Investment-Linked Insurance Plan Illustration A-LifeLink 2... · 2019-07-15 · Investment-Linked...

AIA Bhd.(790895-D)Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur Care Line: 1300 88 1899 T: 03-2056 1111 F: 03-2056 3891 E: [email protected] AIA.COM.MY

Investment-Linked Insurance Plan IllustrationA-LifeLink 2

LIEU CHING FOO:Prepared by

Alex UA:Insured Name

A54-01-0328 No Female Occupation Code:Smoker : :Gender:Age Last Birthday

Sum Assured (RM)

Premium (RM)

Investment-Linked Insurance Plan (ILIP)

Basic Plan

2,300.00A-LifeLink 2 (ALL 2) 6,000

A-Plus Saver (Allow Policy Charges deduction from A-Plus Saver) 120.00

Rider(s)

A-Plus DisabilityCare (APDC) 6,000 -

A-Plus Health (APH@80) Plan 200 (Deductible: 300) Unit deducting

Total Annual Premium 2,420.00

Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.

PLAN DESCRIPTIONS:

Death Benefit

In the event of death, the Total Death Benefit which is the total of Sum Assured of Basic Plan, Anniversary Bonus and Account Value (excluding rider’s surrender values, if any) shall be payable.

•

The coverage for death benefit is up to age 100 of the Insured.•

Anniversary Bonus

The Anniversary Bonus increases Your coverage at 1% of the Sum Assured of Basic Plan (subject to the lower of initial Sum Assured or current Sum Assured and it is limited to RM 500,000 per Policy) from the beginning of 2nd Policy Year up to 120% of Sum Assured. The coverage shall remain level thereafter.

•

The Anniversary Bonus is payable on death, Total and Permanent Disability (TPD) (if applicable) and critical illness (if A-Plus CriticalCare is attached at Policy inception). However, it will not be payable upon surrender, lapse or maturity of the Policy.

•

5-year Guaranteed Coverage

The Policy shall continue to be in force within the first 5 Policy Years even though the Account Value is insufficient to cover the Policy Charges, provided all the following conditions are met:

•

All the regular premiums and A-Plus Saver (if any) have been paid on the due date or during the grace period or the late payment period; and-

The premium holiday has never been exercised; and-

No change in the Policy that resulted in the increment of the Cost of Insurance (COI) or any reduction in the existing or future Account Value.-

Maturity Benefit

Upon maturity at age 100, the Account Value shall be payable.•

Accounts

Protection Account

The regular premium paid and Ad Hoc Top-up (if any), will be used to purchase units based on the applicable allocation rates under the Protection Account. The Policy Charges will be deducted from the Protection Account.

•

Savings Account (A-Plus Saver)

The premium paid for A-Plus Saver, i.e. scheduled Top-up (if any), will be used to purchase units based on the applicable allocation rates under the Savings Account to enhance the savings element of this plan. The Policy Charges will not be deducted from the Savings Account, unless consent is given.

•

RIDER(S) DESCRIPTIONS:

A-Plus DisabilityCare (APDC)

• APDC provides coverage for Total and Permanent Disability (TPD).

APDC benefit is issued for issue age 65 and below. The APDC Sum Assured may vary depending on the final result of AIA Bhd.'s underwriting assessment on age, occupation and/or medical conditions.

•

• In the event of TPD (occurs from age 16 until age 70), where the disability conforms to the 'Suited Occupation' definition as described in the contract, an advance payment of 10% of the total of APDC Sum Assured and Anniversary Bonus shall be payable for the first 2 years and the remaining advance payment of 80% of the total of APDC Sum Assured and Anniversary Bonus shall be payable in the 3rd year.

In the event of TPD (occurs at age 70 and below), where the disability conforms to the 'Presumptive Disability' or 'Any Occupation' definition as described in the contract, a lump sum payment of the total of APDC Sum Assured and Anniversary Bonus shall be payable.

•

The total of Sum Assured of Basic Plan and Anniversary Bonus shall be reduced by the advance payments made under APDC.•

The coverage for APDC is up to age 70 of the Insured or expiry of the Basic Plan, whichever is earlier.•

This illustration is not complete unless all pages are included. This illustration is only to be used for insurance sales presentation in Malaysia.

AIA Bhd. (790895-D) 07/15/2019AIA IPOS SQS Ver 10.5 /17


A-Plus Health (APH@80)•

•

•

APH is an Unit-Deducting Rider (UDR) that provides comprehensive medical coverage until the Insured’s age 80. In the event of Hospitalisation or Outpatient Treatment due to illness or injury, APH will provide the coverage according to the benefits listed in the Schedule of Benefits below. This rider also provides deductible amount option of RM300 per Any One Disability or Zero Deductible. AIA Bhd. shall pay the Reasonable and Customary Charges incurred for eligible benefits which are more than the deductible amount.

Schedule of Benefits:

Benefit LimitsNo. Plan 200

Annual Limit (applicable for item no.1 to 12) 1,500,000

No LimitLifetime Limit

Deductible Amount (applicable for In-patient Care only, item no.1 to 3) 300 per Any One Disability

In-Patient Care

1 200

Hospital Room and Board Benefit

(150 days maximum per rider year and daily maximum not to exceed the amount shown)

As Charged, subject to Annual Limit

2Intensive Care Unit Benefit

(150 days maximum per rider year)

3

In-Hospital Related Fees

i. ii. iii. iv. v. vi.

Hospital Supplies and Services Surgical Fees Benefit Operating Theatre Fees Benefit Anesthetist’s Fees Benefit In-Hospital Physician Visit Benefit (maximum 2 visits per day per Physician) Daily Guardian Benefit (applicable for both Junior and Senior)

Out-Patient Care

4


Pre-Hospitalisation Benefit

(within 60 days before Hospitalisation)

Diagnostic Test Benefit Specialist Consultation Benefit Medication and Treatment Benefit

i. ii. iii.

5

Post-Hospitalisation Treatment Benefit

(within 150 days after Hospitalisation)

Diagnostic Tests Benefit Specialist Consultation Benefit Medication and Treatment Benefit (inclusive Physiotherapy, Chiropractic and Acupuncture Treatment)

i. ii. iii.

6Out-patient Kidney Dialysis Treatment Benefit and Out-patient Cancer Treatment Benefit


Day Care Procedure and Surgery Benefit7

As Charged, subject to Annual LimitEmergency Accidental Out-patient Treatment (inclusive Dental) and 30 days Follow-up Treatment

8

Extra Care

9 Optical Support - Intraocular Lens

Up to 7,000 per lifetime

Specified Maternity Complications Benefit Up to 10,000 per lifetime10

11 Out-patient Dengue Fever Treatment Benefit Up to 2,000 per Disability

12Home Nursing Care Benefit

Up to 4,000 per Confinement(180 days maximum per lifetime)

Emergency Medical Evacuation and Repatriation13 Up to USD 1,000,000 per event



Benefit LimitsNo. Plan 200

Health Wallet

Yearly Health Wallet Amount (applicable for item no.14 to 18)

1,500

The amount above will be credited to Health Wallet at the end of the rider year, provided no claim has been made for benefits item no. 1 to 12 in the immediate

preceding year, up to a total of 10 times.

14

Prevention Benefit

Up to 300 every year, subject to total amount available in Health Wallet

i. Health Screening ii. Vaccination (age 16 and above): - Flu vaccination - Hepatitis B - HPV - Shingles - Pneumococcal

Special Care Benefit

15 As Charged, subject to the total amount available in Health Walleti. Congenital Conditions ii. Elective/Plastic/Cosmetic surgery due to Accident or Cancer

16

Recovery and Support Benefit

As Charged, subject to the total amount available in Health Wallet

i. Mobility and Hearing SupportArtificial Limb-

- Hearing Aid

ii. Recovery CareCancer -

- Stroke

- Heart Attack

(applicable to low, medium and high severity conditions)

17

Mental Health Benefit

Up to 1,500 every year, subject to the total amount available in Health Wallet

Psychiatrist Consultation Fees for the following conditions: - Major Depressive Disorder - Obsessive Compulsive Disorder - Schizophrenia - Bipolar Disorder - Tourette Syndrome - Postpartum Depression

18 Protect Boost

The total amount available in Health Wallet shall be payable:

for the remaining Eligible Expenses in the event the Annual Limit is fully utilised, or

(a)

upon death of the Insured, up to 2 times of the Basic Plan Sum Assured. (b)

Note:

All figures shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise. The coverage for APH is up to age 80 of the Insured. If you choose APH that expires before age 100, the balance amount in the Health Wallet will be locked-in upon the expiry of APH and this amount shall be payable upon the death of the Insured up to a maximum of 2 times of the Basic Plan Sum Assured, provided that the Basic Plan is still in force. We shall only reimburse Customary and Reasonable Charges incurred for the eligible benefits in the Schedule of Benefits above. The benefits above have been summarised and are not exhaustive. Please refer to the Policy contract for the full list of benefits, definitions, exclusions, terms and conditions.

• • • •

On top of the listed Schedule of Benefits, APH provides Referral Assistance (REA) Programme* with a call to 24-hour service hotline and reverse the call charges. Emergency Medical Evacuation and Repatriation is also part of this REA Programme.

•



The list of other REA Programme Assistance Services include:•

No. Assistance Services Benefits Exclusions

1 International Medical Assistance Programme

Emergency medical evacuation, medically supervised repatriation, repatriation of mortal remains and medical assistance.

Any following occurences is not covered under International and Domestic Medical Assistance Programme:

If the Insured is traveling despite the advice of a medical practitioner or for rest and recuperation following any prior accident or illness; or

-

2Domestic Medical Assistance Programme

Emergency medical evacuation, medically supervised repatriation and medical assistance.

If in the opinion of AIA Bhd's service provider, the Insured is not suffering from a serious medical condition or if the treatment can be reasonably delayed until the Insured returns to Malaysia or usual country of residence; or

-

3 Car Assistance ProgrammeEmergency towing and minor roadside repair, car rental assistance and referral to service centres.

Failure by the Insured to take reasonable precautions following warnings of any intended strike, riot or civil commotion via the mass media; or

-

Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane; or

-

4 Home Assistance Programme

Plumbing, locksmith, general repair, air conditioning and pest control assistance.

Any expenses arising from childbirth, miscarriage or pregnancy; or-

Any health condition which constitutes one of the reasons to undertake the trip; or

-

5

Provides information such as Visa, passport and inoculation requirements, assists in location of lost items, emergency message relay etc.

Travel Assistance Programme

If the Insured is traveling outside Malaysia exceeding 90 consecutive days under the International Medical Assistance Programme.

-

* The benefits described under the REA Programme are not exhaustive. Please refer to Your Policy contract for full list of benefits, exclusions, terms and conditions. Please note that AIA Bhd. reserves the right to revise any of the services and / or benefits under REA Programme from time to time. The Home Assistance services shall only be available to the Insured residing in major towns of Peninsular Malaysia.

The services (under item 3, 4 and 5) are confined to referral services only. The cost of the actual services shall be borne by You. The services are provided by a third party and the continuation of the services are subject to the agreement between AIA Bhd. and the third party.

• •

GENERAL DISCLOSURES:

Cost of Insurance (COI)

The COI of Basic Plan and Rider (if any) are deducted monthly from the value of Your units and it generally increases as You grow older.1.The COI of Basic Plan and Rider (if any) may vary by the attained age, gender, occupation, medical rating and smoking status.2.

3. The COI of Basic Plan and Rider (if any) are not guaranteed and AIA Bhd. reserves the right to revise the COI by giving You 3-month written notice prior to the next Policy Anniversary.

4. A-Plus Health COI is not guaranteed and AIA Bhd. reserves the right to revise the COI by giving You 30 days’ written notice prior to the next Policy Anniversary.

There is no COI charges for Anniversary Bonus.5.

The COI of Basic Plan is to pay for the insurance coverage up to age 100 or prior to death of the Insured, whichever is earlier.6.7. The COI of Rider(s) is to pay for the insurance coverage up to the age(s) specified below, or prior to termination of the Basic Plan, whichever is earlier:

Rider(s) Unit Deducting Term

APH@80 Age 80

Premium Holiday

1. In the event the premium is not paid, all Policy Charges and the COI of attaching riders will be deducted through cancellation of units from Your units and this will lead to depletion of Your Account Value. You have to ensure that Your Account Value is sufficient to deduct for the Policy Charges and the COI of attaching riders in order to enjoy the uninterrupted insurance coverage.

2.

Tax Relief

This plan may qualify You for a personal tax relief subject to the final decision of the Inland Revenue Board.1.

Important Notes

1. AIA Bhd. believes it is important that You fully appreciate all the benefits under Your Policy, and that You also understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits.

2. You should satisfy Yourself that this plan will best serves Your needs and that the premium payable under the Policy is an amount that You can afford. If You need clarification, please contact AIA Bhd. or Your AIA Life Planner.

3. If You are not satisfied with the Policy for whatever reason, You may cancel the Policy by returning Your Policy contract and giving a written request that is signed by You to AIA Bhd. within the 15-day Free Look Period after You have received Your Policy contract. The unallocated premiums, the value of units (if any) and other Policy Charges that have been deducted less medical expenses (if any) will be refunded.

4. Cessation of premium payment before the end of the premium payment term or the insufficiency of Your investment-linked Account Value to deduct for the COI will lead to an early termination of Your Policy.

The benefits described above have been summarised and are not exhaustive. Please refer to the Policy contract for the full list of benefits, exclusions, terms and conditions.

5.

Early surrender of the Policy or partial withdrawal of the Account Value is subject to charges.6.



Exclusions

Any death arising from the occurrences of the following is not covered under ALL 2:Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later. AIA Bhd.’s liability shall be limited to the refund of the Account Value without interest together with the total unallocated premium and Policy Charges and the COI of attaching riders deducted from the Issue Date or Commencement Date, whichever is later. Thereafter, the Policy shall be terminated.

1.

Any TPD arising from the occurrences of the following is not covered under APDC:Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane; or1.

2. Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or

3. Activities connected to any aerial device or conveyance except as a fare-paying passenger or crew member on a commercial airline on a regular scheduled passenger trip over its established passenger route; or

4. Any congenital defect which has manifested or was diagnosed before age 17; or

5. Pre-existing disability resulting from a physical or mental condition.

Any claims arising from the occurrences of the following is not covered under APH:1. Pre-Existing Illness

Pre-Existing Illness shall mean Disabilities prior to the Issue Date or Commencement Date, whichever is later, of the relevant Supplementary Hospitalisation Contract and that the Insured/You has/have reasonable knowledge of. The Insured/You may be considered to have reasonable knowledge of a Pre-Existing Illness where the condition is one for which:

(a) the Insured had received or is receiving treatment;

(b) medical advice, diagnosis, care or treatment has been recommended;

(c) clear and distinct symptoms are or were evident; or

(d) its existence would have been apparent to a reasonable person in the circumstances.

2. Specified Illness

Treatment or Surgery for Specified Illness until the Insured has been continuously covered under the relevant Supplementary Hospitalisation Contract for a period of one hundred and twenty (120) days immediately preceding such treatment or Surgery.

Specified Illness shall mean the following Disabilities and its related complications:

(a) Hypertension, diabetes mellitus and Cardiovascular disease;

(b) All tumours, cysts, nodules and polyps in any part of the body systems;

(c) Stones of the urinary system and biliary system;

(d) Any disease of the ear, nose (including sinuses) or throat;

(e) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;

(f) Any disease of the reproductive system including endometriosis; or

(g) Any disorders of the spine (including a slipped disc) or any knee conditions.

3. Any medical or physical abnormalities existing at the time of birth, as well as neo-natal physical abnormalities developing within six (6) months from the time of birth. This will include:

hernias of all types and epilepsy except when caused by a trauma which occurred after the date that the Insured is continuously covered under the relevant Supplementary Hospitalisation Contract, and

(a)

any congenital or hereditary conditions which has manifested or was diagnosed before the Insured attains seventeen (17) years of age; except when it is covered under Special Care Benefit.

(b)

4. Any Disability caused by self-destruction, intentional self-inflicted injuries, willful exposure to danger or any attempt of self-destruction while sane or insane; or

5. Any Disability caused by war, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations; or


7. Any violation or attempted violation of the law or resistance to arrest; or

8. Pregnancy, miscarriage or child birth (except the covered Maternity Complications under Specified Maternity Complications Benefit, which is only applicable after 1 year from the Issue Date or Commencement Date, whichever is later); or

9. Mental or nervous disorders (except the covered conditions under Mental Health Benefit), treatment of alcoholism, or drug abuse or any other complications arising from it or any drug accident not prescribed by a treating Doctor; or

10. Elective/Plastic/Cosmetic Surgery (except the Elective/Plastic/Cosmetic Surgery due to Accident or Cancer under Special Care Benefit), circumcision (except circumcision due to infection), eye examination/elective surgery for visual impairments due to nearsightedness, farsightedness or astigmatism or radial keratotomy; all corrective glasses, contact lenses or the use or acquisition of external prosthetic appliances or devices (except the artificial limb and hearing aid for Mobility and Hearing Support under the Recovery and Support Benefit) and prescriptions; or

11. Any form of dental care or Surgery including the replacement of natural teeth, placement of denture and prosthetic services such as bridges and crowns or their replacement unless necessitated by Injury covered under the Emergency Accidental Out-patient Treatment Benefit; or

12. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician (except the Health Screening under Prevention Benefit), vitamins/food supplements and treatments specifically for weight reduction or gain; or

Any treatment or investigation which is not Medically Necessary, or convalescence, custodial or rest care; or 13.

Any medical or physical conditions arising within the first thirty (30) days of the Issue Date or Commencement Date, whichever is later, of the relevant Supplementary Hospitalisation Contract except for Covered Injury; or

14.

15. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapon material; or

Expenses incurred for donation of any body parts or organ by the Insured and acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. We will only reimburse the Reasonable and Customary Charges incurred on Major Organ/Bone Marrow Transplant Surgery for the Insured being the recipient, limited to once per Lifetime; or

16.



17. Out-patient Kidney Dialysis Treatment where the symptoms first occurred prior to or within 30 days from the Issue Date or Commencement Date, whichever is later; or

Out-patient Cancer Treatment Benefit where the symptoms first occurred prior to or within 60 days from the Issue Date or Commencement Date, whichever is later; or

18.

Overseas treatment if Insured resides or travels outside Malaysia (excluding Singapore and Brunei) for more than 90 consecutive days.19.

Note: This list is not exhaustive. Please refer to the Policy contract for the full list of exclusions.



AIA Investment Funds

1. The description of the underlying investments of each fund is as follows:

AIA Investment Funds Investment Objective Target Market Risk Profile

HighThose seeking capital growth over long-term.

The Fund seeks to maximize medium to long term growth of capital and income through investment in a diversified portfolio of well managed large capital companies that are believed to offer above average growth potential. The Fund is suitable for growth-oriented investors who are willing to take moderate to high risk in order to achieve attractive capital gains.

AIA Equity Plus Fund

The primary goal of this Fund is to provide a steady stream of income returns through investments in fixed income securities and money market instruments. The secondary goal of the Fund is to provide medium to long-term capital appreciation whilst preserving the capital invested.

LowThose seeking stable income potentially higher than the prevailing fixed deposit rates.

AIA Fixed Income Fund

ModerateThose seeking moderate returns with reasonable protection on the capital invested.

AIA Balanced Fund

The Fund is to maximize total returns with reasonable safety of principal through investment in a diversified portfolio of equity, fixed income securities and cash equivalent securities. The Fund is suitable for investors who are willing to take moderate risk in order to achieve a reasonable return.

Moderate

This Fund focuses on Shariah-approved securities listed on Bursa Malaysia and Islamic debt securities in order to maximize medium to long-term capital appreciation on your investment. The Fund is suitable for investors who are willing to take moderate risk in order to achieve a reasonable return.

Those willing to accept moderate risks for reasonable returns.

AIA Dana Progresif

This Fund invests in Shariah-approved securities listed on Bursa Malaysia in order to maximize medium to long-term capital appreciation on your investment. The Fund is suitable for high risk tolerance equity investors.

HighThose seeking capital appreciation from a Shariah-based equity.

AIA Dana Dinamik

Those seeking higher capital appreciation.

The Fund seeks long-term growth of capital and income through investment in a diversified portfolio of stocks. This Fund is a high conviction fund which takes more concentrated position in sector and stock positioning. The Fund is suitable for high risk tolerance equity investors.

HighAIA Aggressive Fund

AIA Medium Cap Fund HighThose seeking to maximise medium to long-term growth of capital.

The Fund seeks medium to long-term growth of capital and income through investment in a diversified portfolio of stocks. Focus will be on small and medium sized enterprises and growth stocks. The Fund is suitable for high risk tolerance equity investors.

AIA New Horizon Fund

By investing in equity and equity-related securities of companies in both local and global markets permissible by prevailing regulations, the goal of this Fund is to provide medium to long-term capital growth on your investment.

Those seeking to maximise potential for capital growth.

High

By investing in equity and equity-related securities of companies in three regional markets i.e. Greater China, India and Japan, this Fund is aimed at providing long-term capital growth. From time to time, this Fund may invest in global emerging markets’ securities in times of adverse investment climate in any of these three regional markets. The investment in global emerging markets will be allocated across markets which include but are not limited to Central & Eastern Europe, South East Asia, Latin America and Africa.

HighAIA Asia Platinum FundThose looking for a long-term investment with higher capital appreciation.



AIA Investment Funds Investment Objective Target Market Risk Profile

High

The objective is to provide long term capital growth by investing in equities and equity-related investments in small to medium sized companies whose assets, products or operations are in Europe and Asia.

AIA International Small Cap Fund

Those able to accept short-term losses due to market volatility.

Those able to accept volatile markets to a certain extent.

The primary goal of this Fund is to provide long- term capital growth by investing in large and smaller capitalization equities, and fixed income in the United States, Europe, Japan, Asia Pacific and emerging markets including but not limited to markets located in Central & Eastern Europe, South East Asia, Latin America and Africa. It is also flexible by allowing investments in newer funds launched in the future. The Fund adopts a relatively balanced approach towards equities and bond exposure with the aim of providing stable growth of your investment.

AIA Eleven Plus Fund Moderate

The primary goal of this Fund is to provide a steady stream of income returns through investments in Islamic fixed income securities and Islamic money market instruments. The secondary goal of the Fund is to provide medium to long-term capital appreciation whilst preserving the capital invested.

AIA Dana Bon LowThose seeking stable income and reasonable protection on the capital invested.

HighThose seeking higher capital appreciation.

AIA Asia Opportunity Fund aims to provide capital appreciation over the medium to long term by investing primarily in equities and equity related instruments in companies with significant business operations in the Asian excluding Japan region.

AIA Asia Opportunity Fund

ModerateThose seeking potential attractive dividend yields and steady capital growth over medium to long-term.

This Fund seeks steady capital growth and income by investing mainly in a portfolio of stocks listed on the Bursa Malaysia which offer or have the potential to offer attractive dividend yields. This Fund is suitable for moderate risk tolerance investors who seek steady capital growth and at the same time seek income stream opportunities.

AIA Equity Dividend Fund

Moderate

The Fund aims at income growth through active management of a portfolio of USD denominated bonds from Asian countries. It is suitable for moderate investors who are willing to take moderate risk in order to achieve capital security and high level income stream.

Those seeking income growth.AIA Asian Debt Fund

Those seeking capital growth over long-term. HighAIA Asian Equity Fund

The Fund invests in a diversified portfolio of shares issued by companies incorporated in Asia excluding Japan and Australia. It is suitable for very aggressive investors who are willing to take high risk in order to achieve higher potential returns.

HighThose seeking attractive dividend yields.AIA International High Dividend Fund

The Fund invests in a diversified portfolio of shares issued by companies incorporated in the world and offering an attractive dividend. It is suitable for aggressive investors who are willing to take high risk in order to achieve attractive capital gains and stable income stream.

Although AIA Dana Progresif, AIA Dana Dinamik and AIA Dana Bon invest in Shariah-approved securities, the ILIP that utilizes these funds is not classified as a Shariah-compliant product.

2.

3. The choice of funds should be based on, among others, Your tolerance to risk. Please seek advice from Your AIA Life Planner or AIA Bhd. on Your tolerance to risk.



Summary Illustration

LIEU CHING FOOPrepared by :

Alex UAInsured Name :

Female A54-01-03No28 Gender:Age Last Birthday Smoker Occupation Code :: :

Annual:Payment Mode

APDCALL 2 APH@80Plan / Rider(s) :

:Annual Premium (RM) 2,300.00 Unit deducting-: 6,000 6,000Coverage (RM) 200 (Ded: 300)

Medical Rating :

Occupation Rating :

A-Plus Saver : RM 120 annually from Policy Year 1 to Policy Year 72. (Allow Policy Charges deduction from A-Plus Saver)

Plan Type Regular Premium Investment-Linked Insurance Plan which covers up to age 100 of the Insured.:

Fund(s) Chosen:

AIA Balanced Fund 100%


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Page 1

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Summary Illustration (Continue)

End of Policy Year

Insured Age at End of Year

Protection Account

Allocated Premium

NON-GUARANTEED

Projected Investment Return

(X) (Y)

COI FMC Account Value

Account Value

COI FMCSurrender Charge

Surrender Value

Surrender Charge

Surrender Value

1 1,380.00 844 11 400 12 500844 2980 320 100 400

302 1,380.00 844 15 844 16800 80 720 900 90 810

3 1,380.00 844 20 1,300 22 1,500844 310 1,300 0 1,500

324 1,840.00 956 30 956 332,100 0 2,100 2,400 0 2,400

5 1,840.00 956 39 2,900 44 3,400956 330 2,900 0 3,400

346 1,840.00 957 49 957 563,700 0 3,700 4,400 0 4,400

7 2,185.00 957 63 4,900 73 5,900957 350 4,900 0 5,900

368 2,185.00 957 77 957 916,100 0 6,100 7,400 0 7,400

9 2,185.00 1,032 91 7,200 110 9,0001,032 370 7,200 0 9,000

3810 2,300.00 1,032 106 1,032 1308,500 0 8,500 10,800 0 10,800

11 2,300.00 1,032 121 9,800 152 12,7001,032 390 9,800 0 12,700

4012 2,300.00 1,032 137 1,032 17611,100 0 11,100 14,700 0 14,700

13 2,300.00 1,032 153 12,400 201 16,8001,032 410 12,400 0 16,800

4214 2,300.00 1,342 167 1,342 22613,500 0 13,500 18,800 0 18,800

15 2,300.00 1,342 180 14,500 250 20,9001,342 430 14,500 0 20,900

4416 2,300.00 1,342 193 1,342 27515,600 0 15,600 23,100 0 23,100

17 2,300.00 1,345 206 16,700 302 25,4001,345 450 16,700 0 25,400

4618 2,300.00 1,346 219 1,346 33117,800 0 17,800 27,900 0 27,900

19 2,300.00 1,417 232 18,800 361 30,5001,417 470 18,800 0 30,500

4820 2,300.00 1,419 245 1,419 39319,900 0 19,900 33,200 0 33,200

21 2,300.00 1,420 258 21,000 422 35,3001,420 490 21,000 0 35,300

5022 2,300.00 1,422 271 1,422 44822,100 0 22,100 37,400 0 37,400

23 2,300.00 1,424 284 23,200 474 39,7001,424 510 23,200 0 39,700

5224 2,300.00 2,229 293 2,229 49723,500 0 23,500 41,200 0 41,200

25 2,300.00 2,231 297 23,800 515 42,7002,231 530 23,800 0 42,700

5426 2,300.00 2,234 300 2,234 53524,200 0 24,200 44,400 0 44,400

27 2,300.00 2,239 304 24,500 554 46,0002,239 550 24,500 0 46,000

5628 2,300.00 2,240 308 2,240 57524,800 0 24,800 47,800 0 47,800

29 2,300.00 2,415 311 25,000 595 49,4002,415 570 25,000 0 49,400

5830 2,300.00 2,420 313 2,420 61525,100 0 25,100 51,100 0 51,100

Where "-" is shown in the above illustration, this indicates that the Policy may lapse under the respective projected investment return.

Total COI is higher than the premium paid when the Insured reaches age 59 and above, therefore Account Value may eventually be depleted due to payments of COI and any applicable charges/fees.

represents pessimistic returns and You should not make Your buying decision solely based on this scenario. represents optimistic returns and You should not make Your buying decision solely based on this scenario.

(X)(Y)Surrender Value stated above is net of Surrender Charge.

AIA Bhd. (790895-D) 07/15/2019AIA IPOS SQS Ver 10.5 / 17


Summary Illustration (Continue)

End of Policy Year

Insured Age at End of Year

Savings Account

Allocated Premium

NON-GUARANTEED


(X) (Y)

Account Value

FMC FMC Account Value

COI COISurrender Charge

Surrender Value

Surrender Charge

Surrender Value

1 29114.00 0 2 100 1 10000 100 0 100

02 114.00 300 3 0 3300 0 300 300 0 300

3 31114.00 0 4 300 4 30000 300 0 300

04 114.00 320 5 0 6400 0 400 500 0 500

5 33114.00 0 7 600 8 60000 600 0 600

06 114.00 340 8 0 10700 0 700 800 0 800

7 35114.00 0 10 800 11 1,00000 800 0 1,000

08 114.00 360 11 0 14900 0 900 1,200 0 1,200

9 37114.00 0 13 1,100 16 1,40000 1,100 0 1,400

010 114.00 380 15 0 191,200 0 1,200 1,600 0 1,600

11 39114.00 0 17 1,300 22 1,80000 1,300 0 1,800

012 114.00 400 18 0 241,500 0 1,500 2,100 0 2,100

13 41114.00 0 20 1,700 27 2,40000 1,700 0 2,400

014 114.00 420 22 0 291,800 0 1,800 2,600 0 2,600

15 43114.00 0 23 2,000 33 2,80000 2,000 0 2,800

016 114.00 440 25 0 372,100 0 2,100 3,100 0 3,100

17 45114.00 0 26 2,200 41 3,50000 2,200 0 3,500

018 114.00 460 28 0 442,400 0 2,400 3,800 0 3,800

19 47114.00 0 30 2,600 49 4,10000 2,600 0 4,100

020 114.00 480 32 0 532,700 0 2,700 4,500 0 4,500

21 49114.00 0 33 2,800 57 4,80000 2,800 0 4,800

022 114.00 500 35 0 603,000 0 3,000 5,100 0 5,100

23 51114.00 0 37 3,200 64 5,40000 3,200 0 5,400

024 114.00 520 39 0 683,400 0 3,400 5,700 0 5,700

25 53114.00 0 41 3,500 72 6,20000 3,500 0 6,200

026 114.00 540 44 0 753,600 0 3,600 6,400 0 6,400

27 55114.00 0 46 3,800 81 6,90000 3,800 0 6,900

028 114.00 560 48 0 854,000 0 4,000 7,200 0 7,200

29 57114.00 0 50 4,200 90 7,60000 4,200 0 7,600

030 114.00 580 52 0 944,400 0 4,400 8,000 0 8,000

Where "-" is shown in the above illustration, this indicates that the Policy may lapse under the respective projected investment return.

Total COI is higher than the premium paid when the Insured reaches age 59 and above, therefore Account Value may eventually be depleted due to payments of COI and any applicable charges/fees.

represents pessimistic returns and You should not make Your buying decision solely based on this scenario. represents optimistic returns and You should not make Your buying decision solely based on this scenario.

(X)(Y)Surrender Value stated above is net of Surrender Charge.

IMPORTANT NOTE:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

WARNING:

YOUR COI WILL INCREASE AS YOU GET OLDER. IF YOU HAVE PURCHASED ANY MEDICAL INSURANCE RIDERS, THE COI OF SUCH RIDERS ARE NOT GUARANTEED AND WILL INCREASE DUE TO MEDICAL COST INFLATION OR OVERALL CLAIMS EXPERIENCE, WHICH IS NOT REFLECTED IN THIS ILLUSTRATION. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED ACCOUNT VALUE IS NOT ENOUGH TO PAY FOR YOUR COI DUE TO POOR INVESTMENT RETURNS, INCREASE IN ANY NON-GUARANTEED COI, PREMIUM HOLIDAY EXERCISED OR PARTIAL WITHDRAWAL MADE, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.*

* You should ask Your AIA Life Planner to explain to You about the COI and its effect on Your future insurance coverage.



NOTES:

1. You should read this illustration together with the Fund Fact Sheet of the investment fund(s) which You have chosen. The Fund Fact Sheet contains all the important information that You will need to know regarding the investment fund(s). Please refer to the Fund Fact Sheet in our Company’s website at www.aia.com.my for details.

This is a summary illustration of projected benefits. It is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on Account Value based on the illustration.

2.

The projected investment returns used are for illustrative purposes and not meant to show possible returns of Your chosen investment fund(s). They are neither guaranteed nor based on past performance.

3.

Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in. It may even be below the projected investment returns or negative.

4.

5. Buying a regular premium ILIP is a long-term financial commitment. It is not advisable to hold the Policy for a short period of time in view of the high initial costs. Since the premium allocation is relatively lower for the first 3 Policy Years, while A-Plus Saver allocates 95% of the amount towards purchasing units, You can maximise Your investment value by maintaining sufficient premium to meet Your needs and increasing Your A-Plus Saver, subject to a minimum total Annual Regular Premium of RM1,800.

Minimum Annual Premium (of Basic Plan) - : RM 1,200 per annumMinimum A-Plus Saver- : RM 120 per annum

In cases where the purchase involves a premium of sizeable amount say RM 5,000 and above, You should consider purchasing a single premium ILIP (rather than a regular premium ILIP) as single premium ILIP offers better allocation rates for investment. However, please note that single premium ILIP offers lower insurance protection as compared to a regular premium ILIP.

6.

You may increase the Sum Assured without increasing the regular premium if applicable. However, Your Policy may not sustain through your intended coverage period.

7.

Your ILIP will lapse if there are insufficient units in Your fund to pay the required charges. Your units could be insufficient over the years due to:8.High COI if You attach a lot of riders (i.e. optional and add-on benefits), and especially if the charges are increasing over time as You get older. Poor investment returns. Premium holiday - i.e. if You stop paying premiums for a long period of time.

---

9. The information set out below explains the individual items in the summary illustration.

Premium Paid

This is the amount that You (the Policy Owner) pay for the Policy. Take note that not all of the amount paid will be invested into Your investment fund(s). See explanation on unallocated and allocated premium.

1.

2. This amount includes rider's premium and extra premium (if any).3. Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.

Unallocated Premium

The unallocated premium charge is an upfront charge on the premium paid and is used to meet AIA Bhd.'s expenses and total distribution cost, including the commissions payable to the AIA Life Planner.

1.

Allocated Premium

This is the amount that will be used to purchase units in the investment fund(s) which You have selected. The allocation rates for this ILIP are as follows (as a % of premiums):

1.2.

Policy Year 1 2 3 4 5 6 >=10987

Premium Paid for Protection Account

2,300.00 2,300.00 2,300.00 2,300.00 2,300.00 2,300.00 2,300.00RM 2,300.00 2,300.002,300.00

Allocated Premium

% 60.00 60.00 60.00 80.00 80.00 80.00 100.0095.0095.0095.00

RM 1,380.00 1,380.00 1,380.00 1,840.00 1,840.00 1,840.00 2,300.002,185.00 2,185.002,185.00

Policy Year From 1 to 72

Premium Paid for Savings Account (A-Plus Saver)

RM 120.00

Allocated Premium% 95.00

RM 114.00

Basic Sum Assured

This is the minimum amount to be received on death or TPD (if applicable), provided the Policy does not lapse.1.



Scenario (Y)Scenario (X)



Years Years

1-201 and onwards >20 1-20 >201 and onwards

6.00%9.00%2.00% 9.00% 2.00%6.00%AIA Equity Plus Fund AIA International Small Cap Fund

6.00%9.00%4.00% 7.00% 2.00%5.00%AIA Fixed Income Fund AIA Eleven Plus Fund

5.00%7.00%3.00% 8.00% 4.00%5.50%AIA Balanced Fund AIA Dana Bon

6.00%9.00%2.00% 9.00% 2.00%6.00%AIA Dana Progresif AIA Asia Opportunity Fund

6.00%9.00%2.00% 9.00% 2.00%6.00%AIA Dana Dinamik AIA Equity Dividend Fund

5.00%7.00%2.00% 9.00% 4.00%6.00%AIA Aggressive Fund AIA Asian Debt Fund







Years Years

1-201 and onwards >20 1-20 >201 and onwards

6.00%9.00%2.00% 9.00% 2.00%6.00%AIA Medium Cap Fund AIA Asian Equity Fund

6.00%9.00%2.00% 9.00% 2.00%6.00%AIA New Horizon Fund AIA International High Dividend Fund

2.00% 9.00% 6.00%AIA Asia Platinum Fund

Your Policy may not sustain through Your intended coverage period because it is NOT GUARANTEED and will depend upon actual investment returns, non-guaranteed charges and premium paid as well as any partial withdrawals made or Unit Deducting Rider (if any) added to Your Policy.

1. The above returns (%) have been used respectively to represent the range of possible returns on the respective funds. The projected returns are before tax and fund charges.

Past actual performance is not a guide to future performance which may be different.2.

The price of units may rise or fall. The performance of the fund(s) is NOT GUARANTEED. The value of the fund may fall below the amount of premium paid and depends on the performance of the underlying investments.

3.

Below is the historical actual annual returns (net of tax and FMC) of the funds compared with the selected benchmark indices:4.

AIA Investment Funds 20142018 2017 20152016

11.96%-14.27% -0.47%AIA Equity Plus Fund -1.54%2.52%

4.54%4.62%5.07%AIA Fixed Income Fund 3.42%3.85%

0.86%10.11%-8.44%AIA Balanced Fund -0.31%2.96%

AIA Dana Progresif -12.88% 6.69% -1.77% 1.45%5.11%

-4.10%7.87%-17.43%AIA Dana Dinamik 1.06%2.75%

AIA Aggressive Fund -19.26% 17.97% -1.76% 4.17%2.11%

0.83%22.51%-24.69%AIA Medium Cap Fund -1.52%12.08%

AIA New Horizon Fund -14.27% 14.24% 4.64% 3.08%11.68%

7.46%22.16%-7.50%AIA Asia Platinum Fund 14.12%21.58%

AIA International Small Cap Fund -18.02% 22.31% 3.37% 7.78%32.26%

AIA Eleven Plus Fund 4.06%9.52%-10.96% 3.49%20.86%

AIA Dana Bon 5.73% 4.78% 4.08% 3.06%3.44%

-14.20% 6.18%19.34%AIA Asia Opportunity Fund 10.22%7.83%

AIA Equity Dividend Fund 13.95%-11.64% 0.00% 2.20%8.00%

-0.05%AIA Asian Debt Fund -3.38% 9.52% 12.88%22.88%

-7.60% 17.62%AIA Asian Equity Fund 6.36% 11.24%11.11%

AIA International High Dividend Fund 3.90%-9.42% 12.78% 6.88%15.07%

2014201520162018Benchmark IndicesAIA Investment Funds 2017

95% FTSE Bursa Malaysia Top 100 Index + 5% 1-month KLIBOR

12.25%-8.65% -2.16%AIA Equity Plus Fund -5.71%-2.56%

MGS ALL IndexAIA Fixed Income Fund 3.60% 5.60% 4.86% 3.81%3.37%

AIA Balanced Fund -5.46%70% FTSE Bursa Malaysia Top 100 Index + 30% MGS ALL Index

10.59% -0.70% -0.56% -3.25%

AIA Dana Progresif 8.92% -3.16%-8.35%70% FTSE Bursa Malaysia Emas Shariah Index + 30% GII ALL Index

-1.65%3.01%

95% FTSE Bursa Malaysia Emas Shariah Index + 5% 1- month KLIBOR

-12.70%AIA Dana Dinamik 10.35% -3.80%2.44%-5.68%

AIA Aggressive Fund -8.65% -2.16%95% FTSE Bursa Malaysia Top 100 Index + 5% 1-month KLIBOR

-5.71%-2.56%12.25%

-17.68%AIA Medium Cap Fund -0.55%95% FTSE Bursa Malaysia Mid 70 Index + 5% 1-month KLIBOR

-7.33%22.33% 0.73%

8.13%AIA New Horizon Fund 50% FTSE Bursa Malaysia Top 100 Index + 50% MSCI AC World DTR Net Index

2.24%5.28%12.35%-8.17%

30% MSCI AC Golden Dragon DTR Net Index + 30% MSCI India DTR Net Index + 30% Tokyo Stock Exchange First Section TR Index + 10% MSCI Emerging Market DTR Net Index

23.13%-10.05% 7.85%AIA Asia Platinum Fund 15.04%19.80%



2014201520162018Benchmark IndicesAIA Investment Funds 2017

8.97%18.79%-15.55%AIA International Small Cap Fund

30% EMIX Smaller European Companies Total Return Net Index + 30% MSCI Japan SMID DTR Net Index + 40% MSCI Asia Pacific ex Japan Small Cap USD Net Index

27.09% 7.55%

N / AN / A N / AAIA Eleven Plus Fund N / A N / AN / A

3.84%3.63%AIA Dana Bon 12-month Maybank General Investment Acc. (Islamic) Tier 1 Rate

3.70%3.39% 3.29%

-11.74% 11.66%9.97%95% MSCI AC Asia ex Japan DTR Net Index + 5% Fed Fund Rate

12.17%AIA Asia Opportunity Fund

25.75%

AIA Equity Dividend Fund -8.65%95% FTSE Bursa Malaysia Top 100 Index + 5% 1-month KLIBOR

-2.16%12.25% -2.56% -5.71%

JP Morgan Asia Credit Index AIA Asian Debt Fund 1.33% -4.57% 10.56% 26.24% 15.63%

MSCI AC Asia ex-Japan DTR Net Index -12.56% 10.17%27.85%AIA Asian Equity Fund 11.54% 11.88%

10.04%8.36%AIA International High Dividend Fund

MSCI World Index 9.87%-8.55% 19.43%

Source: Bursa Malaysia, Bloomberg, RAM QuantShop @ www.quantshop.com, Bank Negara Malaysia and Maybank @ www.maybank2u.com.my. All data as at 31 December 2018.

Policy Charges

The charges taken out of Your investment fund(s) are as follows:1.

Nature of Charge / Expenses

Purpose of Charge Amount

The COI varies by the attained age, gender, occupation, medical rating and smoking status. The COI generally increases as You grow older.

To cover the cost of providing insurance coverage.

Cost of Insurance (COI)

Other Charges

Monthly Service Charge (RM)

Payment Mode

Monthly Service Charge To cover the administration cost of maintaining Your Policy. Annual 8.00

8.00Semi-annual

Quarterly 8.00

Monthly 8.00

To cover the administration costs of engaging third party administrator for the attached medical rider. This charge is applicable for A-Plus Health.

Medical Service Charge is RM 3.00 monthly and it is deducted from Account Value every month.

Medical Service Charge

Policy Year Percentage of Account ValueIf you decide to surrender your policy within the first 2 policy years, the Surrender Charge shall be imposed on the Account Value, excluding any Account Value from A-Plus Saver (if any), or Top-up Premium, at the rate as shown in the table. The Surrender Charge shall be deducted from the total Account Value.

Surrender Charge 20%1

2 10%

Percentage of Withdrawal Amount

Partial Withdrawal Charge

If you make any withdrawal within the first 2 policy years, the Partial Withdrawal Charge shall be imposed on the total withdrawal amount, excluding any Account Value from A-Plus Saver (if any), or Top-up Premium (if any), at the rate as shown in the table. The Partial Withdrawal Charge shall be deducted from the total withdrawal amount.

Policy Year

20%1

2 10%

The fund switching charge is currently free.To cover the administration cost of switching Your fund(s).

Fund Switching Charge

The illustrated COI and other charges are based on current levels. These charges are not guaranteed and AIA Bhd. reserves the right to revise the charges by giving You 3 months written notice prior to the next Policy Anniversary.

2.

A-Plus Health COI is not guaranteed and AIA Bhd. reserves the right to revise the COI by giving You 30 days’ written notice prior to the next Policy Anniversary.

3.



Fund Management Charge (FMC)

The FMC is deducted to cover the cost of managing Your fund(s). It is charged as a percentage of the net asset value.1.The FMC is not guaranteed and AIA Bhd. reserves the right to revise the charge by giving You 3 months prior written notice.2.

AIA Investment Funds Current Charge Maximum Charge

1.500%AIA Equity Plus Fund 1.500%

1.000%AIA Fixed Income Fund 0.500%

1.500%AIA Balanced Fund 1.200%

AIA Dana Progresif 1.400% 1.500%

1.500%AIA Dana Dinamik 1.475%

AIA Aggressive Fund 1.475% 1.500%

1.475%AIA Medium Cap Fund 1.500%

1.500%AIA New Horizon Fund 1.500%

1.500%AIA Asia Platinum Fund 1.500%

AIA International Small Cap Fund 1.500% 1.500%

1.500%AIA Eleven Plus Fund* 1.500%

0.500%AIA Dana Bon 1.000%

1.500%1.500%AIA Asia Opportunity Fund

1.500% 1.500%AIA Equity Dividend Fund

AIA Asian Debt Fund 1.000%1.000%

AIA Asian Equity Fund 1.500%1.500%

AIA International High Dividend Fund 1.500% 1.500%

* The current FMC will vary depending on the asset allocation percentage in equity funds and fixed income funds. The maximum FMC for equity funds and fixed income funds is 1.5% per annum and 1% per annum respectively.

Account Value

This is the projected value of units at any particular point in time that You may receive (net of tax and less the surrender charge, if applicable) if You surrender the Policy. If the Policy is terminated early, You may get less than the amount of premium paid.

1.

Total Death Benefit

This amount is the total of Sum Assured of Basic Plan, Anniversary Bonus and Account Value (excluding rider’s surrender values, if any) which will be payable upon death.

1.

Total Distribution Cost

Total Distribution Cost is the amount received by the intermediary for the sale of this policy and services that the intermediary will provide to you for the duration of your policy. This amount is paid from the charges that are imposed on your policy. This amount also includes the amount that the intermediary may be entitled to for the duration of your policy provided that the intermediary meets the performance criteria set by the company.

1.



Applicant's Confirmation

I understand that AIA Bhd. is relying on me to confirm the following information:

I have received a copy of all 17 pages of this illustration (English only). I have reviewed the illustration and understand its purpose is to help me understand how the Policy works and not to project future values. I understand that this is an Investment-Linked Insurance Plan and actual returns will vary depending on the actual performances of the AIA Investment Fund(s), which is not guaranteed; while the Policy Charges and Fund Management Charge are subject to change.

I understand that any non-guaranteed elements including the financial values as appearing in the "Summary Illustration" of this illustration are subject to change and could either be higher or lower. The AIA Life Planner has informed me that these are not guaranteed. I also understand that guaranteed values may be affected by withdrawals / surrenders, or other Policy changes I make.

I understand that in the event the Policy lapses, all attaching riders (if any) will also lapse.

Any changes in the Sum Assured, payment mode, premiums or other optional riders that I may make in the future will also affect the values illustrated.

I have received a copy of the current Product Disclosure Sheet (PDS) for the Investment-Linked Insurance Policy. My AIA Life Planner has also reviewed the Fund Fact Sheet (which is also available on www.aia.com.my) for the AIA Investment Fund(s) of my choice with me.

I understand that the earlier sales illustration proposal which was presented to me by my AIA Life Planner may be different from the current illustration as my earlier sales illustration was based on the coverage of a standard life. This illustration may present higher premium or COI of Basic Plan or Rider (if any) as a result of my occupation or medical condition; whichever deemed applicable as a final result of AIA Bhd.'s underwriting assessment of my coverage. Therefore, the financial values presented by my AIA Life Planner earlier based on my original sales illustration proposal and the coverage period on a standard life may differ from the current illustration.

By signing this illustration I understand that I am still able to take any appropriate action or recourse should there be any dispute arising in the future.

DateSignature of ApplicantName:

AIA Life Planner's Confirmation

I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with this illustration.

Signature of AIA Life Planner Date

Name:

This illustration is not complete unless all pages are included. This illustration is only to be used for insurance sales presentation in Malaysia.


AIA Bhd.(790895-D)Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur Care Line: 1300 88 1899 T: 03-2056 1111 F: 03-2056 3891 E: [email protected] AIA.COM.MY

PRODUCT DISCLOSURE SHEETPlease read this Product Disclosure Sheet before you decide to take up A-LifeLink 2. Be sure to also read the general terms and conditions.

LIEU CHING FOOPrepared by :

Insured Name : Alex UA

Female A54-01-03No28 Gender:Age Last Birthday Smoker Occupation Code :: :

1. What is this product about?

A-LifeLink 2 is a regular premium Investment-Linked Insurance Plan (ILIP), which offers a combination of protection and savings element. A-LifeLink 2 covers death and Total and Permanent Disability (TPD) and it matures at age 100 of the Insured. This plan comes with: 1

Anniversary Bonus – Sum Assured of Basic Plan increases by 1% every year for 20 years starting from the beginning of the 2nd Policy Year at no additional cost. It is payable upon death, TPD and critical illness (if A-Plus CriticalCare is attached at Policy inception).

(i)

(ii) 5-year Guaranteed Coverage – The Policy shall continue to be in force within the first 5 Policy Years even though the Account Value is insufficient, subject to further terms and conditions.

You may enhance the insurance protection of this plan by adding extra coverage from a wide range of optional riders. These benefits are made available subject to additional Cost of Insurance (COI) and premium payment.

The value of the ILIP depends on the price of the underlying units, which in turn depends on the performance of Your chosen fund.

TPD coverage is up to age 70 of the Insured (if applicable). 1

2. What are the covers / benefits provided?

Description Benefits

A-LifeLink 2 (ALL 2)RM 6,000 + Anniversary Bonus + Account ValueDeath Benefit

Maturity Benefit Account Value

RM 6,000 + Anniversary Bonus

A-Plus DisabilityCare (APDC)Coverage for Total and Permanent Disability (TPD).

APDC benefit is issued for issue age 65 and below. The APDC Sum Assured may vary depending on the final result of AIA Bhd.'s underwriting assessment on age, occupation and/or medical conditions.

Suited OccupationAdvance payment of 10% of the total of APDC Sum Assured and Anniversary Bonus for the first 2 years and remaining 80% of the total of APDC Sum Assured and Anniversary Bonus in the 3rd year.

Presumptive Disability or Any OccupationLump sum payment of the total of APDC Sum Assured and Anniversary Bonus.

The coverage for APDC is up to age 70 of the Insured or expiry of the Basic Plan, whichever is earlier.

A-Plus Health (APH@80)RM 1,500,000

Annual Limit (applicable for item no.1 to 12)

No LimitLifetime Limit

Deductible Amount (applicable for In-patient Care only, item no.1 to 3) RM 300 Per Any One Disability

RM 200

In-patient Care

1. Hospital Room and Board Benefit (150 days maximum per rider year and daily maximum not to exceed the amount shown)

As Charged, subject to Annual Limit 2. Intensive Care Unit Benefit (150 days maximum per rider year)

3. In-Hospital Related Fees


Out-patient Care

4. Pre-Hospitalisation Benefit (within 60 days before Hospitalisation)

5. Post-Hospitalisation Treatment Benefit (within 150 days after Hospitalisation)

6. Out-patient Kidney Dialysis Treatment Benefit and Out-patient Cancer Treatment Benefit


07/15/2019AIA Bhd. (790895-D)

AIA IPOS SQS Ver 10.5 4Page 1 /

Description Benefits


7. Day Care Procedure and Surgery Benefit

8. Emergency Accidental Out-patient Treatment (inclusive Dental) and 30 days Follow-up Treatment

Extra Care

Up to RM 7,000 per lifetime9. Optical Support - Intraocular lens

10. Specified Maternity Complications Benefit Up to RM 10,000 per lifetime

11. Out-patient Dengue Fever Treatment Benefit Up to RM 2,000 per Disability

12. Home Nursing Care Benefit (180 days maximum per lifetime) Up to RM 4,000 per Confinement

13. Emergency Medical Evacuation and Repatriation Up to USD 1,000,000 per event

Health Wallet Yearly Health Wallet Amount (applicable for item no. 14 to 18)

RM 1,500 The amount above will be credited to Health Wallet at the end of the rider year, provided no claim has been made for benefit item no 1 to 12 in the immediate preceding year, up to a total of 10 times.

Up to RM 300 every year, subject to total amount available in Health Wallet

14. Prevention Benefiti. Health Screening ii. Vaccination (age 16 and above): - Flu vaccination - Hepatitis B - HPV - Shingles - Pneumococcal

15. Special Care BenefitAs Charged, subject to the total amount available in Health Walleti. Congenital Conditions

ii. Elective/Plastic/Cosmetic surgery due to Accident or Cancer

As Charged, subject to the total amount available in Health Wallet

16. Recovery and Support Benefiti. Mobility and Hearing Support

- Artificial Limb - Hearing Aid

ii. Recovery Care

- Cancer - Stroke - Heart Attack (applicable to low, medium and high severity conditions)

17. Mental Health Benefit Psychiatrist Consultation Fees for the following conditions: - Major Depressive Disorder - Obsessive Compulsive Disorder - Schizophrenia - Bipolar Disorder - Tourette Syndrome - Postpartum Depression

Up to RM 1,500 every year, subject to total amount available in Health Walle

18. Protect Boost

The total amount available in Health Wallet shall be payable:

for the remaining Eligible Expenses in the event the Annual Limit is fully utilised, or

(a)

upon death of the Insured, up to 2 times of the Basic Plan Sum Assured.

(b)

The coverage for APH is up to age 80 of the Insured. If you choose APH that expires before age 100, the balance amount in the Health Wallet will be locked-in upon the expiry of APH and this amount shall be payable upon the death of the Insured up to a maximum of 2 times of the Basic Plan Sum Assured, provided that the Basic Plan is still in force. We shall only reimburse Customary and Reasonable Charges incurred for the eligible benefits above. The benefits above have been summarised and are not exhaustive. Please refer to the Policy contract for the full list benefits, definitions, exclusions, terms and conditions.

• • •

Fund(s) chosen: Investment Allocation (%)

100%AIA Balanced Fund

Reminder: Please refer to the Policy contract and / or sales illustration, which has information of the product benefits and objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit Your financial goals and risk profile.

3. How much premium do I have to pay?

The total premium that You have to pay and the Policy terms may vary depending on AIA Bhd.'s underwriting requirements.

The estimated total premium that You have to pay : RM 2,420.00 annually.

Premium payment term : Until the Insured reaches age 100.

You should satisfy Yourself that the premium payable under the Policy is an amount that You can afford.

07/15/2019AIA Bhd. (790895-D)


AIA Bhd. allocate a portion of the premium to purchase units in the investment-linked fund that You have chosen. Any unallocated amount will be used to pay commissions to AIA Life Planners and AIA Bhd's other expenses.You are advised to refer to the allocation rates given in the sales illustration.

4. What are the fees and charges I have to pay?

The Cost of Insurance is deducted monthly from the value of Your units and it generally increases as You grow older. The other fees and charges includes: - Monthly Service Charge. - Fund Management Charge levied will depend on the fund(s) You invested. Please refer to sales illustration for details. - Early surrender or partial withdrawal is subject to charges. - Medical Service Charge will be charged on monthly basis if A-Plus Health is attached.

Please note the Cost of Insurance, fees and charges are not guaranteed. You may be required to top up the premium if COI rate increases. AIA Bhd. reserves the right to revise the charges by giving You 3 months written notice prior to the next Policy Anniversary. A-Plus Health COI is not guaranteed and AIA Bhd. reserves the right to revise the COI by giving You 30 days’ written notice prior to the next Policy Anniversary.

5. What are some of the key terms and conditions that I should be aware of?

Importance of disclosure - You must disclose all material facts such as medical condition, and state Your age correctly. (a)

Free Look Period - You may cancel the Policy by returning Your Policy contract and giving a written request that is signed by You to AIA Bhd. within 15 days after You have received Your Policy contract. The unallocated premiums, the value of units (if any) and other Policy Charges that have been deducted less medical expenses (if any) will be refunded.

(b)

Account Value - the Account Value of the ILIP depends on the performance of the investment-linked fund(s) invested. The higher the level of insurance coverage selected, the fewer units will remain to accumulate Account Value under Your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets Your financial circumstances.

(c)

Grace period - 31 days from premium due date.(d)

(e) Policy lapse - the ILIP will lapse when the value of investment units is insufficient to pay for the Policy Charges.

(f) Applicable Government Tax - The premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.

Note: The terms and conditions as stated in this Product Disclosure Sheet are not exhaustive. Please refer to the Policy contract for the full list of terms and conditions.

6. What are the major exclusions under this Policy?

Any death arising from the occurrences of the following is not covered under ALL 2:Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later. AIA Bhd.’s liability shall be limited to the refund of the Account Value without interest together with the total unallocated premium and Policy Charges and the COI of attaching riders deducted from the Issue Date or Commencement Date, whichever is later. Thereafter, the Policy shall be terminated.

1.

Any TPD arising from the occurrences of the following is not covered under APDC:

Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane; or1.


3. Activities connected to any aerial device or conveyance except as a fare-paying passenger or crew member on a commercial airline on a regular scheduled passenger trip over its established passenger route; or

4. Any congenital defect which has manifested or was diagnosed before age 17; or

5. Pre-existing disability resulting from a physical or mental condition.

Any claims arising from the occurrences of the following is not covered under APH:1. Pre-Existing Illness

Pre-Existing Illness shall mean Disabilities prior to the Issue Date or Commencement Date, whichever is later, of the relevant Supplementary Hospitalisation Contract and that the Insured/You has/have reasonable knowledge of. The Insured/You may be considered to have reasonable knowledge of a Pre-Existing Illness where the condition is one for which:

(a) the Insured had received or is receiving treatment;

(b) medical advice, diagnosis, care or treatment has been recommended;

(c) clear and distinct symptoms are or were evident; or

(d) its existence would have been apparent to a reasonable person in the circumstances.

2. Specified Illness

Treatment or Surgery for Specified Illness until the Insured has been continuously covered under the relevant Supplementary Hospitalisation Contract for a period of one hundred and twenty (120) days immediately preceding such treatment or Surgery.

Specified Illness shall mean the following Disabilities and its related complications:

(a) Hypertension, diabetes mellitus and Cardiovascular disease;

(b) All tumours, cysts, nodules and polyps in any part of the body systems;

(c) Stones of the urinary system and biliary system;

(d) Any disease of the ear, nose (including sinuses) or throat;

(e) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;

(f) Any disease of the reproductive system including endometriosis; or

(g) Any disorders of the spine (including a slipped disc) or any knee conditions.

3. Any medical or physical abnormalities existing at the time of birth, as well as neo-natal physical abnormalities developing within six (6) months from the time of birth. This will include:

hernias of all types and epilepsy except when caused by a trauma which occurred after the date that the Insured is continuously covered under the relevant Supplementary Hospitalisation Contract, and

(a)

any congenital or hereditary conditions which has manifested or was diagnosed before the Insured attains seventeen (17) years of age; except when it is covered under Special Care Benefit.

(b)

4. Any Disability caused by self-destruction, intentional self-inflicted injuries, willful exposure to danger or any attempt of self-destruction while sane or insane; or

5. Any Disability caused by war, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations; or


7. Any violation or attempted violation of the law or resistance to arrest; or

07/15/2019AIA Bhd. (790895-D)


8. Pregnancy, miscarriage or child birth (except the covered Maternity Complications under Specified Maternity Complications Benefit, which is only applicable after 1 year from the Issue Date or Commencement Date, whichever is later); or

9. Mental or nervous disorders (except the covered conditions under Mental Health Benefit), treatment of alcoholism, or drug abuse or any other complications arising from it or any drug accident not prescribed by a treating Doctor; or

10. Elective/Plastic/Cosmetic Surgery (except the Elective/Plastic/Cosmetic Surgery due to Accident or Cancer under Special Care Benefit), circumcision (except circumcision due to infection), eye examination/elective surgery for visual impairments due to nearsightedness, farsightedness or astigmatism or radial keratotomy; all corrective glasses, contact lenses or the use or acquisition of external prosthetic appliances or devices (except the artificial limb and hearing aid for Mobility and Hearing Support under the Recovery and Support Benefit) and prescriptions; or

11. Any form of dental care or Surgery including the replacement of natural teeth, placement of denture and prosthetic services such as bridges and crowns or their replacement unless necessitated by Injury covered under the Emergency Accidental Out-patient Treatment Benefit; or

12. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician (except the Health Screening under Prevention Benefit), vitamins/food supplements and treatments specifically for weight reduction or gain; or

Any treatment or investigation which is not Medically Necessary, or convalescence, custodial or rest care; or 13.

Any medical or physical conditions arising within the first thirty (30) days of the Issue Date or Commencement Date, whichever is later, of the relevant Supplementary Hospitalisation Contract except for Covered Injury; or

14.

15. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapon material; or

Expenses incurred for donation of any body parts or organ by the Insured and acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. We will only reimburse the Reasonable and Customary Charges incurred on Major Organ/Bone Marrow Transplant Surgery for the Insured being the recipient, limited to once per Lifetime; or

16.

17. Out-patient Kidney Dialysis Treatment where the symptoms first occurred prior to or within 30 days from the Issue Date or Commencement Date, whichever is later; or

Out-patient Cancer Treatment Benefit where the symptoms first occurred prior to or within 60 days from the Issue Date or Commencement Date, whichever is later; or

18.

Overseas treatment if Insured resides or travels outside Malaysia (excluding Singapore and Brunei) for more than 90 consecutive days.19.

Note: This list is not exhaustive. Please refer to the Policy contract for the full list of exclusions.

7. Can I cancel my Policy?

You may cancel Your Policy by giving a written notice to AIA Bhd. However, buying a regular premium ILIP is a long-term financial commitment. It is not advisable to hold the Policy for a short period of time in view of the high initial cost. If You find that the fund that You have chosen is no longer appropriate, You have the flexibility to switch fund.

The current fund switching charge is free. However, AIA Bhd. reserves the right to revise the charge by giving You 3 months written notice prior to the next Policy Anniversary.

Alternatively You can opt to maximise Your investment value by maintaining sufficient premium to meet Your needs and increasing Your Top-up.

8. What do I need to do if there are changes to my contact details?

It is important that You inform AIA Bhd. of any change in Your contact details to ensure that all correspondences reach You in a timely manner.

9. Where can I get further information?

Should You require additional information about investment-linked insurance and medical and health insurance, please refer to the insuranceinfo booklet on 'Investment-Linked Insurance' and 'Medical and Health Insurance', available at all AIA Bhd.'s branches or You can obtain a copy from Your AIA Life Planner or visit www.insuranceinfo.com.my.

If You have any enquiries, please contact AIA Bhd. at:

AIA Bhd. (790895-D), Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur Care Line : 1300 88 1899 T: 03-2056 1111 F: 03-2056 3891 E: [email protected] AIA.COM.MY

AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

10. Other similar type of plans available

Please contact AIA Bhd. / Your AIA Life Planner / intermediary for other similar types of plans that AIA Bhd. offer.

IMPORTANT NOTE:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUMS AS 'TOP-UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH YOUR AIA LIFE PLANNER OR CONTACT AIA BHD. DIRECTLY FOR MORE INFORMATION.

THIS PRODUCT DISCLOSURE SHEET CONTAINS A SUMMARY OF THE PRODUCT AND IS NOT A CONTRACT OF INSURANCE. THE POLICY CONTRACT SHALL ALWAYS PREVAIL OVER THIS DOCUMENT.

The information provided in this disclosure sheet is valid as at 07/15/2019.

07/15/2019AIA Bhd. (790895-D)


AIA�BALANCED�FUND�

Fund�Fact�Sheet�–�AIA�Balanced�Fund�/�201907� � Page�1�of�2�

��

Features�of�Fund� �

Investment�Objective� The� Fund� is� to� maximize� total� returns� with� reasonable� safety� of� principal� through�investment�in�a�diversified�portfolio�of�equity,�fixed�income�securities�and�cash�equivalent�securities.�The�Fund�is�suitable�for�investors�who�are�willing�to�take�moderate�risk�in�order�to�achieve�a�reasonable�return.�

Investment�Strategy�&�Approach� The�Fund�invests�actively�in�ringgit�corporate�bonds,�debts�securities�issued�or�guaranteed�by�the�Government�of�Malaysia�or�its�agencies�and�Malaysian�equities�&�warrants.�Equity�asset�allocation�is�based�on�'top-down'�approach�while�stock�selection�is�based�on�'bottom-up'�approach�using�fundamental�analysis.�

Target�Asset�Allocation� 70%�in�Equities;�30%�in�Fixed�Income�Securities�(inclusive�of�Cash�and�Cash�Equivalent)�

Performance�Benchmark��

70%�FTSE�Bursa�Malaysia�Top�100�Index�+�30%�MGS�ALL�Index��

Further information on benchmarks can be obtained from Bursa Malaysia, Bloomberg, RAM QuantShop, Bank Negara Malaysia and Maybank.�

Fund�Manager� AIA�Bhd.�

Fees�&�Charges� �

Fund�Management�Charge��

Current�charge:�1.20%�of�net�asset�value;�Maximum�charge:�1.50%�of�net�asset�value�

The current fund management charges are not fixed and may change, subject to maximum charges as set out above.

Other�Charge,�if�any� Nil�

Fund�Performance� �

Year� 2018� 2017� 2016� 2015� 2014� 2013� 2012� 2011� 2010� 2009�

AIA�Balanced�Fund� -8.44%� 10.11%� 0.86%� 2.96%� -0.31%� 17.18%� 10.48%� 3.32%� 18.11%� 34.21%�

Benchmark� -5.46%� 10.59%� -0.70%� -0.56%� -3.25%� 8.17%� 8.01%� 3.03%� 16.60%� 30.12%�

�

�� The�above�returns�are�computed�based�on�the�Net�Asset�Value�(i.e.�unit�price)�of�this�fund�and�not�on�the�gross�premium�paid�under�the�policy.�

�� The�basis�of�calculation�of�past�performance�is�as�follows:��

Where:��•�UP31�December�201x�is�the�Unit�Price�as�at�31st�December�201x.�•�UP31�December�201x-1�is�the�Unit�Price�as�at�31st�December�201x-1.�•�R201x�is�the�rate�of�return�after�deducting�fund�management�charges�and�tax�of�the�relevant�fund.�

� �

(�UP31�December�201x�–�UP31�December�201x-1�)�

UP31�December�201x-1�X�100%�R201x�=�

Fund�Fact�Sheet�–�AIA�Balanced�Fund�/�201907� � Page�2�of�2�

Risks�

�The�list�below�sets�out�the�risks�of�investing�in�this�fund.�Do�note�that�this�list�is�not�exhaustive�

�� Market�Risk�

�� Liquidity�Risk�

�� Interest�Rate�Risk�

�� Particular�Stock�Risk�

�� Credit/Default�Risk��You�may�refer�to�the�Appendix�A�for�description�of�risks.��

Other�Info� �

Target�Market� �� Those�seeking�moderate�returns�with�reasonable�protection�on�the�capital�invested.�

�� Moderate�risk�tolerance.�

Basis�&�Frequency�of��Unit�Valuation�

The�value�of�each�fund�specially� created�by�AIA�shall�be�determined�by�us�on�daily�basis�under�normal�circumstances.�To�recoup�the�cost�of�acquiring�and�disposing�of�assets,�we�will�impose�a�dilution�fee�or�transaction�cost�which�is�due�at�the�same�time�payment�is�made�for�the�sale�and�repurchase�of�units.�The�dilution�fee�or�transaction�cost�charged�should�be�allocated�back�to�the�unit�fund.��We� may� value� the� fund� less� frequently� if� trading� in� any� Stock� Exchange� or� any� other�exchanges�in�which�the�fund�is�invested�is�suspended�so�as�to�make�it�impossible�to�value�the�fund�on�a�daily�basis.�In�that�event,�the�fund�shall�be�valued�at�least�once�a�week.�AIA�shall� seek� services� of� independent� person(s)� or� firm(s)� to� obtain� the� value� whenever�appropriate,�whether� selling�or�buying,�of�the� fund’s�assets�and�shall�observe�applicable�laws�and�accepted�practices�in�dealing�with�the�fund’s�assets.�

Exceptional�Circumstances��

We�reserve�the�right�to�defer�the�payment�of�fund�redemption�for�a�period�not�exceeding�six�(6)�months� from�the�date� the�payment�would�have�been�normally�effected�if�not�for�intervening�events�such�as�temporary�closure�of�any�Stock�Exchange�in�which�the�Fund�is�invested,�which�the�Company�in�its�discretion,�may�consider�exceptional.�

U.S.�Foreign�Account��Tax�Compliance�Act��

Under�the�Foreign�Account�Tax�Compliance�Act�(“FATCA”),�Funds�that�are�invested�directly�or�indirectly�in�US�assets�may�be�subject�to�30%�US�withholding�tax�on�certain�US-sourced�payments�unless�the�Fund�complies�with�FATCA.�The�Fund�intends�to�be�FATCA�compliant.�However,� this� cannot� be� guaranteed� given� the� complexity� and� evolving� nature� of� the�requirements.�If�the�Fund�is�unable�to�satisfy�the�obligations�imposed�on�them�to�avoid�the�imposition�of�the�withholding�tax,�certain�US-sourced�payments�made�to�the�Fund�may�be�subject� to�30%�withholding�tax,�which�could�reduce�the�cash�available�for� investors.�The�application� of� the� withholding� rules� and� the� information� that� may� be� required� to� be�reported�and�disclosed�are�uncertain�and�subject�to�change.�

��

�

�

�

�

�

�

� �

� �

APPENDIX�A�–�DESCRIPTION�OF�RISKS�

Fund�Fact�Sheet�-�Appendix�A�/�201907� Page�1�of�2�

��

�� Market�Risk�Market�risk�refers�to�the�risk�of�a�portfolio� falling� in�value�due�to�changes� in�underlying�market� risk� factors.�Examples�of�market�risk�factor�are�interest�rates,�foreign�exchange�rates,�natural�disaster,�political�turmoil�and�terrorist�attacks.�The�value�of�investments�may�fall�over�a�given�time�period�due�to�changes�in�the�economic�climate�or�other�events�directly�affecting�the�market.�Careful�allocation�and�diversification�of�assets�can�protect�against�market�risk�because�different�segments�of�the�market�tend�to�be�not�perfectly�correlated.��In�an�investment-linked�fund,�this�risk�is�managed�via�active�asset�allocation�between�cash�and�risky�assets�that�are�exposed�to�market�risk.�

�

�� Liquidity�Risk�Liquidity�risk�is�the�risk�that�a�given�security�or�asset�cannot�be�traded�quickly�enough�in�the�market�to�prevent�a�loss.�It�arises�in�situations�where�an�asset�cannot�be�traded�due�to�lack�of�buyers/sellers�in�the�market.��This�risk�could�be�managed�by�taking�greater�care�in�buying�less�illiquid�stocks�and�diversification.�

�

�� Interest�Rate�Risk�Interest�rate�risk�is�the�risk�of�fluctuating�values�of�interest-bearing�assets,�such�as�a�loan�or�a�bond,�due�to�changes�in�interest�rates.�In�general,�when�interest�rates�rise,�the�price�of�bonds�will�fall.��This�risk�can�be�managed�by�adopting�active�durations�management�of�fixed-income�investments�held�at�a�given�time.�

�

�� Particular�Stock�Risk�Any�major�price�fluctuations�of�a�particular�stock�invested�by�the�fund�may�affect�the�NAV�and�thus�impact�on�the�prices�of�units.��The�risk�is�managed�by�investing�in�a�wide�range�of�companies�in�different�sectors.��

�� Credit/Default�Risk�Credit/default�risk�is�the�risk�of�losses�from�non-repayment�of�a�loan�or�other�line�of�credit�(either�the�principal�or�interest�(coupon)�or�both).�Default�events�include�delay�in�repayments,�restructuring�of�borrower�repayments,�and�bankruptcy.��The�risk�is�reduced�by�investing�in�high�quality�securities�as�these�generally�have�a�lower�degree�of�credit�risk.��

�� Country�Risk�Country�risk�refers�to�the�risk�of�investing�in�a�country,�that�is�subject�to�changes�in�the�business/political�environment�that�may�adversely�affect�operating�profits�or�the�value�of�assets� in�that�country.�Some� factors�affecting�Country�Risk� include�financial� factors� such�as� currency� controls,�devaluation� or� regulatory� changes,� and� events�affecting�political� stability� i.e.�political�changes,�mass�riots�and�civil�war.��The�risk�is�reduced�by�investing�into�diversified�markets.�

�

�� Currency�Risk�Currency� risk� refers� to� the� risk� of� changes� in� the� exchange� rate� altering�value�of� investments�denominated� in� a� foreign�currency.�Whenever�investors�hold�assets�across�national�borders,�they�face�currency�risk�if�their�positions�are�not�hedged.��This�risk�is�reduced�by�investing�in�assets�denominated�in�a�wide�range�of�foreign�currency�denominated�assets.��

�� Reclassification�of�Shariah�Status�Risk�This�risk�refers�to�a�situation�where�Shariah-compliant�securities�are�reclassified�as�Non-Shariah�compliant�in�the�periodic�review�by�the�Shariah�Advisory�Council�of�the�Securities�Commission�Malaysia,�the�Shariah�Advisor�or�the�Shariah�Boards�of�the�relevant�Islamic�indices.�The�reclassification�of�securities�as�Non-Shariah�compliant�may�result�in�the�newly�non-Shariah�compliant�securities�to�underperform�its�benchmark.��This�risk�can�be�managed�by�disposing�Shariah-Compliant�equities�that�are�likely�to�turn�Shariah�Non-Compliant�before�the�periodic�review.��

Fund�Fact�Sheet�-�Appendix�A�/�201907� Page�2�of�2�

�� Derivative�Risk�The�use�of�financial�derivative�instruments�also�involves�certain�special�risks,�including��

i.� dependence� on� the� fund�managers’� ability� to� predict�movements� in� the� prices� of� securities� being� hedged� and�movements�in�stock�prices,�currency�exchange�rates�or�other�economic�factors,�

�ii.� imperfect�correlation�between�the�price�movements�of�the�derivatives�and�price�movements�of�related�investments,��iii.� the�fact�that�skills�needed�to�use�these�instruments�are�different�from�those�needed�to�select�the�fund’s�securities,�iv.� the�possible�absence�of�a�liquid�market�for�any�particular�instrument�at�any�particular�time,��v.� possible�impediments�to�effective�portfolio�management�or�the�ability�to�meet�redemptions,��vi.� possible� legal�risks�arising�in� relation� to�derivative�contract�documentation,�particularly� issues�arising�relating� to�

enforceability�of�contracts�and�limitations�thereto,��vii.� settlement�risk�as�when�dealing�with�futures,�forwards,�swaps,�contracts�for�differences�where�the�fund’s�liability�

may�be�potentially�unlimited�until�the�position�is�closed,�and��viii.� counterparty�risk�as�the�use�of�OTC�derivatives,�such�as�futures,�forward�contracts,�swap�agreements�and�contracts�

for�differences�will�expose�the�fund�to�credit�risk�with�respect�to�the�counterparty�involved.��

Risk�Management�on�the�Usage�of�Derivative�Instruments�One�of�the�prime�objectives�of�the�legislators�and�regulatory�authorities�throughout�Europe�is�to�maintain�a�high�level�of�retail-investor�protection.�This�translates�into�a�requirement�for�UCITS�managers�to� implement�a�sound�risk-management�process�(RMP)�to�monitor,�manage�and�measure�the�financial�and�operational�risks�associated�with�derivatives.�Below�are�regulatory�requirement�and�the�manager’s�internal�risk�management�policy�governing�the�use�of�derivative�instruments:�a)� The�global�exposure�relating�to�derivative�instruments�must�not�exceed�100%�of�the�fund’s�NAV.�b)� The�underlying�investment�of�the�derivative�must�be�of�eligible�asset�class�as�specified�by�CSSF�(Luxembourg�Financial�

Sector�Supervisory�Authority)�and�shall�be�in�line�with�investment�objective�of�the�fund.�c)� The�over-the-counter�(OTC)�derivatives�must�subject�to�reliable�and�verifiable�valuation�on�a�daily�basis�and�can�be�sold�

at�any�time.�d)� The�counterparties�to�OTC�derivative�are�institutions�that�are�subject�to�prudential�supervision�as�approved�by�the�CSSF.�

The�minimum�credit�rating�for�counterparties�is�A+�(from�S&P)�or�A1�(from�Moody’s)�unless�authorized�by�Schroder’s�Group�risk�management�on�a�case�by�case�basis.�Except�for�synthetic�warrants�any�counterparty�exposure�greater�than�GBP�500,000�is�fully�collateralized.�

e)� Under�no�circumstances�will�the�use�of�derivative�cause�the�fund�to�diverge�from�its�investment�objectives.�f)� A�risk�management�process�must�be�employed�which�enables�the�fund�to�monitor�and�measure�at�any�time�the�risk�of�

its�position.�It�must�employ�a�process�for�accurate�and�independent�valuation�of�OTC�derivative�instrument.�g)� The�investment�objectives�of�these�funds�constraint�them�to�achieve�their�investment�objective�by�primarily�using�equity�

and�equity�related�securities,�not�derivatives.�h)� The�mark-to-market�losses�on�derivative�positions�(if�any)�shall�be�covered�by�liquid�assets�or�cash.�

�

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