PROTECTION AIA PREMIER DISABILITY COVER. Have you got a substitute income earner? If not, protect your income when you are unable to work AIA.COM.

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1 PROTECTION AIA PREMIER DISABILITY COVER Have you got a substitute income earner? If not, protect your income when you are unable to work AIA.COM.SG

2 Stroke is the top cause of disability* More than 60 % of stroke survivors remain significantly disabled 3 months after they are afflicted* * Source: Supervised therapy helps stroke patients recover faster The Straits Times, 29 March 2012.

3 AIA Premier Disability Cover 4 Your biggest financial asset is yourself It is often said that the family home is the biggest financial commitment that most of us will make in our lifetime. That s true. But your biggest financial asset is not your home, it s yourself. And for the average employed Singaporean, this asset could be worth close to $4m +. Surprised? Your lifetime earnings can easily amount to $4 million +. Wouldn t you want to protect that asset? Perhaps you don t feel like a millionaire now, but the cumulative power of your earnings should not be underestimated. You insure your car, your home, and your valuables, so isn t it wise to also protect your single biggest asset - your ability to earn an income? Example Kelvin Lee is a 34-year-old marketing executive. He earns $4,500 per month, and expects to get a 5% pay rise each year until he retires at age 65. From now, until he retires, his cumulative lifetime earnings will amount to about $3,821,000. Cumulative Lifetime Earnings ($) 4,000,000 3,000,000 2,000,000 1,000, Age + $4,655 monthly nominal earnings per employee (all-industry average) in Q Source: Singapore Department of Statistics, Monthly Digest of Statistics February 2012.

4 AIA Premier Disability Cover 6 Disability income plans I m concerned about loss of income for 3 months or more due to disability through accident or illness. Financially speaking, disability can be worse than passing away. It is one of the most devastating threats to a family s financial security. And it s a mistake to think that disability only strikes the elderly. Every year, more than 10,000 people in Singapore suffer a stroke and are admitted to hospital; it s the top cause of disability^. And 1 in 10 of all hospital admissions are the result of an accident^. We are all at risk, all the time, and an illness or injury that prevents you from working can start a downward slide that wipes out all of your assets. First a family can lose its main source of income, and then its savings, as it struggles to pay the mortgage, regular bills and children s education expenses. Other types of insurance may take care of most of your medical expenses, and offer cash payouts for lost income in the short term. But they will not protect you against the impact of loss of income over an extended, or permanent, period of time. AIA Premier Disability Cover has been designed to complement your other accident, health and severe disability insurance coverage for 360 protection. Hospital income, or hospital cash plans I m concerned about loss of income or expenses not covered by my basic medical plan. Critical illness plans I m concerned about the costs associated with a major illness, like Cancer. Medical or hospital expense plans I m concerned about paying for medical expenses if I am hospitalised. Personal accident plans I m concerned about medical bills and loss of income if I am injured in an accident. ^ Source: Ministry of Health website Top 10 conditions of hospitalisation.

5 AIA Premier Disability Cover 8 Effective protection for your biggest asset - income Your lifetime income is your biggest financial asset. AIA Premier Disability Cover is an effective way to protect it. It pays a monthly benefit of up to 75% of your existing income if you are unable to work and earn an income due to illness or injury. We offer certainty of benefit payout regardless of any future changes to your income or payouts from other disability income policies 1. Key benefits of this plan include: Income Benefit When you are not earning any income If you become disabled and are unable to perform your own occupation to earn an income, the plan will, at the expiry of the deferment period, pay out the monthly benefit for up to 2 years. Thereafter, you are still eligible to receive the monthly benefit (up to age 65 or until you recover from your disability, whichever is earlier) if you are unable to perform any suitable occupation by training, experience or education to earn an income. When you are still earning income If you can find paid work of another kind with pay that is lower than the monthly benefit you have purchased, the plan will top up your earnings to match the amount of the monthly benefit. 4,000 Your Income 3,000 AIA gives 1,000 2,000 Your Income AIA Supplements Lump sum payouts Rehabilitation Benefit reimburses necessary rehabilitation expenses 2 of up to 6 times the monthly benefit per disability. Catastrophic Disability Benefit 3 pays 24 times the monthly benefit. Death Benefit 4 of 12 times the monthly benefit. Payback Benefit A deferment period of 60 days of disability must elapse before the first payout is made. AIA Premier Disability Cover offers a Payback Benefit of up to 2 times the monthly benefit to replace lost income during the deferment period. Your income before disability First 2 years: Income protection when you cannot work Subsequent years: Income supplement if you are able to work at a reduced capacity Premium waiver with continued protection Your premium will be waived when you are receiving the monthly benefit, up to age 65 or until you recover from your disability, whichever is earlier. This means that you will not have to pay future premiums, but you will continue to be protected and eligible to receive benefits. Age 45 and below? Enjoy protection of up to $6,000 per month with no routine medical examination required.

6 AIA Premier Disability Cover 10 Example 1 5 Jack Tan is a 34-year-old sales executive, married with one child. As the family s main income earner, he decides to protect his future earnings with AIA Premier Disability Cover at the protection level of 50% of his existing income of $8,000 per month ($4,000 monthly benefit), for an annual premium of $1,376. At the age of 45, he suffers a stroke leaving him with significant speech impairment. He is unable to communicate effectively with his clients and therefore, unable to work as a sales executive. During the 60-day deferment period, he receives sick pay. After the 60-day deferment period where he has no income, Jack will receive the monthly benefit of $4,000 for the next 2 years as his disability persisted and prevented him from working as a sales executive. His future premium payments are waived but he continues to be covered under the plan. On his doctor s recommendation, and approved in advance by AIA, he undergoes speech therapy and is reimbursed for the full cost of $16,800 under the Rehabilitation Benefit. Example 2 6 Eric Lim is a 39-year-old accountant, single and living with his widowed mother. As the family s sole breadwinner, he decides to protect his future earnings with AIA Premier Disability Cover at 75% of his existing income of $10,000 per month ($7,500 monthly benefit), for an annual premium of $2,130. At the age of 43, he is involved in a road traffic accident which leaves him permanently paralysed from the waist down. Therefore, he is unable to work as an accountant or any suitable occupation that he has been taught, experienced, or been trained for throughout his lifetime. He is on medical leave for a month before quitting his job as he is no longer able to work as an accountant. He receives a Catastrophic Disability Benefit in the form of a lump sum payout of $180,000 immediately. He also receives a Payback Benefit of $5,000 to cover for the lost income during the deferment period. His future premium payments are waived and he starts to receive a monthly benefit of $7,500 two months later. At the age of 60, he passes away unexpectedly. The Death Benefit of $90,000 is paid to his mother. After claiming 2 years of benefits, his condition improves but he is still unable to work as a sales executive. He is also unable to work in a suitable occupation that he has been taught, experienced, or been trained for so he can only work part-time as a data-entry clerk earning $1,500 per month. As long as the disability persists or up to the age of 65, whichever is earlier, he receives a monthly benefit of $2,500, thereby topping up his earned income to the value of the monthly benefit. Age 43: Permanently paralysed Catastrophic Disability Benefit: 24 x $7,500 = $180,000 Receive Payback Benefit: (2 x $7,500) $10,000 = $5,000 Age 60: Passed away unexpectedly Death Benefit: 12 x $7,500 = $90,000 Age 45: Suffers stroke No improvement in condition Undergoes speech therapy After claiming 2 years of benefits: Condition improves & is able to work as a data-entry clerk earning $1,500 per month Age day deferment period Receive Monthly Benefit of $7,500 Premium waived 60-day deferment period Rehabilitation Benefit: $16,800 Monthly Benefit minus current earning: $4,000 $1,500 = $2,500 He pays: 4 years x $2,130 = $8,520 AIA pays: $180,000 + $5,000 + (202 months x $7,500/month) + $90,000 = $1,790,000 Receive Monthly Benefit of $4,000 Receive Monthly Benefit of $2,500 Premium waived He pays: 11 years x $1,376 = $15,136 AIA pays: (24 months x $4,000/month) + $16,800 + (214 months x $2,500/month) = $647,800

7 AIA Premier Disability Cover 12 Frequently Asked Questions It is always our intention to write in plain English, and to be as transparent as possible when describing our products. The questions and answers below reflect the most common concerns raised by our customers. If you have any other questions not addressed here, please ask your AIA Financial Services Consultant for more information. Alternatively, you may visit our website at AIA.COM.SG or contact our AIA Customer Care Hotline at Q1. Who can apply for AIA Premier Disability Cover? You can apply if you are aged between 16 and 60 years old on your last birthday. You do not need to be currently in paid employment to apply. Housewives and retirees may apply with a maximum monthly benefit of $2,500. Q2. Under what circumstances will the plan pay out? AIA Premier Disability Cover will pay out benefits if you are disabled and unable to work to earn an income. If you are working in a paid job of another kind and earn a reduced income, the benefit payable will be reduced by your current earnings to top up to the monthly benefit. It also pays out a lump sum benefit if you suffer catastrophic disability. In the event of any qualifying disability claim, you will also be eligible to make a claim for the Rehabilitation Benefit. If you should pass away, a Death Benefit may be claimed by your dependents. Please refer to the Product Summary for a comprehensive description of qualifying criteria and definitions. Q3. Is there a waiting period before a claim is payable? Yes. There is a deferment period of 60 continuous days from the first day you meet the disability definition till the day the monthly benefit payout starts. For recurrent disability occurring within 12 months of the last disability payout and catastrophic disability, the 60-day deferment period does not apply. Q4. How would my claim be assessed if I am disabled while I am not working? If you are disabled while you are not working, the plan will pay out the monthly benefit after the deferment period, for up to 2 years if you are unable to perform 1 out of 5 Activities of Daily Living (ADL) (transferring, mobility, dressing, washing and feeding). Thereafter, you are still eligible to receive the monthly benefit (up to age 65 or until you recover from your disability, whichever is earlier) if you are unable to perform 2 out of 6 ADL (as listed above and includes toileting). Q5. Are my premiums guaranteed? The premium rates for this plan are not guaranteed and may be adjusted based on future experience. Q6. Can I increase the monthly benefit amount during the policy term? You may increase the monthly benefit amount during the first year of the policy term only, subject to underwriting. If you wish to increase your level of protection in subsequent years, you may purchase an additional policy. Q7. How will claims be paid out? Benefits payable under the plan are paid in cash to spend as you wish, with the exception of the Rehabilitation Benefit which is paid on a reimbursement basis. In the event of death, the Death Benefit will be paid to your beneficiaries. Any payment or continued payment of the monthly disability benefit is subject to us receiving proof of disability and proof of loss and/or change of income to our satisfaction. If you are residing outside of Singapore at the time when a claim is admitted, you will be required to furnish further evidence to support the claim. Please refer to the Policy Contract for more details. Q8. What happens if my country of residence and/or occupation changes? You need to write and let us know when your country of residence; occupation and/or the material or substantial duties of your occupation change. We may increase or reduce the premiums payable, and/or the benefits payable or impose different terms and conditions or terminate the Policy, according to the risk classification of your new country of residence and/or new occupation. Q9. What conditions are excluded from this policy? Common exclusions include HIV/AIDS, suicide and pre-existing conditions. For more information on exclusions, please refer to the Product Summary. Q10. Can I change my mind and cancel the policy after I ve purchased? Yes. You may cancel the plan by writing to us within 14 days from the date you receive your policy document (free-look period) and receive a refund of your premium paid without interest (less any expenses incurred for your medical examination).

8 AIA Premier Disability Cover 14 We Are Asia About AIA Group The AIA Group is a leading pan-asian life insurance organisation that traces its roots in the Asia Pacific region back more than 90 years. It provides consumers and businesses with products and services for life insurance, retirement planning, accident and health insurance AIA Group as well Limited as wealth and management its subsidiaries solutions. (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group in the world. It has wholly-owned main operating subsidiaries or branches in 14 markets in Asia Pacific Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau and Brunei and a 26 per cent joint venture shareholding in India. 1 Subject to full disclosure and no over insurance at the point of application. 2 Any rehabilitation treatments and expenses shall be approved in writing by AIA, and where appropriate, be certified in writing by a physician to be necessary prior to the incurrence of such expenses. 3 Catastrophic Disability Benefit is payable only once during the lifetime of the policy. 4 Death Benefit is applicable for standalone policy only. 5 The example is based on a 34-year-old Male non-smoker, occupational class 2 and is for illustration purpose only. 6 The example is based on a 39-year-old Male non-smoker, occupational class 1 and is for illustration purpose only. Important notes All terms in upper case set out in this brochure are defined in the Policy Contract. This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No R) ( AIA ). All insurance applications are subject to AIA s underwriting and acceptance. This brochure is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. Buying a life insurance policy is a long-term commitment. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. The information in this brochure is correct at the time of printing (1 June 2012). The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader in the Asia Pacific region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$114,461 million as of 30 November AIA meets the savings and protection needs of individuals by offering a range of products and services including retirement planning, life insurance and accident and health insurance. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents and employees across Asia Pacific, AIA serves the holders of more than 24 million individual policies and over 10 million participating members of group insurance schemes. AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code 1299 with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: AAGIY ).

9 AIA Singapore Private Limited (Reg. No R) 1 Robinson Road, AIA Tower, Singapore Monday - Friday 8.45am pm AIA Customer Care Hotline: AIA.COM.SG SGPD

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