2022 NA Management of Sustainability of Cover (MSC) and Automatic Extension of Coverage Term (AECT)

Updates on BNM’s
requirements on
Investment-Linked
Business
July 2021
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not for distribution.
DISCLAIMER
For internal staff and agent training only. This document is not a
sales material and cannot be used for circulation to prospects. It
serves only as a training guide to the agent in the selling concept
of the products mentioned. In the actual selling process, the
customer’s needs, affordability and preference must be
considered to deliver fair value to the customer. The detailed
product benefits and cost must be explained to help customers
make informed decisions. Only AIA authorized sales materials are
to be used when prospecting.
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
CONTENTS
1 Management of Sustainability of Cover
2 Automatic Extension of Coverage Term
3 Requirements for Sales Illustration
• Sales Illustration Format
• Illustration Projection Rates
• Option to Project Sufficient Account Value Up
to Coverage Term at iPoS
4 Annual Financial Statement
Sustainability Projection Tool (in ALPP)
6 Sustainability Information (in MyAIA)
AIA confidential and proprietary information. Not for distribution.
Bank Negara Malaysia (BNM) Requirements on ILP Business
WHY?
REFFERING TO BNM’s Requirements:
• To enhance product transparency and
disclosure to protect the interests of policy
owners/takaful participants.
• To better manage policyowners expectations on
returns in investment-linked policies.

1
MANAGEMENT OF
SUSTAINABILITY OF COVER

Management of Sustainability of Cover (MSC)
WHAT?
At Point of Sales Post-Sales
1 2 3
Inform customers, the status of their

For Investment-linked policies Explain & policy sustainability:
sold on
CLICK TO andTITLE
EDIT after 1 July provide ILP 1. on an annual basis (refer to
2019, the premium is set at a EDUCATION section 4 - Annual Financial
level where the policy is GUIDE Statement)
expected to be sustainable
2. When customers perform partial
until the end of its
withdrawal, add riders etc.
contractual term.
(refer to section 5 - Sustainability
Projection Tool)
2
AUTOMATIC EXTENSION
OF COVERAGE TERM

What is Automatic Extension of Coverage Term?
On the policy’s maturity date, Automatic Extension of Coverage Term (AECT) allows:
• basic plan to continue until the Insured attains age 100 years old
• attached riders are allowed to continue to their respective maximum coverage ages
This is provided, that there is sufficient account value to cover the policy charges.
A-LifeLink 2 A-Life Joy 2 A-LifeLink-i A-Life Wealth Care A-Life Wealth Builder
3 Sep 2019 3 Sep 2019 3 Sep 2019 3 Jan 2020 1 Jan 2021
Withdrawn Withdrawn
How does the Automatic Extension of
Coverage Term work?
Submissions before 1 June 2021
Applicable for Policy Term
@ Age 70/ @ Age 80/ 25 years
Regular premium payable until end

of premium payment term
Opt-in at Point of Sales or after

sales with underwriting
Opt-out at anytime
Extension of basic plan to age

100 and riders to respective
maximum coverage terms
Effective 1 June 2021, changes are required for
Automatic Extension of Coverage Term:
Submissions before 1 June 2021 Submissions from 1 June 2021 onwards
Applicable for Policy Term Applicable for Policy Term
@ Age 70/ @ Age 80/ 25 years @ Age 70/ @ Age 80/ 25 years
Regular premium payable until end Regular premium payable until end
of premium payment term of premium payment term
Automatic Extension of Coverage Term

Opt-in at Point of Sales or after is part of product features (no longer an option)
sales with underwriting
Withdrawal at anytime (re-application
Opt-out at anytime for Automatic Extension of Coverage
Term is not allowed after that)
Extension of basic plan to age Extension of basic plan to age
100 and riders to respective 100 and riders to respective
Investment Linked Plans with Automatic Extension
of Coverage Term (1 June 2021 onwards)
Applicable for Policy Term
A-LifeLink 2
@ Age 70/ @ Age 80/ 25 years
A-Life Joy 2
Regular premium payable until end

of premium payment term
A-Life Wealth Builder
Automatic Extension of Coverage Term
is part of product features
Withdrawal at anytime (re-application
for Automatic Extension of Coverage
Term is not allowed after that)
Extension of basic plan to age
100 and riders to respective
Important note: When Welcome Call is conducted for these products, customers will be
assessed on whether they adequately understand the automatic extension of coverage term.
Changes to iPos User Interface
(1 June 2021 onwards)
Removed this option as it

is now part of product
features

Submission Date 1 June 2021
Automatic Extension of Coverage Term: Automatic Extension of Coverage Term:

Opt-In at Point of Sales or after sales Part of product features
A-LifeLink 2 A-Life Joy 2 A-Life Wealth Builder A-LifeLink 2 A-Life Joy 2
A-Life Wealth Care A-Life Wealth Builder

A-LifeLink-i

3 Requirements for ILP Sales Illustration
WHAT?
1 2
Sales Illustration (SI) & Illustration

Product Disclosure Sheet (PDS) Projection Rates
Format

Sales Illustration (SI) &
1 Product Disclosure Sheet (PDS)
Format
Page 1 of Sales Illustration Format
Attention to
1 customers on the
features of an
investment-linked
policy.

Disclosure on
2
4 2 benefits and risks
of an investment-
linked policy.
Highlight to
3 customers on other
insurance product
types.
3
Flow chart on the
4 structure of an
investment-
linked policy.

5 Summary of
Benefit table
showing the
attached riders
and coverage
amounts provided
under the policy

6
Disclosure related to the
6 investment rates of
return used to illustrate
the cash flows
movements under 2
different investment
return situations.
Scenario X (low
scenario) = 2% p.a.
Scenario Y (high
scenario) = 5% p.a.
The investment returns
rates used do not
indicate the future actual
returns of the chosen
investment fund(s).

7
7
Information on
investment fund(s)
selected is available in
fund fact sheet(s)
attached to quotations
generated from iPoS.
Important : Submission
of fund fact sheet(s) for
investment-linked
proposals (together
with SI, PDS and ILP
Guide) is COMPULSORY
from 1 January 2020
onwards.

Highlight to
8
8 customers on the
following key
information
- Premiums to be
paid by customers
- Riders have
additional costs
and are optional
- Amount received
at maturity of
early surrender is
not guaranteed

9
Illustration of cash flows
are up to end of policy
contractual term
Illustration is as follows:
i. Yearly (Policy Year 1 –
10) ;
9
ii. Policy Year 15; and
iii. Every 10 years from
Policy Year 20 and
above until maturity.

10
Illustration of combined
10
Protection and Savings
Account.
Note:
▪ Addition of % of
allocated premium
(weighted if A-Plus
Saver is attached)
▪ Addition of % of total
commission (weighted
if A-Plus Saver is
attached)

11
Highlight that policy will
lapse if the non-
guaranteed account
value is zero or negative.
11 12
12 Highlight to customers
that surrender charge
applies if policy
surrendered within first
2 policy years.

13
13
Illustration of Protection
Account

14
Illustration of Savings
14
Account

15
15
Description on the rider(s)
16
type i.e. unit deducting,
and the selected rider’s
sum assured and coverage
period.
16
Illustration of the
individual cost of
insurance for unit
deducting rider(s)
attached.

17
Applicant’s Confirmation
17 page for customers to
acknowledge that they
understand the SI and
PDS that have been
presented as well as its
limitations.

Only for ILPs with Automatic Extension
Question 3 of Product Disclosure Sheet of Coverage Term (AECT) Feature
3. How much premium do I have to pay?

The total premium that you have to pay and the policy terms may vary depending on AIA Bhd.'s underwriting requirements.
The estimated premiums are as below depending on the respective coverage durations:
Current Selection Alternative 1 Alternative 2
Coverage up to age 100 (contractual
Coverage up to age 70 (contractual
Coverage Coverage up to age 70 (contractual term) for Basic Plan and respective
term) + Automatic Extension of
duration term) maximum coverage age of the
Coverage Term
attached riders (if any)
Premiums RM 2,900 annually payable from age RM 5,252 annually payable from age RM 5,216 annually payable from age
payable 30 to age 70 30 to age 70 30 to age 100
This shows the selected premium payable This shows the suggested premium This shows the
for the applicable premium payment payable for the applicable premium suggested premium
term, projected to at least sustain the payment term, projected to sustain payable for the policy if
policy to the selected maturity age the policy to the end of the coverage the selected coverage
(without considering the AECT) term (with consideration of the AECT) term is until age 100
Note: based on male
AIA confidential non-smoker,
and proprietary information. Notage 30 of standard health with A-LifeLink 2 (RM100k), A-Plus Health (Plan 200, 300 Deductible),
for distribution.
A-Plus CriticalCare (RM100k), A-Plus Waiver.

Illustration
2 Projection Rates
ILLUSTRATED INVESTMENT
RETURNS
Fund type BEFORE 1 JAN 2020 1 JAN 2020 ONWARDS
High
Scenario Low Low High
1-20 years >20 years
Equity 2% 9% 6% 2% 5% or Y%*
Managed 3% 8% 5.5%
2% 5%
Bond 4% 7% 5%
*10-year average historical FTSE Bursa Malaysia KLCI returns for the first 20 years, and 5% thereafter. Provided all of the cost
of insurance is guaranteed.
Note:
* The Sales Illustration rate of 2% (low) and 5% (high) are for projected illustration purposes only per regulatory guideline.
* The actual returns on the funds depends on the actual market performance of the funds.

SCOPE
All products affected by Illustration Projection Rates
(as at 30 June 2021):
Conventional Takaful
❑ A-LifeLink 2 ❑ A-EnrichGold-i
❑ A-Life Joy 2
❑ A-Life Wealth Builder
❑ A-Life Wealth Premier
❑ A-EduAchieve 2
❑ A-Life Infinite
❑ A-Invest Link
❑ A-EnrichGold
❑ A-Enrich Wealth

HOW DOES THIS IMPACT THE ILLUSTRATION FOR INVESTMENT-
LINKED PRODUCTS?
ILLUSTRATED
BY ILLUSTRATING POLICY
ACCOUNT VALUE
5% SUSTAINABILITY
2%
ALL FUNDS

Q: Why we don’t provide guaranteed cost of insurance
so that we can illustrate at Y%* for Equity funds?
A: Providing guaranteed cost of insurance

will lead to higher premiums. It is also
difficult to assume medical inflation cost
for medical plans.
*10-year average historical FTSE Bursa Malaysia KLCI returns for the first 20 years, and 5% thereafter. Provided all of the cost of
insurance is guaranteed. Only applicable for Equity funds

Q: Why does account value projection show zero even
though premiums paid supposed to sustain up to maturity?
A: The investment returns rates used to determine

premium that is sustainable up to policy contractual
term is DIFFERENT (i.e. higher) compared to the
investment returns used to illustrate the cash flows
Premium is quoted based on AIA’s Approved

Policy Sustainability Investment Returns (IR) where policy is
projected to be sustainable until maturity.
As per Policy Document on ILP Business

guidelines, the AV projection is required to
Illustration Table illustrate based on Projection Rate of 2%
(Scenario X) and 5% (Scenario Y) in SI

Option to Project Sufficient Account Value Up to
The Selected Coverage Term At iPoS
➢ A-LifeLink 2
➢ A-Life Joy 2
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Option to Project Sufficient Account Value Up to Coverage Term At iPoS
iPoS has an option to quote the premium to MEET DIFFERENT NEEDS.
A) If select “YES”, iPoS shall ensure the premium quoted is able to project sufficient Account Value until
the end of the chosen term, based on High Scenario under the Sales Illustration;
B) If “NO” is selected, the CURRENT policy sustainability requirement is applied. NO CHANGE ON THE
BASIS.
1
Project sufficient account value up
to coverage term *

If A-Plus Saver is NOT opted or opted A-Plus Saver WITHOUT cross-subsidy
2a consent, the minimum Annual Premium* will be suggested if the premium is
insufficient.
* The basis to calculate the Annual Premium is based on the option selected, either A) or B) as
per previous slide
1 1
Project sufficient account value up Project sufficient account value up
to coverage term * to coverage term *
NO YES
Estimated AP is RM3,600 to maintain the requested Estimated AP is RM3,900 to maintain the requested
coverage. coverage.

For customer that has opted A-Plus Saver with cross-subsidy consent, the minimum
2b A-Plus Saver* will be suggested if the premium is insufficient.
* The basis to calculate the A-Plus Saver amount is based on the option selected, either A) or B) as
per previous slide
1 1
Project sufficient account value up Project sufficient account value up
to coverage term * to coverage term *
NO YES
To maintain the requested coverage: Minimum A-Plus Saver To maintain the requested coverage: Minimum A-Plus Saver
(cross support) = 612 from Policy Year 1 onwards (cross support) = 720 from Policy Year 1 onwards

4
ANNUAL FINANCIAL STATEMENT

Background
ILP Guidelines:
1. Insurer/Takaful Operator to perform policy sustainability test:
a) At least annually via Financial Statement; and
b) In the event that the policy/certificate owner make an alteration to the policy
2. Details required to be printed on the Sustainability Financial Statement and subsequent Financial
Statement:
a) Estimated Sustainability Date & Age
b) Recommended Schedule Top Up/Ad-Hoc Top Up amount in the event that policy/certificate unable to
sustain till end of policy/certificate term
3. Sustainability Financial Statement:
a) Available in ALPP/UBP/MyAIA for self serve
b) One-off notification (via E-Mail/SMS/Hardcopy) to policy owner/insured prior statement send out

Annual Financial Statement
Page 1 Con’t Con’t

For all statement types (Type A, B, C1 & C2):

Modal Premium + SST (if any)
Maturity Date / Risk Cessation Date
Estimated Sustainability Date
Estimated Sustainability Age

Annual Financial Statement (Type A)
(Estimated Sustainability Date = Maturity Date/Risk Cessation Date)
1. Type A statement will be generated if:

a) Estimated Sustainability Date = Policy
Maturity/Risk Cessation Date
b) Policy sustainability test indicate that the
insurance coverage is able to continue till end
of policy term
2. Sample Type A Statement:
Refer to Appendix “Sample Statement Type A”

Annual Financial Statement (Type B)
(Estimated Sustainability Date < Maturity Date/Risk Cessation Date)
1. Type B statement will be generated if:
a) Estimated Sustainability Date < Policy Maturity/Risk Cessation
Date
b) Policy sustainability test indicate that policy will lapsed earlier
than expected
c) Regular Premium Products (except A-Life Signature Series
product)
2. Note: Possible causes of why the insurance coverage not able

to continue till end of policy term is mentioned in “red” box
Some factors that may impact the policy sustainability are:
• Making partial withdrawals
• Exercising premium/contribution holiday
• Increasing coverage (sum assured/sum covered or adding riders)
without increasing the premium/contribution.
• Increase in insurance charges for the policy/certificate but customer
continued to pay the same premium/contribution despite the increase
in insurance charges
• Lower than expected investment returns on the investment funds

3. Type B statement contains 3 Options.

4. Option 1 - Extend coverage term via STU:
a) Estimated STU amount to extend coverage till age 70
b) Estimated STU amount to extend coverage till age 80
c) Estimated STU amount to extend coverage till policy
maturity date/risk cessation date
Notes:
i. STU column will display “N/A” if the coverage term not applicable for
the policy.
• E.g. A-Edu Achieve. Matures at age 25. STU amount will display
at column “c” (Till Age 25). N/A will display at column “a” (Till Age
70) and “b” (Till Age 80)
ii. STU column will display “0.00” if STU is not required or Estimated
Sustainability Age < or = Attained Age.
• E.g.1 – Matures at age 100. Estimated Sustainability Age = 75.
a b c “0.00” STU amount will display at column “a” (Till Age 70).
Recommended STU amount will display at column “b” (Till Age 80)
and “c” (Till Age 100)
• E.g.2 – Matures at age 100. Estimated Sustainability Age = 60.
Attained Age = 71. “0.00” STU amount will display at column “a”
(Till Age 70). Recommended STU amount will display at column “b”
(Till Age 80) and “c” (Till Age 100)

5. Option 2 - Extend coverage term via Ad-Hoc

Top Up (ATU):
a) Estimated ATU amount to extend coverage till age
70
b) Estimated ATU amount to extend coverage till age
80
a b c
c) Estimated ATU amount to extend coverage till
policy maturity date/risk cessation date
Note: ATU column display logic for “N/A” or “0.00” as per STU

6. Option 3 – Consider to reduce sum assured or

delete rider/s
7. Sample Type B Statement :
Refer to Appendix “Sample Statement Type B”
Note: the annual Financial Statement is

AIA confidential and proprietary information. Not for distribution. targeted to be updated on Jan 2022.
Annual Financial Statement (Type C)
1. Type C statement will be generated

if:
▪ Estimated Sustainability Date < Policy
Maturity/Risk Cessation Date
▪ Policy sustainability test indicate that policy will
lapse earlier than expected
▪ Products = A-Life Signature Series + Single
Premium
2. Possible causes of why the insurance coverage not

able to continue till end of policy term is mentioned
in “red” box.
3. Type C statement contains option to Extend

coverage term via Ad-Hoc Top Up (ATU) in ‘green’
box:
a) Estimated ATU amount to extend coverage till
policy maturity date/risk cessation date
Annual Financial Statement (Type C)
4. For Single Premium, there is 1 Option only in statement i.e. Option 1 - Extend coverage term
via Ad-Hoc Top
5. For A-Life Signature Series, there are 2 Options in statement:

a. Option 1 - Extend coverage term via Ad-Hoc Top
b. Option 2 - Consider to reduce sum assured or delete rider/s
6. Sample Type C1 Statement for A-Life Signature Series
Refer to Appendix “Sample Statement Type C1”
7. Sample Type C2 Statement for Single Premium
Refer to Appendix “Sample Statement Type C2”

Assumptions Used to Derive the Recommended STU/ATU * Amount
1. Assumptions used to derive the

recommended STU/ATU amount is
mentioned in ‘red’ box
2. Applicable for statement Type B & C only
❖ STU – scheduled top-up
AIA confidential and proprietary information. Not for distribution. ❖ ATU – ad-hoc top-up
Summary
A. Types of Statement
No. Product Condition (If) Statement Type
Estimated Sustainability Date = Maturity Date/Risk Cessation Date A
1 A-Life Signature Series
Estimated Sustainability Date < Maturity Date/Risk Cessation Date C1
Estimated Sustainability Date = Maturity Date/Risk Cessation Date A
2 Single Premium
Estimated Sustainability Date < Maturity Date/Risk Cessation Date C2
Others Regular Premium Estimated Sustainability Date = Maturity Date/Risk Cessation Date A
3
Products Estimated Sustainability Date < Maturity Date/Risk Cessation Date B
B. Option/s in Statement
(in the event Estimated Sustainability Date < Maturity Date/Risk Cessation Date)
Option/s in Statement
Statement Option to Extend Consider to Cancel
No. Product Option to Extend
Type Coverage via Rider/s or Reduce
Coverage via **ATU
*STU SA
1 A-Life Signature Series C1 N/A √ √
2 Single Premium C2 N/A √ N/A
3 Others Regular Premium Products B √ √ √
*STU = Scheduled Top Up **ATU – Ad-Hoc Top Up
Annual Financial Statement for Automatic Extension of Coverage Term
For policies where Automatic Extension of Coverage Term is applicable, the

Financial Statement & Sustainability Quotation (issued upon policy
alterations*) will include the following disclosures:
▪ Sustainability Information for the policy

▪ Estimated additional top-up premiums to sustain the policy until the
selected policy’s coverage term
▪ Estimated additional top-up premiums to sustain the policy until age 100
(end of the extended coverage term)**
▪ Reminder of the mechanics of the automatic extension of coverage term**
* For policy alterations that impact the policy sustainability require these disclosures.
5
Sustainability Projection Tool

(in ALPP)
Investment-Linked Transactions with Sustainability Tool

01 ALPP - LOGIN

Login
1. Key in “User ID” and “Password”.

2. Tick the “Terms and Conditions” checkbox.
3. Click “Login”.

Sustainability Tool – Entry Point (3 Options)
Option
1
Option 1 : Scroll down to “Quick Links” => Click on “Sustainability Tool”. (Recommended Option)
Option 2 : Go to “My Servicing” => Click on “Sustainability Tool”.
Option 3 : Go to “My Servicing” => Click on “Policy Status Enquiry” => Enquire By Policy
Number => Click on “Sustainability Tool”.

Option
21

Option
213

Sustainability Tool – Policy Search (Entry Point via Option 1)
1. Key in “Policy Number”.

2. Click “Proceed”.

Sustainability Tool – Landing Page
1. Scroll down to “Sustainability Projection” to view sustainability info :

a. Estimated Sustainability Date
b. Estimated Sustainability Age
2. Select any of the “Policy Updates” transaction and Click “Next”.

02 SUSTAINABILITY PROJECTION -
ADD RIDER

Add Rider
1. Scroll down to “Policy Updates”

2. Tick on “Add / Delete / Upgrade / Downgrade Riders” checkbox
3. Click “Next”

Add Rider
1. Click “Add Riders”.

2. “Add Riders” screen will pop up.

Add Rider – Select Life Insured (Option 1)
1. Click on dropdown to select “Life Insured” name.

Add Rider – Add New Life Insured (Option 2)
1. Select “Add New Life Insured” if the life insured for the new rider not found in drop down
2. Click “Next”.
E.g. Jack (1st life insured) wish to add “Spouse Waiver” rider to cover his spouse (Mary). Since Mary does not
exist since inception, you need to add Mary as the new life insured under the policy prior to add rider. System
need Mary’s personal details to calculate the additional premium required and new Cost of Insurance to quote
the sustainability

Add Rider – Add New Life Insured (Option 2)
Add New Life Insured
1. “Add New Life Insured” page will be displayed.

2. Update below details under “Add New Life Insured” section.
(Name, New NRIC / Passport Number, Date of Birth, Gender, Smoking Status, Occupation Selection, Occupation Class)
3. Click “Next”.

Add Rider – Non Medical Rider
Example 1: Add A-Plus WaiverExtra on 1st Life Insured

1. Select “A-Plus WaiverExtra” rider from dropdown list.

Add Rider – Non Medical Rider
A Plus Waiver Extra
1. Update below info under “Basic Plans & Riders” :

i. Mandatory Field - Sum Assured (RM)
ii. Optional Field - Loading, Reason for Loading, Rate Adjustment, Reason for Rate Adjustment

Add Rider – Medical Rider
Example 2: Add A-Plus Health on 1st Life Insured

1. Select “A-Plus Health” rider from dropdown list.

A Plus Health
1. Update below info under “Basic Plans & Riders” :

Optional Field - Loading, Reason for Loading, Rate Adjustment, Reason for Rate Adjustment
2. Update below info under “Medical Component Details”.
Mandatory Field - Room & Board, Type of Plan, Deductible Amount
3. Click “Add Rider”.

1. Click “Next” to proceed if no further change is required e.g. delete newly added rider or add more rider.

Summary Page
1. Click “Quote” to proceed if no further change is required.

Sustainability Projection & Options Page
1-Jan-2060 60 years old 1

Sustainability Projection & Options Page
1. Click “Edit” if further change is required.

2. Click “Export To PDF” if softcopy is required.
3. Click “Print” if hardcopy is required.

DELETE RIDER

Delete Rider

3. Click “Next”

Delete Rider
1. Click “Delete” button.

2. Click “Next” to proceed to “Summary Page”.
3. Next page, click “Quote” to proceed to “Sustainability Projection and Options
Page”.

UPGRADE / DOWNGRADE RIDER (MEDICAL RIDER)

Upgrade / Downgrade Rider

3. Click “Next”

Upgrade / Downgrade Rider
Update “Room & Board”, “Type of Plan”, “Deductible Amount” => Click “Next” => Click “Quote”
in “Summary Page”.

PARTIAL WITHDRAWAL

Partial Withdrawal

2. Tick on “Partial Withdrawal” checkbox
3. Click “Next”

Partial Withdrawal
1,000.00
1. Key in the “Withdrawal Amount”.

2. Click “Next” to proceed to “Summary Page”.
3. Next page, click “Quote” to proceed to “Sustainability Projection and Options Page”.

6
Sustainability Information
(in MyAIA)
MyAIA – Sustainability Information
Sustainability Information
1. Under “My Plans”, click “Sustainability Information”.

MyAIA – Sustainability Information
Information displayed:
1. Estimated Sustainability Date and Age
2. Estimated Additional Schedule Top up and Ad Hoc Top up to sustain insurance coverage until
end of contractual term.
Thank You
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Appendix
90 AIA confidential and proprietary information. Not for distribution.

Sample Statement Type A
[cycle_date]
[owner]
[addr_1] Policy No : [policy_no]
[addr_2] Policy Date : [eff_date]
[addr_3] Premium : [curr] [mode_prem]
[addr_4] Mode : [mode]
[addr_5]
Insured: [insured]
Transaction Type: [tran_type]
Dear [Policy_owner_name],
Your investment-linked financial statement for 2019.
PREMIUM INFORMATION SINCE INCEPTION AMOUNT (Error! Reference source not found.)
Transactions
Total Premium [pa_totprm]
Total Premium Charge [pa_prmchr]
Total Top Up [pa_topup]
Total Top Up Charge [pa_topchr]
Total Premium Invested [pa_invprm]
Total Monthly Policy Charge [pa_mthchr]
Total Fund Switch Fee [pa_totfsf]
Total Auto Re-balancing [pa_totarb]
Total Premium Holiday Charge [pa_prmhol]
Total Withdrawal to-date [pa_wittodte]
Total Withdrawal Charge [pa_witchr]
|060||080|Regular|080||085|Single|085| premium allocation :|060|

[prem_alloc_pro]
|065| [tranxdtl]
[regtopup_desc] premium allocation :|065|
[prem_alloc_sav]
COVERAGE INFORMATION
Benefit Type Amount of Benefit (Error! Effective Date Expiry Date
Reference source not found.) Note:
[coveragedtl]
1. Fund Cash Surrender Value shown above is after the deduction of Surrender Charge as at the Valuation Date, if any. Please
refer to the policy contract for more details on the surrender charges imposed, if any.
BASIC Death Benefit at beginning of [value_date]* Error! Reference source not found. [basdeathben] 2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value paid for the death benefit are subject to
BASIC Death Benefit at ending of [value_date]* Error! Reference source not found. [basdeathben]
the terms and conditions in the contract.
3. Monthly Policy Charge consists of Cost of Insurance, Monthly Service Charge (if applicable), Medical Service Charge (if
* Please refer to the Policy Contract on Death Benefit. It does not include any Supplementary Benefit with Death Coverage. applicable), Policy Expense Charge (if applicable), one-off Policy Fee of RM 100.00 (if applicable) and Govt. Tax (if applicable).
AIA confidential and proprietary information. Not for distribution. P1 P2

Care Line : 1300 88 1899
T : 03-2056 1111
Sample Statement Type A AIA.COM.MY
Update on Policy Sustainability

As your preferred protection partner, we are committed to look after your long-term protection needs. Therefore, we are taking steps
to update you on the sustainability of your policy.
Policy sustainability is the ability of your investment-linked policy to continue providing insurance coverage until the end of the
coverage term. This means that your policy should have sufficient account value to be deducted for cover the insurance charges.
Please refer to the table below for details on the sustainability of your policy:
SUSTAINABILITY INFORMATION AS AT ERROR! REFERENCE SOURCE NOT FOUND.
RM < Current Regular Premium
Current Modal Premium (including SST if any) Amt + Schedule Top Up Amt +
SST (if any) >
Policy Maturity or Expiry Date Dd/mm/yyyy
Estimated Sustainability Date [Value_Sus_date] dd/mm/yyyy
Estimated Sustainability Age [Value_Age] Years old
We are pleased to inform you that based on our current estimation, your insurance coverage is expected to continue till the end of
your policy term. We shall keep you updated on the sustainability of your policy by sending your investment-linked financial
statements annually.
Please note that your policy sustainability may differ from the actual experience as our estimation assumes that:
• you will continue to pay your current premiums by its due date (if applicable), and you will not make any partial / early
withdrawals in the future;
• no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured);
• the fund value to be growing at our best estimate assumption ([FG Rate * fund percentage]%). This does not reflect the
potential volatility over the short term resulting in potential sharp movements, up or down, of the underlying assets of the
funds. The actual return may be lower than the illustrated rates or may even be negative. Actual returns of the fund will
fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in. Changes in fund selection will
impact the level and volatility in investment performance.
If you require any further clarification or assistance, please contact your Life Planner. Alternatively, you may also call our Careline
at 1300 88 1899, e-mail us at My.Customer@aia.com or visit any of our Customer Centres nearest to you.
[agy_loc], ([agy_name]) ([agt_name])/[agy_code]/[agt_code]
[desk_code]
__________________________________________________________________________________________________
<LISTM>
P3
Sample Statement Type B
[cycle_date]
[owner]
[addr_5]
Insured: [insured] POLICY VALUE AS AT ERROR! REFERENCE SOURCE NOT FOUND.

Transaction Type: [tran_type] Bid Price (Error! Total Value (Error!
Fund Portfolio Reference source not Units Reference source not
found.) found.)
Your investment-linked financial statement for 2019. [fund_name] [bidprice] [reqprem_unit] [sur_value]
[fund_name_ttl] [prot_acct_ttl] [totacct_value_ttl]
Transactions Note: You can refer to your fund’s prices published daily in our Company’s website at www.aia.com.my or Berita Harian and New
Total Premium [pa_totprm] Straits Times on the last working day of the month.
Total Top Up Charge [pa_topchr] DETAILS OF ASSIGNEE OR NOMINEE
Total Monthly Policy Charge [pa_mthchr] Name Relationship Address
[nom_name] [nom_rel] [nom_addr]

[prem_alloc_pro]
[tranxdtl]
|065|
[prem_alloc_sav]
Benefit Type Amount of Benefit (Error! Effective Date Expiry Date Note:
Reference source not found.) 1. Fund Cash Surrender Value shown above is after the deduction of Surrender Charge as at the Valuation Date, if any. Please
[coveragedtl]
refer to the policy contract for more details on the surrender charges imposed, if any.
2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value paid for the death benefit are subject to
BASIC Death Benefit at beginning of [value_date]* Error! Reference source not found. [basdeathben]
applicable), Policy Expense Charge (if applicable), one-off Policy Fee of RM 100.00 (if applicable) and Govt. Tax (if applicable).
* Please refer to the Policy Contract on Death Benefit. It does not include any Supplementary Benefit with Death Coverage.

Care Line : 1300 88 1899
T : 03-2056 1111
Sample Statement Type B AIA.COM.MY
Update on Policy Sustainability Option 2: You may choose to extend your insurance coverage term by performing a one-off top-up:
AD HOC TOP UP INFORMATION
to update you on the sustainability of your policy. Till end of
Till age 70 Till age 80 contractual term
Policy sustainability is the ability of your investment-linked policy to continue providing insurance coverage until the end of the (age <maturity age>)
coverage term. This means that your policy should have sufficient account value to be deducted for cover the insurance charges. RM <Ad Hoc Top Up RM <Ad Hoc Top Up RM <Ad Hoc Top Up
Estimated Ad Hoc Top Up to Sustain Policy
Amt> Amt> Amt>
Please refer to the table below for details on the sustainability of your policy: RM <Ad Hoc Top Up Amt RM <Ad Hoc Top Up RM <Ad Hoc Top Up
Govt. Tax for Ad Hoc Top Up
SUSTAINABILITY INFORMATION AS AT ERROR! REFERENCE SOURCE NOT FOUND. SST> Amt SST> Amt SST>
RM < Current Regular Premium Total Ad Hoc Top Up RM <Ad Hoc Top Up Amt RM <Ad Hoc Top Up RM <Ad Hoc Top Up
Current Modal Premium (including Govt. Tax if any) Amt + Schedule Top Up Amt + (including Govt. Tax if any) + SST> Amt + SST> Amt + SST>
SST (if any) > Note: 95% of your Ad Hoc Top Up/ Saver will be allocated to purchase units in the investment-linked fund that you have selected.
Any unallocated amount will be used to pay commissions (3.75%) and other expenses (1.25%).
Estimated Sustainability Date [Value_Sus_date] dd/mm/yyyy Option 3: You may consider reducing your sum assured and/or removing the unit-deducting rider(s) to continue your coverage. A
thorough review with your Life Planner will help you get a better understanding of the coverage you have now, ensuring that they
Estimated Sustainability Age [Value_Age] Years old are in line with your current protection and financial needs.
We wish to inform you that your policy will lapse earlier than expected. The sustainability of your policy could be caused by one or The advised outcome of the above options may differ from the actual experience as our estimation assumes that:
a combination of several reasons below: • you will continue to pay your current premiums by its due date (if applicable), and you will not make any partial / early
• You have exercised premium holidays, i.e. you have stopped making payments when premiums are due; withdrawals in the future;
• You have made partial withdrawals; • no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured) – if
• Lower than expected investment returns on your investment-linked funds; applicable;
• You have increased your insurance coverage at a certain point, however the premiums remain the same;
• There has been a revision to the insurance charges for your policy, of which you would have been notified by the company
potential volatility over the short term resulting in potential sharp movements, up or down, of the underlying assets of the
before any revisions were made. You continued to pay the same premium amount after the revision.
As it is important to ensure that you are adequately covered especially in times of need, we highly encourage you to consider taking fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in. Changes in fund selection will
one of the options recommended below before your next premium payment due date. This will help increase your policy’s account impact the level and volatility in investment performance.
value over time which will ensure a longer coverage period.
If you wish to explore either one of these options, including reviewing your current premium amount, or if you require any further
Option 1: You may choose to extend your insurance coverage term by increasing your premium amount via a Scheduled Top-Up clarification or assistance, please contact your Life Planner. Alternatively, you may also call our Careline at 1300 88 1899, e-mail
/ Saver in addition to your current premium based on the sustainability options below: us at My.Customer@aia.com or visit any of our Customer Centres nearest to you.
OPTIONAL PREMIUM INFORMATION
Till end of
Till age 70 Till age 80 contractual term [agy_loc], ([agy_name]) ([agt_name])/[agy_code]/[agt_code]
(age <maturity age>)
Estimated Additional Scheduled Top Up /
RM <Scheduled Top Up RM <Scheduled Top RM <Scheduled Top [desk_code]
Saver to Sustain Policy per
Amt> Up Amt> Up Amt> __________________________________________________________________________________________________
(Month/Quarter/Half Year/Year)
Govt. Tax for Additional Scheduled Top Up / RM <Scheduled Top Up RM <Scheduled Top RM <Scheduled Top <LISTM>
Saver Amt SST> Up Amt SST> Up Amt SST> P4
RM < Current Total RM < Current Total RM < Current Total
Total New Premium
Premium + Estimate Premium + Estimate Premium + Estimate
(including Govt. Tax if any)
Additional Scheduled Top Additional Scheduled Additional Scheduled
per (Month/Quarter/Half Year/Year)
Up Amt + SST> Top Up Amt + SST> Top Up Amt + SST>
Note: 95% of your Scheduled Top-Up/ Saver will be allocated to purchase units in the investment-linked fund that you have selected.
P3
50450 Kuala Lumpur
P.O.Box 10140
50704 Kuala Lumpur
Care Line : 1300 88 1899
Sample Statement Type C1 T : 03-2056 1111
[cycle_date] AIA.COM.MY
[owner]
POLICY VALUE AS AT ERROR! REFERENCE SOURCE NOT FOUND.
[addr_3] Premium : [curr] [mode_prem] Bid Price (Error! Total Value (Error!
[addr_5]
Fund Portfolio Reference source not Units Reference source not
found.) found.)
[fund_name] [bidprice] [reqprem_unit] [sur_value]
Insured: [insured]
Transaction Type: [tran_type]
Statement of Account for Error! Unknown document property name.
Statement Period: Error! Unknown document property name. to Error! Unknown document property name.
Dear [Policy_owner_name], Note: You can refer to your fund’s prices published daily in our Company’s website at www.aia.com.my or Berita Harian and New
StraitsAction
Times on the lastTransaction
working day of the month.
Price Value Current Units Value of Balance Balance
Date (Error! Date Units (Error! Units Value
PREMIUM INFORMATION SINCE INCEPTION AMOUNT (Error! Reference source not found.) DETAILS OF ASSIGNEE OR NOMINEE Unknown Unknown (Error!
documen document Unknown
Transactions Name Relationship
t property Address property document
Total Premium [pa_totprm] name.) name.) property
Total Premium Charge [pa_prmchr] [nom_name] [nom_rel] [nom_addr] name.)
Total Top Up Charge [pa_topchr]
Total Monthly Policy Charge [pa_mthchr] [tranxdtl]

[prem_alloc_pro] Note:
|065| 1. Fund Cash Surrender Value shown above is after the deduction of Surrender Charge as at the Valuation Date, if any. Please
[regtopup_desc] premium allocation :|065| refer to the policy contract for more details on the surrender charges imposed, if any.
[prem_alloc_sav]
2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value paid for the death benefit are subject
to the terms and conditions in the contract.
applicable), Policy Expense Charge (if applicable), one-off Policy Fee of RM 100.00 (if applicable) and Govt. Tax (if
Benefit Type Amount of Benefit (Error! Effective Date Expiry Date applicable).
Reference source not found.)
[coveragedtl]
P2

P1
Sample Statement Type C1
Current Modal Premium (including Govt. Tax if any) Amt + Schedule Top Up Amt +
SST (if any) >
We wish to inform you that your policy will lapse earlier than expected. The sustainability of your policy could be caused by one or
a combination of several reasons below:
• You have exercised premium holidays, i.e. you have stopped making payments when premiums are due;
• You have made partial withdrawals;
• Lower than expected investment returns on your investment-linked funds;
As it is important to ensure that you are adequately covered especially in times of need, we highly encourage you to consider taking
one of the options recommended below before your next premium payment due date. This will help increase your policy’s account
value over time which will ensure a longer coverage period.
Option 1: You may choose to extend your insurance coverage term by performing a one-off top-up:
AD HOC TOP UP INFORMATION
AIA Bhd. (790895-D)
Till end of contractual term (age
<maturity age>) Menara AIA, 99 Jalan Ampang
50450 Kuala Lumpur
Estimated Ad Hoc Top Up to Sustain Policy RM <Ad Hoc Top Up Amt> P.O.Box 10140
50704 Kuala Lumpur
Govt. Tax for Ad Hoc Top Up RM <Ad Hoc Top Up Amt SST> Care Line : 1300 88 1899
T : 03-2056 1111
Total Ad Hoc Top Up (including Govt. Tax if any) RM <Ad Hoc Top Up Amt + SST>
AIA.COM.MY
Note: 95% of your Ad Hoc Top Up/ Saver will be allocated to purchase units in the investment-linked fund that you have selected.
If you wish to explore either one of these options, including reviewing your current premium amount, or if you require any further
Option 2: You may consider reducing your sum assured and/or removing the unit-deducting rider(s) to continue your coverage. A clarification or assistance, please contact your Life Planner. Alternatively, you may also call our Careline at 1300 88 1899, e-mail
thorough review with your Life Planner will help you get a better understanding of the coverage you have now, ensuring that they us at My.Customer@aia.com or visit any of our Customer Centres nearest to you.
are in line with your current protection and financial needs.
The advised outcome of the above options may differ from the actual experience as our estimation assumes that:
withdrawals in the future; [agy_loc], ([agy_name]) ([agt_name])/[agy_code]/[agt_code]
• no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured) – if
applicable;
[desk_code]
potential volatility over the short term resulting in potential sharp movements, up or down, of the underlying assets of the __________________________________________________________________________________________________
fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in. Changes in fund selection will <LISTM>
AIA confidential and proprietary information. Not for distribution. P3

Sample Statement Type C2
[cycle_date]
[owner]
[addr_5]
POLICY VALUE AS AT ERROR! REFERENCE SOURCE NOT FOUND.

Insured: [insured]
Bid Price (Error! Total Value (Error!
Transaction Type: [tran_type] Fund Portfolio Reference source not Units Reference source not
found.) found.)
[fund_name] [bidprice] [reqprem_unit] [sur_value]
Transactions
Note: You can refer to your fund’s prices published daily in our Company’s website at www.aia.com.my or Berita Harian and New
Total Premium [pa_totprm] Straits Times on the last working day of the month.
Total Top Up Charge [pa_topchr] DETAILS OF ASSIGNEE OR NOMINEE
Total Monthly Policy Charge [pa_mthchr] Name Relationship Address
Total Auto Re-balancing [pa_totarb] [nom_name] [nom_rel] [nom_addr]

[prem_alloc_pro] [tranxdtl]
|065|
[prem_alloc_sav]
COVERAGE INFORMATION Note:

Benefit Type Amount of Benefit (Error! Effective Date Expiry Date 1. Fund Cash Surrender Value shown above is after the deduction of Surrender Charge as at the Valuation Date, if any. Please
Reference source not found.)
[coveragedtl] refer to the policy contract for more details on the surrender charges imposed, if any.
2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value paid for the death benefit are subject to
applicable), Policy Expense Charge (if applicable), one-off Policy Fee of RM 100.00 (if applicable) and Govt. Tax (if applicable).

Care Line : 1300 88 1899
T : 03-2056 1111
Sample Statement C2 AIA.COM.MY

Current Modal Premium (including Govt. Tax if any) Amt + Schedule Top Up Amt +
SST (if any) >
We wish to inform you that your policy will lapse earlier than expected. The sustainability of your policy could be caused by one or
a combination of several reasons below:
• You have exercised premium holidays, i.e. you have stopped making payments when premiums are due;
• You have made partial withdrawals;
• Lower than expected investment returns on your investment-linked funds;
As it is important to ensure that you are adequately covered especially in times of need, we highly encourage you to consider taking
one of the options recommended below before your next premium payment due date. This will help increase your policy’s account
value over time which will ensure a longer coverage period
Option 1: You may choose to extend your insurance coverage term by performing a one-off top-up: AIA Bhd. (790895-D)
AD HOC TOP UP INFORMATION Menara AIA, 99 Jalan Ampang

50450 Kuala Lumpur
P.O.Box 10140
Till end of contractual term (age 50704 Kuala Lumpur
<maturity age>) Care Line : 1300 88 1899
T : 03-2056 1111
Estimated Ad Hoc Top Up to Sustain Policy RM <Ad Hoc Top Up Amt>
AIA.COM.MY
Govt. Tax for Ad Hoc Top Up RM <Ad Hoc Top Up Amt SST>
Total Ad Hoc Top Up (including Govt. Tax if any) RM <Ad Hoc Top Up Amt + SST>
Note: 95% of your Ad Hoc Top Up/ Saver will be allocated to purchase units in the investment-linked fund that you have selected. If you require any further clarification or assistance, please contact your Life Planner. Alternatively, you may also call our Careline
Any unallocated amount will be used to pay commissions (3.75%) and other expenses (1.25%). at 1300 88 1899, e-mail us at My.Customer@aia.com or visit any of our Customer Centres nearest to you.
The advised outcome of the above options may differ from the actual experience as our estimation assumes that:
withdrawals in the future; [agy_loc], ([agy_name]) ([agt_name])/[agy_code]/[agt_code]
• no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured) – if
applicable;
• the fund value to be growing at our best estimate assumption ([FG Rate * fund percentage]%). This does not reflect the [desk_code]
potential volatility over the short term resulting in potential sharp movements, up or down, of the underlying assets of the __________________________________________________________________________________________________
fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in. Changes in fund selection will <LISTM>
AIA confidential and proprietary information. Not for distribution. P3
A-LifeLink 2 Riders Max Coverage Age during extended coverage term
A-Plus DisabilityCare Age 70
A-Plus Health Age 100
A-Plus Health Guard Age 100
A-Plus HospitalIncome Extra Age 100
A-Plus WaiverExtra Not applicable
A-Plus CriticalCare Age 100
A-Plus Multi CriticalCare Age 85
A-Plus Early CriticalCare Age 85
A-Plus Beyond Critical Shield Age 80
A-Plus Beyond Early Critical Shield Follow A-Plus Beyond Critical Shield
A-Plus Total AccidentShield Age 70
A-Plus AccidentShield Age 70
Riot and Civil Commotion Age 70
A-Plus Venus Age 70
A-Plus VenusExtra Age 70
A-Plus DisabilityCash Age 70
A-Plus GenNext Age 50
A-Plus MedCare Age 100
A-LifeJoy 2 Riders Max Coverage Age during extended coverage term
A-Plus CriticalCare Age 100
A-Plus Early CriticalCare Age 85
A-Plus Multi CriticalCare Age 85
A-Plus Junior CriticalCare Not Applicable
A-Plus BabyCare Not Applicable
A-Plus AccidentShield Age 70
A-Plus Health Age 100
A-Plus HospitalIncome Extra Age 100
A-Plus WaiverExtra Not Applicable
A-Plus PayorExtra Not Applicable
A-Plus Venus Age 70
A-Plus VenusExtra Age 70
A-Plus Total AccidentShield Age 70
A-Plus GenNext Age 50
A-Plus DisabilityCash Age 70
A-Life Wealth Builder Riders Max Coverage Age during extended coverage term
A-Plus CI Guard Age 80
A-Plus CI Advance Age 100
A-Plus Waiver Not applicable
A-Plus Spouse Waiver Extra Not applicable
A-Plus Parent Waiver Not applicable
A-Life Wealth Care Riders Max Coverage Age during extended coverage term
A-Plus Disability Care Age 70
A-Plus CI Protect Age 80
A-Plus Critical Cover Age 100
A-Plus Overseas Cover Age 100
A-Plus Extra Cover Not applicable
A-Plus Waiver Not applicable
A-Plus Spouse Waiver Extra Not applicable
A-Plus Parent Waiver Extra Not applicable
A-LifeLink-i Riders Max Coverage Age during extended coverage term
A-Plus DisabilityCare-i Age 70
A-Plus Med-i Age 100
A-Plus MedBooster-i Follow A-Plus Med-i
A-Plus HospitalIncome Extra-i Age 100
A-Plus WaiverExtra-i Not applicable
A-Plus CriticalCare-i Age 100
A-Plus Multi CriticalCare-i Age 85
A-Plus Early CriticalCare-i Age 85
A-Plus Total AccidentShield-i Age 70
A-Plus AccidentShield-i Age 70
A-Plus Venus-i Age 70
A-Plus VenusExtra-i Age 70
A-Plus DisabilityCash-i Age 70
A-Plus GenNext-i Age 50
A-Plus MedCare-i Age 100

2022 NA Management of Sustainability of Cover (MSC) and Automatic Extension of Coverage Term (AECT)

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2022 NA Management of Sustainability of Cover (MSC) and Automatic Extension of Coverage Term (AECT)

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Updates on BNM’s

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

Inform customers, the status of their

AIA confidential and proprietary information. Not for distribution.

Regular premium payable until end

Opt-in at Point of Sales or after

Extension of basic plan to age

Automatic Extension of Coverage Term

Regular premium payable until end

Removed this option as it

AIA confidential and proprietary information. Not for distribution.

Automatic Extension of Coverage Term: Automatic Extension of Coverage Term:

A-LifeLink 2 A-Life Joy 2 A-Life Wealth Builder A-LifeLink 2 A-Life Joy 2

A-Life Wealth Care A-Life Wealth Builder

AIA confidential and proprietary information. Not for distribution.

Sales Illustration (SI) & Illustration

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

3. How much premium do I have to pay?

A-Plus CriticalCare (RM100k), A-Plus Waiver.

Fund type BEFORE 1 JAN 2020 1 JAN 2020 ONWARDS

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

A: Providing guaranteed cost of insurance

AIA confidential and proprietary information. Not for distribution.

A: The investment returns rates used to determine

Premium is quoted based on AIA’s Approved

As per Policy Document on ILP Business

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

ANNUAL FINANCIAL STATEMENT

AIA confidential and proprietary information. Not for distribution.

Page 1 Con’t Con’t

AIA confidential and proprietary information. Not for distribution.

For all statement types (Type A, B, C1 & C2):

AIA confidential and proprietary information. Not for distribution.

1. Type A statement will be generated if:

2. Sample Type A Statement:

Refer to Appendix “Sample Statement Type A”

AIA confidential and proprietary information. Not for distribution.

2. Note: Possible causes of why the insurance coverage not able

AIA confidential and proprietary information. Not for distribution.

3. Type B statement contains 3 Options.

AIA confidential and proprietary information. Not for distribution.

5. Option 2 - Extend coverage term via Ad-Hoc

AIA confidential and proprietary information. Not for distribution.

6. Option 3 – Consider to reduce sum assured or

7. Sample Type B Statement :