T&D Financial Life Launched New Whole Life Insurance. Shougai Premium World 2
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1 June 25, 2013 T&D Financial Life Insurance Company Kazuyoshi Shimada, President T&D Financial Life Launched New Whole Life Insurance Shougai Premium World 2 T&D Financial Life Insurance Company, a subsidiary of T&D Holdings, Inc., launched non-participating variable whole life insurance (Foreign exchange linked, multi-currency Type II), which is called Shougai Premium World 2. This new product Shougai Premium World 2 is a yen denominated whole life insurance featuring an accumulated bonus that increases its volume every year based on the reference rate of its linked foreign currency. Besides preparing death benefit for the surviving family, holders can also use this accumulated bonus to fund for his/her post-retirement years. The product is a revised version of the former Shougai Premium World [non-participating variable whole life insurance (Foreign exchange rate linked, multi-currency Type I)]. Based on the reference rate of its linked foreign currency, Shougai Premium World was a product which the accumulated bonus increases every year by the bonus added annually throughout the insured s lifetime. While keeping this main feature, the Company revised the product by raising the eligibility age of the insured from 70 to 75, revising bonus rate level, and carefully selecting 2 linked foreign currencies from the former 3. Features of Shougai Premium World 2 are as follows; 1. nnual bonus for a lifetime - is added to the accumulated bonus every year over the lifetime of the insured. The bonus is calculated using the bonus rate and the exchange fluctuation rate of the linked currency (either US dollar or ustralian dollar). The bonus rate is given based on the reference rate of the linked currency. - The accumulated bonus could be withdrawn in full anytime throughout the lifetime. 2. ccumulation and growth for a lifetime - The accumulated (which is single premium less initial cost at the time of the contract) grows according to the accumulation rate throughout the lifetime of the insured. Please note that death benefit will not equal to the accumulated since the exchange fluctuation rate is reflected in its calculation. - The accumulation rate is applied at the time of the contract and fixed throughout the lifetime. The accumulation rate is given based on the reference rate level of the linked currency as of the time of the contract. 1
2 3. Death benefit for a lifetime - In the event of the death of the insured, death benefit (which the exchange fluctuation rate is reflected according to the linked currency) will be paid. - By adding the foreign currency payment rider, death benefit could be received in foreign currency. T&D Financial Life will further endeavor to offer products and services satisfying customer needs. Please see the attachments for more details. 2
3 1. Structure Basic X rate X Exchange fluctuation rate Initial cost (Single premium x 5.0%) 1 B! Since the bonus is calculated using the exchange fluctuation rate, the fluctuates every year ccumulated bonus X Exchange fluctuation rate:100% Basic (Single premium) ccumulated Basic surrender Whole life benefit The largest of the following: (i) Basic (ii) ccumulated (iii) Basic surrender (Policy period: whole life) 2 Death benefit = X Exchange fluctuation rate:70% Exchange X fluctuation rate + B 1 Contract date Basic : 10 million Foreign Exchange rate at the contract date: 100 Exchange rate 追 at 加 the 額 date of death of the insured: Date of Basic : 10 million ccumulated 10.5 million death Basic surrender : 10.1 million Exchange rate 追 at 加 the 額 date of death of the insured: 70 Exchange fluctuation rate: 100/100 X 100 = 100% X Exchange fluctuation rate: 10.5 million X 100% = 10.5 million Exchange fluctuation rate: 70/100 X 100 = 70% X Exchange fluctuation rate: 10.5 million X 70% = 7.35 million * bove structure is an image concept under the assumption when the exchange fluctuation rate stayed flat through the period. lso, it does not reflect the case of the reduction of basic. T&D Financial Life does not guarantee the future of death benefit, the bonus or others. 3
4 2. Features nnual bonus for a lifetime - is added to the every year over the lifetime of the insured. - The of bonus is calculated as follows: = basic (as of the day before the anniversary date) x bonus rate x exchange fluctuation rate is added to the accumulated bonus on the anniversary date. - rate is applied at the time of the contract and fixed throughout the lifetime. rate is given based on the reference rate level of the linked currency as of the time of the contract. -The accumulated bonus grows according to the T&D Financial s predefined rate. The accumulated bonus can be withdrawn in full anytime throughout the lifetime. (pplication procedures are required for each withdrawal.) ccumulation and growth for a lifetime - The accumulated (which is single premium less initial cost at the time of the contract) grows according to the accumulation rate throughout the lifetime of the insured. Please note that the death benefit will not equal to the accumulated since the exchange fluctuation rate is reflected in its calculation. - The accumulation rate is applied at the time of the contract and fixed throughout the lifetime. The accumulation rate is given based on the reference rate level of the linked currency as of the time of the contract. (Note) The linked currency can not be changed after the contract. Linked currency ustralian dollar US dollar Reference rate 10-year ustralian dollar 20-year US dollar Foreign exchange rate TTM posted by T&D Financial Life s predefined financial institution. Death benefit for a lifetime -Death benefit will be paid in the event of the death of the insured. -The of the death benefit is calculated as follows: The largest of (i), (ii) or (iii) x exchange fluctuation rate + accumulated bonus. (i) basic (or single premium), (ii)accumulated, (iii) basic surrender -By adding the foreign currency payment rider, death benefit could be received in foreign currency (ustralian dollar, US dollar or Euro). (Note)Please be aware that due to foreign exchange fluctuation, the of the death benefit may result less than the single premium. The insurance premium payment and death benefit payment for this product are made in Yen. However, please be aware that this product has foreign currency risks since exchange fluctuation rate are applied in the calculation of death benefit, etc. 4
5 3. Policy Eligibility ge of the insured 50 to 75 next birthday Basic (Single premium ) 3 million yen to 500 million yen Premium mode Single premium only Policy period Whole life Linked currency ustralian dollar US dollar Reference rate 10-year ustralian dollar 20-year US dollar Foreign exchange rate TTM posted by T&D Financial Life s predefined financial institution Exchange fluctuation rate Exchange rate at the given date* Exchange rate at the contract date *mounts using exchange fluctuation rate in its calculation and the corresponding given date are as follows: Death benefit Surrender x 100 Given date Date of death The day before the anniversary date Date of surrender or reduction ccumulated bonus Death benefit rate Surrender value Optional riders Cooling-off system Basic (as of the day before the anniversary date) x bonus rate x exchange fluctuation rate Total of bonus accumulated on anniversary date and calculated according to the T&D Financial Life s predefined rate and lapse period The largest of (i), (ii) or (iii) x exchange fluctuation rate + accumulated bonus (i) basic, (ii)accumulated, (iii) basic surrender ccording to its reference rate level, either of the following bonus rates is provided for each currency ustralian dollar US dollar 3.0% 2.0% 1.0% 0.5% 1.0% 0/5% Basic surrender x exchange fluctuation rate + accumulated bonus Foreign currency payment rider Survivors annuity payment rider (Note)Riders cannot be duplicated. The cooling-off system, which allows consumers to terminate a specific contract or revoke an offer unconditionally for a certain period following the effective date, has been applied to this product 5
6 4. Costs Policyholder s expense including initial cost and maintenance cost are the total of the following. Costs t the time of the contract Initial cost Single premium x 5.0% The accumulation rate is given by deducting the following costs in During the period Maintenance cost advance: maintenance costs, cost relating to death benefit, cost relating to accumulated bonus. Thus there is no additional cost to be incurred When receiving death benefit in foreign currency with the foreign currency payment rider When receiving annuity payment with the survivors annuity payment rider Costs relating to foreign currency payments Cost for managing annuity payment during the period. When receiving death benefit in foreign currency, costs such as withdrawal fee and remittance charge may be charged. These costs may differ by financial institution. mount of annuity payment x 1.0% (The above cost is deducted on every annuity payment date except for the final annuity payment year) (Note): Current cost may change in the future. 6
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