# Gro Retire Flex Pro II (GRME2) Product Summary

Version 1.26

## 1. Policy Description

Gro Retire Flex Pro II is an endowment plan. It comprises of two periods, (i) accumulation period and (ii) payout period. The accumulation period helps you to build up savings and provide a regular income during the payout period.

### (i) Accumulation Period

The accumulation period starts from policy entry date and it will range from 5 years up to 50 years for the single premium term while it will range from 10 years up to 50 years for the regular premium terms. During the accumulation period, depending on the premium term selected, premiums are payable as a single premium, for 5, 10, 15 or 20 years. Premiums are payable up to 5 years before the end of the accumulation period.

### (ii) Payout Period

The payout period option of 10, 15, 20 years or till age 100 of the original insured, begins immediately after the end of the accumulation period. During the payout period, a stream of monthly cash benefit will be paid, and the first monthly cash benefit will be paid on the anniversary immediately after the end of the accumulation period.

This plan provides protection against death and terminal illness of the insured during the policy term.

This policy includes a non-participating regular premium compulsory rider, Gro Retire Flex Pro II – Protection Benefit. It pays accidental death Benefit, disability care benefit and retrenchment benefit. This compulsory rider is only applicable for regular premium basic policy and cannot be removed. This rider will end immediately when its basic policy ends.

Gro Retire Flex Pro II is a participating life insurance policy. It allows you to participate in the performance of the Life Participating Fund in the form of bonuses that are not guaranteed. You can find more details about the bonuses in Section 3.

## 2. Benefits

### 2.1. Terminal illness and death benefit

If the insured is diagnosed with terminal illness or dies during the accumulation period or payout period, we will pay the benefit shown in Table 1.

#### Table 1

| Time when claim event happens | Benefit |
|---|---|
| During the accumulation period | 1. The higher of: <br>• 105% of all premiums paid; or <br>• the guaranteed portion of the cash value, and <br>2. 100% of terminal bonus. |
| During the payout period | 1. The higher of: <br>• 105% of all premiums paid less all monthly cash benefits paid; or <br>• the guaranteed portion of the cash value, and <br>2. 100% of terminal bonus less all monthly cash bonuses paid. |

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We will pay the cash value if it is higher than the benefit shown in Table 1.

We will also pay any accumulated cash benefits and cash bonuses.

Any policy loan and interest will be deducted from the benefit amount payable.

This policy will end when we make this payment. We will not pay any further benefits.

If you have appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.

If Flexi Retire Option is exercised, the accumulation period will be revised accordingly.

Premiums paid means the lump sum premium paid (excluding premium paid on any rider) for single premium policies. For regular premium policies, regardless of your policy's premium payment mode, we will work out the premiums paid (excluding premium paid on any rider) based on the current annual premium payment mode.

Please refer to the policy contract for the exact terms and definition of Terminal Illness.

### 2.2. Cash benefit

If the policy has not already ended, when the accumulation period ends, we will check the cash value of this policy.

If the cash value is less than S$10,000 after taking into account the policy loan and interest, we will pay you the policy's cash value and the policy will end.

If the cash value is at least S$10,000 after taking into account the policy loan and interest, the payout period will begin and we will pay you a monthly cash benefit depending on the payout period option you have chosen, or until the policy ends. To select the payout period option till age 100 of the original insured, the sum of the insured's entry age and accumulation period will need to be at least 50.

The monthly cash benefit is the 'cash benefit' amount shown in the policy schedule. If you change your regular premium amount, payout period, or accumulation period, we will work out a new monthly cash benefit.

We will pay the first monthly cash benefit on the anniversary immediately after the end of the accumulation period.

You can choose to use the cash benefit in any one of the following ways:

(a) Accumulate with Income Insurance Limited (Income Insurance) at the prevailing interest rate, currently at 3.00% per annum; or

(b) Receive it as a payout, and

If we pay a cash bonus on top of a monthly cash benefit, the cash bonus and the monthly cash benefit which the cash bonus is paid out on, must be used in the same manner.

We will pay the cash value if it is higher than the benefit shown in Table 1.

We will also pay any accumulated cash benefits and cash bonuses.

Any policy loan and interest will be deducted from the benefit amount payable.

This policy will end when we make this payment. We will not pay any further benefits.

If you have appointed a secondary insured before the insured dies, we will not pay this benefit. Upon the death of the insured, the secondary insured becomes the insured and this policy will continue.

If Flexi Retire Option is exercised, the accumulation period will be revised accordingly.

Premiums paid means the lump sum premium paid (excluding premium paid on any rider) for single premium policies. For regular premium policies, regardless of your policy's premium payment mode, we will work out the premiums paid (excluding premium paid on any rider) based on the current annual premium payment mode.

Please refer to the policy contract for the exact terms and definition of Terminal Illness.

Cash benefits accumulated with Income Insurance can be withdrawn anytime. The prevailing interest rate under (a) is non-guaranteed and is subject to review by Income Insurance. Any policy loan and interest will be deducted from the benefit amount payable.

If this policy has not already ended, it will end when the last cash benefit is paid.

You can choose to change the payout period, subject to the following conditions:

- The request to change the payout period must be made on a date:
  - a) At least 2 years after the policy entry date; and
  - b) At least 30 days before the first monthly cash benefit.
- You have not made a claim on the disability care benefit; and
- You can only change the payout period once.

If you change the payout period, the following will apply:

- We will recalculate your policy benefits (including cash benefit and guaranteed cash value), bonuses (if any) and rider benefits (if any), according to the revised payout period; and
- You will no longer be able to change your payout period.

Please refer to the policy contract for the conditions that apply if you choose to accumulate the cash benefits.

### 2.3. Secondary insured option

You may appoint or remove a secondary insured before the death of the insured provided the following conditions are met:

- the premium of this policy is paid only with cash;
- no nomination of beneficiary has been made for this policy; and
- there is no change to the ownership of this policy except via absolute assignment.

The secondary insured must be yourself (before the age of 75 years old), your spouse (before the age of 75 years old), or your child or ward (before the age of 18 years old) at the time of appointment.

If you have appointed a secondary insured, and the policy is subsequently assigned, such existing appointment will be automatically revoked upon the effective date of assignment of the policy.

We will inform you in writing of the effective date of appointment or removal, which shall be determined by us.

We reserve the right to accept or reject any request to appoint or remove a secondary insured.

You can exercise this option to appoint a secondary insured no more than three times.

There can only be a maximum of one secondary insured under this policy at any point in time. Upon our approval of your request to appoint a new secondary insured, the secondary insured prior to such request shall be removed and replaced with the secondary insured indicated in such request.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. This policy can only have one insured at any point of time.

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Cash benefits accumulated with Income Insurance can be withdrawn anytime. The prevailing interest rate under (a) is non-guaranteed and is subject to review by Income Insurance. Any policy loan and interest will be deducted from the benefit amount payable.

If this policy has not already ended, it will end when the last cash benefit is paid.

You can choose to change the payout period, subject to the following conditions:

- The request to change the payout period must be made on a date:
  - a) At least 2 years after the policy entry date; and
  - b) At least 30 days before the first monthly cash benefit.
- You have not made a claim on the disability care benefit; and
- You can only change the payout period once.

If you change the payout period, the following will apply:

- We will recalculate your policy benefits (including cash benefit and guaranteed cash value), bonuses (if any) and rider benefits (if any), according to the revised payout period; and
- You will no longer be able to change your payout period.

Please refer to the policy contract for the conditions that apply if you choose to accumulate the cash benefits.

### 2.3. Secondary insured option

You may appoint or remove a secondary insured before the death of the insured provided the following conditions are met:

- the premium of this policy is paid only with cash;
- no nomination of beneficiary has been made for this policy; and
- there is no change to the ownership of this policy except via absolute assignment.

The secondary insured must be yourself (before the age of 75 years old), your spouse (before the age of 75 years old), or your child or ward (before the age of 18 years old) at the time of appointment.

If you have appointed a secondary insured, and the policy is subsequently assigned, such existing appointment will be automatically revoked upon the effective date of assignment of the policy.

We will inform you in writing of the effective date of appointment or removal, which shall be determined by us.

We reserve the right to accept or reject any request to appoint or remove a secondary insured.

You can exercise this option to appoint a secondary insured no more than three times.

There can only be a maximum of one secondary insured under this policy at any point in time. Upon our approval of your request to appoint a new secondary insured, the secondary insured prior to such request shall be removed and replaced with the secondary insured indicated in such request.

The secondary insured becomes the insured of this policy only upon death of the insured for the remaining policy term. This policy can only have one insured at any point of time.

### 2.4 Flexi Retire Option

You may choose to shorten or extend the accumulation period, by up to 5 years, in multiples of 1 year, subject to the following conditions:

- The request to exercise this option must be made on a date:
  - a) At least 2 years after the policy entry date; and
  - b) At least 2 years before the end of your original or revised accumulation period, whichever is earlier.
- The revised accumulation period falls within the minimum and maximum accumulation period available, depending on the entry age of the original insured, and the payout period cannot exceed age 100 of the original insured;
- You have not made a claim on the disability care benefit;
- You do not have any policy loan on this policy; and
- You can only exercise this option once.

We reserve the right to reject or accept any request under this option.

If you exercise this option, the following will apply:

- The accumulation period will be revised accordingly;
- The payout period option will not change;
- We will recalculate the benefits of your policy (including cash benefit and guaranteed cash value), bonuses (if any) and rider benefits (if any), according to the revised accumulation period; and
- You will not be able to amend your option.

#### Illustration of Flexi Retire Option based on current limits of Accumulation Period

| Premium Term | Accumulation Period selected | Number of years to shorten Accumulation Period (if exercised FRO) | Number of years to extend Accumulation Period (if exercised FRO) | Subject to maximum age at end of accumulation period |
|---|---|---|---|---|
| Single Premium | 5 | 0 | Up to 5 | 80 |
| | 15 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 5 Years | 10 | 0 | Up to 5 | 75 |
| | 15 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 10 Years | 15 | 0 | Up to 5 | 75 |
| | 20 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 15 Years | 20 | 0 | Up to 5 | 75 |
| | 25 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 20 Years | 25 | 0 | Up to 5 | 75 |
| | 30 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |

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### 2.4 Flexi Retire Option

You may choose to shorten or extend the accumulation period, by up to 5 years, in multiples of 1 year, subject to the following conditions:

- The request to exercise this option must be made on a date:
  - a) At least 2 years after the policy entry date; and
  - b) At least 2 years before the end of your original or revised accumulation period, whichever is earlier.
- The revised accumulation period falls within the minimum and maximum accumulation period available, depending on the entry age of the original insured, and the payout period cannot exceed age 100 of the original insured;
- You have not made a claim on the disability care benefit;
- You do not have any policy loan on this policy; and
- You can only exercise this option once.

We reserve the right to reject or accept any request under this option.

If you exercise this option, the following will apply:

- The accumulation period will be revised accordingly;
- The payout period option will not change;
- We will recalculate the benefits of your policy (including cash benefit and guaranteed cash value), bonuses (if any) and rider benefits (if any), according to the revised accumulation period; and
- You will not be able to amend your option.

#### Illustration of Flexi Retire Option based on current limits of Accumulation Period

| Premium Term | Accumulation Period selected | Number of years to shorten Accumulation Period (if exercised FRO) | Number of years to extend Accumulation Period (if exercised FRO) | Subject to maximum age at end of accumulation period |
|---|---|---|---|---|
| Single Premium | 5 | 0 | Up to 5 | 80 |
| | 15 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 5 Years | 10 | 0 | Up to 5 | 75 |
| | 15 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 10 Years | 15 | 0 | Up to 5 | 75 |
| | 20 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 15 Years | 20 | 0 | Up to 5 | 75 |
| | 25 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |
| 20 Years | 25 | 0 | Up to 5 | 75 |
| | 30 | Up to 5 | Up to 5 | |
| | 50 | Up to 5 | 0 | |

### 2.5 Surrender Value (Cash Value)

For single premium policy, there is a surrender value on this policy after you have paid the single premium.

For regular premium policy, there is a surrender value on this policy after you have paid premiums for at least two years.

Please note that buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be zero or less than the total premiums paid.

Depending on your policy and the time of surrender, the return on your policy may be low. It may also be likely that you could incur a loss on your policy in the event of early surrender. You may wish to refer to your policy illustration to understand the cost of surrendering your policy, especially in early durations.

Please refer to the policy contract for further details relating to the surrender value.

## 3. Bonuses

Bonuses are the way you receive a share of the profits of the Life Participating Fund. This policy will share in the profits and losses from this fund as we add bonuses. There are 2 types of bonuses for this plan. The bonus rate, which is declared yearly, is not guaranteed and may vary from year to year according to the future performance of the Life Participating Fund.

The bonus rates in this section are based on the illustrated Investment Rate of Return of the Participating Fund at 4.25% per annum.

In comparison, at an illustrated Investment Rate of Return of 3.00% per annum, the bonus rates are expected to be adjusted downwards depending on the future outlook of the Participating Fund.

Please refer to the policy illustration for the bonus amount at the illustrated Investment Rate of Return of 3.00% per annum and 4.25% per annum respectively. The two rates are used purely for illustrative purposes and do not represent upper and lower limits of the investment performance of the Participating Fund.

Please note that the actual bonuses, if any, declared in the future may be higher or lower than those illustrated in this section.

i. A cash bonus may be payable on top of each monthly cash benefit. The cash bonus, (if any) will be paid out together with the monthly cash benefit during the payout period.

Please refer to Appendix B for the applicable cash bonus rate.

The policyholder can choose to leave both the cash benefit and cash bonus with Income Insurance to accumulate at the prevailing interest rate.

ii. Terminal bonus is an additional bonus, which we may pay at the time of a claim, maturity or surrender of the policy.

Please refer to Appendix C for the applicable terminal bonus rate.

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### 2.5 Surrender Value (Cash Value)

For single premium policy, there is a surrender value on this policy after you have paid the single premium.

For regular premium policy, there is a surrender value on this policy after you have paid premiums for at least two years.

Please note that buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be zero or less than the total premiums paid.

Depending on your policy and the time of surrender, the return on your policy may be low. It may also be likely that you could incur a loss on your policy in the event of early surrender. You may wish to refer to your policy illustration to understand the cost of surrendering your policy, especially in early durations.

Please refer to the policy contract for further details relating to the surrender value.

## 3. Bonuses

Bonuses are the way you receive a share of the profits of the Life Participating Fund. This policy will share in the profits and losses from this fund as we add bonuses. There are 2 types of bonuses for this plan. The bonus rate, which is declared yearly, is not guaranteed and may vary from year to year according to the future performance of the Life Participating Fund.

The bonus rates in this section are based on the illustrated Investment Rate of Return of the Participating Fund at 4.25% per annum.

In comparison, at an illustrated Investment Rate of Return of 3.00% per annum, the bonus rates are expected to be adjusted downwards depending on the future outlook of the Participating Fund.

Please refer to the policy illustration for the bonus amount at the illustrated Investment Rate of Return of 3.00% per annum and 4.25% per annum respectively. The two rates are used purely for illustrative purposes and do not represent upper and lower limits of the investment performance of the Participating Fund.

Please note that the actual bonuses, if any, declared in the future may be higher or lower than those illustrated in this section.

i. A cash bonus may be payable on top of each monthly cash benefit. The cash bonus, (if any) will be paid out together with the monthly cash benefit during the payout period.

Please refer to Appendix B for the applicable cash bonus rate.

The policyholder can choose to leave both the cash benefit and cash bonus with Income Insurance to accumulate at the prevailing interest rate.

ii. Terminal bonus is an additional bonus, which we may pay at the time of a claim, maturity or surrender of the policy.

Please refer to Appendix C for the applicable terminal bonus rate.

## 4. Investment of the Life Participating Fund

Premiums from all life participating policyholders are combined and invested in our Life Participating Fund, which has a broad mix of investment assets.

### Investment Objective

The investment objective of the Life Participating Fund is to maximize returns for our participating policyholders while maintaining an acceptable level of risk.

### Investment Strategy

When setting the investment strategy of the Life Participating Fund, we aim to balance between seeking an attractive return over the long run and taking an acceptable level of risk. The major factors we consider include the product design (e.g. amount of guaranteed benefits, policy term) of our plans, Income Insurance's financial strength, and the prevailing regulations.

### Current Investment Mix and Performance of the Life Participating Fund

The Life Participating Fund is invested in a wide mix of assets. The main asset classes are local and overseas equities, bonds, property and cash.

As of 31 December 2025, the investment mix of the Life Participating Fund is:

| Asset Type | Strategic Asset Allocation | Current Investment Mix |
|---|---|---|
| Risky Assets¹ | 32% | 39%² |
| Fixed Income, Cash & Others | 68% | 61% |

¹ Includes equities and properties
² Includes Collective investment schemes (CIS)

Over time, the relative return of different types of assets may change substantially. Hence, we may vary the investment mix in the future, according to the investment objective and strategy of the Life Participating Fund.

### Total Expense Ratio

The Total Expense Ratio is the proportion of total expenses incurred by the Life Participating Fund to the assets of the Life Participating Fund. These expenses include costs such as investment, management, distribution, taxation and other expenses.

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An expected level of expenses to be incurred by the Life Participating Fund has been allowed for in the premiums payable for your policy and is not an additional cost to you. If the actual level of expenses vary significantly from the expected level of expenses, it may affect the non-guaranteed benefits you may receive.

For our Life Participating Fund, the past Total Expense Ratios are shown in the table below.

| | 2023 | 2024 | 2025 | Average over the last 3 years | Average over the last 5 years | Average over the last 10 years |
|---|---|---|---|---|---|---|
| Total Expense Ratio | 0.92% | 0.89% | 0.82% | 0.87% | 0.94% | 0.88% |

Please note that past expense ratios may not be indicative of actual expenses that may be incurred in the future.

### Investment Rate of Return

For our Life Participating Fund, the past investment rates of return (after deducting investment expenses only) are shown in the table below.

| | 2023 | 2024 | 2025 | Average over the last 3 years | Average over the last 5 years | Average over the last 10 years |
|---|---|---|---|---|---|---|
| Investment Returns | 4.19% | 5.07% | 7.66% | 5.63% | 1.58% | 4.04% |

Please note that past performance may not be indicative of future performance.

Changes in the economic and investment environment may affect the investment performance of the Life Participating Fund and the bonuses that you may receive.

### External Fund Managers

Assets in the Life Participating Fund are partly managed by Income Insurance and partly managed by external fund managers appointed by Income Insurance. Details of these external fund managers are shown in Appendix A.

## 5. Factors Affecting the Life Participating Fund's Performance

The performance of the Life Participating Fund depends on a number of factors, of which the main ones are:

- Investment performance of the Life Participating Fund, which impacts the Fund most;
- Expenses incurred in managing the Life Participating Fund;
- Mortality and morbidity claims experience of the Life Participating Fund; and
- Surrender and lapse experience of the Life Participating Fund.

The performance of the Life Participating Fund will affect the bonus allocation of your participating policy each year. Income Insurance will take into account the Fund's current performance, its future outlook, as well as the financial strength of the Life Participating Fund when setting bonus rates.

## 6. How Risks are shared in the Life Participating Fund

Premiums from all participating policyholders are combined and invested in the Life Participating Fund. Hence, the Life Participating Fund is of a significant size that enables risks to be pooled and diversified.

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The key risks that the Life Participating Fund is subjected to include investment risks, expense risks (when expenses of running the business are higher than expected), mortality and longevity risks, morbidity risks, and surrender and lapse risks (when actual surrenders differ from expected).

Some non-participating and investment-linked businesses are written in the Life Participating Fund and they may also be subjected to similar risks. These risks result in profit and losses, which will be accounted for in the surplus of the Life Participating Fund, thus influencing its financial strength.

In determining sustainable bonus rates for the participating policies, we look to their asset share, which is the value of the assets available to back the policy. It is calculated as the total premiums received plus actual investment returns and other profits earned by the Life Participating Fund, less expenses and charges and other outgo.

## 7. Smoothing of Bonuses

As investment performance may vary from year to year, bonuses are smoothed to ensure stable medium to long-term returns on your participating policy. This means that bonuses may be held back in good years to support the maintenance of the bonus in years when the performance of the Life Participating Fund is less favourable. It is intended that over the long term, the net impact of smoothing is neutral. Smoothing will never reduce any guaranteed benefits that may apply. Smoothing is a common industry practice.

This product was launched in 2025.

The terminal bonus rates for the past 3 years (or less if the product was launched later) are consistent with the illustrated rates stated in Section 3 "Bonuses".

There is no past experience available for cash bonus rates yet.

Please note that past performance is not necessarily indicative of future performance of the Life Participating Fund.

## 8. Expenses of the Life Participating Fund

Expenses are incurred in the course of running the Life Participating Fund. These expenses include commission, distribution costs, general overheads, underwriting expenses, policy issue and claims expenses, depreciation, etc. This is not an exhaustive list of expenses incurred by the Life Participating Fund.

Expense directly incurred by the Life Participating Fund would be charged to the Life Participating Fund. However, some expenses are shared across all funds. These expenses would be allocated to each fund (including the Life Participating Fund), using a methodology determined by the Appointed Actuary. To ensure equity and fairness, the methodology aims to allocate expenses in a manner that reflects the cost of running the business in each fund.

These expenses incurred by the Life Participating Fund have been included in the premium and will not be separately charged to the policyholder.

[p.8]

The key risks that the Life Participating Fund is subjected to include investment risks, expense risks (when expenses of running the business are higher than expected), mortality and longevity risks, morbidity risks, and surrender and lapse risks (when actual surrenders differ from expected).

Some non-participating and investment-linked businesses are written in the Life Participating Fund and they may also be subjected to similar risks. These risks result in profit and losses, which will be accounted for in the surplus of the Life Participating Fund, thus influencing its financial strength.

In determining sustainable bonus rates for the participating policies, we look to their asset share, which is the value of the assets available to back the policy. It is calculated as the total premiums received plus actual investment returns and other profits earned by the Life Participating Fund, less expenses and charges and other outgo.

## 7. Smoothing of Bonuses

As investment performance may vary from year to year, bonuses are smoothed to ensure stable medium to long-term returns on your participating policy. This means that bonuses may be held back in good years to support the maintenance of the bonus in years when the performance of the Life Participating Fund is less favourable. It is intended that over the long term, the net impact of smoothing is neutral. Smoothing will never reduce any guaranteed benefits that may apply. Smoothing is a common industry practice.

This product was launched in 2025.

The terminal bonus rates for the past 3 years (or less if the product was launched later) are consistent with the illustrated rates stated in Section 3 "Bonuses".

There is no past experience available for cash bonus rates yet.

Please note that past performance is not necessarily indicative of future performance of the Life Participating Fund.

## 8. Expenses of the Life Participating Fund

Expenses are incurred in the course of running the Life Participating Fund. These expenses include commission, distribution costs, general overheads, underwriting expenses, policy issue and claims expenses, depreciation, etc. This is not an exhaustive list of expenses incurred by the Life Participating Fund.

Expense directly incurred by the Life Participating Fund would be charged to the Life Participating Fund. However, some expenses are shared across all funds. These expenses would be allocated to each fund (including the Life Participating Fund), using a methodology determined by the Appointed Actuary. To ensure equity and fairness, the methodology aims to allocate expenses in a manner that reflects the cost of running the business in each fund.

These expenses incurred by the Life Participating Fund have been included in the premium and will not be separately charged to the policyholder.

## 9. Conflict of Interests

We seek to treat our customers fairly, balancing any conflicting interests that arise between various groups and generations of policyholders or between policyholders and shareholders.

## 10. Related Party Transactions

Fullerton Fund Management Company Ltd, an external fund manager which manages a substantial portion of the Life Participating Fund, is a related party to Income Insurance. Income Insurance has governance and controls in place to ensure related party transactions are conducted at arm's length.

## 11. Riders

With additional premiums, you may attach available riders to enjoy extra protection.

All riders are subject to terms and conditions. For more information on these riders, please refer to the relevant product summaries of the riders.

## 12. Premiums

For single premium term, a single premium amount is payable at policy inception using cash or Supplementary Retirement Scheme savings.

For premium term of 5, 10, 15, or 20 years, premiums are payable throughout the premium term. You can choose to pay monthly, quarterly, half-yearly or yearly. Premium rates are guaranteed throughout the premium term.

## 13. Exclusions

There are certain conditions which no benefits will be payable under this policy as listed below. Please refer to the policy contract for the full details of the exclusions.

### Death benefit

This policy is not valid if the original insured commits suicide within one year from the cover start date.

We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.

### Terminal illness benefit

We will not pay this benefit if your claim arises from:

- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide;
- unlawful acts, provoked assault or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.

[p.9]

## 9. Conflict of Interests

We seek to treat our customers fairly, balancing any conflicting interests that arise between various groups and generations of policyholders or between policyholders and shareholders.

## 10. Related Party Transactions

Fullerton Fund Management Company Ltd, an external fund manager which manages a substantial portion of the Life Participating Fund, is a related party to Income Insurance. Income Insurance has governance and controls in place to ensure related party transactions are conducted at arm's length.

## 11. Riders

With additional premiums, you may attach available riders to enjoy extra protection.

All riders are subject to terms and conditions. For more information on these riders, please refer to the relevant product summaries of the riders.

## 12. Premiums

For single premium term, a single premium amount is payable at policy inception using cash or Supplementary Retirement Scheme savings.

For premium term of 5, 10, 15, or 20 years, premiums are payable throughout the premium term. You can choose to pay monthly, quarterly, half-yearly or yearly. Premium rates are guaranteed throughout the premium term.

## 13. Exclusions

There are certain conditions which no benefits will be payable under this policy as listed below. Please refer to the policy contract for the full details of the exclusions.

### Death benefit

This policy is not valid if the original insured commits suicide within one year from the cover start date.

We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date.

### Terminal illness benefit

We will not pay this benefit if your claim arises from:

- deliberate acts such as self-inflicted injuries, illnesses or attempted suicide;
- unlawful acts, provoked assault or deliberate exposure to danger; or
- the effects of alcohol, drugs or any dependence.

### Other conditions

After you have been continuously covered for two years from the cover start date, we will pay your claim unless:

- it is a case of fraud;
- you fail to pay a premium;
- the insured has a material pre-existing condition which you did not tell us about when you applied for the basic policy or rider if health declaration is required;
- you or the insured fail to tell us any significant information or information which is true, correct and complete which would have reasonably affected our decision to accept your application; or
- the claim is excluded or not covered under the terms of the basic policy or rider.

## 14. Free-Look

You will have 14 days from the date you receive the policy documents to be sure that you want to keep the policy. If we deliver the policy by email or any other electronic means to you, the 14 days will start 7 days after the date of the delivery. If we deliver the policy both by post and email or any other electronic means to you, the 14 days will start 7 days after the date of the delivery by post.

During this time, if you choose to cancel the policy, we will refund you the premiums you have paid, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us.

## 15. Grace Period

There is a 30 days grace period to pay the premiums due on your policy.

If we are due to pay any benefits during this period, we will take off any unpaid premiums from the benefits.

## 16. Lapse

If you still have not paid the premium for this policy or any of its riders after the period of grace, we will pay the premiums on your behalf so this policy and its riders can continue. We will only do this if the policy has enough cash value to repay them. We treat this as a loan (called an automatic premium loan) and charge you interest. If there is not enough cash value, this policy and its riders (if any) will end.

We will take these loans and interest from any amount we may be due to pay under this policy. If at any time the amount of the loans and interest is more than the cash value, this policy and its riders (if any) will end.

## 17. Reinstatement Period

If this policy and its riders (if any) end during the accumulation period because there is not enough cash value, you can reinstate this policy and its riders (if any) within 36 months by paying the premiums you owe along with interest. This applies as long as you give us satisfactory proof of the insured's good health and there is no change in the risks covered by this policy.

However, if we do not ask for the insured's health declaration or medical checks at the time of application, then you need not give us satisfactory proof of the insured's good health.

[p.10]

### Other conditions

After you have been continuously covered for two years from the cover start date, we will pay your claim unless:

- it is a case of fraud;
- you fail to pay a premium;
- the insured has a material pre-existing condition which you did not tell us about when you applied for the basic policy or rider if health declaration is required;
- you or the insured fail to tell us any significant information or information which is true, correct and complete which would have reasonably affected our decision to accept your application; or
- the claim is excluded or not covered under the terms of the basic policy or rider.

## 14. Free-Look

You will have 14 days from the date you receive the policy documents to be sure that you want to keep the policy. If we deliver the policy by email or any other electronic means to you, the 14 days will start 7 days after the date of the delivery. If we deliver the policy both by post and email or any other electronic means to you, the 14 days will start 7 days after the date of the delivery by post.

During this time, if you choose to cancel the policy, we will refund you the premiums you have paid, less any medical fees and other expenses such as payments for medical check-ups and medical reports incurred by us.

## 15. Grace Period

There is a 30 days grace period to pay the premiums due on your policy.

If we are due to pay any benefits during this period, we will take off any unpaid premiums from the benefits.

## 16. Lapse

If you still have not paid the premium for this policy or any of its riders after the period of grace, we will pay the premiums on your behalf so this policy and its riders can continue. We will only do this if the policy has enough cash value to repay them. We treat this as a loan (called an automatic premium loan) and charge you interest. If there is not enough cash value, this policy and its riders (if any) will end.

We will take these loans and interest from any amount we may be due to pay under this policy. If at any time the amount of the loans and interest is more than the cash value, this policy and its riders (if any) will end.

## 17. Reinstatement Period

If this policy and its riders (if any) end during the accumulation period because there is not enough cash value, you can reinstate this policy and its riders (if any) within 36 months by paying the premiums you owe along with interest. This applies as long as you give us satisfactory proof of the insured's good health and there is no change in the risks covered by this policy.

However, if we do not ask for the insured's health declaration or medical checks at the time of application, then you need not give us satisfactory proof of the insured's good health.

## 18. Claim

To make a claim for death benefit, we must be told of the claim and all relevant documents to support the claim must be given within six months after the insured's death.

If the basic policy or rider provides for accidental death or accidental total and permanent disability (TPD) benefit, we must be told of the claim and all relevant documents to support the claim must be given within thirty days after the insured's accidental death or accidental TPD. If we are not told of the claim or have not received all relevant documents within thirty days, we will reject the claim unless we deem that you have a valid reason for the delay. You must also show that you have told us and given all relevant documents to support the claim to us as soon as reasonably possible.

To make a claim for other benefits, we must be told of the claim and all relevant documents to support the claim must be given within six months after the diagnosis or the event giving rise to the claim. If we are not told of the claim or have not received all relevant documents within six months, we will reject the claim unless we deem that you have a valid reason for the delay. You must also show that you have told us and given all relevant documents to support the claim to us as soon as reasonably possible.

If we are not told of your claim or have not received all relevant documents for your claim within two years from the date of the event giving rise to the claim, we will not pay the claim.

When you submit a claim in relation to any benefit, we will process the claim across all the policies (and applicable riders) you hold with us. We will not accept any request to claim under only certain policies that you have with us.

When we pay a claim, we will not refund any premiums that have been paid.

## 19. Termination

You may write in to terminate or surrender your policy any time. Please refer to our webpage for the termination or surrender procedures: income.com.sg/claims/life-and-health-insurance/surrender-of-policies.

Please note that an early termination of the policy usually involves high costs and the surrender value payable (if applicable) may be zero or less than the total premiums paid.

If you cancel your policy before the next premium is due, we will also end your compulsory rider from the next premium due date and we will not refund any unused premium.

## 20. Performance Update

To evaluate the performance of your policy and the Life Participating Fund, you may wish to refer to the following documents:

i. Annual Bonus Update (sent annually to participating policyholders)
ii. Policyholder Annual Statement (sent annually to all policyholders)
iii. Post Sales Illustration (available upon request)

[p.11]

## 18. Claim

To make a claim for death benefit, we must be told of the claim and all relevant documents to support the claim must be given within six months after the insured's death.

If the basic policy or rider provides for accidental death or accidental total and permanent disability (TPD) benefit, we must be told of the claim and all relevant documents to support the claim must be given within thirty days after the insured's accidental death or accidental TPD. If we are not told of the claim or have not received all relevant documents within thirty days, we will reject the claim unless we deem that you have a valid reason for the delay. You must also show that you have told us and given all relevant documents to support the claim to us as soon as reasonably possible.

To make a claim for other benefits, we must be told of the claim and all relevant documents to support the claim must be given within six months after the diagnosis or the event giving rise to the claim. If we are not told of the claim or have not received all relevant documents within six months, we will reject the claim unless we deem that you have a valid reason for the delay. You must also show that you have told us and given all relevant documents to support the claim to us as soon as reasonably possible.

If we are not told of your claim or have not received all relevant documents for your claim within two years from the date of the event giving rise to the claim, we will not pay the claim.

When you submit a claim in relation to any benefit, we will process the claim across all the policies (and applicable riders) you hold with us. We will not accept any request to claim under only certain policies that you have with us.

When we pay a claim, we will not refund any premiums that have been paid.

## 19. Termination

You may write in to terminate or surrender your policy any time. Please refer to our webpage for the termination or surrender procedures: income.com.sg/claims/life-and-health-insurance/surrender-of-policies.

Please note that an early termination of the policy usually involves high costs and the surrender value payable (if applicable) may be zero or less than the total premiums paid.

If you cancel your policy before the next premium is due, we will also end your compulsory rider from the next premium due date and we will not refund any unused premium.

## 20. Performance Update

To evaluate the performance of your policy and the Life Participating Fund, you may wish to refer to the following documents:

i. Annual Bonus Update (sent annually to participating policyholders)
ii. Policyholder Annual Statement (sent annually to all policyholders)
iii. Post Sales Illustration (available upon request)

## 21. Policy Owners' Protection Scheme

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

## DISCLAIMER

This product summary does not form a part of the contract of insurance. It is only meant to be a simplified description of the product features which apply to this plan and does not explain the whole contract. The contents of this product summary may be different from the terms of cover eventually issued. Please read the policy contract for the precise terms, conditions and exclusions. Only the terms, conditions and exclusions in the policy contract will be enforceable by the policyholder and Income Insurance.

[p.12]

## 21. Policy Owners' Protection Scheme

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

## DISCLAIMER

This product summary does not form a part of the contract of insurance. It is only meant to be a simplified description of the product features which apply to this plan and does not explain the whole contract. The contents of this product summary may be different from the terms of cover eventually issued. Please read the policy contract for the precise terms, conditions and exclusions. Only the terms, conditions and exclusions in the policy contract will be enforceable by the policyholder and Income Insurance.

---

# Appendix A - List of External Fund Managers

## Appointed Managers

1. Allianz Global Investors Singapore Limited - 79 Robinson Road #09-03 | Singapore 068897
2. Baillie Gifford Asia (HK) Limited - Suites 2713-2715, 8 Finance Street | Two International Finance Centre Central, Hong Kong
3. Blackstone Credit Hibiscus Feeder Fund LP - 345 Park Avenue, #31/F | New York, NY 10154
4. BlackRock - 20 Anson Road #18-01 | Twenty Anson Singapore 079912
5. CBRE Investment Management Indirect Limited - 2 Tanjong Katong Road #06-01 | Paya Lebar Quarter Singapore 437161
6. Cerberus Capital Management, L.P. - 875 Third Avenue, #10/F | New York, NY 10022
7. E Fund Management (HK) Co., Limited - Suites 3501-02, 8 Finance Street | Two International Finance Centre Central, Hong Kong
8. J.P. Morgan Asset Management - 88 Market Street #30/F | CapitaSpring Singapore 048948
9. MFS International Limited - 250 North Bridge Road #08-01 | Raffles City Tower Singapore 179101
10. Morgan Stanley Investment Management - 23 Church Street #16-01 | Capital Square Singapore 049481
11. PIMCO Asia Pte Ltd - 8 Marina View #30-01 | Asia Square Tower 1 Singapore 018960
12. SeaTown Private Strategies GP II Pte. Ltd. - 3 Fraser Street #06-23 | DUO Tower Singapore 189352
13. Schroder Investment Management Ltd - 138 Market Street #23-01 | CapitaGreen Singapore 048946

[p.13]

## Appointed Managers

1. Allianz Global Investors Singapore Limited - 79 Robinson Road #09-03 | Singapore 068897
2. Baillie Gifford Asia (HK) Limited - Suites 2713-2715, 8 Finance Street | Two International Finance Centre Central, Hong Kong
3. Blackstone Credit Hibiscus Feeder Fund LP - 345 Park Avenue, #31/F | New York, NY 10154
4. BlackRock - 20 Anson Road #18-01 | Twenty Anson Singapore 079912
5. CBRE Investment Management Indirect Limited - 2 Tanjong Katong Road #06-01 | Paya Lebar Quarter Singapore 437161
6. Cerberus Capital Management, L.P. - 875 Third Avenue, #10/F | New York, NY 10022
7. E Fund Management (HK) Co., Limited - Suites 3501-02, 8 Finance Street | Two International Finance Centre Central, Hong Kong
8. J.P. Morgan Asset Management - 88 Market Street #30/F | CapitaSpring Singapore 048948
9. MFS International Limited - 250 North Bridge Road #08-01 | Raffles City Tower Singapore 179101
10. Morgan Stanley Investment Management - 23 Church Street #16-01 | Capital Square Singapore 049481
11. PIMCO Asia Pte Ltd - 8 Marina View #30-01 | Asia Square Tower 1 Singapore 018960
12. SeaTown Private Strategies GP II Pte. Ltd. - 3 Fraser Street #06-23 | DUO Tower Singapore 189352
13. Schroder Investment Management Ltd - 138 Market Street #23-01 | CapitaGreen Singapore 048946
14. State Street Global Markets - Portfolio Solutions - 168 Robinson Road #33-01 | Capital Tower Singapore 068912
15. Wellington International Management Company Pte Ltd - 8 Marina Boulevard, #03-01 | Tower 1, Marina Bay Financial Centre Singapore 018981
16. Invesco Asset Management Singapore Limited - 9 Raffles Place #18-01 | Republic Plaza Singapore 048619
17. Russell Investments - 135 King Street #29/F | Sydney, NSW 2000, Australia
18. Fullerton Fund Management Company Ltd - 3 Fraser Street #09-28 | DUO Tower Singapore 189352
19. Barings LLC - 300 South Tryon Street, Suite 2500 | Charlotte, NC 28202
20. Blue Owl Capital - 399 Park Avenue, #37/F | New York, NY 10022
21. Ares Capital Management LLC - 245 Park Avenue, #44/F | New York, NY 10167
22. Churchill Asset Management - 375 Park Avenue, #9/F | New York, NY 10152
23. Goldman Sachs Asset Management, L.P. - 200 West Street, #15/F | New York, NY 10282
24. HPS Investment Partners, LLC - 40 West 57th Street, #33/F | New York, NY 10019
25. TPG Angelo Gordon - 245 Park Avenue, #26/F | New York, NY 10167
26. MGG Investment Group - One Pennsylvania Plaza, #53/F | New York, NY 10119
27. Crescent Credit Europe LLP - 2 Cavendish Square | London W1G 0PU
28. Permira Credit - 100 Pall Mall, #2F | London, SW1Y 5NQ

[p.14]

29. Coller Capital Limited - Park House, 116 Park Street | London, W1K 6AF
30. Crescent Capital Group - 11100 Santa Monica Boulevard, Suite 2000 | Los Angeles, CA 90025
31. Sixth Street Partners - 1 Letterman Dr, Building B/Yoda Fountain | San Francisco, CA 94129
32. CapitaLand Investment Limited - 168 Robinson Road, #30-01 Capital Tower | Singapore 068912

---

# Appendix B – Cash Bonus Rates

Cash bonus rates (percentage of cash benefit) at the illustrated investment rates of return of 4.25% p.a.

- Cash bonus rates for payout term 10, 15 and 20 years does not vary by entry age. Cash bonus rates for payout to age 100 vary by entry age. For payout to age 100, the range of cash bonus shown in table below refers to the different cash bonus rates applicable for different entry ages.
- Please refer to your policy illustration for applicable cash bonuses for your policy.

## Payout Period 10 years

| Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|---|
| 5 | 29.50% | | | | |
| 6 | 33.56% | | | | |
| 7 | 38.66% | | | | |
| 8 | 43.76% | | | | |
| 9 | 48.86% | | | | |
| 10 | 55.00% | 42.00% | | | |
| 11 | 61.10% | 50.00% | | | |
| 12 | 67.20% | 54.00% | | | |
| 13 | 73.30% | 59.00% | | | |
| 14 | 79.40% | 63.00% | | | |
| 15 | 85.50% | 68.50% | 57.00% | | |
| 16 | 90.78% | 72.86% | 61.38% | | |
| 17 | 96.06% | 77.22% | 65.76% | | |
| 18 | 101.34% | 81.58% | 70.14% | | |
| 19 | 106.62% | 85.94% | 74.52% | | |
| 20 | 111.89% | 90.30% | 78.90% | 67.84% | |
| 21 | 116.50% | 94.34% | 83.28% | 72.76% | |
| 22 | 118.79% | 96.60% | 86.78% | 77.04% | |
| 23 | 121.07% | 99.91% | 90.25% | 80.56% | |
| 24 | 123.34% | 104.03% | 94.63% | 84.80% | |
| 25 | 125.63% | 109.18% | 100.80% | 90.10% | 76.60% |
| 26 | 133.72% | 115.47% | 107.10% | 95.15% | 81.71% |
| 27 | 141.82% | 122.93% | 112.32% | 100.20% | 86.09% |

[p.16]

| Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|---|
| 28 | 149.92% | 130.53% | 118.65% | 105.25% | 90.47% |
| 29 | 158.01% | 137.19% | 123.90% | 109.75% | 94.46% |
| 30 | 166.10% | 145.06% | 129.15% | 115.36% | 99.40% |
| 31 | 174.77% | 151.85% | 135.68% | 120.85% | 104.18% |
| 32 | 183.46% | 158.64% | 142.31% | 126.34% | 109.47% |
| 33 | 192.12% | 165.43% | 148.73% | 131.83% | 114.87% |
| 34 | 200.80% | 172.22% | 155.52% | 137.32% | 120.26% |
| 35 | 209.47% | 179.00% | 160.92% | 142.80% | 125.77% |
| 36 | 218.20% | 188.00% | 165.36% | 149.48% | 131.79% |
| 37 | 226.92% | 195.03% | 171.15% | 154.60% | 136.14% |
| 38 | 235.64% | 201.99% | 178.50% | 159.67% | 142.35% |
| 39 | 244.37% | 208.88% | 186.90% | 166.35% | 148.01% |
| 40 | 253.09% | 220.00% | 195.70% | 174.44% | 155.14% |
| 41 | 263.20% | 228.60% | 204.88% | 182.15% | 163.84% |
| 42 | 273.29% | 237.20% | 216.30% | 189.86% | 171.08% |
| 43 | 283.39% | 245.80% | 223.65% | 197.57% | 179.77% |
| 44 | 293.48% | 254.40% | 233.20% | 204.26% | 188.04% |
| 45 | 303.57% | 263.00% | 242.89% | 213.00% | 197.64% |
| 46 | 312.13% | 272.20% | 251.45% | 222.11% | 204.49% |
| 47 | 323.95% | 281.40% | 260.01% | 231.22% | 211.87% |
| 48 | 334.25% | 290.60% | 268.57% | 240.33% | 218.53% |
| 49 | 344.65% | 299.80% | 277.13% | 249.44% | 225.94% |
| 50 | 353.37% | 309.00% | 284.08% | 258.53% | 233.40% |

## Payout Period 15 years

| Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|---|
| 5 | 40.75% | | | | |
| 6 | 46.60% | | | | |
| 7 | 52.45% | | | | |
| 8 | 58.30% | | | | |
| 9 | 64.15% | | | | |
| 10 | 70.00% | 56.00% | | | |
| 11 | 77.65% | 61.00% | | | |
| 12 | 85.30% | 67.00% | | | |
| 13 | 92.95% | 72.00% | | | |
| 14 | 100.60% | 78.00% | | | |
| 15 | 108.25% | 83.00% | 70.00% | | |
| 16 | 113.38% | 87.43% | 73.37% | | |
| 17 | 118.51% | 90.61% | 77.87% | | |
| 18 | 123.64% | 93.79% | 82.36% | | |
| 19 | 128.77% | 96.97% | 86.86% | | |
| 20 | 133.92% | 99.65% | 91.35% | 78.75% | |
| 21 | 137.61% | 104.67% | 96.93% | 84.00% | |
| 22 | 139.75% | 108.30% | 100.99% | 87.15% | |
| 23 | 141.89% | 111.46% | 105.03% | 91.35% | |
| 24 | 144.02% | 115.77% | 108.97% | 95.55% | |
| 25 | 145.76% | 121.59% | 113.00% | 101.92% | 86.95% |
| 26 | 154.28% | 128.51% | 118.65% | 105.47% | 90.66% |
| 27 | 162.81% | 135.62% | 125.32% | 111.19% | 95.78% |

[p.17]

| Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|---|
| 28 | 171.34% | 142.93% | 130.91% | 115.81% | 100.31% |
| 29 | 179.86% | 150.38% | 136.50% | 120.43% | 105.38% |
| 30 | 188.38% | 154.00% | 142.15% | 125.00% | 108.97% |
| 31 | 196.99% | 159.50% | 148.63% | 131.20% | 114.41% |
| 32 | 205.60% | 166.47% | 155.15% | 137.40% | 120.12% |
| 33 | 214.21% | 173.43% | 161.57% | 143.60% | 125.80% |
| 34 | 222.82% | 181.29% | 168.18% | 149.80% | 131.59% |
| 35 | 231.43% | 188.28% | 174.62% | 156.00% | 137.42% |
| 36 | 240.44% | 197.21% | 180.70% | 163.02% | 143.75% |
| 37 | 249.45% | 205.15% | 186.90% | 170.04% | 149.80% |
| 38 | 258.46% | 214.09% | 194.78% | 177.06% | 156.21% |
| 39 | 267.47% | 221.99% | 203.70% | 184.08% | 162.24% |
| 40 | 276.48% | 233.19% | 212.30% | 191.10% | 169.03% |
| 41 | 285.47% | 242.21% | 220.63% | 197.68% | 175.12% |
| 42 | 294.46% | 253.68% | 231.39% | 206.26% | 183.86% |
| 43 | 303.45% | 260.76% | 239.75% | 213.77% | 190.85% |
| 44 | 312.43% | 270.29% | 248.44% | 224.57% | 200.84% |
| 45 | 324.88% | 280.34% | 259.21% | 234.00% | 209.50% |
| 46 | 334.29% | 291.08% | 270.02% | 243.30% | 219.88% |
| 47 | 345.33% | 300.97% | 279.03% | 252.60% | 226.28% |
| 48 | 355.61% | 310.85% | 288.03% | 261.90% | 234.26% |
| 49 | 365.94% | 322.30% | 298.51% | 273.91% | 245.37% |
| 50 | 375.43% | 332.24% | 308.77% | 280.50% | 253.89% |

| Payout Period | 15 years | | | | | Payout Period | 15 years | | | | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years | Accumulation Period | Single premium | 5 years | 10 years | 15 years | 20 years |
| | | | | | | | Premium Term | | | | |
| 5 | 40.75% | | | | | 28 | 171.34% | 142.93% | 130.91% | 115.81% | 100.31% |
| 6 | 46.60% | | | | | 29 | 179.86% | 150.38% | 136.50% | 120.43% | 105.38% |
| 7 | 52.45% | |