Death Benefits

If the Insured passes away during the insurance period, the Insurer will pay the amount of Death Benefits, determined by the following (whichever is larger):

• Life Sum Insured at the date of claim approval, or
• 5 (five) times of Annualized Regular Basic Premium, including investment benefits in form of all Investment Value Balance stated in the Policy up to the date of claim approval.

Critical Illness Benefits

The amount of money that will be paid at the date the Insured is diagnosed with one of the 3 (three) Critical Illness by a doctor (Critical Illness Diagnosis Date), amounting 20% of (whichever is larger):

1. Life Sum Insured, or
2. 5 (five) times of Annualized Regular Basic Premium

1. The payment of the above benefits will:
   1. Only be paid 1 (one) time upon the Insured is diagnosed with one of the 3 (three) Advanced Stage Critical Illness (First Occurrence of a Heart Attack, Cancer, or Stroke), in accordance with the terms used under the Insurance Policy; and
   2. Be conducted after being taking all loans and obligations into account, if any; and
   3. Reduce the amount of Sum Insured with the amount of paid Critical Illness Sum Insured.
2. After all the above benefits are paid, the Critical Illness Benefit will automatically end.
3. If the Insured is still alive for 3 (three) years from the approval of the date of Critical Illness Diagnosis Date by the Insurer, then the Sum Insured will be reset after the Critical Illness Benefit is paid to the Insured.
4. The amount of Sum Insured referred in Point C is the last Sum Insured amount subtracted by accumulation of Regular Basic Premium Investment Value withdrawal, if any.

Investment Benefits

The investment value balance in this policy will be paid upon the occurrence of the following events:

• The Insured passes away during the Insurance Period; or
• The Insured lives until the end of the Insurance Period; or
• You make a partial or complete withdrawal of this Policy; or
• Your policy is canceled, however there are still remaining Investment Value after being subtracted with investment losses and profits and surrender costs as well as other obligations (if any).

Persistency Benefits

The Insurer will pay the Persistency Bonus Benefits in the form of Unit addition to the Investment Value amounting 70% (seventy percent) of the annual Regular Basic Premium (not including the Regular Top Up Premium), if the Insured is still alive and the Policy is still in force at the end of 5th Policy Year, with the following requirements fulfilled:

• Timely payments of regular premium within the first 5 (five) Policy years
• No partial withdrawal of the Regular Basic Premium Investment Value within the first 5 (five) Policy years.

End of contract benefits (Maturity)

If the Insured lives until the end of the Insurance Period, the Insurer will pay the investment benefits in form of all Investment Value Balance (if any) at the end of Insurance Period.