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Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

Commencement Date: 31/10/2018 HLA Asset Protector Flex


Regular Premium Investment-Linked Plan with Increasing Cover

Insured Lives Name Date Of Birth Age (Last Birthday) Gender Smoker
Life Assured TUEM FWA WAH 8/11/1952 65 Male No

Basic Plan/ Rider Insured Life Coverage Type Sum Assured/ Coverage Premium Annual Occupation Occupation Health Loading Health Loading
Benefit Period Payment Premium Payable Class Loading (per RM1k SA) (%)
(RM) (Years) Period (Years) (RM) (per RM1k SA) (RM)
(RM)

HLA Asset Protector Flex 1st Life Assured Increasing Cover 1,000,000.00 35 10 1,200.00 Class 2 STD - -

Regular Top Up (Desired) 1st Life Assured - - - 10 38,000.00 Class 2 - - -

Accelerated Critical Illness Rider 1st Life Assured 1,000,000.00 20 - 0.00 Class 2 - - -

Total (Annual) (RM) 39,200.00

Others

Monthly Policy Fee RM5.00


- deducted from policy's Account Value

Based on the selected coverage, premium payable, premium payment period shown above and withdrawal made; your policy may sustain for 11 years to your age last birthday of 76 under Projected Investment Rate of Return of
Scenario Y; and 10 years to your age last birthday of 75 under Projected Investment Rate of Return of Scenario X. You may consider top up or increasing your regular premium to enhance sustainability of the policy.

Actual sustainability of the policy depends on the actual investment rate of return, policy benefits, charges and withdrawal.

Fund Allocation
Your allocated premium will be invested in the following funds:

Date Range HLA Value HLA Venture HLA Venture HLA Venture HLA Venture HLA Dana HLA Venture HLA Secure HLA Venture HLA Cash
Fund (%) Flexi Fund Growth Fund Blue Chip Dana Putra Suria (%) Managed Fund (%) Income Fund Fund (%)
(%) (%) Fund (%) (%) Fund (%) (%)

Commencement Date to Policy Maturity Date 50.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00

Fund(s) HLA Value HLA Venture HLA Venture HLA Venture HLA Venture HLA Dana HLA Venture HLA Secure HLA Venture HLA Cash
[1] [2] [2] [2] [2] [1] [2] [1] [1] [1]
Fund Flexi Fund Growth Fund Blue Chip Fund Dana Putra Suria Managed Fund Fund Income Fund Fund

Fund Management Fee 1.45% p.a. 1.45% p.a. 1.45% p.a. 1.48% p.a. 1.40% p.a. 1.30% p.a. 1.23% p.a. 1.00% p.a. 0.50% p.a. 0.25% p.a.
(as at 1 Jan 2018)

[1] The Company reserves the right to change the Fund Management Fees by giving Policy Owner ninety (90) days prior written notice.
[2] The Fund Management Fee will be reviewed monthly and will be revised if the previous month end actual asset allocation deviates by more than ten percent (10%) of the initial asset allocation.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 1 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

The Fund Management Fee for each of the fund shall be capped as follows:

Name of Fund Fund Management Fee (%p.a)

HLA Venture Flexi Fund 1.48

HLA Venture Growth Fund 1.50


HLA Venture Blue Chip Fund 1.50
HLA Venture Dana Putra 1.40

HLA Venture Managed Fund 1.25

The Company reserves the right to change the maximum Fund Management Fee as stated above.

Plough Back Mechanism (only applicable to HLA Value Fund)


In the event that the net fund performance is below 5% per annum based on the performance assessment on the last business day of September of each year, an amount equivalent to 0.5% per annum of the fund’s Net Asset Value
(NAV) will be ploughed back to the fund in four equal weekly payments. The first payment will be due on the first business day of October of each year.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 2 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

Charges:

Monthly Policy Fee: RM5 per month

Monthly Insurance Charge: A monthly insurance charge is deducted from your account value on monthly basis.

Fund Switching Fee: Nil.

(Please refer to Note for the description of the charges)

Option for Regular Top Up:

Commencing from (Policy Year) to (Policy Year) Amount (RM)

Policy Year 1 to 10 38,000.00

Policy Year 11 to 35 0.00

Notes:
If you wish to activate the Regular Top Up Option after policy issuance, you are required to complete the "Unit-Linked Regular Top Up Option Application Form".

Option for Regular Withdrawal:

Starting from (Policy Year) to (Policy Year)


-

Interval (Years) -

Amount (RM) -

Notes:
All withdrawals are assumed to be made at the end of the policy year.
Each withdrawal must be a minimum of RM100. The minimum fund balance after withdrawal is RM500, subject to review by the company from time to time.

Summary of Total Premium Payable


[3]
Policy Year Attained Age Annual Total Premium Payable (RM)
1 - 10 65 - 74 39,200.00
11 - 35 75 - 99 0.00
[3] Life Assured's Age at the beginning of policy year.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 3 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

HLA Asset Protector Flex


Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan and Rider

Policy Life Assured's Age Basic Sum Total Cumulative Unallocated Allocated Cumulative Not Guaranteed Direct
Year At The End Of Assured Premium Paid per Premium Premium Premium Allocated Premium Insurance Charges Other Charges Distribution Cost
Year Policy Year (RM)
(RM) (RM) (RM) (RM) (RM) (RM) Basic Cover Rider(s) (RM) (RM)
Scenario Y Scenario X
1 66 1,000,000 39,200 39,200 2,290 36,910 36,910 10,741 10,741 15,200 60 1,725
2 67 1,000,000 39,200 78,400 2,290 36,910 73,820 11,702 11,702 16,000 60 1,695
3 68 1,000,000 39,200 117,600 2,290 36,910 110,730 12,727 12,727 16,800 60 1,605
4 69 1,000,000 39,200 156,800 2,020 37,180 147,910 13,807 13,807 17,800 60 1,575
5 70 1,000,000 39,200 196,000 2,020 37,180 185,090 14,756 14,756 18,900 60 1,515
6 71 1,000,000 39,200 235,200 2,020 37,180 222,270 16,222 16,222 20,000 60 1,515
7 72 1,000,000 39,200 274,400 1,900 37,300 259,570 17,598 17,598 21,200 60 1,425
8 73 1,000,000 39,200 313,600 1,900 37,300 296,870 19,348 19,348 22,632 60 1,425
9 74 1,000,000 39,200 352,800 1,900 37,300 334,170 21,227 21,227 22,971 60 1,425
10 75 1,000,000 39,200 392,000 1,900 37,300 371,470 23,265 23,265 23,316 60 1,425
11 76 1,000,000 0 392,000 0 0 371,470 25,497 - 23,666 60 0
12 77 - - - - - - - - - - -
13 78 - - - - - - - - - - -
14 79 - - - - - - - - - - -
15 80 - - - - - - - - - - -
16 81 - - - - - - - - - - -
17 82 - - - - - - - - - - -
18 83 - - - - - - - - - - -
19 84 - - - - - - - - - - -
20 85 - - - - - - - - - - -
25 90 - - - - - - - - - - -
30 95 - - - - - - - - - - -
35 100 - - - - - - - - - - -

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.

WARNING : YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED ACCOUNT VALUE IS NOT ENOUGH TO
PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR
PREMIUM OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.

You should ask the agent/broker/financial adviser to explain to you about the insurance charges and its effect on your future insurance coverage.

Notes:
Unallocated Premium - This represents a charge to your premium and is used to meet the direct distribution cost and company’s expenses.
Direct Distribution Cost - cost directly attributable to the distribution channel for the sale of this policy, i.e. payments to agent/broker/financial adviser. This cost is paid from the charges that are imposed on your policy for services that the
agent/broker/financial adviser will provide to you for the duration of your policy.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 4 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

HLA Asset Protector Flex


Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan and Rider

Policy Life Assured's Guaranteed - End of Year Total Benefit Not Guaranteed - End of Year Total Benefit Not Guaranteed
Year Age At The [4] [5]
Death Benefit Surrender Value Death Benefit Fund Management Fee
End Of Year
(RM) (RM) (RM) (RM)
Scenario Y Scenario X Scenario Y Scenario X Scenario Y Scenario X
1 66 1,000,000 12,397 11,128 1,012,397 1,011,128 495 495
2 67 1,000,000 23,774 20,592 1,023,774 1,020,592 661 644
3 68 1,000,000 34,001 28,313 1,034,001 1,028,313 813 771
4 69 1,000,000 43,026 34,290 1,043,026 1,034,290 954 878
5 70 1,000,000 50,515 38,266 1,050,515 1,038,266 1,075 958
6 71 1,000,000 55,835 39,700 1,055,835 1,039,700 1,175 1,011
7 72 1,000,000 58,985 38,695 1,058,985 1,038,695 1,248 1,032
8 73 1,000,000 59,074 34,499 1,059,074 1,034,499 1,291 1,018
9 74 1,000,000 56,899 28,042 1,056,899 1,028,042 1,292 962
10 75 1,000,000 52,390 19,169 1,052,390 1,019,169 1,263 875
11 76 1,000,000 4,963 - 1,004,963 - 702 -
12 77 - - - - - - -
13 78 - - - - - - -
14 79 - - - - - - -
15 80 - - - - - - -
16 81 - - - - - - -
17 82 - - - - - - -
18 83 - - - - - - -
19 84 - - - - - - -
20 85 - - - - - - -
25 90 - - - - - - -
30 95 - - - - - - -
35 100 - - - - - - -

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.
[4] Inclusive of Bonus Unit. Please refer to Notes section for detail.
[5] Based on projection, this is the amount that will be payable in the event of death of the Life Assured which is inclusive of the Guaranteed Death Benefit of Basic Plan.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 5 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

HLA Asset Protector Flex


Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan

Policy Life Assured's Age Basic Sum Total Cumulative Unallocated Allocated Cumulative Not Guaranteed Direct
Year At The End Of Assured Premium Paid per Premium Premium Premium Allocated Premium Insurance Charges Other Charges Distribution Cost
Year Policy Year (RM)

(RM) (RM) (RM) (RM) (RM) (RM) Basic Cover (RM) (RM)
Rider(s)
Scenario Y Scenario X
1 66 1,000,000 39,200 39,200 2,290 36,910 36,910 10,741 10,741 0 60 1,725
2 67 1,000,000 39,200 78,400 2,290 36,910 73,820 11,702 11,702 0 60 1,695
3 68 1,000,000 39,200 117,600 2,290 36,910 110,730 12,727 12,727 0 60 1,605
4 69 1,000,000 39,200 156,800 2,020 37,180 147,910 13,807 13,807 0 60 1,575
5 70 1,000,000 39,200 196,000 2,020 37,180 185,090 14,756 14,756 0 60 1,515
6 71 1,000,000 39,200 235,200 2,020 37,180 222,270 16,222 16,222 0 60 1,515
7 72 1,000,000 39,200 274,400 1,900 37,300 259,570 17,598 17,598 0 60 1,425
8 73 1,000,000 39,200 313,600 1,900 37,300 296,870 19,348 19,348 0 60 1,425
9 74 1,000,000 39,200 352,800 1,900 37,300 334,170 21,227 21,227 0 60 1,425
10 75 1,000,000 39,200 392,000 1,900 37,300 371,470 23,265 23,265 0 60 1,425
11 76 1,000,000 0 392,000 0 0 371,470 25,497 25,497 0 60 0
12 77 1,000,000 0 392,000 0 0 371,470 28,748 28,748 0 60 0
13 78 1,000,000 0 392,000 0 0 371,470 31,919 31,919 0 60 0
14 79 1,000,000 0 392,000 0 0 371,470 35,369 35,369 0 60 0
15 80 1,000,000 0 392,000 0 0 371,470 39,128 39,128 0 60 0
16 81 1,000,000 0 392,000 0 0 371,470 42,667 42,667 0 60 0
17 82 1,000,000 0 392,000 0 0 371,470 46,489 - 0 60 0
18 83 1,000,000 0 392,000 0 0 371,470 50,594 - 0 60 0
19 84 1,000,000 0 392,000 0 0 371,470 54,970 - 0 60 0
20 85 1,000,000 0 392,000 0 0 371,470 59,614 - 0 60 0
25 90 - - - - - - - - - - -
30 95 - - - - - - - - - - -
35 100 - - - - - - - - - - -

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.

WARNING : YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED ACCOUNT VALUE IS NOT ENOUGH TO
PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR
PREMIUM OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.

You should ask the agent/broker/financial adviser to explain to you about the insurance charges and its effect on your future insurance coverage.
Notes:
Unallocated Premium - This represents a charge to your premium and is used to meet the direct distribution cost and company’s expenses.
Direct Distribution Cost - cost directly attributable to the distribution channel for the sale of this policy, i.e. payments to agent/broker/financial adviser. This cost is paid from the charges that are imposed on your policy for services that the
agent/broker/financial adviser will provide to you for the duration of your policy.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 6 of 7 Ref:SI20181029-0003
Printed On: 31/10/2018 11:36:59 am Code : A0068603 Prepared By : NG ZHI YUN

HLA Asset Protector Flex


Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan

Policy Life Assured's Guaranteed - End of Year Total Benefit Not Guaranteed - End of Year Total Benefit Not Guaranteed
Year Age At The Death Benefit Surrender Value [4]
Death Benefit [6]
Fund Management Fee
End Of Year
(RM) (RM) (RM) (RM)
Scenario Y Scenario X Scenario Y Scenario X Scenario Y Scenario X
1 66 1,000,000 28,125 26,407 1,028,125 1,026,407 495 495
2 67 1,000,000 57,078 52,102 1,057,078 1,052,102 872 848
3 68 1,000,000 86,848 77,015 1,086,848 1,077,015 1,260 1,192
4 69 1,000,000 117,717 101,355 1,117,717 1,101,355 1,662 1,529
5 70 1,000,000 149,606 124,978 1,149,606 1,124,978 2,077 1,855
6 71 1,000,000 182,046 147,357 1,182,046 1,147,357 2,504 2,171
7 72 1,000,000 215,371 168,752 1,215,371 1,168,752 2,941 2,472
8 73 1,000,000 249,153 188,674 1,249,153 1,188,674 3,388 2,758
9 74 1,000,000 283,317 206,995 1,283,317 1,206,995 3,842 3,024
10 75 1,000,000 317,880 223,572 1,317,880 1,223,572 4,301 3,269
11 76 1,000,000 312,727 200,508 1,312,727 1,200,508 4,265 2,990
12 77 1,000,000 303,867 173,911 1,303,867 1,173,911 4,197 2,680
13 78 1,000,000 291,309 143,843 1,291,309 1,143,843 4,079 2,324
14 79 1,000,000 274,170 109,930 1,274,170 1,109,930 3,912 1,921
15 80 1,000,000 251,995 71,838 1,251,995 1,071,838 3,682 1,468
16 81 1,000,000 224,674 29,737 1,224,674 1,029,737 3,385 959
17 82 1,000,000 191,568 - 1,191,568 - 3,019 -
18 83 1,000,000 152,270 - 1,152,270 - 2,575 -
19 84 1,000,000 105,536 - 1,105,536 - 2,047 -
20 85 1,000,000 51,185 - 1,051,185 - 1,419 -
25 90 - - - - - - -
30 95 - - - - - - -
35 100 - - - - - - -

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.
[4] Inclusive of Bonus Unit. Please refer to Notes section for detail.
[6] Based on projection, this is the amount that will be payable in the event of death of the Life Assured which is inclusive of the Guaranteed Death Benefit of Basic Plan.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.1.1 (Agency) Last Updated 18 Oct 2018 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 7 of 7 Ref:SI20181029-0003

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