SMART INVESTMENT

Now YOU can make the right investment move

Smart Investment - The Plan Recurring Single Premium -

Investment Linked Plan

Start with as little as S$4000 single premium

Regular investments from S$1200 per year - All modes available

Cash, with immediate effect

CPF-OA, CPF-SA, SRS to be announced

Smart Investment - How it works

>=S$4,000

Initial Single

Premium

Top Up

Anytime

>$500

>age 21 MaturityAge: 99

Up to Age 70

RSP RSP RSP

>=$1200 per annum

CPF Maturity at age 62

Smart Investment - The Underlying Fund

100% investment of capital

Daily valuation

Bid offer 5%

1.1% Investment charge per annum

0.9% per annum admin fee

60%

40%

Global

Equities

Global

Bonds

Smart Investment - The Insurance Plan

Death Benefit at no cost to investor Standard Risk,

Death Benefit = Max (Fund Value, SA)

SA = 125%(Single premium + top ups + RSPs - withdrawals)

Substandard Risk, Death Benefit = Max [Fund Value, (1 - lien) SA]

Smart Investment - Underwriting Issues

Underwriting based on single premium non med limits

NML based on SP + annualised RSP X 10e.g. $100,000 + $200x12x10 = $124,000

Also subject to underwriting are:Each top upThe first RSP included increase in RSP.

Smart Investment - Underwriting Issues

Financial Q for >=S$1m or >=$20K cash Usual foreign risk underwriting rules Lien imposed on substandard lives:

EM 201% - 300% --> 12%EM > 300% ---> decline

Smart Investment - RSP payments

Option to include RSP with new business or later

Indication of RSP on appln form means ONE modal payment of RSP has to be made together with single premium

RSP can be suspended at assured’s request or if no fund. Resume any time . No underwriting UNLESS RSP amount is increased

To include RSP later, subj to underwriting

RSPs are considered new business premiums regardless of which policy year we receive them

Smart Investment - Freelook

Freelook - market adjustment Pay fund value at bid price + 5% spread

less medical fees incurred Note:

All policies will be mailed

Listings to distributors to follow up Freelook begins 7 days from date of mail out

Smart Investment - Redemptions

Partial - minimum S$1,000 subject to balance of S$4000

Units are redeemed at bid price No exit charge

Smart Investment - Promotion

First 350 applicants whose investment approved and paid by 31 December 2001 gets $30 Robinson gift vouchers (one voucher per assured)