The above initial quote shows the lowest premiums based on your input age, gender and smoking status (not necessarily with the latest promotions). The premiums are for reference only and may be subject to a range of factors including but not limited to protection amount, protection period, and the health conditions of the life assured. Premium levy by the Insurance Authority will also be applied. Terms and conditions apply to respective products and offers. You may refer to the promotion page for details of the latest promotion offers. For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

* This refers to the guaranteed annualised rate of return should the policy be held for its entire five-year benefit term.

^ This refers to the guaranteed annualised rate of return should the policy be held for its entire three-year benefit term.

# For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.

※ Unemployment Benefit will only be available if you have been made redundant or were laid off at any time from one year after the policy issue date or any reinstatement date of the policy (whichever is later) and during the premium payment term while the policy is in force. This benefit can only be exercised once per policy.

1. When Death Benefit/ Critical Illness Benefit/ Personal Accident Benefit is payable, no further benefit under this Policy shall be payable and the Policy will be terminated.

2. The payable amount of the Death Benefit and Critical Illness Benefit shall be equal to: 100% of the latest sum assured less any indebtedness. The payable amount of the Personal Accident Benefit shall be equal to: 200% of the latest sum assured less any indebtedness.

3. Critical Illness Benefit shall only cover the critical illnesses listed in the appendix of the policy provisions, please refer to the policy provisions for details. Please refer to the appendix of the policy provision for the definitions of the covered critical illnesses.

4. For the full terms and benefits of the personal accident benefit, full lists of exclusions, please refer to policy provisions.