Financial Planning

Frequently Asked Questions

Document Date: 15-Nov-2005

1. I have just started work. I have to repay a university loan. I find it difficult to make regular savings. What is your advice?
2. How should I invest my savings?
3. Which insurance company offers the best investment-linked plan (ILP)?
4. How should I select my investment fund?
5. Do I get any insurance protection?
6. Is it risky to invest in an investment fund?
7. If some investments turn bad, will I make a loss?
8. I am recently married. How much insurance do I need?
9. How do I make savings for my child?
10. Can I invest my savings in the CPF to get a better return?
11. How should I invest my CPF minimum sum?
12. How should I invest my savings after my retirement?
13. How do I take care of my medical expenses?
14. What is the advantage of insuring with NTUC Income?

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1.	I have just started work. I have to repay a university loan. I find it difficult to make regular savings. What is your advice?

Your financial should be:

• meet your living expenses, but be frugal
• repay your loan, by installments
• save 10 to 20% of your earnings

After that, you can think of the following:

• fashion
• entertainment
• holidays
• car or home

You should avoid loan commitment for non-essential and expensive items.

Give high priority to regular savings. If you lose or wish to change your job, you will have some savings to draw down.

Do not borrow on your credit card or other sources and incur high interest charges. Some credit cards charge up to 24% on your borrowing.

If you save 10 to 20% of your monthly income, you can invest this saving to earn you a good rate of return. After a few years, the interest can accumulate very fast.

Save now and spend later. Earn some interest.

2.	How should I invest my savings?

Some popular choices are:

• keep the money in a bank account
• buy a life insurance policy
• save in a flexible investment-linked plan (ILP)

If you save $200 a month over 20 years, the total amount could grow to the following:

	Average Return	Total (estimated)	Risk (estimated)
Bank	1%	$53,100	0%
Life Insurance Policy	3%	$65,500	10%
Flexible ILP	5%	$81,500	20%
Note: All figures are for illustration only. They are not guaranteed.

Most people save in a bank account to earn interest. However, as interest rate is low, the return is unsatisfactory.

You can get a better return from a life insurance policy, as you are committing to save for many years. The actual return is not guaranteed and may fluctuate by an estimated 10%, depending on the bonus that is distributed in the future.

You can get the highest return by investing in an investment linked plan (ILP), but you have to accept a higher risk. The actual return may fluctuate by an estimated 20%.

If the actual return from ILP is 20% lower than estimated, the reduced amount is still better than the return from the bank. Many people are willing to take the risk to get a higher return. If the return is too low, they can wait for a few more years for the investment to appreciate.

These estimates are based on the current condition. The actual return and fluctuation may change in the future.

If you save in the bank or ILP, you have the flexibility to stop saving for a short period. We do not have to incur interest charges or suffer any penalty. You can make additional adhoc saving, or increase your regular saving.

You can buy a term insurance cover by paying a small additional premium. This will supplement your regular saving plan and pay an additional sum in the event of premature death or disability.

3. Which insurance company offers the best investment-linked plan (ILP)?

You can compare the front end charges and annual policy fee imposed by the various regular premium ILPs.

The front end charge is used to pay commission to the sales agent. It can vary from nil to 2 years of your saving.

You can calculate the front end charge by looking at the percentage of your premium that is allocated for investment. E.g. If the plan allocates 250% for investment during the first four years, the front end charge is actually 150%. If the annual premium is $2,400, the front end charge costs you $3,600.

Here are the charges for an annual saving of $2,400 made towards ILP:

	Front End Charge	Annual Charge	Total for 20 Years
Company G	160%	$60	$5,040
Company P	185%	$60	$5,640
Company A	190%	$36	$5,280
Company H	196%	$60	$5,940
NTUC Income Ideal Plan (ID2)	45%	$30	$1,680
NTUC Income Ideal Plan (ID5)	Nil	$80	$1,600

Ideal Plan (ID5) from NTUC Income does not have any front end charge. After deducting a modest policy fee, 100% of your premium is invested from the first month. This is a very attractive plan for those who wish to save more than $100 per month.

Other plans have a front end charge of between 160% to 196% of the annual premium. A smaller percentage of the premium is invested during the initial years. E.g. If the front end charge is 160% in the first 2 years, only 40% of your saving is invested. If you save $2,400 annually, only $960 is invested.

If you incur a high front end charge, you will also lose out on investment gains that can be earned in the future.

The total charge that you have to pay under our Ideal plan is quite modest, compared to the high returns that you can earn from investing in an ILP.

4. How should I select my investment fund?

There are over 300 investment funds available in the market.

You should choose a large fund that have low charges and is managed by a good fund manager.

NTUC Income offers the Combined Fund:

• large fund with over $3,500 million in investment
• invested in 900 top quality investments (bonds and equity)
• managed by 9 top fund managers
• well diversifed globally

Here are the charges:

	Combined Fund	Others
Initial Spread	3.5%	5%
Annual Charge	<=1%	1% - 2%
Note: Charges of Combined Fund are not guaranteed.

Investing in a fund with low charges like the Combined Fund will benefit you in the long run. Over 20 years, the Combined Fund could offer 10% - 20% more than other funds, assuming that all funds earn the same average rate of return. We pay more, due to our low charges.

The modest charges are more than compensated by the higher return that you can earn from a ILP.

You have the choice of three investment options:

	Equity	Bond	Return *
Growth	70%	30%	6.0%
Balanced	50%	50%	5.5%
Conservative	30%	70%	5.0%
* Estimated return over 10 years or more (not guaranteed).

If you are willing to take moderate to higher risk, you can choose Growth. If you prefer to take low to medium risk, you can invest in Balanced or Conservative.

5. Do I get any insurance protection?

Ideal Plan gives you insurance protection equivalent to 5 years of your annual regular saving, free of charge. E.g. If you save $2,400 annually, the insurance protection is $12,000.

You can get additional insurance by buying a decreasing term assurance (DTA) rider.

For DTA, we recommend a sum assured that is equal to your total future saving. If you save $3,000 a year, we recommend a sum assured of $60,000 over 20 years.

Under DTA, the sum assured of $60,000 will decrease by $3,000 each year. This is compensated by the additional saving that you make each year. In the event of death or disability, we will pay the DTA sum assured and your cash value in Ideal Plan as a benefit. The total amount payable will usually be more than $60,000.

The following table shows the benefit payout, for an annual saving of $2,400 in Ideal Plan with a $60,000 DTA cover for 20 years. Assume that your saving grow by a net return of 5% per year.

Annual Saving of $2,400
DTA Sum Assured of $60,000 over 20 years
Total Benefit Payable is the sum of DTA Sum Assured and Cash Value

Year	DTA Sum Assured	Cash Value in Ideal Plan	Total Benefit
1	$ 60,000	$ 3,150	$ 63,150
10	$ 33,000	$ 39,600	$ 72,600
20	$ 3,000	$104,200	$107,200

Note:
Cash Value figures are based on a net return of 5% p.a. i.e. net of all charges.
The figures are for illustration only. They are not guaranteed.

The annual premium payable for a 20 year DTA insuring $60,000 is quite modest.

Entry Age	Male	Female
25	$ 30	$ 20
35	$ 62	$ 41
45	$209	$137
Note: Premium Rates are not guaranteed.

Depending on your financial needs, you can choose a higher sum assured under DTA.

6. Is it risky to invest in an investment fund?

The Combined Fund could earn a return of 5-6% per annum over a long term, say 10 to 20 years.

Based on the benchmark, the average return over the past 10 years is 6.5% per annum. This is quite attractive, considering that the global economic situation had been quite difficult.

The Combined Fund has moderately high risk. But risk is to your advantage.

If you invest $100,000 for 10 years in the CPF to earn 2.5% per annum, you will get $128,000. If you invest in a moderately high risk fund to earn 6% per annum, you get $179,100.

Risk can work both ways. You can get more or less than $179,100. If you get more than $179,100, you can realise your investment. If you get less than $179,100, wait for 1, 2, or 3 years for the investment to recover.

Risk is to your advantage because you can wait for the right time to get a better return.

7. If some investments turn bad, will I make a loss?

The Combined Fund is invested in 900 quality investments. They are selected from among the best bond and equity investments all over the world.

If a few investments turn bad, the impact is small. Each bad investment will have less than 0.1% impact on the return.

The bad investments will be more than offset by the good investments. This is the advantage of diversification. It is important to invest in a large and well diversified fund.

The Combined Fund is managed by 9 top fund managers, who are selected from a large database of fund managers. They are considered to be among the top tier fund managers in the world.

8. I am recently married. How much insurance do I need?

You need insurance to take care of your family needs, in the event of your premature death or disability.

Most people like to have insurance coverage equivalent to 5 years of annual income. If your annual income is $50,000, you should be insured for $250,000.

If you have existing insurance coverage, you only need to take up the additional sum to make this target sum.

You can buy a term insurance rider to provide the additional sum payable on death or permanent disability, as follows:

Annual premium to insure $100,000 - Term Assurance (TA) rider
Entry Age	For 20 Years		Expire at Age 65
	Male	Female	Male	Female
25	$100	$ 66	$290	$193
35	$254	$167	$480	$320
45	$823	$546	$823	$546
Note: Premium rates are not guaranteed.

You can buy a decreasing term insurance rider to provide an additional sum payable on death or permanent disability.

The sum assured can be equal to your total future saving. The decrease in the sum assured each year will be compensated by additional saving that you make each year.

Annual premium to insure $100,000 - Decreasing Term Assurance (DTA) rider
Entry Age	For 20 Years		Expire at Age 65
	Male	Female	Male	Female
25	$ 51	$ 33	$ 99	$ 66
35	$103	$ 68	$172	$113
45	$348	$228	$348	$228
Note: Premium rates are not guaranteed.

You can buy a living insurance rider to pay an additional sum on death, disability or diagnosis of 30 dread disease, as follows:

Annual premium to insure $50,000 - Living Assurance (LA) rider
Entry Age	For 20 Years		Expire at Age 65
	Male	Female	Male	Female
25	$102	$ 92	$260	$238
35	$256	$246	$430	$389
45	$722	$652	$722	$652
Note: Premium rates are not guaranteed.

You can choose a combination of riders. For example, you can insure $100,000 of term insurance rider and $50,000 of living benefit rider.

You can buy the riders under our Family Insurance plan. You can also insure several members of your family under one policy. This will save you on the annual policy fee.

There are other riders that can be taken under this plan:

• Monthly income benefit payable on death or permanent disability
• Cash benefit for each day of hospital stay
• Accident insurance

9. How do I make savings for my child?

You can buy an Ideal plan to save for your child. You should have a separate policy for each child.

You can save $100 or more each month in Ideal plan and invest the saving in Combined Fund.

The advantages of Ideal plan are:

• flexibility
• allows adhoc saving
• can stop saving for a short period
• an attractive return
• flexible maturity date

The tuition fees payable for a university education is estimated to be:

Local University	$6,000 to $20,000 per year (with government subsidy)
Foreign University	$20,000 to $60,000 per year (full fees)

The total saving (excluding interest) is:

Monthly Saving	Total for 15 Years
$100	$18,000
$150	$27,000
$200	$36,000

We suggest that you should save enough to meet the expected tuition fees for a 3 year course.

The interest that you can earn on your saving (say, 6% per annum) can meet the inflation in tuition fees. If there is an excess, it can be used to pay for an additional year in university or meet the living expenses.

You can buy a DTA to supplement the saving, in the event of premature death or disability. This ensures that the planned saving will remain intact.

The premium payable for a 20 year DTA of $25,000 is:

Entry Age	Male	Female
25	$13	$ 8
35	$26	$17
45	$87	$57
Note: Premium Rates are not guaranteed.

10. Can I invest my savings in the CPF to get a better return?

You can invest your CPF savings in our Combined Fund.

Based on a return of 6% per annum, your savings could grow as follows:

Single premium: $100,000

Duration	CPF	Combined Fund	Difference
	2.5% p.a.	6% p.a.
10	$128,000	$179,100	$ 51,100
15	$144,800	$239,700	$ 94,900
20	$163,900	$320,700	$156,800
25	$185,400	$429,200	$243,800
30	$209,800	$574,300	$364,500
Note: Figures are for illustration only. They are not guaranteed. Assume investment return is net of policy and fund charges.

The investment in the Combined Fund is subject to moderately high risk. The actual return may fluctuate by an estimated 20%.

Risk can be to your advantage. If you get more than the projected savings, you can withdraw your investment. If you get less, you can wait for 1, 2 or 3 years for the investment to recover. This will allow you to get the projected savings, or more.

11. How should I invest my CPF minimum sum?

When you retire, you are required to keep a minimum sum in the CPF to be invested according to its rules.

The minimum sum is $90,000 for a person retiring in 2005. This sum will increase by $4000 per year, until it reaches $122,000 for a person retiring in 2013.

You have the following choices to invest your minimum sum:

• keep it in CPF to earn interest at 4% per annum
• transfer it to a bank account to earn interest at the current rate
• use the minimum sum to buy a life annuity

If you keep the money in the CPF, you are allowed to withdraw a monthly sum of $711 from age 62. Your minimum sum is expected to run out in 20 years time. Nothing is payable after it runs out.

As the bank offers a lower return than the CPF, few people choose this option now.

You can use the minimum sum to buy a life annuity payable from age 62. NTUC Income offers the monthly payment shown in the next table.

Each year, an estimated 10% of the retirees will use their CPF savings to buy an annuity. The other 90% keep the money in the CPF.

In the market, about 65% of life annuities are bought from NTUC Income. The remaining 35% are bought from other life insurers.

Annuity from NTUC Income
Minimum Sum at 55: $90,000
Estimated monthly annuity payable at age 62:

	Guaranteed	Estimated Bonus	Total
Male	$473	$99	$572
Female	$443	$93	$536
Note: This is a participating annuity. The monthly payout increases when bonus is declared. Bonus is not guaranteed.

The bonus is not guaranteed and it depends on the investment return earned on our insurance fund. The bonus shown above is the estimated amount declared during the 7 years (deferred period) up to 62, assuming an average bonus of 2.75% each year.

The annuity will continue to receive a bonus in each subsequent year. If the bonus continues to be declared at 2.75% per year (not guaranteed), the monthly payment will increase as follows:

Age	Male	Female
62	$572	$536
67	$655	$613
72	$750	$703
77	$859	$805
82	$984	$922
Note: Figures are for illustration only. They are not guaranteed.

In the event of death during the earlier years, the capital sum less total annuity payments will be refunded to the estate.

12. How should I invest my savings after my retirement?

We offer the following options:

• buy a life annuity
• invest in the Combined Fund

Some people will use part of the savings to buy a life annuity and another part to invest in the Combined Fund.

Annuity
If you invest $100,000 in a life annuity at age 60, you will get a monthly payment:

Male	$429 (or 5.1% p.a.)
Female	$401 (or 4.8% p.a.)

In calculating the payout, we use an interest rate of 2.5% and add a further component (2.6% for male, 2.3% for female) to represent the consumption of capital over the expected life expectancy.

Each year, we will look at the average return earned on the investments in recent years. If it is more than 2.5%, we will pay most of the difference in the form of a bonus that is added to the monthly annuity payment. The bonus is payable on a cumulative basis for the remaining lifetime of the annuitant.

If the annuitant dies at an early age and he has received annuity payments that is less than the capital sum, the balance is refunded to the estate.

If the annuitant lives longer, he will continue to receive annuity payments for his entire lifetime.

Combined Fund
You can invest your savings in the Combined Fund to earn an average return (not guaranteed) of 6% per annum over a long term.

You can request for a fixed sum to be encashed monthly from the Combined Fund to meet your living expenses. We will credit this sum to your bank account every month.

E.g. If you invest $200,000 in the Combined Fund and earn an average of 6% per annum, you can ask for $1,000 a month to be transferred to your bank account. Your capital is likely to be kept intact. If you transfer more than the yield (or return), the capital will diminish gradually. If you take out less than the yield, the capital will grow.

13. How do I take care of my medical expenses?

You can buy our Incomeshield Policy. We offer the following plans:

Plan	A	B
	($)	($)
Daily Benefit	800	500
Surgical Benefit	9,400	8,200
Deductible	3,000	2,000
Co-insurance	10%	10%
Annual Limit	130,000	100,000
Lifetime Limit	1,500,000	800,000
Annual Premium
Age
30	84	50
40	126	76
50	252	151
60	420	252
70	924	554
80	2,016	1,218

Premium rates are subject to adjustment, based on claim experience. The premium will increase according to the age in each year. It can also increase due to inflation in medical expenses.

The premium can be paid out of your CPF Medisave account, subject to a limit of $660. Any difference will be paid by cash.

We have a rider (Incomeshield Plus) to cover the deductible and co-insurance. If you are insured under the basic plan and the rider, the full amount of the hospital bill will be covered, provided that you are treated in the appropriate ward in a restructured hospital.

You can call our Health Hotline to get advice on the appropriate hospital and ward to be treated.

You can buy similar plans from other insurers. They provide higher coverage and charge a premium that is 15% to 80% higher than Incomeshield.

Plan A or similar

Age	NTUC Income	Company A	Company B
40	126	143	216
60	420	491	663
80	2016	2,730	3,686
Note: Premium Rates are not guaranteed.

14. What is the advantage of insuring with NTUC Income?

NTUC Income is a co-operative society.

Our aim is to serve our policyholders. We provide insurance at an affordable cost and distribute most of our surplus to our policyholders. Our shareholders receive less than 2% of our surplus.

Other insurers aim to make the most profits for their shareholders. The profits have to be earned from their insurance business. Their policyholders have to pay a higher premium to increase their profits.

NTUC Income operates at lower expenses. We pay less commision to agents and modest salary to our employees. This allow us to charge a lower premium.

NTUC Income is financially strong. We are rated "AA" by Standard and Poor's, a world renowed rating agency. This is the highest rating awarded among all insurers in Asia. Our financial strength gives the best security to our policyholders.

Table 1 - Lump sum savings
Total savings at end of each year, if you make a lump sum saving of $10,000.

Annual Rate of Return
Year	1%	CPF OA 2.5%**	3%	4%	5%	6%	7%	8%
1	9,747	10,250	9,940	10,036	10,133	10,229	10,326	10,422
2	9,844	10,506	10,238	10,437	10,639	10,843	11,048	11,256
3	9,942	10,769	10,545	10,855	11,171	11,493	11,822	12,156
4	10,042	11,038	10,861	11,289	11,730	12,183	12,649	13,129
5	10,142	11,314	11,187	11,741	12,316	12,914	13,535	14,179
6	10,244	11,597	11,523	12,210	12,932	13,689	14,482	15,313
7	10,346	11,887	11,868	12,699	13,579	14,510	15,496	16,538
8	10,450	12,184	12,224	13,207	14,257	15,381	16,580	17,861
9	10,554	12,489	12,591	13,735	14,970	16,303	17,741	19,290
10	10,660	12,801	12,969	14,284	15,719	17,282	18,983	20,834
11	10,766	13,121	13,358	14,856	16,505	18,319	20,312	22,500
12	10,874	13,449	13,759	15,450	17,330	19,418	21,734	24,300
13	10,983	13,785	14,171	16,068	18,197	20,583	23,255	26,244
14	11,092	14,130	14,596	16,711	19,106	21,818	24,883	28,344
15	11,203	14,483	15,034	17,379	20,062	23,127	26,625	30,611
Up to Year
20	11,775	16,386	17,429	21,144	25,604	30,949	37,342	44,978
25	12,375	18,539	20,205	25,725	32,678	41,417	52,375	66,088
30	13,007	20,976	23,423	31,299	41,707	55,425	73,458	97,105
35	13,670	23,732	27,154	38,080	53,230	74,171	103,029	142,679
40	14,368	26,851	31,479	46,330	67,936	99,257	144,504	209,642
45	15,100	30,379	36,492	56,367	86,705	132,828	202,674	308,032
** - $10,000 accumulated at the CPF OA interest rate of 2.5% p.a. No bid offer deducted.

Table 1 shows how a lump sum saving of $10,000 would grow at different time horizon and rate of return.

The projected saving is accumulated after deducting for 3.5% bid offer spread.

The third column shows how your saving (of $10,000) would grow if it is left to accumulate at 2.5% p.a. in your CPF Ordinary Account.

The annual rate of return refers to net return after deducting for annual charges of Ideal Plan.

All figures are not guaranteed.

Table 2 - Regular savings
Total at end of each year, if you make annual saving of $10,000

Annual Rate of Return
Year	Bank 1% ^	CPF OA 2.5% **	3%	4%	5%	6%	7%	8%
1	10,100	10,250	9,940	10,036	10,133	10,229	10,326	10,422
2	20,301	20,756	20,177	20,473	20,772	21,072	21,374	21,678
3	30,604	31,525	30,722	31,328	31,943	32,565	33,195	33,834
4	41,010	42,563	41,583	42,618	43,672	44,748	45,845	46,963
5	51,520	53,877	52,770	54,358	55,988	57,662	59,379	61,142
6	62,135	65,474	64,293	66,569	68,920	71,351	73,861	76,455
7	72,857	77,361	76,161	79,267	82,499	85,861	89,357	92,993
8	83,685	89,545	88,385	92,474	96,756	101,241	105,938	110,855
9	94,622	102,034	100,976	106,209	111,727	117,545	123,679	130,145
10	105,668	114,835	113,945	120,493	127,445	134,826	142,662	150,979
11	116,825	127,956	127,303	135,349	143,950	153,145	162,974	173,479
12	128,093	141,404	141,062	150,799	161,280	172,563	184,707	197,780
13	139,474	155,190	155,233	166,867	179,477	193,145	207,962	224,024
14	150,969	169,319	169,830	183,578	198,583	214,963	232,845	252,368
15	162,579	183,802	184,864	200,957	218,645	238,090	259,470	282,979
Up to Year
20	222,392	261,833	267,078	298,853	335,041	376,280	423,299	476,931
25	285,256	350,117	362,387	417,958	483,595	561,209	653,078	761,910
30	351,327	450,003	472,876	562,868	673,192	808,686	975,355	1,180,638
35	420,769	563,014	600,963	739,174	915,171	1,139,866	1,427,365	1,795,886
40	493,752	690,876	749,451	953,676	1,224,004	1,583,060	2,061,332	2,699,887
45	570,459	835,540	921,589	1,214,651	1,618,162	2,176,153	2,950,505	4,028,162
^- Annual Saving accumulated at bank interest rate of 1% p.a. No bid offer deducted. ** - Annual Saving accumulated at the CPF OA interest rate of 2.5% p.a. No bid offer deducted.

Table 2 shows how annual saving of $10,000 would grow at different time horizon and rate of return.

The projected saving is accumulated after deducting for 3.5% bid offer spread.

The first column shows how your total savings would grow if it is accumulated in the bank, earning an average interest of 1% p.a. The second column shows how your total savings would grow if it is accumulated at 2.5% p.a. in your CPF Ordinary Account.

The annual rate of return refers to net return after deducting for annual charges of Ideal Plan.

All figures are not guaranteed.

Table 3 - Annual Premium (Cost of Insurance) for Male

LTA -	Level Term Assurance; pays the sum assured on death during the term.
DTA -	Decreasing Term Assurance; pays the decreasing sum assured on death during the term.
DDA -	Dread Disease Assurance; pays the sum assured on death or incidence of dread disease during the term.

Entry	LTA $100,000				DTA $100,000				DDA $100,000
Age	10 yr	20 yr	Up to Age 64		10 yr	20 yr	Up to Age 64		10 yr	20 yr	Up to Age 64
20	80	83	240		46	48	85		122	147	423
25	80	100	290		46	51	99		147	203	520
30	88	149	377		48	65	128		186	316	677
35	133	254	480		65	103	172		291	512	860
40	246	470	625		119	189	242		523	872	1,113
45	448	823	823		220	348	348		869	1,443	1,443
50	830	1,380	1,085		403	613	500		1,450	2,315	1,856
55	1,443	2,270	1,443		742	1,060	742		2,438	3,704	2,438
59	2,121	3,255	1,697		1,109	1,581	999		3,574	5,224	2,881
Premium Rates may be subject to change. Please approach our advisers if you wish to find out more.

Table 4 - Annual Premium (Cost of Insurance) for Female

LTA -	Level Term Assurance; pays the sum assured on death during the term.
DTA -	Decreasing Term Assurance; pays the decreasing sum assured on death during the term.
DDA -	Dread Disease Assurance; pays the sum assured on death or incidence of dread disease during the term.

Entry	LTA $100,000				DTA $100,000				DDA $100,000
Age	10 yr	20 yr	Up to Age 64		10 yr	20 yr	Up to Age 64		10 yr	20 yr	Up to Age 64
20	52	54	160		31	31	57		117	136	389
25	52	66	193		31	33	66		135	183	475
30	58	98	252		32	43	84		168	290	614
35	87	167	320		43	68	113		261	493	778
40	162	310	415		78	125	159		482	833	1,006
45	294	546	546		145	228	228		867	1,305	1,305
50	546	918	717		264	403	328		1,413	1,998	1,664
55	951	1,522	951		486	695	486		2,062	3,038	2,062
59	1,400	2,201	1,116		725	1,034	655		2,800	4,184	2,272
Premium Rates may be subject to change. Please approach our advisers if you wish to find out more.