Savings & Investment

Growth Plan (Single Premium Plan)

Grow your investments and realise your goals

With Growth Plan, you simply get more out of your investment.

We give you the flexibility of choosing the term of your investment and offer you guaranteed¹ returns on your principal sum upon maturity with the potential benefit of receiving bonuses² each year based on the financial results of the Life Participating Fund.

The additional insurance protection will ensure that your interests are safeguarded in the untimely event of Death or Total and Permanent Disability (TPD before the age of 65).

BENEFITS AT A GLANCE

Flexible investment term
Guaranteed¹ returns on your principal sum upon maturity
Yearly bonus² based on financial results of the Life Participating Fund
Payout of sum assured plus accumulated bonuses² or cash value, whichever is higher, in the event of Death or Total and Permanent Disability (TPD before the age of 65)
Payout of 2 times the sum assured plus accumulated bonuses² in the event of an accident resulting in Death or Total and Permanent Disability (TPD before the age of 65)

Safeguard your investment

If you are worried about your valuable investment, we’ll keep it safe. We do that by offering you guaranteed1 returns on your principal sum upon maturity, regardless of the prevailing market conditions. On top of that, we’ll reward you with a bonus² each year based on the financial results of the Life Participating Fund. This bonus² will be added to your sum assured allowing your investment to appreciate in value.

The following illustration shows the maturity benefits for a male aged 40 investing a single premium of $50,000:

Policy Term	Guaranteed Maturity Benefit	Non-Guaranteed Maturity Benefit*	Total Maturity Benefit*
5 yrs	$52,579	$5,445	$58,024
10 yrs	$61,439	$13,177	$74,616
15 yrs	$69,279	$23,195	$92,474
20 yrs	$77,322	$35,924	$113,246

Protect against death and disability

Besides safeguarding your investment returns, we also provide comprehensive coverage for Death or Total and Permanent Disability (TPD before the age of 65). Should this happen, Growth Plan will pay you the sum assured, plus accumulated bonuses² or cash value, whichever is higher.

In the event of Death or Total and Permanent Disability (TPD before the age of 65) caused by an accident, in addition to bonuses2, we will also pay 200% of sum assured.

Enjoy Flexibility

We understand that you have different needs and goals. That’s why we have provided you with the option of choosing your investment time horizon (5 to 20 years)³. This flexibility allows you to customise the Growth Plan to suit your investment goals.

IMPORTANT NOTES:

1 The guaranteed returns are payable only if the policy is held until maturity, on the condition that no policy alterations or related transactions have occurred during the entire policy term

2 Bonus rates are not guaranteed and the actual maturity benefits may vary according to the future performance of the Life Participating Fund. The figures used are for illustrative purpose only.

3 Policy term of 11 to 20 years are only available for CPFIS and SRS and not available for cash investment.

4 The projected maturity benefit are based on a level of bonus rates, deemed supportable based on the assumption that the Life Participating Fund earns a projected return of 5.25% per annum in the future.

This leaflet is for general information only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are specified in the Policy Contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Information is correct as of 1 September 2009