Sales Illustration

A Personalised Life Insurance Illustration For
MR. SUGUMARAN
Proposed Plan : TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign)
Presented by : PUSHPAKUMAR A/L KANAPATHY
Presented on : 05 Mar 2024
Page 1 of 36
Sales Illustration for TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign) (HT)
Details of Life Assured
Name : MR. SUGUMARAN
Gender : Male Occupation Class : A
Smoker : No Age : 46 Age Next Birthday
Expiry Age : 80 Age Next Birthday
Charges
a) Insurance charges
b) Monthly Policy Fees
c) Fund Management Charges (applied on the overall funds)
d) Switching fees
Plan Term Sum Assured Annual Premium

(RM) (RM)
Basic TokioMarine-iLifeSecure 2 34 15,000 3,360.00
Regular Top-Up Option 34 - 240.00
Rider(s) for Life Assured AcciShield 24 45,000 -

iMediCare 34 Plan 200 -
Saver/Co-Saver Option - Co-Saver 10%
COVID-19 Coverage (Category 3, 4 & 5) Applicable
Sales and Service Tax (SST)* 0.00
Total Premium (including SST, if any): 3,600.00
*Except for Educational Institutions or Religious Organisations registered under any written law, the premium payable for policies owned by an organisation or policies assigned to
an organisation shall be subject to Sales and Service Tax (SST) (if applicable).
Guaranteed Renewable Option
For policy with expiry age prior to age 99 upon policy inception, a one time guaranteed renewable option which allows policy owner to extend the coverage term to age 99 next
birthday is applicable, based on coverage and selected benefits (subject to maximum expiry age of the benefits) of this policy. Please refer to "Guaranteed Renewable Option"
section in this Sales Illustration for the details of this option.
This is an illustration only (E. & O.E)

Prepared By: PUSHPAKUMAR A/L KANAPATHY
Date Printed: 05/03/2024 4:12:32PM Version 7.20.0 Page 2 of 36
Summary of Benefits
Basic Plan
TokioMarine-iLifeSecure 2
(i) Death Benefit^ RM 15,000 plus Fund Value
(ii) TPD Benefit RM 15,000
(iii) Funeral Expenses RM 5,000
(iv) Maturity Benefit Fund Value
Rider(s): Life Assured
iLife Waiver Plus
(i) TPD Benefit Not Applicable
(ii) Critical Illness Benefit Not Applicable
iComprehensive CI
(i) Critical Illness Benefit Not Applicable
iCareGuard Plus
(ii) Admission Events Benefit Not Applicable
(iii) Health Reward Benefit Not Applicable
iCareGuard
(ii) Admission Events Benefit Not Applicable
(iii) Health Reward Benefit Not Applicable

iMedicare with Co-Saver 10%
(i) Room and Board (R&B) Benefit RM 200 per day, up to a maximum of 180 days per disability each policy year.(Require to pay difference
in R&B amount if hospitalized at a R&B rate higher than the eligible R&B.)
(ii) COVID-19 Coverage (Category 3, 4 & 5) Applicable
(iii) Annual Limit RM 1,500,000
(iv) Lifetime Limit No Lifetime Limit
(v) Saver or Co-Saver Co-Saver 10% (You are required to pay 10% of the total eligible claims for any hospital admission,
subject to min RM 500 and max RM 3,000. We shall reimburse the excess.)
(vi) Pregnancy Complications RM 5,000 (for female Life Assured only)
(vii) New Born Reward RM 1,000
iHealth Advance
(i) Deductible Amount prior to attained age Not Applicable

61 next birthday (Before retirement)
(ii) Deductible Amount after attained age 61 Not Applicable

next birthday (After retirement)
iHealth Income
(i) Hospitalization Benefit Not Applicable
(ii) Intensive Care Unit (ICU) Benefit Not Applicable
AcciShield
(i) Accidental Death / TPD Benefit RM 45,000
(ii) Accidental Dismemberment Benefit Applicable
AcciIncome
(i) Total and Temporary Disability Benefit Not Applicable
(ii) Partial and Temporary Disability Benefit Not Applicable
(iii) Double Indemnity Benefit Not Applicable
AcciMed
(i) Medical Reimbursement Benefit Not Applicable
(ii) Corrective Cosmetic Surgery Benefit Not Applicable
(iii) Ambulance Fees Not Applicable
(iv) Prostheses / Wheelchair Allowance Not Applicable
iLife Booster
(i) Death Benefit^ Not Applicable
^Juvenile Lien is applicable for event occurring before age 5 next birthday
Rider(s): Proposer
iPayor Waiver
(i) Death Benefit Not Applicable
(ii) TPD Benefit Not Applicable
(iii) Critical Illness Benefit Not Applicable
Please refer to the Sales Illustration & Product Disclosure Sheet (PDS) for each basic plan / rider for detailed benefits, maximum limit, terms and conditions.

Is investment-linked policy right for you? Are you aware of the costs, benefits and risks?
Name of insurer : Tokio Marine Life Insurance Malaysia Berhad Client's Name : MR. SUGUMARAN
Product name : TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign) Gender : Male
Type of policy : Regular Premium Investment-Linked Insurance Smoker : No
Age : 46 Age Next Birthday
Ratio of fund(s) chosen : 50% in TokioMarine-Enterprise Fund
: 50% in TokioMarine-Managed Fund
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) which you selected Premium paid (a)
Benefits Unallocated Premium allocated

Premium into Unit Fund (b)
● Flexibility to vary your premium amount or coverage if your financial needs change. The coverage
● Choice of funds depending on the level of risk you are comfortable with. To pay:- Used to purchase units in the you will receive
investment fund(s)
● Insurer’s own Sum
Risks expenses assured (f)
Deduct fees & charges:
● You bear the investment risk entirely including poor returns.
● Commission to Insurance charges (c) - to pay Minimum
● If your fund performs poorly or your insurer increases your
agent/financial for your insurance cover amount
charges -
adviser (h) received on
◦ You may lose your insurance cover; or Other charges (d) e.g. policy fees death/
◦ Your fund value may be adversely affected.
disability
● You may need to increase your premiums or reduce the level of Fund management charge (e)
insurance protection to avoid losing your insurance cover.
Note: Upon death,
What you may receive the total of the sum
Other products that could better meet your needs? Non-guaranteed fund value (g) assured and fund
Amount received on value are payable
● Non-participating products: The benefits and coverage period are guaranteed
as long as you pay premiums. surrender/death/maturity
● Participating products: In addition to receiving guaranteed benefits and having
Fees and charges taken out of your investment fund(s) which reduce the amount available
a guaranteed coverage period, you can share in the profits (non-guaranteed)
for investment:-
of the participating life fund.
● Insurance charges, policy fees and fund management charge.

Table 1: TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign) (For illustration purposes only. This may not be the benefits that you will receive)
• The premium amounts shown in column (a) are expected to be sufficient for your unit fund values to support your insurance coverage for the full policy term. However, over time, your unit fund values may be higher or lower than
expected due to various factors, including volatility in investment returns. You will receive annual statements on the latest position of your unit fund values.
• We have chosen two examples of investment returns, i.e. 2% (Scenario X) and 5% (Scenario Y), to show you possible charges, unit fund values and benefits. For actual past investment returns of the unit fund,
please refer to the Fund Fact Sheet.
If your actual unit fund values become lower than expected, you will be notified that your policy is no longer sustainable, and you will be advised on actions you may take to ensure continued insurance coverage for the full
policy term, such as increasing your premium or reducing your insurance cover.
The amount You should only purchase the riders At maturity or upon early cancellation,
you need to you need as the cost of the riders will you may receive this amount
pay be borne by you. Riders are optional (amount is not guaranteed)
Allocated 1 Fund Management Non-Guaranteed Non-Guaranteed Death

Life Insurance Charges (RM) Commission 3
Premium Charges (RM) Sum Fund Value* (RM) Benefits 2
End of Assured Premium (c) Other
Assured (h)
Policy Age at Paid (RM) (b) Charges 1 (e) (g) (RM)
Total Unit- (RM)
Year End of Basic (RM)
(a) Deducting Scenario Scenario (f) Scenario Scenario Scenario Scenario
RM % policy (d) RM %
Year Rider(s) X Y X Y X Y
1 47 3,600.00 2,244.00 62.3 44 1,096 102 14 15 15,000 1,019 1,063 21,019 21,063 1,353 37.58
2 48 3,600.00 2,244.00 62.3 53 1,096 102 28 29 15,000 2,033 2,151 22,033 22,151 1,353 37.58
3 49 3,600.00 2,244.00 62.3 58 1,096 102 42 45 15,000 3,047 3,268 23,047 23,268 849 23.58
4 50 3,600.00 2,916.00 81.0 62 1,096 102 65 70 15,000 4,737 5,110 24,737 25,110 849 23.58
5 51 3,600.00 2,916.00 81.0 67 1,096 102 88 96 15,000 6,429 7,006 26,429 27,006 513 14.25
6 52 3,600.00 2,916.00 81.0 77 1,502 102 106 117 15,000 7,715 8,543 27,715 28,543 513 14.25
7 53 3,600.00 3,420.00 95.0 88 1,502 102 130 146 15,000 9,503 10,638 29,503 30,638 9 0.25
8 54 3,600.00 3,420.00 95.0 93 1,502 102 155 175 15,000 11,294 12,794 31,294 32,794 9 0.25
9 55 3,600.00 3,588.00 99.7 101 1,502 102 181 208 15,000 13,255 15,184 33,255 35,184 9 0.25
10 56 3,600.00 3,588.00 99.7 109 1,502 102 208 241 15,000 15,216 17,643 35,216 37,643 9 0.25
15 61 3,600.00 3,588.00 99.7 182 1,934 102 312 392 15,000 22,817 28,658 42,817 48,658 9 0.25
20 66 3,600.00 3,588.00 99.7 279 2,956 102 342 487 15,000 24,995 35,553 44,995 55,553 9 0.25
30 76 3,600.00 3,588.00 99.7 571 6,400 102 34 313 15,000 2,491 22,864 22,491 42,864 9 0.25
34 80 3,600.00 3,588.00 99.7 838 9,083 102 - - 15,000 - - - - 9 0.25
Total 4 5,682 4.64

Projected Investment Return Projected Sustainability Years #
Scenario X% per annum 30 years (up to Age 76 Next Birthday)
Scenario Y% per annum 33 years (up to Age 79 Next Birthday)

#
This table above shows the projected number of years before your policy is expected to lapse due to insufficient total fund value, subject to the provision of No Lapse Guarantee.
1 The illustrated insurance and other charges are not guaranteed and may be varied from time to time by giving 90 days notice to policy owners, for example, charges for medical riders may increase
due to rising medical costs.

2
The death benefit payable is the total of the sum assured and fund value.
3
Amount received by the intermediary for the sale of this policy and services that the intermediary will provide to you for the duration of your policy. Please refer to the service guide for further details.
4 This is the total amount of commission expected to be paid over the duration of the policy and is expressed as a percentage of total premium payable as illustrated in the table above.
*After deducting tax and fund management charge.

Note: Fund Value is shown zero as it is insufficient for applicable charges of the policy, such as insurance charges and policy fee. In such event and subject to its terms and conditions, the policy will
remain in-force by No Lapse Guarantee provision.
Where the non-guaranteed portion becomes "-", it means that your unit fund is no longer able to pay for your insurance cover and your policy will be terminated thereafter, unless your No Lapse
Guarantee is still active.
The illustration above is to show you the possible movements to the value of your fund under annual return of 2% (Scenario X) and 5% (Scenario Y) respectively. However, based on our estimation, your
policy will have sufficient fund value to sustain until the end of the coverage term.
We would like to highlight that our estimation of your fund value's future outcomes are based on the following:
1. You pay your required premium by its due date.
2. You do not perform any policy alterations after inception of your policy.
3. The fund you select will continue to perform steadily as per our estimation.
4. No upward revision in non-guaranteed charges of your policy, such as insurance charges and policy fees.

Table 2: 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.
Premium Paid Sum Assured Coverage Period

Riders Type
(RM) (RM) (Years)
AcciShield Unit Deducting Rider Not Applicable 45,000 24
iMediCare Unit Deducting Rider Not Applicable Plan 200 34

Saver/Co-Saver Option Co-Saver 10% -

Table 3: Unit-Deducting Riders (For illustration purposes only)
Life Insurance Charges (Non-Guaranteed)
End
Assured
of
Age at iLife Waiver iPayor Waiver iMedicare
5*
iHealth iHealth iComprehensive iCareGuard iCareGuard AcciShield AcciMed AcciIncome iLife Booster
Policy 5
End of Plus Advance Income CI Plus
Year
Year
1 47 - - 1,035 - - - - - 61 - - -
2 48 - - 1,035 - - - - - 61 - - -
3 49 - - 1,035 - - - - - 61 - - -
4 50 - - 1,035 - - - - - 61 - - -
5 51 - - 1,035 - - - - - 61 - - -
6 52 - - 1,441 - - - - - 61 - - -
7 53 - - 1,441 - - - - - 61 - - -
8 54 - - 1,441 - - - - - 61 - - -
9 55 - - 1,441 - - - - - 61 - - -
10 56 - - 1,441 - - - - - 61 - - -
15 61 - - 1,873 - - - - - 61 - - -
20 66 - - 2,895 - - - - - 61 - - -
30 76 - - 6,400 - - - - - - - - -
34 80 - - 9,083 - - - - - - - - -
5
Insurance charge of optional benefits will be included if selected.
* For Pre-birth policy, the actual charge of iMediCare rider will only commence based on effective date of rider, date of birth of the Life Assured, or reinstatement date, whichever is later.
Note: Where "-" is displayed indicates that the rider has expired or is not selected.

This plan comes with Guaranteed Renewable Option, where you have a one-time option prior to the maturity of the original contractual term to extend your coverage
from Age 80 to Age 99 (refer as extended coverage term), provided that your policy remains in force at the time of exercising this option.
A) How can you exercise this extension?

i) We will send a ONE TIME Guaranteed Renewable Option notification to you 90 days before the maturity of the original contractual term.
ii) You are required to send back the notification to us at least 30 days prior to the maturity of the original contractual term to notify us if you want to exercise this
option. Upon receiving your confirmation notification to exercise the option, your policy’s coverage will be extended to Age 99, subject to your policy’s fund
sufficiency.
iii) If we do not receive your response 30 days prior to the maturity of the original contractual term, we will treat it as a decision of NOT exercising the option and
your policy will mature on the original maturity date.
iv) This option can only be exercised once and will be expired if it is not exercised within the timeframe as mentioned above. The Company will not impose any
charge if you decided not to exercise this option. However, bear in mind that you will no longer be eligible for the extension after the expiry of the option and you
will loss in opportunity for longer coverage at old age.
B) What will happen after you exercise the option?

i) The coverage under your policy will be extended to Age 99, subject to your policy’s fund sufficiency.
ii) During the extended coverage term, the benefit entitlement under your policy will remain unchanged, subject to the terms and conditions of each benefit.
However, any benefit entitlement expired prior to the original maturity date of your basic plan will NOT be extended.
iii) To sustain your policy throughout the extended coverage term, additional premium amount may be required upon exercising this option.
iv) Please refer to your policy contract for more information of this option.
C) What are the additional premium amount that you need to pay upon exercising this option?
To sustain your policy throughout the extended coverage term, there are three (3) options of additional premium payable, as shown in the table below:
Alternative Coverage Duration Premium Payment Duration Estimated Annual Premium Required (Excluding SST, if any)
Basic Premium: RM 3,360

#1 Coverage up to Age 80 Age 46 until Age 79 Regular Top-Up: RM 240
Total Premium: RM 3,600

Coverage up to Age 80 + extension up Age 46 until Age 79 Regular Top-Up: RM 240
#2
to Age 99* Total Premium: RM 3,600
Age 80 until Age 98 Regular Top-Up: RM 17,760

#3 Coverage up to Age 99^ Age 46 until Age 98 Regular Top-Up: RM 240
This is based on our estimation of your fund value’s future outcome. More additional premiums may be required if the future outcome is worse than our current
expectations. You may refer to Important Notes below for more information and Terms & Conditions of the options.
*This is only applicable if you decide to exercise Guaranteed Renewable Option.
^This is based on a standard live.
IMPORTANT NOTES
1. The fund value of your investment-linked policy is not guaranteed and is affected by many factors. Hence, we would like to highlight that our suggested options
above and our estimated future outcome of your fund value are based on the following:
● The illustration above is based on the policy information in this quotation.
● You pay all your insurance premium by its due date.
● No financial alteration to your policy, such as partial withdrawal, increasing your insurance coverage or changes to fund(s) selection during policy term.
● The underlying fund(s) selected by you will continue to perform steadily as per our expectation. This does not allow for potential volatility over the short term that
could result in potential sharp movements of the underlying fund(s).
● No upward revision on non-guaranteed charges of your policy, such as cost of insurance and policy fee.
2. Actual return of the fund(s) selected by you is not guaranteed.
3. Different fund(s) have different levels of volatility and growth, hence changes to your fund selection will also impact sufficiency of your fund value in the long run.
4. As such, the sufficiency of your fund value could potentially be different from our estimation if there are material or unexpected deviations of actual experience
with our estimations.
5. The quoted Regular Top-Up has allocation rate of 95%. The unallocated premium of 5% is used to meet operational expenses and distribution cost, including the
3.75% commission payable to the agency force / sales intermediaries.
6. Due to the non-guaranteed nature of the investment-linked plan, the updated quoted premium will be disclosed in the annual sustainability notice at least once
every five years.
7. Insurance charges and policy fees will continue to be deducted from your fund value so that you can enjoy uninterrupted insurance cover even if your policy is in
premium holiday status. In the event your fund balance reduces to zero, your insurance coverage will no longer be in effect and your policy will be terminated
thereafter.

Illustration of Expected Benefits
AcciShield
Descriptions (i) This is a yearly renewable rider attachable to an Investment-Linked Plan only.
(ii) This investment-linked accident rider has no right to share in the surplus of Our life insurance fund nor will any surrender value be
paid in respect of it.
(iii) The aggregate of all percentages payable in respect of any one accident within shall not exceed 100% of the Rider Sum Assured.
(iv) You are encouraged to read the full list of exclusions listed in the policy document
If the Life Assured prior to attaining age of 70 years, sustains bodily injury affected directly and independently of all other causes through external, violent and
accidental means, the following benefits shall be payable:
Schedule of Indemnities
Accidental Injuries Percentage Benefit Payable

Payable (%) (RM)
1 Loss of Life 100 45,000.00

2 Loss of two or more Limbs by amputation at or above Wrists or Ankles 100 45,000.00
3 Total and irrecoverable loss of all sight in both eye 100 45,000.00
4 Total and irrecoverable loss of all sight in one eye and loss of one Limb by amputation at or above Wrist or Ankle 100 45,000.00
5 Loss of one Limb by amputation at or above Wrist or Ankle 50 22,500.00
6 Total and irrecoverable loss of all sight in one eye 50 22,500.00
7 Total and permanent loss of arm from shoulder 100 45,000.00
8 Total and permanent loss of forearm 100 45,000.00
9 Total and permanent loss of thigh 100 45,000.00
10 Total and permanent loss of leg at or below knee 100 45,000.00
11 Total and permanent loss of hearing in both ears 75 33,750.00
12 Total and permanent loss of speech 50 22,500.00
13 Total and permanent loss of hearing in one ear 15 6,750.00
14 Total and permanent loss of thumb
- both phalanges 25 11,250.00
- one phalanx 10 4,500.00
15 Total and permanent loss of index finger
- three phalanges 15 6,750.00
- two phalanges 8 3,600.00
- one phalanx 4 1,800.00
16 Total and permanent loss of middle finger
- one phalanx 2 900.00
17 Total and permanent loss of ring finger

18 Total and permanent loss of little finger
19 Total and permanent loss of the toes
- all on one foot 15 6,750.00
- great, both phalanges 5 2,250.00
- great, one phalanx 2 900.00
- other than great, if more than one toe lost each 1 450.00

PRODUCT DISCLOSURE SHEET
TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign)
Read this Product Disclosure Sheet before you decide to take up the TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign). Be sure to also read the general terms and conditions.
1. What is this product about?

This Investment-Linked Insurance Policy (ILP) offers a combination of insurance protection and investment. It pays a lump sum death benefit (i.e. the basic Sum Assured plus
Fund Value and a fixed amount of Funeral Expenses) if the Life Assured dies during the term of the policy. The amount of Funeral Expenses will be doubled if the death is
caused by accidental cause.
Upon Life Assured suffering from Total and Permanent Disability (TPD) prior to age 70, a TPD benefit (equivalent to basic Sum Assured) will be payable in one lump sum and
the policy shall remain in-force. Insurance charges of other eligible in-force benefit(s), rider(s) and policy fees shall be deducted accordingly until the termination of each
respective rider or policy, whichever is earlier.
For policy with expiry age prior to age 99 upon policy inception, a one time guaranteed renewable option which allows policy owner to extend the coverage term to age 99
next birthday is applicable, based on coverage and selected benefits (subject to maximum expiry age of the benefits) of this policy. Please refer to "Guaranteed Renewable
Option" section at the end of this PDS for the details of this option.
The fund value of this Investment-linked Product depends on the price of the underlying units, which in turn depends on the performance of your chosen investment-linked
fund(s).There are 6 funds available for selection, each with different investment objectives and risk profiles:
(i) TokioMarine-Enterprise Fund
Aim to maximize returns over medium to long term by investing in quality shares listed on Bursa Malaysia and foreign stock exchange.
(ii) TokioMarine-Bond Fund
Aims to provide medium to long term accumulation of capital, by investing in quality fixed income securities.
(iii) TokioMarine-Managed Fund
An actively managed fund that seeks to maximize returns over medium to long term. This is achieved by investing in shares and fixed income securities through
TokioMarine-Enterprise Fund and TokioMarine-Bond Fund and in any other TokioMarine or third party funds that may become available in the future.
(iv) TokioMarine-Orient Fund
Aims to achieve medium to long term capital appreciation by investing in a single collective investment scheme that invest selectively in securities such as equities and
linked bonds, either listed or to be listed, of the Asian (non-Japanese) equities markets.
(v) TokioMarine-Dana Ikhtiar

Aims to provide a balanced mix of income and potential for capital growth by investing in stocks listed on the Bursa Malaysia or on any other stock exchange,unlisted
stocks and Islamic debt securities and other non-interest bearing assets acceptable under principles of Shariah. However, this policy itself is not a Shariah-compliant
product.
(vi) TokioMarine-Luxury Fund
To invest in RHB Leisure, Lifestyle & Luxury Fund which derives potential long term capital appreciation by investing in equities and equity related securities issued by
companies that provide goods and service in the leisure, lifestyle and luxury market, or in any other collective investment schemes which share similar investment
objectives.
Please refer to the fund fact sheet(s) for further information of the investment-linked funds.
This policy provides the following Premium Top-Up options:

(i) Single Premium Top-Up
An option to allow You to pay a one time premium to enhance Your Fund Value.
(ii) Regular Top-Up
An option to allow you to specify an amount of premium to be payable with the same frequency as the basic premium to enhance Your Fund Value.
This policy may be surrendered at any time after its inception. The surrender value is not guaranteed and depends on the performance of your chosen fund(s).

2. What are the covers / benefits provided ?
This policy covers:
(i) Death* - RM 15,000 (i.e. basic sum assured) plus the Fund Value
(ii) TPD** - RM 15,000 (i.e. Basic Sum Assured)
(iii) Funeral Expenses*** - RM 5,000
(iv) Surrender - Fund Value
(v) Maturity Benefit - Fund Value.
Notes:
- *For pre-birth cases, if the death of the Life Assured/Fetus/Child occurs during pre-birth period up to 30 days after birth, the benefit
payable by Us is subject to either Fund Value or total premiums paid, whichever is higher.
- ** TPD benefit will cease at the policy anniversary where the Life Assured has attained the age of 70 years.
- Upon claim of TPD, the Policy shall continue to be in force and insurance charges of other in force benefit(s) shall be deducted accordingly
until the expiry date of the respective rider(s) or until the termination of the Policy, whichever is earlier.
- The maximum sum assured of TPD is subject to RM 8 million per life limit under all policies issued by us on the same life.
- ***The Funeral Expenses is payable upon the death of Life Assured who is aged more than 30 days and the amount payable will be
doubled if the death of the Life Assured is due to accidental causes.
No Lapse Guarantee
The Insurance Charges and Policy Fee for the first five (5) policy years will be deferred so that this policy will not lapse in the event the fund value is insufficient to cover all
the Insurance Charges and Policy Fee when due, provided all premiums due (including top-ups, if any) are paid within the grace period with no partial withdrawal and no
decrease in premium is made during this period and additional premium are paid for any additional benefits attached to the policy after the Policy Issue Date.
This policy is also attached with the following rider(s):

AcciShield
iMediCare (Plan 200) with Co-Saver 10%
Funds chosen:
Funds(s) Fund Allocation (%)
TokioMarine-Enterprise Fund 50
TokioMarine-Managed Fund 50
Reminder: Please read the sales illustration which includes the product benefits and objectives of the investment-linked fund. It is important to select a plan or a
combination of funds that suits your financial goal and risk profile.
If the Life Assured is below age of 5 years old, the following reduced Basic Sum Assured is payable on death :-
Age at Death Percentage of Sum Assured
30 days to age 1 next birthday 20%

Age 2 next birthday 40%
Age 5 next birthday and above 100%
Duration: Up to occurrence of death of Life Assured, surrender, maturity of the Policy or when the Fund Value of Investment-Linked Funds is insufficient to pay for all
the charges due, whichever is earlier.

3. How much premium* do I have to pay?
The basic premium that you have to pay and the policy terms may vary depending on our underwriting requirements :
The estimated total basic premium that you have to pay: RM 3,360.00 annually
RM 1,680.00 semi-annually
RM 840.00 quarterly
RM 280.00 monthly
Basic premium duration: until age 80 next birthday.
We allocate a portion of the premium paid to purchase units in the investment-linked fund(s) that you have chosen. Any unallocated amount will be used to pay
commissions to agent and our other expenses. You are advised to refer to the allocation rates given in the sales illustration.
* Please refer to page 2 of this sales illustration for estimated total premium that you have to pay.
4. What are the fees and charges that I have to pay?
- The insurance charges are deducted monthly from your Fund Value through unit deduction. The insurance charges will increase as the age increases.
- Monthly policy fees shall be due on the commencement date and each subsequent monthly anniversary while the policy remains in-force for an amount of RM 8.50
for all modes of payment.
- Except for Educational Institutions or Religious Organisations registered under any written law, the premium payable for policies owned by an organisation or
policies assigned to an organisation shall be subject to Sales and Service Tax (SST) (if applicable).
- Fund Management Charge (% of fund value per annum)

Funds Maximum (% p.a. of NAV of the fund) Current (% p.a. of NAV of the fund)
TokioMarine-Enterprise Fund 1.50 1.50

TokioMarine-Bond Fund 1.00 0.50
TokioMarine-Dana Ikhtiar 1.50 1.50
TokioMarine-Managed Fund 1.50 1.20
TokioMarine-Orient Fund 1.50 1.50
TokioMarine-Luxury Fund 1.50 1.50
- Switching fees: Not applicable
This is an investment-linked insurance policy where the insurance charges will increase according to the age. According to the benefits that you have purchased, the total
insurance charges will be more than the premium paid from Policy Year 21 onwards.
This is applicable to standard cases only and subject to future revision of insurance charges.
Note:
Details of all fees and charges for the ILP are given in sales illustration. All fees and charges are non-guaranteed and may be revised by giving at least ninety (90) days prior
written notice to you. Any revision made will only take effect on the next Policy Anniversary.

5. What are some of the key terms and conditions that I should be aware of?
- Importance of disclosure - you must disclose all material facts such as medical condition (if any), and state your age correctly.
- Cooling-Off Period - the policy may be cancelled by written request and by returning to us the policy document within fifteen (15) days after the delivery of the policy to
you. Upon cancellation of the policy, we shall refund you the sum of any unallocated premium, the value of any units allocated at the unit price at the next valuation
date and any insurance charges and fees which have been deducted, less any medical expenses incurred by us (if any) in issuing the policy and your policy shall be
cancelled accordingly.
- Fund Value - the Fund Value of the ILP depends on the performance of the investment-linked funds selected. The higher the level of insurance coverage selected, the
more units will be deducted to pay for the insurance charges and the fewer units will remain to accumulate Fund Values under your policy.
- Policy lapse - the ILP will lapse when the Fund Value is insufficient to pay for the insurance and other charges and No Lapse Guarantee is forfeited.
- Insurance charge - the insurance charges are not guaranteed. We reserve the right to revise the insurance charges applicable at the time of renewal by giving you at
least ninety (90) days prior written notice. Any revision made will only take effect in the next Policy Anniversary.
- Claim notification - written notification must be given to us within sixty (60) days from the date of death and six (6) months from the date of TPD.
- Replacement of Policy - replacement of your policy with a new one may not be advantageous. The new terms and conditions of the new policy will be applied if the
current health status is less favourable to the new insurer. If you intend to do so, we recommend that you consult Us/ your agent before making your final decision.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under the policy.
6. What are the major exclusion under this policy?
- Death Benefit
- suicide within 1 year from the Issue Date or Reinstatement Date of the policy, whichever is later.
- Total and Permanent Disability (TPD) Benefit

- attempted suicide (whether sane or insane);
- self-inflicted injury or injury sustained while under the influence of drugs or alcohol;
- injury sustained while engaging in hazardous speed or endurance contest;
- any airborne activities (except when travelling as a fare paying passenger or a crew member of an aircraft operated by an international airline and licensed for
passenger service over a regular scheduled commercial route);
- submarine voyage;
- military, police, naval or aeronautical service;
- violation of law or resistance to arrest;
- any form of disability which existed at the Issue Date or Reinstatement Date of the policy, whichever is later;
- war declared or undeclared, revolution, strikes, terrorist activities or participation in riot and civil commotion; or
- Pre-Existing Conditions which existed prior to the Issue Date or Reinstatement Date of the policy, whichever is later.
- Pre-Birth Death
- Elective termination of pregnancy other than certified medical reasons where certified medical reasons here shall mean a recommendation from a specialist that
the pregnancy will endanger the life of the mother;
- Surrogacy; either being the surrogate mother or engaging a surrogate mother;
- Death, which arises as a direct result of an intentional or deliberate act, or omission of the Policy Owner, the parents of the Fetus or Child, or someone who lives
with or supervises the Child;
- Fetal death less than twelve (12) weeks from conception; or
- Any claim which is a direct result of drug or alcohol abuse and intoxication.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under the policy.
7. Can I cancel my policy?

Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. If
you find that the fund(s) that you have chosen is no longer appropriate, you have the flexibility to switch the fund(s). The cash amount that we will pay you when
you cancel the policy before the maturity period will be less than the total amount of premium that you have paid unless the chosen fund(s) has performed very
well.

8. What do I need to do if there are changes to my contact details?
It is important that you inform Us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
9. Where can I get further information?

Should you require additional information about this product, please visit our website at www.tokiomarine.com.
If you have any enquiries, please contact Us at:
Tokio Marine Life Insurance Malaysia Bhd.

Ground Floor, Menara Tokio Marine Life
189, Jalan Tun Razak,
50400 Kuala Lumpur.
General Line : 03-2059 6188
Fax : 03-2162 8068
Customer Care Hotline : 03-2603 3999
E-mail : customercare@tokiomarinelife.com.my
10. Other similar types of cover available.
Please ask Us/ your agent for other similar types of plans offered by Us.
IMPORTANT NOTE:
THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUST.YOU MUST
EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE
PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUMS AS 'TOP UP'. RETURN
ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED.
This insurance plan is underwritten by Tokio Marine Life Insurance Malaysia Berhad [199801001430 (457556-X)], a Company licensed under the Financial Services Act 2013 and regulated
by Bank Negara Malaysia.
The information provided in this disclosure sheet is valid as at 05/03/2024 .

This plan comes with Guaranteed Renewable Option, where you have a one-time option prior to the maturity of the original contractual term to extend your coverage
from Age 80 to Age 99 (refer as extended coverage term), provided that your policy remains in force at the time of exercising this option.
A) How can you exercise this extension?

i) We will send a ONE TIME Guaranteed Renewable Option notification to you 90 days before the maturity of the original contractual term.
ii) You are required to send back the notification to us at least 30 days prior to the maturity of the original contractual term to notify us if you want to exercise this
option. Upon receiving your confirmation notification to exercise the option, your policy’s coverage will be extended to Age 99, subject to your policy’s fund
sufficiency.
iii) If we do not receive your response 30 days prior to the maturity of the original contractual term, we will treat it as a decision of NOT exercising the option and
your policy will mature on the original maturity date.
iv) This option can only be exercised once and will be expired if it is not exercised within the timeframe as mentioned above. The Company will not impose any
charge if you decided not to exercise this option. However, bear in mind that you will no longer be eligible for the extension after the expiry of the option and you
will loss in opportunity for longer coverage at old age.
B) What will happen after you exercise the option?

i) The coverage under your policy will be extended to Age 99, subject to your policy’s fund sufficiency.
ii) During the extended coverage term, the benefit entitlement under your policy will remain unchanged, subject to the terms and conditions of each benefit.
However, any benefit entitlement expired prior to the original maturity date of your basic plan will NOT be extended.
iii) To sustain your policy throughout the extended coverage term, additional premium amount may be required upon exercising this option.
iv) Please refer to your policy contract for more information of this option.
C) What are the additional premium amount that you need to pay upon exercising this option?
To sustain your policy throughout the extended coverage term, there are three (3) options of additional premium payable, as shown in the table below:
Alternative Coverage Duration Premium Payment Duration Estimated Annual Premium Required (Excluding SST, if any)

#1 Coverage up to Age 80 Age 46 until Age 79 Regular Top-Up: RM 240

Coverage up to Age 80 + extension up Age 46 until Age 79 Regular Top-Up: RM 240
#2
to Age 99* Total Premium: RM 3,600
Age 80 until Age 98 Regular Top-Up: RM 17,760

#3 Coverage up to Age 99^ Age 46 until Age 98 Regular Top-Up: RM 240
This is based on our estimation of your fund value’s future outcome. More additional premiums may be required if the future outcome is worse than our current
expectations. You may refer to Important Notes below for more information and Terms & Conditions of the options.
*This is only applicable if you decide to exercise Guaranteed Renewable Option.
^This is based on a standard live.
IMPORTANT NOTES
1. The fund value of your investment-linked policy is not guaranteed and is affected by many factors. Hence, we would like to highlight that our suggested options
above and our estimated future outcome of your fund value are based on the following:
● The illustration above is based on the policy information in this quotation.
● You pay all your insurance premium by its due date.
● No financial alteration to your policy, such as partial withdrawal, increasing your insurance coverage or changes to fund(s) selection during policy term.
● The underlying fund(s) selected by you will continue to perform steadily as per our expectation. This does not allow for potential volatility over the short term that
could result in potential sharp movements of the underlying fund(s).
● No upward revision on non-guaranteed charges of your policy, such as cost of insurance and policy fee.
2. Actual return of the fund(s) selected by you is not guaranteed.
3. Different fund(s) have different levels of volatility and growth, hence changes to your fund selection will also impact sufficiency of your fund value in the long run.
4. As such, the sufficiency of your fund value could potentially be different from our estimation if there are material or unexpected deviations of actual experience
with our estimations.
5. The quoted Regular Top-Up has allocation rate of 95%. The unallocated premium of 5% is used to meet operational expenses and distribution cost, including the
3.75% commission payable to the agency force / sales intermediaries.
6. Due to the non-guaranteed nature of the investment-linked plan, the updated quoted premium will be disclosed in the annual sustainability notice at least once
every five years.
7. Insurance charges and policy fees will continue to be deducted from your fund value so that you can enjoy uninterrupted insurance cover even if your policy is in
premium holiday status. In the event your fund balance reduces to zero, your insurance coverage will no longer be in effect and your policy will be terminated
thereafter.

iMediCare
Read this Product Disclosure Sheet before you decide to take up the iMediCare. Be sure to also read the general terms and conditions.
1. What is this Product about ?
This is a unit deducting rider that provides comprehensive medical coverage in the event of hospitalization, surgery and outpatient treatment incurred by the Life Assured during
the term of the rider or up to the Life Assured's attainment of age 80.
2. What are the covers / benefits provided ?

You have selected plans below:
Plan Type : Plan 200
Saver/Co-Saver Option : Co-Saver 10%
COVID-19 Coverage (Category 3, 4 & 5) : Applicable
Details of the Benefits:
Schedule of Benefits (in Ringgit Malaysia)
No. Benefits Plan 100 Plan 150 Plan 200 Plan 300 Plan 400 Plan 600
Hospital & Surgical Benefits

1 Hospital Room & Board (R&B) (per day; max
100 150 200 300 400 600
180 days per Disability, each Rider year)
2 Intensive Care Unit

(max 180 days per Disability, each Rider year) As Charged
3 Hospital Supplies & Services As Charged
4 Surgical Fees As Charged
5 Operating Theatre Fee As Charged
6 Anaesthetist Fee As Charged
7 In Hospital Physician's Visit

As Charged
(max 2 visits per day)
8 Organ Transplant
As Charged
(claimable once per lifetime)
9 Ambulance Fees As Charged
10 Medical Report Fee

50
(per Disability)
11 Lodger Benefit
150
(per day; max 180 days per Disability)
Outpatient Treatment Benefits
12 Day Surgery Benefit As Charged

13 Pre-hospitalization Consultation
(max 90 days prior to hospitalization - max of
As Charged
one time specialist or general practitioner
consultation)
14 Pre-hospitalization Diagnostic Test
As Charged
(max 90 days prior to Hospitalization)
15 Pre-hospitalization Treatment
500
(max 90 days prior to Hospitalization)
16 Post-hospitalization treatment
As Charged
(max 180 days after Hospitalization)
17 Outpatient Infectious Disease
Up to 1,000 Up to 1,500 Up to 3,000
(Dengue, Zika Virus; each rider year)

Schedule of Benefits (in Ringgit Malaysia)
No. Benefits Plan 100 Plan 150 Plan 200 Plan 300 Plan 400 Plan 600
Outpatient Treatment Benefits
As Charged
18 Outpatient Kidney Dialysis
(include consultation, examination tests and pre-scribed take home drugs, except for any supplements)
19 Outpatient Cancer Treatment

(radiotherapy, chemotherapy, targeted
therapy, hormonal therapy, immunotherapy; As Charged
NOT claimable if Alternative Cancer (includes consultation, examination tests and prescribed take-home drugs)
Treatment has been claimed within 12
months from on any cancer diagnosed)
20 Alternative Cancer Treatment (in lieu of

radiotherapy, chemotherapy, targeted Not Applicable 2,000 3,000 4,000 5,000 6,000
therapy, hormonal therapy and
immunotherapy; NOT claimable if
in-patient or Outpatient Cancer Treatment
has been claimed within 12 months on any (claimable up to 2 times per life in a lump sum per month, payable for 12 months)
cancer diagnosed)
21 Home Nursing Care

Not Applicable As Charged
(max 150 days, each Rider year)
22 Emergency Accidental Outpatient Treatment

As Charged
(within 48 hours from the accident)
Other Benefits
23 Government Hospital Daily Cash
50 100 200
(max 150 days per Disability)
24 Pregnancy Complication Benefit

5,000
(for female Life Assured, claimable once Not Applicable
(Claimable once per lifetime)
per lifetime)
25 New Born Reward 500 to own

1000 to own a policy
Not Applicable a policy
(for both male & female Life Assured)
(claimable once per lifetime in a lump sum, subject to 9 months waiting period)
26 Expert Medical Opinion (EMO) Available to all plans
27 Emergency Assistance Service & Benefits Available to all plans
28 No Claim Bonus Increment 10% of initial R&B for every 2 years cycle of no claim (Up to a maximum of
150% of the initial R&B entitlement)
• Non-Saver (base plan); or
Saver or Co-Saver • Saver 500; or
• Co-Saver 10% at 10% of eligible claim, subject to a minimum of RM 500 and capped at RM 3,000.
Both Saver 500 and Co-Saver 10% apply to Hospital and Surgical Benefits (item no. 1 to 11).
Overall Annual Limit (applicable to benefits 1 to 23) 650,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000
Lifetime Limit (applicable to benefits 1 to 23) Unlimited Lifetime Limit
Note:
*The Pregnancy Complication Benefit covered under this rider:
● Abruptio Placentae ● Acute Fatty Liver of Pregnancy ● Amniotic Fluid Embolism
● Disseminated Intravascular Coagulation ● Death of Foetus ● Eclampsia
● Ectopic Pregnancy ● Hydatidiform Mole/ Molar Pregnancy ● Late Miscarriage
● Placenta Accreta ● Placenta Increta/ Percreta ● Postpartum Haemorrhage requiring Hysterectomy
● Pulmonary Embolism of Pregnancy ● Uterine Rupture ● Vasa Previa
This list is non-exhaustive. Please refer to the Schedule of Benefit in the policy contract for complete lists of benefits under this rider.
Coverage duration: Up to occurrence of Death of Life Assured, termination, cancellation of this rider/basic plan or expiry of this rider term, whichever is earlier.
3. How much premium do I have to pay?

This is a unit deducting rider. Please refer to sales illustration for details.

4. What are the fees and charges that I have to pay ?
The insurance charges are deducted monthly from your Fund Value. The Insurance Charges will increase as your age increases. Details of insurance charges are given in the sales illustration.
Notes:
- The insurance charges in sales illustration are applicable to standard risks only.
- The Insurance Charges for this rider is not guaranteed and may increase upon renewal. We reserve the right to revise the insurance charges by giving at least 90 days prior
written notice. However, such changes will only take effective on next Policy Anniversary.
- Importance of disclosure - you must disclose all material facts such as medical condition (if any) and state your age correctly.
- Cooling-Off Period - you may cancel this rider by giving us a written request and by returning this rider's contract to us within 15 days after the delivery of this rider to you. We
shall refund you the full insurance charges for this rider less any medical fee incurred.
- Waiting period
- Any illness including pregnancy complications other than Specified Illnesses: 30 days based on the rider effective date, date of birth of the Life Assured or reinstatement
date, whichever is later.
- Specified Illnesses: 120 days based on the rider effective date or reinstatement date, whichever is later.
- New Born Reward: 9 months based on the rider effective date or reinstatement date, whichever is later.
- Fund Value - the Fund Value of the ILP depends on the performance of the investment-linked funds selected. The higher the level of insurance coverage selected, the more
units will be deducted to pay for the insurance charges and the fewer units will remain to accumulate Fund Values under your policy.
- Policy lapse - the rider will terminate if the basic plan lapses due to insufficient fund value to pay for the insurance and other charges and No Lapse Guarantee is forfeited.
- Insurance charge - the insurance charges are not guaranteed. We reserve the right to revise the insurance charges applicable at the time of renewal by giving you at least
ninety (90) days prior written notice. Any revision made will only take effect on the next Policy Anniversary.
- If Saver 500 is applicable, you must first pay a fixed stated amount out of the total eligible claims for any admission to a hospital.
- If Co-Saver 10% is applicable, you must first pay 10% of the total eligible claims for any admission to a hospital, subject to a minimum of RM 500 and maximum of RM 3,000.
- Residence Overseas - No benefit whatsoever shall be payable for any medcial treatment received by the Life Assured outside Malaysia if the Life Assured resides or travels
outside Malaysia apart from Singapore and Brunei for more than 120 consecutive days from the day the Life Assured leaves Malaysia.
- If the Life Assured is hospitalized at a publised Room & Board rate which is higher than his/ her eligible benefit, the Life Assured shall bear the difference in the hospital
room & board charges for any one disability.
This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this policy.
6. What are the major exclusions under this rider?

No benefit shall be payable if the hospitalisation, surgery or charges are caused directly or indirectly, wholly or partly by:
- Pre-existing Conditions;
- Specified Illnesses occurring during the first 120 days of continuous cover;
- Any medical or physical conditions arising within the first 30 days of the effective date of rider, date of birth of the Life Assured or date of reinstatement, whichever is latest
except for accidental injuries;
- Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the
use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof;
- Dental conditions including Dental Treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance;
- Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae AIDS (Acquired Immune Deficiency Syndrome) or ARC
(AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law, except for COVID-19 category 3, 4, and 5 (according to the
guidance of the Ministry of Health Malaysia);
- Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions;
- Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical and chemical contraceptive
methods of birth control or treatment pertaining to infertility, with exceptions to the benefits as provided under the Pregnancy Complications Benefit. Erectile
dysfunction and tests or treatment related to impotence or sterilization;
- Hospitalization primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental to Treatment or
diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations
carried out by a Physician, and treatments specifically for weight reduction or gain;
- Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
- War or Any act of War, declared or undeclared, criminal or terrorist activities, active duty in Any armed forces, direct participation in strikes, riots and civil commotion or
insurrection;
- Ionizing radiation or contamination by radioactivity from Any nuclear fuel or nuclear waste from process of nuclear fission or from Any nuclear weapons material;
- Expenses incurred for donation of Any body organ by an Life Assured and costs of acquisition of the organ including all costs incurred by the donor during
organ transplant and its complications;
- Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as Treatment,medical Service or
supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma
therapy or other alternative treatment, with exceptions to the benefit as provided under the Alternative Cancer Treatment;
- Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured and
Disabilities arising out of duties of employment or profession that is covered under a Workman Compensation Insurance contract;
- Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations);
- Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical
items;
- Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing
apparatus, winter sports, professional sports and illegal activities;
- Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes;
- Expenses incurred for sex changes.
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this rider.

7. Can I cancel my rider ?
You may cancel your rider by giving a written notice to Us. Upon cancellation, no surrender value is payable and coverage will be provided until the day before the next
monthly insurance charge of this rider is due.
8. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
9. Where can I get futher information?

If you have any enquiries, please contact Us at

50400 Kuala Lumpur.
Fax : 03-2162 8068
10. Other similar types of cover available

Please ask us/ your agent for other similar types of plans offered by us.
IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH YOUR
AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.
This insurance plan is underwritten by Tokio Marine Life Insurance Malaysia Berhad [199801001430 (457556-X)], a Company licensed under the Financial Services Act 2013 and
regulated by Bank Negara Malaysia.
The Information Provided in this disclosure sheet is valid as 05/03/2024

AcciShield
Read this Product Disclosure Sheet before you decide to take up the AcciShield. Be sure to also read the general terms and conditions.
1. What is this product about?

This is a unit deducting rider that provides compensation up to Life Assured's attainment age 70 in the event of Accidental Injuries (i.e dismemberment, TPD or death) of Life
Assured which is caused solely by violent, accidental, external and visible events. A specific percentage of rider Sum Assured based on the Accidental Injuries sustained will
be payable in one lump sum.
You may enhance the benefit of this rider by attach any of the 2 optional riders of this rider, which are:
-AcciMed
-AcciIncome
2. What are the covers / benefits provided?
This rider covers:
- Accidental Death and TPD Benefit* - RM 45,000.00(i.e. rider Sum Assured);
- Accidental Dismemberment Benefit - Up to RM 45,000.00, by reference to the Schedule of Indemnity below;
- Passenger Aviation Indemnity Benefit** - Up to RM 45,000.00, by reference to the Schedule of Indemnity below;
- Double Indemnity Benefit - double up the amount payable under Schedule of Indemnity if the Accidental Injuries is sustained while Life Assured is either riding as a
passenger within any mechanically propelled Non-aeriel Public Conveyance, as a passenger in a regular Passenger Elevator Car, or in consequences of the burning of any
Theatre, Hotel or Public Building.
Schedule of Indemnities
Item Accidental Injuries Percentage of Rider Sum

Assured Payable (%)
1 Loss of Life 100

2 Loss of two or more Limbs by amputation at or above Wrists or Ankles 100
3 Total and irrecoverable loss of all sight in both eye 100
4 Total and irrecoverable loss of all sight in one eye and loss of one Limb by amputation at or above Wrist or Ankle 100
5 Loss of one Limb by amputation at or above Wrist or Ankle 50
6 Total and irrecoverable loss of all sight in one eye 50
7 Total and permanent loss of arm from shoulder 100
8 Total and permanent loss of forearm 100
9 Total and permanent loss of thigh 100
10 Total and permanent loss of leg at or below knee 100
11 Total and permanent loss of hearing in both ears 75
12 Total and permanent loss of speech 50
13 Total and permanent loss of hearing in one ear 15
14 Total and permanent loss of thumb
- both phalanges 25
- one phalanx 10
15 Total and permanent loss of index finger
- three phalanges 15
- two phalanges 8
- one phalanx 4
16 Total and permanent loss of middle finger
- three phalanges 6
- two phalanges 4
- one phalanx 2
17 Total and permanent loss of ring finger
- three phalanges 5
- two phalanges 4
- one phalanx 2

18 Total and permanent loss of little finger
- three phalanges 4
- two phalanges 3
- one phalanx 2
19 Total and permanent loss of the toes
- all on one foot 15
- great, both phalanges 5
- great, one phalanx 2
- other than great, if more than one toe lost each 1
- In the event of multiple injuries as a result of the same accident, the aggregate % of indemnities for each loss under Item 2 to 19 of the Schedule of Indemnity shall be payable with the
provision that total indemnity payable shall not exceed 100% of rider Sum Assured.
Notes:
- *Amount payable for TPD benefit shall be 100% of rider Sum Assured less any other amount paid previously under this rider.
- **Passenger Aviation Indemnity Benefit is only payable if the Accident Injuries are sustained while Life Assured is a fare-paying passenger in a passenger aircraft owned
and provided by an incorporated passenger carrier and operated by a licensed pilot on a scheduled trip over an established passenger route of such carried, and between
definitely established airports.
Coverage duration: Up to occurrence of death of Life Assured, expiry of rider term, or surrender/lapse/cancellation of this rider or basic Investment-linked plan, whichever is
earlier.
3. How much premium do I have to pay?

This is a unit-deducting rider. Please refer to sales illustration for details.
4. What are the fees and charges that I have to pay?

The rider's insurance charges are deducted monthly from your Fund Value. The Insurance Charges is charged according to your occupation class.
*Notes:
- The insurance charges in sales illustration are applicable to standard risks only.
- The insurance charges for this rider is not guaranteed and may increase upon renewal. We reserves the right to revise the insurance charges by giving at least 90 days prior
written notice. However, such changes make only take effect on Next Policy Anniversary.
- Importance of disclosure - you must disclose all material facts such as your occupation and your personal pursuits which would affect the risk profile and number of
personal accident policies that you have purchased from other insurance companies.
- Cooling-Off Period- you may cancel your rider by returning the policy within 15 days after the delivery of this rider to you. We will refund to you the full insurance charges
paid for this rider less any medical expenses incurred in issued this rider.
- Fund Value - the Fund Value of the ILP depends on the performance of the investment-linked funds selected. The higher the level of insurance coverage selected, the more
units will be deducted to pay for the insurance charges and the fewer units will remain to accumulate Fund Values under your policy.
- Policy lapse - the rider will terminate if the basic plan lapses due to insufficient fund value to pay for the insurance and other charges and No Lapse Guarantee is forfeited.
-Insurance charge - the insurance charges are not guaranteed. We reserve the right to revise the insurance charges applicable at the time of renewal by giving you at least
ninety (90) days prior written notice. Any revision made will only take effect on the next Policy Anniversary.
- Claim notification - You are required to have your written notice to Us by giving full particulars of any injury for claim within 30 days after occurrence of the accident causing
the injury. In case of death or permanent dismemberment, immediate notice must be given.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider.

6. What are the major exclusions under this rider?
No benefit shall be payable if the death, disability or injury due to Accident is resulting directly or indirectly, wholly or partly by:
- any form of illness or disease due to non-accidental causes;
- attempted suicide (whether sane or insane);
- self-inflicted injury or injury sustained while under the influence of drugs or alcohol;
- injury sustained while engaging in hazardous speed or endurance contest;
- any airborne activities (except when travelling as a fare paying passenger or a crew member of an aircraft operated by an international airline and licensed for
passenger service over a regular scheduled commercial route);
- submarine voyage;
- military, police, naval or aeronautical service;
- violation of law or resistance to arrest;
- restoration of public order or making any arrest as an officer of law;
- any form of disability and TPD which existed at the Issue Date or Reinstatement Date of this rider, whichever is later;
- war declared or undeclared, strikes, terrorist activities or participation in riot and civil commotion;
- Pre-Existing Conditions;
- hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accident cut or wound); or
- poison, gas, fumes (voluntarily or involuntarily, accidentally or otherwise taken, administered, absorbed or inhaled).
Note: This list is non-exhaustive. Please refer to policy contract for the full list of exclusions under this rider.
7. Can I cancel my rider?

You may cancel your rider by giving a written notice to Us. Upon cancellation, no surrender value is payable and coverage will be provided until the day before the next
monthly insurance charge of this rider is due.
8. What do I need to do if there are changes to my contact / personal details?
It is important that you inform Us of any change in your life profile including your occupation and personal pursuits which would affect the risk profile.
9. Where can I get further information?
If you have any enquiries, please contact Us at:

50400 Kuala Lumpur.
Fax : 03-2162 8068
10. Other similar types of cover available

Please ask Us/ your agent for other similar types of plans offered by Us.
IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR
CONTACT US DIRECTLY FOR MORE INFORMATION.
This insurance plan is underwritten by Tokio Marine Life Insurance Malaysia Berhad [199801001430 (457556-X)], a Company licensed under the Financial Services Act 2013 and regulated by
Bank Negara Malaysia.
The information provided in this disclosure sheet is valid as at 05/03/2024

FUND FACT SHEET - TokioMarine-Enterprise Fund
GENERAL INFORMATION DESCRIPTION
Name of Fund TokioMarine-Enterprise Fund (the "Fund")
Features of Fund
Fund Category / Type Equity Fund
Investment Objective To maximise returns over medium to long term by investing in quality shares listed on Bursa Malaysia and foreign stock exchanges.
Investment Strategy and Approach The fund aims to maximise returns over the medium to long term by investing at least 80% in quality shares listed on Bursa Malaysia and
foreign stock exchanges. The equity position will be actively managed based on fundamental analysis using a combination of both top-down
and bottom-up approach for stock selection.
Asset Allocation
The Fund’s asset allocation as of 31 December 2022 is as follows:
Asset Type % of NAV of the Fund
Equity 83.87
Net Cash 16.13
Country Fund (%)

Malaysia 100.0
Sector Fund (%)

Financial Services 30.6
Technology 12.7
Consumer Products & Services 9.8
Industrial Products & Services 9.0
Energy 7.9
Plantation 4.0
Telecommunications & Media 2.5
Transportation & Logistics 2.5
Utilities 2.0
Construction 1.7
Health Care 1.0
Property 0.3
Cash 16.1
Top 10 Holdings
Security Name % NAV
1. MALAYAN BANKING BHD 9.50
2. CIMB GROUP HOLDINGS BHD 7.91
3. PUBLIC BANK BHD 7.67
4. PRESS METAL BHD 3.78
5. FRONTKEN CORP BHD 3.73
6. HIBISCUS PETROLEUM BHD 2.90
7. HONG LEONG BANK BHD 2.09
8. GREATECH TECHNOLOGY BHD 2.03
9. TENAGA NASIONAL BHD 2.00
10. GENTING MALAYSIA BHD 1.97
Source: Monthly fund review
Performance Benchmark FBM 100
Fund Manager The Fund is managed by Tokio Marine Life Insurance Malaysia Bhd.
Fees & Charges
Fund Management Charge Up to a maximum of 1.5% p.a. of the NAV of the Fund.
Page 26 of 36
Fund Performance
Track record Notice: Past performance of the fund is not an indication of its future performance and the performance of the fund is not guaranteed.
TokioMarine-Enterprise Fund * FBM KLCI Index / FBM
Year(t) Unit price 100 Index Excess Return (%)
(% change) (% change)
2013 18.35 11.39 6.96
2014 3.13 (6.17) 9.30
2015 9.21 (2.89) 12.10
2016 2.69 (2.45) 5.14
2017 14.22 12.74 1.48
2018 (12.50) (9.28) (3.22)
2019 0.66 (2.88) 3.54
2020 13.72 3.49 10.23
2021 2.86 (4.23) 7.09
2022 (11.98) (5.40) (6.58)

Note:
* 2004 - 2008 : Kuala Lumpur Composite Index
2009 onwards : FBM 100 Index
Further information on benchmark can be obtained from Bursa Malaysia.
- This is strictly the performance of the investment fund, not the returns earned on the actual premium paid for the investment-
linked product.
- Performance returns are calculated based on unit price of the Fund with following formula:
Risks
Key Risk Considerations Risk Type Description

Market Risk This is a risk that the value of a fund will be adversely affected due to the general market and economic
conditions.
This risk may be mitigated by a rigorous review of macroeconomic factors and asset allocation strategy as
well as via portfolio diversification.
Liquidity Risk The risk that it may not be possible to liquidate, nor to assess a fair value of policyholder’s position due to
prevailing market conditions.
This risk may be mitigated via portfolio diversification by investing in a mix of securities and by conducting
regular review of the asset allocation.
Currency Risk This is the risk associated with investments that are denominated in foreign currencies. The fluctuations in
foreign exchange markets may affect the value of the Fund's investment assets.
This risk may be mitigated by spreading the investable assets across differing currencies and utilizing
hedging instruments to hedge the currencies if it is deemed as necessary to do so.
Country Risk This is the risk of loss when investing in a given country caused by changes in a country’s political structure
or policies, such as tax laws, tariffs, expropriation of assets, or restriction in repatriation of profits.
This risk may be mitigated via portfolio diversification and diversification of investments across various
countries.
Page 27 of 36
Other Info
Target Market Investors who:-

 are willing to accept equity risks to garner potentially greater returns
 have a medium to long term investment horizon
Basis & Frequency of Unit Valuation Daily, on Fund and underlying investment asset business day.
Fund unit price is the net asset value of the Fund divided by total numbers of units of the Fund, and rounded at fourth decimal. Transactions
cost, taxes and fees are provided in the net asset value.
Exceptional Circumstances Tokio Marine Life Insurance Malaysia Bhd. may suspend temporarily the issuance and redemption of Units of the Fund as well as the right to
switch Units into those of another Fund and the calculation of the Net Asset Value per Unit of any Fund:
(a) during any period when any market or stock exchange, which is a principal market or stock exchange, on which a material part
of the Fund's investments of the relevant Portfolio for the time being is quoted, is closed otherwise than for ordinary holidays,
or during which dealings are substantially restricted or suspended; or
(b) during the existence of any state of affairs which constitutes an emergency as a result of which disposal by the Fund of
investments of the relevant Portfolio is not possible; or
(c) during any breakdown in the means of communication normally employed in determining the price of any of the Fund’s
investments or the current prices on any market or stock exchange; or
(d) during any period when remittance of money which will or may be involved in the realization of, or in the payment for, any of
the Fund’s investments is not possible. The Management Company shall cease the issue, switch and redemption of the Fund’s
Units forthwith upon the occurrence of the above events. Unitholders having requested switching or redemption of their Units
will be notified in writing of any suspension within seven days of their request and will be promptly notified upon termination
of such suspension.
Tokio Marine Life Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
Page 28 of 36
FUND FACT SHEET - TokioMarine-Managed Fund
Name of Fund TokioMarine-Managed Fund (the "Fund")
Features of Fund
Fund Category / Type Mixed Asset
Investment Objective An actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in shares and fixed income
securities through TokioMarine-Enterprise Fund and TokioMarine-Bond Fund and in other Tokio Marine or third party funds that may
become available in the future.
Investment Strategy and Approach Maximum 85% in equities through TokioMarine-Enterprise Fund or other third party equity funds OR fixed income securities through
TokioMarine-Bond Fund or other third party fixed income funds.
The equity position will be actively managed based on fundamental analysis using a combination of both top-down and bottom-up approach
for stock selection. As for the fixed income securities, the Fund Manager employs an investment approach which focuses on fundamental
analysis to pick the right credit.
Asset Allocation
The Fund’s asset allocation as of 31 December 2022 is as follows:
Asset Type % of NAV of the Fund
TokioMarine-Enterprise Fund 68.20
TokioMarine-Bond Fund 31.80
Country Fund (%)

Malaysia 100.0
Performance Benchmark 12-months Fixed Deposit Rate of Malayan Banking Berhad
Fund Manager The Fund is managed by Tokio Marine Life Insurance Malaysia Bhd.
Fees & Charges
Fund Management Charge Up to a maximum of 1.5% p.a. of the NAV of the Fund.
Fund Performance
Track record Notice: Past performance of the fund is not an indication of its future performance and the performance of the fund is not guaranteed.
Tokio Marine-Managed Fund 12-month FD Rate of
Year(t) Unit price Maybank Excess Return (%)
(% change) (%)
2013 14.59 3.15 11.44
2014 3.41 3.23 0.18
2015 7.91 3.30 4.61
2016 3.00 3.20 (0.20)
2017 11.95 3.10 8.85
2018 (7.86) 3.33 (11.19)
2019 2.73 3.18 (0.45)
2020 11.45 2.18 9.27
2021 2.09 1.85 0.24
2022 (8.10) 2.27 (10.37)

Further information on benchmark can be obtained from Maybank@maybank2u.com.my
- This is strictly the performance of the investment fund, not the returns earned on the actual premium paid for the investment-
linked product.
- Performance returns are calculated based on unit price of the Fund with following formula:
Page 29 of 36
Risks
Key Risk Considerations Risk Type Description

Market Risk This is a risk that the value of a fund will be adversely affected due to the general market and economic
conditions.
This risk may be mitigated by a rigorous review of macroeconomic factors and asset allocation strategy as
well as via portfolio diversification.
Liquidity Risk The risk that it may not be possible to liquidate, nor to assess a fair value of policyholder’s position due to
prevailing market conditions.
This risk may be mitigated via portfolio diversification by investing in a mix of securities and by conducting
regular review of the asset allocation.
Credit Risk The risk of a bond issuer’s inability to make timely payments of interest and principal. In the event that the
issuer of the bond is faced with financial difficulties, leading to a default in the payment of interest and
principal, the value of the investments may be adversely affected.
This risk may be mitigated by performing continuous fundamental credit research and analysis to assess the
creditworthiness of the relevant issuers or counterparties. The risk may also be mitigated by investing in a
diversified portfolio.
Interest Rate Risk This is a risk that the value of fixed income securities will move inversely with interest rate movements. As
such, the prices of fixed income securities may fall when interest rates rise and vice versa.
This risk may be mitigated by managing the duration of the portfolio by diversifying the tenures of the
Fund’s fixed income securities.
Currency Risk This is the risk associated with investments that are denominated in foreign currencies. The fluctuations in
foreign exchange markets may affect the value of the Fund's investment assets.
This risk may be mitigated by spreading the investable assets across differing currencies and utilizing
hedging instruments to hedge the currencies if it is deemed as necessary to do so.
Country Risk This is the risk of loss when investing in a given country caused by changes in a country’s political structure
or policies, such as tax laws, tariffs, expropriation of assets, or restriction in repatriation of profits.
This risk may be mitigated via portfolio diversification and diversification of investments across various
countries.
Other Info
Target Market Investors who:-
 have conservative to moderate risk-reward temperament but aims to achieve a respectable measure of capital growth
 have a medium to long term investment horizon
Basis & Frequency of Unit Valuation Daily, on Fund and underlying investment asset business day.
Fund unit price is the net asset value of the Fund divided by total numbers of units of the Fund, and rounded at fourth decimal. Transactions
cost, taxes and fees are provided in the net asset value.
Exceptional Circumstances Tokio Marine Life Insurance Malaysia Bhd. may suspend temporarily the issuance and redemption of Units of the Fund as well as the right to
switch Units into those of another Fund and the calculation of the Net Asset Value per Unit of any Fund:
(a) during any period when any market or stock exchange, which is a principal market or stock exchange, on which a material part
of the Fund's investments of the relevant Portfolio for the time being is quoted, is closed otherwise than for ordinary holidays,
or during which dealings are substantially restricted or suspended; or
(b) during the existence of any state of affairs which constitutes an emergency as a result of which disposal by the Fund of
investments of the relevant Portfolio is not possible; or
(c) during any breakdown in the means of communication normally employed in determining the price of any of the Fund’s
investments or the current prices on any market or stock exchange; or
(d) during any period when remittance of money which will or may be involved in the realization of, or in the payment for, any of
the Fund’s investments is not possible. The Management Company shall cease the issue, switch and redemption of the Fund’s
Units forthwith upon the occurrence of the above events. Unitholders having requested switching or redemption of their Units
will be notified in writing of any suspension within seven days of their request and will be promptly notified upon termination
of such suspension.
Tokio Marine Life Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
Page 30 of 36
Acknowledgement
Proposed Plan: TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign)
Name of Life Assured: MR. SUGUMARAN
I, the Policy Owner, hereby acknowledge that all the important information of this proposed plan such as details in the marketing materials (including
Product Disclosure Sheet), product features of the proposed plan including any rider(s) attached, key terms and conditions that I must be awared of,
including major exclusions, total premium amount payable and all the fees/charges (if any) imposed under this policy have been satisfactorily
explained to me.
For Pre-Birth policy with attachment of iMediCare rider:

I also understand that the coverage for iMediCare rider will only commence after I have updated TokioMarine Life of the personal details of the Life
Assured when the Life Assured is born.
Name of Policy Owner: Name of Agent:

NRIC: NRIC:
Date: Date:

WHAT SERVICES 2• WHEN YOU DECIDE TO BUY A POLICY
CAN YOU EXPECT FROM OUR Assist You With The Policy Application
AGENT? • Explain the importance of answering the questions in the
proposal form fully and accurately.
Our Company offers life insurance products through our agency • Submit your application for underwriting after you have signed
force, bank partners, online channel, etc. If you intend to the eProposal form either through physical meeting or remote
purchase a life insurance product from our agents, you can signature.
enjoy these value-added services. • Arrange for medical examination with one of our panel clinics, if
required.
• Provide information on making a nomination to ensure policy
moneys are received by your nominees in the event of death.
1• BEFORE YOU BUY A POLICY Explain The Policy Terms And Conditions
Deal Only With Registered Agents • Your ePolicy document will be made available for download via
Customer Portal/oneTokio mobile application.
You can check the status of the agent via the Life Insurance
• Go through the policy terms and conditions with you to ensure
Association of Malaysia’s (LIAM) website or via Short Message Service
that this is the right plan that you have purchased.
(SMS). Visit http://www.liam.org.my/index.php/customer- zone/know-
your-agent for more details.
3• DURING THE TERM OF THE POLICY
Assist You In Choosing The Right Insurance Plan
• Go through with you the Customer Fact Finding Form (CFF) to Continuous Policy Servicing
understand your financial goals, insurance needs & risk profile.
• Assist in renewal of policy.
• Recommend suitable insurance plan after assessing your • Provide continuous service e.g. policy modifications, change of
needs.
address and frequency of premium payments. If the agent has
left the Company, we shall appoint a new agent to service you.
Explain Product Features
• Explain the product features, benefits payable, exclusions, Assist You In Making A Claim
premiums and charges.
Guide you through the standard procedures on how to file an
• Provide Product Disclosure Sheet to assist you in making insurance claim.
informed decision and to facilitate product comparison.
Page 32 of 36
Now, you can check the status of For any enquiries or further assistance, you For online access to your policy information
may scan the below QR Code or contact us and self-service transactions, you may scan
insurance agents at your fingertips! from any of the following touch point the below QR Code
 Customer Portal or
 Email us at
https://www.tokiomarinelife.com.my/e
customercare@tokiomarinelife.com.my
services
Via Internet Via SMS  Call our Customer Care Hotline at
Enter agent’s MyKad / Old IC / LIAM No. Language E–English, M–Bahasa Malaysia, C–Chinese 03 2603 3999
 Live Chat at
Search A-MyKad / Old IC, B–LIAM No. https://www.tokiomarinelife.com.my/e
services
 To install and login our oneTokio Mobile

App
 Set appointment or
https://www.tokiomarinelife.com.my/a
ppointmentwebform/index.html
Page 33 of 36
[199801001430 (457556-x)]
Licensed under the Financial Services Act 2013

and is regulated by Bank Negara Malaysia.
Ground Floor, Menara Tokio Marine Life, 189,

Jalan Tun Razak, 50400 Kuala Lumpur,
General Line: (603) 2059 6188
Fax: (603) 2162 8068
Customer Care Hotline: (603) 2603 3999
tokiomarine.com November 2021
Page 34 of 36
Guide to Investment-linked Policy Owners on Insurance Coverage
 You have purchased an investment-linked policy which is an insurance product that is tied to
the performance of the investment fund(s) which you selected.
 This Guide gives you general information on factors that may reduce your fund value and steps
that you can take to enjoy insurance coverage for the full term of your policy.
 Please contact your servicing representative or contact us at 03-20596188 or
customercare@tokiomarinelife.com.my if you have any questions.
Let’s recap how your investment-linked policy works…

 A portion of your premiums (i.e. allocated premium) are used to purchase units in the investment
fund(s).
 Charges will be deducted from your investment funds, including charges to pay for your insurance
cover.
 Your fund value needs to be sufficient to ensure continued insurance coverage for the full
policy term. If your fund value is insufficient and reduces to zero, you can take steps to maintain your
insurance cover.
Please refer to the diagram in Appendix A for an illustration of how an investment-linked policy works.
What could reduce your fund value*?
 Not paying premiums when it is  Choosing not to increase premiums

due1 when increasing protection cover
(e.g. buying riders)1
 Poor investment return

 Choosing not to increase premiums or
perform top up when the insurer
 Making partial withdrawals increases insurance/other charges
from the fund
What do you need to do*?

Step 1: Review your insurance coverage regularly
 For the year 2019, we will inform you if your policy is expected to be at risk of insufficient balance
to pay for charges due.
 From 1 January 2020 onwards, your annual statement will contain information on the expected
duration of your insurance cover based on your fund value.
Step 2: Take necessary actions* if there is a risk that your fund may become insufficient,
to ensure continued insurance coverage for the full policy term
 Increase premium payment or  Reduce your insurance coverage1

perform top up
WARNING: If you choose not to perform any of the actions above, your policy may not be able to remain
in-force until full policy term.
* Disclaimer: Some of these information and options may not apply to you. For information and options specific to your policy,
please contact us for further details.
1 Not applicable to single premium policy.
Page 35 of 36
Appendix A: How an investment-linked policy works
Allocated Your fund needs to be

Premium sufficient to ensure you
continue to enjoy insurance
cover
Your investment-
linked policy
Investment fund(s)
Insurance charges to pay Other charges e.g. policy fees,

for your insurance cover fund management charges
Members of LIAM:
www.liam.org.my
Published by the Life Insurance Association of Malaysia (LIAM)

Page 36 of 36

Sales Illustration

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Sales Illustration

Uploaded by

Copyright:

Available Formats

A Personalised Life Insurance Illustration For

Proposed Plan : TokioMarine-iLifeSecure 2 (Medical Loyalty Campaign)

Presented by : PUSHPAKUMAR A/L KANAPATHY

Presented on : 05 Mar 2024

Plan Term Sum Assured Annual Premium

Rider(s) for Life Assured AcciShield 24 45,000 -

Total Premium (including SST, if any): 3,600.00

This is an illustration only (E. & O.E)

(i) Death Benefit^ RM 15,000 plus Fund Value

(ii) TPD Benefit RM 15,000

(iii) Funeral Expenses RM 5,000

(iv) Maturity Benefit Fund Value

Rider(s): Life Assured

iLife Waiver Plus

(i) TPD Benefit Not Applicable

(ii) Critical Illness Benefit Not Applicable

(i) Critical Illness Benefit Not Applicable

(i) Critical Illness Benefit Not Applicable

(ii) Admission Events Benefit Not Applicable

(iii) Health Reward Benefit Not Applicable

(i) Critical Illness Benefit Not Applicable

(ii) Admission Events Benefit Not Applicable

(iii) Health Reward Benefit Not Applicable

This is an illustration only (E. & O.E)

(ii) COVID-19 Coverage (Category 3, 4 & 5) Applicable

(iii) Annual Limit RM 1,500,000

(iv) Lifetime Limit No Lifetime Limit

(vi) Pregnancy Complications RM 5,000 (for female Life Assured only)

(vii) New Born Reward RM 1,000

(i) Deductible Amount prior to attained age Not Applicable

(ii) Deductible Amount after attained age 61 Not Applicable

(i) Hospitalization Benefit Not Applicable

(ii) Intensive Care Unit (ICU) Benefit Not Applicable

(i) Accidental Death / TPD Benefit RM 45,000

(ii) Accidental Dismemberment Benefit Applicable

(i) Total and Temporary Disability Benefit Not Applicable

(ii) Partial and Temporary Disability Benefit Not Applicable

(iii) Double Indemnity Benefit Not Applicable

(i) Medical Reimbursement Benefit Not Applicable

(ii) Corrective Cosmetic Surgery Benefit Not Applicable

(iii) Ambulance Fees Not Applicable

(iv) Prostheses / Wheelchair Allowance Not Applicable

(i) Death Benefit^ Not Applicable

(i) Death Benefit Not Applicable

(ii) TPD Benefit Not Applicable

(iii) Critical Illness Benefit Not Applicable

This is an illustration only (E. & O.E)

Benefits Unallocated Premium allocated

This is an illustration only (E. & O.E)

Allocated 1 Fund Management Non-Guaranteed Non-Guaranteed Death

This is an illustration only (E. & O.E)

Scenario X% per annum 30 years (up to Age 76 Next Birthday)

Scenario Y% per annum 33 years (up to Age 79 Next Birthday)

due to rising medical costs.

*After deducting tax and fund management charge.

This is an illustration only (E. & O.E)

Premium Paid Sum Assured Coverage Period

AcciShield Unit Deducting Rider Not Applicable 45,000 24

iMediCare Unit Deducting Rider Not Applicable Plan 200 34

This is an illustration only (E. & O.E)

This is an illustration only (E. & O.E)

A) How can you exercise this extension?

B) What will happen after you exercise the option?