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Investment-linked Insurance Zurich FlexiLife Protection that grows with you

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Your life is precious to you, to your loved ones, and to us. That s why we protect it. Peace of mind on your life s journey. Life is a journey. And on it, you will change and grow. Maybe you ll pursue a career. Perhaps you ll travel to exotic faraway places. Or you ll even fall in love. Whatever you do, when you look at your life, you ll realize all the effort you ve put into making it the best possible life for you and those you care about. That makes your life PRECIOUS. But no journey is completely smooth. And sometimes the unthinkable may happen. That s why we created Zurich FlexiLife. So you can protect your life and invest for your future all while enjoying peace of mind no matter where you are on your life s journey. 3

As your life changes, so too can your Zurich FlexiLife. The only thing that remains the same is your peace of mind. Safeguarding what matters to you most. As you go through the different stages of life, your priorities may change. With Zurich FlexiLife, you can cater for all these changes with one single insurance policy. Zurich FlexiLife Catering to your needs at every stage of your life Young Adult Start saving for your future Young Couple Protect your family from costly medical bills Parent with Children Prepare for your child s college education Zurich FlexiLife is a Regular Premium Investment-Linked Insurance Policy which matures when the insured reaches the age of 100. It provides a combination of protection, savings and investment elements. But it is also very flexible. Zurich FlexiLife allows you to choose your sum assured, premium and fund selections to match the levels of Protection, Savings and Investment you require for every stage of your life. (This is an insurance product that is tied to the performance of its underlying assets and is NOT a pure investment product like unit trusts.) 4

Choose the level of Protection, Savings and Investment you need, all in one flexible policy. Protection, Savings and Investment. Protection When you sign up for an insurance policy, you ll be presented with a level of Life Insurance Protection. This amount is called the Basic Sum Assured and can be increased or decreased subject to current underwriting requirements. A wide selection of Riders (e.g. Hospitalisation, Critical Illness, Personal Accident, etc.) can also be added to your policy. Investment The protection you enjoy under a Zurich FlexiLife policy is paid for by your premium. The premium you pay is allocated according to the premium allocation rates. The balance of your premium not allocated for Insurance Protection is invested in one or more Zurich Investment-Linked Funds of your choice in a flexible Investment Account. Savings Zurich FlexiLife allows you to make top-ups to save in your Investment Account in two ways: On a regular basis with MaxSaver, which starts from as low as RM10 a month. Anytime with a minimum, lump-sum premium of RM500. You can also make withdrawals at any time for any purpose. As long as there is sufficient value to cover your fees and charges, you can even stop paying your regular premiums and still enjoy your Insurance Protection. Is Zurich FlexiLife for me? Zurich FlexiLife is for you if you are looking for an insurance policy that: Is flexible and can evolve with your life and changing protection needs. Is able to fit in with your life s objectives; whether it s saving for your child s education, investing for wealth accumulation, or preparing for your retirement through regular investments on top of providing protection. Will give you the freedom to add optional Insurance Protection through a wide selection of available Riders. Rewards you with a Loyalty Bonus for paying your premiums in a timely manner. 5

Loyalty Bonus We believe that if you care enough to ensure your loved ones are always protected by paying your premiums in a timely manner, you should be rewarded. Zurich FlexiLife provides a Loyalty Bonus of an additional 2% of the lowest premium collected over the last 3 premium years and is payable in the fourth (4th) premium year. And as long as you keep making your premium payments on time, you ll continue to enjoy this bonus on the sixth (6th), eighth (8th), tenth (10th), twelfth (12th), fourteenth (14th) and sixteenth (16th) premium year. Why does Zurich FlexiLife provide so many options? Because life changes, and so may your needs. What kinds of protection does Zurich FlexiLife offer? Zurich FlexiLife offers a wide selection of Riders to suit your personal as well as family needs. We do this so you don t have to change your life to fit your insurance policy. Below are a few examples of the protection provided under the plan: Death or Total and Permanent Disability (TPD) If the insured dies or suffers a TPD, the Basic Sum Assured and Investment Account balance will be paid. But if the TPD happens before the age of 70, the insured may choose to receive the Basic Sum Assured only, and let the Investment Account continue, provided there are enough units to cover the charges. The balance will be paid upon death or termination of the policy. Medical Card This optional Rider provides comprehensive coverage for hospitalisation and admission benefit. 36 Critical Illnesses This optional Rider provides coverage for critical illnesses. Accidental Death and Dismemberment This optional Rider provides additional benefits in the event of accidental death, loss of sight, or dismemberment. Waiver of Premium on Dread Disease This optional Rider waives all future basic premiums if the insured is diagnosed with any of the 36 dread diseases. 6

Here is a sample of a Zurich FlexiLife coverage for the same person (Male, Non-smoker) at different stages of his life: Young Adult Young Couple Parent with (Age 20) (Age 30) Children (Age 40) Types of Protection Benefit Amount Benefit Amount Benefit Amount Death or Total and RM100,000 RM150,000 RM200,000 Permanent Disability Medical Card RM160 per day RM210 per day RM210 per day room & board room & board room & board 36 Critical Illnesses RM50,000 RM80,000 RM100,000 Accidental Death RM50,000 RM80,000 RM100,000 and Dismemberment Waiver of Premium RM2,400 RM3,600 RM4,800 on Dread Diseases Annual Premium RM2,400 RM3,600 RM4,800 Fund Invested Growth Fund Growth Fund Balanced Fund This sample is for illustration purposes only. We have a wide selection of Riders for you to choose from to enhance your insurance protection. (Please refer to your policy contract and sales illustration for more details.) Am I eligible for Zurich FlexiLife? You can be insured with Zurich FlexiLife if you are between 30 days and 69 years old. However, the policy holder must be at least 18 years old. Can I afford Zurich FlexiLife? You can start enjoying the protection of Zurich FlexiLife for as little as RM150 a month or RM1,800 a year. You have the flexibility to make your premium payments monthly, quarterly, half yearly, or annually. 7

What price are you willing to pay for your family s financial security? With Zurich FlexiLife, it s surprisingly reasonable. What are the fees and charges? Insurance charge The charge is based on your Age, Gender and Basic Sum Assured. A sample of the Monthly Insurance Charge excluding optional Riders (Age 30; Male; Standard Life) for a Zurich FlexiLife plan with RM100,000 of Basic Sum Assured is RM11. Policy Fee The Policy Fee for a policy with an annual premium payment mode is RM5 per month. All other payment modes will incur a Policy Fee of RM6 per month. Fund Switching You are allowed to switch your investment fund for free once a year. RM50 will be incurred for every subsequent switch within the same year. Fund Management Fee Depending on your choice of funds, you will be charged 1%-1.5% per annum based on the net asset value of the funds. Partial Withdrawal Charge RM50 will be charged per withdrawal from your Investment Account. The minimum withdrawal amount is RM1,000 and you must have a minimum balance of RM2,000 across all funds in your Investment Account. There are currently no compensation for a full surrender. (Please refer to your policy contract and sales illustration for more details on the fees and charges.) Top-up Unallocated Premium 5% for both regular and irregular top-up unallocated premium. Irregular top-ups will also incur an additional RM25 service fee. You can start protecting yourself from as little as RM5 per day. That s less than a cup of cappuccino! 8

How are the fees and charges paid for? As stated earlier, Zurich FlexiLife is an Investment-Linked Insurance Policy. The premium you pay will be allocated to purchase units based on the following allocation rates (this example is based on an annual premium of RM1,200): Year 1 2 3 4 5 6 Thereafter Premium Amount (RM) 1,200 1,200 1,200 1,200 1,200 1,200 1,200 Premium Allocation (%) 40% 50% 70% 70% 90% 90% 100% Allocated Premium (RM) 480 600 840 840 1,080 1,080 1,200 The Allocated Premium will be used to purchase units in the Zurich Investment-Linked Funds of your choice. In this example, in year 5, RM1,080 will be used to purchase units, of which some will be deducted to pay for the fees and charges under this policy. A portion of the unallocated premium is used to meet the payment of commissions to intermediaries. How to determine the value of your Unit Price? The unit price is valued at the end of each business day. It is derived by dividing the Net Asset Value on the business day before the Valuation Date by the number of units in issue of the relevant Zurich Investment-Linked Fund. For more information on our wide selection of funds, please refer to our Investment-Linked Fund fact sheet. 9

Zurich aims to be the best insurance company in the world. And every day, we re working to earn that place in the eyes of our customers. For those who truly love. Zurich Insurance Group is one of the world s leading insurance groups. It s also one of the few to operate on a truly global basis. Founded more than 140 years ago in Zurich, Switzerland, the company today serves customers in 170 countries around the world. With over 55,000 employees, superior financial strength and a highly valued brand, Zurich is on its way to be the best insurer in the world. USD4.7bn Business operating profit (2013) AA-/stable Standard & Poor s financial strength rating (December 31, 2013) USD32.5bn Shareholder s equity (December 31, 2013) In Malaysia, Zurich Malaysia is also well established. It has a strong management team, over 1,000 committed and talented employees in more than 40 branches across the nation, 5,000 Life agents and 3,200 General Insurance agents. Combining over 40 years of local heritage and knowledge with its global expertise, operational efficiency, and financial strength, Zurich delivers what matters, when it matters to the Malaysian people. For more information and assistance on Zurich FlexiLife, please contact our Zurich Sales Advisor or Zurich Call Centre at 1-300-888-622 or email us at callcentre@zurich.com.my In the event of discrepancy, ambiguity and conflict in interpreting any term or condition, the English version shall prevail and supercede Bahasa Melayu, Chinese and Tamil versions. 10

WE MIGHT BE LIFE AGENTS. BUT WE SEE OURSELVES AS LIFE ADVISORS. Need help determining your insurance needs? A Zurich Sales Advisor will be happy to assist you to: Understand everything you need to know about insurance and why it s important. Choose the benefits that are most suitable for you. Help you decide on how much you need to protect yourself and your loved ones. Make a plan that fits within your budget. 11

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您的生命对您 您的亲人及我们是宝贵的 因此我们要保护它 在您人生的旅途上安枕无忧 生命是一个旅程 在此, 您会改变和成长 也许您会发展您的事业 前往遥远的异国旅行, 甚至坠入爱河 不管您做什麽, 当您回顾您的生活, 您会发觉您所投入的努力都是尽可能让您及您关心的人活得更精彩 因此, 这令您的生命非常地珍贵 但是人生的旅程是没有完全平顺的, 有时不可思议的事情都可能发生 所以, 我们向您推荐 Zurich FlexiLife, 让您可以保障您的生命, 并且为您的未来投资, 使您在人生旅途上, 无论身在何处都能安枕无忧 13

Zurich FlexiLife 能随著您的人生阶段而改变 唯一保持不变的就是您的安心 保障对您而言是最重要的事 当您经历不同的人生阶段, 您优先考虑的事物也许会改变 随着 Zurich FlexiLife, 您能以 一份保单迎合所有的变化 Zurich FlexiLife 满足您在每一个生命阶段的需求 年轻成人开始为您的未来储蓄 年轻夫妇保护您的家人以应付昂贵的医疗费 育有小孩的父母为您孩子的大学 教育做淮备 Zurich FlexiLife 是一份於受保人 100 岁时期满的按期缴费投资联结寿险保单 它结合保障 储蓄及投资的元素 但它却是非常的有伸缩性 Zurich FlexiLife 允许您选择您的保额 保费及基金来配合您在每一个生命阶段所需的保障, 储蓄及投资金额 ( 这是一个与指定资产表现有关联的保险产品, 而不是像信托基金一般的纯投资产品 ) 14

选择您需要的保障 储蓄及投资金额仅在一份具伸缩性的保单 保障 储蓄及投资 保障当您签下这份保单, 您可以选择您所需的寿险保障, 这被称为基本保额 基本保额可以增加或减少, 唯须符合当时的核保淮则 您可以选择添加众多的附加利益 ( 如 : 住院医疗, 恶性疾病, 个人意外等 ) 于您的保单 投資您所缴付于 Zurich FlexiLife 保单的保费让您享有保障 您所缴的保费是根据保费分配率来分配 您的保费在分配予保险保障后的余额将会被用作投资用途, 您可以选择投资在任何一个 Zurich 投资联结基金, 这是一个具有伸缩性的投资户口 储蓄 Zurich FlexiLife 允许您以两种加额方式储蓄在您的投资户口 : 以每月低至 RM10 按期储蓄在 MaxSaver 任何时刻可以加额保费至少 RM500 您也可以在任何时刻因任何理由提出款项, 只要您的户口有足够的单位支付费用及收费 您甚至可以选择停止缴付保费而仍然享受您的保险保障 Zurich FlexiLife 是否适合我? 若您在寻找一份如以下的保单,Zurich FlexiLife 非常适合您 : 具有伸缩性及可以随这您的生活和保障需求而变化 能够符合您的生活目标;无论是您孩子的教育基金, 以投资来积累财富, 或通过按期投资为您的退休做淮备及提供保障 给您自由地选择多种附加保单以增添额外的保险保障 奖励您因定时缴付保费的忠诚花红 15

忠诚花红 我们相信, 如果您非常关注于确保您家人的保障而定时地缴付保费, 您应该得到回报 Zurich FlexiLife 提供在保单实行的第四保费年起, 根据保单前三保费年所缴交的最低保费给予 2% 的额外忠诚花红 只要您继续定时地缴付保费, 您将能在第六, 第八, 第十, 第十二, 第十四及第十六保费年继续享有此利益 为何 Zurich FlexiLife 提供那麽多的选择? 因为生活会改变, 需求也是如此 Zurich FlexiLife 提供什么保障? Zurich FlexiLife 提供大量的利益让您可以量身定做以符合您的需求 我们这样做是为了让 您无须改变您的生活来迎合您的保单 以下是此计划提供的一些保障 : 死亡或永久全然残废 (TPD) 若受保人不幸死亡或发生永久全然残废, 基本保额及投资户口内的余额将会被给付 若受保人在 70 岁前发生永久全然残废, 可以选择领取基本保额, 并让投资户口继续操作, 假如投资户口裡有足够的单位来支付保费 其余的会于死亡或保单中断时给付 医药卡这是选择性的附加保单提供全面医药及住院利益 36 种恶性疾病这是选择性的附加保单提供恶性疾病保障 意外死亡及截肢这是选择性的附加保单给予额外保障因意外死亡, 失明或截肢 恶性疾病之保费豁免这是选择性的附加保单 当受保人被诊断出患上 36 种恶性疾病中的任何一种时将获得未来基本保费全面豁免 16

以下是一项 Zurich FlexiLife 的例子保障相同的一个人 ( 男, 非吸烟者 ) 在他不同的生命阶段 : 年轻成人 年轻夫妇 育有小孩的父母 (20 岁 ) (30 岁 ) (40 岁 ) 保障种类保障数额保障数额保障数额 死亡或永久全然 RM100,000 RM150,000 RM200,000 残废 (TPD) 医药卡 住宿与膳食每天 住宿与膳食每天 住宿与膳食每天 RM160 RM210 RM210 36 种恶性疾病 RM50,000 RM80,000 RM100,000 意外死亡及截肢 RM50,000 RM80,000 RM100,000 恶性疾病之保费豁免 RM2,400 RM3,600 RM4,800 年保费 RM2,400 RM3,600 RM4,800 投资基金成长基金成长基金平衡基金 此示例仅用作说明用途 我们有多种选择的附加利益供您选择, 以加强您的保险保障 ( 更多的详细信息请参阅您的保单契约及销售说明 ) 我是否有资格申请 Zurich FlexiLife? 只要您的年龄介于 30 天至 69 岁就可以投保于 Zurich FlexiLife 然而, 保单持有人必须是 年满 18 岁或以上 我是否可以负担得起 Zurich FlexiLife? 您可以低至每月 RM150 或每年 RM1,800 开始享有 Zurich FlexiLife 的保障 您可有伸缩性的 选择以每月, 每季, 每半年或每年的方式缴付保费 17

您愿意为您的家庭财务保障支付什麽样的价格? Zurich FlexiLife 提供的合理价格令人惊讶 有什麽费用及收费? 保险费它根据您的年龄, 性别及基本保额计算 一项无附加利益的每月保险费用例子 (30 岁 ; 男性 ; 标淮寿险 ) 基本保额 RM100,000, Zurich FlexiLife 计划的保险费是 RM11 保单费以每年缴付保费的付款方式费用为每月 RM5 其他的保费缴付方式则每月征收 RM6 基金转换费您可享有每年一次免费的基金转换 随后的转换费为每次 RM50 基金管理费根据您所选择的基金而定, 费用会介于基金淨资产价值每年 1%-1.5% 来计算 局部提款費每次从您的投资户口提款将被征收 RM50 唯需符合每次提款数额最低于 RM1,000 及保留最低 RM2,000 的余额在所有基金裡 目前, 全面退保沒有征收費用 ( 更多关于收费及费用的详细信息请参阅您的保单契约及销售说明 ) 加额不被分配的保费按期与非按期加额不被分配的保费的费用为 5% 唯非按期加额另加 RM25 的服务费 您可以每天以低至 RM5 開始保障自己 這還不及一杯卡布奇諾的價錢! 18

如何缴付收费及费用? 如前所述,Zurich FlexiLife 是投资联结保险 您缴付的保费会依据以下的分配率来购买单 位,( 以年保费 RM1,200 为例 ): 年份 1 2 3 4 5 6 此后 保费 (RM) 1,200 1,200 1,200 1,200 1,200 1,200 1,200 保费分配率 (%) 40% 50% 70% 70% 90% 90% 100% 被分配之保费 (RM) 480 600 840 840 1,080 1,080 1,200 被分配的保费将被用在购买您所选择的 Zurich 投资联结基金 依据以上例子, 于保单第五年,RM1,080 将被分配于购买单位, 而一部分会被用于缴交 保单收费及费用 不被分配的保费其中一部分会被用于缴付代理员的佣金 如何估算您的单位价格? 单位价格于每个营业日结束后估算 它是通过评估日前该营业日的淨资产价值除以该 Zurich 投资联结基金所缮发的单位数额而得 欲知更多关于我们广泛的基金选择, 请参阅投资联结基金概览 19

Zurich 的宗旨是成为全球最佳的保险公司 每一天, 我们都在努力, 以获得客戶的肯定 给爱其所有的你 Zurich 保险集团是世界领先的保险集团之一 它是其中一家有真正在全球操作的公司 Zurich 在逾 140 年前成立于瑞士, 今天, 此公司在全球各地的 170 个国家为客户提供服务 拥有超过 55,000 名员工, 卓越的财务实力和高价值的品牌,Zurich 保险正迈向成为全球 最佳保险公司的路上 47 亿美金商业营业利润 (2013 年 ) AA-/stable Standard & Poor s 财务实力评价组 (2013 年 12 月 31 日 ) 325 亿美金股东权益 (2013 年 12 月 31 日 ) 在马来西亚,Zurich Malaysia 也是被公认的 它拥有强大的管理团队, 超过 1,000 名有承诺 和才华的员工分布在全国各地超过 40 家分行,5,000 人寿保险代理和 3,200 名普通保险代理 结合了超过 40 年的本地优势及知识, 再加上全球的专业知识, 运营效率和资金实力, Zurich 在马来西亚人民最需要协助的时刻, 为他们提供他们所最需要的 欲知更多有关 Zurich FlexiLife 的详情及援助, 即日就请联系我们的 Zurich 行销顾问或拨电 1-300-888-622 联络 Zurich 客户服务中心或电邮至 callcentre@zurich.com.my 如在了解册子裡任何条款或条件有任何的不相符 含糊与矛盾之处, 英语版本将取代国语 华语及淡米尔文版本成为最准确的参考资料 20

您需要有关保险的专业咨询, 以协助您做决定? Zurich 行销顾问会很乐意为您提供帮助 : 让您了解有关保险所需知道的及其重要性 帮助您选择最适合您的利益 帮助您确定您需要付出多少以保障您和您的亲人 在适合您的预算范围内, 量身订造一项计划 21

Important notes This brochure is for illustrative purposes only. For further details of terms and conditions, please refer to the product disclosure sheet, sales illustration and policy contracts. You should be certain that this plan meets your needs and that the premium payable under the policy is an amount you can afford. This plan does not cover death due to suicide within one (1) year from the commencement date of this policy or date of increase in the face amount or date of reinstatement, whichever is later. The standard exclusions for Total and Permanent Disability are applicable. Please refer to the policy contract for the full details of the exclusions. If this policy is cancelled within the fifteen (15) days free-look period from the date of delivery of this policy, the unallocated premiums, value of units (if any), any insurance charges and policy fee that have been deducted less medical expenses (if any) will be refunded. If the policy is terminated in the early years, you may get back less than the total premiums paid. Buying a life insurance policy entails long-term commitment. To enjoy maximum benefits for continued coverage, it s worth keeping the policy inforce. If you choose to opt for premium pause, firstly, it may defeat your investment strategy; secondly, the policy may lapse if the units in the account are insufficient to pay for policy fees, insurance and other charges. Adding different riders ensures you are covered for diverse eventualities. More riders may incur higher insurance charges and may reduce the number of units available for investment. Your policy benefit is dependent on the performance of the respective funds that you have invested in. The funds values are dependent on prevailing market values and the underlying investment performance of the respective funds. Past fund performance may not be a reliable guide to future performance which may be different. The Company reserves the right to suspend issuance or redemption of units under this policy for a reasonable period under exceptional circumstances, such as and including intervening events resulting in temporary closure of any stock exchange or suspension of particular stocks in which the fund is invested. For policy with annual premium exceeding RM5,000, you may want to consider purchasing alternative/additional products that suit your needs. Some possible alternatives include purchasing single premium investment-linked products or allocating more of your premiums as top-up premiums. The funds may be invested in syariah compliant securities and the product is not designed pursuant to syariah principles. All premium and fees shown in this document may be subject to tax or other government levies. 22

重要备注 此小册子仅作为解说用途 欲知条款与条件的更多详情, 敬请参阅产品披露说明书 销售说明书与保单契约 您须确定此保单符合您的需要, 而此保单须缴付的保费是您所能负担的金额 从此保单起始日或面值增加当日或複保日计起一 (1) 年内 ( 视何者为迟 ), 因自杀而引起的身故事件不在此保单保障范围内 永久性终身全残的标准除外条款适用 请参阅保单契约以了解例外条款的全面详情 若在此保单交付日计起的十五 (15) 天免费阅览期内取消购买此保单, 受保人可获退还未分配保费 单位价值 ( 若有 ) 已扣除的保险费与保单费, 惟须扣除医药费 如果保单在早期的几年被终止, 您可能会取回较少的已缴总保费 购买一份寿险保单需要长期承诺 为了享有最大的利益及持续的保障, 维持保单的有效性是值得的 如果您选择停缴保费, 首先, 您的投资策 略可能会遭遇挫败 ; 其次, 如果帐户里的单位不足以缴付保单费用, 保险费用及其他收费的话, 这份保单可能会失效 附加不同的附加保单可确保您万一遇到各种不幸事件时获得保障 更多的附加保单可能会提高保险费用, 从而减少了可以用来作为投资用途的单位数目 您的保单利益是由您的投资的个别基金的表现来决定 基金的价值是依据现行的市场价值及这些个别基金的相关投资表现来决定 基金的过往表现并不一定提供未来的表现一个可靠的指标, 因为未来的表现有可能是不同的 在特殊情况下, 例如及包括因事件干扰而导致任何股票交易所暂时闭市, 或基金有份投资的某些股票被暂停交易时, 本公司保留在合理期限内暂停签发或赎回此保单里的单位的权利 如果保单的年缴保费超过 RM5,000 您可能需要考虑购买能满足您的需要的替代产品或附加产品 一些值得考虑的替代产品包括购买单期保费投资联结产品, 或者分配更多您的保费到加额保费中 基金可能投资在符合回教教义准则的证券, 然而此保单非根据回教教义准则而设 此文件中所显示的所有保费和费用可能需要纳税或其他政府征税 23

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