Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Country of Residence

:
:

SGD
-

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

PLAN SUMMARY
Plan/Rider

Premium ($)

Coverage ($)

Plan Short
Name

Product
Summary
Version

71.10

10,000.00

CR25RBR9

2.0 Jun 2014

4.00

50,000.00

P5STN8

2.3 Aug 2013

Plan
AIA SmartRewards Saver (II) 25
Rider
AIA Secure Term Plus Rider with TPD - 5 Year R&C

Annually

Semi-Annually

Quarterly

Monthly

Basic Premium

$817.00

$424.80

$220.60

$71.10

Total Premium (Basic plus All Riders)

$861.00

$447.80

$232.10

$75.10

Introduction
AIA Singapore Private Limited (AIA Singapore) believes that it is important that you fully appreciate the benefits of your policy. You should also
understand how the cost of your insurance cover and the expenses of administration and sales affect the benefits that you will receive.

The illustration that follows shows how the value of your policy progresses over time and the sum(s) that would be payable. The methods
used to derive the values shown follow guidelines established by the Life Insurance Association, Singapore, to ensure that a fair and consistent
approach is used in preparing this illustration.

Please note that your policy provides a combination of (1) guaranteed benefits and (2) non-guaranteed benefits in the form of bonuses / dividends.
The bonus rates / dividend scales used in this illustration are not guaranteed and may vary according to the performance of the Participating Fund.

Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value
payable may be less than the total premiums paid.

If you need clarification, please do not hesitate to ask your AIA Financial Services Consultant / Insurance Representative.

This Benefit Illustration applies to standard lives only.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

{{{S22D12A

Page 1 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

Total Basic
Premiums
Paid To-date ($)
817
1,634
2,451
3,268
4,085
4,902
5,719
6,536
7,353
8,170
12,255
16,340
20,425

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

BENEFIT ILLUSTRATION FOR BASIC PLAN

Guaranteed ($)
10,000
10,000
10,500
11,000
11,500
12,000
12,500
13,000
13,500
14,000
16,500
19,000
21,500

DEATH BENEFIT

Projected
at 3.25% Investment return Projected

at 4.75% Investment

return
Non Guaranteed($)
Total ($) Non Guaranteed($)
Total ($)
40
10,040
45
10,045
80
10,080
90
10,090
134
10,634
152
10,652
203
11,203
230
11,230
286
11,786
327
11,827
447
12,447
513
12,513
625
13,125
718
13,218
819
13,819
944
13,944
1,031
14,531
1,191
14,691
1,261
15,261
1,460
15,460
3,036
19,536
3,595
20,095
9,490
28,490
11,712
30,712
13,924
35,424
17,268
38,768

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 2 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

25/44

Total Basic
Premiums
Paid To-date ($)
817
1,634
2,451
3,268
4,085
4,902
5,719
6,536
7,353
8,170
12,255
16,340
20,425

20,425

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

Guaranteed ($)
0
500
1,090
1,640
2,160
2,660
3,150
3,650
4,150
4,650
7,130
9,590
12,000

SURRENDER
VALUE




at 3.25% Investment return Projected


Projected
at 4.75% Investment
return
Non Guaranteed($)
Total ($) Non Guaranteed($)
Total ($)
0
0
0
0
0
500
0
500
31
1,121
35
1,125
95
1,735
110
1,750
154
2,314
178
2,338
251
2,911
292
2,952
368
3,518
428
3,578
503
4,153
587
4,237
659
4,809
771
4,921
835
5,485
979
5,629
2,056
9,186
2,435
9,565
6,913
16,503
8,515
18,105
13,924
25,924
17,268
29,268

12,000

Projected Investment Rate of Return

Non-Guaranteed coupon/dividend accumulation rate*

13,924

@3.25%
@2.75%

MATURITY VALUE
25,924

17,268

29,268

@4.75%
@3.25%

* This illustration assumes that coupons are left with AIA Singapore to accumulate interest. This interest rate is not guaranteed and is reviewed
as often as AIA Singapore deems necessary.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 3 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

What is the significance of the Projected Investment Rate of Return?

The illustrations have been prepared on two assumptions regarding the investment rate of return achieved by the investments of the fund. The two
rates 3.25% p.a. and 4.75% p.a. are used purely for illustrative purposes and do not represent upper and lower limits on the investment performance
of the Participating Fund.

The two rates shown are net of any investment expenses. Please refer to the investment expense ratio in the Product Summary, shown for up to the
last 3 years, for an indication of the actual investment expenses incurred in managing the Participating Fund.
The higher rate does not exceed the maximum long-term investment rate of return (currently 4.75%), which has been set by the Life Insurance
Association, Singapore.

Please note that investment performance is not the only factor that will affect the benefits that you will receive. Other factors such as the actual level of
death and disability claims on the fund and the expenses incurred will also have a bearing upon the benefits that you will receive.

As the bonus rates (or dividends) used for the benefits illustrated above are not guaranteed, the actual benefits payable will vary according to the
future experience of the Participating Fund.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 4 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

What is the impact of deductions on what you might get back?

The following table illustrates the effect that deductions will have on the amount you get back on surrender or maturity. It also highlights the cost of
surrendering the policy early.

TABLE OF DEDUCTIONS

End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

Total Basic
Premium Paid
To-date ($)
817
1,634
2,451
3,268
4,085
4,902
5,719
6,536
7,353
8,170
12,255
16,340
20,425

DEDUCTIONS








Projected at 3.25%

Investment return


Projected at 4.75%

Investment return

Value of
Effect of
Value of
Effect of
Premiums Paid
Deductions To- Total Surrender Premiums Paid
Deductions To- Total Surrender
To-date ($)
date ($)
Value ($)
To-date ($)
date ($)
Value ($)
844
844
0
856
856
0
1,715
1,215
500
1,752
1,252
500
2,614
1,493
1,121
2,691
1,566
1,125
3,542
1,807
1,735
3,675
1,925
1,750
4,501
2,187
2,314
4,705
2,367
2,338
5,491
2,579
2,911
5,785
2,833
2,952
6,513
2,995
3,518
6,915
3,337
3,578
7,568
3,415
4,153
8,099
3,862
4,237
8,658
3,849
4,809
9,340
4,419
4,921
9,782
4,297
5,485
10,639
5,010
5,629
15,980
6,793
9,186
18,123
8,559
9,565
23,252
6,749
16,503
27,562
9,457
18,105
31,785
5,861
25,924
39,465
10,197
29,268

What do the columns in the Table of Deductions mean?

1. "Value of Premiums Paid To-date" is obtained by accumulating the premiums paid to-date at the Projected Investment Rate of Return, assuming that
you were able to invest all of your premiums without deduction for the cost of insurance and without incurring any expenses.

2. The difference between the "Value of Premiums Paid To-date" and "Total Surrender Value" represents the "Effect of Deductions To-date". This is the
accumulated value of the deductions for the cost of insurance, distribution cost, expenses, surrender charge, expected tax payments, and
expected transfers to shareholders (for participating policies).

3. Coupons that are withdrawn will reduce the total surrender value. This will then increase the Effect of Deduction To-date values
above.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 5 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

How much are you paying for distribution costs?

This table shows the total costs of distribution that AIA Singapore expects to incur in relation to your policy, including the cost of any financial advice
provided to you.

TOTAL DISTRIBUTION COST

End of Policy Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

Total Basic Premium Paid

To-date ($)

Total Distribution Cost Todate ($)

817
1,634
2,451
3,268
4,085
4,902
5,719
6,536
7,353
8,170
12,255
16,340
20,425

926
1,146
1,197
1,249
1,300
1,352
1,389
1,425
1,462
1,499
1,560
1,683
1,805

What does the last column represent?

1. The Total Distribution Cost To-date is the sum of each year's expected distribution-related costs, without interest. Such costs include cash
payments in the form of commission, costs of benefits and services paid to the distribution channel.

2. Please note that the Total Distribution Cost is not an additional cost to you; it has already been allowed for in calculating your premium.

3. You can obtain the Total Distribution Cost of each of the supplementary benefits (if applicable) from your Financial Adviser or AIA Financial
Services Consultant / Insurance Representative.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 6 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

SUPPLEMENTARY BENEFIT ILLUSTRATION

return
Projected at 3.25%
Investment

Guaranteed
Accumulated

Coupon

Coupon

Total Accumulated
Payout ($)
Payout ($)
Coupons* ($)
0
0
0
500
500
500
500
1,000
1,014
500
1,500
1,542
500
2,000
2,084
500
2,500
2,641
500
3,000
3,214
500
3,500
3,802
500
4,000
4,407
500
4,500
5,028
500
7,000
8,400
500
9,500
12,262
500
12,000
16,684



End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 7 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

SUPPLEMENTARY BENEFIT ILLUSTRATION

return
Projected at 4.75%
Investment

Guaranteed
Accumulated

Coupon

Coupon

Total Accumulated
Payout ($)
Payout ($)
Coupons* ($)
0
0
0
500
500
500
500
1,000
1,016
500
1,500
1,549
500
2,000
2,100
500
2,500
2,668
500
3,000
3,255
500
3,500
3,860
500
4,000
4,486
500
4,500
5,132
500
7,000
8,689
500
9,500
12,864
500
12,000
17,763



End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

*If the Guaranteed Coupon Payout is on Accumulated basis, the Total Accumulated Coupons will include the interest of the Coupon Payout
accumulated at the prevailing accumulation rate. This accumulation rate is not guaranteed and is reviewed as often as AIA Singapore deems
necessary.

Projected Investment Rate of Return
@3.25%
@4.75%
Non-Guaranteed coupons/dividend accumulation rate
@2.75%
@3.25%

If the Guaranteed Coupon Payout is on Paid-Out basis, the Accumulated Coupon Payout will be the Total Coupons paid out to-date.
The Supplementary Benefit Illustrations above are purely for illustrative purposes and do not represent additional coupon payments.

This is only a supplementary benefit illustration and must be read in conjunction with the main benefit illustration.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 8 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

RIDER(S) BENEFIT ILLUSTRATION

End of Policy
Year / Age
1/20
2/21
3/22
4/23
5/24
6/25
7/26
8/27
9/28
10/29
15/34
20/39
25/44

PROJECTION OF VALUES (FOR ILLUSTRATION ONLY)
Riders Annual
Total Riders
Total Distribution Rider Death Benefit($)
Premium ($)
Premium ($)
Cost($)
(Guaranteed)
44
44
44
44
44
47
47
47
47
47
51
57
82

44
88
132
176
220
267
314
361
408
455
708
993
1,403

28
41
45
48
51
54
55
57
58
60
68
78
92

50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000

Please note that the premium rates for all riders are not guaranteed unless otherwise stated in the Product Summary. Riders with non-guaranteed
premium rates may have their rates adjusted based on future experience.
Should you decide to cease premium payment after a revision of premium rates, the benefits provided under this plan will be terminated.

For AIA Secure Term Plus Rider (with & without TPD) 5-Year R&C, please note that the premium rates are guaranteed during the initial policy term of 5
years. The premiums at the time of each subsequent renewal are also shown in this Benefit Illustration based on current renewal rates on attained
age. Such renewal premium rates are not guaranteed.
This illustration is subject to underwriting and the acceptance of the insurance proposal by the Company's reinsurers.
For AIA Secure Term Plus Rider (with TPD), the TPD coverage is up to age 70.
You should note that unless otherwise stated, all riders will automatically terminate, should the basic plan be terminated for any reason.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 9 of 11

Policy No

Life Insured

Lim Zer Yee

Insured's Occupation
Applicant / Owner

:
:

Army - Admin staff involved in outfield

exercise and/ or training
-

Currency
Coupon Option

:
:

SGD
Accumulated

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Smoker
: N
Applicant's / Owner's Age (ALB) / Gender

: -

Premium Frequency

: M - Monthly

Declarations:

1. I acknowledge receipt of all pages of this Benefit Illustration. The AIA Financial Services Consultant / Insurance Representative has explained the
values/ key benefits/ information in the Benefit Illustration to my satisfaction and that I have read and understood its contents.

2. I understand that any non-guaranteed benefits (if any), including where applicable, any bonuses or dividends or projected investment rate of returns,
assumed in the Benefit Illustration are subject to changes and are not guaranteed.

3. I understand that this Benefit Illustration does not form a part of any contract of insurance and is only intended to be an illustrative document.

4. I understand that the contents of this Benefit Illustration may vary from the terms of cover eventually issued and that it is the precise terms and
conditions as appear in the policy contract which will bind the parties.

5. For the purpose of this insurance application, this Benefit Illustration supersedes all previous Benefit Illustrations (if any), which have been
signed by me, and any AIA Financial Services Consultant / Insurance Representative.

6. I have personally signed this Benefit Illustration.

Signature of Life Insured /

ApplicantINSUREDSIGNATURE

Signature
AGENT1SIGNATURE
Prepared By

HOONG PUI KAR

Name

Lim Zer Yee

Date

24-Aug-2014

Date

24-Aug-2014

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

Page 10 of 11

Policy No

Product Summary Cover Page

Life Insured

Lim Zer Yee

Insureds Age Last Birthday (ALB) / Gender : 19 / Male

Applicant / Owner

Applicant's / Owner's Age (ALB) / Gender

: -

Currency

SGD

Premium Frequency

: M - Monthly

Plan/Rider

*Premium ($)

Coverage ($)

Product Summary
Version

No. of Pages

71.10

10,000.00

2.0 Jun 2014

4.00

50,000.00

2.3 Aug 2013

Plan
AIA SmartRewards Saver (II) 25
Rider
AIA Secure Term Plus Rider with TPD - 5 Year R&C

Total

75.10

12

*For details on premiums please refer to the individual product summary for the basic plan/rider.

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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or
www.lia.org.sg or www.sdic.org.sg).

Declarations:
1. I acknowledge receipt of all pages of this Product Summary and Product Highlights Sheet (if applicable). The AIA Financial Services
Consultant / Insurance Representative has explained the values/ key benefits/ information in the Product Summary to my satisfaction and that I
have read and understood its contents.
2. I understand that any non-guaranteed benefits (if any), including where applicable, any bonuses or dividends or projected investment rate of returns,
assumed in the Product Summary are subject to change and are not guaranteed.
3. I understand that this Product Summary does not form a part of any contract of insurance. It is only a simplified description of the product features
and general exclusions and is not exhaustive.
4. I understand that it is the precise terms and conditions as appear in the policy contract which will bind the parties.

5. I have personally signed on this page.

Signature of Life Insured /

ApplicantINSUREDSIGNATURE

Signature
AGENT1SIGNATURE
Prepared By

HOONG PUI KAR

Name

Lim Zer Yee

Date

24-Aug-2014

Date

24-Aug-2014

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
iPoS v1.33.i
E. & O. E.

{{{S23D12A

Page 11 of 11