Living Benefits: Your Plan Also Comes With The Following Benefits

Dear PAUL JOEY CRUZ CHUA,
Congratulations, you are on your way to achieving your dream TRAVEL in 10 years. Your personalized
MyLifeChoice plan is a peso-denominated, limited-pay investment-linked life insurance plan powered by AXA.
Your plan comes with a living and protection benefits which are summarized below:
Living Benefits
Your Benefit (Account Value)
At year 10 At year 15 At age 65
At 4.00% annual rate of return 448,639 540,089 1,073,800

At 4.25% annual rate of return 454,498 554,569 1,167,640
At 10.00% annual rate of return 615,302 1,010,669 6,416,184
Protection Benefits
Your Loved Ones (Death Benefit)
Day 1 At year 10 At year 15
At 4.25% annual rate of return 1,000,000 1,000,000 1,000,000

Secure 1,000,000 1,000,000 1,000,000
Total Death Benefit 2,000,000 2,000,000 2,000,000
Total Death Benefit Annual Regular Top-up Lump Sum Top-up

Basic Annual Premium
at Day 1 and Rider Premium At policy year 1
2,000,000 50,000 0 0
Your plan also comes with the following benefits:

 Waiver of Premium - waives your remaining future annual premiums of Php 50,000 in case of total
and permanent disability of insured.
This summary page is not part of the contract and is for marketing use only.
Start-Up bonus
AXA also invests with you through the start-up bonus feature. On day 1 of your policy, AXA will add an
equivalent of 70% of your basic annual premium to your investment provided there were no premium
holidays applied and no withdrawals are made before policy years 10, 15 and 25.
At Policy Year 15,
35,000 20% of your basic

annual premium
At Policy Year 10, invested as start-up At Policy Year 25,
20% of your basic bonus, including 30% of your basic
AXA will add to your investment annual premium gains, if any, will be annual premium
equivalent to 70% of your invested as start-up credited to your invested as start-up
basic annual premium bonus, including gains, account value. bonus, including
if any, will be credited gains, if any, will be
to your account value. credited to your
account value.
The accumulation of your Start-Up bonus will follow the performance of your selected funds and is not
guaranteed. Start-Up Bonus will be vested in your Account Values if premiums are paid on time or
within the grace period, no premium holidays were previously applied and no withdrawals were made.
Fund Allocation and Available Funds
Equities Balanced Bonds
Philippine Wealth Philippine Wealth Bond

Chinese Tycoon Fund 30% 0% 20%
Balanced Fund Fund
Philippine Wealth Equity AXA Target Date Fund

50% 0%
Fund 2030
AXA Target Date Fund

Opportunity Fund 0% 0%
2035
Spanish American AXA Target Date Fund

0% 0%
Legacy Fund 2040

0%
2045
Thank you for choosing AXA Philippines. We look forward to being your partner in achieving your unique financial
goals.
Sincerely,
AXA Philippines.
Notes:
1. This summary page is not part of the contract and is for marketing use only.
2. To know the complete details of your MyLifeChoice plan, please refer to the proposal that follows
3. The rates of return shown above, approved by the Insurance Commission, are for illustration purposes only and
do not guarantee future performance. The actual return may differ. You may refer to the Historical Fund
Performance to check the past performance of AXA funds.
4. The illustrated benefits are NET of the following policy charges:
a. Premium charges of 40% of the basic premium for the first and second year and 35% of the basic
premium for the third to the fifth years of the Policy; all Top-Ups shall be subjected to a Top-Up charge of
2%.
b. Cost of Insurance, for the basic plan coverage and supplementary benefits, shall be deducted monthly
from the account value. Plus, Administration Charge of Php1,200 per Policy year.
c. Asset Management Charge may vary depending on the chosen funds(s) plus VAT.
d. Withdrawals (partial and full) are subject to surrender charges of 100%, 100%, 50%, 30%, 10%
respectively during the 1st 5 policy years and 5% from 6th to 10th policy year of the amount withdrawn.
5. Assumptions:
a. The illustrated benefits assume the following:
i. All premiums are paid in full when due and as scheduled.

ii. Current scale of charges remains unchanged.
b. Policy charges are based on the standard risk class without taking into acccount your own circumstances
(example: occupation, heath conditions etc.). Risk class will be determined according to our
underwriting guidelines.
6. Charges for the basic policy and administration charges shall be deducted monthly until the termination of the
policy. Charges for any supplementary benefits/riders shall be deducted monthly until the end of the rider
coverage.
7. Any withdrawals from the Account Values will correspondingly reduce the Death Benefit payable.
8. Policy charges are not guaranteed and may change subject to prior approval of the Insurance Commission.
9. For policies with Care Rider and/or Critical Condition Rider, pay out benefits are subject to the following exclusions:
a. Waiting period, prior any commencement of claim, of thirty (30) days for Care Rider and sixty (60) days
for Critical Condition Rider from the effective date of this rider or date of its last reinstatement; or
b. Hospitalizations arising from pre-existing conditions which means a condition (a) for which the Insured
received medical advice, consultation or treatment, or (b) whose signs or symptoms are evident, or
should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment during the two years preceding the supplement effective date, or reinstatement date, whichever
date is later. “Condition” means any type of illness, specific injury, disease or infirmity including all
underlying or related conditions and any manifestation thereof, whether in one or more than one body
system, that are claimed within twelve months from the Effective Date of this Supplement or date of its
last reinstatement (whichever is later)
(For the complete benefits- and exclusions- list of the riders, you may refer to the policy contract).
10. If after purchasing the variable life insurance contract, you realize that it does not fit your financial needs, you may
return the contract to AXA Philippines within fifteen (15) days from the time you received it. AXA Philippines with
return to you the Account Values and all initial charges.
MYLIFECHOICE 10
Policyowner or Payor: PAUL JOEY CRUZ CHUA, 31, Male
Proposed Insured: PAUL JOEY CRUZ CHUA, 31, Male
Dear PAUL JOEY CRUZ CHUA,
Congratulations, you are on your way to achieving your dream TRAVEL in 10 years.
We are glad you chose MyLifeChoice, a peso-denominated, limited-pay investment-linked life insurance product that will
cater to your savings and protection needs by placing your premiums in expertly managed fund/s while providing you with
insurance coverage.
You can look forward to your goals with a plan that lets you enjoy these benefits:
Plan Summary (in PHP)

Annual Premium 50,000.00
Premium Payment
Period* 10 years
Sum Insured 1,000,000
Death Benefit Option Level Death Benefit
Contract Term Up to age 90 of the insured
Chosen fund/s Philippine Wealth Bond Fund 20%
Chinese Tycoon Fund 30%
Philippine Wealth Equity Fund 50%
TOTAL 100%
Account Values at year With assumed fund growth rate at 4.00% 448,639
of goal: Policy Year 10** With assumed fund growth rate at 4.25% 454,498
With assumed fund growth rate at 10.00% 615,302
*Limited-premium payment is not guaranteed to keep the Policy in-force. Depending on the current market conditions, you
may be requested to pay additional premiums, if your Account Values will not be sufficient to pay for the recurring Policy
charges to sustain the plan’s coverage.
**The rates of return shown above, approved by the Insurance Commission, are for illustration purposes only and do not
guarantee future performance. The actual return may differ based on actual market performance on valuation date.
Your plan automatically comes with these additional benefits:
Waiver of Premium
AXA will ensure that your remaining basic premiums will be paid for even if you become totally
and permanently disabled before the age of 60, to ensure that you achieve your goals no
matter what happens.
Accidental Death and Disability

AXA will provide you and your loved ones with financial assistance in case of death,
dismemberment, disablement, and/or major burns caused by accidents.
This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product cannot
be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not
purchase, or invest in it.
Proposal No: 32886-202011080121-3-02 Plan code: DS1090A / Rider Code: WPUDRX, DSAPUDR
Proposal validity:Nov 08, 2020 to Jan 07, 2021
Date of next insurance age: Jun 23, 2021
Version Number: 6.0.5
Page 1 of 15
MYLIFECHOICE 10
You also enjoy these unique offerings:
Start Up bonus
At the beginning of your Policy effective date, AXA will put in additional amount to your fund
equivalent to 70% of your first year basic annual premium. Start Up Bonus will be vested in
your Account Values if premiums are paid on time or within the grace period, no premium
holidays were previously applied and no withdrawals were made. The longer you maintain
your good savings habits, the higher bonus you will receive.
The value of your Start Up bonus will be vested accordingly:
Vesting Year* Start Up Bonus

Policy Year 10 20% of your first year basic annual premium
Total Bonus 70% of your first year basic annual premium
*Vesting Year is the time when the portion of the Start Up bonus will be accessible to you for
withdrawals and fund switching.
The accumulation of your Start Up bonus will follow the performance of your selected funds and is
not guaranteed. The unit price that will be used is the NAV of the selected fund/s at the end of each
vesting year.
The benefits of this Policy may be subject to limits, please refer to the notes of your chosen plan’s
inclusions/exclusions/limits. The succeeding pages of this proposal will provide more details on the features and benefits
of MyLifeChoice.
Thank you for your interest in MyLifeChoice. For additional assistance, you may call me at my contact number below or
the AXA Customer Care Hotline No. (02)85815-292.
DE VERA, JOYLIN PAULA MENDOZA

43237
32886
639175055194
Page 2 of 15
MYLIFECHOICE 10
Below are important details of your proposal and descriptions of available funds:
Maximum Sum Insured Annual Premium

Basic Plan: coverage age (in PHP) (in PHP)
MyLifeChoice 10 90 1,000,000 50,000.00
Supplements (additional benefits):

Waiver of Premium - waives all future 60 50,000 0.00
premiums in case of total and permanent
disability
Secure - accidental death and dismemberment 70 1,000,000 0.00

benefit
TOTAL 50,000.00
You may also pay your premium in the following modes:

Mode of Payment Modal Premium
(in PHP)
Annual 50,000.00
Semi-annual 25,000.00
Quarterly 12,500.00
Monthly 4,166.67
You may choose to invest in any of the following funds. If you choose to invest in more than one fund, a minimum allocation
of 10% per fund is required. The total allocation should always be equal to 100%.
a. Opportunity Fund - This equity fund aims to achieve long term growth capital gains and dividends by investing in a
diversified portfolio of equities of Philippine corporations from different industries.
b. Spanish American Legacy Fund - This equity fund aims to achieve medium-to-long-term growth through capital
gains and dividends by investing in a management themed-portfolio comprised of Philippine companies from
different industries with Spanish-American heritage.
c. Chinese Tycoon Fund - This fund aims to achieve medium-to-long-term growth through capital gains and
dividends by investing in a management themed-portfolio reflective of the Chinese-Filipino entrepreneurial spirit
through strategic investment in Philippine companies from different industries.
d. Philippine Wealth Balanced Fund - This balanced fund is designed to achieve long-term growth through both
interest income and capital gains with an emphasis on providing a modest level of risk. It seeks to manage risk by
diversifying asset classes and industry groups through investment in bonds issues by the Philippine government
and equities issued by Philippine corporations comprising the Philippine Stock Exchange index.
e. Philippine Wealth Bond Fund - This bond fund is an actively managed fixed income fund that seeks to capitalize
on capital and income growth through investments in interest-bearing securities issued by the Philippine
Government and money market instruments issued by banks.
Page 3 of 15
MYLIFECHOICE 10
f. Philippine Wealth Equity Fund - This equity fund seeks to achieve long-term growth of capital by investing mainly
in equities of Philippine corporations comprising the Philippine Stock Exchange index. The fund aims to provide
access to a diversified portfolio of equities from different industries.
g. AXA Target Date Funds 2030, 2035, 2040, 2045 - These funds use (1) long term risk and return assumptions and
(2) estimates of the average client’s risk aversion. As the fund moves closer to the target date, the fund will
rebalance the portfolio to reflect the changing needs and priorities of the average client. The fund will prioritize
growth assets early on in the fund’s life and will move closer to a balanced portfolio with more conservative
investments as it nears the target date.
Page 4 of 15
MYLIFECHOICE 10
SPECIAL FEATURES
Fund switching allows you to manage your investment by choosing from the available
AXA peso-denominated funds. Minimum switch amount is the peso equivalent of
Fund Switch USD 400. Fund switching is allowed any time after the Policy issue date. There will
be eight free switches per year, and you will be charged 1% of the switch amount in
excess of the free.
Top-Ups are additional premium that go directly to your chosen investment fund to
accelerate the growth potential of your Account Values. Top-ups also shares a part
on the calculation of the Minimum Death Benefit.
Your Minimum Death Benefit for any Policy year is equal to the Sum Insured, plus
125% of total Top-Up premiums paid less 125% of total partial withdrawals made.
There are two types of Top-Ups:
Top-Ups · Lump Sum Top-Up - is an additional premium that goes directly to your
chosen investment fund/s which you can do anytime. The minimum Lump
Sum Top-Up amount is PHP 5,000
· Regular Top-Up - is a committed additional premium that goes directly to
your chosen investment fund/s paid together with your regular premium. The
minimum Regular Top-Up amount is PHP 1,000
Premiums are paid depending on your chosen premium payment schedule. In

circumstances that prevent you from being able to pay your premium, you may
Premium Holiday request for a temporary premium holiday as long as your Account Values is sufficient
to pay the charges, including Premium Charges, to sustain your Policy.
Your bonus will grow along with your fund and will be added to your Account Values
per the schedule identified in Page 2 of this document. The Start-Up bonus will be
allocated to Your Policy in proportion to the Account Values of each investment fund
Start-Up Bonus relative to the Account Values of Your Policy. The Units to be created will be credited
on the Valuation Dates of the relevant Investment Funds immediately following the
date of the bonus is credited, in accordance with the rules We set from time to time.
You have the option to choose between two Death Benefit options:
· Level Death Benefit - provides Death Benefit equal to the Minimum Death
Benefit or Account Values, whichever is higher.
Increasing or Level Death · Increasing Death Benefit - provides Death Benefit equal to Minimum Death
Benefit options Benefit plus Account Values.
Minimum Death Benefit is equal to the Sum Insured, plus 125% of total Top-Up
premiums paid less 125% of total partial withdrawals made.
You have the option every year to increase your insurance coverage to ensure that
the amount you leave for your loved ones will be protected against inflation.
You can choose to increase your coverage based on the current Consumer Price
Inflation Shield Index subject to a minimum percentage that AXA Philippines may determine from
time to time with no further proof of insurability and with a minimal additional
premium. This offer is only available during your premium paying period.
*Additional premium is still subject to premium charges.
Page 5 of 15
MYLIFECHOICE 10
ILLUSTRATION OF BENEFITS
The values indicated below reflects timely payment of premiums depending on your chosen premium payment period. In
addition, you have the option to accelerate the growth potential of your Account Values by paying Top-Up premiums which
go directly to your chosen investment fund/s.
The following table, assuming different rates of return, illustrates your Account Values when premiums are paid in full when
due for the duration of the policy, no unpaid premium (Premium Holiday), no withdrawals, and the current scale of charges
remain unchanged. The illustrated values below are inclusive of the Start-Up Bonus.
ILLUSTRATION OF BENEFITS (in PHP)

Total
cumulative
End of regular basic Start Up Low Current High
Policy Year premiums and Bonus 4.00% rate of return 4.25% rate of return 10.00% rate of return
Top-Ups, if any
Living Benefit Death Benefit Living Benefit Death Benefit Living Benefit Death Benefit
1 50,000 35,000 25,903 1,000,000 25,971 1,000,000 27,540 1,000,000

2 100,000 52,836 1,000,000 53,040 1,000,000 57,830 1,000,000
3 150,000 83,439 1,000,000 83,858 1,000,000 93,899 1,000,000
4 200,000 115,264 1,000,000 115,985 1,000,000 133,586 1,000,000
5 250,000 148,357 1,000,000 149,473 1,000,000 177,255 1,000,000
10 500,000 448,639 1,000,000 454,498 1,000,000 615,302 1,000,000
15 500,000 540,089 1,000,000 554,569 1,000,000 1,010,669 1,010,669
20 500,000 631,901 1,000,000 657,993 1,000,000 1,610,008 1,610,008
30 500,000 929,020 1,000,000 998,716 1,000,000 4,391,522 4,391,522
40 500,000 1,341,649 1,341,649 1,481,685 1,481,685 11,345,944 11,345,944
50 500,000 1,971,251 1,971,251 2,231,644 2,231,644 29,408,311 29,408,311
60 500,000 *** *** *** *** *** ***
Age 60 500,000 896,966 1,000,000 960,942 1,000,000 3,994,926 3,994,926
Age 70 500,000 1,291,226 1,291,226 1,422,458 1,422,458 10,315,644 10,315,644
Age 80 500,000 1,896,613 1,896,613 2,141,843 2,141,843 26,735,977 26,735,977
Age 90 500,000 2,792,733 2,792,733 3,232,585 3,232,585 69,326,093 69,326,093
The rates of return shown above, which are approved by the Insurance Commission, are for illustration purposes
only, nor they guarantee future performance. These return figures do not represent expected returns. The actual
return may differ. You may refer to the Historical Fund Performance to check the past performance of AXA Funds.
Current rates are derived as follows:
1. Other funds: historical experience of the fund/s in the past three (3) years; and
2. If you have chosen multiple funds, the current rate illustrated is the average rate based on the weight of your
selected fund.
Your Living Benefit will only be withdrawn and be payable to you when you make a formal request to AXA Philippines. If no
request has been made, this Policy shall continue to provide its benefits as long as it is in-force or until the insured reach
age 90.
Your contract term is specified in the illustration of benefits in this proposal. Please refer to the additional notes below
applicable to the illustration of benefits table.
Page 6 of 15
MYLIFECHOICE 10
Notes:
1. This illustration shall form part of the insurance contract once the Policy is issued.
2. These funds and corresponding illustrations are only valid in connection with AXA products solely distributed within
the Philippines
3. All payments and benefits shown are in Philippine Peso.

4. The values in the illustration of benefits table are based on the projected performance of your chosen fund/s. Since
the fund performance may vary, the values of your units are not guaranteed and will depend on the actual
investment performance at that given period. The projected returns, which are approved by the Insurance
Commission, on investments are based on assumed annual rates of 4%, current interest rates as explained
above, and 10%. These rates are for illustration purposes only and do not represent maximum or minimum return
on your fund.
5. The illustrated values are NET of:

a. Premium charges of 40% of the basic premium for the first and second year and 35% of the basic
premium for the third to the fifth years of the Policy; all Top-Ups shall be subjected to a Top-Up charge of
2%.
b. Cost of Insurance, for the basic plan coverage and supplementary benefits, shall be deducted monthly
from the illustrated values. Plus, Administration Charge of Php1,200 per Policy year.
c. Asset Management Charge depending on the chosen fund/s, plus VAT and any additional expenses or
charges related to the chosen Investment Fund/s. Please refer to the individual Fund Fact Sheets
available at www.axa.com.ph for more details.
6. The illustrated benefits assume that no withdrawals are made and the current scale of charges remains
unchanged.
7. The illustrated values are still subject to a surrender charge for withdrawals (partial and full) up to the 10th Policy
year. The surrender charge is equal to the amount withdrawn multiplied by surrender factor of
100%/100%/50%/30%/10%/5%/5%/5%/5%/5% for the 1st to 10th Policy years.
8. At the beginning of your Policy effective date, AXA will put in additional amount to your fund equivalent to 70% of
your first year basic annual premium. The schedule of the Start-Up Bonus will be 20%/20%/30% of your first year
basic annual premium on Policy Years 10, 15 and 25, respectively. The accumulation of your Start-Up bonus will
follow the performance of your selected funds and is not guaranteed. Start-Up Bonus will be vested in your
Account Values if premiums are paid on time or within the grace period, no premium holidays were previously
applied and no withdrawals were made.
9. Assumptions:
a. All premiums shown in the illustration of benefits table are paid in full when due and as scheduled. It
assumes the current scale of charges remains unchanged.
b. The proposed policy charges used in this illustration summary are based on the standard risk class without
taking into account your own circumstances (example: occupation, health conditions etc.). Risk class will
be determined according to our underwriting guidelines.
10. Charges for the basic policy and administration charges shall be deducted monthly until the termination of the
policy. Charges for any supplementary benefits/riders shall be deducted monthly until the end of the rider
coverage.
11. Any withdrawals from the Account Values will correspondingly reduce the Death Benefit payable.
12. The investment gains/risks associated with this plan are solely to your account.
13. If after purchasing the variable life insurance contract, you realize that it does not fit your financial needs, you may
return the contract to AXA Philippines within fifteen (15) days from the time you received your policy. AXA
Philippines will return to you the Account Values and all initial charges.
Page 7 of 15
MYLIFECHOICE 10
SUPPLEMENTARY ILLUSTRATION OF BENEFITS
You may choose to further customize your Policy through placement of Lump-Sum Top-Ups any time and/or scheduled
withdrawals.
Highlighted in the table is the assumed withdrawable Account Values on Policy Year 10 that can be used for your dream
TRAVEL. If you wish to fully withdraw, the Policy will automatically be terminated together with the insurance coverage and
supplementary benefits.
SUPPLEMENTARY ILLUSTRATION OF BENEFITS (in PHP)

Total Lump Sum
cumulative Top-Up
End of regular basic premiums or Low Current High
Policy Year premiums and withdrawals 4.00% rate of return 4.25% rate of return 10.00% rate of return
Top-Ups, if any at Given
Years
Living Benefit Death Benefit Living Benefit Death Benefit Living Benefit Death Benefit
1 50,000 25,903 1,000,000 25,971 1,000,000 27,540 1,000,000
2 100,000 52,836 1,000,000 53,040 1,000,000 57,830 1,000,000
3 150,000 83,439 1,000,000 83,858 1,000,000 93,899 1,000,000
4 200,000 115,264 1,000,000 115,985 1,000,000 133,586 1,000,000
5 250,000 148,357 1,000,000 149,473 1,000,000 177,255 1,000,000
10 500,000 448,639 1,000,000 454,498 1,000,000 615,302 1,000,000
15 500,000 540,089 1,000,000 554,569 1,000,000 1,010,669 1,010,669
20 500,000 631,901 1,000,000 657,993 1,000,000 1,610,008 1,610,008
30 500,000 929,020 1,000,000 998,716 1,000,000 4,391,522 4,391,522
40 500,000 1,341,649 1,341,649 1,481,685 1,481,685 11,345,944 11,345,944
50 500,000 1,971,251 1,971,251 2,231,644 2,231,644 29,408,311 29,408,311
60 500,000 *** *** *** *** *** ***
Age 60 500,000 896,966 1,000,000 960,942 1,000,000 3,994,926 3,994,926
Age 70 500,000 1,291,226 1,291,226 1,422,458 1,422,458 10,315,644 10,315,644
Age 80 500,000 1,896,613 1,896,613 2,141,843 2,141,843 26,735,977 26,735,977
Age 90 500,000 2,792,733 2,792,733 3,232,585 3,232,585 69,326,093 69,326,093
The rates of return shown above, which are approved by the Insurance Commission, are for illustration purposes
only and are not based on past performance, nor they guarantee future performance. The return figures do not
represent expected returns. The actual return may differ. You may refer to the Historical Fund Performance to
check the past performance of AXA Funds.
Current rates are derived depending on the client’s chose fund/s. See notes under Illustration of Benefits.
Your Living Benefit will only be withdrawn and be payable to you when you make a formal request to AXA Philippines. If no
request has been made, this Policy shall continue to provide its benefits as long as it is in-force or until the insured reach
age 90.
Page 8 of 15
MYLIFECHOICE 10
Attached Supplements
Summary of the Riders Attached to this Proposal
1. SECURE is an additional coverage for Accidents on top of the life insurance benefit. If the insured, because of
an accident, dies or sustains bodily injury in ways describing below, a percentage of the amount insured by
SECURE will be given based on the following:
TYPE OF INJURY % of SECURE

Sum Insured
· Permanent loss of:

- Life 100%
- Two or more limbs 100%
- Sight of both eyes 100%
- Sight of one eye and one limb 100%
- Hearing of both ears 75%
- Hearing of one ear 15%
- Speech 50%
- Sight of one eye 50%
- One limb 50%
- All joints of four fingers and thumb of right hand 40%
- All joints of four fingers and thumb of left hand 35%
- All joints of four fingers of right hand 35%
- All joints of four fingers of left hand 30%
- Two joints of right thumb 25%
- One joint of right thumb 15%
- Two joints of left thumb 20%
- One joint of left thumb 10%
- Three joints of one finger of right hand 10%
- Two joints of one finger of right hand 7.5%
- One joint of one finger of right hand 5%
- Three joints of one finger of left hand 7.5%
- Two joints of one finger of left hand 5%
- One joint of one finger of left hand 2%
- All joints of all toes of one foot 15%
- All joints of big toe 5%
- One joint of big toe 3%
· Fractured leg or patella 10%

· Shortening of leg by at least 5 cms. 7.5%
· Major burns as percent of total body surface
- Head
- 2% but less than 4% 25%
- 8% or more 100%
- Body
- 10% but less than 12.5% 25%
- 12.5% but less than 15% 50%
- 20% or more 100%
SECURE Premiums are payable up to age 70.
Page 9 of 15
MYLIFECHOICE 10
We will not pay You any benefit under this Supplement if Your Death, Dismemberment or Loss of Use shall result, directly or indirectly,
wholly or partly, from any of the following causes:
(1) self-inflicted injury, suicide or any attempt thereat; or

(2) disease or infection (except infection which occurs through an accidental cut or wound), including infection with any Human
Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations,
derivations or variations thereof; or
(3) strike, riot, civil commotion, Acts of Terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation; or
(4) murder, provoked assault or participation in any brawl; or
(5) any violation or attempted violation of the law or resistance to arrest; or
(6) while the Insured is affected by alcohol or unprescribed drug; or
(7) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental
cut or wound, disease or sickness of any kind; or
(8) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas; or
(9) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance except while traveling as a
passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea
service over an established passenger route; or
(10) service in the military, naval or air force in time of declared or undeclared war or while under the orders for warlike operations or
restoration of public order; or
(11) while undergoing medical or surgical treatment except as a result of accidental injury; or
(12) when occasioned by or happening through pregnancy or childbirth; or
(13) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang-gliding, yachting beyond five (5) kilometer of coast-line,
bungee-jumping, parachuting, sky-diving, mountaineering, and other forms of extreme sports; or
(14) nuclear, biological or chemical (NBC) contamination; or
(15) Pre-Existing Conditions as defined in this Supplement.
“Pre-existing condition” means a condition (1) for which the Insured received medical advice, consultation or treatment, or (2) whose signs
or symptoms are evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment for it, prior to the Effective date of this Supplement or date of effectivity of its last reinstatement, if any. “Condition” means any type
of Bodily Injury as defined in this Supplement.
Page 10 of 15
MYLIFECHOICE 10
2. WAIVER OF PREMIUM waives premium payments in the event you are suddenly unable to work and pay for the premiums
because of a disability. In effect, with a Waiver of Premium supplement, your policy will be allowed to continue as if premiums
are regularly and continuously paid.
The premium term of the supplement for waiver of premium is the same as the premium term of the plan to which the
supplement for waiver of premium is attached.
NOTES:
1. The rates shown, if any, are those currently in effect. The rates may change subject to the approval of the Insurance Commission.
2. For a detailed description of the Supplements, including exclusions and other provisions, please refer to the policy contract.
Page 11 of 15
MYLIFECHOICE 10
HISTORICAL FUND PERFORMANCE (as of January 31, 2020)

Year-to-Date Returns Average Annualized
Annualized Annualized
PHP Fund Name Return for Return Returns
(Launch Date) 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- the last 3 (since fund
years inception) 1 yr. 3 yr. 5 yr.
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Philippine Wealth Bond
Fund - PHP 1.06% 4.23% 3.80% 2.95% 1.71% -2.27% 0.10% -1.49% -4.76% 16.52% 4.50% 4.32% 14.92% 4.50% 2.36%
(9/9/2004)
Philippine Wealth
Balanced Fund - PHP -18.50% 23.88% 12.92% 3.84% 7.55% -3.51% -2.19% 9.66% -9.18% 10.40% -1.81% 6.12% -5.53% -1.81% -1.77%
(9/9/2004)
Philippine Wealth Equity
Fund - PHP -47.57% 1.12% 31.91% 2.91% 22.68% -3.85% -3.42% 24.47% -13.68% 4.55% -9.72% 8.34% -27.90% -9.72% -6.46%
(4/6/2006)
Opportunity Fund - PHP
N/A 0.79% 31.05% 2.34% 25.74% -4.23% -4.40% 23.58% -13.50% 4.12% -10.30% 7.50% -29.13% -10.30% -7.03%
(8/27/2009)
Chinese Tycoon Fund -
PHP N/A N/A 34.45% 4.93% 24.64% 0.50% -1.31% 25.37% -13.21% 6.11% -9.22% 4.75% -29.13% -9.22% -5.55%
(12/1/2011)
Spanish American
Legacy Fund - PHP N/A N/A 19.52% -4.61% 16.54% -6.35% -5.62% 22.09% -9.75% -0.62% -9.91% -0.03% -28.91% -9.91% -6.78%
(12/1/2011)
Philippine Peso Liquidity
Fund - PHP N/A 2.93% 2.26% 1.05% 0.33% 0.61% 1.11% 1.07% 2.47% 3.64% 2.49% 2.02% 2.84% 2.49% 1.88%
(5/8/2008)
2030 - PHP N/A N/A N/A N/A N/A N/A N/A N/A 10.28% 6.07% N/A -8.93% -4.63% N/A N/A
(6/5/2017)
2035 - PHP N/A N/A N/A N/A N/A N/A N/A N/A 11.51% 5.61% N/A -10.10% -5.73% N/A N/A
(6/5/2017)
2040 - PHP N/A N/A N/A N/A N/A N/A N/A N/A -11.74% 5.33% N/A -10.86% -6.34% N/A N/A
(6/5/2017)
2045 - PHP N/A N/A N/A N/A N/A N/A N/A N/A -11.95% 5.14% N/A -11.28% -6.78% N/A N/A
(6/5/2017)
Page 12 of 15
MYLIFECHOICE 10
Notes:
1. The fund figures reflected above are not indicative of future performance. You should be aware that the
price of units per share and the potential income from them may go up or down depending on market
conditions and thus, are not guaranteed.
2. Average Annualized Performance for 1-year, 3-years and 5-years’ intervals shown in the tables above represent
the indicated Fund’s Average Annualized Performance using ANY 1-year interval, 3-years interval and 5-years
interval, respectively since inception of the funds.
3. The figures are exclusive of charges which will vary depending on the AXA Product where this fund will be used.
4. Philippine Peso Liquidity Fund is available for fund switching only.
5. Additional fund management charges may be deducted from certain funds. Please refer to the individual Fund
Fact Sheets available at www.axa.com.ph for more details.
Certified true and correct:
Ronaldo C. San Jose
Chief Financial Officer
Page 13 of 15
MYLIFECHOICE 10
DECLARATION AND ACKNOWLEDGEMENTS

Declaration
1. It is in my understanding that the total premium I am going to pay when I purchase this plan shall consist of the
MyLifeChoice premium, plus regular Top-Up premium, and/or supplementary premiums shown above, if any. I was
also made aware that only the MyLifeChoice premium and Top-Up premium will be allocated to purchase units of
the investment fund I will choose.
2. I confirm having read and understood the information presented in this proposal. I also confirm that I will fully
assume all investment gains and/or risks associated with the purchase of this plan. My Financial Advisor/Financial
Executive fully explained to me the features and charges that will be made on my plan, and that the actual variable
plan benefits will reflect the actual investment experience of the separate account into which my fund is invested.
Acknowledgement of Variability: Variable Life Insurance Plan

I acknowledge that:
I have applied with AXA Philippines for a Variable Life Policy, and have reviewed the illustration/s that shows how a
variable life insurance Policy performs using AXA Philippines’ assumptions and based on Insurance Commission’s
guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the
actual performance at that given period and that the value of my Policy could be less than the capital invested. The unit
values of my Variable Life Insurance are periodically published.
I understand that the investment risks under the Policy are to be borne solely by me, as the policyholder.
Data Privacy
Any of my/our personal information collected or held by AXA Philippines (whether contained in the application/s or
otherwise), may be used in connection with matching for whatever purpose with such other personal information and/or
may be used, stored, disclosed, transferred (whether within or outside the Philippines) to such persons as AXA Philippines
may consider necessary, including without limitation but not limited to any of its affiliated or related companies, or any
individuals/organizations corporations/entities associated with AXA Philippines:
a. To process and deal with my application/Policy;
b. To provide all services related to my application/Policy, to promote other products/services by AXA Philippines and
its affiliated or related companies/entities, and to process my information for product development and for
marketing purposes;
c. To communicate with me for any purpose and/or to comply with the laws of any applicable jurisdiction.
I/We understand that we have the right to access our personal information at any time; correct or rectify any information
collected or held by AXA Philippines which are inaccurate, false, or incomplete; object in case of any unauthorized
collections; erase or block information which is incomplete, outdated and false; and such other rights as may be available
under the Data Privacy Act.
Page 14 of 15
MYLIFECHOICE 10
Product Transparency Declaration

By signing off on the items listed below, I acknowledge that the product has been discussed with and thoroughly explained
to me.
· I understand that I am buying an investment-linked insurance product
· I understand that the principal and earnings are not guaranteed and the net asset value per unit (NAVPU) may go
up or down depending on the performance of the separate funds.
· I understand that the funds will be invested in equities and/or bonds or a combination thereof, and will be subject
to changes in market conditions.
· The available funds and the risks that they bear have been thoroughly discussed with me, and I have made my
fund allocation decision based on my own judgement of and tolerance for these risks.
· I understand that this product is appropriate for a long-term investment horizon.
· I understand that I will have zero withdrawal value during the first two years of the Policy because the amount
withdrawn will be subject to 100% surrender charge.
CONFORME:
These declarations and acknowledgements are made with the
knowledge of the AXA representative whose signature appears
below:
Applicant/Policyowner Date Financial Advisor/Financial Executive Date

Signature over Printed Name Signature over Printed Name
TO BE FILLED UP BY AXA PHILIPPINES

These declarations and acknowledgements are valid for the following Policy/Policies with Policy number/s:
Disclosure of Conflict of Interest

The Company adopts a Conflict of Interest Policy and undertakes to disclose any material information which gives rise to
actual or potential conflict of interest to our customers. Company likewise takes all reasonable steps to ensure fair
dealings with our customers.
General Disclaimer
· All information and opinions provided are of a general nature and for information purposes only. The information
and any options herein are based upon sources believed to be reliable. AXA Philippines, its officers and directors
make no representations or warranty, expressed or implied, with respect to the correctness, completeness of the
information and opinions in this document. Investment or participation in the Fund/s is subject to risk and possible
loss of principal. Please carefully read the Policy and endorsements and consider the investment objectives, risks,
charges and expenses before investing. You should seek professional advice from your financial, tax, accounting
or legal consultant before making an investment. Past performance is not indicative of future performance.
THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE
CORPORATION (PDIC) AND IS NOT GUARANTEED BY METROBANK NOR PSBANK.
Page 15 of 15
Reference Number: 32886-202011080121-3-02
FINANCIAL UNDERSTANDING SUMMARY
Dear PAUL JOEY
Thank you for providing us with relevant information with regards to your financial needs.
Based on your current financial situation, which includes, among others, your personal
monthly gross income of 62,500.00, and after taking into consideration your objectives, risk
profile and priorities, you have selected MyLifeChoice 10 for your Major Investment need.
The details of your insurance coverage and your insurance premium are summarized in your
MyLifeChoice 10 sales illustration.
DE VERA, JOYLIN PAULA MENDOZA

43237
32886
639175055194
This document is not intended to be a part of your sales illustration of your application form. This is a
summary of the financial needs that you have provided during assessment by your distributor.

Living Benefits: Your Plan Also Comes With The Following Benefits

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Living Benefits: Your Plan Also Comes With The Following Benefits

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Dear PAUL JOEY CRUZ CHUA,

Your Benefit (Account Value)

At year 10 At year 15 At age 65

At 4.00% annual rate of return 448,639 540,089 1,073,800

Your Loved Ones (Death Benefit)

Day 1 At year 10 At year 15

At 4.25% annual rate of return 1,000,000 1,000,000 1,000,000

Total Death Benefit Annual Regular Top-up Lump Sum Top-up

Your plan also comes with the following benefits:

At Policy Year 15,

35,000 20% of your basic

Fund Allocation and Available Funds

Equities Balanced Bonds

Philippine Wealth Philippine Wealth Bond

Philippine Wealth Equity AXA Target Date Fund

AXA Target Date Fund

Spanish American AXA Target Date Fund

AXA Target Date Fund

i. All premiums are paid in full when due and as scheduled.

Plan Summary (in PHP)

Accidental Death and Disability

You also enjoy these unique offerings:

The value of your Start Up bonus will be vested accordingly:

Vesting Year* Start Up Bonus

DE VERA, JOYLIN PAULA MENDOZA

Maximum Sum Insured Annual Premium

MyLifeChoice 10 90 1,000,000 50,000.00

Supplements (additional benefits):

Secure - accidental death and dismemberment 70 1,000,000 0.00

You may also pay your premium in the following modes:

Premiums are paid depending on your chosen premium payment schedule. In

*Additional premium is still subject to premium charges.

ILLUSTRATION OF BENEFITS (in PHP)

1 50,000 35,000 25,903 1,000,000 25,971 1,000,000 27,540 1,000,000

Current rates are derived as follows:

3. All payments and benefits shown are in Philippine Peso.

5. The illustrated values are NET of:

SUPPLEMENTARY ILLUSTRATION OF BENEFITS (in PHP)

TYPE OF INJURY % of SECURE

· Permanent loss of:

· Fractured leg or patella 10%

(1) self-inflicted injury, suicide or any attempt thereat; or

HISTORICAL FUND PERFORMANCE (as of January 31, 2020)

Certified true and correct:

Ronaldo C. San Jose

Chief Financial Officer

DECLARATION AND ACKNOWLEDGEMENTS

Acknowledgement of Variability: Variable Life Insurance Plan

Product Transparency Declaration

· I understand that I am buying an investment-linked insurance product

· I understand that this product is appropriate for a long-term investment horizon.

Applicant/Policyowner Date Financial Advisor/Financial Executive Date

TO BE FILLED UP BY AXA PHILIPPINES

Disclosure of Conflict of Interest

FINANCIAL UNDERSTANDING SUMMARY

Dear PAUL JOEY

DE VERA, JOYLIN PAULA MENDOZA

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