We are pleased to present Set For Health

Sales Illustration to:

Proposed Insured Name Quotation Reference Number

Mr. JO AARON REYES 9900680700924

Date of Birth Age Sex Premium Payment Frequency

August 25, 1978 40 Male Quarterly

Sum Assured Modal Premium Years to Pay

PHP 500,000 PHP 11,203.00 10

Version 5.5 This Sales Illustration is prepared on October 05, 2018

and valid until January 02, 2019.

Life is full of adventures and, of course, you'd want to be in on all the action. Don't let anything, even multiple critical
illnesses, stop you from living your life to the fullest. Set For Health allows you to celebrate life no matter what comes
your way, keeping you confidently secure when you need protection the most.
Set For Health is with you for the good times and the bad. FWD provides a financial assistance so you
can live worry-free and without hesitations.

How Set For Health works:

Each of your major critical illness claims must belong to a different Major Critical Illness Group (see
groupings on the next page).
Diagnosis of subsequent critical illness should be at least 1 year from the date of diagnosis of the
preceding critical illness.
You will be able to claim for a 2nd benefit under Cancer Group, for as long as you had been declared
Cancer-free at least 5 years prior to the diagnosis of the 2nd Cancer.
No subsequent Major Critical Illness Benefits will be paid if you have already received a benefit due
to Terminal Illness or Loss of Independent Existence.
This Sales Illustration has been created for you.

The terms and conditions applicable to your Policy will be presented in the actual Policy Contract.

Summary of Benefits and Premiums

BENEFIT DESCRIPTION BENEFIT PERIOD BENEFIT AS PERCENTAGE OF SUM BENEFIT AMOUNT
ASSURED /TOTAL PREMIUMS
Major Critical Illness Benefits 35 Years 100% of Sum Assured per claim PHP 500,000.00 per claim; up to 3 claims
Minor Critical Illness Benefit 35 Years 20% of Sum Assured or PHP 500,000, PHP 100,000.00
whichever is lower
Waiver of Premiums Benefit 10 Years Included Included
Death Benefit 35 Years 100% of Sum Assured PHP 500,000.00
Healthy Life Benefit 35 Years 100% of Total Premiums PHP 448,120.00
Annual Premium PHP 40,010.00
The Healthy Life Benefit is payable at the end of the Policy Year upon reaching age 75 if no Major Critical Semi-Annual Premium PHP 21,205.00
Illness Benefit has been paid. Quarterly Premium PHP 11,203.00
Monthly Premium PHP 3,801.00

We may review and adjust the premium accordingly but with prior approval from the Insurance Commission. FWD shall notify you before any such
adjustment.

Table of Premiums and Cash Values

POLICY AGE ANNUALIZED GUARANTEED CASH VALUE POLICY AGE ANNUALIZED GUARANTEED CASH VALUE
(END OF POLICY YEAR) (END OF POLICY YEAR)
YEAR PREMIUM YEAR PREMIUM
With Major Critical Illness Without Major Critical Illness With Major Critical Illness Without Major Critical Illness
claim claim claim claim

1 40 PHP44,812.00 PHP0.00 PHP0.00 11 50 PHP0.00 PHP80,995.00 PHP240,235.00

2 41 PHP44,812.00 PHP1,875.00 PHP5,035.00 12 51 PHP0.00 PHP82,030.00 PHP247,110.00
3 42 PHP44,812.00 PHP15,215.00 PHP44,120.00 13 52 PHP0.00 PHP82,935.00 PHP254,120.00
4 43 PHP44,812.00 PHP23,145.00 PHP67,310.00 14 53 PHP0.00 PHP83,680.00 PHP261,225.00
5 44 PHP44,812.00 PHP31,295.00 PHP91,310.00 15 54 PHP0.00 PHP84,255.00 PHP268,400.00
6 45 PHP44,812.00 PHP39,670.00 PHP116,150.00 16 55 PHP0.00 PHP84,625.00 PHP275,600.00
7 46 PHP44,812.00 PHP48,275.00 PHP141,895.00 17 56 PHP0.00 PHP84,775.00 PHP282,815.00
8 47 PHP44,812.00 PHP57,320.00 PHP168,800.00 18 57 PHP0.00 PHP84,660.00 PHP289,960.00
9 48 PHP44,812.00 PHP68,425.00 PHP200,470.00 19 58 PHP0.00 PHP84,255.00 PHP297,005.00
10 49 PHP44,812.00 PHP79,840.00 PHP233,490.00 20 59 PHP0.00 PHP83,510.00 PHP303,905.00
26 65 PHP0.00 PHP69,550.00 PHP343,355.00 35 74 PHP0.00 PHP0.00 PHP400,100.00

Covering 5 Major Critical Illness Groups

GROUP 1: CANCER (All forms of advanced cancer)
GROUP 2: MAJOR ORGAN FAILURE
Aplastic Anaemia Fulminant Viral Hepatitis Progressive Scleroderma
Chronic Liver Disease Loss of Hearing (Deafness) Renal Failure
Chronic Lung Disease Loss of Sight (Blindness) Terminal Illness
Chronic Recurrent Pancreatitis Major Organ and Bone Marrow Transplant Ulcerative Colitis
Crohn's Disease Medullary Cystic Disease
GROUP 3: HEART AND BLOOD VESSEL
Cardiomyopathy Heart Attack (Myocardial Infarction)
Coronary Artery Disease Primary Pulmonary Arterial Hypertension
Heart Valve Surgery Surgery to Aorta
GROUP 4: NEURO MUSCULAR RELATED
Alzheimer's Disease Coma Muscular Dystrophy
Apallic Syndrome Loss of Indenpendent Existence Paralysis
Benign Brain Tumour Motor Neurone Disease Parkinson's Disease
Multiple Sclerosis Cerebral Aneurism Requiring Surgery Stroke
GROUP 5: OTHERS
Bacterial Meningitis HIV/AIDS due to Blood Transfusion Encephalitis
Loss of Limbs Major Head Trauma with Severe Brain Damage Major Burns
Occupationally-acquired HIV/AIDS Loss of Speech Severe Rheumatoid Arthritis
And 15 Minor Critical Illnesses covering juvenile and adult conditions
JUVENILE CONDITIONS (0-17)
Hemophilia A and Hemophilia B Kawasaki Disease Severe Asthma
Insulin Dependent Diabetes Mellitus Osteogenesis Imperfecta - Type III Systemic Juvenile Idiopathic Arthritis
ADULT CONDITIONS (18 and above)
Angioplasty & Other Invasive Treatments for Coronary Artery Disease
Severe Osteoporosis Diabetic Retinopathy Loss of One (1) Lung
Surgical Removal of Pituitary Tumour Early Stage Cancer Loss of One (1) Limb
Accidental Fracture of Spinal Column Removal of One (1) Kidney

The benefit for a minor critical illness is paid only once, either from an Adult Condition or from a Juvenile Condition.
Situations where benefits are not payable

Benefit payable shall be based on the definitions and conditions of each critical illness set out in the Policy Contract. In
all cases, no Major Critical Illness and/or Minor Critical Illness Benefit claims will be paid if the critical illness results
directly or indirectly, wholly or partly, from any of the following circumstances:

i. Attempted suicide or an intentional self-inflicted act by the Insured

ii. Willful participation in illegal and/or unlawful acts or omissions
iii. Alcohol or drug abuse
iv. Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency
Syndrome (AIDS) and/or any mutations, derivations or variations thereof except HIV/AIDS due to Blood
Transfusion and Occupationally Acquired HIV/AIDS, or
v. War or any act of war (whether declared or not), civil or military insurrection and civil commotion amounting
to a popular uprising.

In the event of Insured's death, no benefits will be paid in case of suicide within the first 2 years while insured is sane.

ACKNOWLEDGEMENTS BY THE OWNER

I acknowledge that by signing below, I signify that I have carefully read and understood the disclosures
and information contained in this Sales Illustration, and that my Financial Wealth Planner has fully
explained to my complete satisfaction the principal features and benefits of this plan. This Sales
Illustration is valid for three (3) months from the date it was prepared and any alteration shall invalidate
this Sales Illustration.

MR JO AARON REYES

DATE ACCEPTED OWNER'S FULL NAME

10001471 Frederick Caldito Guerrero

DATE ACCEPTED CODE & UNIT PRIMARY FINANCIAL WEALTH PLANNER'S FULL NAME

DATE ACCEPTED CODE & UNIT SECONDARY FINANCIAL WEALTH PLANNER'S FULL NAME