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1 -LifeLink FLEXIBLE TO CHNGES IN LIFE The Ultimate Protection and Savings Plan PROTECTION PT0808/093 aia.com.my

2 -LifeLink -LifeLink -LifeLink Flexible to Changes in Life t every stage of our lives, we play different roles and our needs also change accordingly. -LifeLink gives you the flexibility to take charge of your life. Depending on your priorities, you can change the level of your protection and savings from time to time, to meet your ever-changing needs. What s more? -LifeLink provides you with nniversary Bonus, which increases your cover automatically without extra charges! Why -LifeLink? PROTECTION ND SVINGS in one plan. FLEXIBILITY in protection and savings. dditional cover through NNIVERSRY BONUS, with no further underwriting. 5-year Guaranteed COVERGE. Provided all the following conditions are met: i) ll the regular premiums and -Plus Saver premium (if any) have been paid on the due date or during the grace period; and ii) The premium holiday has never been exercised; and iii) No change in the policy that resulted in the increment of the Cost of Insurance or any reduction in the fund account value.

3 3 -LifeLink -LifeLink 4 closer look at the benefits... Protection and Savings in One Plan How is my premium being allocated? -LifeLink expires at age 00. It covers death and Total Permanent Disability (TPD). Wide range of optional riders and Investment-Linked Funds are available to meet your protection and savings needs. Flexibility in Protection and Savings ffordable premium from as low as RM 50 per month. Flexibility to increase or decrease the coverage according to your life stage needs. Flexibility to save more 3 when you have extra money or withdraw 4 the money when you need it. Flexibility to switch your funds according to your risk tolerance level. There are two types of accounts under the -LifeLink, namely Protection ccount and Savings ccount: No. Types of ccount Protection ccount Description ll allocated regular premium and ad-hoc top-up (if any) will be placed into this account. The allocated premium will be used to purchase units and the account value will be used to pay the Cost of Insurance and Monthly Service Charge. Savings ccount (-Plus Saver) The allocated -Plus Saver premium i.e. scheduled top-up, will be placed into this account. The allocated premium will be used to purchase unit to maximize your investment value. Unless your consent is given, the value of this account will not be used to pay the Cost of Insurance and Monthly Service Charge. dditional Cover through nniversary Bonus The nniversary Bonus increases your sum assured at % of the sum assured 5 starting from the beginning of nd policy year until 0% of the sum assured is reached. The sum assured for the optional critical illness rider i.e. -Plus CriticalCare will also be increased with the amount corresponding to the increase of this plan provided this critical illness rider is attached at policy inception. No additional cost will be imposed on the increasing sum assured under nniversary Bonus. 5-year Guaranteed Coverage This plan will continue to be in-force within the first 5 policy years even if your fund account value is insufficient to cover the Cost of Insurance and the Monthly Service Charge. TPD coverage is up to age Referring to top-up facility the minimum amount for any ad-hoc top-up is RM 500; the minimum amount for any scheduled top-up (-Plus Saver) is RM 0 per year. 4 Referring to partial withdrawal facility the minimum withdrawal amount is RM,000 and subject to the minimum remaining account value of RM, Subject to lower of initial sum assured or current sum assured, and it is limited to RM 500,000 per policy. The nniversary Bonus will be granted based on the policy year when the premium is last paid. However, the nniversary Bonus will not be payable upon surrender, lapse or maturity of the policy. Premium paid by you will be divided into: llocated Premium This amount will be used to purchase the units of your preferred Investment-Linked Fund(s). Unallocated Premium This amount is used to meet the Company expenses and direct distribution cost, including the commission payable to the agent. Types of Premium Policy Year >=7 Regular Premium Top Premium (d-hoc top-up and -Plus Saver premium) llocated Premium (%) % Note: The unallocated premium is equivalent to the premium paid less allocated premium

4 5 -LifeLink -LifeLink 6 I Investment Fund No. Investment Fund Investment Objective Instruments No. Investment Fund Investment Objective Instruments I Fixed Income Fund I Dana Bon* To provide a steady stream of income returns and medium to long-term capital appreciation whilst preserving the capital invested. To provide a steady stream of income returns and medium to long-term capital appreciation whilst preserving the capital invested. Invest in fixed income securities and money market instruments. Invest in Islamic fixed income securities and Islamic money market instruments. 0 I sian Debt Fund I Eleven Plus Fund To achieve capital security and high level income stream. To provide long-term capital growth. Invest through active management of a portfolio of USD denominated bonds from sian countries. Invest in large and smaller capitalization equities, and fixed income in the United States, Europe, Japan, sia Pacific and emerging markets. 3 I Balanced Fund To maximize total returns with reasonable safety of principal. Invest in a diversified portfolio of stocks, bonds and money market instrument. I International High Dividend Fund To achieve attractive capital gains and stable income stream. Invest in a diversified portfolio of shares issued by companies incorporated in the world and offering an attractive dividend. 4 5 I Dana Progresif* I Equity Dividend Fund To maximize medium to long-term capital appreciation. To seeks for steady capital growth and income. Invest in Shariah-approved securities listed on Bursa Malaysia and Islamic debt securities. Invest in a portfolio of stocks listed on the Bursa Malaysia which offer or have the potential to offer attractive dividend yields. 3 4 I New Horizon Fund I sia Opportunity Fund To provide medium to long-term capital growth. To provide capital appreciation over the medium to long-term. Invest in equity and equity-related securities of companies in both local and global markets permissible by prevailing regulations. Invest in equities and equity-related instruments in the sian region excluding Japan. 6 7 I Equity Plus Fund I Dana Dinamik* To maximize medium to long-term capital appreciation. To maximize medium to long-term capital appreciation. Invest in equity and equity-related securities listed on Bursa Malaysia. Invest in Shariah-approved securities listed on Bursa Malaysia. 5 I sian Equity Fund To achieve attractive capital gains. Invest in a diversified portfolio of shares issued by companies incorporated in sia excluding Japan and ustralia. 8 I ggressive Fund To maximize medium to long-term capital appreciation. Invest in equity and equity-related securities listed on Bursa Malaysia (skewed towards stocks that are traded below their IPO price). 6 I sia Platinum Fund To provide long-term capital growth. Invest in equity and equity-related securities of companies in three regional markets i.e. Greater China, India and Japan. 9 I Medium Cap Fund To maximize medium to long-term capital appreciation. Invest in small to medium capitalization equity and equity-related securities listed on Bursa Malaysia. 7 I International Small Cap Fund To provide long-term capital growth. Invest in equities and equity-related investments in small to medium sized companies whose assets, products or operations are in Europe, Southeast sia and Japan. * lthough the Funds invest in Shariah-approved securities, -LifeLink itself is not a Shariah-compliant product.

5 7 -LifeLink -LifeLink 8 Find the answers to your questions here What is -LifeLink? -LifeLink is a regular premium Investment-Linked Insurance plan. It provides coverage on death and TPD. This plan comes with nniversary Bonus which auto increases the sum assured. -LifeLink also provides the flexibility to enhance the coverage by offering a wide range of attachable riders. Note: This is an insurance plan tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. Who is eligible to buy -LifeLink? This plan is available to individuals aged between 4 days and 70 years old. What are the fees and charges that I have to pay? There will be a service charge which is deducted monthly via cancellation of units from your account value as follow: Premium Mode nnually Semi-annually uarterly Monthly Monthly Service Charge (RM) RM 5 RM 5 RM 5 RM 6 Please note that the Company reserves the right to revise the Monthly Service Charge by giving the policyholders 3 months prior written notice. How many funds are available for this plan? There are 7 Investment-Linked Funds available for this plan. You may refer to the Fund Fact Sheet for details. What is the coverage period for -LifeLink? This plan covers up to age 00, provided that the policy remains in force and the fund value is sufficient to pay for the insurance and other charges. m I eligible for fund switching and what are the charges for the fund switching? Yes, you are allowed to switch your funds according to your risk tolerance level, and there will be no switching fee imposed*. What is the minimum premium that I can purchase? The minimum premium for -LifeLink is RM,800 annually. How much Cost of Insurance do I have to pay? Please refer to the table below for some indicative Cost of Insurance (per RM,000 sum assured) for a non-smoker male of standard health: ge Cost of Insurance 0 years old RM years old RM years old RM.59 Will my Cost of Insurance increase as my age increases? For -LifeLink, the Cost of Insurance is deducted depending on your attained age and it will increase as your age increases. Is the Cost of Insurance for -LifeLink guaranteed? The Cost of Insurance for this plan is not guaranteed and the Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months written notice prior to the next policy anniversary. * The Company reserves the right to revise the switching fee. How do I know the unit price of my funds? The unit prices of I Investment Funds will be published in the major local newspapers and Company s website. What do I get upon surrender, maturity or death / TPD? Benefits ccount Value (no. of units X unit price) Sum ssured re the premiums paid for Surrender No -LifeLink Maturity eligible for income tax relief? Yes, the premiums paid for this plan may qualify you for a personal tax relief of up to RM 6,000 for annual life insurance premium and EPF, subject to the final decision of the Inland Revenue Board of Malaysia. No Death / TPD

6 9 -LifeLink -LifeLink 0 For your attention: General disclosures:. You should satisfy yourself that this plan will best serve your needs and that the premium payable under this policy is an amount you can afford.. If this policy is cancelled within the 5-day free look period, the unallocated premiums, value of units (if any), any insurance charges and Monthly Service Charge that have been deducted less medical expenses (if any) will be refunded. 3. You are advised to refer to the sales illustration for further information. 4. This plan does not cover death due to suicide within year from the Issue Date or Commencement Date of this policy, whichever is later. The standard exclusions for Total Permanent Disability are applicable. Please refer to the policy contract for the full details of the exclusions. 5. Premium duration is payable throughout the full policy term. Premium payments can be made annually, half-yearly, quarterly or monthly. 6. You may consider purchasing a Single Premium Investment-Linked Insurance plan to maximize your investment returns with minimal life protection. However, this option may not fulfill your life protection needs. Fund related disclosures:. You should be aware that any investment carries with it certain level of investment risks which will be borne solely by you.. Your policy account value is not guaranteed and fluctuates based on the performance of the I Investment Fund. The potential risks in investing in the funds are borne solely by you. 3. The underlying assets of each fund are valued on each business day to determine the unit price of a unit. 4. The Company reserves the right to suspend the issuance or redemption of units in any exceptional circumstances such as temporary closure of any relevant Registered Exchanges or possible adverse effect of a general sale of investment in a short period. This brochure contains only a brief description of the product and is not exhaustive. It is recommended that you request for a copy of the I Sales Illustration to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.

7 -LifeLink -LifeLink -LifeLink Fleksibel kepada Perubahan dalam Kehidupan Kita memainkan peranan yang berbeza dan keperluan kita juga berubah dengan sewajarnya pada setiap peringkat kehidupan. -LifeLink memberikan anda fleksibiliti untuk menguasai kehidupan anda. nda boleh mengubah tahap perlindungan dan simpanan anda dari semasa ke semasa untuk memenuhi keperluan anda yang sentiasa berubah, bergantung kepada keutamaan anda. Tambahan, -LifeLink juga meningkatkan perlindungan anda secara automatik tanpa kos tambahan melalui Bonus Ulang Tahun! Kenapa -LifeLink? PERLINDUNGN DN SIMPNN dalam satu pelan. FLEKSIBILITI dalam perlindungan dan simpanan. Perlindungan tambahan melalui BONUS ULNG THUN, tanpa penajajaminan lagi. PERLINDUNGN Terjamin 5 Tahun. Semua syarat-syarat berikut perlu dipenuhi: i) Semua premium tetap dan premium -Plus Saver (jika ada) telah dibayar pada tarikh genap tempoh premium atau dalam tempoh ihsan yang diberi, dan ii) Cuti premium tidak pernah diaktifkan; dan iii) Tiada perubahan dalam polisi yang menyebabkan kenaikan Kos Insurans atau sebarang pengurangan dalam nilai akaun dana.

8 3 -LifeLink Meneliti manfaat-manfaatnya Perlindungan dan Simpanan dalam Satu Pelan -LifeLink matang pada umur 00 tahun. Ia melindungi kematian dan Hilang Upaya Menyeluruh dan Kekal (HUMK). Pelbagai pilihan rider-rider dan dana-dana Berkaitan Pelaburan ditawarkan untuk memenuhi keperluan perlindungan dan simpanan anda. Fleksibiliti dalam Perlindungan dan Simpanan Premium yang mampu dibayar serendah RM 50 sebulan. Fleksibiliti untuk meningkatkan atau mengurang perlindungan mengikut tahap keperluan kehidupan anda. Fleksibiliti untuk menyimpan lebih 3 apabila anda mempunyai wang lebihan atau mengeluarkan 4 wang apabila anda memerlukannya. Fleksibiliti untuk menukar dana-dana anda mengikut tahap toleransi risiko anda. -LifeLink Bagaimanakah premium saya diperuntukkan? Terdapat dua jenis akaun di bawah -LifeLink iaitu kaun Perlindungan dan kaun Simpanan: No. Jenis kaun kaun Perlindungan kaun Simpanan (-Plus Saver) Butiran Semua premium tetap dan tambah nilai ad hoc (jika ada) yang diperuntukkan akan dimasukkan ke dalam akaun ini. Premium yang diperuntukkan akan digunakan untuk membeli unit-unit dan nilai akaun akan digunakan untuk membayar Kos Insurans dan Caj Perkhidmatan Bulanan. Premium -Plus Saver yang diperuntukkan seperti tambah nilai berjadual akan dimasukkan ke dalam akaun ini. Premium yang diperuntukkan akan digunakan untuk membeli unit-unit untuk memaksimumkan nilai pelaburan anda. Kecuali persetujuan anda diberi, nilai akaun untuk akaun ini tidak akan digunakan untuk membayar Kos Insurans dan Caj Perkhidmatan Bulanan. 4 Perlindungan Tambahan melalui Bonus Ulang Tahun Bonus Ulang Tahun akan meningkatkan jumlah diinsuranskan anda sebanyak % daripada jumlah diinsuranskan 5 dari awal tahun polisi ke- sehingga 0% daripada jumlah diinsuranskan dicapai. Jumlah diinsuranskan bagi rider pilihan penyakit kritikal seperti -Plus CriticalCare juga akan meningkat dengan jumlah yang sama dengan peningkatan pelan ini dengan syarat rider penyakit kritikal hendaklah dilampirkan pada permulaan polisi. Tiada kos tambahan akan dikenakan ke atas peningkatan jumlah diinsuranskan di bawah Bonus Ulang Tahun. Perlindungan Terjamin 5 Tahun Pelan ini akan terus berkuatkuasa dalam tempoh 5 tahun pertama polisi walaupun nilai akaun dana anda tidak mencukupi untuk membayar Kos Insurans dan Caj Perkhidmatan Bulanan. Perlindungan untuk HUMK adalah sehingga umur 70 tahun. 3 Merujuk kepada kemudahan tambah nilai amaun minimum untuk tambah nilai ad hoc ialah RM 500; amaun minimum untuk tambah nilai berjadual (-Plus Saver) ialah RM 0 setahun. 4 Merujuk kepada kemudahan pengeluaran separa amaun pengeluaran minimum adalah RM,000 dan tertakluk kepada baki nilai akaun minimum sebanyak RM, Tertakluk kepada jumlah diinsuranskan asal atau jumlah diinsuranskan semasa, yang mana lebih rendah dan terhad kepada RM 500,000 setiap polisi. Bonus Ulang Tahun akan diberi berdasarkan tahun polisi di mana premium terakhir dibayar. Walau bagaimanapun, Bonus Ulang Tahun tidak akan dibayar apabila polisi diserahkan, luput atau matang. Premium yang anda bayar akan dibahagikan kepada: Premium Diperuntukkan maun ini akan digunakan untuk membeli unit-unit dalam Dana-dana Berkaitan Pelaburan pilihan anda. Premium Tidak Diperuntukkan muan ini akan digunakan untuk membayar perbelanjaan Syarikat dan kos pengedaran langsung, termasuk komisen yang akan dibayar kepada ejen. Jenis Premium Tahun Polisi >=7 Premium Tetap Premium Tambah Nilai (Tambah nilai ad hoc dan premium -Plus Saver) Premium Diperuntukkan (%) Nota: Premium tidak diperuntukkan adalah bersamaan dengan premium yang telah dibayar ditolak premium diperuntukkan. 95%

9 5 -LifeLink -LifeLink 6 Dana Pelaburan I No. Dana Pelaburan Objektif Pelaburan Instrumen Dana Pendapatan Tetap I Dana Bon I* Untuk menyediakan aliran pendapatan yang mantap dan kenaikan modal jangka sederhana hingga jangka panjang sambil mengekalkan modal yang dilaburkan. Untuk menyediakan aliran pendapatan yang mantap dan kenaikan modal jangka sederhana hingga jangka panjang sambil mengekalkan modal yang dilaburkan. Melabur dalam sekuriti pendapatan tetap dan instrumen pasaran kewangan. Melabur dalam sekuriti pendapatan tetap Islam dan instrumen pasaran kewangan Islam. No. Dana Pelaburan Objektif Pelaburan Instrumen 0 Dana sian Debt I Dana Eleven Plus I Untuk mencapai keselamatan modal dan aliran pendapatan yang tinggi. Untuk menyediakan pertumbuhan modal jangka panjang. Melabur di dalam portfolio bon berdenominasi USD daripada negara-negara sia yang diuruskan secara aktif. Melabur di dalam ekuiti permodalan besar serta lebih kecil, dan pendapatan tetap dalam merika Syarikat, Eropah, Jepun, sia Pasifik dan pasaran-pasaran yang sedang muncul Dana Imbang I Dana Progresif I* Dana Dividen Ekuiti I Dana Ekuiti Plus I Dana Dinamik I* Dana gresif I Dana Modal Sederhana I Untuk memaksimumkan jumlah pulangan dengan tahap keselamatan modal yang munasabah. Untuk memaksimumkan kenaikan modal jangka sederhana hingga jangka panjang. Untuk menyediakan pertumbuhan modal dan pendapatan stabil. Untuk memaksimumkan kenaikan modal jangka sederhana hingga jangka panjang. Untuk memaksimumkan kenaikan modal jangka sederhana hingga jangka panjang. Untuk memaksimumkan kenaikan modal jangka sederhana hingga jangka panjang. Untuk memaksimumkan kenaikan modal jangka sederhana hingga jangka panjang. Melabur dalam portfolio pelbagai yang terdiri daripada saham, bon dan instrumen pasaran kewangan. Melabur dalam sekuriti yang diluluskan oleh Shariah yang disenaraikan di Bursa Malaysia dan sekuriti hutang Islam. Melabur dalam portfolio saham yang disenaraikan di Bursa Malaysia yang menawarkan atau mempunyai potensi untuk menawarkan hasil dividen yang menarik. Melabur dalam ekuiti dan sekuriti berkaitan ekuiti yang disenaraikan di Bursa Malaysia. Melabur dalam sekuriti yang diluluskan oleh Shariah yang disenaraikan di Bursa Malaysia. Melabur dalam ekuiti dan sekuriti berkaitan ekuiti yang disenaraikan di Bursa Malaysia (tertumpu kepada saham-saham yang diniagakan pada harga yang kurang daripada Tawaran wam Permulaan (IPO) mereka). Melabur dalam ekuiti permodalan kecil hingga sederhana dan sekuriti berkaitan ekuiti yang disenaraikan di Bursa Malaysia Dana Dividen Tinggi ntarabangsa I Dana Horizon Baru I Dana sia Opportunity I Dana sian Equity I Dana sia Platinum I Dana Modal Kecil ntarabangsa I Untuk mencapai pertumbuhan modal dan pendapatan stabil yang menarik. Untuk menyediakan kenaikan modal jangka sederhana hingga jangka panjang. Untuk menyediakan kenaikan modal jangka sederhana hingga jangka panjang. Untuk mencapai pertumbuhan modal yang menarik. Untuk menyediakan pertumbuhan modal jangka panjang. Untuk menyediakan pertumbuhan modal jangka panjang. Melabur dalam portfolio pelbagai yang terdiri daripada saham yang diterbitkan oleh syarikat-syarikat yang diperbadankan di dunia dan menawarkan dividen yang menarik. Melabur dalam ekuiti dan sekuriti berkaitan ekuiti syarikat-syarikat yang berada dalam pasaran tempatan dan luar negara yang dibenarkan mengikut peraturan semasa. Melabur dalam ekuiti dan instrumen berkaitan ekuiti dalam pasaran sia tidak termasuk Jepun. Melabur dalam portfolio pelbagai saham yang diterbitkan oleh syarikat-syarikat yang diperbadankan di sia kecuali Jepun dan ustralia. Melabur dalam ekuiti dan sekuriti berkaitan ekuiti syarikat-syarikat di dalam tiga pasaran serantau iaitu Greater China, India dan Jepun. Melabur dalam ekuiti dan pelaburan berkaitan ekuiti dalam syarikat kecil hingga sederhana yang mempunyai aset, produk dan operasinya di Eropah, sia Tenggara dan Jepun. *Walaupun Dana-Dana melabur dalam sekuriti yang diluluskan oleh Shariah, -LifeLink sendiri bukanlah produk yang berlandaskan Shariah.

10 7 -LifeLink -LifeLink 8 Dapatkan jawapan kepada soalan-soalan anda di sini pakah itu -LifeLink? -LifeLink merupakan pelan Insurans Berkaitan Pelaburan berpremium tetap. Ia menyediakan perlindungan ke atas kematian dan HUMK. Pelan ini dilengkapi dengan Bonus Ulang Tahun yang meningkatkan jumlah diinsuranskan secara automatik. -LifeLink juga menyediakan fleksibiliti untuk meningkatkan perlindungan anda dengan menawarkan pelbagai rider-rider untuk dilampirkan. Nota: Ia merupakan produk insurans yang dikaitkan dengan prestasi aset yang didasarinya dan bukan produk pelaburan tulen seperti unit amanah. Siapakah yang layak membeli -LifeLink? Pelan ini boleh disertai oleh individu yang berumur di antara 4 hari dan 70 tahun. pakah tempoh perlindungan untuk -LifeLink? Pelan ini melindungi sehingga umur 00 tahun, dengan syarat polisi itu masih berkuatkuasa dan nilai dana adalah mencukupi untuk membayar caj-caj insurans dan caj-caj lain. Berapakah premium minimum yang boleh saya beli? Premium minimum untuk -LifeLink ialah RM,800 setahun. Berapakah Kos Insurans yang perlu saya bayar? Sila rujuk kepada jadual di bawah untuk beberapa Kos Insurans indikatif (untuk setiap RM,000 jumlah diinsuranskan) bagi lelaki bukan perokok daripada kesihatan standard: Umur Kos Insurans 0 tahun RM tahun RM tahun RM.59 dakah Kos Insurans saya akan meningkat apabila umur saya meningkat? Untuk -LifeLink, Kos Insurans yang ditolak akan bergantung kepada umur yang anda capai dan akan meningkat apabila umur anda meningkat. dakah Kos Insurans untuk -LifeLink terjamin? Kos Insurans untuk pelan ini adalah tidak terjamin dan Syarikat berhak untuk mengubah Kos Insurans dengan memberi notis bertulis 3 bulan terdahulu kepada pemegang polisi sebelum ulang tahun polisi berikutnya. pakah yuran-yuran dan caj-caj yang perlu saya bayar? Terdapat caj perkhidmatan yang akan ditolak setiap bulan melalui pembatalan unit-unit daripada nilai akaun anda seperti berikut: Mod Bayaran Caj Perkhidmatan Bulanan (RM) Tahunan Setengah Tahun Suku Tahunan Bulanan RM 5 RM 5 RM 5 RM 6 Sila ambil perhatian bahawa Syarikat berhak untuk mengubah Caj Perkhidmatan Bulanan dengan memberi notis bertulis 3 bulan terdahulu kepada pemegang polisi. Berapakah dana-dana yang terdapat untuk pelan ini? Terdapat 7 Dana Berkaitan Pelaburan untuk pelan ini. nda boleh merujuk kepada Lembaran Fakta Dana untuk maklumat lanjut. Bolehkah saya menukar dana dan berapakah yuran pertukaran dana? Ya, anda dibenarkan untuk menukar dana mengikut tahap toleransi risiko anda dan tiada yuran pertukaran dana akan dikenakan*. * Syarikat berhak untuk mengubah yuran pertukaran. Bagaimanakah boleh saya tahu harga unit dana-dana saya? Harga-harga unit Dana Pelaburan I akan diterbitkan di akhbar-akhbar tempatan utama dan di laman web Syarikat. pa yang saya dapat pada serahan, kematangan, atau kematian / HUMK? Manfaat Nilai kaun (bil. unit X harga unit) Jumlah Diinsuranskan Serahan Tidak dakah premium-premium yang dibayar untuk pelepasan cukai? Kematangan Tidak -LifeLink Kematian / HUMK layak mendapat Ya, premium-premium yang dibayar untuk pelan ini melayakkan anda mendapat pelepasan cukai perseorangan sehingga RM 6,000 untuk premium insurans hayat tahunan dan KWSP, tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia.

11 9 -LifeLink -LifeLink 0 Untuk perhatian anda: Pendedahan am:. nda harus memastikan pelan ini memenuhi keperluan anda dan anda mampu membayar amaun premium yang perlu dibayar di bawah polisi ini.. Jika polisi ini dibatalkan dalam tempoh percubaan 5 hari, premium polisi asas yang tidak diperuntukkan, nilai unit (jika ada), sebarang caj insurans dan Caj Perkhidmatan Bulanan yang telah ditolak dikurangkan perbelanjaan perubatan (jika ada) akan dipulangkan sepenuhnya. 3. nda dinasihatkan supaya merujuk ilustrasi jualan untuk maklumat lanjut. 4. Pelan ini tidak melindungi kematian yang disebabkan membunuh diri dalam tahun pertama dari Tarikh Penyertaan atau Tarikh Mula polisi, yang mana kemudian. Pengecualian standard bagi Hilang Upaya Menyeluruh dan Kekal dikenakan. Sila rujuk kepada kontrak polisi untuk butiran lengkap mengenai pengecualian-pengecualian. 5. Premium perlu dibayar sepanjang tempoh polisi. Bayaran premium boleh dibuat secara tahunan, setengah tahun, suku tahunan atau bulanan. 6. nda mungkin mahu mempertimbangkan untuk membeli pelan Insurans Berkaitan Pelaburan Premium Tunggal untuk memaksimumkan pulangan pelaburan dengan perlindungan hayat minimum. Bagaimanapun, pilihan ini mungkin tidak memenuhi keperluan perlindungan anda. Pendedahan berkaitan Dana:. nda harus sedar bahawa setiap pelaburan mempunyai tahap risiko yang akan anda tanggung sepenuhnya.. Nilai dana polisi anda tidak terjamin dan berubah-ubah mengikut prestasi Dana Pelaburan I. nda akan menanggung risiko yang mungkin dialami sepenuhnya apabila melabur dalam dana. 3. set asas setiap dana dinilai pada setiap hari perniagaan untuk menentukan harga unit sesuatu unit. 4. Syarikat berhak untuk menggantung atau menebus unit dalam sebarang keadaan luar biasa seperti penutupan sementara mana-mana Bursa Berdaftar atau kesan negatif jualan umum pelaburan dalam tempoh yang singkat. Risalah ini hanya mengandungi keterangan ringkas mengenai produk ini dan tidak menyeluruh. nda digalakkan untuk mendapatkan satu salinan Ilustrasi Jualan I untuk mengetahui dengan lebih lanjut mengenai produk ini. Untuk penjelasan terperinci berkenaan manfaat, pengecualian, terma dan syaratnya, sila rujuk kepada kontrak polisi.

12 -LifeLink -LifeLink -LifeLink 灵活的应对生活中的变化 在人生中的每一个阶段, 我们扮演着不同的角色, 而我们的需求也相应的改变 -LifeLink 让您灵活地掌控您的生活 根据您的优先次序, 你可随时更改您的保障及储蓄水平, 以满足不断变化的需求 更重要的是, -LifeLink 提供您周年红利, 即使在无需任何的额外费用下, 自动增加您的保障 为何选择 -LifeLink? 一份保障与储蓄兼备的计划 灵活性的保障与储蓄 周年红利的额外保障, 并无需进一步核保 5 年保证保障期 若符合以下所有的条件 : i) 所有的定期保费及 -Plus Saver保费 ( 若有 ) 已经在保费日期或在宽限期内支付 ; 和 ii) 保单保费假日从未运用 ; 和 iii) 保单没有因任何的变化而导致保险费用增加或基金户口价值减少

13 3 -LifeLink -LifeLink 4 再仔细看看有关的利益... 一份保障与储蓄的计划 -LifeLink 满期于 00 岁 它提供死亡和完全及永久残废 通过广泛的附加利益及投资联结基金, 以满足您的保障和储蓄需求 灵活性的保障与储蓄 易于负担的保费, 即从每月 RM 50 起 可随着不同人生阶段的需求, 灵活性的增加或减少您的保障 可灵活性的将您剩余的金钱储蓄 3, 或在您需要时提款 4 根据您可接受的风险程度, 灵活性的转移您的基金 我的保费如何被分配? -LifeLink 具有两种户口, 即保障户口和储蓄户口 : 项目 户口类型 保障户口 储蓄户口 (-Plus Saver) 用途 所有已分配的定期保费和一次性的加额 ( 若有 ) 将会放入此户口 已分配的保费将用来购买单位及户口价值将用于支付保险费用和每月服务费 已分配的 -Plus Saver 保费, 即定期加额, 将会放入此户口 已分配的保费将用来购买单位以增加您的投资价值 除非您同意, 其户口价值将不会用于支付保险费用和每月服务费 周年红利的额外保障 5 其保额将在第二个保单年起, 每年增加 % 至保额的 0% 若严重疾病附条, 即 -Plus CriticalCare 在保单开始时附加, 其保额也将会随着此计划的保额增长幅度相对的增加 此周年红利的额外保障并无需缴付任何的额外费用 5 年保证保障期 此计划将在首 5 个保单年内持续生效, 即使您的基金户口价值不足以支付保险费用和每月服务费 您所缴付的保费将区分为 : 已分配的保费 此保费将用来购买您首选的投资联结基金 未分配的保费 此保费是用于支付公司的开销, 包括代理员的佣金 保费类型保单年 >=7 定期保费 加额保费 ( 一次性加额及 -Plus Saver 之保费 ) 已分配的保费 (%) % 注 : 未分配的保费相等于已缴付的保费扣除已分配的保费 完全及永久残废保障则至 70 岁 3 加额便利 一次性的加额最低为 RM 500; 定期加额 ( -Plus Saver) 则最低每年 RM 0 4 部分提款便利 最低提款数额为 RM,000 及最低的基金结余为 RM,000 5 周年红利是限制于初期保额或现有保额, 视何者为低, 或每份保单最高不可超过 RM 500,000 此周年红利将根据最后缴付保费的保单年赋予 此周年红利将不会在退保, 保单失效或满期时支付

14 5 -LifeLink -LifeLink 6 I 投资基金 项目 投资基金 投资目标 工具 项目 投资基金 投资目标 工具 I 固定收益基金 在资本保障下提供稳健的收入来源及中至长期的资本增长 投资于固定收入证券及金融市场工具 0 I 亚洲债卷基金 在资本安全下提供高水平的收入来源 通过积极管理, 投资于亚洲国家以美元计算的债券之投资组合 I Bon 基金 * 在资本保障下提供稳健的收入来源及中至长期的资本增长 投资于回教固定收入证券及回教金融市场工具 I Eleven Plus 提供长期的资本增长基金 投资于美国, 欧洲, 日本, 亚太和新兴市场的大型及小型股票 3 I 平衡基金 在合理的资本安全下提供最大限度的回酬 分散投资于股票 固定收入证券及金融市场工具 I 国际高红利基金 提供具有吸引力的资本收益及稳定的收入来源 分散投资于全世界注册公司所发行并具有吸引力股息的股票之投资组合 4 I 增进基金 * 提供最大限度的中至长期资本增长 5 I 股息基金提供稳定的收入及资本增长 投资于大马股市回教核准的证券及回教债券 投资于大马股市并具有潜能提供有吸引力股息回酬率的股票 3 I 跨国基金提供中至长期资本增长 I sia 4 提供中至长期资本增长 Opportunity 基金 投资于本地和全球市场现行法规所允许的公司股票及股票相关证券 投资于亚洲区域 ( 日本除外 ) 的股票及股票相关工具 I 股票 Plus 基金 I 动力基金 * I 激进基金 I 中型资本基金 提供最大限度的中至长期资本增长 提供最大限度的中至长期资本增长 提供最大限度的中至长期资本增长 提供最大限度的中至长期资本增长 投资于大马股市的股票及股票相关证券 投资于大马股市回教核准的证券 投资于大马股市的股票及股票相关证券 ( 偏向低于其 IPO 价格的股票 ) 投资于小至中型股票及大马股市的股票相关证券 I 亚洲 5 提供具有吸引力的资本收益股票基金 I 亚洲 6 提供长期的资本增长 Platinum 基金 I 国际 7 提供长期的资本增长小资本基金 分散投资于亚洲区域 ( 日本和澳洲除外 ) 注册公司所发行的股票之投资组合 投资于三个区域市场, 即中国, 印度和日本的公司股票及股票相关证券 投资于小至中型及其资产, 产品或业务在欧洲, 东南亚和日本的公司股票及股票相关投资 * 虽然这些基金投资在回教核准的证券, -LifeLink本身不是一个回教核准的产品

15 7 -LifeLink -LifeLink 8 在此寻找您问题的答案 什么是 -LifeLink? -LifeLink 是一份定期保费投资联结保险计划 它提供死亡和完全及永久残废的保障 此计划的周年红利让您的保额自动增加 -LifeLink 也通过广泛的附加利益, 让您能灵活的增强您的保障 注 : 这是一份与投资资产表现挂钩的保险计划, 而不是纯粹的投资产品如单位信托 我该支付的费用及收费是多少? 每月服务费将通过取消单位的方式, 每月从您的户口价值扣除如下 : 保费缴付的方式每月服务费 (RM) 每年 RM 5 每半年 RM 5 每季 RM 5 每月 RM 6 请注意公司有权修改其每月服务费, 并在 3 个月前以书面通知保单持有人 谁符合资格购买 -LifeLink? 此计划提供给年龄介于 4 天至 70 岁的人士 此计划提供多少个基金选择? 此计划提供 7 个投资联结基金 您可参考基金产品资料列表以获取详情 -LifeLink 的保障期是多久? 此计划提供保障至 00 岁, 条件是保单仍然生效及户口价值足以支付保险和其他费用 我可购买的最低保费是多少? -LifeLink 的最低保费为每年 RM,800 我该缴付的保险费用是多少? 请参阅以下图表以获取一些指示性的保险费用 ( 每 RM,000 的保额 ) 此保险费用是根据非抽烟者及拥有标准健康的男性 : 年龄 0 岁 30 岁 40 岁 我是否可享有基金转移选择以及基金转移的收费是多少? 是的, 您可根据您可接受的风险程度转移您的基金, 而且无需任何的基金转移费 * * 公司有权修改其基金转移费 我如何知道基金的单位价格? I 投资基金的单位价格将刊登在本地主要报章和公司网站 在退保, 满期或死亡 / 完全及永久残废时, 我能够得到些什么? 利益 退保 满期 死亡 / 完全及永久残废 保险费用 RM.34 RM.49 RM.59 户口价值 ( 单位数量 X 单位价格 ) 保险费用是否会随着我的年龄增长而增加? -LifeLink 的保险费用将根据您届时的年龄扣除 其保险费用将随着您年龄的增长而增加 -LifeLink 的保费是否获得保证? 此计划的保险费用是不受保证的 公司有权修改其保险费用, 并在下一个保单周年的 3 个月之前, 以书面通知保单持有人 -LifeLink 保额 无 之保费是否享有税务减免? 是的, 此计划的保费可让您在寿险保费及 EPF 组别里享有高达 RM 6,000 的个人税务减免, 惟需经过马来西亚内陆税收局的最终决定 无

16 9 -LifeLink -LifeLink 30 敬请留意 : 一般的资讯 :. 您应确保此计划最能迎合您的需求以及您有能力负担在此保单所须缴付之保费. 如果您在 5 天的免费阅览期内将保单撤消, 其未分配的保费, 单位价值 ( 若有 ), 保单费用以及每月服务费, 减去医药开销 ( 若有 ), 将全数退还 3. 请您参考销售说明书以获取进一步的详情 4. 此计划并不保障在保单发出日期或生效日期的一年内, 视何者为后, 因自杀而导致的死亡 一般的完全及永久残废之不受保情形也适用于此保单 请参阅您的保单契约以获取有关不受保情形之详细资料 5. 保费期限为整个保单期 保费可以每年, 每半年, 每季或每月的方式缴付 6. 您或许可考虑购买单期保费投资联结保险计划, 以最少的生命保障来提高您的投资回酬 但是, 此项选择可能无法满足你对生活保障的需求 与基金有关的资讯 :. 你应意识到任何性质的投资皆带有一定程度的投资风险, 而且将由您独自承担. 您的保单户口价值是不受保证的, 并将根据对 I 投资基金的表现而波动 投资在有关基金的潜在风险将由您独自承担 3. 每一个基金的相关资产将会在每个交易日估值, 以决定单位的价格 4. 在特殊的情况下, 如股票交易所暂停营业或一般的投资销售在短期内面对的不利影响, 公司有权暂停发行或赎回基金单位 此小册子仅包含了产品的概要简述, 并不详尽 因此建议您参考 I 销售说明书以更了解此产品 欲获取详细的保单利益, 不受保情形, 规则与条款, 请参阅您的保单契约

17 bout I Bhd. I Bhd., formerly merican International ssurance Bhd., is a leading insurer in Malaysia, where we have been privileged to do business since 948. We offer a suite of high quality products including Protection, Health, Personal ccident, General Insurance, Employee Benefits, Retirement and Family Takaful options to meet our customers protection and financial security needs at every life stage. Through our wide and diverse distribution footprint which comprises a tied agency force of close to 7,000 members, our exclusive bank partner s branches nationwide as well as corporate sales teams and brokers, we give our customers the choice of deciding how, when and where they connect with us. Part of the I Group, the largest independent publicly listed pan-sian life insurance group, I Bhd. in Malaysia has the financial strength, experience, service centre network as well as a well-trained team of more than,000 staff to serve its over.6 million customers nationwide. s at end 0, I Bhd. s total asset worth was RM3 billion, with a paid-up capital of RM4 million. Mengenai I Bhd. I Bhd., dahulunya merican International ssurance Bhd., adalah peneraju utama syarikat insurans di Malaysia, di mana kami mendapat penghormatan menjalankan perniagaan sejak 948. Kami menawarkan rangkaian produk berkualiti tinggi termasuk opsyen Perlindungan, Kesihatan, Kemalangan Peribadi, Insurans m, Faedah Pekerja, Persaraan dan Takaful Keluarga untuk memenuhi keperluan dan jaminan kewangan pelanggan kami pada setiap peringkat kehidupan mereka. Melalui rangkaian pengedaran kami yang pelbagai dan luas yang terdiri daripada satu pasukan agensi dengan hampir 7,000 anggota, cawangan rakan kongsi bank kami yang eksklusif di seluruh negara serta pasukan jualan korporat dan broker, kami memberi pelanggan kami pilihan dalam menentukan bagaimana, bila dan di mana mereka menghubungi kami. Sebahagian daripada Kumpulan I, kumpulan insurans nyawa pan-sia tersenarai awam terbesar dan bebas, I Bhd. di Malaysia mempunyai kekuatan kewangan, pengalaman, rangkaian pusat perkhidmatan serta satu pasukan cukup terlatih terdiri daripada lebih,000 kakitangan yang memberi perkhidmatan kepada lebih.6 juta pelanggan di seluruh negara. Sehingga akhir 0, jumlah aset I Bhd. bernilai RM3 bilion, dengan modal berbayar sebanyak RM4 juta. 大马友邦保险简介大马友邦保险有限公司 (I Bhd.), 之前以 merican International ssurance Bhd. 为称, 领先于马来西亚保险业市场, 并于 948 年在马来西亚开始运作 我们提供一系列高品质的产品, 包括保障 健康 个人意外 普通保险 雇员福利保险 退休计划及回教保险以迎合客户们在生命中每一个阶段的健康与财务保障需求 透过广泛及多元的经销管道, 包括近一万七千名代理员, 首选银行合作伙伴于全国的分行以及企业行销团队和中介员, 让客户可以选择他们喜欢的方式 时间和地点与我们联系 大马友邦保险是友邦保险集团, 最大的泛亚地区独立上市人寿保险集团, 属下的成员公司 大马友邦保险拥有雄厚的财力 丰富的经验 广泛的服务中心网络及受过良好训练的逾两千名员工为全国各地超过 60 万名客户提供服务 截至 0 年, 大马友邦保险的总资产为 30 亿令吉, 而缴足资本为.4 亿令吉

18 Contact Us & Find Out More If you have any further queries, kindly contact your I Life Planner / I authorized representative at: I Bhd. ( D) Menara I, 99 Jalan mpang Kuala Lumpur Care Line : T : F : I.COM.MY I Bhd. is licensed under the Insurance ct 996 and regulated by the Central Bank of Malaysia (Bank Negara Malaysia).

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