Product Flexi-ULife Prime Saver

Tab Scenario
Working Assumption:
1) Measurement Model: GMM
2) Cashflow: New business projection
3) Discount rate method: Bottom up or Top down?
3.1 Risk-free rate curve:
3.2 Liquidity premium:
3.3 Others:
4) Risk adjustment: PAD approach
FIAT Indicator 1_13c 1_13a 1_13b 1_13f 1_RAa
Run Step After operating variance
MP
Assumptions
Data Variable Net CF PV Net CFs PV Net CFs PV Net CFs RA @ BOP
@ BOP rate @ Lock-in @ EIR rate
rate

Variable Time Point T to T+1 T T T T

YYYYMM ("T")
1-Jan-18 0 0 0 0 0
201812 0 0 0 0 0
201912 0 0 0 0 0
202012 0 0 0 0 0
202112 0 0 0 0 0
202212 0 0 0 0 0
202312 0 0 0 0 0
202412 0 0 0 0 0
202512 0 0 0 0 0
202612 0 0 0 0 0
202712 0 0 0 0 0
202812 0 0 0 0 0
202912 0 0 0 0 0
203012 0 0 0 0 0
203112 0 0 0 0 0
203212 0 0 0 0 0
203312 0 0 0 0 0
203412 0 0 0 0 0
203512 0 0 0 0 0
203612 0 0 0 0 0
203712 0 0 0 0 0
203812 0 0 0 0 0
203912 0 0 0 0 0
204012 0 0 0 0 0
204112 0 0 0 0 0
204212 0 0 0 0 0
204312 0 0 0 0 0
204412 0 0 0 0 0
204512 0 0 0 0 0
204612 0 0 0 0 0
204712 0 0 0 0 0
204812 0 0 0 0 0
204912 0 0 0 0 0
205012 0 0 0 0 0
205112 0 0 0 0 0
205212 0 0 0 0 0
205312 0 0 0 0 0
205412 0 0 0 0 0
205512 0 0 0 0 0
205612 0 0 0 0 0
205712 0 0 0 0 0

Information classification: Internal

信息分类: 内部
205812 0 0 0 0 0
205912 0 0 0 0 0
206012 0 0 0 0 0
206112 0 0 0 0 0
206212 0 0 0 0 0
206312 0 0 0 0 0
206412 0 0 0 0 0
206512 0 0 0 0 0
206612 0 0 0 0 0
206712 0 0 0 0 0
206812 0 0 0 0 0
206912 0 0 0 0 0
207012 0 0 0 0 0
207112 0 0 0 0 0
207212 0 0 0 0 0
207312 0 0 0 0 0
207412 0 0 0 0 0
207512 0 0 0 0 0
207612 0 0 0 0 0
207712 0 0 0 0 0
207812 0 0 0 0 0
207912 0 0 0 0 0
208012 0 0 0 0 0
208112 0 0 0 0 0
208212 0 0 0 0 0
208312 0 0 0 0 0
208412 0 0 0 0 0
208512 0 0 0 0 0
208612 0 0 0 0 0
208712 0 0 0 0 0
208812 0 0 0 0 0
208912 0 0 0 0 0
209012 0 0 0 0 0
209112 0 0 0 0 0
209212 0 0 0 0 0
209312 0 0 0 0 0
209412 0 0 0 0 0
209512 0 0 0 0 0
209612 0 0 0 0 0
209712 0 0 0 0 0
209812 0 0 0 0 0
209912 0 0 0 0 0
210012 0 0 0 0 0
210112 0 0 0 0 0
210212 0 0 0 0 0
210312 0 0 0 0 0
210412 0 0 0 0 0
210512 0 0 0 0 0
210612 0 0 0 0 0
210712 0 0 0 0 0
210812 0 0 0 0 0
210912 0 0 0 0 0
211012 0 0 0 0 0

Information classification: Internal

信息分类: 内部
211112 0 0 0 0 0
211212 0 0 0 0 0
211312 0 0 0 0 0
211412 0 0 0 0 0
211512 0 0 0 0 0
211612 0 0 0 0 0

Information classification: Internal

信息分类: 内部
 1_RAb 1_RAf 2_13c 2_13a 2_13b 2_13f
nce After economic variance

RA @ lock- RA @ EIR Net CF PV Net CFs PV Net CFs PV Net CFs

in rate @ BOP rate @ Lock-in @ EIR
rate

T T T to T+1 T T T

0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
 2_RAa 2_RAb 2_RAf 3_13c 3_13a 3_13b
nomic variance After operating assumption

RA @ BOP RA @ lock- RA @ EIR Net CF PV Net CFs PV Net CFs

rate in rate @ BOP rate @ Lock-in
rate

T T T T to T+1 T T

0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
 3_13f 3_RAa 3_RAb 3_RAf 4_13c 4_13a
er operating assumption change After economic

PV Net CFs RA @ BOP RA @ lock- RA @ EIR Net CF PV Net CFs

@ EIR rate in rate @ EOP rate

T T T T T to T+1 T

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
 0.00

4_13b 4_13f 4_RAa 4_RAb 4_RAf 5_1c

After economic assumption change

PV Net CFs PV Net CFs RA @ EOP RA @ lock- RA @ EIR Premium

@ Lock-in @ EIR rate in rate
rate

T T T T T T to T+1

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

Information classification: Internal

信息分类: 内部
 5_2c 5_3c 5_4c 5_5c 5_6c 5_7c 5_8c

Claims - Claims - Expense - Expense - Expense - Commissi Commissi

In excess Investme Insurance Premium Directly on - on -
of nt acquisitio related attributab Insurance Premium
investme compone n cash cash flow le acquisitio related
T tontT+1 T tontT+1 flow
T to T+1 T to T+1 expense
T to T+1 Tnto cash
T+1 cash flow
T to T+1
compone flow
nt

Information classification: Internal

信息分类: 内部
 5_9c 5_13c 5_13a 5_13b 5_13f 5_RAa 5_RAb
After discretion change

Commissi Net CF PV Net PV Net PV Net RA @ EOP RA @

on - CFs @ CFs @ CFs @ EIR rate lock-in
Directly EOP rate Lock-in rate
attributab rate
le comm
T to T+1 T to T+1 T T T T T

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Information classification: Internal

信息分类: 内部
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Information classification: Internal

信息分类: 内部
0.00
0.00
0.00
0.00
0.00
0.00

Information classification: Internal

信息分类: 内部
 5_RAf 5_RAc 5_10c 5_10b 5_12a 5_3a

RA @ EIR Release Coverage Coverage Unit PV of PV of

in RA Unit for the Balance Outgo @ (Claims -
period EOP rate Investme
nt
T T to T+1 T to T+1 T T compone
T
nt) @ EOP
rate

Information classification: Internal

信息分类: 内部
5_14c 1_13d 1_13e 1_13g 2_13d 2_13e 2_13g 3_13d 3_13e 3_13g
1_13a 1_13b 1_13f 2_13a 2_13b 2_13f 3_13a 3_13b 3_13f

Increase in
Reserve

T to T+1

0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0

Information classification: Internal

信息分类: 内部
0 0 0 0 0 0 0 0 0
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0 0 0 0 0 0 0 0 0
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0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
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0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
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Information classification: Internal

信息分类: 内部
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Information classification: Internal

信息分类: 内部
4_13d 4_13e 4_13g 5_13d 5_13e 5_13g 1Actual 2Actual 3Actual 4Actual
4_13a 4_13b 4_13f 5_13a 5_13b 5_13f 5_1c 5_2c 5_3c 5_4c

0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
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0 0 0 0 0 0 0 0 0 0
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Information classification: Internal

信息分类: 内部
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Year Annual Forward Rate
1
2
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50
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Tab Column Field Name Field Description Purpose of data Notes
Gross premium within the contract boundary of the cohort from
Base AD Premium Used in the calculation of cash inflows.
1 Jan 2018 to 31 Dec 2018.
Expected/actual claims excluding investment components
Claims - In excess of during each valuation period, including claims that have
Base AE Used in the calculation of cash outflows (insurance component).
investment component already incurred and all future claims for which the entity has a
substantive obligation.
Expected/actual payments regarding investment components
during each valuation period.
Claims - Investment The investment components are amounts that insurance Used in the calculation of cash outflows (investment
Base AF
component contract requires the entity to repay to a policyholder even if component).
an insured event does not occur, i.e., surrender value, maturity
benefit (if applicable).

Expense cash flows, arising from the costs of selling,

underwriting and starting a group of insurance contracts that
Expense - Insurance are directly attributable to the portfolio of insurance contracts
Base AG Used in the calculation of cash outflows (insurance component).
acquisition cash flow to which the group belongs. Such cash flows include cash flows
that are not directly attributable to individual contracts or
groups of insurance contracts within the portfolio.

Expense - Premium related

Base AH Premium related expenses, excluding acquisition expenses. Used in the calculation of cash outflows (insurance component).
cash flow
Expense - Directly
Base AI Other directly attributable expenses. Used in the calculation of cash outflows (insurance component).
attributable expense

Commission cash flows, arising from the costs of selling,

underwriting and starting a group of insurance contracts that
Commission - Insurance are directly attributable to the portfolio of insurance contracts
Base AJ Used in the calculation of cash outflows (insurance component).
acquisition cash flow to which the group belongs. Such cash flows include cash flows
that are not directly attributable to individual contracts or
groups of insurance contracts within the portfolio.

Commission - Premium
Base AK Premium related commission, excluding acquisition commission. Used in the calculation of cash outflows (insurance component).
related cash flow
Commission - Directly
Base AL Other directly attributable commission. Used in the calculation of cash outflows (insurance component).
attributable comm
Base AM Net CF Net cash flows.
The present value of net cash flows, discounted at the rate at To allow for the effect of the time value of money (@current
Base AN PV Net CFs @ EOP rate
the end of each future period. yield)
To allow for the effect of the time value of money (@lock-in
Base AO PV Net CFs @ Lock-in rate The present value of net cash flows, discounted at lock-in rate.
yield)

To allow for the effect of the time value of money (@EIR yield)
The present value of net cash flows, discounted at effective
Base AP PV Net CFs @ EIR
interest rate. (OCI Option) Used in the calculation of the components relating
to change in FCF from the change in financial assumptions.

The risk adjustments, discounted at the rate at the end of each To allow for the effect of the time value of money (@current
Base AQ RA @ EOP rate
future period. yield)
To allow for the effect of the time value of money (@lock-in
Base AR RA @ lock-in rate The risk adjustments, discounted at lock-in rate.
yield)

To allow for the effect of the time value of money (@EIR yield)
Base AS RA @ EIR The risk adjustments, discounted at effective interest rate.
(OCI Option) Used in the calculation of the components relating
to change in FCF from the change in financial assumptions.

The release in RA in the current period, excluding the time To reflect the release of risk adjustment as the remaining risk
Base AT Release in RA
value of RA changes.
Base AU Coverage Unit for the period Death Sum Assured in the current period. Used for the allocation of CSM or Loss Component. Please see tab CU_demo for your reference
Base AV Coverage Unit Balance PV of Death Sum Assured at the EOP. Used for the allocation of CSM or Loss Component. Please see tab CU_demo for your reference
The present value of cash outflows discounted at the rate at
Base AW PV of Outgo @ EOP rate the end of each future period, including claims - In excess of
investment component and claims - investment component.

The present value of cash outflows discounted at the rate at

PV of (Claims - Investment
Base AX the end of each future period, including claims - investment
component) @ EOP rate
component only.

Base AY Increase in Reserve Increase in reserve in the current period under IFRS 4 basis
 Duration inforce 0
Policy term 31

Weight
Time SUM_ASSURED DEATH_BEN_PP Benefit PP CU Balance % Amort
2018 10000 10,000.00 10,000 129931.93 7.15%
2019 10000 10,000.00 10,000 128217.25 7.23%
2020 10000 10,000.00 10,000 134185.90 6.94%
2021 10000 10,000.00 10,000 139232.21 6.70%
2022 10000 10,000.00 10,000 143273.73 6.52%
2023 10000 10,000.00 10,000 146434.87 6.39%
2024 10000 10,000.00 10,000 148727.49 6.30%
2025 10000 10,073.19 10,073 149602.21 6.31%
2026 10000 10,152.76 10,153 148005.75 6.42%
2027 10000 10,283.91 10,284 144602.27 6.64%
2028 10000 10,435.29 10,435 141323.56 6.88%
2029 10000 10,589.73 10,590 138301.06 7.11%
2030 10000 10,743.86 10,744 135132.66 7.37%
2031 10000 10,889.34 10,889 131655.38 7.64%
2032 10000 11,022.08 11,022 127789.68 7.94%
2033 10000 11,137.63 11,138 123459.74 8.27%
2034 10000 11,243.41 11,243 118610.63 8.66%
2035 10000 11,346.54 11,347 113253.12 9.11%
2036 10000 11,456.37 11,456 107456.48 9.63%
2037 10000 11,580.48 11,580 101280.80 10.26%
2038 10000 11,725.35 11,725 94768.45 11.01%
2039 10000 11,891.23 11,891 87930.49 11.91%
2040 10000 12,073.55 12,074 80735.80 13.01%
2041 10000 12,273.89 12,274 73095.77 14.38%
2042 10000 12,490.83 12,491 64924.93 16.13%
2043 10000 12,719.92 12,720 56150.71 18.47%
2044 10000 12,962.00 12,962 46676.86 21.73%
2045 10000 13,220.38 13,220 36409.58 26.64%
2046 10000 13,489.21 13,489 25275.02 34.80%
2047 10000 13,768.84 13,769 13176.00 51.10%
2048 10000 14,062.87 14,063 0.00 100.00%
2049 10000 - - 0.00 0.00%
2050 10000 - - 0.00 0.00%
2051 10000 - - 0.00 0.00%
2052 10000 - - 0.00 0.00%
2053 10000 - - 0.00 0.00%
2054 10000 - - 0.00 0.00%
2055 10000 - - 0.00 0.00%
2056 10000 - - 0.00 0.00%
2057 10000 - - 0.00 0.00%
2058 10000 - - 0.00 0.00%
2059 10000 - - 0.00 0.00%
2060 10000 - - 0.00 0.00%
2061 10000 - - 0.00 0.00%
2062 10000 - - 0.00 0.00%
2063 10000 - - 0.00 0.00%
2064 10000 - - 0.00 0.00%
2065 10000 - - 0.00 0.00%
2066 10000 - - 0.00 0.00%
2067 10000 - - 0.00 0.00%
2068 10000 - - 0.00 0.00%
2069 10000 - - 0.00 0.00%
2070 10000 - - 0.00 0.00%
2071 10000 - - 0.00 0.00%
2072 10000 - - 0.00 0.00%
2073 10000 - - 0.00 0.00%
2074 10000 - - 0.00 0.00%
2075 10000 - - 0.00 0.00%
2076 10000 - - 0.00 0.00%
2077 10000 - - 0.00 0.00%
2078 10000 - - 0.00 0.00%
2079 10000 - - 0.00 0.00%
2080 10000 - - 0.00 0.00%
2081 10000 - - 0.00 0.00%
2082 10000 - - 0.00 0.00%
2083 10000 - - 0.00 0.00%
2084 10000 - - 0.00 0.00%
2085 10000 - - 0.00 0.00%
2086 10000 - - 0.00 0.00%
2087 10000 - - 0.00 0.00%
2088 10000 - - 0.00 0.00%
2089 10000 - - 0.00 0.00%
2090 10000 - - 0.00 0.00%
2091 10000 - - 0.00 0.00%
2092 10000 - - 0.00 0.00%
2093 10000 - - 0.00 0.00%
2094 10000 - - 0.00 0.00%
2095 10000 - - 0.00 0.00%
2096 10000 - - 0.00 0.00%
2097 10000 - - 0.00 0.00%
2098 10000 - - 0.00 0.00%
2099 10000 - - 0.00 0.00%
2100 10000 - - 0.00 0.00%
2101 10000 - - 0.00 0.00%
2102 10000 - - 0.00 0.00%
2103 10000 - - 0.00 0.00%
2104 10000 - - 0.00 0.00%
2105 10000 - - 0.00 0.00%
2106 10000 - - 0.00 0.00%
2107 10000 - - 0.00 0.00%
2108 10000 - - 0.00 0.00%
2109 10000 - - 0.00 0.00%
2110 10000 - - 0.00 0.00%
2111 10000 - -
 Disc Fac
Year Disc Rate Death rate Lapse Rate 1 2
0 0.000000 1.0000 1.0000
1 0.017100 0.001023 10.0% 0.9401 0.8892
2 0.015601 0.001088 9.0% 0.8359 0.7996
3 0.016740 0.001168 8.0% 0.7517 0.7263
4 0.016760 0.001259 7.0% 0.6828 0.6652
5 0.021560 0.001361 6.0% 0.6254 0.6137
6 0.023143 0.001474 5.0% 0.5769 0.5716
7 0.023179 0.001596 4.0% 0.5374 0.5407
8 0.023157 0.001731 2.0% 0.5083 0.5167
9 0.023165 0.001872 2.0% 0.4857 0.4923
10 0.028471 0.002008 2.0% 0.4628 0.4673
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