AIA Guaranteed Protect Plus (IV)

If the Insured commits suicide within one year from the policy issue date or date of reinstatement, whichever is later, our liability will be limited to a return of premiums paid without interest.

Page 6

TPD Benefit exclusion: Any disability caused directly or indirectly, wholly or partly, by any of the following occurrences: (a) deliberate acts that endanger oneself, whether sane or insane, including any of the following: (i) while in violation or attempted violation of the law or resistance to arrest; or (ii) suicide or attempted suicide, intentional self-injury, or exposure to exceptional danger (except in an attempt to save human life);

Page 6

TPD Benefit exclusion: (b) engaging in or taking part in air, military or naval service in time of declared or undeclared war or while under order for warlike operations or restoration of public order; or

Page 6

TPD Benefit exclusion: (c) entering, operating, or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance (except where the Insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route or by the Republic of Singapore Air Force).

Page 6

If death occurs within the first 13 days of the Insured's date of birth, the total amount payable under the policy is limited to 20% of the Minimum Death Benefit.

Page 1