Mariano MLC

Dear MA CRISTINA MARIANO,
Congratulations, you are on your way to achieving your dream GOAL in 15 years. Your personalized MyLifeChoice
plan is a peso-denominated, regular-pay investment-linked life insurance plan powered by AXA.
Your plan comes with a living and protection benefits which are summarized below:
Living Benefits
Your Benefit (Account Value)
At year 10 At year 15 At age 65
At 4.00% annual rate of return 149,865 278,303 815,531

At 10.00% annual rate of return 205,196 455,348 2,346,754
*Values shown above do not incorporate premium holiday and/or withdrawals. To view your adjusted account values due to
premium holiday and/or withdrawals, please refer to the supplementary illustration of benefits in the proposal.
Protection Benefits
Your Loved Ones (Death Benefit)
At year 1 At year 10 At year 15

Secure (if accidental death) 600,000 600,000 600,000
Total Death Benefit 1,200,000 1,200,000 1,200,000
Total Death Benefit Annual Regular Top-up Lump Sum Top-up
Basic Annual Premium
at Year 1 and Rider Premium At policy year 1
1,200,000 20,000 5,450 0
Your plan also comes with the following benefits:

 Waiver of Premium - waives your remaining future annual premiums of Php 20,000 in case of total and permanent
disability of insured.
 Care Economy - Php 300 for daily hospitalization benefit

 Critical Conditions Rider - lump sum benefit of Php 600,000 upon diagnosis of any the covered critical conditions.
This summary page is not part of the contract and is for marketing use only.
Start-Up bonus
AXA also invests with you through the start-up bonus feature. On day 1 of your policy, AXA will add an
equivalent of 70% of your basic annual premium to your investment provided there were no premium
holidays applied and no withdrawals are made before policy years 10, 15 and 25.
At Policy Year 15,
14,000 20% of your basic

annual premium
At Policy Year 10, invested as start-up At Policy Year 25,
20% of your basic bonus, including 30% of your basic
AXA will add to your investment annual premium gains, if any, will be annual premium
equivalent to 70% of your invested as start-up credited to your invested as start-up
basic annual premium bonus, including gains, account value. bonus, including
if any, will be credited gains, if any, will be
to your account value. credited to your
account value.
The accumulation of your Start-Up bonus will follow the performance of your selected funds and is not
guaranteed. Start-Up Bonus will be vested in your Account Values if premiums are paid on time or
within the grace period, no premium holidays were previously applied and no withdrawals were made.
Fund Allocation and Available Funds
Equities Balanced Bonds
Philippine Wealth Equity Philippine Wealth Philippine Wealth Bond

20% 80% 0%
Fund Balanced Fund Fund
Global Dynamic
AXA Target Date Fund
Opportunity Fund 0% 0% Allocation Fund PHP – 0%
2030
Stable
Spanish American AXA Target Date Fund

0% 0%
Legacy Fund 2035

Chinese Tycoon Fund 0% 0%
2040
Global Advantage Fund AXA Target Date Fund

0% 0%
PHP 2045
Global Dynamic Global Dynamic

Allocation Fund PHP – 0% Allocation Fund PHP – 0%
Growth Multi Asset
Thank you for choosing AXA Philippines. We look forward to being your partner in achieving your unique financial
goals.
Sincerely,
AXA Philippines.
Notes:
1. This summary page is not part of the contract and is for marketing use only.
2. To know the complete details of your MyLifeChoice plan, please refer to the proposal that follows
3. The rates of return shown above, approved by the Insurance Commission, are for illustration purposes only and
do not guarantee future performance. The actual return may differ. You may refer to the Historical Fund
Performance to check the past performance of AXA funds.
4. The illustrated benefits are NET of the following policy charges:
a. Premium charges of 40% of the basic premium from the first up to the fifth years of the Policy; all Top-
Ups shall be subjected to a Top-Up charge of 2%.
b. Cost of Insurance, for the basic plan coverage and supplementary benefits, shall be deducted monthly
from the account value. Plus, Administration Charge of Php1,200 per Policy year.
c. Asset Management Charge may vary depending on the chosen funds(s) plus VAT.
d. Withdrawals (partial and full) are subject to surrender charges of 100%, 100%, 50%, 30%, 10%
respectively during the 1st 5 policy years and 5% from 6th to 10th policy year of the amount withdrawn.
5. Assumptions:
a. The illustrated benefits assume the following:
i. All premiums are paid in full when due and as scheduled.

ii. Current scale of charges remains unchanged.
b. Policy charges are based on the standard risk class without taking into acccount your own circumstances
(example: occupation, heath conditions etc.). Risk class will be determined according to our
underwriting guidelines.
6. Charges for the basic policy and administration charges shall be deducted monthly until the termination of the
policy. Charges for any supplementary benefits/riders shall be deducted monthly until the end the rider coverage.
7. Any withdrawals from the Account Values will correspondingly reduce the Death Benefit payable.
8. Policy charges are not guaranteed and may change subject to prior approval of the Insurance Commission.
9. For policies with Care Rider and/or Critical Condition Rider, pay out benefits are subject to the following
exclusions:
a. Waiting period, prior any commencement of claim, of thirty (30) days for Care Rider and sixty (60) days
for Critical Condition Rider from the effective date of this rider or date of its last reinstatement; or
b. Hospitalizations arising from pre-existing conditions which means a condition (a) for which the Insured
received medical advice, consultation or treatment, or (b) whose signs or symptoms are evident, or
should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment during the two years preceding the supplement effective date, or reinstatement date, whichever
date is later. “Condition” means any type of illness, specific injury, disease or infirmity including all
underlying or related conditions and any manifestation thereof, whether in one or more than one body
system, that are claimed within twelve months from the Effective Date of this Supplement or date of its
last reinstatement (whichever is later)
(For the complete benefits- and exclusions- list of the riders, you may refer to the policy contract).
10. If after purchasing the variable life insurance contract, you realize that it does not fit your financial needs, you may
return the contract to AXA Philippines within fifteen (15) days from the time you received it. AXA Philippines with
return to you the Account Values and all initial charges.
MYLIFECHOICE
Policyowner or Payor: MA CRISTINA MARIANO, 36, Female
Proposed Insured: Ms. MA CRISTINA MARIANO, 36, Female
Dear MA CRISTINA MARIANO,
Congratulations, you are on your way to achieving your dream GOAL in 15 years.
We are glad you chose MyLifeChoice, a peso-denominated, regular-pay investment-linked life insurance product that will
cater to your savings and protection needs by placing your premiums in expertly managed fund/s while providing you with
insurance coverage.
You can look forward to your goals with a plan that lets you enjoy these benefits:
Plan Summary (in PHP)

Annual Premium 25,449.68
Premium Payment
Period* Up to age 90 of the insured
Sum Insured 600,000
Death Benefit Option Level Death Benefit
Contract Term Up to age 90 of the insured
Philippine Wealth Balanced Fund 80%
Philippine Wealth Equity Fund 20%
Chosen fund/s
TOTAL 100%
Account Values at year With assumed fund growth rate at 4.00% 278,303
of goal: Policy Year 15** With assumed fund growth rate at 4.25% 283,897
With assumed fund growth rate at 10.00% 455,348
*Depending on the current market conditions, you may be requested to pay additional premiums, if your Account Values
will not be sufficient to pay for the recurring Policy charges to sustain the plan’s coverage.
**The rates of return shown above, approved by the Insurance Commission, are for illustration purposes only and do not
guarantee future performance. The actual return may differ based on actual market performance on valuation date.
Your plan automatically comes with these additional benefits:
Waiver of Premium
AXA will ensure that your remaining basic premiums will be paid for even if you become totally
and permanently disabled before the age of 60, to ensure that you achieve your goals no
matter what happens.
Accidental Death and Disability

AXA will provide you and your loved ones with financial assistance in case of death,
dismemberment, disablement, and/or major burns caused by accidents.
This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product
cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do
not purchase, or invest in it.
Proposal No: 51330-202207250214-2-02 Plan code: DS9090A / Rider Code: WPUDRR, DSAPUDR, MEB1, CCYRT
Proposal validity:Jul 25, 2022 to Sep 23, 2022
Date of next insurance age: Aug 15, 2022
Version Number: 6.2.0 Page 1 of 19
MYLIFECHOICE
You also enjoy these unique offerings:
Start Up bonus
At the beginning of your Policy effective date, AXA will put in additional amount to your fund
equivalent to 70% of your first year basic annual premium. Start Up Bonus will be vested in
your Account Values if premiums are paid on time or within the grace period, no premium
holidays were previously applied and no withdrawals were made. The longer you maintain
your good savings habits, the higher bonus you will receive.
The value of your Start Up bonus will be vested accordingly:
Vesting Year* Start Up Bonus

Policy Year 10 20% of your first year basic annual premium
Total Bonus 70% of your first year basic annual premium
*Vesting Year is the time when the portion of the Start Up bonus will be accessible to you for
withdrawals and fund switching.
The accumulation of your Start Up bonus will follow the performance of your selected funds and is
not guaranteed. The unit price that will be used is the NAV of the selected fund/s at the end of each
vesting year.
The benefits of this Policy may be subject to limits, please refer to the notes of your chosen plan’s
inclusions/exclusions/limits. The succeeding pages of this proposal will provide more details on the features and benefits
of MyLifeChoice.
Thank you for your interest in MyLifeChoice. For additional assistance, you may call me at my contact number below or
the AXA Customer Care Hotline No. (02)85815-292.
JAMER, KHRISTIAN DAMIELLE A

30712
51330
639173177054
MYLIFECHOICE
Below are important details of your proposal and descriptions of available funds:
Maximum Sum Insured Annual Premium

Basic Plan: coverage age (in PHP) (in PHP)
MyLifeChoice 90 600,000 20,000.00
Supplements (additional benefits):

Waiver of Premium - waives all future 60 20,000 0.00
premiums in case of total and permanent
disability
Secure - accidental death and dismemberment 70 600,000 0.00

benefit
Care Economy - Php 300 for daily 71 300,000 1,651.68

hospitalization benefit
Critical Conditions Rider - critical illnesses 71 600,000 3,798.00

benefit
TOTAL 25,449.68
You may also pay your premium in the following modes:

Mode of Payment Modal Premium
(in PHP)
Annual 25,449.68
Semi-annual 12,724.84
Quarterly 6,362.42
Monthly 2,120.82
You may choose to invest in any of the following funds. If you choose to invest in more than one fund, a minimum allocation
of 10% per fund is required. The total allocation should always be equal to 100%.
a. Opportunity Fund - This equity fund aims to achieve long term growth capital gains and dividends by investing in a
diversified portfolio of equities of Philippine corporations from different industries.
b. Spanish American Legacy Fund - This equity fund aims to achieve medium-to-long-term growth through capital
gains and dividends by investing in a management themed-portfolio comprised of Philippine companies from
different industries with Spanish-American heritage.
c. Chinese Tycoon Fund - This fund aims to achieve medium-to-long-term growth through capital gains and
dividends by investing in a management themed-portfolio reflective of the Chinese-Filipino entrepreneurial spirit
through strategic investment in Philippine companies from different industries.
d. Philippine Wealth Balanced Fund - This balanced fund is designed to achieve long-term growth through both
interest income and capital gains with an emphasis on providing a modest level of risk. It seeks to manage risk by
diversifying asset classes and industry groups through investment in bonds issues by the Philippine government
and equities issued by Philippine corporations comprising the Philippine Stock Exchange index.
MYLIFECHOICE
e. Philippine Wealth Bond Fund - This bond fund is an actively managed fixed income fund that seeks to capitalize
on capital and income growth through investments in interest-bearing securities issued by the Philippine
Government and money market instruments issued by banks.
f. Philippine Wealth Equity Fund - This equity fund seeks to achieve long-term growth of capital by investing mainly
in equities of Philippine corporations comprising the Philippine Stock Exchange index. The fund aims to provide
access to a diversified portfolio of equities from different industries.
g. AXA Target Date Funds 2030, 2035, 2040, 2045 - These funds use (1) long term risk and return assumptions and
(2) estimates of the average client’s risk aversion. As the fund moves closer to the target date, the fund will
rebalance the portfolio to reflect the changing needs and priorities of the average client. The fund will prioritize
growth assets early on in the fund’s life and will move closer to a balanced portfolio with more conservative
investments as it nears the target date.
h. Global Advantage Fund PHP - The Fund seeks to achieve medium – to -long term growth through capital gains
and dividends from stocks of large non-financial companies in the US that comprise the NASDAQ 100 (NDQ) Index
i. Global Dynamic Allocation Fund PHP – Stable - The Fund seeks to provide its investors access to a diversified
portfolio of fixed income securities spread across five major regions in the world while maintaining a lower level of
portfolio risk.
j. Global Dynamic Allocation Fund PHP – Multi Asset - The Fund seeks to provide its investors access to a
diversified portfolio of fixed income and equities securities spread across five major regions in the world maintaining
a moderate level of portfolio risk.
k. Global Dynamic Allocation Fund PHP – Growth - The Fund seeks to provide its investors access to a diversified
portfolio of equities securities spread across five major regions in the world while maintaining a high level of
portfolio risk.
MYLIFECHOICE
SPECIAL FEATURES
Fund switching allows you to manage your investment by choosing from the available
AXA peso-denominated funds. Minimum switch amount is the peso equivalent of
Fund Switch USD 400. Fund switching is allowed any time after the Policy issue date. There will
be eight free switches per year, and you will be charged 1% of the switch amount in
excess of the free.
Top-Ups are additional premium that go directly to your chosen investment fund to
accelerate the growth potential of your Account Values. Top-ups also shares a part
on the calculation of the Minimum Death Benefit.
Your Minimum Death Benefit for any Policy year is equal to the Sum Insured, plus
125% of total Top-Up premiums paid less 125% of total partial withdrawals made.
There are two types of Top-Ups:
Top-Ups · Lump Sum Top-Up - is an additional premium that goes directly to your
chosen investment fund/s which you can do anytime. The minimum Lump
Sum Top-Up amount is PHP 5,000
· Regular Top-Up - is a committed additional premium that goes directly to
your chosen investment fund/s paid together with your regular premium. The
minimum Regular Top-Up amount is PHP 1,000
Premiums are paid depending on your chosen premium payment schedule. In

circumstances that prevent you from being able to pay your premium, you may
Premium Holiday request for a temporary premium holiday as long as your Account Values is sufficient
to pay the charges, including Premium Charges, to sustain your Policy.
Your bonus will grow along with your fund and will be added to your Account Values
per the schedule identified in Page 2 of this document. The Start-Up bonus will be
allocated to Your Policy in proportion to the Account Values of each investment fund
Start-Up Bonus relative to the Account Values of Your Policy. The Units to be created will be credited
on the Valuation Dates of the relevant Investment Funds immediately following the
date of the bonus is credited, in accordance with the rules We set from time to time.
You have the option to choose between two Death Benefit options:
· Level Death Benefit - provides Death Benefit equal to the Minimum Death
Benefit or Account Values, whichever is higher.
Increasing or Level Death · Increasing Death Benefit - provides Death Benefit equal to Minimum Death
Benefit options Benefit plus Account Values.
Minimum Death Benefit is equal to the Sum Insured, plus 125% of total Top-Up
premiums paid less 125% of total partial withdrawals made.
You have the option every year to increase your insurance coverage to ensure that
the amount you leave for your loved ones will be protected against inflation.
You can choose to increase your coverage based on the current Consumer Price
Inflation Shield Index subject to a minimum percentage that AXA Philippines may determine from
time to time with no further proof of insurability and with a minimal additional
premium. This offer is only available during your premium paying period.
*Additional premium is still subject to premium charges.
MYLIFECHOICE
ILLUSTRATION OF BENEFITS
The values indicated below reflects timely payment of premiums depending on your chosen premium payment period. In
addition, you have the option to accelerate the growth potential of your Account Values by paying Top-Up premiums which
go directly to your chosen investment fund/s.
The following table, assuming different rates of return, illustrates your Account Values when premiums are paid in full when
due for the duration of the policy, no unpaid premium (Premium Holiday), no withdrawals, and the current scale of charges
remain unchanged. The illustrated values below are inclusive of the Start-Up Bonus.
ILLUSTRATION OF BENEFITS (in PHP)

Total
cumulative
End of regular basic Start Up Low Current High
Policy Year premiums and Bonus 4.00% rate of return 4.25% rate of return 10.00% rate of return
Top-Ups, if any
Living Benefit Death Benefit Living Benefit Death Benefit Living Benefit Death Benefit
1 20,000.00 14,000 8,304 600,000 8,329 600,000 8,895 600,000

2 40,000.00 16,933 600,000 17,004 600,000 18,672 600,000
3 60,000.00 25,895 600,000 26,036 600,000 29,417 600,000
4 80,000.00 35,205 600,000 35,441 600,000 41,227 600,000
5 100,000.00 44,877 600,000 45,236 600,000 54,213 600,000
10 200,000.00 149,865 600,000 151,810 600,000 205,196 600,000
13 260,000.00 219,772 600,000 223,479 600,000 331,561 600,000
15 300,000.00 278,303 600,000 283,897 600,000 455,348 600,000
20 400,000.00 427,783 600,000 439,621 600,000 845,265 845,265
30 600,000.00 866,776 866,776 905,040 905,040 2,601,186 2,601,186
40 800,000.00 1,512,945 1,512,945 1,605,369 1,605,369 7,069,230 7,069,230
50 1,000,000.00 2,474,538 2,474,538 2,672,424 2,672,424 18,666,241 18,666,241
60 1,080,000.00 *** *** *** *** *** ***
Age 60 480,000.00 572,028 600,000 591,658 600,000 1,323,159 1,323,159
Age 70 680,000.00 1,093,092 1,093,092 1,148,568 1,148,568 3,900,086 3,900,086
Age 80 880,000.00 1,853,053 1,853,053 1,979,815 1,979,815 10,446,296 10,446,296
Age 90 1,080,000.00 2,977,980 2,977,980 3,240,165 3,240,165 27,425,478 27,425,478
The rates of return shown above, which are approved by the Insurance Commission, are for illustration purposes
only, nor they guarantee future performance. These return figures do not represent expected returns. The actual
return may differ. You may refer to the Historical Fund Performance to check the past performance of AXA Funds.
Current rates are derived as follows:
1. Global Dynamic Allocation Peso funds: middle of the projected long-term returns based on 10-year economic
forecast and the historical long-term returns using the benchmark or a comparable index of the fund/s for the past
ten(10) years;
2. Global Advantage Fund Peso: middle of the projected long-term returns based on 10-year economic forecast and
the historical long-term returns of the fund or comparable index for the past fifteen (15) years;
3. Other funds: historical experience of the fund/s in the past three (3) years; and
4. If you have chosen multiple funds, the current rate illustrated is the average rate based on the weight of your
selected fund.
Your Living Benefit will only be withdrawn and be payable to you when you make a formal request to AXA Philippines. If no
request has been made, this Policy shall continue to provide its benefits as long as it is in-force or until the insured reach
age 90.
Your contract term is specified in the illustration of benefits in this proposal. Please refer to the additional notes below
applicable to the illustration of benefits table.
MYLIFECHOICE
Notes:
1. This illustration shall form part of the insurance contract once the Policy is issued.
2. These funds and corresponding illustrations are only valid in connection with AXA products solely distributed within
the Philippines
3. All payments and benefits shown are in Philippine Peso.

4. The values in the illustration of benefits table are based on the projected performance of your chosen fund/s. Since
the fund performance may vary, the values of your units are not guaranteed and will depend on the actual
investment performance at that given period. The projected returns, which are approved by the Insurance
Commission, on investments are based on assumed annual rates of 4%, current interest rates as explained
above, and 10%. These rates are for illustration purposes only and do not represent maximum or minimum return
on your fund.
5. The illustrated values are NET of:

a. Premium charges of 40% of the basic premium from the first up to the fifth years of the Policy; all Top-Ups
shall be subjected to a Top-Up charge of 2%.
b. Cost of Insurance, for the basic plan coverage and supplementary benefits, shall be deducted monthly
from the illustrated values. Plus, Administration Charge of Php1,200 per Policy year.
c. Asset Management Charge depending on the chosen fund/s, plus VAT and any additional expenses or
charges related to the chosen Investment Fund/s. Please refer to the individual Fund Fact Sheets
available at www.axa.com.ph for more details.
6. The illustrated benefits assume that no withdrawals are made and the current scale of charges remains
unchanged.
7. The illustrated values are still subject to a surrender charge for withdrawals (partial and full) up to the 10th Policy
year. The surrender charge is equal to the amount withdrawn multiplied by surrender factor of
100%/100%/50%/30%/10%/5%/5%/5%/5%/5% for the 1st to 10th Policy years.
8. At the beginning of your Policy effective date, AXA will put in additional amount to your fund equivalent to 70% of
your first year basic annual premium. The schedule of the Start-Up Bonus will be 20%/20%/30% of your first year
basic annual premium on Policy Years 10, 15 and 25, respectively. The accumulation of your Start-Up bonus will
follow the performance of your selected funds and is not guaranteed. Start-Up Bonus will be vested in your
Account Values if premiums are paid on time or within the grace period, no premium holidays were previously
applied and no withdrawals were made.
9. Assumptions:
a. All premiums shown in the illustration of benefits table are paid in full when due and as scheduled. It
assumes the current scale of charges remains unchanged.
b. The proposed policy charges used in this illustration summary are based on the standard risk class without
taking into account your own circumstances (example: occupation, health conditions etc.). Risk class will
be determined according to our underwriting guidelines.
10. Charges for the basic policy and administration charges shall be deducted monthly until the termination of the
policy. Charges for any supplementary benefits/riders shall be deducted monthly until the end of the rider
coverage.
11. Any withdrawals from the Account Values will correspondingly reduce the Death Benefit payable.
12. The investment gains/risks associated with this plan are solely to your account.
13. If after purchasing the variable life insurance contract, you realize that it does not fit your financial needs, you may
return the contract to AXA Philippines within fifteen (15) days from the time you received your policy. AXA
Philippines will return to you the Account Values and all initial charges.
MYLIFECHOICE
SUPPLEMENTARY ILLUSTRATION OF BENEFITS
You may choose to further customize your Policy through placement of Lump-Sum Top-Ups any time and/or scheduled
withdrawals.
Highlighted in the table is the assumed withdrawable Account Values on Policy Year 15 that can be used for your dream
GOAL. If you wish to fully withdraw, the Policy will automatically be terminated together with the insurance coverage and
supplementary benefits.
Total Lump Sum SUPPLEMENTARY ILLUSTRATION OF BENEFITS (in PHP)

cumulative Top-Up
End of regular basic premiums or Low Current High
Policy Year premiums and withdrawals 4.00% rate of return 4.25% rate of return 10.00% rate of return
Top-Ups, if any at Given
Years Living Benefit Death Benefit Living Benefit Death Benefit Living Benefit Death Benefit
1 20,000.00 8,304 600,000 8,329 600,000 8,895 600,000

2 40,000.00 16,933 600,000 17,004 600,000 18,672 600,000
3 60,000.00 25,895 600,000 26,036 600,000 29,417 600,000
4 80,000.00 35,205 600,000 35,441 600,000 41,227 600,000
5 100,000.00 44,877 600,000 45,236 600,000 54,213 600,000
10 200,000.00 149,865 600,000 151,810 600,000 205,196 600,000
13 260,000.00 219,772 600,000 223,479 600,000 331,561 600,000
15 300,000.00 278,303 600,000 283,897 600,000 455,348 600,000
20 300,000.00 240,307 600,000 250,843 600,000 625,809 625,809
30 300,000.00 28,903 600,000 51,204 600,000 1,240,211 1,240,211
40 300,000.00 *** *** *** *** 2,740,563 2,740,563
50 300,000.00 *** *** *** *** 7,088,169 7,088,169
60 300,000.00 *** *** *** *** *** ***
Age 60 300,000.00 187,552 600,000 202,554 600,000 821,235 821,235
Age 70 300,000.00 *** *** *** *** 1,603,612 1,603,612
Age 80 300,000.00 *** *** *** *** 4,006,592 4,006,592
Age 90 300,000.00 *** *** *** *** 10,371,922 10,371,922
The rates of return shown above, which are approved by the Insurance Commission, are for illustration purposes
only and are not based on past performance, nor they guarantee future performance. The return figures do not
represent expected returns. The actual return may differ. You may refer to the Historical Fund Performance to
check the past performance of AXA Funds.
Current rates are derived depending on the client’s chosen fund/s. See notes under Illustration of Benefits.
Your Living Benefit will only be withdrawn and be payable to you when you make a formal request to AXA Philippines. If no
request has been made, this Policy shall continue to provide its benefits as long as it is in-force or until the insured reach
age 90.
MYLIFECHOICE
Attached Supplements
Summary of the Riders Attached to this Proposal
1. SECURE is an additional coverage for Accidents on top of the life insurance benefit. If the insured, because of
an accident, dies or sustains bodily injury in ways describing below, a percentage of the amount insured by
SECURE will be given based on the following:
TYPE OF INJURY % of SECURE

Sum Insured
· Permanent loss of:

- Life 100%
- Two or more limbs 100%
- Sight of both eyes 100%
- Sight of one eye and one limb 100%
- Hearing of both ears 75%
- Hearing of one ear 15%
- Speech 50%
- Sight of one eye 50%
- One limb 50%
- All joints of four fingers and thumb of right hand 40%
- All joints of four fingers and thumb of left hand 35%
- All joints of four fingers of right hand 35%
- All joints of four fingers of left hand 30%
- Two joints of right thumb 25%
- One joint of right thumb 15%
- Two joints of left thumb 20%
- One joint of left thumb 10%
- Three joints of one finger of right hand 10%
- Two joints of one finger of right hand 7.5%
- One joint of one finger of right hand 5%
- Three joints of one finger of left hand 7.5%
- Two joints of one finger of left hand 5%
- One joint of one finger of left hand 2%
- All joints of all toes of one foot 15%
- All joints of big toe 5%
- One joint of big toe 3%
· Fractured leg or patella 10%

· Shortening of leg by at least 5 cms. 7.5%
· Major burns as percent of total body surface
- Head
- 2% but less than 4% 25%
- 8% or more 100%
- Body
- 10% but less than 12.5% 25%
- 12.5% but less than 15% 50%
- 20% or more 100%
SECURE Premiums are payable up to age 70.
MYLIFECHOICE
We will not pay You any benefit under this Supplement if Your Death, Dismemberment or Loss of Use shall result, directly or indirectly,
wholly or partly, from any of the following causes:
(1) self-inflicted injury, suicide or any attempt thereat; or

(2) disease or infection (except infection which occurs through an accidental cut or wound), including infection with any Human
Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations,
derivations or variations thereof; or
(3) strike, riot, civil commotion, Acts of Terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation; or
(4) murder, provoked assault or participation in any brawl; or
(5) any violation or attempted violation of the law or resistance to arrest; or
(6) while the Insured is affected by alcohol or unprescribed drug; or
(7) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an accidental
cut or wound, disease or sickness of any kind; or
(8) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas; or
(9) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance except while traveling as a
passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea
service over an established passenger route; or
(10) service in the military, naval or air force in time of declared or undeclared war or while under the orders for warlike operations or
restoration of public order; or
(11) while undergoing medical or surgical treatment except as a result of accidental injury; or
(12) when occasioned by or happening through pregnancy or childbirth; or
(13) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang-gliding, yachting beyond five (5) kilometer of coast-line,
bungee-jumping, parachuting, sky-diving, mountaineering, and other forms of extreme sports; or
(14) nuclear, biological or chemical (NBC) contamination; or
(15) Pre-Existing Conditions as defined in this Supplement.
“Pre-existing condition” means a condition (1) for which the Insured received medical advice, consultation or treatment, or (2) whose signs
or symptoms are evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment for it, prior to the Effective date of this Supplement or date of effectivity of its last reinstatement, if any. “Condition” means any type
of Bodily Injury as defined in this Supplement.
MYLIFECHOICE
2. CRITICAL CONDITIONS RIDER allows you to protect yourself from the unexpected cost of critical illness. This rider automatically renews
every year with premium rates based on your attained age at the date of renewal.
If you are diagnosed of having any of the following critical illnesses before age 71, AXA will pay the rider Sum Insured. This advanced
benefit will not in any way diminish your basic life insurance coverage.
CRITICAL CONDITIONS RIDER Premiums are payable up to termination age and are renewable annually. The premium rate will depend on
the attained age of the Insured at renewal date. Below is a sample premium schedule for your reference:
Age Nearest Annual Age Nearest Annual

Birthday Premium Birthday Premium
36 3,798.00 50 9,426.00
37 3,936.00 55 11,940.00
38 4,074.00 60 17,100.00
39 4,212.00 65 27,336.00
40 4,344.00 70 45,540.00
41 4,482.00
42 4,854.00
43 5,424.00
44 5,988.00
45 6,564.00
CRITICAL CONDITIONS COVERED
Group 1 Cancer Group 4 Critical Conditions related to the Group 7 Critical Conditions related to
1. Cancer nervous system immunology and rheumatology
19. Amyotrophic Lateral Sclerosis 44. Severe Rheumatoid Arthritis
Group 2 Critical Conditions related to organ 20. Apallic Syndrome 45. Systemic Lupus Erythematosus (S.L.E.)
failure 21. Bacterial Meningitis with Lupus Nephritis
2. Chronic Adrenal Insufficiency (Addison's 22. Benign Brain Tumor 46. Systemic Scleroderma
Disease) 23. Blindness
3. Chronic and Irreversible Kidney Failure 24. Brain Damage^ Group 8 Critical Conditions related to
4. Chronic Liver Disease 25. Encephalitis neurological degeneration
5. Coma 26. Motor Neuron Disease 47. Alzheimer’s Disease
6. End Stage Lung Disease 27. Multiple Sclerosis 48. Parkinson’s Disease
7. Loss of Independent Existence# 28. Muscular Dystrophy 49. Severe Creutzfeld-Jacob Disease (CJD)
8. Major Organ Transplantation 29. Paralysis
9. Medullary Cystic Disease 30. Poliomyelitis Group 9 Critical Conditions related to the
31. Progressive Bulbar Palsy musculoskeletal system
Group 3 Critical Conditions related to 32. Progressive Supranuclear Palsy^ 50. Amputation of Both Feet due to
heart and blood vessels 33. Spinal Muscular Atrophy Complication from Diabetes
10. Cardiomyopathy 34. Stroke 51. Major Burns
11. Coronary Artery Disease Requiring 35. Tuberculosis Meningitis 52. Necrotizing Fasciitis
Surgery 53. Severance of Limbs
12. Dissecting Aortic Aneurysm Group 5 Critical Conditions related to
13. Eisenmenger’s Syndrome blood Group 10 Other Critical Conditions
14. Heart Attack 36. AIDS / HIV due to Blood Transfusion 54. Deafness (loss of hearing)
15. Heart Valve Surgery 37. Aplastic Anemia 55. Elephantiasis
16. Primary Pulmonary Arterial Hypertension 38. Occupationally Acquired AIDS / HIV 56. Loss of Speech
17. Severe Infective Endocarditis 39. Dengue Hemorrhagic Fever (Grades III 57. Terminal Illness
18. Surgery to Aorta and IV)
Group 6 Critical Conditions related to the

digestive system
40. Chronic Relapsing Pancreatitis
41. Fulminant Hepatitis
42. Severe Crohn’s Disease
43. Severe Ulcerative Colitis
#To be eligible to receive a benefit under this Critical Condition, the Insured must be between age 15 and age 75 at the time of first diagnosis.
^To be eligible to receive a benefit under this Critical Condition, the Insured must be above age 5 at the time of first diagnosis.
Notes:
1. The rates shown, if any, are those currently in effect. The rates applicable upon renewal of this Rider will be those in effect
at the date of renewal
2. For a detailed description including exclusions and other provisions, please refer to the rider contract.
MYLIFECHOICE
Critical Conditions Rider covers a total of 57 critical conditions. Here is a quick reference for the 16 most common
critical conditions.
TOP 16 COVERED CRITICAL CONDITIONS

CONDITION WHAT IS COVERED WHAT IS NOT COVERED
1. Cancer Cancer, beginning stage 1* to stage 4, which • Tumors defined as benign, or pre-
meets the following criteria: malignant
• A malignant tumor • Non-invasive cancers in situ (pre-
• Confirmed by biopsy report cancer or Stage 0 cancer)
• Certified by an appropriate specialist • Certain Stage 1 cancer
Types of Cancer include: Leukemia, Malignant classifications in the contract for the
Lymphoma, Hodgkin’s Disease, Malignant bone following organs: ovary, prostate,
marrow disorders, Metastatic cancers urinary bladder, and thyroid
• Any skin cancer other than malignant
*except for certain stage 1 cancer classifications melanoma
in specified organs • Chronic Lymphocytic Leukemia less
than Rai Stage 3.
2. Stroke Evidence of irreversible death of brain cells due to • Transient Ischaemic Attacks (TIA) or
a blocked artery or ruptured blood vessel. temporary stroke-like signs and
symptoms
• Brain damage due to an accident or
injury, infection, vasculitis
(inflammation of blood vessels),
inflammatory disease or migraine
• Disorders of the blood vessels
affecting the eye including infarction
of the optic nerve or retina
• Ischemic disorders of the vestibular
system
• Silent stroke with no symptoms
3. Heart Attack Occurrence of death of a portion of the heart • Any chest pain (i.e. angina) without
muscle as a result of inadequate blood supply to evidence of death or injury of the
the relevant area. heart muscle
4. Coronary Artery An open heart surgery should have already been • All other procedures which do not
Bypass Graft Surgery done to correct the narrowing or blockage of one require open chest surgery and
(CABG) or more coronary arteries with bypass grafts. actual placement of bypass graft
5. Heart Valve Surgery An open heart valve surgery should have already • All repairs conducted through intra-
been done to replace or repair one (1) or more arterial catheter procedures
heart valves, as a consequence of defects.
6. Major Organ Recommendation from a specialist to undergo • Other transplants for organs not
Transplantation transplant for any of the following organs: mentioned in the list
• heart, lung, liver, kidney, pancreas, or
human bone marrow
7. Chronic and The following symptoms must be present: • At least one kidney is still functioning
Irreversible Kidney • Both kidneys are characterized with and regular dialysis is not required.
Failure irreversible failure to function
• Has already started regular renal dialysis
• Is either awaiting or has already undergone
kidney transplant
8. Alzheimer’s Disease Evident deterioration or loss of cognitive and/or • Dementia relating to alcohol, drug
intellectual capacity, due to irreversible failure of abuse or AIDS
brain function.
Note: The critical condition must occur 60 days after the policy’s effective date for the benefit to be payable. Benefits relating to Critical
Conditions are payable according to the definitions set out in the Rider contract.
MYLIFECHOICE
TOP 16 COVERED CRITICAL CONDITIONS (continuation)

CONDITION WHAT IS COVERED WHAT IS NOT COVERED
9. Parkinson’s Disease Definitive signs of progressive and permanent • Drug induced, accidental, or toxic
neurological impairment, evidenced by permanent causes of Parkinson’s Disease
inability to perform at least three (3) out of six (6)
Activities of Daily Living (ADLs)1, in spite of being
on optimal medication.
10. Bacterial Meningitis Evidence of inflammation of the brain membranes • Viral Meningitis
or spinal cord, resulting in significant and
permanent neurological deficit.
11. Benign Brain Tumor Presence of a life threatening, non-cancerous • Cysts, granulomas (inflammations),
tumor in the brain. If it cannot be removed through malformations in, or of, the arteries
surgery, the tumor should cause significant and or veins of the brain, hematomas
permanent neurological deficit persisting for at (collection of blood outside the blood
least 6 consecutive months. vessels) and tumors in the pituitary
gland or spinal cord
12. Paralysis Inability of two (2) or more limbs to function totally • Paralysis in 1 limb
and permanently due to injury or disease of the
spinal cord or brain.
Those classified as Diplegia (paralysis affecting

like parts on both sides of the body, such as both
arms or both legs), Hemiplegia (paralysis of one
side of the body), and Quadriplegia (paralysis of
all four limbs) are included.
13. Loss of Independent Permanent inability to perform at least three (3) • Independent capability to perform 4
Existence Activities of Daily Living (ADLs)1, as certified by a or more ADLs
medical specialist and/or AXA’s medical director.
*Only Insured aged between 15 and 75 on first

diagnosis is eligible to receive a benefit under this
illness
14. Severe Rheumatoid Evidence of extensive joint deformity of two (2) or • Only one joint area is affected and
Arthritis more of the following joint areas: hands, wrists, the Insured can still perform 3 or
elbows, knees, hips, ankle, cervical spine or feet; more ADLs.
and inability to perform at least 2 Activities of
Daily Living (ADLs)1.
The condition must be present for at least six (6)

months.
15. Severance of Limbs Total and irrecoverable loss of two (2) or more • Loss of either one (1) hand or one (1)
limbs due to illness or accident only. This foot only.
includes the loss of use of both hands or both feet
or the use of one (1) hand and one (1) foot.
16. Dengue Dengue Grades III and IV • Dengue Hemorrhagic Fever I and II
Hemorrhagic Fever *Only Insured aged 21 and below on first
diagnosis is eligible to receive a benefit under this
illness.
1 Activities of Daily Living are as follows: (1) Washing - wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by
other means; (2) Dressing - put on, take off, secure, and unfasten all garments and, as appropriate, any braces, artificial limbs, or other surgical appliances; (3)
Transferring - move from a bed to an upright chair or wheelchair or vice versa; (4) Mobility - move indoors from room to room on level surfaces; (5) Toileting -
use lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene; and (6) Feeding - feed oneself once
food has been prepared and made available.
Note: The critical condition must occur 60 days after the policy’s effective date for the corresponding benefit to be payable. Benefits relating to all Critical
Conditions are payable according to the definitions set out in the Rider contract. Pre-existing condition* as defined is permanently excluded.
*Pre-existing condition means a condition (a) for which the Insured received medical advice, consultation or treatment, or (b) whose signs or symptoms are
evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or treatment for it prior to the Effective Date or
the date of last reinstatement, if any. “Condition” means any type of illness, specific injury, disease, or infirmity including all underlying or related conditions and any
manifestation thereof, whether in one or more than one body system.
Cooling-off Period: You may return or cancel the rider contract within 15 days from the date you receive the contract. You will receive a full refund of your
Premium. No refund can be made when you have already made a claim on your rider.
MYLIFECHOICE
3. CARE pays a specific amount to defray the cost of hospital confinement/admission due to sickness or injury, based on the
following schedule:
CONFINEMENT/ADMISSION BENEFITS
ECONOMY REGULAR SUPERIOR PREMIER
General Admission (up to 1,000 days) P300/day P800/day P1,200/day P2,000/day
Intensive Care (up to 120 days) P600/day P1,600/day P2,400/day P4,000/day
Regular, Superior and Premier plans are entitled to "No Claim" discount equivalent to 15% of the previous year's annual premium if the benefit
is not availed of within the first three(3) consecutive years immediately preceding the current policy year.
CARE Premiums are payable up to termination age and are renewable annually. The premium rate will depend on the
attained age of the Insured at renewal date. Below is a sample premium schedule for your reference:
Age Nearest Annual Age Nearest Annual

Birthday Premium Birthday Premium
36 1,651.68 50 2,182.14
37 1,659.45 55 2,245.95
38 1,718.10 60 2,611.35
39 1,780.20 65 3,832.35
40 1,842.30 70 7,852.50
41 1,904.40
42 1,973.40
43 2,038.95
44 2,101.05
45 2,142.45
We will not pay You any benefit under this Supplement if your Confinement shall result directly or indirectly from any of the following causes:
(1) sickness or disease of the Insured which was contracted and commenced within thirty (30) days from the Effective Date of this
Supplement or date of its last reinstatement; or
(2) hospitalizations arising from pre-existing conditions* as defined in this supplement, that are claimed within twelve months from the
Effective Date of this Supplement or date of its last reinstatement (whichever is later); or
(3) pregnancy, childbirth or miscarriage, sterilization or infertility and any other related treatment of congenital anomalies; or
(4) any drug or alcohol abuse; or
(5) any self-inflicted injury or suicide or any attempt thereat, whether sane or insane; or
(6) cosmetic surgery, eye glasses, corrective aids, and treatment of refractive errors or any optional surgery, unless as a result of Covered
Injury; or
(7) dental surgery except as a result of covered injury; or
(8) general check-up, convalescence, custodial or rest care; or
(9) treatment or surgery for tonsils, adenoids or hernia or a disease peculiar to the female generative organs, unless the Insured has been
continuously covered under this Supplement for a period of one hundred twenty (120) days from its Effective Date or the date of last
reinstatement, whichever is later; or
(10) circumcision; or
(11) any nervous or mental disorder; or
(12) disease or infection with any human immunodeficiency virus (HIV) and/or any HIV-related illness including Acquired Immune
Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof; or
(13) any attempt or commission of assault or unlawful act by the Insured; or
(14) any act of war, declared or not, or while in military, naval or air service for any country at war, declared or not; or
(15) any Confinement for treatment, procedure or other medical services which are not Medically Necessary.
*Pre-existing condition means a condition (a) for which the Insured received medical advice, consultation or treatment, or (b) whose signs
or symptoms are evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment during the two years preceding the supplement effective date, or reinstatement date, whichever date is later. “Condition” means any
type of illness, specific injury, disease or infirmity including all underlying or related conditions and any manifestation thereof, whether in one or
more than one body system.
Cooling-off Period: You may return or cancel the supplement contract within 15 days from the date you received the contract. You will
receive a full refund of your Premium. No refund can be made when you have already made a claim on your supplement.
MYLIFECHOICE
4. WAIVER OF PREMIUM waives premium payments in the event you are suddenly unable to work and pay for the premiums
because of a disability. In effect, with a Waiver of Premium supplement, your policy will be allowed to continue as if premiums
are regularly and continuously paid.
The premium term of the supplement for waiver of premium is the same as the premium term of the plan to which the
supplement for waiver of premium is attached.
NOTES:
1. The rates shown, if any, are those currently in effect. The rates may change subject to the approval of the Insurance Commission.
2. For a detailed description of the Supplements, including exclusions and other provisions, please refer to the policy contract.
MYLIFECHOICE
HISTORICAL FUND PERFORMANCE (as of December 31, 2021)

Year-to-Date Returns Average Annualized
Annualized Annualized
PHP Fund Name Return for Return Returns
(Launch Date) 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- 31-Dec- the last 3 (since fund
years inception) 1 yr. 3 yr. 5 yr.
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Philippine Wealth Bond
Fund - PHP 3.80% 2.95% 1.71% -2.27% 0.10% -1.49% -4.76% 16.55% 7.77% -5.39% 5.92% 3.74% -5.39% 5.92% 2.20%
(9/9/2004)
Philippine Wealth
Balanced Fund - PHP 12.92% 3.84% 7.55% -3.51% -2.19% 9.66% -9.18% 10.23% -0.25% -3.11% 2.13% 5.88% -3.11% 2.13% 1.19%
(9/9/2004)
Philippine Wealth Equity
Fund - PHP 31.91% 2.91% 22.68% -3.85% -3.42% 24.47% -13.68% 4.14% -10.21% 0.12% -2.17% 8.80% 0.12% -2.17% 0.12%
(4/6/2006)
Opportunity Fund - PHP
31.05% 2.34% 25.74% -4.23% -4.40% 23.58% -13.50% 3.73% -10.97% -1.17% -3.00% 8.12% -1.17% -3.00% -0.49%
(8/27/2009)
Chinese Tycoon Fund -
PHP 34.45% 4.93% 24.64% 0.50% -1.31% 25.37% -13.21% 6.03% -12.94% -9.06% -5.66% 5.06% -9.06% -5.66% -1.79%
(12/1/2011)
Spanish American
Legacy Fund - PHP 19.52% -4.61% 16.54% -6.35% -5.62% 22.09% -9.75% -0.91% -7.18% 13.97% 1.58% 3.09% 13.97% 1.58% 2.92%
(12/1/2011)
Philippine Peso Liquidity
Fund - PHP 2.26% 1.05% 0.33% 0.61% 1.11% 1.07% 2.47% 3.67% 1.39% 0.43% 1.82% 1.82% 0.43% 1.82% 1.80%
(5/8/2008)
2030 - PHP N/A N/A N/A N/A N/A 1.20% -10.28% 6.07% -3.54% -1.74% 0.17% -1.98% -1.74% 0.17% -1.81%
(6/5/2017)
2035 - PHP N/A N/A N/A N/A N/A 2.23% -11.51% 5.61% -4.43% -1.51% -0.20% -2.30% -1.51% -0.20% N/A
(6/5/2017)
2040 - PHP N/A N/A N/A N/A N/A N/A -11.74% 5.33% -4.92% -1.38% -0.64% -2.50% -1.38% -0.64% N/A
(6/5/2017)
2045 - PHP N/A N/A N/A N/A N/A N/A -11.95% 5.14% -5.23% -1.29% -0.55% -2.61% -1.29% -0.55% N/A
(6/5/2017)
Global Advantage Fund
PHP - PHP N/A N/A N/A N/A N/A N/A N/A N/A 3.67% 30.14% N/A 29.94% 30.14% N/A N/A
(11/9/2020)
Global Dynamic
Allocation Fund PHP –
N/A N/A N/A N/A N/A N/A N/A N/A -0.31% 0.95% N/A 0.55% 0.95% N/A N/A
Stable - PHP
(11/9/2020)
Global Dynamic
N/A N/A N/A N/A N/A N/A N/A N/A 0.63% 10.57% N/A 9.91% 10.57% N/A N/A
Multi Asset - PHP
(11/9/2020)
Global Dynamic
N/A N/A N/A N/A N/A N/A N/A N/A 3.13% 18.77% N/A 19.63% 18.77% N/A N/A
Growth - PHP
(11/9/2020)
MYLIFECHOICE
Notes:
1. The fund figures reflected above are not indicative of future performance. You should be aware that the
price of units per share and the potential income from them may go up or down depending on market
conditions and thus, are not guaranteed.
2. Average Annualized Performance for 1-year, 3-years and 5-years’ intervals shown in the tables above represent
the indicated Fund’s Average Annualized Performance using ANY 1-year interval, 3-years interval and 5-years
interval, respectively since inception of the funds.
3. The figures are exclusive of charges which will vary depending on the AXA Product where this fund will be used.
4. For Global Dynamic Allocation Fund - Stable Peso, Global Dynamic Allocation Fund - Multi Asset Peso, Global
Dynamic Allocation Fund - Growth Peso, and Global Advantage Fund - Peso, returns are dependent on both the
performance of the fund and the currency exchange rate. There's a possibility for an investor to experience
gains or losses due to fluctuations in the underlying fund prices and fluctuations in foreign exchange rates.
5. Philippine Peso Liquidity Fund is available for fund switching only.

6. Additional fund management charges may be deducted from certain funds. Please refer to the individual Fund
Fact Sheets available at www.axa.com.ph for more details.
Certified true and correct:
Gael Lapie
Chief Financial Officer
MYLIFECHOICE
DECLARATION AND ACKNOWLEDGEMENTS

Declaration
1. It is in my understanding that the total premium I am going to pay when I purchase this plan shall consist of the
MyLifeChoice premium, plus regular Top-Up premium, and/or supplementary premiums shown above, if any. I was
also made aware that only the MyLifeChoice premium and Top-Up premium will be allocated to purchase units of
the investment fund I will choose.
2. I confirm having read and understood the information presented in this proposal. I also confirm that I will fully
assume all investment gains and/or risks associated with the purchase of this plan. My Financial Advisor/Financial
Executive fully explained to me the features and charges that will be made on my plan, and that the actual variable
plan benefits will reflect the actual investment experience of the separate account into which my fund is invested.
Acknowledgement of Variability: Variable Life Insurance Plan

I acknowledge that:
I have applied with AXA Philippines for a Variable Life Policy, and have reviewed the illustration/s that shows how a
variable life insurance Policy performs using AXA Philippines’ assumptions and based on Insurance Commission’s
guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the
actual performance at that given period and that the value of my Policy could be less than the capital invested. The unit
values of my Variable Life Insurance are periodically published.
I understand that the investment risks under the Policy are to be borne solely by me, as the policyholder.
Data Privacy
Any of my/our personal information collected or held by AXA Philippines (whether contained in the application/s or
otherwise), may be used in connection with matching for whatever purpose with such other personal information and/or
may be used, stored, disclosed, transferred (whether within or outside the Philippines) to such persons as AXA Philippines
may consider necessary, including without limitation but not limited to any of its affiliated or related companies, or any
individuals/organizations corporations/entities associated with AXA Philippines:
a. To process and deal with my application/Policy;
b. To provide all services related to my application/Policy, to promote other products/services by AXA Philippines and
its affiliated or related companies/entities, and to process my information for product development and for
marketing purposes;
c. To communicate with me for any purpose and/or to comply with the laws of any applicable jurisdiction.
I/We understand that we have the right to access our personal information at any time; correct or rectify any information
collected or held by AXA Philippines which are inaccurate, false, or incomplete; object in case of any unauthorized
collections; erase or block information which is incomplete, outdated and false; and such other rights as may be available
under the Data Privacy Act.
MYLIFECHOICE
Product Transparency Declaration

By signing off on the items listed below, I acknowledge that the product has been discussed with and thoroughly explained
to me.
· I understand that I am buying an investment-linked insurance product
· I understand that the principal and earnings are not guaranteed and the net asset value per unit (NAVPU) may go
up or down depending on the performance of the separate funds.
· I understand that the funds will be invested in equities and/or bonds or a combination thereof, and will be subject
to changes in market conditions.
· The available funds and the risks that they bear have been thoroughly discussed with me, and I have made my
fund allocation decision based on my own judgement of and tolerance for these risks.
· I understand that this product is appropriate for a long-term investment horizon.
· I understand that I will have zero withdrawal value during the first two years of the Policy because the amount
withdrawn will be subject to 100% surrender charge.
CONFORME:
These declarations and acknowledgements are made with the
knowledge of the AXA representative whose signature appears
below:
Applicant/Policyowner Date Financial Advisor/Financial Executive Date

Signature over Printed Name Signature over Printed Name
TO BE FILLED UP BY AXA PHILIPPINES

These declarations and acknowledgements are valid for the following Policy/Policies with Policy number/s:
Disclosure of Conflict of Interest

The Company adopts a Conflict of Interest Policy and undertakes to disclose any material information which gives rise to
actual or potential conflict of interest to our customers. Company likewise takes all reasonable steps to ensure fair
dealings with our customers.
General Disclaimer
· All information and opinions provided are of a general nature and for information purposes only. The information
and any options herein are based upon sources believed to be reliable. AXA Philippines, its officers and directors
make no representations or warranty, expressed or implied, with respect to the correctness, completeness of the
information and opinions in this document. Investment or participation in the Fund/s is subject to risk and possible
loss of principal. Please carefully read the Policy and endorsements and consider the investment objectives, risks,
charges and expenses before investing. You should seek professional advice from your financial, tax, accounting
or legal consultant before making an investment. Past performance is not indicative of future performance.
THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE
CORPORATION (PDIC) AND IS NOT GUARANTEED BY METROBANK NOR PSBANK.
Reference No. : 51330-202207250214-2-02
INVESTMENT PORTFOLIO RISK ASSESSMENT

You prefer a balanced investment portfolio
Balanced Investment Portfolio : A balanced investment portfolio typically invest in bonds for income generation and
stocks for investment growth. This combination is to help mitigate financial loss should the stock market experience a
downturn.
· You understand that investing allows for higher returns than savings, but there is a risk that your investments
might yield negative returns and the value of your investments can even be lower than the amount you
invested.
· You understand that diversifying your investments in different asset classes and over different equity funds
reduce the volatility of the average annual returns on your investments.
· You understand that a longer holding period reduces the volatility of the average annual return during the
holding period on your investments.
· You prefer a balance between a probable negative annual return and the possibility of higher average annual
returns over a longer period of time.
INVESTMENT PORTFOLIO RISK ACKNOWLEDGMENT
I acknowledge that the descriptions above match the risk profile of my intended investment portfolio. I also
acknowledge that the recommended fund allocation ranges resulting from my investment portfolio risk profile is only
intended as reference to help me assess my investment portfolio’s risk appetite and investment objectives.
WAIVER FOR RISK PORTFOLIO RE-CLASSIFICATION (For Clients Investing in Products with Different Risks)
I waive the results of my investment portfolio risk profile assessment and have decided to invest instead in another
investment fund or a combination investment funds which falls outside of the recommended fund allocation ranges
indicated by my investment portfolio risk profile.
INVESTMENT POLICY STATEMENT
I acknowledge that my fund allocation represents the Investment Policy of my portfolio. I have carefully read and
understood the investment objective(s) of my selected fund(s) as well as the risk(s) that it(they) bear(s).
Conforme:
Applicant/Policy Owner Date

Signature over Printed Name
Reference Number: 51330-202207250214-2-02
FINANCIAL UNDERSTANDING SUMMARY
Dear MA CRISTINA,
Thank you for providing us with relevant information with regards to your financial needs.
Based on your current financial situation, which includes, among others, your personal
monthly gross income of 30,000.00, and after taking into consideration your objectives, risk
profile and priorities, you have selected MyLifeChoice for your Major Investment need.
The details of your insurance coverage and your insurance premium are summarized in your
MyLifeChoice sales illustration.
JAMER, KHRISTIAN DAMIELLE A

30712
51330
639173177054
This document is not intended to be a part of your sales illustration of your application form. This is a
summary of the financial needs that you have provided during assessment by your distributor.

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Dear MA CRISTINA MARIANO,

At year 10 At year 15 At age 65

At 4.00% annual rate of return 149,865 278,303 815,531

At year 1 At year 10 At year 15

At 4.25% annual rate of return 600,000 600,000 600,000

Your plan also comes with the following benefits:

 Care Economy - Php 300 for daily hospitalization benefit

At Policy Year 15,

14,000 20% of your basic

Fund Allocation and Available Funds

Equities Balanced Bonds

Philippine Wealth Equity Philippine Wealth Philippine Wealth Bond

Spanish American AXA Target Date Fund

AXA Target Date Fund

Global Advantage Fund AXA Target Date Fund

Global Dynamic Global Dynamic

i. All premiums are paid in full when due and as scheduled.

Plan Summary (in PHP)

Your plan automatically comes with these additional benefits:

Accidental Death and Disability

You also enjoy these unique offerings:

The value of your Start Up bonus will be vested accordingly:

Vesting Year* Start Up Bonus

JAMER, KHRISTIAN DAMIELLE A

Maximum Sum Insured Annual Premium

MyLifeChoice 90 600,000 20,000.00

Supplements (additional benefits):

Secure - accidental death and dismemberment 70 600,000 0.00

Care Economy - Php 300 for daily 71 300,000 1,651.68

Critical Conditions Rider - critical illnesses 71 600,000 3,798.00

You may also pay your premium in the following modes:

Premiums are paid depending on your chosen premium payment schedule. In

*Additional premium is still subject to premium charges.

ILLUSTRATION OF BENEFITS (in PHP)

1 20,000.00 14,000 8,304 600,000 8,329 600,000 8,895 600,000

Current rates are derived as follows:

3. All payments and benefits shown are in Philippine Peso.

5. The illustrated values are NET of:

Total Lump Sum SUPPLEMENTARY ILLUSTRATION OF BENEFITS (in PHP)

1 20,000.00 8,304 600,000 8,329 600,000 8,895 600,000

TYPE OF INJURY % of SECURE

· Permanent loss of:

· Fractured leg or patella 10%

(1) self-inflicted injury, suicide or any attempt thereat; or

Age Nearest Annual Age Nearest Annual

Group 6 Critical Conditions related to the

TOP 16 COVERED CRITICAL CONDITIONS

TOP 16 COVERED CRITICAL CONDITIONS (continuation)

Those classified as Diplegia (paralysis affecting

*Only Insured aged between 15 and 75 on first

The condition must be present for at least six (6)

General Admission (up to 1,000 days) P300/day P800/day P1,200/day P2,000/day

Intensive Care (up to 120 days) P600/day P1,600/day P2,400/day P4,000/day

Age Nearest Annual Age Nearest Annual

HISTORICAL FUND PERFORMANCE (as of December 31, 2021)

5. Philippine Peso Liquidity Fund is available for fund switching only.

Certified true and correct:

Chief Financial Officer