Investments

Rev up
your returns
AXA WEALTH ACCELERATE
A flexible Investment-Linked
Plan that accelerates your
wealth accumulation by
rewarding you with
multiple bonuses.
Grow your wealth with more confidence.
AXA WEALTH ACCELERATE is built to
reward, giving you bonuses throughout
your investment horizon to boost your
returns, as well as the flexibility to cater
to your financial goals.
An extra boost to achieve higher goals
Rewards along your investment journey through multiple bonuses
• Start-up Bonus1
Receive a Start-up Bonus of up to 200% of annual premium across
the Initial Contribution Period (ICP) of three to five policy years to
help you kick-start your investment journey
• Power-up Bonus2
Receive a Power-up Bonus of up to 1.3% p.a. of Account Value from
Policy Year 15 until the end of the Minimum Investment Period (MIP)
• Loyalty Bonus3
Receive a Loyalty Bonus of up to 1.1% p.a. of Account Value
throughout the policy term starting after the end of MIP
A flexible plan that caters to your needs
• Select from 5 MIP options: 10, 15, 20, 25 or 30 years
• Choose to invest in SGD or USD
• Available from a minimum monthly premium of S$300
• Accelerate your investment by adding Recurring Single Premium
and/or Top-ups4 to your investment at any time
• Access your account value through Partial Withdrawal at no cost –
for up to the first five requests12 after ICP till end of MIP and
after MIP
• Take a premium holiday5 whenever you need one – up to total
aggregate of 60 months during MIP, and unlimited after MIP
Diversified range of investment funds for higher returns
A wider selection of more than 90 unique investment-linked funds
from varying industries and geographical sectors.
2 3
Protection for you and your loved ones
• Provide you with coverage against Death6 and Terminal Illness
• The Life Replacement Option7 allows you to replace the life
assured with your spouse or child, as a way of wealth transfer to
your loved one
Hassle-free experience
No medical check-up is required when you sign up for this plan.
Why it pays to start investing early
Manage your risks over time
Although short-term investments may yield higher returns, long-term
investments provide more time for recovery in case anything goes wrong.
Take advantage of the compounding effect
When you re-invest your returns, your return-on-investment increases
exponentially.
Cultivate a healthy financial discipline
Setting aside an investment budget helps you to monitor your spending
habits by cutting out unnecessary expenses.
Empowers you to live a better life
Growing your investments over time offers you more opportunities to enjoy
the finer things in life with the ones you love, and helps you to prepare for
your retirement.
These are opinions expressed by AXA Insurance Pte Ltd and experience(s) may
vary from individual to individual.
 Illustration 1: How AXA Wealth Accelerate builds up retirement funds Illustration 2: How AXA Wealth Accelerate prevents disruptions to
your financial and legacy planning
Eva, aged 30, purchases AXA Wealth Accelerate with the intention of
accumulating wealth for her retirement at age 60. She pays a monthly Jacob, aged 40, purchases AXA Wealth Accelerate with 20-year Minimum
premium of S$1,000 over the Minimum Investment Period (MIP) of 30 years. Investment Period (MIP) at a monthly premium of S$1,000 as he is planning
Her Account Value grows faster with Start-up Bonus and Power-up Bonus. to accumulate a retirement sum of S$430,000 in 20 years.
At the end of MIP, she stops paying premium by going on unlimited premium At age 50, Jacob is diagnosed with terminal stage colon cancer. He then
holiday5 and retires. To fund her retirement, she makes a partial withdrawal exercises the Life Replacement Option (LRO)7 to have his wife, Sarah to
of S$24,000 every year from her policy for 20 years. Even at age 80, her policy replace him as the life assured. At the same time, he transfers the policy
fund of S$2,679,7288 can continue to support her golden years. ownership to Sarah as the new policyholder.
When Jacob passes away at age 50, the policy does not terminate due to a
death claim. Instead, Sarah can continue accumulating towards the target
of S$430,000.
Account At the end of MIP, Sarah has the flexibility to stop paying premiums or
Value9
make regular partial withdrawals from the policy, whilst the policy value
1.3% of
Account Value continues to grow.
Power-up Account
Bonus Value9
0.7% of 0.60% of Account Value
Account Value Loyalty Bonus
Power-up
Bonus
Total remaining
200% of Account Value after
First Year regular withdrawals:
Regular Eva stops paying S$2,679,7288 (7.4X of 100% of
Premium premium total premiums paid) First Year
Start-up Regular
Bonus Premium Target reached at Year 20
Start-up Account Value: S$434,83810
Bonus

Jacob exercises LRO

Regular withdrawals for to change life assured
Total premiums paid during MIP of 30 years: to his wife, Sarah and
S$360,000 20 years: Total of S$480,000
(1.33X of total premiums paid) also transfers policy
ownership to her
Policy Year 5 Year 15 Year 30 Year 50 Policy Year / Total premiums paid during MIP of 20 years:
Inception Age 35 Age 45 Age 60 Age 80 Life Assured’s Age S$240,000
Age 30
Policy Year 3 Year 10 Year 15 Year 20 Policy Year /
Inception Age 43 Age 50 Life Assured’s Age
Age 40
Diagram is not drawn to scale and is not reflective of all market conditions. Depending Diagram is not drawn to scale and is not reflective of all market conditions. Depending
on conditions of the market and the level of withdrawals, Account Value may drop to on conditions of the market and the level of withdrawals, Account Value may drop to
zero before age 99. zero before age 99.
4 5
Product Overview

Coverage
Top-Up4 Minimum S$5,000 / US$3,500, in multiples of S$100 / US$100
Min entry age Max entry age up to Policy
Basic Plan
(Attained Age) (ANB) Anniversary
(ANB)
Recurring
Please refer to SGD: Minimum S$100 per month, in multiples of S$100
Death Benefit 1 month 99 Single
table below
Premium USD: No RSP is allowed for USD policy
Terminal (RSP)4
18 65 99
Illness Benefit

Eligible Maximum Entry Age • Minimum withdrawal amount = S$1,000/ US$700 per
Entry Age Life Assured: 70 ANB, subject to Entry Age + MIP ≤ 80 years) withdrawal
Policyholder: 99 ANB
• During MIP: Partial Withdrawal allowed from Accumulation
Units Account (AUA)11, at a Partial Withdrawal Charge
Minimum Investment Period (years) Maximum entry age
Partial • After ICP till end of MIP: Free Partial Withdrawal Benefit12
10 70
Withdrawal applies for up to first five Partial Withdrawal requests. Any
15 65 subsequent Partial Withdrawal will be subjected to a Partial
20 60 Withdrawal Charge
25 55 • After MIP: Partial Withdrawal allowed from both Initial Units
Account (IUA)13 and Accumulation Units Account (AUA)11, at
30 50
no charge

Minimum Allowed after the end of the MIP*

Investment 10, 15, 20, 25, 30 years
Regular Minimum Regular Withdrawal Amount
Period
Withdrawal
Frequency S$ US$
Regular
Coverage Withdrawal Annual 1,200 840
Whole of life (till age 99), for as long as the policy is in force
Period Semi-Annual 600 420
Quarterly 300 210
Whole of life (till age 99) Monthly 100 N.A
Minimum Regular Premium
Payment Frequency
S$ US$ • Premium holiday5 is allowed after ICP, for up to total
Regular Annual 3,600 2,520 aggregate of 60 months
Premium
Semi-Annual 1,800 1,260 Premium • Premium Reduction is allowed after ICP, for up to maximum
Flexibility of 25% of the original Regular Premium committed at the
Quarterly 900 630
Commencement Date, subject to the minimum Regular
Monthly 300 Not Allowed Premium as determined by the Company from time to time

* As long as the policy is in force

6 7
Summary of Fees and Charges

• The Account Maintenance Fee is payable from the At any time during the MIP, an EEC will be imposed on
Account IUA during the MIP. There is no AMF after the end the IUA upon any of the following events:
Maintenance Fee of MIP (i) Surrender of the Policy,
(AMF) • Monthly AMF = (3.4% / 12) x the Account Value of the (ii) Termination of the Policy (other than Death or
IUA as of the due date for the AMF Terminal Illness of the Life Assured),
• The IMF is payable during the Policy Term and as (iii) Regular Premiums due remain unpaid after the
Investment long as the Policy is in force Grace Period during the first 36 months (for MIP
Management Fee Early Encashment 10, 15, 20), first 48 months (for MIP 25), or first 60
(IMF) • Monthly IMF (1% / 12) x the AUA Value as of the due
Charge (EEC) months (for MIP 30) from policy commencement
date for the IMF
date; or
The Switching Fee is currently waived. We reserve (iv) Premium Holiday period is exceeded and Regular
the right to impose a Switching Fee by notifying you Premiums due remain unpaid after the
Switching Fee
in writing of any such variation with at least one (1) Grace Period.
month prior notice
The EEC is calculated based on the following formula:
The Redemption Fee is currently waived. We reserve EEC = applicable EEC rate x the Account Value of the
the right to impose a Redemption Fee by notifying you IUA at the point the EEC is imposed
Redemption Fee
in writing of any such variation with at least one (1)
month prior notice
• BRC is imposed upon each Regular Premium
• Partial Withdrawal Charge is imposed upon each reduction during the MIP
Partial Withdrawal made during the MIP • BRC will be deducted from the IUA when the
Bonus Recovery
• No Partial Withdrawal Charge applies if the Partial Charge (BRC) reduced Regular Premium takes effect (i.e. the
Withdrawal is made after the end of the MIP Regular Premium due date immediately following
Partial Withdrawal Charge Rate: the date on which the Company has approved the
application)
Partial Partial Withdrawal Charge Rate
withdrawal
made in the IUA AUA No charge for Regular Premium, Top up, Regular
Premium Charge
Partial Withdrawal Policy Year Single premium
Charge (PWC) N.A
During ICP 7% Fund Management
Partial withdrawal As per selected fund
is not allowed Charge
N.A
After ICP to
Partial withdrawal 7%#
end of MIP
is not allowed
No Partial No Partial
After
Withdrawal Withdrawal
end of MIP Charge Charge

#
No PWC for up to the first five Partial Withdrawals as per the Free Partial
Withdrawal Benefit12
8 9
Footnotes
1. Start-up Bonus = applicable Start-up Bonus rate x Regular Premium for the 1st Policy Year 6. For death occurring before the Policy Anniversary nearest to the Life Assured’s
Applicable Start-up Bonus rates: 66th birthday, we pay both:
Minimum Investment Period (MIP) i) 101% of (Total Account Value)
ii) 15% of (Total Account Value - Top-ups - RSPs), capped at S$500,000 / US$350,000
10 Years 15 Years 20 Years 25 Years 30 Years
Less outstanding fees and charges
Year 1 2% 15% 20% 25% 30%
For death occurring on and after the Policy Anniversary nearest to the Life Assured’s
Year 2 1% 25% 40% 40% 40% 66th birthday, we pay:
Year 3 1% 25% 40% 40% 40% i) 101% of (Total Account Value)
Less any outstanding fees and charges
Year 4 40% 40%
Year 5 50% 7. Life Replacement Option allows the policyholder to replace the life assured with his/
Total 4% 65% 100% 145% 200% her spouse or child below 18 years old.
8. The account values are illustrated under the assumption that the selected funds
2. Power-up Bonus = (applicable power-up bonus rate / 12) x the prevailing Total perform at 8% investment return. At 4% illustrated investment return, the account
Account Value value is S$465,207 at Policy Year 50.
Applicable Power-up Bonus rates are based on selected MIP:
9. The Projected Account Value is subject to performance fluctuations of the
Minimum Investment Period (MIP) funds selected.
Premium Tier 10 Years 15 Years 20 Years 25 Years 30 Years
10. The account values are illustrated under the assumption that the selected funds
Less than S$9,600 / perform at 8% investment return, assuming no withdrawals, reduction in premium,
0.65% 1.00% 1.25%
US$6,720 or premium holidays have been made.
N.A
S$9,600 / US$6,720 At 4% illustrated investment return, the account value is S$286,972 at Policy Year
0.70% 1.05% 1.30%
and more 20, assuming no withdrawals, reduction in premium, or premium holidays have
been made.
Upon Partial Withdrawal, premium reduction and premium holiday, no Power-up
Bonus will be given to the Policy in the next subsequent twelve (12) Policy months. 11. AUA refers to the account to which the Power-up Bonuses, Loyalty Bonuses, Top-
up Premiums, Recurring Single Premiums, and Regular Premiums after ICP period
3. Loyalty Bonus = (applicable loyalty bonus rate / 12) x the prevailing Total are allocated.
Account Value
12. Each Partial Withdrawal made under the Free Partial Withdrawal Benefit is subject to
Applicable Loyalty Bonus rates are based on selected MIP:
the following conditions.
Minimum Investment Period (MIP)
10 Years 15 Years 20 Years 25 Years 30 Years MIP 10 Years 15 Years 20 Years 25 Years 30 Years
0.00% 0.20% 0.60% 0.90% 1.10% Maximum Number of
2 2 2 3 5
Free Partial Withdrawal

Upon Partial Withdrawal, no Loyalty Bonus will be given to the Policy in the next Each Free Partial Withdrawal is capped at two (2) times the Annualised Regular
subsequent twelve (12) Policy months. Premium applicable at point of exercise. This means if you have reduced your
Annualised Regular Premium, each of your Free Partial Withdrawal amount is capped
4. Recurring Single Premiums and/or Top-ups will be 100% allocated to the AUA, at no at two (2) times of the reduced Annual Regular Premium. Upon each exercise of this
sales charge. All monies in the AUA, including RSPs and Top-ups, will be subject to benefit, no Power-Up Bonus or Loyalty Bonus will be given to the Policy in the next
IMF and PWC, when applicable. subsequent twelve (12) Policy months.
5. All applicable fees and charges will still be deducted during Premium Holiday. 13. IUA refers to the account to which Start-up Bonuses and Regular Premiums during
the ICP period are allocated.
Refer to the specific terms and conditions in the product summary.
10 11
Important information
This plan is underwritten by AXA Insurance Pte Ltd (“AXA”). This brochure is not a contract
of insurance and not for use outside Singapore. The precise terms and conditions are
specified in the policy contract.
This brochure is for your information only and does not have any regard to your specific
investment objectives, financial situation or particular needs. You may wish to seek
advice from a financial consultant before making a commitment to buy the product, and
if you choose not to seek advice, you should consider whether the product is suitable
for you.
Buying a life insurance policy is a long-term commitment. An early termination
usually involves high costs and the surrender value payable may be less than the total
premiums paid.
Buying an Investment-Linked Policy (“ILP”) comes with investment risks, as the value
of units in the ILP Sub-fund(s) and income accruing to the units, if any, may rise or fall,
which may lead to possible loss of the principal amount invested.
A Product Summary with details on product features and charges and a Product
Highlights Sheet in relation to the ILP Sub-fund(s) are available and may be obtained
from a financial consultant representing AXA. You should read them before deciding
whether to subscribe for units in the ILP Sub-fund(s).
Protected up to specified limits by SDIC.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
All information is correct as of 25 March 2020.

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Contact Us
1800 880 4888 (Singapore)
65 6880 4888 (International)
customer.care@axa.com.sg
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AXA Insurance Pte Ltd
(Company Reg No. 199903512M)
8 Shenton Way #24-01 AXA Tower
Singapore 068811