Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

Commencement Date: 10/02/2019 HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Insured Lives Name Date Of Birth Age (Last Birthday) Gender Smoker
Life Assured baby 1/11/2018 0 Male No

Policy Owner mom 1/1/1986 33 Female No

Basic Plan/ Rider Insured Life Coverage Type Sum Assured/ Coverage Premium Monthly Occupation Occupation Health Loading Health Loading
Benefit Period Payment Premium Payable Class Loading (per RM1k SA) (%)
(RM) (Years) Period (Years) (RM) (per RM1k SA) (RM)
(RM)
[1]
HLA Complete Link 1st Life Assured Increasing Cover 100,000.00 100 100 180.00 Class 2 STD - -

Regular Top Up (Desired) 1st Life Assured - - - 100 20.00 Class 2 - - -

Hospital Daily Income Rider 1st Life Assured 2 80 - 0.00 Class 2 - - -

Units
Junior CI Care Rider (Level Sum Assured) 1st Life Assured Level Sum 50,000.00 100 - 0.00 Class 2 - - -
Assured

HLA MediShield II Rider (1st Rider) 1st Life Assured MSII 200 100 - 0.00 Class 2 - - -
- Million Extra II Pre-Retirement
- Million Extra Booster Deductible : (RM
- Outpatient Treatment Dengue Fever & 0)
Zika Virus Post-Retirement
Deductible : (RM
0)
Living Care Waiver of Premium Rider Policy Owner 200.00 67 - 0.00 Class 1 STD - -
(100%) (Monthly)

Total (Monthly) (RM) 200.00

Others

Monthly Policy Fee RM5.00

- deducted from policy's Account Value

Complimentary Basic Sum Assured of RM 25,000.00 is payable upon Death/TPD/OAD, whichever occurs first. No additional insurance charges will be incurred for this complimentary benefit and it is applicable throughout the coverage period of
1st Life Assured. Please refer to Notes section for detail.

[1] Based on the longest coverage term of Basic Plan or Riders.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 1 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

Fund Allocation
Your allocated premium will be invested in the following funds:

Date Range HLA Value HLA Venture HLA Venture HLA Venture HLA Venture HLA Dana HLA Venture HLA Secure HLA Venture HLA Cash
Fund (%) Flexi Fund Growth Fund Blue Chip Dana Putra Suria (%) Managed Fund (%) Income Fund Fund (%)
(%) (%) Fund (%) (%) Fund (%) (%)

Commencement Date to Policy Maturity Date 50.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00

Fund(s) HLA Value HLA Venture HLA Venture HLA Venture HLA Venture HLA Dana HLA Venture HLA Secure HLA Venture HLA Cash
[2] [3] [3] [3] [3] [2] [3] [2] [2] [2]
Fund Flexi Fund Growth Fund Blue Chip Fund Dana Putra Suria Managed Fund Fund Income Fund Fund

Fund Management Fee 1.45% p.a. 1.45% p.a. 1.45% p.a. 1.48% p.a. 1.40% p.a. 1.30% p.a. 1.23% p.a. 1.00% p.a. 0.50% p.a. 0.25% p.a.
(as at 1 Jan 2018)

[2] The Company reserves the right to change the Fund Management Fees by giving Policy Owner ninety (90) days prior written notice.
[3] The Fund Management Fee will be reviewed monthly and will be revised if the previous month end actual asset allocation deviates by more than ten percent (10%) of the initial asset allocation.

The Fund Management Fee for each of the fund shall be capped as follows:

Name of Fund Fund Management Fee (%p.a)

HLA Venture Flexi Fund 1.48

HLA Venture Growth Fund 1.50

HLA Venture Blue Chip Fund 1.50
HLA Venture Dana Putra 1.40

HLA Venture Managed Fund 1.25

The Company reserves the right to change the maximum Fund Management Fee as stated above.

Plough Back Mechanism (only applicable to HLA Value Fund)

In the event that the net fund performance is below 5% per annum based on the performance assessment on the last business day of September of each year, an amount equivalent to 0.5% per annum of the fund’s Net Asset Value
(NAV) will be ploughed back to the fund in four equal weekly payments. The first payment will be due on the first business day of October of each year.

Charges:

Monthly Policy Fee: RM5 per month

Monthly Insurance Charge: A monthly insurance charge is deducted from your account value on monthly basis.

Fund Switching Fee: Nil.

(Please refer to Note for the description of the charges)

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 2 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

Option for Regular Top Up:

Commencing from (Policy Year) to (Policy Year) Amount (RM)

Policy Year 1 to 100 240.00

Notes:
If you wish to activate the Regular Top Up Option after policy issuance, you are required to complete the "Unit-Linked Regular Top Up Option Application Form".

Option for Regular Withdrawal:

Starting from (Policy Year) to (Policy Year)

-

Interval (Years) -

Amount (RM) -

Notes:
All withdrawals are assumed to be made at the end of the policy year.
Each withdrawal must be a minimum of RM100. The minimum fund balance after withdrawal is RM500, subject to review by the company from time to time.

Summary of Total Premium Payable

[4]
Policy Year Attained Age Annual Total Premium Payable (RM)
1 - 100 0 - 99 2,400.00
[4] Life Assured's Age at the beginning of policy year.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 3 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan and Rider

Policy Life Assured's Age Basic Sum Total Cumulative Unallocated Allocated Cumulative Not Guaranteed Direct
Year At The End Of Assured Premium Paid per Premium Premium Premium Allocated Premium Insurance Charges Other Charges Distribution Cost
Year Policy Year (RM)
(RM) (RM)
(RM) (RM) (RM) (RM) (RM) (RM) Basic Cover Rider(s)
Scenario Y Scenario X
1 1 20,000 2,400 2,400 1,308 1,092 1,092 110 110 853 60 873
2 2 40,000 2,400 4,800 1,308 1,092 2,184 110 110 789 60 873
3 3 60,000 2,400 7,200 552 1,848 4,032 110 110 1,507 60 549
4 4 80,000 2,400 9,600 552 1,848 5,880 110 110 1,435 60 549
5 5 100,000 2,400 12,000 336 2,064 7,944 110 110 1,345 60 333
6 6 100,000 2,400 14,400 336 2,064 10,008 110 110 1,256 60 333
7 7 100,000 2,400 16,800 12 2,388 12,396 110 110 1,171 60 9
8 8 100,000 2,400 19,200 12 2,388 14,784 110 110 1,116 60 9
9 9 100,000 2,400 21,600 12 2,388 17,172 110 110 1,076 60 9
10 10 100,000 2,400 24,000 12 2,388 19,560 110 110 1,042 60 9
11 11 100,000 2,400 26,400 12 2,388 21,948 110 110 1,042 60 9
12 12 100,000 2,400 28,800 12 2,388 24,336 105 105 1,066 60 9
13 13 100,000 2,400 31,200 12 2,388 26,724 98 98 1,091 60 9
14 14 100,000 2,400 33,600 12 2,388 29,112 94 94 1,119 60 9
15 15 100,000 2,400 36,000 12 2,388 31,500 93 93 1,144 60 9
16 16 100,000 2,400 38,400 12 2,388 33,888 95 95 1,166 60 9
17 17 100,000 2,400 40,800 12 2,388 36,276 99 99 1,162 60 9
18 18 100,000 2,400 43,200 12 2,388 38,664 85 85 1,159 60 9
19 19 100,000 2,400 45,600 12 2,388 41,052 93 93 1,182 60 9
20 20 100,000 2,400 48,000 12 2,388 43,440 103 103 1,219 60 9
25 25 100,000 2,400 60,000 12 2,388 55,380 118 118 1,313 60 9
30 30 100,000 2,400 72,000 12 2,388 67,320 87 87 1,398 60 9
35 35 100,000 2,400 84,000 12 2,388 79,260 91 91 1,684 60 9
40 40 100,000 2,400 96,000 12 2,388 91,200 132 132 2,107 60 9
45 45 100,000 2,400 108,000 12 2,388 103,140 228 228 2,854 60 9
50 50 100,000 2,400 120,000 12 2,388 115,080 395 395 3,711 60 9
55 55 100,000 2,400 132,000 12 2,388 127,020 659 659 4,914 60 9
60 60 100,000 2,400 144,000 12 2,388 138,960 978 - 6,339 60 9
65 65 100,000 2,400 156,000 12 2,388 150,900 1,511 - 7,565 60 9
70 70 100,000 2,400 168,000 12 2,388 162,840 2,452 - 8,680 60 9
75 75 100,000 2,400 180,000 12 2,388 174,780 3,922 - 11,853 60 9
80 80 100,000 2,400 192,000 12 2,388 186,720 6,156 - 16,313 60 9
85 85 - - - - - - - - - - -
90 90 - - - - - - - - - - -
95 95 - - - - - - - - - - -

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 4 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

100 100 - - - - - - - - - - -

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.

WARNING : YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED ACCOUNT VALUE IS NOT ENOUGH TO
PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR
PREMIUM OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.

You should ask the agent/broker/financial adviser to explain to you about the insurance charges and its effect on your future insurance coverage.

Notes:
Unallocated Premium - This represents a charge to your premium and is used to meet the direct distribution cost and company’s expenses.
Direct Distribution Cost - cost directly attributable to the distribution channel for the sale of this policy, i.e. payments to agent/broker/financial adviser. This cost is paid from the charges that are imposed on your policy for services that the
agent/broker/financial adviser will provide to you for the duration of your policy.

Monthly insurance charges will be higher than the monthly allocated premium at Life Assured’s age 45 (last birthday).

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 5 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan and Rider

Policy Life Assured's Guaranteed - End of Year Total Benefit Not Guaranteed - End of Year Total Benefit Not Guaranteed
Year Age At The [5] [6] [7] [8] [5] [8] [6] [8]
Death Benefit TPD OAD Surrender Value Death Benefit TPD Benefit OAD Benefit Fund Management Fee
End Of Year
Benefit Benefit (RM) (RM) (RM) (RM)
(RM)
(RM) (RM) (RM)
Scenario Y Scenario X Scenario Y Scenario X Scenario Y Scenario X Scenario Y Scenario X Scenario Y Scenario X
1 1 20,000 20,000 0 71 69 20,071 20,069 20,071 20,069 0 0 9 9
2 2 40,000 40,000 0 214 202 40,214 40,202 40,214 40,202 0 0 10 10
3 3 60,000 60,000 0 405 374 60,405 60,374 60,405 60,374 0 0 18 18
4 4 80,000 80,000 0 684 618 80,684 80,618 80,684 80,618 0 0 21 20
5 5 100,000 100,000 0 1,300 1,170 101,300 101,170 101,300 101,170 0 0 26 25
6 6 100,000 100,000 0 2,049 1,814 102,049 101,814 102,049 101,814 0 0 35 33
7 7 100,000 100,000 0 3,275 2,870 103,275 102,870 103,275 102,870 0 0 49 45
8 8 100,000 100,000 0 4,643 3,987 104,643 103,987 104,643 103,987 0 0 67 61
9 9 100,000 100,000 0 6,148 5,151 106,148 105,151 106,148 105,151 0 0 87 77
10 10 100,000 100,000 0 7,803 6,357 107,803 106,357 107,803 106,357 0 0 109 94
11 11 100,000 100,000 0 9,571 7,573 109,571 107,573 109,571 107,573 0 0 133 112
12 12 100,000 100,000 0 11,451 8,776 111,451 108,776 111,451 108,776 0 0 159 130
13 13 100,000 100,000 0 13,436 9,968 113,436 109,968 113,436 109,968 0 0 187 147
14 14 100,000 100,000 0 15,536 11,142 115,536 111,142 115,536 111,142 0 0 216 165
15 15 100,000 100,000 0 17,758 12,299 117,758 112,299 117,758 112,299 0 0 247 182
16 16 100,000 100,000 0 20,112 13,439 120,112 113,439 120,112 113,439 0 0 279 199
17 17 100,000 100,000 0 22,638 14,585 122,638 114,585 122,638 114,585 0 0 314 216
18 18 100,000 100,000 0 25,353 15,756 125,353 115,756 125,353 115,756 0 0 351 233
19 19 100,000 100,000 0 28,227 16,901 128,227 116,901 128,227 116,901 0 0 390 250
20 20 100,000 100,000 0 31,262 18,007 131,262 118,007 131,262 118,007 0 0 432 267
25 25 100,000 100,000 0 43,706 23,250 143,706 123,250 143,706 123,250 0 0 620 344
30 30 100,000 100,000 0 58,675 28,314 158,675 128,314 158,675 128,314 0 0 831 419
35 35 100,000 100,000 0 76,100 32,581 176,100 132,581 176,100 132,581 0 0 1,080 485
40 40 100,000 100,000 0 95,526 35,098 195,526 135,098 195,526 135,098 0 0 1,360 529
45 45 100,000 100,000 0 115,492 34,047 215,492 134,047 215,492 134,047 0 0 1,652 526
50 50 100,000 100,000 0 134,987 28,300 234,987 128,300 234,987 128,300 0 0 1,941 457
55 55 100,000 100,000 0 151,862 15,843 251,862 115,843 251,862 115,843 0 0 2,199 297
60 60 100,000 100,000 0 163,323 - 263,323 - 263,323 - 0 - 2,385 -
65 65 100,000 0 100,000 167,362 - 267,362 - 0 - 267,362 - 2,467 -
70 70 100,000 0 100,000 163,002 - 263,002 - 0 - 263,002 - 2,436 -
75 75 100,000 0 100,000 137,796 - 237,796 - 0 - 237,796 - 2,148 -
80 80 100,000 0 100,000 73,900 - 173,900 - 0 - 173,900 - 1,346 -
85 85 - - - - - - - - - - - - -
90 90 - - - - - - - - - - - - -
95 95 - - - - - - - - - - - - -
100 100 - - - - - - - - - - - - -

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 6 of 7 Ref:SI20190210-0001
Printed On: 10/02/2019 1:07:51 pm Code : A0070851 Prepared By : HOO PAN YEN

"-" Based on projection, your policy will lapse. You may choose to increase your premium or reduce the level of insurance protection, if you want to maintain your policy.

Notes:
TPD refers to Total & Permanent Disability prior to attaining the age 65 and OAD refers to Old Age Disablement after attaining age 65. These definitions apply consistently across all marketing collaterals.
Death, TPD or OAD Benefit - The amount shown is not inclusive of the Complimentary Basic Sum Assured.
[5] Total TPD Benefits per Life payable under all policies insuring the Life Assured shall not exceed the TPD Benefit Limit per Life stated in the policy. The Total TPD Benefit per Life refers to TPD coverage of all in force policies for each Life
Assured at the point of claim event after applications of Provision for Juvenile.
[6] Total OAD Benefits per Life payable under all policies insuring the Life Assured shall not exceed the OAD Benefit Limit per Life stated in the policy. The Total OAD Benefit per Life refers to OAD coverage of all in force policies for each Life
Assured at the point of claim event.
[7] Inclusive of Bonus Unit. Please refer to Notes section for detail.
[8] Based on projection, this is the amount that will be payable in the event of Death, TPD or OAD of the Life Assured which is inclusive of the Guaranteed Death, TPD or OAD Benefit of Basic Plan.

Please note that this is only a simplified summary for internal use by staff/agent only, and is NOT FOR CIRCULATION.
Win MP (UL UDR) Version 3.4.1 (Agency) Last Updated 23 Jan 2019 - E&OE-

Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor. Tel: 03-7650 1818 Fax: 03-7650 1991 Website: www.hla.com.my Page 7 of 7 Ref:SI20190210-0001