WEALTH ASSURE

SALES ILLUSTRATION OF BENEFITS - EQUITY FUND

The values below are based on assumed investment return rates of 4%, 8%, and 10% representing low, medium, and high investment returns from the
fund, respectively.  However, these rates are for illustration purposes only and are not indicative of the actual rate that may occur.  Illustrative benefits
using these rates can only give us an idea as to the range of possible returns that may be achieved by the fund.   Furthermore, the performance of the fund
is not guaranteed and that the fund value may be less than the amount invested. In case of insufficient funds, we may advise you to make a top-up, or
resume premium payments in case of a premium holiday option, to ensure your continuous coverage under this policy.

The amounts to be invested per year are made up of the premium allocation less insurance charges shown below. Unallocated premiums will be used to
cover acquisition and administrative expenses. Furthermore, charges will be deducted proportionately based on fund balances.

1. Values reflected in this page are based on the mode of payment chosen and assumes that all modal premiums are paid in full when due and as
planned.
2. Initial acquisition and administration charges amount to PhP60,000.00.  All top-ups are subject to an initial charge of 6% of the top-up premium. 
Top-ups made, if any, will automatically increase the minimum death benefit by 125% of the top-up premium.  If sum insured falls below the
minimum death benefit, we will automatically increase the sum insured to be equal to the minimum death benefit.
3. Top-up made on the first policy year is assumed to take place one month after issuance to give way to the cooling off period. Top-ups in the
succeeding years are assumed to be made together with the payment of the regular annual premium.
4. Initial insurance charge of PhP400.00 will be deducted monthly from the fund for the first year. Insurance charges for the succeeding years shall
depend on the attained age. Future increases in sum insured will also be subject to an insurance charge based on the insured's attained age at the
time of such increases.
5. The investment return rates are net of the 2.00% annual investment management charge, fund accounting charge, taxes and other fees.
6. Rider charges of Php 0.00 will be deducted monthly from the fund for the first year. Rider charges for the succeeding years shall depend on the
attained age.
7. Insurance and rider charges are not guaranteed but are subject to maximum rates. They are based on an applicant rated as standard. For
substandard applicants, the charges will be different.
8. Withdrawals, if any, are assumed to be made at the end of the policy year. Withdrawals will automatically decrease the minimum death benefit by
125% of the withdrawal amount. A minimum maintaining balance of P20,000 should be kept in the fund for the policy to remain active and in-
force.
9. Changes in the timing of top-ups and withdrawals will have an effect on the fund balance and death benefit.
10. Top-ups and/or increase in regular premium may result to an increase in sum insured. All increases in sum insured are subject to underwriting
approval.
11. A loyalty bonus is added into the fund beginning policy year 11 and every year thereafter provided that all regular premiums in the prior ten years
are paid and that no withdrawals from the fund are made. The rate and basis of the loyalty bonus will be declared at the beginning of every
calendar year.

ILLUSTRATIVE BENEFITS
Policy Year Attained Age TOTAL PREMIUMS PAID Full Withdrawal Value Death Benefit
Low Medium High Low Medium High
1 29 100,000.00 36,696.62 38,194.45 38,943.79 4,036,696.62 4,038,194.45 4,038,943.79
2 30 100,000.00 90,461.11 95,644.45 98,281.95 4,090,461.11 4,095,644.45 4,098,281.95
3 31 100,000.00 167,176.18 179,290.45 185,553.93 4,167,176.18 4,179,290.45 4,185,553.93
4 32 100,000.00 263,050.19 286,328.68 298,558.73 4,263,050.19 4,286,328.68 4,298,558.73
5 33 100,000.00 362,759.16 401,929.98 422,864.01 4,362,759.16 4,401,929.98 4,422,864.01
6 34 100,000.00 476,366.14 537,078.82 570,094.20 4,476,366.14 4,537,078.82 4,570,094.20
7 35 100,000.00 594,517.41 683,039.57 732,047.40 4,594,517.41 4,683,039.57 4,732,047.40
8 36 100,000.00 717,394.73 840,677.19 910,195.93 4,717,394.73 4,840,677.19 4,910,195.93
9 37 100,000.00 844,696.81 1,010,425.25 1,105,653.68 4,844,696.81 5,010,425.25 5,105,653.68
10 38 100,000.00 977,090.97 1,193,753.16 1,320,657.21 4,977,090.97 5,193,753.16 5,320,657.21
11 39 - 1,015,371.43 1,289,693.02 1,453,919.09 5,015,371.43 5,289,693.02 5,453,919.09
12 40 - 1,049,611.89 1,386,361.24 1,592,737.92 5,049,611.89 5,386,361.24 5,592,737.92
13 41 - 1,084,731.64 1,490,262.36 1,744,933.01 5,084,731.64 5,490,262.36 5,744,933.01
14 42 - 1,120,765.84 1,601,975.02 1,911,841.99 5,120,765.84 5,601,975.02 5,911,841.99
15 43 - 1,157,751.07 1,722,124.13 2,094,936.25 5,157,751.07 5,722,124.13 6,094,936.25
16 44 - 1,195,235.04 1,850,884.06 2,295,328.69 5,195,235.04 5,850,884.06 6,295,328.69
17 45 - 1,233,237.68 1,988,943.68 2,514,749.13 5,233,237.68 5,988,943.68 6,514,749.13
18 46 - 1,271,779.76 2,137,046.95 2,755,100.37 5,271,779.76 6,137,046.95 6,755,100.37
19 47 - 1,310,882.85 2,295,997.38 3,018,475.49 5,310,882.85 6,295,997.38 7,018,475.49
20 48 - 1,350,569.38 2,466,662.72 3,307,176.88 5,350,569.38 6,466,662.72 7,307,176.88
                 
27 55 - 1,642,963.00 4,074,514.74 6,281,528.21 5,642,963.00 8,074,514.74 10,281,528.21
32 60 - 1,832,318.04 5,803,917.64 9,924,896.88 5,832,318.04 9,803,917.64 13,924,896.88
37 65 - 1,957,563.60 8,229,886.28 15,672,179.84 5,957,563.60 12,229,886.28 19,672,179.84
42 70 - 1,938,452.84 11,605,458.04 24,729,922.03 5,938,452.84 15,605,458.04 28,729,922.03
52 80 - 889,846.05 22,690,588.85 61,553,748.96 4,889,846.05 26,690,588.85 65,553,748.96
This sales illustration shall form part of the insurance contract once the Policy is issued. For more information on what constitutes the entire insurance
contract, please refer to your Policy.

The information contained in this sales illustration may change as deemed necessary by the Insurance Commission.

Presented By: KIRSTEN NOREEN OSEA TAN Agent Code: 0000077120

Date: 15 Jan 2020 11:30AM Agent's Signature:  

I-Quote version 1.43