Premium: 1 or 3 years

Policy term: 10 years only

Premium: 3 years only

Policy term: 10 years only

Premium: 1 or 3 years

Policy term: 10 or 15 years only

Premium: 3 years

Policy term: 10 or 15 years only

After year 3 when premiums are fully paid.

After year 5

After year 7

Upon policy maturity

Yes, 101% of total premium or guaranteed cash value

AND any bonuses added to your Basic Policy

Yes, 101% of total premium or guaranteed cash value

Yes, Total premiums paid

AND any bonuses added to your Basic Policy

Yes, Total premiums paid

Yes, if the insured amount exceeds $100,000

Yes, if the cash value is higher then the premium paid

Yes, regardless of any insured amount

No, there is no TPD benefit

The policy will lapse and no value will be returned

The policy will lapse and premiums will be returned

The policy will lapse and 25% of the premiums will be returned

The policy will be on premium holiday

35% of Sum Assured

40% of Sum Assured

45% of Sum Assured

50% of Sum Assured

Starting from the 2nd policy anniversary

Starting from the 3rd policy anniversary

Starting from the 4th policy anniversary

Starting from the 5th policy anniversary

5y: 10-30 years

10y: 15-30 years

5y: 15-30 years

10y: 15-30 years

5y: 10-30 years

10y: 20-30 years

5y: 15-30 years

10y: 20-30 years

The total value upon maturity will be the same regardless if the coupon is accumulated or withdrawn.

Once the client decides to accumulate or withdraw, the decision cannot be changed.

The total value upon maturity will be higher if the coupons are accumulated as they are reinvested into the par funds.

The coupon withdrawn can only be used to pay for AIA policies

Payor Benefit Rider(s) only

Premium Waiver Rider(s) only

Payor Benefit Rider(s) and Premium Waiver Rider(s)

No premium waiver riders.