• No results found

PROTECTOR PLUS APPLICATION AND PRODUCT SUMMARY

N/A
N/A
Protected

Academic year: 2021

Share "PROTECTOR PLUS APPLICATION AND PRODUCT SUMMARY"

Copied!
23
0
0

Loading.... (view fulltext now)

Full text

(1)

STAR PROTECTOR PLUS

APPLICATION AND PRODUCT SUMMARY

November 2020

AIA Singapore Private Limited

(2)

SUBMISSION CHECKLIST

Application Form

Product Summary Cover Page

Interbank Giro

(3)

Page 1 of 6

PART0008 (04/2019 09/2020 10/2020)

AIA Singapore Private Limited (Reg. No. 201106386R) AIA Customer Service Centre, 1 Finlayson Green, Singapore 049246 Monday – Friday: 8.45am – 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

1

DETAILS OF APPLICANT/OWNER (Please tick the circles as appropriate)

Name (shown on NRIC/FIN/Passport):

Date of Birth: dd mm yyyy

Gender: Male Female

Place of Birth: United States of America Others (Country): _________________

Marital Status:

Single Married Widowed / Divorced / Separated

Residency Status:

Singapore Singapore PR Pass Holders Others

NRIC/FIN/Passport No.:

For Singapore PRs and Pass holders, please use Singapore NRIC or FIN No.

Country of Residence:

Contact Details:

Home: Country Code - Phone No. 2IÀFHCountry Code - Phone No.

Mobile: Country Code - Phone No. Email:

Current Residence Address

Please submit the following document(s) to show proof of this address.

(i) For Singaporeans and PRs residing in Singapore- Copy of NRIC (ii) For Singaporeans and PRs residing overseas and Pass holders-

Letters from government or banks, or utility or telephone bills (dated within the last 6 months)

Citizenship:

if not Singaporean

Foreign Permanent Residence Address - Please provide the full address in English. (Compulsory for non-Singaporeans)

)RU3DVVHUVE\SOHDVHVXEPLWFRS\RISDVVSRUWRUIRUHLJQLGHQWLÀFDWLRQFDUGWKDW

shows proof of this address.

If the address on the document(s) differs from this address, please explain the reason(s) in writing.

Postal Code:

Mailing Address (Use of P.O. Box is not allowed):

For Singaporeans, PRs and Pass holders - if different from Current Residence Address.Only Singapore Mailing address is allowed.

For Passers-by - if different from Foreign Permanent Residence Address.

Postal Code:

Please provide the reason if:

1. Your “Current Residence Address” is different from your identity documents and/or 2. Your Foreign Permanent Address is different from your identity documents and/or 3. Your “Mailing Address” is different from your “Current Residence Address”

Note: Please provide separate reasons if all the addresses do not match.

Relationship of Applicant/Owner to Proposed Insured: Parent Legal Guardian

AIA SINGAPORE

WARNING: In accordance with Section 25(5) of the Insurance Act Cap.142, as may be amended from time to time, you are to fully and faithfully disclose in this Application Form all facts which you know, or ought to know, failing which you may receive nothing from the policy and/or the policy issued may be void.

Corporate ID: WM

Master Policy No. (For Worksite Marketing Only) Policy 1

P

Policy 2

P

AIA STAR PROTECTOR PLUS APPLICATION (PARTNERSHIP DISTRIBUTION)

,QVXUDQFH$GYLVHU·V8QLW&RGH 5HIHUUDO·V8QLW&RGH

,QVXUDQFH$GYLVHU·V&RGH 5HIHUUDO·V&RGH

,QVXUDQFH$GYLVHU·V1DPH 5HIHUUDO·V1DPH

*A381020010206*

(4)

Page 2 of 6

Policy 1

P

Policy 2

P

4

AIA STAR PROTECTOR PLUS

(Policy 1)

AIA STAR PROTECTOR PLUS (Policy 2)

Plan: Plan 1 Plan 2 Plan 3 Plan: Plan 1 Plan 2 Plan 3

2SWLRQDO%HQHÀW Option 1: S$30,000 Critical Illnesses Option 2: S$50,000

Option 3: S$100,000

2SWLRQDO%HQHÀW Option 1: S$30,000 Critical Illnesses Option 2: S$50,000

Option 3: S$100,000 Regular Premium Payment Frequency:

Monthly Semi-annually Annually

Regular Premium Payment Frequency:

Monthly Semi-annually Annually

Policy 1

P

Policy 2

P

3

DETAILS OF CONTINGENT OWNER

Name (shown on NRIC/FIN/Passport): NRIC/FIN/Passport No.:

For Singapore PRs and Pass holders, please use Singapore NRIC or FIN No.

Date of Birth: dd mm yyyy Relationship:

Place of Birth: United States of America Others (Country): _________________

2

DETAILS OF PROPOSED INSURED

Name (shown on NRIC/FIN/Passport):

Date of Birth: dd mm yyyy Gender: Male Female

Place of Birth: United States of America Others (Country): _________________ Country of Residence:

NRIC/FIN/Passport No.:

For Singapore PRs and Pass holders, please use Singapore NRIC or FIN No.

Residency Status: Singapore Singapore PR Pass Holders Others

Name of School / College attending: Citizenship:

if not Singaporean

5

CREDIT CARD AUTHORISATION

I authorise AIA Singapore to charge to my credit card and issuer of the card the initial premium and all subsequent premiums including additional premiums levied (if any) payable to AIA Singapore. Should payment not be successfully effected pursuant to this authorisation for any reason, AIA Singapore shall under no circumstances be held responsible or liable for any non-inception, lapse or termination of the policy due to late or non-payment of premiums. This authorisation shall be binding and remain valid, notwithstanding death of the cardholder, irrespective of whether or not this application is accepted by AIA Singapore.

>@0DVWHU&DUG),567\HDU·VSUHPLXPRQO\

>@0DVWHU&DUG),567\HDU·VSUHPLXPDQGUHFXUULQJSUHPLXP UHQHZDO

&DUGKROGHU·V6LJQDWXUH DVSHU&UHGLW&DUG Date (DD/MM/YYYY)

Important Notes

),567\HDUSUHPLXP DNDLQLWLDOSUHPLXP UHIHUVWRÀUVWDQQXDOSUHPLXPorÀUVWPRQWKO\SUHPLXPV

2. Recurring arrangement is only available for MasterCard on premiums starting 2nd anniversary 3. Credit Card payment is NOT allowed for Single Premium policies

.LQGO\QRWHWKDW$//ÀHOGVDERYHPXVWEHFRPSOHWHGLQRUGHUIRU$,$6LQJDSRUHWRSURFHHGZLWKFKDUJLQJ

5. Credit Card deduction will be processed upon receipt of this authorization by AIA Singapore. The deduction does not constitute approval of the application

Name of Cardholder (as shown on Credit Card): Contact No.(HP): Credit Card No.: S Visa S Mastercard S Amex

Card Expiry Date (MM/YY): Relationship of Cardholder to the Policyowner Name of Issuing Bank: Country of Issuing Bank:

/ If you have provided a Singapore-issued MasterCard above, please select ONE of the following option

(5)

Page 3 of 6

Policy 1

P

Policy 2

P

AIA Singapore Private Limited (Reg. No. 201106386R) AIA Customer Service Centre, 1 Finlayson Green, Singapore 049246 Monday – Friday: 8.45am – 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

Policy 1

P

Policy 2

P

7

+($/7+'(7$,/62)352326(',1685(' )RU&KLOG&ULWLFDO,OOQHVVHV%HQHÀW

7.1 a. Height (metres): c. Was there any weight change in the past year?

If yes, how much and state the reason: Yes No b. Weight (kilograms):

  G 1DPHDQG$GGUHVVRIWKH3URSRVHG,QVXUHG·VGRFWRU Give date, reason and result of last consultation:

7.2 Has the child received medical advice, counselling or treatment in connection with AIDS, AIDS Related Complex or any other AIDS related condition, been told the child has any of these; or that the child had HIV testing done OR in the last 3 months had any of the following symptoms for more than one week continuously: fatigue, weight loss, diarrhoea, enlarged nodes or unusual skin lesions?

Yes No

7.3 7RWKHEHVWRI\RXUNQRZOHGJHDQGEHOLHIKDVDQ\PHPEHURIWKHFKLOG·VLPPHGLDWHIDPLO\HYHUKDGWXEHUFXORVLV

diabetes, cancer, cardiomyopathy, polycystic disease, mental disease or any AIDS related condition? Yes No Relationship Age at Onset Current Age Illness/Age at Death (if deceased)

*A381020030406*

6

DETAILS OF PREVIOUS & CONCURRENT INSURANCE APPLICATIONS AND PURSUITS OF PROPOSED INSURED

6.1 Do the Applicant/ Owner and the Proposed Insured(s) have any in-force insurance policy(ies) or pending insurance application(s)?

If yes, please give details. Yes No

Applicant/Owner Proposed Insured

Insurance Company Death

Total & Permanent Disability Critical Illness

Personal Accident Disability Income Others

Important Note:

%HIRUHUHSODFLQJRQHSROLF\ZLWKDQRWKHU\RXVKRXOGÀQGRXWZKHWKHU\RXDUHHQWLWOHGWRIUHHVZLWFKLQJDQGFRQVLGHUFDUHIXOO\ZKHWKHUDQ\IHHV

FKDUJHVRUGLVDGYDQWDJHVWKDWPD\DULVHIURPDUHSODFHPHQWZLOORXWZHLJKDQ\SRWHQWLDOEHQHÀWV6RPHRIWKHVHGLVDGYDQWDJHVPD\LQFOXGH

DGGLWLRQDOIHHVDQGFKDUJHVLQFXUULQJSHQDOWLHVDQGWKHQHZSROLF\PD\FRVWPRUHRUKDYHIHZHUEHQHÀWVDWWKHVDPHFRVW$OVRWKHQHZSROLF\

may be less or not suitable for you as you may not be insurable at standard terms and the new policy terms may be different.

6.2 Is this proposal to replace or intended to replace in full or in part any insurance policy or investment products with AIA Singapore or any other ÀQDQFLDODGYLVHURULQVWLWXWLRQ"

No Yes – Please give details:

6.3 Is any application for or reinstatement of your life, critical illness, accidental, medical, disability or health-related insurance policy pending RUKDVLWHYHUEHHQGHFOLQHGSRVWSRQHGUDWHGRUPRGLÀHGLQDQ\ZD\" ,I\HVSOHDVHLQGLFDWH&RPSDQ\DQGSURYLGHGHWDLOV 

No Yes – Please indicate company:

(6)

Page 4 of 6

Policy 1

P

Policy 2

P

Policy 1

P

Policy 2

P

9

DECLARATION

1. RESIDENCY – Please answer according to your Citizenship/Residency that you are holding.

Applicant/Owner Proposed Insured

Yes No Yes No

A. For Singapore Citizen

A.1 Have you resided outside of Singapore continuously for at least 5 years preceding the date of application?

A.2 Are you currently residing in Singapore?

B. For Singapore Permanent Resident & employment pass, work permit, dependant pass or other work pass holders

Have you resided in Singapore for a total of less than 183 days in the 12 months preceding the date of application?

C. For student pass or long term visit pass holders C.1 Does your pass have a duration of less than 90 days?

C.2 Have you resided in Singapore continuously for less than 90 days during the 12 months preceding the date of application?

D. If you do not belong to any of the above categories, please tick here

For Applicant/Owner application, both the Proposed Insured and Applicant need to answer; where the Applicant is not an individual, only the Proposed Insured needs to answer.

I/We acknowledge and agree that the Policy to be issued in relation to this application shall be deemed to be a Singapore Policy.

2. YOUR GUIDE TO HEALTH INSURANCE - Tick as appropriate

I have been informed and directed to view or download a copy of “Your Guide to Health Insurance” (applicable only to accident and health business) from www.aia.com.sg, or www.lia.org.sg

I have been informed and I request to be given a hardcopy of “Your Guide to Health Insurance” (applicable only to accident and health business).

7.4 Has the child ever had, or have been told or been treated for:

 D DQ\UHVSLUDWRU\GLVHDVHSURORQJHGFRXJKEURQFKLWLVDVWKPDKHDUWSUREOHPVÀWVHSLOHSV\RUGLVRUGHU

affecting the nervous system? Yes No

b. any heart disorder, blood disorder, diabetes, endocrine disorder, liver disease or any gastrointestinal disorder,

kidney problems, nephritis or abnormality of the genitourinary system? Yes No

c. condition affecting the sight, hearing or speech, physical or developmental defects, abnormal or premature

birth or any cancer, growth, tumor? Yes No

7.5 In the past 5 years, has the child had any (other than for immunisation or vaccination)

a. of the following tests done? If yes, please give details as indicated below Yes No

Test Date Reason Results Test Date Reason Results

a. Blood Test g. Liver Function Tests

b. Biopsy h. PAP Smear

c. Chest X-Ray i. Ultrasound

d. CT Scan j. Urine

e. ECGs k. Others. Please specify

f. Cholesterol __________________

b. illness, operation, medical advice, investigations or hospital treatment not mentioned above? Yes No

8

REMARKS In connection with insurance applied for, if any answer to question 7 is “Yes”, give details below, quoting the relevant question number(s).

(7)

Page 5 of 6

Policy 1

P

Policy 2

P

10

ADDITIONAL DECLARATION

,:HDJUHHDQGGHFODUHRQEHKDOIRIP\VHOIDQGDQ\RWKHUSHUVRQRUSHUVRQVÀUPRUFRUSRUDWLRQZKRPD\KDYHRUFODLPDQ\LQWHUHVWLQDQ\

insurance on this application that:

1. No statement, information or agreement made by/to or given by/to the person soliciting/taking this application or any other persons, shall be binding on AIA Singapore Private Limited (“AIA Singapore”), unless presented in writing.

2. The statements and answers in this application together with any required questionnaire or amendments (the “Information) are full, complete, true and correct and that no information or material has been withheld. I/We understand that AIA Singapore, believing the Information to be such, will rely and act on the Information accordingly. I/We further agree that the Information shall form the basis of the contract between the parties hereto. I/We understand that if any of the Information is not full or complete or true or correct, the Policy issued hereunder may EHYRLGDQG,ZHZLOOUHFHLYHRQO\DUHIXQGRIWKHSUHPLXPV ZLWKRXWLQWHUHVW OHVVDQ\DQGDOOPHGLFDOH[SHQVHVLQFXUUHGLQ$,$6LQJDSRUH·V

consideration of my/our application.

3. AIA Singapore shall assume no liability whatsoever, and that my/our Policy/Policies will only be effective after this application is accepted E\$,$6LQJDSRUHDQGWKHÀUVWSUHPLXPGXO\SDLGLQIXOOWRDQGDFFHSWHGE\$,$6LQJDSRUHGXULQJWKH,QVXUHG·VOLIHWLPHDQGJRRGKHDOWK

4. All my/our declarations made and my/our statements or answers in this application and in any required questionnaire or amendments together with the relevant Policy shall constitute the entire contract between the parties in so far as it may be relevant to the Policy or Policies I/we have requested.

5. I ( the Applicant/Owner if other than the Proposed Insured) am not an undischarged bankrupt and no bankruptcy application (including any statutory demand) or order has been made against me/us within the last twelve months.

6. I/We hereby authorise, agree and consent to:

D DQ\PHGLFDOVRXUFHLQVXUDQFHRIÀFHRURUJDQLVDWLRQWRUHOHDVHWR$,$6LQJDSRUHDQ\UHOHYDQWLQIRUPDWLRQFRQFHUQLQJPHXVDWDQ\

time, irrespective of whether the proposal is accepted by AIA Singapore; and

E $,$6LQJDSRUHWRUHOHDVHWRDQ\PHGLFDOVRXUFHRULQVXUDQFHRIÀFHDQ\UHOHYDQWLQIRUPDWLRQFRQFHUQLQJPHXVDWDQ\WLPHLUUHVSHFWLYH

of whether the proposal is accepted by AIA Singapore; and

c. AIA Singapore or any of its approved medical examiners or laboratories to perform the necessary medical assessment and tests to underwrite and evaluate my/our health status in relation to this application and any resulting claim; and

d. AIA Singapore Private Limited (“AIA Singapore”), its associated persons/organisations, its and their third party service providers and its and their representatives, whether within or outside Singapore (collectively “AIA Persons”) to collect, use, disclose, store, retain and/or process (collectively, “Use”) all personal data and information (“Personal Data”) that had/has been provided to AIA Persons and/or that AIA Persons possess about me/us (whether from me/us or a third party), in the manner and for the purposes described in the AIA Personal Data Policy (“PD Policyµ ZKLFKLVDYDLODEOHRQ$,$6LQJDSRUH·VZHEVLWHLQFOXGLQJEXWQRWOLPLWHGWRSURFHVVLQJRI

this Application/form and/or to provide subsequent advice or services to me/us in relation to this Application/Policy/form/AIA Vitality Programme and/or any other existing or future policy/policies/programmes that I/we may hold/participate with AIA Singapore. Without prejudice to the foregoing, I/we agree to comply with the terms of the PD Policy, including where such PD Policy is amended from time to time by AIA Singapore in accordance with its terms. Where Personal Data of another person is disclosed by me/us, I/we represent and warrant that I/we have obtained the consent of the individual concerned, except to the extent such consent is not required under relevant laws: (i) to collect such Personal Data; (ii) to disclose such Personal Data to the AIA Persons; and (iii) for the AIA Persons to 8VHVXFK3HUVRQDO'DWDLQWKHPDQQHUDQGIRUWKHSXUSRVHVGHVFULEHGLQWKH3'3ROLF\,:HKHUHE\VSHFLÀFDOO\ZDLYH RQRXURZQ

behalf and on behalf of each such other person, and I/we represent and warrant that such other person has granted me/us authority to so waive) any right to bring a claim of any nature against any of the AIA Persons in respect of any above-mentioned Use and/or any Use of Personal Data in the nature of or for any of the purposes described above or in the PD Policy. I/We hereby agree to indemnify AIA Persons for all losses and damages that AIA Persons may suffer in the event that I/we are in breach of any representation and warranty provided by me/us herein.

This authorisation shall bind my/our successors and assignees, and remains valid, notwithstanding death, irrespective whether or not my/

our application is accepted by AIA Singapore. A photocopy of this authorisation shall be effective and valid as the original.

7. Deemed Delivered

I/We understand that the policy document and all other documents from AIA Singapore are considered delivered and received (i) if made DYDLODEOHHOHFWURQLFDOO\YLD0\$,$XSRQUHFHLSWRIWKHUHOHYDQW606DQGRUHPDLOQRWLÀFDWLRQLQIRUPLQJPHWKDWWKHGRFXPHQWLVDFFHVVLEOH

RQ0\$,$DQG LL LISRVWHGGD\VDIWHUWKHGDWHRISRVWLQJWRWKHODVWNQRZQDGGUHVVQRWLÀHGWR$,$6LQJDSRUH

8. Electronic Receipt of Policy Documents and Correspondences

I/We acknowledge and accept that if I/we had opted to receive my/our Policy Document and/or correspondences relating to my/our Policy (“Correspondences”) electronically, my/our Policy Documents and/or Correspondences will be made available in my/our My AIA. My AIA is

$,$6LQJDSRUH·VVHFXUHFXVWRPHULQWHUQHWSRUWDODYDLODEOHRQ$,$6LQJDSRUH·VFRUSRUDWHZHEVLWH

 ,:HXQGHUVWDQGDQGDJUHHWREHQRWLÀHGYLDHPDLODQGRU606WRUHWULHYHP\RXU3ROLF\'RFXPHQWDQGRU&RUUHVSRQGHQFHVLQ0\$,$

RQFHP\RXUDSSOLFDWLRQKDVEHHQRIÀFLDOO\DSSURYHGE\$,$6LQJDSRUHDQGRU&RUUHVSRQGHQFHVDUHDYDLODEOHIRUYLHZLQJ,I,ZHKDG  opted to receive Policy Documents and Correspondences electronically, I/we acknowledge that the terms and conditions governing the

  XSORDGDFFHVVDQGYLHZLQJRIHOHFWURQLFGRFXPHQWVLQ$,$6LQJDSRUH·VFXVWRPHUSRUWDO DFRS\RIZKLFKLVDYDLODEOHXSRQUHTXHVW KDYH

been explained to me/us and I/we agree to be bound by them.

I/We understand that not all of the Correspondences are currently available via electronic statements.

I/We consent to AIA Singapore providing me/us with hard copies of Correspondences that are currently unavailable electronically. I also understand and accept that AIA Singapore may cease providing hardcopies when the electronic copies become available in future.

I/We agree and accept that AIA (Singapore) will not be responsible for any consequences arising from my/our failure to (i) provide AIA Singapore with a true, complete and accurate email address and mobile number and/or (ii) notify AIA Singapore of any change(s) to my/

our email address and mobile number. I/We acknowledge and accept that my/our Policy Document and/or Correspondences will be delivered via post if my/our email address and mobile number are not provided in this proposal.

Document Delivery Preference

Policy Contract

(Hardcopy version is only available for applicant/Owner age 60 and above)

All other correspondences

(Hardcopy version is only available for applicant/Owner age 60 and above)

Policy 1

Receive my contract in electronic version Receive my contract in hardcopy version

Receive future correspondences electronically Receive future correspondences in hardcopy Policy 2

Receive my contract in electronic version Receive my contract in hardcopy version

Receive future correspondences electronically Receive future correspondences in hardcopy Policy 3

Receive my contract in electronic version Receive my contract in hardcopy version

Receive future correspondences electronically Receive future correspondences in hardcopy Policy 4

Receive my contract in electronic version Receive my contract in hardcopy version

Receive future correspondences electronically Receive future correspondences in hardcopy Note: Only one option to be selected (either electronic OR hardcopy).

Policy 1

P

Policy 2

P

AIA Singapore Private Limited (Reg. No. 201106386R) AIA Customer Service Centre, 1 Finlayson Green, Singapore 049246 Monday – Friday: 8.45am – 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

*A381020050606*

(8)

Page 6 of 6

Policy 1

P

Policy 2

P

10. I am/We are aware that the Policy Contract and all other documents are considered to be received by me/us within 7 days of posting to the address which I/we have instructed AIA Singapore to send correspondence to. I/We agree to inform AIA Singapore immediately of any change in my/our correspondence address.

11. I/We have received a copy of (1)Your Guide to Health Insurance and (2) the Product Summary, (3) “Your Guide to Life Insurance” and (4) “Your Guide to Health Insurance” (applicable only to accident and health business), the contents of which have been explained to me/

us to my/our satisfaction.

 ,DP:HDUHDZDUHWKDWWKHEHQHÀWVRIWKH3ROLF\ZLOOJHQHUDOO\RQO\EHSD\DEOHDVDUHVXOWRIDQDFFLGHQW

13. I/We understand and agree that AIA Singapore is entitled not to accept or process this application should a person connected with the relevant Policy be found to be a Prohibited Person, meaning a person or entity (including any director or direct / indirect shareholder or SHUVRQ KDYLQJ H[HFXWLYH DXWKRULW\ RU QDWXUDO SHUVRQV DSSRLQWHG WR DFW RQ P\RXU EHKDOI EHQHÀFLDULHV RU P\RXU EHQHÀFLDO RZQHUV RU

EHQHÀFLDULHV·EHQHÀFLDORZQHUVWKHUHLQ VXEMHFWWRDQ\ODZVUHJXODWLRQVDQGRUVDQFWLRQVDGPLQLVWHUHGE\DQ\UHJXODWRU\DXWKRULWLHVLQ

any country, which have the effect of prohibiting AIA Singapore from providing insurance coverage, transacting business with or otherwise RIIHULQJDQ\HFRQRPLFEHQHÀWVWRPHXVRUDQ\RWKHUEHQHÀFLDULHVRUDVVLJQHHVXQGHUWKHUHOHYDQW3ROLF\DQGWKHGHFLVLRQRI$,$6LQJDSRUH

VKDOOEHÀQDO,:HIXUWKHUDJUHHWKDWLQWKHHYHQWWKDW$,$6LQJDSRUHEHFRPHVDZDUHVXEVHTXHQWO\WKDWDSHUVRQFRQQHFWHGZLWKWKH

relevant Policy has become a Prohibited Person, AIA Singapore may block and/or terminate the relevant Policy, including but not limited to, making or receiving any payments under the relevant Policy. As an ongoing obligation, I/we will immediately inform AIA Singapore if WKHUHDUHDQ\FKDQJHVWRWKHLGHQWLWLHVVWDWXVFRQVWLWXWLRQHVWDEOLVKPHQWSDUWLFXODUVDQGLGHQWLÀFDWLRQGRFXPHQWVRIWKHVHSHUVRQV,IDQ

application is accepted or processed by AIA Singapore despite a person connected with the relevant Policy being a Prohibited Person, AIA Singapore shall be entitled to block and/or terminate the relevant Policy at any time, whether with effect from inception of the relevant Policy or otherwise.

 %\VLJQLQJWKLVDSSOLFDWLRQ,ZHFRQÀUPWKDWWKHDJHQWEURNHURUDQ\UHSUHVHQWDWLYHRI$,$6LQJDSRUHKDVVROLFLWHGLQVXUDQFHEXVLQHVVIURP

me/us in the Republic of Singapore and that the signing of this application has taken place in the Republic of Singapore.

Declared in SINGAPORE on Day: Month: Year:

WITNESSED BY

SIGNATURE OF APPLICANT/OWNER NAME & SIGNATURE OF AIA

INSURANCE ADVISER(S)

Please note: copies of the terms and conditions on which the insurance will be made, and this completed application form, will be available on your request.

PLEASE NOTE: You are discouraged to switch between an existing accident and/or health insurance Policy without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early Policy termination and the QHZ3ROLF\PD\FRVWPRUHRUKDYHIHZHUEHQHÀWVDWWKHVDPHFRVW

WARNING: 3OHDVH QRWH WKDW ZLWK HIIHFW IURP  0D\  DOO 3ROLFLHV 5HQHZDO &HUWLÀFDWHV &RYHU 1RWHV (QGRUVHPHQWV IRU 3ROLFLHV ZLWK

commencement date on or after 1 May 2005 carry a Payment Before Cover Warranty Clause which requires the premium to be paid in full on RUEHIRUHWKHGDWHRILQFHSWLRQRIWKH3ROLF\)DLOLQJZKLFKWKHUHZRXOGEHQROLDELOLW\XQGHUWKH3ROLF\5HQHZDO&HUWLÀFDWHV&RYHU1RWHVDQG

Endorsements.

WARNING: If a material fact is not disclosed in this proposal, any policy issued may not be valid. If you are in doubt as to whether a fact is material, you are advised to disclose it. This includes any information that you may have provided to the Insurance Adviser(s) but was not included in the SURSRVDO3OHDVHFKHFNWRHQVXUH\RXDUHIXOO\VDWLVÀHGZLWKWKHLQIRUPDWLRQGHFODUHGLQWKLVSURSRVDO$GGLWLRQDOO\DQGZLWKRXWSUHMXGLFHWRWKH

SDUWLHV·ULJKWVDQGREOLJDWLRQVZKHWKHUXQGHUODZRURWKHUZLVHIROORZLQJWKHVXEPLVVLRQRI\RXUSURSRVDO\RXPXVWFRQWLQXHWRGLVFORVHDQ\DQG

all material facts that may arise or which have changed from the information you had provided.

Please sign Policy Illustration / Product Summary and Financial Health Review together with this application form.

Marketing Consent

 ,ZDQWWRNQRZWKHODWHVWSURPRWLRQVDQGFXVWRPHUEHQHÀWVDQGFRQVHQWWRUHFHLYLQJPDUNHWLQJDGYHUWLVLQJDQGSURPRWLRQDOPDWHULDOIURP

and the conducting of consumer, marketing-related and other similar research and analysis by, AIA Persons[1] and to each of them collecting, using, disclosing, storing, retaining and processing all my personal data in accordance with the terms in this form and the AIA Personal Data Policy (Singapore). I also consent to AIA Persons disclosing my personal data to independent third parties and their representatives and for them to process my personal data, for such purposes.

Contact me by[2]: Post

Electronic transmission to or through my email addresses and social media accounts Voice call

Text message (e.g. SMS/MMS)

I understand that the consent provided by me in this form is in addition to and does not supersede any consent that given previously for the above purposes.

I may withdraw one or more consents that I have given, at any time via AIA Customer Care Hotline at 1800-248-8000, My AIA SG or by completing and submitting the relevant forms.

1 “AIA Persons” refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third party service providers and its and their representatives, whether within or outside Singapore.

2$FFRUGLQJWRWKHSRVWDODQGHPDLODGGUHVVHVDQGDOOWHOHSKRQHQXPEHUV RIZKLFK,FRQÀUPWKDW,DPWKHXVHUDQGRUVXEVFULEHU LQ$,$

3HUVRQV·UHFRUGV

(9)

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG Product Summary ver2.  

E. & O. E. Page 1 of 1

Product Summary Cover Page

Applicant / Policy

Owner / Policyholder: Signature of Applicant /

Policy Owner / Policyholder:

Proposed Assured / Insured:

3URSRVHG$VVXUHG¶V

,QVXUHG¶V$JH

Gender / Occupation:

Modal Premium:

Plan Name: AIA Star Protector Plus Maximum Coverage Age: 75 years old

Name of AIA Financial

Services Consultant / Insurance

Representative:

Signature of AIA Financial Services Consultant / Insurance Representative:

Date:

Name of AIA Financial

Services Consultant / Insurance

Representative:

Signature of AIA Financial Services Consultant / Insurance Representative:

Date:

7KLVSROLF\LVSURWHFWHGXQGHUWKH3ROLF\2ZQHU¶V3URWHFWLRQ6FKHPHZKLFKLVDGPLQLVWHUHGE\WKH6LQJDSRUH'HSRVLW,QVXUDQFH

Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

%HQH¿W7\SH %HQH¿W1DPH Premium

Basic AIA Star Protector Plus Optional Benefit Child Critical Illnesses Benefit



 † $UH\RXD$,$6ROLWDLUH3$ ,, 3ODQ DERYH3ROLF\KROGHU" 

(10)

This page is intentionally left blank

(11)

AIA Singapore Private Limited (Reg. No. 201106386R) AIA Customer Service Centre, 1 Finlayson Green, Singapore 049246 Monday – Friday: 8.45am – 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

*G010220010202*

Page 1

AIA SINGAPORE

APPLICATION FOR INTERBANK GIRO

PART 1 : To Be Completed By Bank Account Holder

Important notes:

1. All ¿ elds are mandatory. Amendments made must be countersigned by the bank account holders. Use of correction À uid/tape is not allowed.

2. The approval process for GIRO application using this application form is approximately 2 months. Alternatively, for Non-Corporate Solutions policies, POSB/DBS Account Holders can apply for GIRO at any AXS kiosks and you will be noti¿ ed within 7 days if the GIRO application is successful. Until your GIRO application is approved, kindly remit premium payments directly to AIA Singapore Private Limited.

3. For Non-Corporate Solutions Policies, please mail to Life Operations Dept at 03 Tampines Grande, #09-00, AIA Tampines Singapore 528799.

4. For Corporate Solutions Policies, please mail to Corporate Solutions Dept at 03 Tampines Grande, #07-00, AIA Tampines Singapore 528799.

5. AIA Financial Services Consultants (AIA FSC) and their Family Members are not allowed to use their personal bank account (via GIRO) to pay premiums of Policy Owners, other than their own. Disciplinary action will be imposed accordingly.

a. I/We, hereby instruct you to process AIA Singapore Private Limited’s instructions to debit my/our account.

b. You are entitled to reject AIA Singapore Private Limited’s debit instruction if my/our account does not have suf¿ cient funds and charge me/us a fee for this. You may also at your discretion allow the debit even if this results in an overdraft on the account and impose charges accordingly.

c. This authorization will remain in force until terminated by your written notice sent to my/our address last known to you or upon receipt of my/our written revocation through AIA Singapore Private Limited.

Date:

D D M M Y Y Y Y

Billing Organisation: AIA Singapore Private Limited

Name of Bank (Please tick only one): Bank Account Holder’s Name(s):

ˆ POSB/DBS ˆ OCBC ˆ UOB

ˆ Standard Chartered ˆ Maybank ˆ HSBC

ˆ Citibank ˆ Others : ______________________

Bank Account Number (Please omit dash): Signature(s) / Thumbprint(s)* / Company Stamp (as in Bank’s record):

For OCBC Bank, please write full 10 or 12 digits account numbers

* Your thumbprint(s) need to be witnessed and veri¿ ed by the Bank’s staff. For signature(s), you have an option to approach your respective Bank for veri¿ cation.

Bank Account Holder’s Contact No. (Home/ Mobile):

AIA Insurance Adviser Name & Agency / Distributor Name:

For Non-HealthShield Policy Numbers:

• For loan repayment policy number pre¿ x must be “R”.

• Please ensure that policy numbers are written clearly.

1) 2) 3) 4) 5)

For AIA HealthShield & AIA HSG Max Rider ONLY:

• For GIRO application of AIA HSG Max Rider, please apply under basic HealthShield pre¿ x “H”, e.g. to apply GIRO for E123456789 policy, indicate as H123456789 on the form.

1) H

2) H

3) H

4) H

5) H

PART 2 : To Be Completed By AIA Singapore Private Limited

For POSB/DBS Accounts, please use the following account number: For Other Bank Accounts, please use the following account number:

BANK SWIFT BIC AIA Singapore Bank A/C No. BANK BRANCH AIA Singapore Bank A/C No.

DBSSSGSGXXX 0060126499 7232 141 010876001

PART 3: To Be Completed By Bank

To: AIA Singapore Private Limited

This application is hereby REJECTED (please tick for the following reason(s)):

ˆ Signature / Thumbprint# differs from bank’s records ˆ Wrong account number

ˆ Signature / Thumbprint# is incomplete / unclear# ˆ Amendments not countersigned by customer

ˆ Account operated by Signature / Thumbprint# ˆ Others: ___________________________________________

________________________________ ________________________________ ________________________________

Name of Approving Of¿ cer Authorised Signature Date

#Delete where applicable

PT0011063 (06/2016 10/2018A 02/2020)

(12)

This page is intentionally left blank

(13)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

3URGXFW6XPPDU\IRU$,$6WDU3URWHFWRU3OXV

9HUVLRQ

7KLV LQVXUDQFH SODQ LV XQGHUZULWWHQ E\ $,$ 6LQJDSRUH 3ULYDWH /LPLWHG 5HJ 1R 5  ³ZH RXU XV $,$

6LQJDSRUH´ 

$ 352'8&7,1)250$7,21

$,$6WDU3URWHFWRU3OXVLVDQDFFLGHQWDQGKHDOWKSODQZLWKPXOWLSOHSURWHFWLRQFRYHUDJHIRUMXYHQLOHVDJHGDQG

EHORZDWWKHSRLQWRIDSSOLFDWLRQ

%HQHILWVDQG3UHPLXP7DEOH

3OHDVHWLFNWKHUHTXLUHGSODQ

%HQHILWV3ODQ 3ODQ 3ODQ 3ODQ

,QVXUHG$PRXQW 6

%$6,&%(1(),76

 $FFLGHQWDO 'HDWK $FFLGHQWDO 'LVPHPEHUPHQW DQG %XUQV

%HQHILW

,IWKH,QVXUHGLVLQMXUHGLQDQDFFLGHQWDQGWKHLQMXU\UHVXOWVLQDQ\RIWKH

IROORZLQJORVVZLWKLQGD\VIURPWKHGDWHRIWKHDFFLGHQW

D  /RVVRIOLIH±ZHZLOOSD\WKH,QVXUHG$PRXQWIRUWKLVEHQHILW

E  $FFLGHQWDO'LVPHPEHUPHQWDQG%XUQV±ZHZLOOSD\DSHUFHQWDJHRI

,QVXUHG$PRXQWVSHFLILHGLQWKH6FKHGXOHRI,QGHPQLW\

  

 'RXEOH ,QGHPQLW\ IRU 'LVPHPEHUPHQW DQG %XUQV %HQHILW

'XULQJ6FKRRO$FWLYLWLHV2Q3XEOLF&RQYH\DQFH2Q3ULYDWH

&RQYH\DQFH$V3HGHVWULDQ 

:H ZLOO SD\ DQ DGGLWLRQDO DPRXQW HTXDO WR RQH WLPH WKH DPRXQW WKDW LV

SD\DEOH XQGHU WKH $FFLGHQWDO 'LVPHPEHUPHQW DQG %XUQV %HQHILW LI WKH

,QVXUHGLVLQMXUHGLQDQDFFLGHQWWKDWKDSSHQVZKHQKHRUVKHLV

D  ZLWKLQ WKH VFKRRO SUHPLVHV GXULQJ DQRIILFLDO VFKRRO GD\ WDNLQJ SDUW

LQ VFKRRO DFWLYLWLHV RU WUDYHOOLQJ EHWZHHQ KRPH DQG VFKRRO RU WKH

YHQXHZKHUHWKHVFKRRODFWLYLW\LVWDNLQJSODFH

E  ULGLQJDVDIDUHSD\LQJSDVVHQJHULQDSXEOLFFRQYH\DQFH

F  ULGLQJDVDSDVVHQJHURUDVWKHGULYHULQDSULYDWHFRQYH\DQFHRU

G DSHGHVWULDQRQWKHURDG

  

 0RQWKO\&DWDVWURSKH&DVK%HQHILW

,I WKH ,QVXUHG VXIIHUV D &DWDVWURSKLF 'LVDELOLW\ GXH WR LQMXU\ ZLWKLQ 

GD\VIURPWKHGDWHRIDQDFFLGHQWZHZLOOSD\WKH,QVXUHG$PRXQWIRUWKLV

EHQHILWHYHU\PRQWKIRUXSWR\HDUV

:HUHVHUYHWKHULJKWWRUHTXHVWIRUWKHSURRIRIWKHFRQWLQXDQFHRIVXFK

GLVDELOLW\IURPWLPHWRWLPH

PRQWK PRQWK PRQWK

 0HGLFDO5HLPEXUVHPHQW%HQHILW $FFLGHQW 'LVHDVH  ,IWKH,QVXUHGVXVWDLQVDQLQMXU\RUVXIIHUVIURPD'LVHDVHDQGUHTXLUHV

PHGLFDO WUHDWPHQW ZLWKLQ  GD\V IURP WKH GDWH RI WKH DFFLGHQW RU

GLDJQRVLV RI 'LVHDVH ZH ZLOO UHLPEXUVHWKH PHGLFDO H[SHQVHVLQFXUUHG

LQFOXGLQJKLULQJDOLFHQVHGRUJUDGXDWHQXUVHDQGDPEXODQFHFKDUJHV XS

WR6 XSWRWKH,QVXUHG$PRXQWIRUWKLVEHQHILW,IWKH,QVXUHGYLVLWVD

UHJLVWHUHG WUDGLWLRQDO &KLQHVH PHGLFLQH SUDFWLWLRQHU RU FKLURSUDFWRU IRU

WUHDWPHQWDVDUHVXOWRIDQDFFLGHQWRU'LVHDVHZHZLOOUHLPEXUVHXSWR

RIWKH,QVXUHG$PRXQWIRUWKLVEHQHILW

7KLV 0HGLFDO 5HLPEXUVHPHQW %HQHILW $FFLGHQW  'LVHDVH  VKDOO QRW EH

DSSOLFDEOH WR WKLV SROLF\ LI WKH ,QVXUHG LV QRW D FLWL]HQ RU SHUPDQHQW

UHVLGHQWRI6LQJDSRUHRUGRHVQRWKDYHDYDOLGSDVVLQ6LQJDSRUHRQWKH

GDWH RI WKH DFFLGHQW RU WKH GLDJQRVLV RI WKH 'LVHDVH DQG WKH PHGLFDO

H[SHQVHVDUHLQFXUUHGRXWVLGH6LQJDSRUH

  

(14)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

%HQHILWV3ODQ 3ODQ 3ODQ 3ODQ

,QVXUHG$PRXQW 6

 'DLO\+RVSLWDO,QFRPH%HQHILW $FFLGHQW 'LVHDVH 

,IWKH,QVXUHGVXVWDLQVDQLQMXU\LQDQDFFLGHQWRUVXIIHUVD'LVHDVHDQG

LVUHTXLUHGWRVWD\LQDKRVSLWDO PLQLPXPKRXUVZLWKURRPDQGERDUG 

ZH ZLOO SD\ WKH ,QVXUHG $PRXQW IRU WKLV EHQHILW IRU HDFK GD\ RI KRVSLWDOLVDWLRQIRUDPD[LPXPRIGD\V

7KLV 'DLO\ +RVSLWDO ,QFRPH %HQHILW $FFLGHQW  'LVHDVH  VKDOO QRW EH

DSSOLFDEOH WR WKLV SROLF\ LI WKH ,QVXUHG LV QRW D FLWL]HQ RU SHUPDQHQW

UHVLGHQWRI6LQJDSRUHRUGRHVQRWKDYHDYDOLGSDVVLQ6LQJDSRUHRQWKH

GDWHRIWKHDFFLGHQWRUWKHGLDJQRVLVRIWKH'LVHDVHDQGLVFRQILQHGLQD

KRVSLWDORXWVLGH6LQJDSRUH

GD\ GD\ GD\

 'RXEOH ,QGHPQLW\ IRU 'DLO\ +RVSLWDO ,QFRPH %HQHILW LQ ,&8

$FFLGHQW 'LVHDVH 

,QVXUHG VXVWDLQV DQ LQMXU\ LQ DQ DFFLGHQW RU VXIIHUV D 'LVHDVH DQG LV

UHTXLUHGWRVWD\LQDQLQWHQVLYHFDUHXQLWRIDKRVSLWDO PLQLPXPKRXUV

ZLWKURRPDQGERDUG ZHZLOOSD\DQDGGLWLRQDODPRXQWHTXDOWRRQHWLPH

WKH ,QVXUHG $PRXQW SD\DEOH XQGHU 'DLO\ +RVSLWDO ,QFRPH %HQHILW IRU D

PD[LPXPRIGD\V

7KLV'RXEOH,QGHPQLW\IRU'DLO\+RVSLWDO,QFRPH%HQHILWLQ,&8 $FFLGHQW

 'LVHDVH  VKDOO QRW EH DSSOLFDEOH WR WKLV SROLF\ LI WKH ,QVXUHG LV QRW D

FLWL]HQRUSHUPDQHQWUHVLGHQWRI6LQJDSRUHRUGRHVQRWKDYHDYDOLGSDVV

LQ6LQJDSRUHRQWKHGDWHRIWKHDFFLGHQWRUWKHGLDJQRVLVRIWKH'LVHDVH

DQGLVFRQILQHGLQDKRVSLWDORXWVLGHRI6LQJDSRUH

GD\ GD\ GD\

 3RVW+RVSLWDOLVDWLRQ +RPH &DUH %HQHILW $FFLGHQW  'LVHDVH 

,IWKH,QVXUHGVXVWDLQVDQLQMXU\LQDQDFFLGHQWRUVXIIHUVD'LVHDVHDQG

LVUHTXLUHGWRVWD\LQDKRVSLWDOIRUPRUHWKDQFRQVHFXWLYHGD\VZHZLOO

SD\WKH,QVXUHG$PRXQWIRUWKLVEHQHILW7KLVEHQHILWLVSD\DEOHRQO\RQFH

IRU HDFK DFFLGHQW RU GLVHDVH UHJDUGOHVV RI WKH QXPEHU RI

KRVSLWDOLVDWLRQV

  

 5HFXSHUDWLRQ %HQHILW 'HQJXH )HYHU DQG +DQG )RRW  0RXWK'LVHDVH 

,I WKH ,QVXUHG LV GLDJQRVHG ZLWK 'HQJXH )HYHU RU +DQG )RRW  0RXWK

'LVHDVH ZH ZLOO SD\ WKH ,QVXUHG $PRXQW IRU WKLV EHQHILW 7KLV EHQHILW LV

SD\DEOH RQO\ RQFH IRU HDFK SHULRG RI  \HDUV IURP WKH SROLF\ HIIHFWLYH

GDWHUHJDUGOHVVRIWKHQXPEHURIRFFXUUHQFHVRI'HQJXH)HYHURU+DQG

)RRW 0RXWK'LVHDVHGXULQJHDFK\HDUSHULRG

  

 (GXFDWLRQ$VVXUDQFH)XQG%HQHILW

D  $FFLGHQWDO'HDWKRI3ROLF\RZQHU

,I WKH 3ROLF\RZQHU VXVWDLQV DQ LQMXU\ DQG SDVVHV DZD\ ZLWKLQ 

GD\V IURP WKH GDWH RI DQ DFFLGHQW ZH ZLOO SD\ WKH ,QVXUHG $PRXQW

IRU WKLV EHQHILW 7KLV EHQHILW ZLOO WHUPLQDWH RQ WKH HDUOLHVW RI WKH

IROORZLQJHYHQWV

L WKH SROLF\ DQQLYHUVDU\ IROORZLQJ WKH ,QVXUHG¶V VW ELUWKGD\

LIWKH,QVXUHGLVQRORQJHUDVWXGHQW

LL WKHSROLF\DQQLYHUVDU\IROORZLQJWKH,QVXUHG¶VWKELUWKGD\

RU

LLL WKH3ROLF\RZQHU¶VWKELUWKGD\

7KLVEHQHILWLVSD\DEOHRQO\RQFHGXULQJWKHOLIHRIWKLVSROLF\

E  $FFLGHQWDO'HDWKRI,QVXUHG

,I WKH ,QVXUHG VXVWDLQV DQ LQMXU\ DQG SDVVHV DZD\ ZLWKLQ  GD\V

IURPWKHGDWHRIDQDFFLGHQWZHZLOOSD\WKH,QVXUHG$PRXQWIRUWKLV

EHQHILW SURYLGHG WKDW %HQHILW  D  KDV QRW EHHQ SDLG DQG LV

WHUPLQDWHG

  

(15)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

%HQHILWV3ODQ 3ODQ 3ODQ 3ODQ

,QVXUHG$PRXQW 6

 5HFRQVWUXFWLYH6XUJHU\5HLPEXUVHPHQW%HQHILW

,I WKH ,QVXUHG VXVWDLQV DQ LQMXU\ LQ DQ DFFLGHQW DQG UHTXLUHV DQ\ RI WKH

IROORZLQJ UHFRQVWUXFWLYH VXUJHULHV GHHPHG PHGLFDOO\ QHFHVVDU\ ZLWKLQ

 GD\V IURP WKH GDWH RI WKH DFFLGHQW ZH ZLOO UHLPEXUVH VXFK VXUJLFDO

H[SHQVHVLQFXUUHGXSWRWKH,QVXUHG$PRXQWIRUWKLVEHQHILW

D  &RVPHWLF 6XUJHU\  WKH XQGHUJRLQJ RI SODVWLF RU UHFRQVWUXFWLYH

VXUJHU\IRUWKHWUHDWPHQWRIIDFLDOGLVILJXUHPHQWEHLQJDGLUHFWUHVXOW

RIWKHDFFLGHQW VXUJHU\IRUFRVPHWLFUHDVRQVLVH[FOXGHG 

E  6NLQ7UDQVSODQWDWLRQWKHXQGHUJRLQJRIVNLQWUDQVSODQWDWLRQGXHWR

EXUQVUHVXOWLQJLQWKHIXOOWKLFNQHVVVNLQGHVWUXFWLRQRIDWOHDVWRI

WKHERG\VXUIDFHDUHD FRUUHFWLRQRIIDFLDOGLVILJXUHPHQWLVH[FOXGHG 

1LO  

 0RELOLW\$LGV5HLPEXUVHPHQW%HQHILW

,I WKH ,QVXUHG VXVWDLQV DQ LQMXU\ LQ DQ DFFLGHQW DQG UHTXLUHV WKH XVH RI

PRELOLW\ DLGV ZLWKLQ  GD\V IURP WKH GDWH RI WKH DFFLGHQW ZH ZLOO

UHLPEXUVHWKHH[SHQVHVLQFXUUHGLQWKHSXUFKDVHRIVXFKPRELOLW\DLGVXS

WRWKH,QVXUHG$PRXQWIRUWKLVEHQHILW

0RELOLW\ DLGV UHIHU WR HTXLSPHQWV WR DVVLVW ZDONLQJ RU PRYHPHQW IURP

SODFH WRSODFH LQFOXGLQJEXW QRW OLPLWHG WRZDONLQJVWLFNVFDQHV ZDONLQJ

IUDPHVEUDFHVFUXWFKHVZDONHUVZKHHOFKDLUVDQGPRWRULVHGVFRRWHUV

1LO  

 1DWLRQDO6HUYLFH&RYHU%HQHILW

,IWKH,QVXUHGLVD6LQJDSRUH)XOOWLPH1DWLRQDO6HUYLFHPDQ 16) DQGKH

VXVWDLQVDQLQMXU\LQDQDFFLGHQWZKLOHKHLVHQJDJLQJLQRUWDNLQJSDUWLQ

PLOLWDU\ VHUYLFH GXWLHV PLOLWDU\ WUDLQLQJV H[HUFLVHV PDQRHXYUHV RU

ZDUOLNH RSHUDWLRQ ZKLFK UHVXOWHG LQ DQ\ RI WKH IROORZLQJ ORVV ZLWKLQ 

GD\VIURPWKHGDWHRIWKHDFFLGHQW

D  /RVVRIOLIH±ZHZLOOSD\WKH,QVXUHG$PRXQWIRUWKLVEHQHILW

E  $FFLGHQWDO'LVPHPEHUPHQWDQG%XUQV±ZHZLOOSD\DSHUFHQWDJHRI

,QVXUHG $PRXQW RI WKLV EHQHILW VSHFLILHG LQ WKH 6FKHGXOH RI

,QGHPQLW\

1LO  

 (PHUJHQF\0HGLFDO(YDFXDWLRQDQG5HSDWULDWLRQ%HQHILW

D  (PHUJHQF\0HGLFDO(YDFXDWLRQ

,I WKH,QVXUHG VXVWDLQV DQ LQMXU\ LQ DQ DFFLGHQW ZKLOHWUDYHOOLQJRYHUVHDV

DQG RXWVLGH RI WKH KRPH FRXQWU\ DQG UHTXLUHV HPHUJHQF\ PHGLFDO

HYDFXDWLRQ ZH ZLOO SD\ WKH H[SHQVHV IRU VHUYLFHV SURYLGHG DQGRU

DUUDQJHG E\ XV RU WKH H[WHUQDO VHUYLFH SURYLGHU IRU WKH WUDQVSRUWDWLRQ

PHGLFDOVHUYLFHVDQGPHGLFDOVXSSOLHVQHFHVVDULO\LQFXUUHGDVDUHVXOWRI

SURYLGLQJ WKH HPHUJHQF\ PHGLFDO HYDFXDWLRQ XS WR WKH ,QVXUHG $PRXQW

IRUWKLVEHQHILW

E  5HSDWULDWLRQRI0RUWDO5HPDLQV

,I WKH,QVXUHG VXVWDLQV DQ LQMXU\ LQ DQ DFFLGHQW ZKLOHWUDYHOOLQJRYHUVHDV

DQGRXWVLGHRIWKHKRPHFRXQWU\DQGGLHVZLWKLQGD\VIURPWKHGDWH

RI WKH DFFLGHQW ZH ZLOO SD\ WKH H[SHQVHV IRU VHUYLFHV SURYLGHG DQGRU

DUUDQJHG E\ XV RU WKH H[WHUQDO VHUYLFH SURYLGHU IRU WKH WUDQVSRUWDWLRQ

FRVWV DQG H[SHQVHV IRU WKH UHWXUQ RI WKH ,QVXUHG¶V PRUWDO UHPDLQV WR

6LQJDSRUHRUWRKLVKHUKRPHFRXQWU\RUORFDOEXULDOFRVWVDWWKHSODFHRI

GHDWKXSWRWKH,QVXUHG$PRXQWIRUWKLVEHQHILW

1LO 1LO



SHUSROLF\

\HDU

 3D\RU%HQHILW

%HIRUHWKH3ROLF\RZQHU¶VWKELUWKGD\LIWKH3ROLF\RZQHUVXVWDLQVDQLQMXU\DQGSDVVHVDZD\ZLWKLQGD\VIURPWKHGDWH

RIDQDFFLGHQWIXWXUHSUHPLXPVGXHIRUWKHSROLF\ZLOOEHZDLYHGXQWLOWKHSROLF\DQQLYHUVDU\IROORZLQJWKH,QVXUHG¶VVW ELUWKGD\7KHUHDIWHUDOOVXEVHTXHQWSUHPLXPVVKDOOEHSD\DEOHDFFRUGLQJWRWKHWHUPVRIWKHSODQ

(16)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

 5HQHZDO%RQXV

)RUHDFK\HDUWKDWWKHSROLF\LVUHQHZHGDUHQHZDOERQXVHTXLYDOHQWWRRIWKH,QVXUHG$PRXQWIRU$FFLGHQWDO'HDWK

$FFLGHQWDO'LVPHPEHUPHQWDQG%XUQV%HQHILWZLOOEHJLYHQXSWRDPD[LPXPRIUHQHZDOERQXVHV

,IDORVVLVDGPLWWHGDQGLVSD\DEOHXQGHU$FFLGHQWDO'HDWK$FFLGHQWDO'LVPHPEHUPHQWDQG%XUQV%HQHILWZHZLOOSD\D

SHUFHQWDJH RI WKH UHQHZDO ERQXV DFFXPXODWHG VXFK SHUFHQWDJH VKDOO IROORZ WKH SHUFHQWDJH VWDWHG LQ WKH 6FKHGXOH RI

,QGHPQLW\IRUHDFKFRYHUHGORVVHYHQWEXWVXEMHFWWRDPD[LPXPOLPLWRIRIWKHUHQHZDOERQXVDFFXPXODWHG

3UHPLXP3D\DEOHIRU%DVLF%HQHILWV LQ6LQFOXVLYHRI

*67 3ODQ 3ODQ 3ODQ

6WDQGDUG3UHPLXP5DWHV

$QQXDO3UHPLXP   

6HPLDQQXDO3UHPLXP   

0RQWKO\3UHPLXP   

'LVFRXQWHG3UHPLXP5DWHV

RQO\DSSOLFDEOHWRSROLF\KROGHUVRI

6ROLWDLUH3$ ,, 3ODQDQGDERYH

$QQXDO3UHPLXP   

6HPLDQQXDO3UHPLXP   

0RQWKO\3UHPLXP   

237,21$/%(1(),7 ,IDSSO\LQJIRUWKLVEHQHILWSOHDVHWLFNRSWLRQ

&KLOG&ULWLFDO,OOQHVVHV%HQHILW

D  &KLOG&ULWLFDO,OOQHVVHV%HQHILW

,IWKH,QVXUHGLVGLDJQRVHGZLWKD&KLOG&ULWLFDO,OOQHVVZHZLOOSD\

WKH ,QVXUHG $PRXQW IRU &KLOG &ULWLFDO ,OOQHVVHV %HQHILW DQG WKLV

EHQHILWZLOOWHUPLQDWH

E  &RQYHUVLRQ3ULYLOHJH

)URPWKH,QVXUHG¶VWKELUWKGD\WRWKHSROLF\DQQLYHUVDU\IROORZLQJ

WKH ,QVXUHG¶V VW ELUWKGD\ WKH &KLOG &ULWLFDO ,OOQHVVHV %HQHILW PD\

EH FRQYHUWHG WR D ZKROH OLIH RU HQGRZPHQW SROLF\ FRYHULQJ GHDWK

WHUPLQDO LOOQHVV WRWDO DQG SHUPDQHQW GLVDELOLW\ DQGRU FULWLFDO

LOOQHVVHV ZLWKRXW IXUWKHU XQGHUZULWLQJ XS WR WKH ,QVXUHG $PRXQW RI

WKH&KLOG&ULWLFDO,OOQHVVHV%HQHILWSURYLGHGWKDWWKLVEHQHILWKDVQRW

EHHQSDLGDQGLVQRWWHUPLQDWHG7KLV&KLOG&ULWLFDO,OOQHVVHV%HQHILW

ZLOOWHUPLQDWHXSRQWKHFRQYHUVLRQ

3UHPLXP 3D\DEOH IRU 2SWLRQDO %HQHILW LQ 6 LQFOXVLYH RI

*67 ±&KLOG&ULWLFDO,OOQHVVHV%HQHILW

2SWLRQ

6

2SWLRQ

6

2SWLRQ

6

6WDQGDUG3UHPLXP5DWHV $QQXDO3UHPLXP   

6HPLDQQXDO3UHPLXP   

0RQWKO\3UHPLXP   

'LVFRXQWHG3UHPLXP5DWHV

RQO\DSSOLFDEOHWRSROLF\KROGHUVRI

6ROLWDLUH3$ ,, 3ODQDQGDERYH

$QQXDO3UHPLXP   

6HPLDQQXDO3UHPLXP   

0RQWKO\3UHPLXP   

'LVFRXQWHG3UHPLXP5DWHVLVDSSOLFDEOHWLOOWKH,QVXUHG¶V$JHDQG6WDQGDUG3UHPLXP5DWHVZLOODSSO\WKHUHDIWHU

7KH WRWDO GLVWULEXWLRQ FRVW RI WKLV SURGXFW LV  RI DQQXDO SUHPLXPV IRU WKH ILUVW \HDU DQG  RI DQQXDO SUHPLXPV IRU

UHQHZDO\HDUV'LVWULEXWLRQFRVWFKDUJHVDQGH[SHQVHVZLOOEHDYDLODEOHXSRQZULWWHQUHTXHVW 

6FKHGXOHRI,QGHPQLW\UHIHUVWR

  (YHQW RI,QVXUHG$PRXQW





/RVVRIOLIH

3HUPDQHQW7RWDO/RVVRI6LJKWRIERWKH\HV





 3HUPDQHQW7RWDO/RVVRI6LJKWRIH\H 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI/LPEV 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI/LPE 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI/LPEDQG/RVVRI6LJKWRIH\H 

 3HUPDQHQWORVVRIVSHHFKDQGKHDULQJ 

 3HUPDQHQWDQGLQFXUDEOHLQVDQLW\ 

 3HUPDQHQWWRWDOORVVRIKHDULQJ

ERWKHDUV

HDU





(17)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

  (YHQW RI,QVXUHG$PRXQW

 3HUPDQHQWORVVRIVSHHFK 

 3HUPDQHQWWRWDOORVVRIWKHOHQVRIH\H 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI)LQJHUVDQGWKXPERIDKDQG 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI)LQJHUVRIDKDQG 

 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRIWKXPE

ERWKSKDODQJHV

SKDODQ[





 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRID)LQJHU

SKDODQJHV

SKDODQJHV

SKDODQ[







 /RVVRIRUWKH3HUPDQHQW7RWDO/RVVRI8VHRI7RHV

DOOWRHVRIIRRW

JUHDWWRH±SKDODQJHV

JUHDWWRH±SKDODQ[

RWKHUWKDQJUHDWWRHHDFKWRH









 )UDFWXUHGOHJRUSDWHOODZLWKHVWDEOLVKHGQRQXQLRQ 

 6KRUWHQLQJRIOHJE\DWOHDVWFP 

 7KLUG'HJUHH%XUQV

$UHDGDPDJHDVDSHUFHQWDJHRIWRWDOERG\VXUIDFHDUHD

+HDG±HTXDOVWRRUJUHDWHUWKDQEXWOHVVWKDQ

+HDG±HTXDOVWRRUJUHDWHUWKDQEXWOHVVWKDQ

+HDG±HTXDOVWRRUJUHDWHUWKDQ

%RG\±HTXDOVWRRUJUHDWHUWKDQEXWOHVVWKDQ









 %RG\±HTXDOVWRRUJUHDWHUWKDQEXWOHVVWKDQ

%RG\±HTXDOVWRRUJUHDWHUWKDQ





$Q\ QXPEHU RI HYHQWV OLVWHG LQ WKH WDEOH DERYH DULVLQJ IURP RQH DFFLGHQW PD\ EH FODLPHG XQGHU WKLV EHQHILW SURYLGHG WKH

DJJUHJDWHVXPSD\DEOHIURPDQ\RQHVXFKDFFLGHQWVKDOOQRWH[FHHGRIWKH,QVXUHG$PRXQW

&DWDVWURSKLF'LVDELOLW\UHIHUVWR

&RPD

3DUDO\VLV

/RVVRIRUWKHLUUHYRFDEOHWRWDOORVVRIXVHRIOLPEV

,UUHYRFDEOHWRWDOORVVRIVLJKWRIERWKH\HV

/RVVRIRUWKHLUUHYRFDEOHWRWDOORVVRIXVHRIOLPEDQGLUUHYRFDEOHWRWDOORVVRIVLJKWRIH\H

'LVHDVHUHIHUVWR

+DQG)RRWDQG0RXWK'LVHDVH 3XOPRQDU\7XEHUFXORVLV

'HQJXH)HYHU 0HDVOHV

)RRG3RLVRQLQJ 5DELHV

6HYHUH$FXWH5HVSLUDWRU\6\QGURPH 6$56 0HOLRLGRVLV

9DULDQW&UHXW]IHOGW-DNRE'LVHDVH Y&-' RUµ0DG&RZ'LVHDVH¶ $YLDQ,QIOXHQ]DRUµ%LUG)OX¶GXHWR,QIOXHQ]D$

1LSDK9LUDO(QFHSKDOLWLV &KLNXQJXQ\D)HYHU

-DSDQHVH9LUDO(QFHSKDOLWLV 0XPSV

0DODULD 5XEHOOD

&KLOG&ULWLFDO,OOQHVVUHIHUVWR

$FTXLUHG%UDLQ'DPDJH /RVVRI/LPEVGXHWR6LFNQHVV

$SODVWLF$QDHPLD .DZDVDNL'LVHDVHZLWK+HDUW&RPSOLFDWLRQV

%RQH0DUURZ7UDQVSODQW 5KHXPDWLF)HYHUZLWK+HDUW,QYROYHPHQW

%UDLQ6XUJHU\ 6HYHUH$VWKPD

*ORPHUXORQHSKULWLV 6HYHUH(SLOHSV\

+DHPRSKLOLD 6WLOO¶V'LVHDVHLQFOXGLQJ6HYHUH-XYHQLOH5KHXPDWRLG$UWKULWLV

'HDWKDVDUHVXOWRI+DQG)RRW 0RXWK'LVHDVH 7XEHUFXORXV0HQLQJLWLV

,QVXOLQ'HSHQGHQW'LDEHWHV0HOOLWXV 9LUDO(QFHSKDOLWLV

/HXNDHPLD 

7KH&KLOG&ULWLFDO,OOQHVVHV%HQHILWZLOOWHUPLQDWHRQWKHSROLF\DQQLYHUVDU\IROORZLQJWKH,QVXUHG¶VVWELUWKGD\

%HVLGHV RWKHU XQGHUZULWLQJ OLPLWV DSSOLFDEOH WR WKLV SODQ WKH &KLOG &ULWLFDO ,OOQHVVHV %HQHILW LV DOVR VXEMHFW WR WKH &ULWLFDO

,OOQHVVSHUOLIHOLPLWRI6 DJJUHJDWHGZLWKRWKHUSROLFLHVRUULGHUVLVVXHGRQWKHVDPHOLIH )RUSROLFLHVLVVXHGLQ

RWKHUFXUUHQFLHVDFRQYHUVLRQUDWHDVGHWHUPLQHGE\WKHFRPSDQ\ZLOODSSO\

(18)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

<RX FRXOG UHIHU WR WKH SROLF\ FRQWUDFW IRU WKH IXOO GHILQLWLRQV DQG EHQHILW OLPLWDWLRQV <RX PD\ DOVR FRQWDFW \RXU $,$

)LQDQFLDO6HUYLFHV&RQVXOWDQW,QVXUDQFH5HSUHVHQWDWLYHRU$,$&XVWRPHU&DUH+RWOLQHDW

% .(<352'8&73529,6,216

7KHIROORZLQJDUHVRPHNH\SURYLVLRQVIRXQGLQWKHSROLF\FRQWUDFWRIWKLVSODQ7KLVLVRQO\DEULHIVXPPDU\DQG\RXDUH

DGYLVHG WR UHIHU WR WKH DFWXDO WHUPV DQG FRQGLWLRQV LQ WKH SROLF\ FRQWUDFW 3OHDVH FRQVXOW \RXU $,$ )LQDQFLDO 6HUYLFHV

&RQVXOWDQWRU,QVXUDQFH5HSUHVHQWDWLYHVKRXOG\RXUHTXLUHIXUWKHUH[SODQDWLRQ

 &DQFHOODWLRQ&ODXVH

7KLVLVDVKRUWWHUPDFFLGHQWDQGKHDOWKSROLF\DQGZHDUHQRWUHTXLUHGWRUHQHZWKLVSROLF\:HPD\WHUPLQDWHWKLVSROLF\

E\JLYLQJ\RXGD\V¶QRWLFHLQZULWLQJ6KRXOGVXFKFDQFHOODWLRQRFFXUZHVKDOOUHWXUQWKHXQHDUQHGSRUWLRQRISUHPLXP

6KRXOG\RXGHFLGHWRFDQFHOWKHFRYHUDJHXQGHUWKLVSROLF\ZHVKDOOUHWXUQWKHXQHDUQHGSRUWLRQRISUHPLXP

 )UHH/RRN

:H JLYH \RX  GD\V WR UHYLHZ WKH SROLF\ ,I \RX GHFLGH WKH SROLF\ LV QRW VXLWDEOH IRU \RXU QHHGV VLPSO\ UHWXUQ WKH

SROLF\ WR XV ZLWKLQ  GD\V IURP WKH GDWH \RX UHFHLYH WKH SROLF\ :H ZLOO UHIXQG WKH SUHPLXP ZLWKRXW LQWHUHVW DQG

LQFOXVLYHRI*67 OHVVDQ\PHGLFDOH[SHQVHVLQFXUUHGE\XVLQFRQVLGHULQJWKHDSSOLFDWLRQ7KLVSROLF\LVFRQVLGHUHG

WREHGHOLYHUHGDQGUHFHLYHGE\\RXXSRQSHUVRQDOGHOLYHU\RURQWKHGDWHZHVHQWWKLVSROLF\YLDHOHFWURQLFPDLORU

GD\VRISRVWLQJ

 7HUPVRI5HQHZDO

7KH SROLF\ LV LVVXHG IRU D SHULRG RI RQH \HDU FRPPHQFLQJ IURP WKH HIIHFWLYH GDWH RI WKH SROLF\ 7KH SROLF\ PD\ EH

UHQHZHGVXEMHFWWRWKHIROORZLQJ

D  UHQHZDOLVRQO\DYDLODEOHRQHDFKSROLF\DQQLYHUVDU\DQGXSWRWKHSROLF\DQQLYHUVDU\SULRUWRWKH,QVXUHG¶VWK

ELUWKGD\

E  \RXUSROLF\LVLQIRUFHRQWKHGDWHRIUHQHZDODQG

F  ZH UHFHLYH DQG DFFHSW SD\PHQW RI \RXU SROLF\¶V SUHPLXP ZLWKLQ WKH JUDFH SHULRG DQG LQ DFFRUGDQFH ZLWK WKH

SUHPLXPUDWHVDSSOLFDEOHRQWKHGDWHRIVXFKUHQHZDO



  5HQHZDORIWKHSROLF\LVQRWJXDUDQWHHG

 3UHPLXP

3UHPLXPV SD\DEOH IRU WKH SROLF\ DUH QRW JXDUDQWHHG DQG DUH VXEMHFW WR RXU UHYLHZ IURP WLPH WR WLPH DW RXU DEVROXWH

GLVFUHWLRQ:HZLOOVHQG\RXZULWWHQQRWLILFDWLRQDWOHDVWGD\VLQDGYDQFHRIDQ\FKDQJHLQSUHPLXPUDWH

7KLVSROLF\LVQRWD0HGLVDYHDSSURYHGSROLF\DQG\RXPD\QRWXVH0HGLVDYHWRSD\WKHSUHPLXPIRUWKLVSROLF\

 &KDQJHRI&RXQWU\RI5HVLGHQFHRU&LWL]HQVKLS

<RX PXVW QRWLI\ XV LQ ZULWLQJ LI WKHUH LV D FKDQJH LQ \RXU DQGRU WKH ,QVXUHG¶V FLWL]HQVKLS DQGRU XVXDO FRXQWU\ RI

UHVLGHQFHDVVRRQDVSRVVLEOH:HUHVHUYHWKHULJKWDQGVROHGLVFUHWLRQWRWHUPLQDWHRUGHFOLQHWRUHQHZWKHSROLF\RU

FRQWLQXHFRYHURQSUHYDLOLQJRUYDULHGWHUPVDQGFRQGLWLRQV

 1R&RYHU

7KLV3ROLF\VKDOOQRWFRYHURUSURYLGHIRUWKHSD\PHQWRIFODLPVRUEHQHILWVWRVSHFLILFSHUVRQVRUHQWLWLHVDVDUHVXOWRI

DQ\RIWKHIROORZLQJ7KHDSSOLFDWLRQRIRUFRPSOLDQFHZLWKFHUWDLQODZVDQGUHJXODWLRQVSURKLELWSHUIRUPDQFHEDVHGRQ

WKH LGHQWLW\ GRPLFLOH UHVLGHQFH SODFH RI LQFRUSRUDWLRQ HVWDEOLVKPHQW ZKHWKHU LQFRUSRUDWHG RU XQLQFRUSRUDWHG  RU

FLWL]HQVKLSRI\RXWKH,QVXUHGRUFODLPDQWRUWKHFRXQWU\ZKHUHWKHFODLPDULVHV6KRXOGDQ\SHUVRQRUHQWLW\EHIRXQG

WR KDYH EHHQ HUURQHRXVO\ HQUROOHG XQGHU WKLV SROLF\ LQVXUDQFH FRYHUDJH IRU VXFK SHUVRQ RU HQWLW\ VKDOO FHDVH ZLWK

LPPHGLDWHHIIHFWDQGDQ\XQHDUQHGSUHPLXPVSDLGWRVXFKSHUVRQRUHQWLW\VKDOOVXEMHFWWRFRPSOLDQFHZLWKODZVDQG

UHJXODWLRQVEHUHIXQGHGZLWKRXWLQWHUHVWWR\RX6KRXOGDQ\FODLPIRUSD\PHQWRIDQ\QDWXUHEHIRXQGWRKDYHEHHQ

PDGHXQGHUWKLVSROLF\E\DSHUVRQRUHQWLW\H[FOXGHGE\WKLVSURYLVLRQQRVXFKSD\PHQWZLOOEHPDGH

 ([FOXVLRQV

7KHUH DUH FHUWDLQ FRQGLWLRQV XQGHU ZKLFK QR EHQHILWV ZLOO EH SD\DEOH 7KHVH DUH VWDWHG DV H[FOXVLRQV LQ WKH SROLF\

FRQWUDFW7KHH[FOXVLRQVIRUWKLVSODQLQFOXGHEXWDUHQRWOLPLWHGWRWKHIROORZLQJFRQGLWLRQV<RXDUHDGYLVHGWRUHDG

WKHSROLF\FRQWUDFWIRUWKHIXOOOLVWRIH[FOXVLRQV

D  ZDU ZKHWKHUGHFODUHGXQGHFODUHGRURWKHUZLVH LQYDVLRQFLYLOZDUUHYROXWLRQRUDQ\ZDUOLNHRSHUDWLRQV

E  YLRODWLRQRUDWWHPSWHGYLRODWLRQRIWKHODZRUUHVLVWDQFHWRDUUHVW

F  HQJDJLQJLQRUWDNLQJSDUWLQDLUPLOLWDU\QDYDOWUDLQLQJH[HUFLVHVPDQRHXYUHVZDUOLNHRSHUDWLRQVRUKDQGOLQJ

RIH[SORVLYHVDQGGHPROLWLRQPDWHULDOVDQGZKLOHXQGHURUGHUVIRUUHVWRUDWLRQRISXEOLFRUGHUZKHWKHULQWLPHRI

SHDFHGHFODUHGXQGHFODUHGZDURURWKHUZLVHH[FHSWZKHUH

(19)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

L  RSHUDWLRQDOO\ UHDG\ QDWLRQDO VHUYLFH GXWLHV DUH FDUULHG RXW LQ 6LQJDSRUH RU RYHUVHDV ZKHUH DSSOLFDEOH  SXUVXDQWWRWKH(QOLVWPHQW$FW &DS RU

LL  H[SUHVVO\FRYHUHGXQGHU1DWLRQDO6HUYLFH&RYHU%HQHILWRIWKLV3ROLF\

G  HQJDJLQJ LQ DLU WUDYHO H[FHSW DV D IDUHSD\LQJ SDVVHQJHU LQ DQ\ SURSHUO\ OLFHQVHG SULYDWH DQGRU FRPPHUFLDO

DLUFUDIW RU DV D FUHZ PHPEHU LQ DSURSHUO\ OLFHQVHG FRPPHUFLDODLUFUDIW RSHUDWHGE\ DFRPPHUFLDO SDVVHQJHU

DLUOLQHRQDUHJXODUVFKHGXOHGSDVVHQJHUWULSRYHULWVHVWDEOLVKHGSDVVHQJHUURXWH

H  VXLFLGHRUDWWHPSWHGVXLFLGHRULQWHQWLRQDOVHOILQMXU\RUIURPGHOLEHUDWHH[SRVXUHWRH[FHSWLRQDOGDQJHU H[FHSW

LQDQDWWHPSWWRVDYHKXPDQOLIH ZKHWKHUVDQHRULQVDQH

I  FKLOGELUWK SUHJQDQF\ PLVFDUULDJH DERUWLRQ VWHULOLVDWLRQ FRQWUDFHSWLRQ WUHDWPHQW IRU LQIHUWLOLW\ RU DQ\

FRPSOLFDWLRQVFRQFHUQLQJWKHUHZLWKQRWZLWKVWDQGLQJWKDWVXFKHYHQWPD\KDYHEHHQDFFHOHUDWHGRULQGXFHGE\

LQMXU\

J  DQ\ IRUP RI GHQWDO FDUH RU VXUJHU\ WR VRXQG QDWXUDO WHHWK H[FOXGLQJ GHQWXUH DQG UHODWHG H[SHQVHV  XQOHVV

QHFHVVLWDWHGE\LQMXU\

K  DQ\IRUPRIFRVPHWLFSODVWLFVXUJHU\RUHOHFWLYHVXUJHU\XQOHVVQHFHVVLWDWHGE\LQMXU\

L  HQJDJLQJLQDVSRUWLQDSURIHVVLRQDOFDSDFLW\RUZKHUHRQHZRXOGRUFRXOGHDUQLQFRPHRUUHPXQHUDWLRQIURP

HQJDJLQJLQVXFKVSRUW

M  HQJDJLQJLQUDFLQJRIDQ\NLQGRWKHUWKDQRQELF\FOHHQJDJHGRQDOHLVXUHEDVLVRQIRRWDQGVZLPPLQJ

N  WUHDWPHQWRIDOFRKROLVPGUXJDEXVHRUDQ\RWKHUFRPSOLFDWLRQVDULVLQJWKHUHIURPRUDQDFFLGHQWFDXVHGZKLOVW

XQGHUWKHLQIOXHQFHRIGUXJVRUDOFRKRO

O  WUHDWPHQW IRU FRQJHQLWDO DEQRUPDOLWLHV DQG SK\VLFDO GHIHFWV IURP FKLOG ELUWK DQG WUHDWPHQW DULVLQJ IURP

SUHJQDQF\PLVFDUULDJHVDERUWLRQFKLOGELUWKVWHULOLVDWLRQFRQWUDFHSWLRQDVZHOODVWUHDWPHQWIRULQIHUWLOLW\

P  DQ\NLQGRIGLVHDVHRULOOQHVV H[FHSWZKHUHH[SUHVVO\FRYHUHGXQGHUWKLV3ROLF\ 

Q  DQ\RWKHUH[FOXVLRQVVWDWHGXQGHU&KLOG&ULWLFDO,OOQHVV%HQHILWRIWKLV3ROLF\ LIDSSOLFDEOH 

R  $,'6DQG+,9RUDQ\FRPSOLFDWLRQVDVVRFLDWHGE\DQ\+,9

S  RUDQ\SUHH[LVWLQJFRQGLWLRQ

 :DLWLQJ3HULRG

1R EHQHILWV ZLOO EH SD\DEOH LI WKH ,QVXUHG KDV EHHQ GLDJQRVHG ZLWK D &KLOG &ULWLFDO ,OOQHVV FRYHUHG XQGHU 2SWLRQDO

%HQHILW &KLOG &ULWLFDO ,OOQHVVHV %HQHILW  ZLWKLQ  GD\V RI WKH HIIHFWLYH GDWH RU ODVW UHLQVWDWHPHQW GDWH RI WKH SROLF\

ZKLFKHYHULVODWHU

 'HIHUPHQW3HULRG

)RU DQ\ RI WKH ORVVHV WKDW DUH GHVFULEHG DV ³3HUPDQHQW´ LQ WKH SROLF\ LW PXVW KDYH FRQWLQXHG IRU D SHULRG RI 

FRQVHFXWLYHPRQWKVIURPWKHGDWHRIWKHGLVDELOLW\DQGEH\RQGDQ\KRSHRILPSURYHPHQWDQGUHFRYHU\EHIRUHZHSD\

RXWDQ\EHQHILWVLQDFFRUGDQFHWRWKHWHUPVRIWKHSROLF\

)RUDQ\RIWKHORVVHVWKDWDUHGHVFULEHGDV³&DWDVWURSKLF'LVDELOLW\´LQWKHSROLF\LWPXVWKDYHFRQWLQXHGIRUDSHULRGRI

FRQVHFXWLYH PRQWKV IURP WKH GDWHRI WKH GLVDELOLW\ DQG EH\RQG DQ\ KRSH RILPSURYHPHQW DQGUHFRYHU\ EHIRUH ZH

SD\RXWDQ\EHQHILWVLQDFFRUGDQFHWRWKHWHUPVRIWKHSROLF\

 6XUYLYDO3HULRG

1REHQHILWVVKDOOEHSD\DEOHXQGHUWKH&KLOG&ULWLFDO,OOQHVVHV%HQHILWRIWKHSROLF\LIWKH,QVXUHGGLHVZLWKLQGD\V

IURPWKHGDWHRIGLDJQRVLVRID&KLOG&ULWLFDO,OOQHVV

 7HUPLQDWLRQ

7KLVSROLF\VKDOOLPPHGLDWHO\WHUPLQDWHRQWKHHDUOLHVWRIWKHIROORZLQJ

D  ZKHQDQ\SUHPLXPSD\DEOHXQGHUWKHSROLF\UHPDLQVXQSDLGDWWKHHQGRIWKHJUDFHSHULRG

E  RQWKHHIIHFWLYHGDWHVWDWHGLQWKHFDQFHOODWLRQQRWLFHLVVXHGSXUVXDQWWRWKH&DQFHOODWLRQFODXVHRIWKHSROLF\

F  RQWKHGDWHRIGHDWKRIWKH,QVXUHGRWKHUWKDQDVDUHVXOWRIDFFLGHQW

G  RQ WKH GDWH RI DFFLGHQW UHVXOWLQJ LQ WKH SD\PHQW RI FODLP IRU /RVV RI /LIH XQGHU $FFLGHQWDO 'HDWK $FFLGHQWDO

'LVPHPEHUPHQWDQG%XUQV%HQHILWRUSD\PHQWRIFODLPIRUWKH0RQWKO\&DWDVWURSKH&DVK%HQHILW

H  RQWKHGDWHRIDFFLGHQWZKLFKUHVXOWHGLQDJJUHJDWHGFODLPVDPRXQWLQJWRRUPRUHRQWKH,QVXUHG$PRXQW

RI $FFLGHQWDO 'HDWK $FFLGHQWDO 'LVPHPEHUPHQW DQG %XUQV %HQHILW GXULQJ WKH OLIH RI WKLV SROLF\ LQFOXGLQJ DOO

UHQHZDOV

I  RQWKHSROLF\DQQLYHUVDU\GDWHIROORZLQJWKH,QVXUHG¶VWKELUWKGD\RU

J  ZKHQ ZH H[HUFLVH RXU ULJKW RI WHUPLQDWLRQ XQGHU WKH &KDQJH RI &RXQWU\ RI 5HVLGHQFH RU &LWL]HQVKLS RU 1R

&RYHU

7HUPLQDWLRQRIWKLVSROLF\ZLOOQRWDIIHFWDQLQVXUHGHYHQWWKDWKDVDULVHQSULRUWRVXFKWHUPLQDWLRQRUORVVUHVXOWLQJIURP

VXFKLQVXUHGHYHQW

 &ODLPV3URFHGXUHV

:HPXVWUHFHLYHZULWWHQQRWLFHRIFODLPIRUORVVZLWKLQGD\VIURPWKHGDWHRIVXFKORVV<RXFRXOGUHIHUWRWKH

SROLF\ FRQWUDFW IRU GHWDLOV RQ FODLPV SURFHGXUHV <RX PD\ DOVR FRQWDFW \RXU $,$ )LQDQFLDO 6HUYLFHV &RQVXOWDQW

,QVXUDQFH5HSUHVHQWDWLYHRU$,$&XVWRPHU&DUH+RWOLQHDW

(20)

$,$6LQJDSRUH3ULYDWH/LPLWHG 5HJ1R5 

5RELQVRQ5RDG$,$7RZHU6LQJDSRUH$,$&XVWRPHU&DUH+RWOLQH$,$&206*

PS-SPPlus_ver 2.5 (072020)        3DJHRI

( 2(

,PSRUWDQW1RWHV

$OO LQVXUDQFH DSSOLFDWLRQV DUH VXEMHFW WR RXU XQGHUZULWLQJ DQG DFFHSWDQFH 6XEPLVVLRQ RI DQ DSSOLFDWLRQ DQG SD\PHQW RI

SUHPLXPGRHVQRWFRQVWLWXWHDQGVKRXOGQRWEHFRQVWUXHGDVDFFHSWDQFHE\XV:HUHVHUYHWKHULJKWWRZLWKGUDZWKHSODQRU

UHMHFWDSSOLFDWLRQVDWDQ\WLPHRUIRUDQ\UHDVRQZLWKRXWQRWLFH

7KLVSURGXFWVXPPDU\GRHVQRWIRUPDSDUWRIDQ\FRQWUDFWRILQVXUDQFH,WLVLQWHQGHGRQO\WREHDVLPSOLILHGGHVFULSWLRQRI

WKHSURGXFWIHDWXUHVDSSOLFDEOHWRWKLVSODQDQGLVQRWH[KDXVWLYH7KHFRQWHQWVRIWKLVSURGXFWVXPPDU\PD\YDU\IURPWKH

WHUPVRIFRYHUHYHQWXDOO\LVVXHG3OHDVHUHIHUWRWKHDFWXDOSROLF\FRQWUDFWIRUDOOWHUPVDQGFRQGLWLRQVLQFOXGLQJH[FOXVLRQV

ZKHUHE\WKHEHQHILWVXQGHU\RXUSROLF\PD\QRWEHSDLGRXW<RXDUHDGYLVHGWRUHDGWKHSROLF\FRQWUDFW)RUWKHDYRLGDQFHRI

GRXEWRQO\WKHWHUPVDQGFRQGLWLRQVDVVHWRXWLQWKHSROLF\FRQWUDFWZLOOELQGWKHSDUWLHV

%X\LQJ KHDOWK LQVXUDQFH SURGXFWV WKDW DUH QRW VXLWDEOH IRU \RX PD\ LPSDFW \RXU DELOLW\ WR ILQDQFH \RXU IXWXUH KHDOWKFDUH

QHHGV <RX DUH GLVFRXUDJHG IURP VZLWFKLQJ IURP DQ H[LVWLQJ DFFLGHQW DQGRU KHDOWK LQVXUDQFH SROLF\ WR D QHZ RQH ZLWKRXW

FRQVLGHULQJ ZKHWKHU WKH VZLWFK LV GHWULPHQWDO DV WKHUH PD\ EH SRWHQWLDO GLVDGYDQWDJHV ZLWK VZLWFKLQJ $ SHQDOW\ PD\ EH

LPSRVHGIRUHDUO\SROLF\WHUPLQDWLRQDQGWKHQHZSROLF\PD\FRVWPRUHRUKDYHIHZHUEHQHILWVDWWKHVDPHFRVW

7KLV SROLF\ LV SURWHFWHG XQGHU WKH 3ROLF\ 2ZQHUV¶ 3URWHFWLRQ 6FKHPH ZKLFK LV DGPLQLVWHUHG E\ WKH 6LQJDSRUH 'HSRVLW

,QVXUDQFH &RUSRUDWLRQ 6',&  &RYHUDJH IRU \RXU SROLF\ LV DXWRPDWLF DQG QR IXUWKHU DFWLRQ LV UHTXLUHG IURP \RX )RU PRUH

LQIRUPDWLRQRQWKHW\SHVRIEHQHILWVWKDWDUHFRYHUHGXQGHUWKHVFKHPHDVZHOODVWKHOLPLWVRIFRYHUDJHZKHUHDSSOLFDEOH

SOHDVHFRQWDFW\RXULQVXUHURUYLVLWWKH*,$/,$RU6',&ZHEVLWHV ZZZJLDRUJVJRUZZZOLDRUJVJRUZZZVGLFRUJVJ 

0RVWRIWKHEHQHILWVRIWKHSROLF\ZLOOEHSD\DEOHXSRQDQDFFLGHQWRFFXUULQJ

(21)

This page is intentionally left blank

(22)

This page is intentionally left blank

(23)

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday: 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

(07/2020 09/2020 11/2020)

References

Related documents

The pathological demand avoidance group displayed comparable levels of autistic traits and peer problems to the autism spectrum disorders group and anti-social traits approaching

An analysis of the economic contribution of the software industry examined the effect of software activity on the Lebanese economy by measuring it in terms of output and value

Year of implementation: 2003 - 2004 Construction cost: 60.000.000 Euro Progress: Design approved.. Tunnel of the route n° E78 so called

Dietetic Internship: Oncology, Nutrition Support, Diet and Cancer Prevention, Food Allergies Instructor , School of Allied Health, University of Nebraska Medical Center, Omaha,

Major unknown: Identification of unknown bacteria using staining techniques AND biochemical tests that you have learned during the ENTIRE semester- worth at least 50 points.. (we

The research work was conducted on the limestone deposits within Ijebu member, Ewekoro formation with a total depth of 120.0 meters, at Ikise within the Southern axis of Odogbolu

This collection contains personal and business correspondence, business and financial records, books, photographs, and ephemera related to Captain Michael Shellens (1854-1944) and

The district/system acts on the team's required actions and submits an Accreditation Progress Report at prescribed intervals following the Quality Assurance Review.. The