From AXA (Hong Kong)

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1 Specialists in Wealth Management Life & Critical Illness Insurance From AXA (Hong Kong)

2 Product Description Life Insurance: Pays out a fixed and guaranteed cash amount in the event of death Designed to provide beneficiaries with the money they need, if the insured person dies Extremely important to have if there are other people financially dependant on the insured person, particularly children Critical Illness insurance claims, by illness type Critical Illness Insurance: Pays out a fixed and guaranteed cash amount in the event of suffering a critical illness A critical illness is an injury, disease, or other illness which could potentially be fatal Typical examples include cancer, heart attack, brain damage, blindness, AIDS etc Designed to provide financial support to the insured person and their family, replace lost income, pay for required medical care, or simply to enjoy more fully the closing stages of their life

3 About AXA A French global financial company, specialising in insurance Established in 1817 Listed on the Euronext Stock Exchange (ticker symbol CS ) Total assets of around USD $1trillion ($1,000,000,000,000) Each year, clients pay around USD $100billion to AXA AXA is a conglomerate of independently run businesses, operated according to the laws, regulations, and market opportunities of many different countries Each AXA company is different, and therefore the products they offer are different Imperium Capital has found AXA Hong Kong to offer the best value insurance products, not just in comparison to other AXA businesses, but also in comparison to other insurance products from around the world

4 AXA Life & Critical Illness Insurance Key Features Competitive premiums High levels of cover no maximum amount Very high underwriting limits (up to $550,000 with no medical exam) Critical Illness covers 45 common major illnesses, including Cancer & HIV/AIDS Early stage pay-out on claims Two types of cover available: Level Term cover provides low-cost, fixed-price cover for a term of five years Whole-of-Life cover guarantees that you will get back more than you pay, if you keep to the payment terms including being able to be paid cash if you do not claim on the insurance Available in either USD or HKD

5 Option 1: Five Year Term Insurance Key Features: Pays a fixed and guaranteed lump sum if you pass away or are diagnosed with a critical illness Early stage pay-out on claims 5-year term, with fixed and guaranteed pricing throughout Pay monthly, annually, or as a single premium Technical Details: The cost of the insurance depends on age, smoker/nonsmoker, gender, and amount of insurance cover Critical illness insurance is optional add-on, and can be of equal or lower value than the amount of life insurance cover Life Insurance applicants need to be less than 70 years old Critical Illness Insurance applicants need to be less than 60 years old

6 Option 2: Whole-of-Life Insurance Key Features: Pays a fixed and guaranteed lump sum if you pass away or are diagnosed with a critical illness Cover up to age 100 for life, up to age 85 for critical illnesses Multiple claims for critical illnesses Early stage pay-out on claims Choice of payment terms pay monthly or annually over 10/15/20/25 years, or as a single premium at the start Additional 35% extra life cover during the first 10 years, at no extra cost Guaranteed cash value upon surrender or maturity if no claims made Technical Details: The cost of the insurance depends on age, smoker/nonsmoker, gender, amount of insurance cover, and payment duration selected

7 Critical Illnesses covered Cancers, such as: Lung Cancer Liver Cancer Breast Cancer Cervical Cancer (all except skin cancer) Heart diseases: Heart Attack Coronary Artery Disease Surgery to Aorta Primary Pulmonary Arterial Hypertension Heart Valve Surgery Cardiomyopathy Eisenmenger s Syndrome Immune System: AIDS/HIV due to blood transfusion Occupationally acquired AIDS/HIV Nervous System: Stroke Paralysis Coma Parkinson s Disease Alzheimer s Disease Multiple Sclerosis Bacterial Meningitis Benign Brain Tumour Encephalitis Poliomyelitis Motor Neurone Disease Muscular Dystrophy Brain Damage Apallic Syndrome/Vegetative State Progressive Bulbar Palsy Amyotrophic Lateral Sclerosis Necrotising Fasciitis Major Organs/Functions: Chronic and Irreversible Kidney Failure Major Organ Transplantation Chronic Liver Disease End Stage Lung Disease Fulminant Hepatitis Severance of Limbs Major Burns Blindness Deafness (loss of hearing) Loss of Speech Loss of Independent Existence Progressive Supranuclear Palsy Spinal Muscular Atrophy Other Major Illnesses: Aplastic Anaemia Terminal Illness Medullary Cystic Disease Elephantiasis Dissecting Aortic Aneurysm

8 AXA Life & Critical Illness Insurance Payment methods Credit card Bank transfer (direct to AXA s account with Citibank Hong Kong) Claims Process: Either contact AXA Hong Kong directly, or contact Imperium Capital who will assist you Very quick pay-out time for critical illness claims AXA reserve the right to ask for a second opinion from another Doctor, but once confirmed as a valid claim, the money is paid directly to a bank account of the clients choice within 3 working days Life insurance claims require a certified copy of the death certificate, and take approximately 5 working days Claims can be dealt with by telephone, , courier, or in person Maximum insurance limits without the need for a medical, based on age: Over 65 $550,000 $300,000 $160,000 $50,000 $25,000 $0

9 The role of Imperium Capital Full help and assistance with: Personalised quotations Completing application forms Answering questions about the products Delivery of policy documents Making claims General help & support Imperium Capital staff available for contact by: Telephone In person us at

10 end of presentation We look forward to welcoming you as a new client of AXA and Imperium Capital

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