Femele 2

Printed On: 21/05/2020 3:38:05 pm Code : A0068603 Prepared By : NG ZHI YUN
Commencement Date: 21/05/2020 Product Illustration

HLA CompleteCover
READ Is investment-linked policy right for you? Are you aware of the costs, benefits and risks?
Name of insurer: Hong Leong Assurance Berhad Life Assured

Product name: HLA CompleteCover
Client's name : femele
Type of policy: Regular premium investment-linked insurance
Gender : Female
Ratio of fund(s) chosen: 100% in HLA Venture Blue Chip Fund
Smoker : No
Age (Last Birthday) : 26
Date Of Birth : 20/9/1993
Occupation Class : 2
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 4.6 (Agency) Last Updated 20 Apr 2020 - 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:SI20200521-0001
Do you know that … Have you been advised of … Have you been told …
It is flexible but you bear the investment risk? How your premiums will be used?
It is an insurance product that is tied to the performance of the investment fund(s) Premium paid (a)
which you selected
Premium paid Premium paid for non-unitised
excluding premium paid for Premium-paying rider
non-unitised Premium-paying (For details refer to Table 2(b):
Benefits rider Rider(s) (Optional))
• Flexibility to vary your premium amount or coverage if your financial needs change. Unallocated Premium allocated
• Choice of funds depending on the level of risk you are comfortable with. Premium into Unit Fund (b)
Used to purchase units in the

To pay:-
investment fund(s)
• Insurer’s own
Risks expenses
• Commission to Deduct fees & charges:

• You bear the investment risk entirely including poor returns. agent/broker/
• If your fund performs poorly or your insurer increases your charges - financial Insurance charges (c) – to The coverage you will receive
oYou may lose your insurance cover; or pay for your insurance cover
adviser (h)
oYour cash value may be adversely affected.
Basic sum assured (f)
• You may need to increase your premiums or reduce the level of insurance protection to
Other charges (d) e.g. policy
avoid losing your insurance cover.
fees Minimum amount
received on death
and
Fund management fee (e)
Rider benefits
(For details refer to Table
What you may receive 2(b): Rider(s) (Optional))
Other products that could better meet your needs?
Non-guaranteed cash value (g)
Amount received on surrender / Note: Upon death, the total of the
maturity Basic Sum Assured and Account
• Non-participating products: The benefits and coverage period are guaranteed as long as
Value is payable, and any optional
you pay premiums.
rider's death benefit.
• Participating products: In addition to receiving guaranteed benefits and having a
guaranteed coverage period, you can share in the profits (non-guaranteed) of the Fees and charges taken out of your investment fund(s) which reduce the amount available for
participating life fund. investment:-
• Surrender charge and partial withdrawal charge are not applicable.
• Fund switching fee and top-up charge are not applicable.
Table 1:HLA CompleteCover (For illustration purposes only. This may not be the benefits that you will receive)
• The numbers in the table below illustrate the possible movements of cash flows of the policy, including how fees and charges could impact cash values. In order to show the impact of different investment returns on the cash
flows, two rates of return have been chosen, 2.00% (Scenario X) and 5.00% (Scenario Y). The actual return rates may be higher or lower than the chosen rates, or even be negative.
• Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invested in.
Please see the attached fund fact sheet(s) for the past actual annual investment returns.
The amount You should only purchase the riders you At maturity or upon early cancellation,
you need to need as the cost of the riders will be you may receive this amount (amount is
pay borne by you. Riders are optional not guaranteed)
1
End of Premium Allocated Premium Insurance Charges Other Fund Management Fee Basic Sum Non-Guaranteed Non-Guaranteed Commission
1 3 4
Policy Paid (b) (RM) Charges (RM) Assured Cash Value Death Benefits (h)
Year (RM) (c) (RM) (e) (RM) (RM) (RM)
(a) (d) (f) (g)
RM % Basic All Unit- Scenario X Scenario Y Scenario X Scenario Y Scenario X Scenario Y RM %
Policy deducting
rider(s) 2
1 3,120 1,872 60.00 169 1,026 96 14 14 150,000 582 590 150,582 150,590 1,248 40.00
2 3,120 1,872 60.00 159 1,028 96 23 23 150,000 1,174 1,207 151,174 151,207 1,248 40.00
3 3,120 1,872 60.00 150 1,151 96 31 32 150,000 1,655 1,729 151,655 151,729 780 25.00
4 3,120 2,496 80.00 141 1,351 96 43 44 150,000 2,571 2,707 152,571 152,707 780 25.00
5 3,120 2,496 80.00 133 1,389 96 56 58 150,000 3,462 3,686 153,462 153,686 468 15.00
6 3,120 2,496 80.00 126 1,438 96 69 72 150,000 4,314 4,653 154,314 154,653 468 15.00
7 3,120 2,964 95.00 118 1,492 96 85 89 150,000 5,593 6,081 155,593 156,081 0 0.00
8 3,120 2,964 95.00 112 1,533 96 103 110 150,000 6,846 7,522 156,846 157,522 0 0.00
9 3,120 2,964 95.00 109 1,572 96 121 130 150,000 8,072 8,981 158,072 158,981 0 0.00
10 3,120 3,120 100.00 111 1,633 96 140 153 150,000 9,400 10,582 159,400 160,582 0 0.00
15 3,120 3,120 100.00 151 2,052 96 224 263 150,000 14,881 18,092 164,881 168,092 0 0.00
20 3,120 3,120 100.00 243 2,668 96 270 349 150,000 17,393 23,616 167,393 173,616 0 0.00
25 3,120 3,120 100.00 432 3,420 96 259 389 150,000 15,681 25,525 165,681 175,525 0 0.00
30 3,120 3,120 100.00 729 4,292 96 174 357 150,000 8,534 22,030 158,534 172,030 0 0.00
34 3,120 3,120 100.00 0 5,108 96 0 257 150,000 0 13,600 0 163,600 0 0.00
1
The illustrated insurance charges and other charges are not guaranteed and may be varied from time to time by giving 3 months notice to policy owners, for example, charges for medical riders may increase due to rising medical costs.
2
The individual insurance charges of the respective Unit-deducting rider(s) are tabulated in Table 3.
3
Inclusive of Account Value which is net of any surrender charge and guaranteed non-unitised cash value of any rider(s) attached.
4
The death benefit payable is total of the Basic Sum Assured and Account Value.
Where the non-guaranteed portion becomes zero/negative, it means that your unit fund is no longer able to pay for your insurance cover.
Table 2(a):Basic Plan
Basic Plan Coverage Type Premium Monthly Sum Assured Coverage Loading
Payment Period Premium Paid (RM) Period
(Years) (RM) (Years)
HLA CompleteCover Increasing Cover 34 260.00 150,000.00 34 -
Option for Regular Top Up:
Commencing from (Policy Year) to (Policy Year) Amount (RM)
- -
Table 2(b): Rider(s) (Optional)
1. A rider can provide additional protection or enhance existing benefits payable under your basic policy.
2. Riders can be in the form of:

(i) Unit-deducting, where the cost of the rider has been incorporated into the premiums for your basic policy. The rider is therefore funded by deducting charges from your unit fund; and
(ii) Premium-paying, where the cost of the rider has not been incorporated into the premiums for your basic policy. Separate premiums to fund the cost of the rider will be required.
Riders Rider Name Insured Life Type Premium Monthly Sum Assured/ Coverage Loading
Payment Premium Paid Benefit Period
Period (RM) (RM) (Years)
(Years)
Rider 1 CI Care Rider (Level Sum Assured) Life Assured Unit-deducting [Not [Not applicable] 150,000.00 34 -
rider applicable]
Rider 2 CI Multi-Pay Rider (Level Sum Assured) Life Assured Unit-deducting [Not [Not applicable] 50,000.00 34 -
rider applicable]
Rider 3 Critical Illness Waiver of Premium Rider Life Assured Unit-deducting [Not [Not applicable] 260.00 34 -
(100%) rider applicable] (Monthly)
Rider 4 Hospital Daily Income Rider Life Assured Unit-deducting [Not [Not applicable] 3 34 -
rider applicable] Units
Rider 5 HLA MediShield III Rider Life Assured Unit-deducting [Not [Not applicable] MSIII 200 34 -
- Million Extra III rider applicable] Pre-Retirement
Deductible : (RM 0)
Post-Retirement
Deductible : (RM 0)
Rider 6 Personal Accident Rider Life Assured Unit-deducting [Not [Not applicable] 100,000.00 34 -
rider applicable]
Rider 7 TPD Waiver of Premium Rider (100%) Life Assured Unit-deducting [Not [Not applicable] 260.00 34 -
rider applicable] (Monthly)
Summary of Premium Paid

Policy Year Premium Paid (a)
(RM)
1 - 34 3,120.00
Table 3: Insurance Charges of the Respective Unit-deducting Rider(s)
1
End Of Insurance Charges
Policy (RM)
Year (c)
Rider 1 Rider 2 Rider 3 Rider 4 Rider 5 Rider 6 Rider 7 - - -
1 145 40 26 77 685 51 3 - - -
2 145 43 25 77 685 51 3 - - -
3 145 70 28 139 685 78 6 - - -
4 154 74 31 139 868 78 6 - - -
5 169 82 33 139 881 78 6 - - -
6 190 93 36 139 895 78 6 - - -
7 208 104 41 139 916 78 6 - - -
8 208 115 46 144 936 78 6 - - -
9 208 127 52 144 957 78 6 - - -
10 226 142 59 144 978 78 6 - - -
15 381 227 102 152 1,104 78 8 - - -
20 585 320 134 170 1,371 78 10 - - -
25 792 422 131 191 1,793 78 13 - - -
30 979 535 83 226 2,379 78 12 - - -
34 1,275 630 27 274 2,820 78 4 - - -
Table 4: HLA CompleteCover (For illustration purposes only. This may not be the benefits that you will receive)
You may withdraw partially At maturity or upon early

Amount received on
The amount subject to minimum balance of cancellation, you may receive this
surrender for any rider with
you need to RM 500 (amount is not amount (amount is not
non-unitised cash value
pay guaranteed) guaranteed)
End Premium Paid Guaranteed Guaranteed Guaranteed Guaranteed Non-Guaranteed Non-Guaranteed Non-Guaranteed
5 6 3 7
of (RM) Death Benefits TPD/OAD Income Non-unitised Account Value Cash Value Death Benefits
Policy (RM) Benefit (per year) Cash Value
Year (RM) (RM) (RM) (RM) (RM)
(RM)
(g2) (g) = (g1)+(g2) - any
(g1) Surrender Charge
Scenario X Scenario Y Scenario X Scenario Y Scenario X Scenario Y

1 3,120 150,000 0 0 0 582 590 582 590 150,582 150,590
2 3,120 150,000 0 0 0 1,174 1,207 1,174 1,207 151,174 151,207
3 3,120 150,000 0 0 0 1,655 1,729 1,655 1,729 151,655 151,729
4 3,120 150,000 0 0 0 2,571 2,707 2,571 2,707 152,571 152,707
5 3,120 150,000 0 0 0 3,462 3,686 3,462 3,686 153,462 153,686
6 3,120 150,000 0 0 0 4,314 4,653 4,314 4,653 154,314 154,653
7 3,120 150,000 0 0 0 5,593 6,081 5,593 6,081 155,593 156,081
8 3,120 150,000 0 0 0 6,846 7,522 6,846 7,522 156,846 157,522
9 3,120 150,000 0 0 0 8,072 8,981 8,072 8,981 158,072 158,981
10 3,120 150,000 0 0 0 9,400 10,582 9,400 10,582 159,400 160,582
15 3,120 150,000 0 0 0 14,881 18,092 14,881 18,092 164,881 168,092
20 3,120 150,000 0 0 0 17,393 23,616 17,393 23,616 167,393 173,616
25 3,120 150,000 0 0 0 15,681 25,525 15,681 25,525 165,681 175,525
30 3,120 150,000 0 0 0 8,534 22,030 8,534 22,030 158,534 172,030
34 3,120 150,000 0 0 0 0 13,600 0 13,600 0 163,600
Maturity Benefit
At the end of the policy term, a Maturity Benefit of basic plan equivalent to the Account Value shall be payable. Auto-extension of the plan is not applicable once policy owner received the Maturity Benefit.
5
The guaranteed death benefits are referring to the death benefit of basic plan.
6
The Account Value is the projected value of units inclusive of Bonus Units (please refer to Table B for details) and is net of tax and fund management fee.
7
The illustrated non-guaranteed death benefits are inclusive of the amount of the guaranteed death benefits.
Where the non-guaranteed portion becomes zero/negative, it means that your unit fund is no longer able to pay for your insurance cover.
Ratio of fund(s) chosen
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 0.00 0.00 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

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Printed On: 21/05/2020 3:38:05 pm Code : A0068603 Prepared By : NG ZHI YUN

Commencement Date: 21/05/2020 Product Illustration

Name of insurer: Hong Leong Assurance Berhad Life Assured

Used to purchase units in the

• Commission to Deduct fees & charges:

Table 2(a):Basic Plan

HLA CompleteCover Increasing Cover 34 260.00 150,000.00 34 -

Option for Regular Top Up:

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

Table 2(b): Rider(s) (Optional)

2. Riders can be in the form of:

Summary of Premium Paid

Table 3: Insurance Charges of the Respective Unit-deducting Rider(s)

You may withdraw partially At maturity or upon early

Scenario X Scenario Y Scenario X Scenario Y Scenario X Scenario Y

Ratio of fund(s) chosen

Your allocated premium will be invested in the following funds:

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