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AIA confidential and proprietary information. Not for distribution.

ILP Workshop - March 2011

By Marketing Department

AIA.COM

confidential and proprietary information. Not for distribution. ILP Workshop - March 2011 By Marketing Department AIA.COM

Agenda

Managing and mitigating your risk in ILPs

Dollar-Cost-Averaging Concept in ILPs

Needs base selling in ILPs

Bonus Units Campaign

• Needs base selling in ILPs • Bonus Units Campaign AIA confidential and proprietary information. Not

Are We Heading for Another Crisis?

Are We Heading for Another Crisis? Stock Market is vulnerable… Are we heading for another financial

Stock Market is vulnerable… Are we heading for another financial crisis?

Crisis = 危机 = Danger & Opportunity

Behind every crisis, there is an opportunity awaiting us…

Where is the safe haven under current crisis?

Where is the safe haven under current crisis? Withdraw from ILP and keep your money •

Withdraw from ILP and keep your money

In bank deposit? Under the pillow?

Let’s face it. We can’t avoid risk no matter where we place our money!

Managing and mitigating your risk in ILPs

Managing and mitigating your risk in ILPs 1. Don’t panic, stay invested if you are already

1. Don’t panic, stay invested if you are already in the market

2. Diversify your portfolio

3. Dollar Cost Averaging

1. Don’t panic. Stay invested if you are already in the market AIA confidential and

1. Don’t panic. Stay invested if you are already in the market

Don’t panic. Stay invested.

Don’t panic. Stay invested. FBMKLCI Movements & Events 1800 1600 Mar08: 12th Malaysia General Elections

FBMKLCI Movements & Events

1800 1600 Mar08: 12th Malaysia General Elections 1569.89 1516.22 Nov10: US QE2 Mar97: Bank negara
1800
1600
Mar08: 12th Malaysia
General Elections
1569.89
1516.22
Nov10: US QE2
Mar97: Bank negara
imposed control on
1391.57
1400
property and share
purchases
Jun10: PM unveiled
the 10th Malaysia
1270.67
Sep06:
1. GLC reforms
1200
Jul97: Baht devaluation
2. Announcement of 9MPs
Mar10: PM
Jul05: BNM
removed RM peg
Mar08: Collapse
of Bear Stearns
announced ETP
1002.62
1000
Sep 01 ‐ Terrorist
bombing of twin
Jan04: Bird flu
outbreak
887.34
843.12
tower in US
787.58
800
Sep/Oct08: Lehman
Brothers filed for
bankruptcy and AIG
bailed out
838.28
Apr09: Dato Seri Najib
became Malaysia's
Prime Minister
745.36
Nov08: US
Quantitative
Easing
600
563.72
Jan03: Commencement
of RM10b ValueCap
400
302.91
200
Sep98: Malaysia
imposed capital control
Source: Bloomberg
0
Jan ‐ 97
Jan ‐ 98
Jan ‐ 99
Jan ‐ 00
Jan ‐ 01
Jan ‐ 02
Jan ‐ 03
Jan ‐ 04
Jan ‐ 05
Jan ‐ 06
Jan ‐ 07
Jan ‐ 08
Jan ‐ 09
Jan ‐ 10
Jan ‐ 11

Don’t panic, stay invested

Don’t panic, stay invested • The crisis presents opportuniti es for fund managers to pick good

The crisis presents opportunities for fund managers to pick good value and fundamentally strong stocks.

No one will know when the crisis will end. But, for sure, the market will recover from the crisis eventually.

2. Diversify your Portfolio

2. Diversify your Portfolio AIA confidential and proprietary information. Not for distribution. 8

Diversify your Portfolio

Diversification may reduce the overall volatility of your portfolio

may reduce the overall volatility of your portfolio Example Investor A and Investor B have RM100,

Example Investor A and Investor B have RM100,000 each in their retirement plan account for a period of 20 years.

Investor A invests in a single asset class while Investor B diversifies into 5 different asset classes.

Investor B diversifies into 5 different asset classes.       Investor A      
 
   
   
   
   
 
 

Investor A

     

Investor B

  Investor A       Investor B
 

Initial

Annual

     

Initial

Annual

 

Investment

Return

Value after

Investment

Return

Value after

(RM)

%

20 yrs (RM)

(RM)

%

20 yrs (RM)

20 yrs (RM)
             

Total

 

Investment A

100,000

6

320,714

Investment B

20,000

Loss

0

0
         

Investment C

20,000

3

36,122

36,122
         

Investment D

20,000

6

64,143

64,143
         

Investment E

20,000

9

112,088

112,088
         

Investment F

20,000

12

192,926

192,926

Total

   

320,714

Total     320,714 Total 405,279

Total

Total
Total     320,714 Total 405,279
Total     320,714 Total 405,279

405,279

405,279

Investor B yields better return through diversification of assets.

3. Dollar Cost Averaging (DCA)

3. Dollar Cost Averaging (DCA) AIA confidential and proprietary information. Not for distribution. 10

DCA reduces the risk to time the market

DCA reduces the risk to time the market The Power of Dollar Cost Averaging (DCA) Invest

The Power of Dollar Cost Averaging (DCA) Invest a fixed amount of money at regular intervals, you get more units when prices fall, and get less units when prices rise

Year Annual Premium Paid Offer Prices Units (RM) Purchased 1 2,000 1.2 1,666 2 2,000
Year Annual Premium Paid Offer Prices Units (RM) Purchased 1 2,000 1.2 1,666 2 2,000
Year Annual Premium Paid Offer Prices Units (RM) Purchased 1 2,000 1.2 1,666 2 2,000
Year Annual Premium Paid Offer Prices Units (RM) Purchased 1 2,000 1.2 1,666 2 2,000
Year Annual Premium Paid Offer Prices Units (RM) Purchased 1 2,000 1.2 1,666 2 2,000

Year

Annual Premium Paid

Offer Prices

Units

(RM)

Purchased

1

2,000

1.2

1,666

2

2,000

1

2,000

3

2,000

1.5

1,333

4

2,000

1.1

1,818

5

2,000

1.8

1,111

Total

10,000

 

7,928

Average Unit Cost to you over the 5 year period = 10000/7928 = RM1.26

Average price over the 5 year period = RM(1.2+1+1.5+1.1+1.8) / 5 = RM1.32

Through DCA, your average unit cost is usually lower than the average price for the same period. DCA reduces the risk to time the market.

DCA reduces the risk to time the market

DCA reduces the risk to time the market Which investment would you prefer? A or B?

Which investment would you prefer? A or B?

1,700 1,700 1,750 1,800 3.00 1,900 2,100 2.50 2,350 2,700 2.00 3,350 1.50 5,000 1.00
1,700
1,700
1,750
1,800
3.00
1,900
2,100
2.50
2,350
2,700
2.00
3,350
1.50
5,000
1.00
0.50
0.00
7, 150
14,300
10,000
20,000 25,000
0
1
2
3
4
5
6
7
8
9
10
20,000
10,000
14,300
7,150
Unit Price

End Of Year

Fund A

unit price

@RM3

Fund B

unit price

@RM1

Fund A - Total

Fund B - Total 132,900 units @ RM1.00 = RM132,900

24,350 units @ RM3.00 = RM 73,050

DCA works well for funds with high volatility, for example: equity funds or managed funds.

Investors’ reactions during crisis

Investors’ reactions during crisis Not in the market yet • Felt that they are so lucky

Not in the market yet

Felt that they are so lucky and smart.

Want to wait for the lowest entry level – but it never happens.

Already in the market

Panic sell-off – this may be a good strategy to cut further losses if you were to invest directly into stocks and shares!

Stay invested and do nothing. Felt extremely sorry for themselves and felt that this is the end of the world

Stay invested and invest further during crisis. Practising dollar cost averaging method – the right strategy for ILP.

RM

04/29/2004

04/29/2003

04/29/2008

04/29/2006

04/29/2000

04/29/1994

04/29/2007

04/29/1998

04/29/1996

04/29/1999

04/29/2002

04/29/2005

04/29/1997

04/29/1995

04/29/2001

Investor’s reaction during crisis

04/29/1995 04/29/2001 Investor’s reaction during crisis Example of investing into a fund Fund A from Unit

Example of investing into a fund Fund A from Unit Trust Co. P was launched during 93-97 bull run, April 25, 1994. Fund Performance:

1.20 Fund A Monthly Unit Price Movement (Apr 1994 - Sep 2008) 1.00 0.80 0.60
1.20
Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
1.00
0.80
0.60
0.40
0.20
0.00

Investor’s reaction during crisis

Example of investing into a fund

Invest at the peak of market:

Investment Amount:

Units:

March 31, 1997 @ RM0.727 per unit

RM10,000

RM10,000 / RM0.727 = 13,749.48 units

per unit RM10,000 RM10,000 / RM0.727 = 13,749.48 units AIA confidential and proprietary information. Not for

RM

04/29/1994

04/29/1996

04/29/1998

04/29/1997

04/29/2000

04/29/1999

04/29/1995

04/29/2003

04/29/2004

04/29/2002

04/29/2006

04/29/2008

04/29/2007

04/29/2005

04/29/2001

Investor’s reaction during crisis

Example 1 – Panic sell-off 6 months later

during crisis Example 1 – Panic sell-off 6 months later 1.20 Fund A Monthly Unit Price
1.20 Fund A Monthly Unit Price Movement (Apr 1994 - Sep 2008) 1.00 0.80 0.7273
1.20
Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
1.00
0.80
0.7273
@31/3/97
0.60
0.4959
0.40
@30/9/97
0.20
0.00

Fund value upon withdrawal = 13,749.48 units X RM0.4959 = RM6,818.37 Realised a loss of 32%

RM

04/29/2008

04/29/2004

04/29/2006

04/29/2003

04/29/2007

04/29/2000

04/29/2002

04/29/1999

04/29/1998

04/29/2005

04/29/1994

04/29/1996

04/29/1997

04/29/1995

04/29/2001

Investor’s reaction during crisis

Example 2 – Stay Invested

1.20

1.00

0.80

0.60

0.40

0.20

0.00

Fund A Monthly Unit Price Movement (Apr 1994 - Sep 2008)

1.0717

@31/12/07 0.7273 @31/3/97
@31/12/07
0.7273
@31/3/97

Waited for the next cycle to sell off. Fund value withdrawn on 31/12/2007 = 13,749.48 units X RM1.0717 = RM14,735.31 Realised a profit of 47.35%

units X RM 1.0717 = RM14,735.31 Realised a profit of 47.35% AIA confidential and proprietary information.

RM

Apr-04

Apr-03

Apr-94

Apr-06

Apr-08

Apr-00

Apr-96

Apr-98

Apr-99

Apr-07

Apr-02

Apr-97

Apr-05

Apr-95

Apr-01

Investor’s reaction during crisis

Apr-05 Apr-95 Apr-01 Investor’s reaction during crisis Example 3 – Stay invested and Dollar Cost Averaging

Example 3 – Stay invested and Dollar Cost Averaging

1.20 Fund A Monthly Unit Price Movement (Apr 1994 - Sep 2008) 1.0717 209,007 units
1.20
Fund A Monthly Unit Price Movement
(Apr 1994 - Sep 2008)
1.0717
209,007 units
1.00
0.80
0.7273
13,749.48 units
0.60
0.40
0.20
0.00

Investor invested RM10,000 initially at RM0.7273 per unit

Top-up RM10000 every year for the next 10 years from 31/12/97 to 31/12/06

Accumulated units = 209,007 units

Total fund value as at 31/12/07 = RM1.0717 X 209,007 units = RM223,993 Total profit of 103.6%

Capital invested = RM110,000

AIA confidential and proprietary information. Not for distribution.

18

Conclusion

Conclusion • Don’t panic, stay invested • Top Up your investment regularly • Your investment horizon

Don’t panic, stay invested

Top Up your investment regularly

Your investment horizon should be medium to long term (5 – 10 years)

What are the investment-linked funds available in AIA ?

What are the investment-lin ked funds available in AIA ? Fund Target Asset Allocation Launch Date

Fund

Target Asset Allocation

Launch Date

Equities %

Fixed Income Securities %

1. AIA Managed Fund

80

20

Dec 20, 1999

2. AIA Equity Fund

100

0

3. AIA Fixed Income Fund

0

100

4. AIA Dana Progresif

80

- Islamic

20 - Islamic

Mar 1, 2000

5. AIA Medium Cap Fund

95

5

Jul 16, 2001

6. AIA Aggressive Fund

95

5

7. AIA Dana Dinamik

95

- Islamic

5 - Islamic

What are the investment-linked funds available in AIA ?

What are the investment-lin ked funds available in AIA ? Fund Target Asset Allocation Launch Date

Fund

Target Asset Allocation

Launch Date

Equities %

Fixed Income Securities %

8. AIA New Horizon Fund

50

– Malaysia

0

Aug 16, 2004

50

– Foreign

9. AIA Asia Platinum Fund

100

– Foreign

0

Apr 27, 2006

10. AIA International Small Cap Fund

100

– Foreign

0

Dec 13, 2006

11. AIA Eleven Plus Fund

100

– Foreign

0

Sept 17, 2007

12. AIA Dana Bon

0

100

July 22, 2008

13. AIA Asia Opportunity Fund

100

- Foreign

0

March 30, 2009

Cap Fund

Fund

Plus Fund

Fund

Dinamik Cap Fund Fund

Income Fund

Fund

Horizon Fund

Fund

Progresif

Fixed Deposit

Bon

AIA Dana

Opportunity

Platinum

Managed

AIA Equity

Aggressive

AIA Dana AIA

Small

AIA Dana

Medium

AIA Eleven

AIA Fixed

AIA New

AIA

AIA Asia

AIA

International

AIA Asia

AIA

AIA Fund’s Performance vs. Fixed Deposit Interest Rate

Comparison based on a 1-year Annualized Return as at Dec 31, 2010

based on a 1-year Annualized Return as at Dec 31, 2010 35% 30% 25% 20% 15%

35%

30%

25%

20%

15%

10%

5%

0%

Lumpsum Basis

28.99% 28.14% 21.46% 16.16% 13.94% 10.11% 8.87% 7.94% 7.38% 6.40% 4.36% 2.81% 0.83% 1.14%
28.99% 28.14%
21.46%
16.16%
13.94%
10.11%
8.87%
7.94%
7.38%
6.40%
4.36%
2.81%
0.83%
1.14%

Source: AIA & BNM

Fixed Income Fund AIA

Cap Fund AIA Medium Fund

Equity Fund AIA AIA

AIA Managed Fund

Fund

Dana Dinamik AIA

Dana Progresif

Fixed Deposit

New Horizon AIA

AIA Aggressive

AIA Fund’s Performance vs. Fixed Deposit Interest Rate

Comparison based on a 5-year Annualized Return as at Dec 31, 2010

based on a 5-year Annualized Return as at Dec 31, 2010 18% 16% 14% 12% 10%

18%

16%

14%

12%

10%

8%

6%

4%

2%

0%

Lumpsum Basis

16.80% 16.49% 15.91% 11.12% 10.88% 9.99% 8.50% 5.28% 3.30%
16.80%
16.49%
15.91%
11.12%
10.88%
9.99%
8.50%
5.28%
3.30%

Source: AIA & BNM

AIA Fund’s Performance – Dollar-Cost-Averaging Equity Fund

Fund’s Performance – Dollar-Cost-Averaging Equity Fund 5 years Since Launch AIA Equity Fund Dec 2005 -

5 years

Since

Launch

AIA Equity Fund Dec 2005 - Dec 2010

Unit Price (RM) 2 1.8 1.646 1.6 1.4 1.2 1.006 1 0.8 0.6 0.4 Payment
Unit Price (RM)
2
1.8
1.646
1.6
1.4
1.2
1.006
1
0.8
0.6
0.4
Payment
Investment
Duration
No. of
Total
Total Investment
Investment
Mode
Period
Payments
Capital Outlay
Value @ Dec 2010
Return/Yield
(years)
(times)
(RM)
(RM)
p.a.
Monthly
Jan 06 ~ Dec 10
5.00
60
6,000
7,426.86
7.67%
Jan-06
Mar-06
May-06
Jul-06
Sep- Nov-06
06 Jan-07
Mar-07
May-07
Jul-07
Sep-07
Nov-07
Jan-08
Mar-08
May-08
Jul-08
Sep-08
Nov-08
Jan-09
Mar-09
May-09
Jul-09
Sep-09
Nov-09
Jan-10
Mar-10
May-10
Jul-10
Sep-10
Nov-10

AIA Equity Fund Since Inception: Dec 1999 - Dec 2010

Unit Price (RM) 2 1.8 1.606 1.6 1.4 1.2 1 1.08 1 0.8 0.6 0.4
Unit Price (RM)
2
1.8
1.606
1.6
1.4
1.2
1
1.08
1
0.8
0.6
0.4
Dec-99
Apr-00
Aug-00
Dec-00
Apr-01
Aug-01
Dec-01
Apr-02
Aug-02
Dec-02
Apr-03
Aug-03
Dec-03
Apr-04
Aug-04
Dec-04
Apr-05
Aug-05
Dec-05
Apr-06
Aug-06
Dec-06
Apr-07
Aug-07
Dec-07
Apr-08
Aug-08
Dec-08
Apr-09
Aug-09
Dec-09
Apr-10
Aug-10
Dec-10

Mode

Period

 

Payments

Capital Outlay

Value @ Dec 2010

Return/Yield

   

(years)

(times)

(RM)

(RM)

p.a.

Monthly

Dec 99 ~ Dec 10

11.09

133

13,300

21,665.59

8.48%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Managed Fund

5 years

AIA Managed Fund Dec 2005 - Dec 2010

Unit Price (RM) 2 1.692 1.8 1.6 1.4 1.049 1.2 1 0.8 0.6 0.4 Dec-05
Unit Price (RM)
2
1.692
1.8
1.6
1.4
1.049
1.2
1
0.8
0.6
0.4
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total Investment
Payment Investment Duration No. of Total Investment Mode Period Payments Capital Outlay Return/Yield (years)
Payment
Investment
Duration
No. of
Total
Investment
Mode
Period
Payments
Capital Outlay
Return/Yield
(years)
(times)
(RM)
Total Investment
Value @ Dec 2010
(RM)
p.a.
Monthly
Jan 06 ~ Dec 10
5.00
60
6,000
7,391.74
7.49%
AIA Managed Fund
Since Inception: Dec 1999 - Dec 2010
Unit Price (RM)
2
1.8
1.692
1.6
1.4
1.2
Since
1
1
0.8
0.6
Launch
0.4
Payment
Investment
Duration
No. of
Investment
Mode
Period
Payments
Return/Yield
(years)
(times)
Total
Capital Outlay
(RM)
Total Investment
Value @ Dec 2010
(RM)
p.a.
Monthly
Dec 99 ~ Dec 10
11.09
133
13,300
21,013.39
7.96%
Dec-99
Apr-00
Aug-00
Dec-00
Apr-01
Aug-01
Dec-01
Apr-02
Aug-02
Dec-02
Apr-03
Aug-03
Dec-03
Apr-04
Aug-04
Dec-04
Apr-05
Aug-05
Dec-05
Apr-06
Aug-06
Dec-06
Apr-07
Aug-07
Dec-07
Apr-08
Aug-08
Dec-08
Apr-09
Aug-09
Dec-09
Apr-10
Aug-10
Dec-10

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Dana Progressive Fund

5 years

AIA Dana Progresif Dec 2005 - Dec 2010

Unit Price (RM) 2 1.735 1.8 1.6 1.4 1.043 1.2 1 0.8 0.6 0.4 Dec-05
Unit Price (RM)
2
1.735
1.8
1.6
1.4
1.043
1.2
1
0.8
0.6
0.4
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
De c-0
7 Apr-08
Feb-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
De c-0
9 Apr-10
Feb-10
Jun-10
Aug-10
Oct-10
Dec-10
De c-0 9 Apr-10 Feb-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payment

Return/Yield

 

(years)

(times)

p.a.

Monthly

Jan 06 ~ Dec 10

5.00

60

6,000

7,288.88

6.94%

Since

Launch

AIA Dana Progresif Since Inception: Feb 2000 - Dec 2010

Unit Price (RM) 2 1.767 1.8 1.6 1.4 1.131 1.2 1 1 0.8 0.6 0.4
Unit Price (RM)
2
1.767
1.8
1.6
1.4
1.131
1.2
1
1
0.8
0.6
0.4
Feb-00
Jun-00
Oct-00
Feb-01
Jun-01
Oct-01
Feb-02
Jun-02
Oct-02
Feb-03
Jun-03
Oct-03
Feb-04
Jun-04
Oct-04
Feb-05
Jun-05
Oct-05
Feb-06
Jun-06
Oct-06
Feb-07
Jun-07
Oct-07
Feb-08
Jun-08
Oct-08
Feb-09
Jun-09
Oct-09
Feb-10
Jun-10
Oct-10

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payment

Return/Yield

 

(years)

(times)

p.a.

Monthly

Feb 00 ~ Dec 10

10.93

131

13,100

21,356.63

8.62%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Fixed Income Fund

5 years

AIA Fixed Income Fund Dec 2005 - Dec 2010

Unit Price (RM) 2.4 2.2 1.895 2 1.8 1.465 1.6 1.4 1.2 1 0.8 Dec-05
Unit Price (RM)
2.4
2.2
1.895
2
1.8
1.465
1.6
1.4
1.2
1
0.8
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total

Total Investment

Investment

Mode

Period

 

Payments

Capital Outlay

Value @ Dec 2010

Return/Yield

   

(years)

(times)

(RM)

(RM)

p.a.

Monthly

Jan 06 ~ Dec 10

5.00

60

6,000

6,873.26

4.64%

Since

Launch

AIA Fixed Income Fund Since Inception: Feb 2000 - Dec 2010 Unit Price (RM) 2.4
AIA Fixed Income Fund
Since Inception: Feb 2000 - Dec 2010
Unit Price (RM)
2.4
2.2
1.891
2
1.8
1.6
1.386
1.4
1.2
1
1
0.8
Feb-00
Jun-00
Oct-00
Feb-01
Jun-01
Oct-01
Feb-02
Jun-02
Oct-02
Feb-03
Jun-03
Oct-03
Feb-04
Jun-04
Oct-04
Feb-05
Jun-05
Oct-05
Feb-06
Jun-06
Oct-06
Feb-07
Jun-07
Oct-07
Feb-08
Jun-08
Oct-08
Feb-09
Jun-09
Oct-09
Feb-10
Jun-10
Oct-10

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

Feb 00 ~ Dec 10

10.93

131

13,100

17,874.99

5.54%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Aggressive Fund

5 years

AIA Aggressive Fund Dec 2005 - Dec 2010

Unit Price (RM) 3.200 2.878 2.800 2.400 2.000 1.324 1.600 1.200 0.800 0.400 Dec-05 Feb-06
Unit Price (RM)
3.200
2.878
2.800
2.400
2.000
1.324
1.600
1.200
0.800
0.400
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Jan 06 ~ Dec 10

5.00

60

6,000

9,143.24

14.02%

Since

Launch

AIA Aggressive Fund Since Inception: Jul 2001 - Dec 2010 Unit Price (RM) 3.2 2.878
AIA Aggressive Fund
Since Inception: Jul 2001 - Dec 2010
Unit Price (RM)
3.2
2.878
2.8
2.4
2
1.4
1.6
1
1.2
0.8
0.4
Jul-01
Nov-01
Mar-02
Jul-02
Nov-02
Mar-03
Jul-03
Nov-03
Mar-04
Jul-04
Nov-04
Mar-05
Jul-05
Nov-05
Mar-06
Jul-06
Nov- Mar-07
06 Jul-07
Nov-07
Mar-08
Jul-08
Nov-08
Mar-09
Jul-09
Nov-09
Mar-10
Jul-10
Nov-10

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Jul 01 ~ Dec 10

9.47

115

11,500

22,497.03

13.47%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Dana Dinamik

5 years

AIA Dana Dinamik Dec 2005 - Dec 2010

Unit Price (RM) 2.800 2.417 2.400 2.000 1.600 1.155 1.200 0.800 0.400 De c-05 Feb-06
Unit Price (RM)
2.800
2.417
2.400
2.000
1.600
1.155
1.200
0.800
0.400
De c-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
De c-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
De c-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct- Dec-10
10
De c-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct- Dec-10 10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

Jan 06 ~ Dec 10

5.00

60

6,000

8,721.09

14.02%

Since

Launch

AIA Dana Dinamik Since Inception: Jul 2001 - Dec 2010

Unit Price (RM) 2.8 2.417 2.4 2 1.6 1.224 1 1.2 0.8 0.4 Jul-01 Nov-01
Unit Price (RM)
2.8
2.417
2.4
2
1.6
1.224
1
1.2
0.8
0.4
Jul-01
Nov-01
Mar-02
Jul-02
Nov-02
Mar-03
Jul-03
Nov-03
Mar-04
Jul-04
Nov-04
Mar-05
Jul-05
Nov-05
Mar-06
Jul-06
Nov-06
Mar-07
Jul-07
Nov-07
Mar-08
Jul-08
Nov-08
Mar-09
Jul-09
Nov-09
Mar-10
Jul-10
Nov-10

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Jul 01 ~ Dec 10

9.47

115

11,500

21,020.45

12.13%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Mid Cap Fund

5 years

AIA Medium Cap. Fund Dec 2005 - Dec 2010

Unit Price (RM) 2.800 2.482 2.400 2.000 1.600 1.157 1.200 0.800 0.400 Dec-05 Feb-06 Apr-06
Unit Price (RM)
2.800
2.482
2.400
2.000
1.600
1.157
1.200
0.800
0.400
Dec-05
Feb-06
Apr-06
Jun-06
Aug-06
Oct-06
De c-0
Feb-07
6 Jun-07
Apr-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-
De 09 Feb-10 c-0
9 Jun-10
Apr-10
Aug-10
Oct-10
Dec-10
De 09 Feb-10 c-0 9 Jun-10 Apr-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

Jan 06 ~ Dec 10

5.00

60

6,000

9,056.50

15.53%

Since

Launch

AIA Medium Cap. Fund Since Inception: Jul 2001 - Dec 2010

Unit Price (RM) 2.8 2.482 2.4 2 1.6 1.244 1 1.2 0.8 0.4 Jul-01 Dec-01
Unit Price (RM)
2.8
2.482
2.4
2
1.6
1.244
1
1.2
0.8
0.4
Jul-01
Dec-01
May-02
Oct-02
Mar-03
Aug-03
Jan-04
Jun-04
Nov-04
Apr-05
Sep-05
Feb-06
Jul-06
Dec-06
May-07
Oct-07
Mar-08
Aug-08
Jan-09
Jun-09
Nov-09
Apr-10
Sep-10

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

Jul 01 ~ Dec 10

9.47

115

11,500

21,105.40

12.21%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging New Horizon Fund

5 years

Since

Launch

AIA New Horizon Fund Dec 2005 - Dec 2010

Unit Price (RM) 2 1.8 1.528 1.6 1.4 1.2 1.016 1 0.8 0.6 0.4 Payment
Unit Price (RM)
2
1.8
1.528
1.6
1.4
1.2
1.016
1
0.8
0.6
0.4
Payment
Investment
Duration
No. of
Total
Investment
Mode
Period
Payments
Capital Outlay
Return/Yield
(years)
(times)
(RM)
Total Investment
Value @ Dec 2010
(RM)
p.a.
Monthly
Jan 06 ~ Dec 10
5.00
60
6,000
7,063.28
5.70%
De c-0
5 Apr-06
Feb-06
Jun-06
Aug-06
Oct- De 06 c-0 Feb-07
6 Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
De c-0
9 Apr-10
Feb-10
Jun-10
Aug-10
Oct-10
De c-1 0

AIA New Horizon Fund Since Inception: Aug 2004 - Dec 2010

Unit Price (RM) 2 1.8 1.528 1.6 1.331 1.4 1.2 1 1 0.8 0.6 0.4
Unit Price (RM)
2
1.8
1.528
1.6
1.331
1.4
1.2
1
1
0.8
0.6
0.4
Aug-04
Nov-04
Feb-05
May-05
Aug-05
Nov-05
Feb-06
May-06
Aug-06
Nov-06
Feb-07
May-07
Aug-07
Nov-07
Feb-08
May-08
Aug-08
Nov-08
Feb-09
May-09
Aug-09
Nov-09
Feb-10
May-10
Aug-10
Nov-10
May-09 Aug-09 Nov-09 Feb-10 May-10 Aug-10 Nov-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

Aug 04 ~ Dec 10

6.42

77

7,700

9,571.55

6.69%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Asia Platinum Fund AIAAsia Platinum Fund Since Inception: April 2006
AIA Fund’s Performance – Dollar-Cost-Averaging
Asia Platinum Fund
AIAAsia Platinum Fund
Since Inception: April 2006 - Dec 2010
Unit Price (RM)
Since
1.3
1.1
Launch
0.9
0.607
0.7
0.5
0.5
0.3
0.1
Apr-06
Jun-06
Aug-06
Oct-06
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Capital Outlay

Return/Yield

 

(years)

(times)

(RM)

p.a.

Monthly

April 06 ~ Dec 10

4.76

57

5,700

6,332.31

4.37%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging International Small Cap Fund

Since

Launch

AIA International Small Cap Fund Since Inception: Dec 2006 - Dec 2010 Unit Price (RM)
AIA International Small Cap Fund
Since Inception: Dec 2006 - Dec 2010
Unit Price (RM)
0.7
0.5
0.435
0.5
0.3
0.1
Dec-06
Feb-07
Apr-07
Jun-07
Aug-07
Oct-07
Dec-07
Feb-08
Apr-08
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total Capital

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Dec 06 ~ Dec 10

4.09

49

4,900

5,334.64

4.11%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Eleven Plus Fund

Since

Launch

AIA Eleven Plus Fund Since Inception: Sep 2007 - Dec 2010

Unit Price (RM) 1 0.8 0.534 0.6 0.5 0.4 0.2 Sep-07 Nov-07 Jan-08 Mar-08 May-08
Unit Price (RM)
1
0.8
0.534
0.6
0.5
0.4
0.2
Sep-07
Nov-07
Jan-08
Mar-08
May-08
Jul-08
Sep-08
Nov-08
Jan-09
Mar-09
May-09
Jul-09
Sep-09
Nov-09
Jan-10
Mar-10
May-10
Jul-10
Sep-10
Nov-10
Nov-09 Jan-10 Mar-10 May-10 Jul-10 Sep-10 Nov-10 Payment Investment Duration No. of Total

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Sep 07 ~ Dec 10

3.34

40

4,000

4,606.98

8.43%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Dana Bon

Since

Launch

AIA Dana Bon Since Inception: Jun 2008 - Dec 2010

Unit Price (RM) 0.9 0.7 0.551 0.5 0.5 0.3 0.1 Jun-08 Aug-08 Oct-08 Dec-08 Feb-09
Unit Price (RM)
0.9
0.7
0.551
0.5
0.5
0.3
0.1
Jun-08
Aug-08
Oct-08
Dec-08
Feb-09
Apr-09
Jun-09
Aug-09
Oct-09
Dec-09
Feb-10
Apr-10
Jun-10
Aug-10
Oct-10
Dec-10
Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Payment Investment Duration No. of Total Capital

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Jun 08 ~ Dec 10

2.59

31

3,100

3,262.17

3.87%

Source: AIA

AIA Fund’s Performance – Dollar-Cost-Averaging Asia Opportunity Fund

Since

Launch

Apr-09 Jun-09 Aug-09 Oct-09 Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10

Asia Opportunity Fund Since Inception: April 2009 - Dec 2010

Unit Price (RM) 0.8 0.61 0.6 0.5 0.4 0.2
Unit Price (RM)
0.8
0.61
0.6
0.5
0.4
0.2
- Dec 2010 Unit Price (RM) 0.8 0.61 0.6 0.5 0.4 0.2 Payment Investment Duration No.

Payment

Investment

Duration

No. of

Total Capital Outlay (RM)

Total Investment Value @ Dec 2010 (RM)

Investment

Mode

Period

Payments

Return/Yield

 

(years)

(times)

p.a.

Monthly

Apr 09 ~ Dec 10

1.76

21

2,100

2,386.18

14.66%

Source: AIA

Investment-linked Plans - Needs-based Selling

Protection

AIA Assurance Account CLR MCLR WPUL A Lady/A Elite Lady FC/FCP EPB EPA ECP+MCP

Retirement

AIA Retirement Account

Wealth

Accumulation

Single Premium ILP plans Ad Hoc Top Up Schedule Top Up

Savings/Education

Medical/Health

AIA Education Account EPB

ILP Product Packaging AMA AFA AHA All-in-one

Product Packaging • AMA • AFA • AHA • All-in-one AIA confidential and proprietary information. Not

Packaged Plans for Single Need

Packaged Plans for Single Need AMA AHA AFA For customers who look for comprehensive medical protection.
Packaged Plans for Single Need AMA AHA AFA For customers who look for comprehensive medical protection.
AMA
AMA
AHA
AHA
AFA
AFA

For customers who look for comprehensive medical protection.

For customers who seek for protection against critical illnesses.

For lady customers who seek for protection against female illnesses and maternity protection.

AIA confidential and proprietary information. Not for distribution.

3838

Packaged Plans for Single Need

Packaged Plans for Single Need AMA For customers who look for comprehensive medical protection. AIA confidential
Packaged Plans for Single Need AMA For customers who look for comprehensive medical protection. AIA confidential

AMA

For customers who look for comprehensive medical protection.

AIA confidential and proprietary information. Not for distribution.

3939

Solutions to Your Medical Needs

Solutions to Your Medical Needs AIA Medical Account (AAA + ECP+MCP) – A comprehensive 4-in-1 medical

AIA Medical Account (AAA + ECP+MCP) – A comprehensive 4-in-1 medical plan covers you up to age 100.

comprehensive 4-in-1 medical plan covers you up to age 100. 1 Life /TPD Protection to Age
1
1

Life /TPD Protection to Age 100

covers you up to age 100. 1 Life /TPD Protection to Age 100 2 Medical Coverage
2
2

Medical Coverage to Age 100

/TPD Protection to Age 100 2 Medical Coverage to Age 100 3 Potential Investment Return Premium
3
3

Potential Investment Return

Premium

(RM) 15,000 12,000 9,000 6,000 3,000 0 0 10 20 30 40 50 60 70
(RM)
15,000
12,000
9,000
6,000
3,000
0
0
10
20
30
40
50
60
70
80
90
4
Level Premium

AMA

Age

People are living a longer life but we cannot avoid ourselves from being sick one day in future.

When you are young and healthy…

sick one day in future. When you are young and healthy… Of course, you are confident

Of course, you are confident to say:

I am young, strong and healthy.

I don’t see a need for medical & health insurance plan.

But what if you are old and sick or unhealthy at young age?

But what if you are old and sick or unhealthy at young age? You will start

You will start to worry the followings:

Do I have sufficient fund for medical fees?

Will I become the burden of my family?

AIA confidential and proprietary information. Not for distribution.

Malaysian Life Expectancy at birth

Gender

Gender

Average Life Expectancy

Average Life Expectancy

2005

2005

2006

2006

2007

2007

2008

2008

e

e

Male

Male

71.4

71.4

71.5

71.5

71.5

71.5

71.6

71.6

Female

Female

76.2

76.2

76.3

76.3

76.3

76.3

76.4

76.4

Source: Department of Statistics, Malaysia

Medical cost is escalating!

Across the world, the increases in doctors’ bills are outpacing the general inflation rate each year.

Global medical inflation averages about 10% each year.

In Malaysia, medical inflation is estimated to be around 15% each year.

Source: The Star newspaper, 14 March 2009

4040

AIA Medical Account (AMA)

The ONLY Medical Plan that covers you up to age 100 with NO LIFETIME LIMIT!!!

that covers you up to age 100 with NO LIFETIME LIMIT !!!     MALE  
   

MALE

   

FEMALE

 

Age

Monthly

Benefits

Account Value at age 80

Monthly

Benefits

Account Value at age 80

       

Premium

Death/ TPD

R&B

Premium

Death/ TPD

R&B

0

300

80,000

 

1,617,300

300

80,000

 

1,622,100

5

300

80,000

1,298,400

300

80,000

1,272,100

10

300

70,000

1,034,700

300

70,000

1,002,400

15

300

70,000

810,500

300

70,000

773,500

20

300

40,000

646,600

300

40,000

606,600

25

300

40,000

150

479,700

300

40,000

150

444,700

30

300

30,000

354,100

300

30,000

324,600

35

300

30,000

239,400

300

30,000

212,600

40

300

15,000

164,200

300

15,000

142,900

45

300

15,000

91,300

300

15,000

74,100

50

300

15,000

33,600

300

15,000

21,700

Notes:

1. The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming the plan is sustainable to age 80 and the Insured is non-smoker.

2.

3. The values shown in the table above are extracted from sales illustration Version ILS 1.52

4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium.

The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.

4141 From RM300/month
4141
From
RM300/month

For more details, please call our Financial Planner at

AIA confidential and proprietary information. Not for distribution.

Packaged Plans for Single Need

Packaged Plans for Single Need AHA For customers who seek for protection against critical illnesses. AIA
Packaged Plans for Single Need AHA For customers who seek for protection against critical illnesses. AIA

AHA

For customers who seek for protection against critical illnesses.

AIA confidential and proprietary information. Not for distribution.

4242

PROTECTION AGAINST CRITICAL ILLNESSES

PROTECTION AGAINST CRITICAL ILLNESSES Major causes which escalate the in cidents of critical illnesses: 1. Work

Major causes which escalate the incidents of critical illnesses:

1. Work pressure

the in cidents of critical illnesses: 1. Work pressure 2. Unbalanced diet 3. Unhealthy lifestyle 4.

2. Unbalanced diet

of critical illnesses: 1. Work pressure 2. Unbalanced diet 3. Unhealthy lifestyle 4. Lack of exercise

3. Unhealthy lifestyle

1. Work pressure 2. Unbalanced diet 3. Unhealthy lifestyle 4. Lack of exercise 5. Environment Pollution

4. Lack of exercise

Unbalanced diet 3. Unhealthy lifestyle 4. Lack of exercise 5. Environment Pollution • Critical Illness is

5. Environment Pollution

lifestyle 4. Lack of exercise 5. Environment Pollution • Critical Illness is becoming a very serious

Critical Illness is becoming a very serious health concern.

Critical Illness is becoming a very serious health concern. 1. Cardiovascular di sease (stroke, heart attack,
Critical Illness is becoming a very serious health concern. 1. Cardiovascular di sease (stroke, heart attack,
Critical Illness is becoming a very serious health concern. 1. Cardiovascular di sease (stroke, heart attack,

1. Cardiovascular disease (stroke, heart attack, etc) is the leading cause of death in the world

2. Population ageing is contributing to the rise in cancer and heart disease

3. Lung cancer is the most common cause of death from cancer in the world

Source: WHO – http://www.who.int/features/factfiles/global_burden/en/

AIA confidential and proprietary information. Not for distribution.

The expensive medical expenses are a burden to a lot of people.

AHA covers you comprehensive critical illnesses coverage as follows:

you comprehensive critical illnesses coverage as follows: Covers 36 Critical Illnesses No surviving period required

Covers 36 Critical Illnesses

illnesses coverage as follows: Covers 36 Critical Illnesses No surviving period required Coverage up to age

No surviving period required

illnesses coverage as follows: Covers 36 Critical Illnesses No surviving period required Coverage up to age

Coverage up to age 100

4343

1
1
1 AIA Health Account (AHA) AIA Health Account (AAA + CLR + WPUL) Life /TPD Protection

AIA Health Account (AHA)

AIA Health Account (AAA + CLR + WPUL)

Health Account (AHA) AIA Health Account (AAA + CLR + WPUL) Life /TPD Protection to Age
Health Account (AHA) AIA Health Account (AAA + CLR + WPUL) Life /TPD Protection to Age
Health Account (AHA) AIA Health Account (AAA + CLR + WPUL) Life /TPD Protection to Age
Health Account (AHA) AIA Health Account (AAA + CLR + WPUL) Life /TPD Protection to Age

Life /TPD Protection to Age 100

2
2

Critical Illness

Coverage

3
3

Waiver of Premium

4
4

Potential Investment Return

   

Male

Male

 

Female

Female

Age

Age

 

Benefits

Benefits

Account

Account

   

Benefits

Benefits

Account

Account

 

Death /

Death /

TPD

TPD

Critical

Critical

Waiver of

Waiver of

Premium

Premium

Value @

Value @

age 80

age 80

Monthly

Monthly

Premium

Premium

Death /

Death /

TPD

TPD

Critical

Critical

Waiver of

Waiver of

Premium

Premium

Value @

Value @

age 80

age 80

Monthly

Monthly

Premium

Premium

20

20

100,000

100,000

100,000

100,000

1,800

3,600

637,100

743,800

150

300

100,000

100,000

100,000

100,000

1,800

3,600

633,700

708,600

150

300

25

25

100,000

100,000

100,000

100,000

1,800

3,600

425,300

457,600

150

300

100,000

100,000

100,000

100,000

1,800

3,600

395,200

454,700

150

300

30

30

100,000

100,000

100,000

100,000

1,800

3,600

310,600

201,200

150

300

100,000

100,000

100,000

100,000

1,800

3,600

176,200

308,400

150

300

35

35

100,000

100,000

100,000

100,000

3,600

2,400

176,500

189,700

300

200

100,000

100,000

100,000

100,000

3,600

2,400

160,700

188,900

300

200

40

40

100,000

100,000

100,000

100,000

3,000

3,600

90,600

112,500

300

250

100,000

100,000

100,000

100,000

3,000

3,600

93,800

110,000

300

250

45

45

100,000

100,000

100,000

100,000

3,600

3,600

11,700

40,000

300

300

100,000

100,000

100,000

100,000

3,600

3,600

19,400

50,100

300

300

Notes:

1. The cash values shown above are on projection basis on medium return which invested in 50% Fixed Income Fund and 50% Asia Opportunity Fund. Assuming the plan is sustainable to age 80 and the Insured is non-smoker.

2.

3. The values shown in the table above are extracted from sales illustration Version ILS 1.52

4. Monthly premium consists of RM200 Regular Premium and RM100 Scheduled Top Up Premium

The Monthly Premium that you required to pay may vary from the tables above due to choice of fund(s), medical loading, sex, age, sustainability, etc.

4444 From RM300/month
4444
From
RM300/month

For more details, please call our Financial Planner at

AIA confidential and proprietary information. Not for distribution.

Packaged Plans for Single Need

Packaged Plans for Single Need AFA For lady customers who seek for protection against female illnesses
AFA
AFA

For lady customers who seek for protection against female illnesses and maternity protection.

AIA confidential and proprietary information. Not for distribution.

4545

AFA – LADIES’ BEST COMPANION

AFA – LADIES’ BEST COMPANION Ladies are blessed with multiple roles in life. Lady Executive Mother

Ladies are blessed with multiple roles in life.

COMPANION Ladies are blessed with multiple roles in life. Lady Executive Mother Daughter Wife/ Companion AFA
COMPANION Ladies are blessed with multiple roles in life. Lady Executive Mother Daughter Wife/ Companion AFA

Lady

Executive

Mother

Daughter Wife/ Companion
Daughter
Wife/
Companion
in life. Lady Executive Mother Daughter Wife/ Companion AFA provides the best and comprehensive female protection
in life. Lady Executive Mother Daughter Wife/ Companion AFA provides the best and comprehensive female protection

AFA provides the best and comprehensive female protection inclusive of:

1. 200% of the sum assured for female cancer.

2. Lump sum payment for Breast Reconstructive Surgery Benefit.

3. Lady Care Services – free referral when you need household and automobile assistance.

4. Maternity Benefits

Ladies are at the higher risk to various dreaded illnesses due to hectic lifestyles.

1. Breast Cancer is the most common cancer in female age range from 40-60 in Malaysia.