Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

Commencement Date: 01/11/2018 HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Insured Lives Name Date Of Birth Age (Last Birthday) Gender Smoker
Life Assured female 16/11/1962 55 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 45 45 270.00 Class 1 STD - -

Accelerated Critical Illness Rider 1st Life Assured 80,000.00 45 - 0.00 Class 1 - - -

Total (Monthly) (RM) 270.00

Others

Monthly Policy Fee RM5.00

- deducted from policy's Account Value

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

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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

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)

Option for Regular Top Up:

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

- -

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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

Summary of Total Premium Payable

[4]
Policy Year Attained Age Annual Total Premium Payable (RM)
1 - 45 55 - 99 3,240.00
[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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

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 56 100,000 3,240 3,240 1,944 1,296 1,296 540 540 468 60 1,296
2 57 100,000 3,240 6,480 1,944 1,296 2,592 598 598 492 60 1,296
3 58 100,000 3,240 9,720 810 2,430 5,022 659 659 516 60 810
4 59 100,000 3,240 12,960 810 2,430 7,452 724 724 576 60 810
5 60 100,000 3,240 16,200 486 2,754 10,206 789 789 616 60 486
6 61 100,000 3,240 19,440 486 2,754 12,960 852 852 660 60 486
7 62 100,000 3,240 22,680 0 3,240 16,200 913 913 702 60 0
8 63 100,000 3,240 25,920 0 3,240 19,440 978 978 756 60 0
9 64 100,000 3,240 29,160 0 3,240 22,680 1,056 1,056 824 60 0
10 65 100,000 3,240 32,400 0 3,240 25,920 1,133 1,133 880 60 0
11 66 100,000 3,240 35,640 0 3,240 29,160 1,244 1,244 944 60 0
12 67 100,000 3,240 38,880 0 3,240 32,400 1,370 1,370 1,008 60 0
13 68 100,000 3,240 42,120 0 3,240 35,640 1,511 1,511 1,072 60 0
14 69 100,000 3,240 45,360 0 3,240 38,880 1,668 1,668 1,136 60 0
15 70 100,000 3,240 48,600 0 3,240 42,120 1,841 1,841 1,200 60 0
16 71 100,000 3,240 51,840 0 3,240 45,360 2,029 2,029 1,264 60 0
17 72 100,000 3,240 55,080 0 3,240 48,600 2,232 2,232 1,328 60 0
18 73 100,000 3,240 58,320 0 3,240 51,840 2,452 2,452 1,392 60 0
19 74 100,000 3,240 61,560 0 3,240 55,080 2,696 2,696 1,400 60 0
20 75 100,000 3,240 64,800 0 3,240 58,320 2,967 2,967 1,448 60 0
25 80 100,000 3,240 81,000 0 3,240 74,520 4,711 - 1,636 60 0
30 85 - - - - - - - - - - -
35 90 - - - - - - - - - - -
40 95 - - - - - - - - - - -
45 100 - - - - - - - - - - -

"-" 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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

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 56 100,000 100,000 0 237 229 100,237 100,229 100,237 100,229 0 0 10 10
2 57 100,000 100,000 0 404 376 100,404 100,376 100,404 100,376 0 0 14 14
3 58 100,000 100,000 0 1,670 1,575 101,670 101,575 101,670 101,575 0 0 25 25
4 59 100,000 100,000 0 2,893 2,653 102,893 102,653 102,893 102,653 0 0 44 42
5 60 100,000 100,000 0 4,426 3,954 104,426 103,954 104,426 103,954 0 0 64 61
6 61 100,000 100,000 0 5,953 5,154 105,953 105,154 105,953 105,154 0 0 87 80
7 62 100,000 100,000 0 7,984 6,743 107,984 106,743 107,984 106,743 0 0 113 101
8 63 100,000 100,000 0 10,034 8,223 110,034 108,223 110,034 108,223 0 0 143 124
9 64 100,000 100,000 0 12,078 9,566 112,078 109,566 112,078 109,566 0 0 173 146
10 65 100,000 0 100,000 14,143 10,788 114,143 110,788 0 0 114,143 110,788 203 166
11 66 100,000 0 100,000 16,165 11,844 116,165 111,844 0 0 116,165 111,844 233 184
12 67 100,000 0 100,000 18,133 12,716 118,133 112,716 0 0 118,133 112,716 262 199
13 68 100,000 0 100,000 20,042 13,388 120,042 113,388 0 0 120,042 113,388 291 212
14 69 100,000 0 100,000 21,840 13,842 121,840 113,842 0 0 121,840 113,842 319 222
15 70 100,000 0 100,000 23,519 14,061 123,519 114,061 0 0 123,519 114,061 346 228
16 71 100,000 0 100,000 25,055 14,028 125,055 114,028 0 0 125,055 114,028 370 232
17 72 100,000 0 100,000 26,422 13,728 126,422 113,728 0 0 126,422 113,728 393 231
18 73 100,000 0 100,000 27,613 13,143 127,613 113,143 0 0 127,613 113,143 413 227
19 74 100,000 0 100,000 28,604 12,301 128,604 112,301 0 0 128,604 112,301 430 218
20 75 100,000 0 100,000 29,360 11,136 129,360 111,136 0 0 129,360 111,136 445 206
25 80 100,000 0 100,000 23,379 - 123,379 - 0 - 123,379 - 400 -
30 85 - - - - - - - - - - - - -
35 90 - - - - - - - - - - - - -
40 95 - - - - - - - - - - - - -
45 100 - - - - - - - - - - - - -

"-" 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.

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.
[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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan

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) Basic Cover Rider(s) (RM) (RM)

Scenario Y Scenario X
1 56 100,000 3,240 3,240 1,944 1,296 1,296 540 540 0 60 1,296
2 57 100,000 3,240 6,480 1,944 1,296 2,592 598 598 0 60 1,296
3 58 100,000 3,240 9,720 810 2,430 5,022 659 659 0 60 810
4 59 100,000 3,240 12,960 810 2,430 7,452 724 724 0 60 810
5 60 100,000 3,240 16,200 486 2,754 10,206 789 789 0 60 486
6 61 100,000 3,240 19,440 486 2,754 12,960 852 852 0 60 486
7 62 100,000 3,240 22,680 0 3,240 16,200 913 913 0 60 0
8 63 100,000 3,240 25,920 0 3,240 19,440 978 978 0 60 0
9 64 100,000 3,240 29,160 0 3,240 22,680 1,056 1,056 0 60 0
10 65 100,000 3,240 32,400 0 3,240 25,920 1,133 1,133 0 60 0
11 66 100,000 3,240 35,640 0 3,240 29,160 1,244 1,244 0 60 0
12 67 100,000 3,240 38,880 0 3,240 32,400 1,370 1,370 0 60 0
13 68 100,000 3,240 42,120 0 3,240 35,640 1,511 1,511 0 60 0
14 69 100,000 3,240 45,360 0 3,240 38,880 1,668 1,668 0 60 0
15 70 100,000 3,240 48,600 0 3,240 42,120 1,841 1,841 0 60 0
16 71 100,000 3,240 51,840 0 3,240 45,360 2,029 2,029 0 60 0
17 72 100,000 3,240 55,080 0 3,240 48,600 2,232 2,232 0 60 0
18 73 100,000 3,240 58,320 0 3,240 51,840 2,452 2,452 0 60 0
19 74 100,000 3,240 61,560 0 3,240 55,080 2,696 2,696 0 60 0
20 75 100,000 3,240 64,800 0 3,240 58,320 2,967 2,967 0 60 0
25 80 100,000 3,240 81,000 0 3,240 74,520 4,711 4,711 0 60 0
30 85 100,000 3,240 97,200 0 3,240 90,720 7,128 7,128 0 60 0
35 90 100,000 3,240 113,400 0 3,240 106,920 10,690 - 0 60 0
40 95 100,000 3,240 129,600 0 3,240 123,120 15,289 - 0 60 0
45 100 - - - - - - - - - - -

"-" 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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

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.

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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 8 of 9 Ref:SI20181101-0001
Printed On: 01/11/2018 1:23:43 pm Code : A0068603 Prepared By : NG ZHI YUN

HLA Complete Link

Regular Premium Investment-Linked Plan with Increasing Cover

Illustration of Basic Plan

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] [9] [5] [9] [6] [9]
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 56 100,000 100,000 0 722 698 100,722 100,698 100,722 100,698 0 0 10 10
2 57 100,000 100,000 0 1,433 1,340 101,433 101,340 101,433 101,340 0 0 21 20
3 58 100,000 100,000 0 3,303 3,059 103,303 103,059 103,303 103,059 0 0 40 39
4 59 100,000 100,000 0 5,235 4,720 105,235 104,720 105,235 104,720 0 0 68 64
5 60 100,000 100,000 0 7,566 6,646 107,566 106,646 107,566 106,646 0 0 98 91
6 61 100,000 100,000 0 9,991 8,517 109,991 108,517 109,991 108,517 0 0 133 119
7 62 100,000 100,000 0 13,026 10,824 113,026 110,824 113,026 110,824 0 0 172 150
8 63 100,000 100,000 0 16,207 13,080 116,207 113,080 116,207 113,080 0 0 216 184
9 64 100,000 100,000 0 19,534 15,273 119,534 115,273 119,534 115,273 0 0 263 217
10 65 100,000 0 100,000 23,028 17,407 123,028 117,407 0 0 123,028 117,407 312 249
11 66 100,000 0 100,000 26,653 19,446 126,653 119,446 0 0 126,653 119,446 363 281
12 67 100,000 0 100,000 30,402 21,372 130,402 121,372 0 0 130,402 121,372 416 311
13 68 100,000 0 100,000 34,278 23,168 134,278 123,168 0 0 134,278 123,168 471 339
14 69 100,000 0 100,000 38,255 24,817 138,255 124,817 0 0 138,255 124,817 528 365
15 70 100,000 0 100,000 42,332 26,302 142,332 126,302 0 0 142,332 126,302 586 389
16 71 100,000 0 100,000 46,500 27,606 146,500 127,606 0 0 146,500 127,606 646 411
17 72 100,000 0 100,000 50,751 28,715 150,751 128,715 0 0 150,751 128,715 707 430
18 73 100,000 0 100,000 55,086 29,610 155,086 129,610 0 0 155,086 129,610 769 446
19 74 100,000 0 100,000 59,460 30,266 159,460 130,266 0 0 159,460 130,266 833 459
20 75 100,000 0 100,000 63,878 30,655 163,878 130,655 0 0 163,878 130,655 897 469
25 80 100,000 0 100,000 74,565 27,645 174,565 127,645 0 0 174,565 127,645 1,095 451
30 85 100,000 0 100,000 75,554 13,381 175,554 113,381 0 0 175,554 113,381 1,144 278
35 90 100,000 0 100,000 60,036 - 160,036 - 0 - 160,036 - 977 -
40 95 100,000 0 100,000 17,669 - 117,669 - 0 - 117,669 - 448 -
45 100 - - - - - - - - - - - - -

"-" 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.
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.

[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.
[9] 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 3.1.1 (Agency) Last Updated 18 Oct 2018 - 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 9 of 9 Ref:SI20181101-0001