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1 昇譽保 LionPainter 美好承諾成就卓越人生 Paint your life a masterpiece with all good promises

LionPainter Generali Group - A Leading Global Insurer Parent

M. Best: Insurer Financial Strength Rating A (as of December 2017)

Companies 60 74,000 2017 4 74,000 employees in more than 60

the world (MIT Technology Review) 5,300 530 billion Euro of Assets

world by the Corporate Knights 2016 700 66% 70 billion Euro in

Recognized as the most successful and expansive Net Promotor Score

3 LionPainter Generali Group - A Leading Global Insurer Parent Company of Generali Life (Hong Kong) Limited A.M. Best A A.M. Best: Insurer Financial Strength Rating A (as of December 2017) Consistently listed in the Top 60 Fortune Global 500 Companies 60 74, ,000 employees in more than 60 countries (as of April 2017) 50 Among the 50 smartest companies in the world (MIT Technology Review) 5, billion Euro of Assets under management Listed in the most sustainable companies in the world by the Corporate Knights % 70 billion Euro in premiums as of 2016 (over 66% from outside Italy) Medallia* Recognized as the most successful and expansive Net Promotor Score (NPS) program in the world by Medallia* * * a global leader in Customer Experience management and consulting 1

LionPainter Enjoy life to the fullest, start planning now The best things in life take time to build, accumulate and mature. Plan early and every effort counts.

4 LionPainter Enjoy life to the fullest, start planning now The best things in life take time to build, accumulate and mature. Plan early and every effort counts. Seek out the most suitable protection plan and prepare for surprises, be them good or bad. Rome wasn't built in a day. Generali, with its rich heritage and history in insurance, approaches protection products like a master craftsman fine tuning every bit and turn to suit your needs. LionPainter helps you build protection for you and your family, at different stages of your life and career. Apart from life coverage, this plan also provides premium refund, enabling you to enjoy fruitful retirement and grabbing opportunities. You can switch flexibly and enhancing your protection according to your needs. Plan for your worry free future and pass on the protection to your family, LionPainter suits your every need. 5Promises 100% 1 We PROMISE to refund 100% 1 of total premium paid during selected policy years We PROMISE to protect you until Age We PROMISE to let you increase the protection 3 regardless of your health condition. 4 We PROMISE to let you change to another plan 4 without checking your health condition We PROMISE to guarantee the premium rates 5 upon the start of the policy until Age 80. 2

5 LionPainter Plan Summary Plan Type Benefit Term Premium Payment Term Basic Plan 90 Guaranteed Renewable to age To age 90 1 # 100% 100% Total Premium Paid # before the end of selected policy year will be payable at the end of selected policy year for Premium Refund Benefit 1 1 Premium Refund Benefit 1 and Issue Age 1 Policy year for Premium Refund Benefit th policy year 20 th policy year 25 th policy year Issue Age days after birth age days after birth age days after birth age 55 6 Policy Currency 6 Payment Mode Minimum Sum Assured (per policy) 3 Guaranteed Insurability Option 3 4 Guaranteed Convertibility Option 4 USD Annual / Semi-Annual / Quarterly / Monthly 100,000 USD100, If any of the events below happens, you may apply for a new policy without further evidence of insurability First wedding anniversary Giving birth Graduation 60 th birthday Property purchase with mortgage newly set up Convert to another insurance plan without further evidence of insurability Only one of the below benefits will be payable in each policy Death Benefit Sum Assured Surrender Benefit End of Policy Year # Guaranteed Cash Value as a Percentage of Total Premiums Paid # 1 Policy year for Premium Refund Benefit 1 End of Policy Year # Guaranteed Cash Value as a Percentage of Total Premiums Paid # 1 Policy year for Premium Refund Benefit th th th th th th 1 0% 0% 0% 14 55% 24% 2 0% 0% 0% 15 63% 31% 3 0% 0% 0% 16 70% 38% 4 10% 0% 0% 17 78% 45% 5 25% 0% 0% 18 85% 52% 6 40% 0% 0% 19 93% 58% 7 55% 0% 0% % 65% 8 70% 10% 0% 21 72% 9 85% 18% 0% 22 79% % 25% 0% 23 86% 11 33% 0% 24 93% 12 40% 10% % 13 48% 17% 1 There will be no Surrender Benefit after Premium Refund Benefit 1 becomes payable. # #Total Premiums Paid refers to due and paid premium, excluding substandard premiums and premiums of any supplementary benefits. 3

6 LionPainter LionPainter Case Studies Mrs. Lau Housewife Newly wedded 20 1 Age 25 Save ahead for her child s tuition fee. Applies LionPainter with 20 years premium refund 1. 5 Age 27 Give birth to her first child. Quits her job and becomes a full-time mother. Increase coverage to protect her child. Easily managed her financial planning with guaranteed premium 5 of LionPainter ,000 1 Age 45 Use refunded premium 1 for paying the tuition fee for her daughter to study abroad. The premium paid in 20 years USD 27,000 are 100% refunded 1! 600,000 Sum Assured USD 600,000 1,350 Annual Premium USD 1, LionPainter will continue to protect her family for 45 more years Ms. Cheung General Manager in a PRC corporation 1,500,000 Sum Assured USD 1,500,000 Single, Support her parents alone 7,260 Annual Premium USD 7, Age 40 To protect her family at the same time save for her retirement. Applies LionPainter with 10 years premium refund ,600 1 Age 50 To celebrate her retired life, she spends the refunded premium 1 to travel with her parents! The premium paid in 10 years USD 72,600 are 100% refunded 1! 40 LionPainter will continue to protect her family for 40 more years Mr. Chan Accountant 1,000,000 Married with a child 2, Age 30 Purchase his dream house with 25 years mortgage. Applies LionPainter with 25 years premium refund 1 to protect his family. 2564,750 1 Age 55 Mortgage paid off. His child finished his master degree. He can retire. The premium paid in 25 years USD 64,750 are 100% refunded 1! 3 Age 60 Mr Chan s grandson was born this year! Time to increase the protection for his family. Accepted, regardless of his health status 3! Sum Assured USD 1,000,000 Annual Premium USD 2, LionPainter will continue to protect his family for 30 more years 4 5

7 LionPainter / 20 / % 150, / 20 / Remarks: 1. Premium will only be refunded once on the 10 th / 20 th / 25 th Policy Anniversary based on your choice of policy year for premium refund, if the policy is still in force and all due premiums have been paid. Any substandard premiums and premiums of any supplementary benefits will be excluded from the refund of premium. 2. The policy will only be renewable to age 90 provided that all premium due is paid before the grace period ends and the policy is not terminated due to the reasons stated in the Important Notes below. 3. Application to Guaranteed Insurability Option is subject to the following: Insured before age 65 and after first Policy Anniversary; Can only purchase the product offered by the Company at the time of application; The insured for the new policy must be the same as the existing policy; Application must be submitted within 30 days after the occurrence of insurable event ; Guaranteed Insurability Option can only be exercised once per policy; The sum assured of the new policy shall not exceed 50% of the sum assured of the existing policy or USD 150,000 per life, whichever is lower; Application is subject to the then new product s requirements, administrative requirements, regulatory requirements and approval from the Company; and Not applicable to policy with substandard premiums or any extra exclusion(s) imposed. Please refer to the Policy Provisions for the requirements and conditions of the insurable events. 4. After the first Policy Anniversary and before Insured s age 70, you can request to convert the LionPainter to a product offered by Generali Life (Hong Kong) Limited ( the Company ) and no further evidence of insurability is required, but the sum assured of new policy must be the same as or lower than that of the existing policy. Conversion is subject to the new product s requirements, administrative requirements, regulatory requirements and approval from the Company. This option is not applicable to policy with substandard premiums or any extra exclusion(s) imposed. Upon successful conversion, existing policy will be terminated. 5. The premium rates are guaranteed until insured s age 80 if the attained age on the 10 th / 20 th / 25 th Policy Anniversary after premium refund is less than or equal to age 70. Please refer to the illustration regarding the non-guaranteed premium rates during the whole benefit term. 6. All premium payments and benefit payouts will be at the Policy Currency. If you request a payment currency different from the Policy Currency, subject to our administrative rules, the premium amount payable or the benefit payout amount will be converted to payment currency according to the latest exchange rate solely decided by the Company based on any relevant banks exchange rate. Fluctuation of exchange rate will impact the actual amount payable in payment currency. 6

8 LionPainter 10 / 20 / 25 1 Important Notes: Please refer to the illustration regarding the non-guaranteed premium rates. If the premium rate is non-guaranteed, the premium rate will be reviewed annually. Adjustment will only be made if there is a substantial deviation of its actual experience versus assumptions. In case it is adjusted, it will be adjusted based on the Company s actual experience relating to its relevant product group, including but not limited to investment return including any market value gains and losses, investment outlook, direct and indirect expenses, claim and lapse experience. The adjustment will not be made to only individual policies but to the group of policies of the same risk class. New premium rate will be effective from the coming policy anniversary with prior notice. You can request to surrender the policy by sending a written request to us before end of the 10 th / 20 th / 25 th policy year for guaranteed cash value (if any). There is no Surrender Benefit or guaranteed cash value after the Premium Refund Benefit becomes payable. Upon surrender, the policy will terminate and premium due and paid will not be refunded. Benefit received from early surrender (if any) may be significantly less than the total premiums paid. If you cease to pay premium during the Premium Payment Term, the Company will advance the premium due as automatic loan as long as the guaranteed cash value is at least equal to the sum of the premium in default and the Indebtedness (if any) or the policy will lapse immediately and you may suffer a significant loss. When you decide the sum assured and review the illustration, please note that the cost of living in the future is likely to be higher than it is today due to inflation. For any suicide of insured occurs within 1 year from the later of Date of Issue or effective date of any reinstatement of the policy, the liability of the Company shall be limited to return of premiums paid without interest, less any Benefits paid and any Indebtedness. The Company underwrites the policy and you are subject to its credit risk. If the Company is unable to satisfy the financial obligations of the policy, you may lose your premiums paid and benefits. The Company will terminate the policy and you will lose the cover when one of the following happens: once the Insured dies; on the Expiry Date of the policy; once the policy is cancelled, surrendered or converted; you cease to pay premium during the Premium Payment Term and the policy does not have enough cash value; or the outstanding Indebtedness equals or exceeds the guaranteed cash value. This brochure is for reference only. It should be read along with the illustration and other relevant marketing materials (if any), which include additional information and important considerations about this product. Please refer to Policy Provisions for details of terms and conditions. You can refer to your intermediary or the Company for the Policy Provisions and product details. 7

9 LionPainter 1970 About Generali Hong Kong Our Generali entities in Hong Kong have been providing comprehensive insurance and investment protection to individuals and organizations since the 1970s. Over the years, we have come to understand the individual requirements of our customers, and are continuously adapting and innovating to meet their changing needs. We offer a wide range of insurance solutions from life and general protection to sophisticated corporate risk management and financial management products designed to enhance investment portfolios and preserve generational wealth A.M. Best A About Generali Group Our parent company, the Generali Group (Assicurazioni Generali S.p.A.) is one of the largest global insurance providers. We pride ourselves for our history of over 185 years and we are listed amongst the Fortune Global Top 60 companies with total premium income exceeding 70 billion in With above 74,000 employees worldwide serving 55 million customers in more than 60 countries, the Group occupies a leadership position in Western European markets and an increasingly important place in Asia and in Central and Eastern Europe. In 2017, Generali and its core subsidiaries have been affirmed A Insurer Financial Strength Rating with a Stable outlook by A.M. Best. In the same year, the Group was also included among the most sustainable companies in the world by the Corporate Knights ranking, and listed the world s 50 smartest companies according to the MIT Technology Review in Company information as at Jan

11 Generali Life (Hong Kong) Limited 85 5/F, Generali Tower, 8 Queen s Road East, Hong Kong Tel : (852) Fax : (852) info@generali.com.hk Website : generali.com.hk PB/T/TN/MAR18

AXA Season S2.5x_v7

AXA Season S2.5x_v7 AXA Golden 20 Enhanced Protection Programme Cancer is the number one killer disease in Hong Kong i. According to the statistics, cancer accounts for over 80% of critical illness insurance claims ii. Being