portfolio. Please refer to the fund fact sheets currently available and the investment policy of each fund. switch your investment from one fund to another anytime! Your investment objective may change over time. Wealth Edu gives you a greater flexibility to reallocate your investment funds or to change your funds selection. (subject to switching fee s condition). withdraw your investment anytime! Your financial objectives may change as your child grows up. Wealth Edu allows you to withdraw your investment funds in part to accommodate your financial needs, at any time (subject to partial withdrawal limits). top-up your investment anytime! You may have extra cash to invest or wish to increase your regular investment in meeting your changing financial needs. Wealth Edu allows you to top-up your investment funds at any time to accelerate your child s education savings.... value-added education concierge services just a call away We understand the added burden of obtaining information with regards to the various college or university related arrangements that you may face when it is time for your child to attend college or university. To ease your burden, this plan comes with the education concierge services. This is a value-added service that provides general enquiries with regards to the following services for education purposes: (1) accommodation referral (2) university referral (3) student visa and immigration information (4) excess baggage storage facility referral and arrangement (5) airline reservation (6) logistics referral and arrangement (7) vaccinations information Note: For services other than merely consultative, there will be expenses incurred and the related charges imposed shall be borne by you. Please refer to the Policy Contract for the detailed terms and conditions.

5 enjoy all-round protection and peace of mind protection on death and Total and Permanent Disability (TPD) In the unfortunate event of death or TPD of your child prior to age 23, you will receive the higher of your account value or the basic sum insured less all withdrawals made within 12 months prior to the unfortunate event. To safeguard your child s education savings, you may attach the Parent Premium Payor rider for peace of mind that your child s education plan will not be affected and compromised should an unfortunate event befalls you. flexible options to build various contingency funds You can combine Wealth Edu with a wide range of supplementary insurance we offer to make the perfect combination to meet your needs. While additional insurance charges are required for supplementary insurance, the peace of mind that comes with it is priceless. Parent Premium Payor Premium Payor Parent Premium Payor will contribute future regular premiums (excluding regular or lump sum top-up premium) until maturity of the plan upon your death, TPD or diagnosis of a critical illness. Premium Payor will contribute future regular premiums (excluding regular or lump sum top-up premium) until maturity of the plan upon TPD or diagnosis of a critical illness of your child. recommended package for your child Wealth Edu Parent Premium Payor Critical Illness HOPE Medic Hospital Income Benefit Protects your child against 36 critical illnesses. A lump sum payment to see you through your child s treatments and recuperation. A comprehensive medical coverage that helps you take care of your child s major medical bills. Provides daily income benefit upon your child s admission to hospital due to illness or accident. tax relief of up to RM3,000 per year With the attachment of Parent Premium Payor rider to this plan, premiums paid are eligible for income tax relief of up to RM3,000 for medical and educational insurance. However, the eligibility for tax relief is subject to the Malaysian Income Tax Act, 1967, and the final decision of the Inland Revenue Board. you can enjoy the waiver of your first year insurance charge of these supplementary coverage! To provide you with the best possible financial protection, the first year insurance charge for all supplementary insurance attached to your plan will be waived. Note: If the plan or supplementary insurance is cancelled (including reduction of supplementary insurance coverage) within the first 2 policy years, supplementary insurance charges and its GST amount (if applicable) will be clawed back.

6 frequently asked questions How do I make a claim? Call us at from Monday to Thursday between 8.30 am and 5.30 pm; and Friday between 8:30 am and 5:00 pm (except public holidays). We will make things as easy as possible for you. Who can be insured under Wealth Edu? Anyone aged between 15 days and 13 years old. How long do I need to pay the premiums for? Premiums are payable up to age 23 of the child. You can pay your premiums monthly, quarterly, half-yearly or yearly. How do I track the fund performance? Unit prices are published daily in major newspapers and on our official website at What are the fees* involved? Service Charge RM6 per month is applied to the basic plan. Insurance Charge Fund Switching Partial Withdrawal Insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge varies according to your or your child s attained age, gender, occupation, medical rating and smoking status. Free for the first 4 switches each policy year. Subsequent switches within the policy year will incur a fee of RM30 for each transaction. No charge for partial withdrawal transactions. The minimum amount to withdraw is RM1,000 and the account balance must be at least RM1,000. Fund Management Fees Active Bond Fund 1.00% p.a. Active Balanced Fund 1.25% p.a. Dana Imbang** 1.25% p.a. Asia Pacific Growth Fund 1.50% p.a. * These fees are not guaranteed and may be varied from time to time. We will notify you in writing not less than 3 months or such shorter period as agreed with the regulator for any change of the fees or imposing new fees. All fees and charges will be subjected to GST. ** Dana Imbang aims to provide a steady income and capital growth over the medium to long term period by investing in Shariah-approved securities. The investment-linked insurance plan itself is not a Shariah-compliant product.

7 important notes We believe it is important that you fully appreciate and understand all the benefits and charges under your plan. 1. This insurance plan is underwritten by AXA AFFIN Life Insurance Berhad ( W), a company licensed under the Financial Serivces Act 2013 and regulated by Bank Negara Malaysia. 2. Wealth Edu is a regular premium investment-linked insurance plan that offers a combination of insurance protection and investment. 3. Policy benefits will fluctuate based on the performance of your chosen funds. The investment risks under this plan will be borne solely by you. 4. You should ask for and study the sales illustration pertaining to your plan, paying particular attention to the non-guaranteed benefits. 5. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. 6. Buying a regular premium life policy is a long term commitment and it is not advisable to hold your policy for a short period of time in view of the high initial costs. If you surrender your policy in the early years, you may get back less than the amount you have paid in. 7. You are given 31 days of grace period after the due date to make your premium payment. If you did not pay your premium at the end of the grace period, your account value (if any) will be used to pay future premiums. If the account value is not enough to pay for such outstanding premiums, then your policy will lapse. 8. If you are not completely satisfied with the policy, you may cancel your policy by returning the policy within 15 days from the date of your receipt of this policy. We will then refund the unallocated premiums, value of units that have been allocated (if any) at next valuation date and any insurance and policy charges that have been deducted less any medical expenses incurred. 9. In the event of non-payment of the premium, premium holiday will be applied to your policy where only the applicable relevant charges will be deducted from the account value. Premium holiday will continue as long as the account value in your policy is sufficient to pay for the relevant charges and you should consider the possibility of the policy lapsing when the required charges exceed your account value. 10. This insurance plan does not cover: a. Suicide within 1 year from the issue date or any date of reinstatement, whichever is later. b. TPD resulting from intentional self-inflicted injury; any act due to war, declared or not; or military, naval or air service for any country at war, declared or not. 11. This brochure contains only general information about the product and does not in any way represent a policy. For a detailed description of the terms and conditions and exclusions of the product please refer to the official policy issued by AXA AFFIN Life Insurance Berhad. 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.

8 pelan yang menyeluruh demi anak anda yang tersayang Kasih sayang ibu bapa tiada tandingannya di dunia. Sememangnya impian ibu bapa untuk menyediakan yang terbaik dalam kehidupan anak mereka, sama ada pendidikan ataupun kebebasan untuk menentukan hala tuju hidup anak mereka. Wealth Edu membantu anda mengotakan impian dan aspirasi anak anda. Namun, kebanyakan matlamat tersebut mempunyai tanda harga yang disertakan. Melainkan anda merancang kewangan anda dengan teliti, anda mungkin tidak dapat menyediakan sokongan ekonomi yang diperlukan oleh anak anda apabila anda paling memerlukannya. Jadi, mulakan perancangan anda hari ini demi masa hadapan anak anda. Manfaat Utama Sepintas Lalu: 1 Bonus Pendidikan untuk meningkatkan simpanan pendidikan anda 2 sumbangan premium fleksibel untuk memenuhi keperluan kewangan anda 3 pilihan pelaburan fleksibel untuk meningkatkan pulangan anda 4 konsultasi pendidikan hanya dengan satu panggilan telefon 5 nikmati perlindungan yang menyeluruh dan ketenangan minda

9 manfaat untuk anda dan mereka yang tersayang Bonus Pendidikan untuk meningkatkan simpanan pendidikan anda Anda akan menerima Bonus Pendidikan sebanyak 2% atas purata nilai akaun anda sepanjang 60 bulan lepas pada setiap tahun bermula dengan anak anda berusia 19 tahun sehingga 23 tahun. Bonus Pendidikan akan diperuntukkan ke dalam dana berkaitanpelaburan anda untuk menikmati potensi pertumbuhan yang lebih baik. Bonus Pendidikan ini juga boleh dijadikan tabung pengijazahan ataupun penyediaan untuk anak anda bagi memulakan fasa kedua dalam hidup mereka. Nota: Semua premium mesti dibayar sepenuhnya untuk layak menerima bonus ini. sumbangan premium fleksibel bagi memenuhi keperluan kewangan anda premium berkala tahunan Premium berkala tahunan anda akan menyumbang kepada perlindungan kewangan anda. Premium yang dibayar akan diperuntukkan untuk membeli unit di dalam dana pilihan anda. Pengagihan premium: Umur Kemasukkan Tahun Polisi Hayat Diinsurankan tahun dan ke bawah 40% 50% 60% 70% 90% 90% 100% 4 42% 52% 61% 71% 91% 91% 100% 5 44% 54% 62% 72% 92% 92% 100% 6 46% 56% 63% 73% 93% 93% 100% 7 48% 57% 64% 74% 94% 94% 100% 8 50% 60% 65% 75% 95% 95% 100% 9 52% 62% 66% 76% 96% 96% 100% 10 54% 64% 67% 77% 97% 97% 100% 11 56% 66% 68% 78% 98% 98% 100% 12 58% 68% 69% 79% 99% 99% 100% 13 60% 70% 70% 82% 99% 99% 100% premium tambahan berkala atau premium tambahan sekaligus Jika anda mahu meningkatkan pulangan pelaburan anda tanpa mengubah perlindungan insurans sedia ada, anda boleh membayar premium tambahan. Anda boleh membayarnya secara berkala bersama dengan premium asas atau membuat pembayaran sekaligus pada bila-bila masa. Peruntukan premium untuk tambahan adalah 95%. Bahagian premium yang tidak diperuntukkan ke dalam unit (i.e. premium tidak diperuntukkan) dirujuk sebagai Caj Premium. Caj Premium merangkumi pembayaran komisen kepada pengantara dan perbelanjaan syarikat yang berkaitan Polisi.

10 pilihan pelaburan fleksibel untuk meningkatkan pulangan anda akses kepada pasaran tempatan dan serantau untuk meningkatkan pulangan anda Anda mempunyai pilihan untuk melabur dalam pelbagai dana pelaburan di dalam pasaran tempatan dan serantau untuk mempelbagai dan mengimbangkan risiko portfolio pelaburan anda. Sila rujuk kepada lampiran fakta dana yang sedia ada dan polisi pelaburan bagi setiap dana. tukar pelaburan anda dari satu dana ke dana yang lain - bila-bila masa! Objektif pelaburan anda mungkin berubah dari semasa ke semasa. Wealth Edu memberikan anda fleksibiliti untuk mengagih semula peruntukan pelaburan anda atau menukar pilihan dana anda (tertakluk kepada syarat yuran penukaran). keluarkan pelaburan anda - bila-bila masa! Objektif kewangan anda mungkin berubah apabila anak anda semakin membesar. Wealth Edu membenarkan anda mengeluarkan sebahagian daripada dana pelaburan anda untuk memenuhi keperluan kewangan anda pada bila-bila masa (tertakluk kepada had pengeluaran separa). tambah nilai pelaburan anda - bila-bila masa! Bagi memenuhi keperluan kewangan yang berubah-ubah, anda boleh melabur atau menggunakan lebihan tunai anda untuk meningkatkan pelaburan yang sedia ada. Wealth Edu membenarkan anda untuk menambah nilai dana pelaburan anda pada bila-bila masa bagi mempercepatkan simpanan pendidikan anak anda.... konsultasi pendidikan hanya dengan satu panggilan telefon Kami memahami beban tambahan yang mungkin ditanggung untuk mendapatkan maklumat berkenaan pelbagai aturan berkaitan kolej atau universiti apabila tiba masanya untuk anak anda menghadiri kolej atau universiti. Untuk meringankan beban anda, pelan ini dilengkapi dengan konsultasi pendidikan. Ini adalah perkhidmatan nilai tambahan yang menyediakan maklumat am tentang perkhidmatan berkaitan pendidikan seperti yang berikut: (1) rujukan penginapan (2) rujukan universiti (3) maklumat visa pelajar dan imigresen (4) rujukan dan aturan bagi kemudahan menyimpan bagasi lebihan (5) tempahan penerbangan (6) rujukan dan aturan logistik (7) maklumat vaksinasi Nota: Untuk perkhidmatan lain yang tidak bersifat konsultasi, perbelanjaan dan caj berkaitan akan ditanggung oleh anda. Sila rujuk kepada Kontrak Polisi untuk terma-terma dan syarat-syarat terperinci.

11 nikmati perlindungan yang menyeluruh dan ketenangan minda perlindungan untuk kematian dan Hilang Upaya Menyeluruh dan Kekal (TPD) Sekiranya anak anda meninggal dunia atau mengalami TPD sebelum berumur 23 tahun, anda akan menerima jumlah yang lebih tinggi antara nilai akaun anda dan jumlah asas diinsuranskan selepas menolak semua pengeluaran yang telah dibuat sepanjang 12 bulan sebelum berlakunya kejadian. Bagi melindungi simpanan pendidikan anak anda, anda boleh gabungkan rider Parent Premium Payor demi ketenangan minda untuk memastikan pelan pendidikan anak anda tidak akan terjejas sekiranya peristiwa yang tidak dijangka menimpa anda. pilihan fleksibel untuk membina pelbagai dana kecemasan Anda boleh menggabungkan Wealth Edu dengan pelbagai insurans tambahan yang kami menawarkan untuk membuat kombinasi yang sempurna bagi memenuhi keperluan anda. Meskipun anda perlu membayar caj insurans tambahan bagi insurans tambahan, ketenangan minda yang akan dikecapi adalah tidak ternilai. Parent Premium Payor Premium Payor Parent Premium Payor akan menyumbangkan premium berkala masa depan (kecuali premium tambah nilai berkala atau sekaligus) sehingga kematangan pelan ketika anda meninggal dunia, mengalami TPD atau didiagnosis dengan penyakit kritikal. Premium Payor akan menyumbangkan premium berkala masa depan (kecuali premium tambah nilai berkala atau sekaligus) sehingga kematangan pelan ketika anak anda meninggal dunia, mengalami TPD atau didiagnosis dengan penyakit kritikal. Cadangan pakej untuk anak anda Wealth Edu Parent Premium Payor Critical Illness HOPE Medic Hospital Income Benefit Melindungi anak anda daripada 36 penyakit kritikal. Pembayaran sekaligus untuk memudahkan rawatan dan pemulihan anak anda. Perlindungan perubatan menyeluruh untuk membantu anda membayar bil perubatan anak anda. Menyediakan manfaat tunai harian apabila anak anda dimasukkan ke hospital atas sebab penyakit atau kemalangan. pelepasan cukai sehingga RM3,000 setahun Dengan lampiran rider Parent Premium Payor kepada pelan ini, premium yang dibayar layak menerima pelepasan cukai pendapatan sehingga RM3,000 bagi insurans perubatan dan pendidikan. Walaubagaimanapun, kelayakan untuk pelepasan cukai adalah tertakluk kepada Akta Cukai Pendapatan Malaysia, 1967 dan keputusan muktamad Lembaga Hasil Dalam Negeri. nikmatilah pengecualian caj insurans tahun pertama dengan perlindungan tambahan ini! Untuk memastikan perlindungan kewangan yang terbaik buat anda, caj insurans tahun pertama bagi semua insurans tambahan yang dilampirkan bersama pelan anda akan dikecualikan. Nota: Jika pelan atau insurans tambahan dibatalkan (termasuk pengurangan perlindungan insurans tambahan) dalam tempoh 2 tahun pertama polisi, caj insurans tambahan dan amaun GST (jika berkenaan) akan dituntut semula.

12 soalan kerap ditanya Bagaimana cara membuat tuntutan? Hubungi kami di dari Isnin hingga Khamis antara 8:30 pagi dan 5:30 petang dan Jumaat antara 8:30 pagi dan 5:00 petang (kecuali cuti am). Kami akan berusaha untuk menjadikan proses semudah mungkin untuk anda. Siapakah yang boleh diinsuranskan di bawah Wealth Edu? Sesiapa yang berumur antara 15 hari dan 13 tahun. Berapa lama saya perlu membayar premium? Premium perlu dibayar sehingga anak anda berumur 23 tahun. Anda boleh membayar premium secara bulanan, suku tahunan, setengah tahunan atau tahunan. Bagaimana saya boleh mengikuti prestasi dana? Harga-harga unit diterbitkan setiap hari dalam surat khabar utama dan di laman web rasmi kami di Apakah yuran* yang perlu dibayar? Caj Perkhidmatan RM6 sebulan untuk pelan asas. Caj Insurans Penukaran Dana Pengeluaran Separa Caj insurans ditolak setiap bulan daripada nilai unit-unit anda untuk membayar perlindungan insurans anda. Caj Insurans berbeza menurut umur tercapai, jantina, pekerjaan, kadar perubatan dan status merokok anda serta anak anda. Percuma untuk empat penukaran pada setiap tahun polisi. Penukaran seterusnya di dalam tahun polisi akan dikenakan yuran RM30 bagi setiap transaksi. Tiada caj untuk transaksi pengeluaran separa. Jumlah minimum untuk pengeluaran adalah RM1,000 dan baki akaun mesti berjumlah sekurang-kurangnya RM1,000. Yuran Pengurusan Dana Active Bond Fund 1.00% setahun Active Balanced Fund 1.25% setahun Dana Imbang** 1.25% setahun Asia Pacific Growth Fund 1.50% setahun * Yuran-yuran ini tidak tetap dan mungkin berubah dari masa ke masa. Kami akan memberitahu anda secara bertulis tidak kurang dari 90 hari atau tempoh yang lebih singkat sebagaimana dipersetujui oleh badan penguatkuasa tentang sebarang perubahan yuran atau pengenalan yuran baru. Semua yuran dan caj adalah tertakluk kepada GST. ** Dana Imbang bertujuan untuk memperoleh pulangan yang konsisten dan pertumbuhan modal melalui jangka sederhana ke jangka panjang dengan melabur dalam sekuriti yang diluluskan oleh Syariah. Pelan Berkaitan-Pelaburan tersebut bukan merupakan produk yang mematuhi Syariah.

13 nota penting Kami percaya bahawa ia adalah penting untuk anda menyedari dan memahami sepenuhnya kesemua manfaat dan caj di bawah pelan anda. 1. Pelan insurans ini diunderait oleh AXA AFFIN Life Insurance Berhad ( W), syarikat berlesen di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank Negara Malaysia. 2. Wealth Edu adalah pelan insurans berkaitan-pelaburan premium berkala yang menggabungkan perlindungan insurans dan pelaburan. 3. Faedah polisi akan berubah menurut prestasi dana pilihan anda. Risiko pelaburan di bawah pelan ini akan ditanggung oleh anda sepenuhnya. 4. Anda digalakkan meminta dan mengkaji ilustrasi jualan yang berkaitan dengan pelan anda, memberi perhatian teliti kepada manfaat yang tidak dijamin. 5. Anda harus memastikan bahawa pelan ini memenuhi keperluan anda dan anda mampu membayar premiumnya. 6. Membeli polisi hayat premium berkala adalah komitmen jangka panjang dan anda tidak digalakkan memegang polisi untuk tempoh yang singkat memandangkan kos permulaannya adalah tinggi. Jika anda menyerahkan polisi ini sebelum ia matang, anda mungkin memperolehi jumlah yang lebih kurang daripada jumlah yang telah dibayar. 7. Anda diberi tempoh penangguhan 31 hari selepas tarikh bayaran untuk membayar premium anda. Jika anda gagal membayar selepas tempoh penangguhan ini, nilai akaun anda (jika ada) akan digunakan untuk membayar premium masa depan. Jika nilai tunai tidak mencukupi untuk membayar premium tunggakan atau keberhutangan, polisi anda akan luput. 8. Jika anda tidak berpuas hati dengan polisi ini, anda boleh mengembalikan polisi dan meminta pembatalan polisi dalam tempoh 15 hari dari tarikh polisi dihantarkan kepada anda. Kami akan memulangkan premium yang belum diperuntukkan, nilai unit yang telah diperuntukkan (jika ada) pada tarikh penilaian yang akan datang dan sebarang caj insurans dan polisi yang telah dibayar ditolak sebarang perbelanjaan perubatan yang tertanggung. 9. Sekiranya berlaku ketidakbayaran premium, cuti premium akan digunakan untuk polisi anda di mana caj yang berkaitan sahaja akan ditolak daripada nilai akaun. Cuti premium akan berterusan selagi nilai akaun di dalam polisi anda adalah mencukupi untuk membayar caj yang berkaitan dan anda harus mempertimbangkan kemungkinan polisi anda akan luput jika caj yang perlu dibayar melebihi nilai akaun anda. 10. Pelan asas tidak melindungi: a. Bunuh diri dalam tempoh 1 tahun dari tarikh polisi atau sebarang tarikh pengembalian semula, yang mana lebih lewat. b. TPD akibat kecederaan yang dilakukan sendiri dengan sengaja; sebarang tindakan akibat perang, yang diisytiharkan atau tidak; atau berkhidmat sebagai tentera darat, tentera laut atau tentera udara mewakili mana-mana negara yang sedang berperang, yang diisytiharkan atau tidak. 11. Risalah ini hanya mengandungi maklumat am mengenai produk ini dan tidak mewakili sesuatu polisi dalam mana-mana cara sekalipun. Untuk penerangan terperinci terma dan syarat serta pengecualian produk ini, sila rujuk kepada polisi rasmi yang dikeluarkan oleh AXA AFFIN Life Insurance Berhad. Ini adalah produk insurans yang terikat dengan prestasi asset dan bukan produk pelaburan tulen seperti amanah saham.

14 Wealth Edu 主要利益摘要 :

15 % % 50% 60% 70% 90% 90% 100% 4 42% 52% 61% 71% 91% 91% 100% 5 44% 54% 62% 72% 92% 92% 100% 6 46% 56% 63% 73% 93% 93% 100% 7 48% 57% 64% 74% 94% 94% 100% 8 50% 60% 65% 75% 95% 95% 100% 9 52% 62% 66% 76% 96% 96% 100% 10 54% 64% 67% 77% 97% 97% 100% 11 56% 66% 68% 78% 98% 98% 100% 12 58% 68% 69% 79% 99% 99% 100% 13 60% 70% 70% 82% 99% 99% 100% 95%

16 ! Wealth Edu! Wealth Edu! Wealth Edu... (1) (2) (3) (4) (5) (6) (7)

17 23 12 Parent Premium Payor Wealth Edu Parent Premium Payor Premium Payor Parent Premium Payor Premium Payor 献给子女 Wealth Edu Parent Premium Payor Critical Illness 36 HOPE Medic Hospital Income Benefit RM3,000 Parent Premium Payor RM3, ! Wealth Edu

18 ? Wealth Edu? 15 13? 23? *? RM6 4 RM30 RM1,000 RM1,000 Active Bond Fund 1.00% p.a. Active Balanced Fund 1.25% p.a. Dana Imbang** 1.25% p.a. Asia Pacific Growth Fund 1.50% p.a. * 3 ** Dana Imbang

19 1. AXA AFFIN Life Insurance Berhad ( W) Wealth Edu a. b. 11. AXA AFFIN Life Insurance Berhad

20 Contact your agent for more information Our comprehensive range of insurance plans to meet your financial needs at every stage of your life: protection medical savings investment-linked Customer Care Centre March 2015 AXA AFFIN Life Insurance Berhad ( W) 8th Floor, Chulan Tower, No. 3 Jalan Conlay, Kuala Lumpur. Member of PIDM AXA AFFIN Life Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by AXA AFFIN Life Insurance Berhad are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from AXA AFFIN Life Insurance Berhad or visit PIDM website ( or call PIDM toll free line ( ).

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