A Personalised Life Insurance Illustration For

MDM. MANIMALAR

Proposed Plan : TokioMarine-iLifeSecure 2

Presented by : NEXUS RISK MANAGEMENT (M) SDN BHD

Presented on : 03 Jun 2020

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 Sales Illustration for TokioMarine-iLifeSecure 2
Details of Life Assured
Name : MDM. MANIMALAR
Gender : Female Occupation Class : C
Smoker : No Age : 44 Age Next Birthday
Expiry Age : 70 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 26 50,000 2,340.00
Regular Top-Up Option 26 - 120.00

Rider(s) for Life Assured iHealth+ 26 Plan 1 -

AcciShield 26 50,000 -
iHealth Income 26 100 -

Sales and Service Tax (SST)* 0.00

Total Premium (including SST, if any): 2,460.00

*Except for Educational Institutions or Religious Organisations, 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.

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

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Summary of Benefits

Basic Plan
TokioMarine-iLifeSecure 2

(i) Death Benefit^ RM 50,000 plus Fund Value

(ii) TPD Benefit RM 50,000

(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

iAdvanced CI

(i) Critical Illness Benefit Not Applicable

iAccelerating CI

(i) Critical Illness Benefit Not Applicable

iHealth+

(i) Room and Board Benefit RM 100 per day, up to a maximum of 150 days per disability each policy year

(ii) Annual Limit Not Applicable

(iii) Lifetime Limit RM 650,000

(iv) Co-insurance 20% co-insurance will be applied on the remaining amount of claims if the total claims with a policy year
exceeds RM 65,000
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 RM 100 per day, up to a maximum of 180 days per policy year

(ii) Intensive Care Unit (ICU) Benefit RM 200 per day, up to a maximum of 30 days for any one disability

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

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 AcciShield

(i) Accidental Death / TPD Benefit RM 50,000

(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.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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 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 : MDM. MANIMALAR
Product name : TokioMarine-iLifeSecure 2 Gender : Female
Type of policy : Regular Premium Investment-Linked Insurance Smoker : No
Age : 44 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.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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Table 1: TokioMarine-iLifeSecure 2 (For illustration purposes only. This may not be the benefits that you will receive)
• The numbers in the table below illustrate the possible movements of cash flows of the policy, including how fees and charges could impact
fund values. In order to show the impact of different investment returns on the cash flows, two rates of return have been chosen, 2%
(Scenario X) and 5% (Scenario Y). The actual return rates may be higher or lower than the chosen rates, or even be negative.
• Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invested in.
Please see the attached fund fact sheet(s) for the past actual annual investment returns.

The amount You should only purchase the riders 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
Premium Charges (RM) Sum Fund Value* (RM) Benefits 2
End of Assured Premium (c) Other
Assured (h)
Policy Age at Paid (RM) (b) Charges1 (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 45 2,460.00 1,518.00 61.7 91 975 102 5 5 50,000 363 388 55,363 55,388 941 38.2
2 46 2,460.00 1,518.00 61.7 100 976 102 10 11 50,000 718 779 55,718 55,779 941 38.2
3 47 2,460.00 1,518.00 61.7 108 1,108 102 13 14 50,000 934 1,041 55,934 56,041 590 24.0
4 48 2,460.00 1,986.00 80.7 118 1,111 102 22 24 50,000 1,608 1,780 56,608 56,780 590 24.0
5 49 2,460.00 1,986.00 80.7 127 1,116 102 31 35 50,000 2,273 2,530 57,273 57,530 356 14.5
6 50 2,460.00 1,986.00 80.7 146 1,120 102 40 45 50,000 2,917 3,281 57,917 58,281 356 14.5
7 51 2,460.00 2,337.00 95.0 176 1,122 102 53 60 50,000 3,885 4,384 58,885 59,384 5 0.2
8 52 2,460.00 2,337.00 95.0 192 1,451 102 62 71 50,000 4,513 5,174 59,513 60,174 5 0.2
9 53 2,460.00 2,454.00 99.8 207 1,457 102 72 83 50,000 5,242 6,090 60,242 61,090 5 0.2
10 54 2,460.00 2,454.00 99.8 223 1,463 102 81 96 50,000 5,953 7,014 60,953 62,014 5 0.2
15 59 2,460.00 2,454.00 99.8 396 1,722 102 113 147 50,000 8,271 10,747 63,271 65,747 5 0.2
20 64 2,460.00 2,454.00 99.8 628 2,336 102 100 158 50,000 7,280 11,549 62,280 66,549 5 0.2
26 70 2,460.00 2,454.00 99.8 1,136 3,349 102 - 58 50,000 - 4,220 - 59,220 5 0.2

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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 Projected Investment Return Projected Sustainability Years #

Scenario X% per annum 25 years (up to Age 69 Next Birthday)

Scenario Y% per annum 26 years (up to Age 70 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.
*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.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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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)

iHealth+ Unit Deducting Rider Not Applicable Plan 1 26

AcciShield Unit Deducting Rider Not Applicable 50,000 26

iHealth Income Unit Deducting Rider Not Applicable 100 26

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

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Table 3: Unit-Deducting Riders (For illustration purposes only)
Life Insurance Charges (Non-Guaranteed)
End
Assured
of
Age at iLife Waiver iPayor Waiver iHealth+
3*
iHealth iHealth iComprehensive iAdvanced CI iAccelerating AcciShield AcciMed AcciIncome iLife Booster
Policy 3
End of Plus Advance Income CI CI
Year
Year

1 45 - - 796 - 70 - - - 109 - - -

2 46 - - 796 - 70 - - - 109 - - -

3 47 - - 926 - 73 - - - 109 - - -

4 48 - - 926 - 76 - - - 109 - - -

5 49 - - 926 - 81 - - - 109 - - -

6 50 - - 926 - 84 - - - 109 - - -

7 51 - - 926 - 87 - - - 109 - - -

8 52 - - 1,253 - 90 - - - 109 - - -

9 53 - - 1,253 - 95 - - - 109 - - -

10 54 - - 1,253 - 101 - - - 109 - - -

15 59 - - 1,485 - 128 - - - 109 - - -

20 64 - - 2,055 - 172 - - - 109 - - -

26 70 - - 2,939 - 301 - - - 109 - - -

3
Insurance charge of optional benefits will be included if selected.
* For Pre-birth policy, the actual charge of iHealth+ 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 is an illustration only (E. & O.E)

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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 50,000.00

2 Loss of two or more Limbs by amputation at or above Wrists or Ankles 100 50,000.00
3 Total and irrecoverable loss of all sight in both eye 100 50,000.00
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 50,000.00
5 Loss of one Limb by amputation at or above Wrist or Ankle 50 25,000.00
6 Total and irrecoverable loss of all sight in one eye 50 25,000.00
7 Total and permanent loss of arm from shoulder 100 50,000.00
8 Total and permanent loss of forearm 100 50,000.00
9 Total and permanent loss of thigh 100 50,000.00
10 Total and permanent loss of leg at or below knee 100 50,000.00
11 Total and permanent loss of hearing in both ears 75 37,500.00
12 Total and permanent loss of speech 50 25,000.00
13 Total and permanent loss of hearing in one ear 15 7,500.00
14 Total and permanent loss of thumb
- both phalanges 25 12,500.00
- one phalanx 10 5,000.00
15 Total and permanent loss of index finger
- three phalanges 15 7,500.00
- two phalanges 8 4,000.00
- one phalanx 4 2,000.00
16 Total and permanent loss of middle finger
- three phalanges 6 3,000.00
- two phalanges 4 2,000.00
- one phalanx 2 1,000.00
17 Total and permanent loss of ring finger
- three phalanges 5 2,500.00
- two phalanges 4 2,000.00
- one phalanx 2 1,000.00

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

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 18 Total and permanent loss of little finger
- three phalanges 4 2,000.00
- two phalanges 3 1,500.00
- one phalanx 2 1,000.00
19 Total and permanent loss of the toes
- all on one foot 15 7,500.00
- great, both phalanges 5 2,500.00
- great, one phalanx 2 1,000.00
- other than great, if more than one toe lost each 1 500.00

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

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Illustration of Expected Benefits
for Riders
iHealth+

Basic Benefits (in RM) Plan 1

1. Hospital Room & Board (Maximum of 150 days per Disability each policy year) 100
2. Intensive Care Unit (Maximum of 60 days per Disability each policy year) AS CHARGED
3. Hospital Supplies & Services AS CHARGED
4. Surgical Fees (Post Surgery care limited to 90 days after discharge) AS CHARGED
5. Operating Theatre Fee AS CHARGED
6. Anaesthetist Fee AS CHARGED
7. In-Hospital Physician’s Visit (Maximum 2 visits per day) AS CHARGED
8. Pre-hospitalisation Diagnostic Test (Maximum 30 days prior to hospitalisation) AS CHARGED
9. Pre-hospitalisation Specialist Consultation (Maximum 30 days prior to hospitalisation) AS CHARGED
10.Post-hospitalisation Treatment (Maximum 90 days after discharge) AS CHARGED
11. Ambulance Fees AS CHARGED
12. Day Surgery Benefits AS CHARGED
13. Emergency Accidental Outpatient Treatment (Maximum per Accident, within 24 hours from accident) 1,000
14. Home Nursing Care (Maximum 150 days, per policy year) 100
15 .Medical Report Fee (Per Disability) 50
16. Outpatient Cancer Treatment(Includes consultation, examination tests and prescribed take-home drugs) AS CHARGED
17. Outpatient Kidney Dialysis AS CHARGED

18. Organ Transplant (once per lifetime) 30,000

19. Government Hospital Daily Cash (per Disability, maximum 150 days) 50
Annual Limit* (Item 1 to 17) No Annual Limit
(*If the total claims within a policy year exceeds 10% of the Lifetime Limit, a 20% co-insurance as stated
in the Schedule of Benefit will be applied on the remaining amount of claim)

Lifetime Limit (Item 1 to 19) 650,000

20. Funeral Expense Benefit NO
21. No Claims Bonus - 10% increase on initial Room & Board benefit for every 3 years cycle of no claims YES
(subject to maximum of 150% of the initial Room & Board entitlement).
22. Daily Guardian Benefit -
23. Accidental Death and Dismemberment Benefit -
24. Total and Permanent Disability Benefit -
25. Dread Disease Benefit -
Service Programme
1. Emergency Assistance Service & Benefits YES
2. Expert Medical Opinion (EMO) NO

Note: The precise term and conditions of this insurance plan are specified in the policy contract.
1. This illustration must be read in accordance with the full notes as appeared in the section on important notes.
2. For Life Assured with Occupation Class C and Occupation Class D, a loading of 25% and 50% have been added into the Insurance Charges respectively.
3. The Accidental Death and Dismemberment Benefit will cease at the policy anniversary where the Life Assured has attained the age of 80 years.
4. The Total and Permanent Disability Benefit will cease at the policy anniversary where the Life Assured has attained the age of 65 years.
5. If Lifetime Booster is attached, Co-Payment Waiver is not allowed to attach and vice versa.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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 PRODUCT DISCLOSURE SHEET
TokioMarine-iLifeSecure 2
Read this Product Disclosure Sheet before you decide to take up the TokioMarine-iLifeSecure 2. 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 riders 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.

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).

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

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 2. What are the covers / benefits provided ?
This policy covers:

(i) Death* - RM 50,000 (i.e. basic sum assured) plus the Fund Value
(ii) TPD** - RM 50,000 (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):

iHealth+ (Plan 1)
AcciShield
iHealth Income

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 suit 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 3 next birthday 60%
Age 4 next birthday 80%
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.

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

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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 2,340.00 annually
RM 1,170.00 semi-annually
RM 585.00 quarterly
RM 195.00 monthly
Basic premium duration: until age 70 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, 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 18 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.

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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 may 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.

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

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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 investment-linked insurance plan, please refer to the insuranceinfo booklet on ‘Investment-Linked Insurance’, which is
available at all our branches or you can obtain a copy from your agent or visit www.insuranceinfo.com.my.

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 03/06/2020 .

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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 PRODUCT DISCLOSURE SHEET
iHealth Income
Read this Product Disclosure Sheet before you decide to take up the iHealth Income. Be sure to also read the general terms and conditions.

1. What is this product about?

This is a unit deducting rider that offers coverage upon hospitalisation. It pays a daily Hospitalisation Benefit if you are warded in a licensed hospital worldwide
during the term of the rider up to age 70, subject to the sustainability of the basic policy.

2. What are the covers / benefits provided?

This rider covers:

• Hospitalisation Benefit - RM 100.00 per day
• Intensive Care Unit (ICU) Benefit - RM 200.00 per day

*Notes:
- If Life Assured is at aged 1 and 2 on next birthday, 50% and 75% respectively of Hospitalisation Benefit or ICU Benefit is payable.
- Hospitalisation Benefit is subject to a limit of 180 days per policy year.
- ICU Benefit is subject to a limit of 30 days for any one disability.
- Hospitalisation Benefit shall not be payable when ICU benefit is paid.

Coverage Duration: Up to occurrence of termination of basic plan/rider or age 70 of the Life Assured, 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 will increase as your age increases and will be deducted monthly from the value of your units. Details of insurance charges are given in
the sales illustration.

Notes:
- The insurance charge in sales illustration is 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 you at least
ninety (90) days prior written notice. The revised rates 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 - you may cancel your rider by returning the policy 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 - the eligibility for benefits under this rider will only start thirty (30) days after the Issue date of Reinstatement Date of this rider, 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.

Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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6. What are the major exclusions under this policy?
This rider does not cover hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:
- Pre-existing condition*;
- specified Illness occurring during the first one hundred and twenty (120) days from the Issue Date or Reinstatement Date of this Rider, whichever is later;
- any medical or physical conditions arising within the Waiting Period as defined 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 term of
coverage;
- 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;
- 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. Erectile dysfunction and tests or treatment related to impotence or sterilization;
- hospitalization primarily or 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;
- Ionising 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 Insured Person 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;
- care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured Person 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 in eligible
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; or
- expenses incurred for sex changes.

*Pre-Existing Condition means any disabilities or illness that:

(a) the Life Assured had received or is receiving treatment;
(b) medical advice, diagnosis, care or treatment has been recommended;
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

7. Can I cancel my policy?

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 further information?

Should you require additional information about medical amd health insurance, please refer to the insuranceinfo booklet on 'Medical & Health Insurance', available at all
our branches or you can obtain a copy from your agent or visit www.insuranceinfo.com.my.

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

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 19 of 36
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 03/06/2020

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 20 of 36
 PRODUCT DISCLOSURE SHEET
iHealth+
Read this Product Disclosure Sheet before you decide to take up the iHealth+. 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 Life Assured
during the term of the rider or up to the Life Assured's attainment of age 70.

2. What are the covers / benefits provided ?

This policy covers:
- Hospital room and board: RM 100 per day
- Annual limit on benefits payable - No Annual Limit
- Lifetime limit on benefits payable - RM 650,000
- Co-Insurance - A 20% co-insurance will be applied on the remaining amount of claims if the total claims within a policy year exceeds 10% of Lifetime Limit;

- Reimbursement of medical expenses;

- Emergency Assistance Service & Benefits;
- Pre-Hospitalisation Diagnostic Test & Specialist Consultation - up to 30 days;
- Post-hospitalisation Treatment - up to 90 days;
- No Claim Bonus - increment 10% of R&B for every 3 consecutive years of no claims, subject to a maximum limit.

Notes:
-*For claim under Angioplasty and Other Invasive Treatments for Coronary Artery Disease (only applicable if Booster is selected), 10% of the Rider Sum Assured (subject
to a maximum of RM 25,000 under all policies on the same life) will be payable and the Rider Sum Assured shall reduce accordingly. Thereafter, the reduced rider sum
assured will be payout upon subsequent Critical Illness is being diagnosed.
-**The Accidental Death and Dismemberment Benefit (only applicable if Booster is selected) will cease at the policy anniversary where the Life Assured has attained
the age of 70 years.
-***The Total and Permanent Disability Benefit (only applicable if Booster is selected) will cease at the policy anniversary where the Life Assured has attained the age
of 65 years.

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.

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 - 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
- 30 days waiting period shall now be based on the effective date of the rider, date of birth of the Life Assured, or reinstatement date, whichever is later.
- 120 days waiting period shall now be based on the effective date of the rider, 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 absorbed 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.

This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this policy.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
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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 illness;
- 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;
- 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. 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;
- 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.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 22 of 36
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?

Should you require additional information about medical and health insurance, please refer to the insuranceinfo booklet on ‘Medical & Health Insurance’, available at all
our branches or you can obtain a copy from your agent or visit www.insuranceinfo.com.my.

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:
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 03/06/2020

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 23 of 36
 PRODUCT DISCLOSURE SHEET
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 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 50,000.00(i.e. rider Sum Assured);
- Accidental Dismemberment Benefit - Up to RM 50,000.00, by reference to the Schedule of Indemnity below;
- Passenger Aviation Indemnity Benefit** - Up to RM 50,000.00, 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

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 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.

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 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.

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 25 of 36
6. What are the major exclusions under this policy?
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 intoxicating 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 policy?

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?
Should you require additional information about personal accident insurance, please refer to the insuranceinfo booklet on 'Personal Accident Insurance', available at all our
branches or you can obtain a copy from your agent or visit www.insuranceinfo.com.my.

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:
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 03/06/2020

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 26 of 36
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 2019 is as follows:
Asset Type % of NAV of the Fund
Equity 89.46
Net Cash 10.54

Country Fund (%)

Malaysia 100.0

Sector Fund (%)

Financial Services 23.4
Consumer Products & Services 12.4
Telecommunications & Media 6.7
Utilities 6.6
Plantation 5.4
Industrial Products & Services 9.7
Health Care 1.7
Transportation & Logistics 2.2
Energy 12.4
Technology 7.8
Construction 3.7
Property 1.7
Cash 10.5

Top 10 Holdings
Security Name % NAV
1. MALAYAN BANKING BERHAD 7.30
2. PUBLIC BANK BERHAD 6.75
3. TENAGA NASIONAL BHD 6.64
4. CIMB GROUP HOLDINGS BERHAD 4.92
5. AXIATA GROUP BERHAD 2.79

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 27 of 36
GENERAL INFORMATION DESCRIPTION

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)
2010 20.23 21.76 (1.53)
2011 1.35 1.94 (0.59)
2012 12.25 9.60 2.65
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 14.21 12.74 1.47
2018 (12.50) (9.28) (3.22)
2019 0.66 (2.88) 3.54
Source: Monthly fund review
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 28 of 36
GENERAL INFORMATION DESCRIPTION

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.

Page 29 of 36
FUND FACT SHEET - TokioMarine-Managed Fund

GENERAL INFORMATION DESCRIPTION

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 2019 is as follows:
Asset Type % of NAV of the Fund
TokioMarine-Enterprise Fund 68.63
TokioMarine-Bond Fund 31.37

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)
2010 16.58 2.76 13.82
2011 2.24 3.04 (0.80)
2012 10.38 3.15 7.23
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)
Source: Monthly fund review
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 30 of 36
GENERAL INFORMATION DESCRIPTION

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.

Page 31 of 36
Acknowledgement

Proposed Plan: TokioMarine-iLifeSecure 2

Name of Life Assured: MDM. MANIMALAR

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 iHealth+ rider:

1.I, the Policy Owner, understand that I need to be covered under TokioMarine-iLady while the Life Assured is covered with iBaby rider in order to be
eligible for iHealth+ rider.
2.I also understand that the coverage for iHealth+ 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:

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

Prepared By: NEXUS RISK MANAGEMENT (M) SDN BHD
Date Printed: 03/06/2020 1:55:19PM iVersion 7.2.0 Page 32 of 36
 WHAT SERVICES 2• WHEN YOU DECIDE TO BUY A POLICY
Assist You With The Policy Application
CAN YOU EXPECT FROM
• Explain the importance of answering the questions in the
OUR AGENT? proposal form fully and accurately.
• Submit your application for underwriting after you have signed
Our Company offers life insurance products through our the proposal form.
agency force, bank partners, online channel, etc. If you • Arrange for medical examination with one of our panel clinics,
intend to purchase a life insurance product from our if required.
agents, you can enjoy these value-added services. • Provide information on making a nomination to ensure policy
Service moneys are received by your nominees in the event of death.

Guide Explain The Policy Terms And Conditions

1• BEFORE YOU BUY A POLICY • Your policy document will be delivered to you (by hand or via
post) within 14 days.
Deal Only With Registered Agents • Go through the policy terms and conditions with you to ensure
You can check the status of the agent via the Life Insurance that this is the right plan that you have purchased.
Association of Malaysia’s (LIAM) website or via Short Message
Service (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 Continuous Policy Servicing
• Go through with you the Customer Fact Find form to understand • Assist in renewal of policy.
your insurance needs and financial goals. • Provide continuous service e.g. policy modifications, change of
• Recommend suitable insurance plan after assessing your address and frequency of premium payments. If the agent has

Page 33 of 36
needs. left the Company, we shall appoint a new agent to service you.

Explain Product Features Assist You In Making A Claim

• Explain the product features, benefits payable, exclusions, Guide you through the standard procedures on how to file an
premiums and charges. insurance claim.
• Provide Product Disclosure Sheet to assist you in making
okio Marine Life Insurance Malaysia Bhd.
informed decision and to facilitate product comparison. [199801001430 (457556-X)]

Tokio Marine Life Insurance Malaysia Bhd.

[199801001430 (457556-X)]
 Now, you can check the status of If you are not satisfied with the services of our
insurance agents at your fingertips! agent, or require additional support from our
Company, you may call us at 03-2603 3999 or write
to us at customercare@tokiomarinelife.com.my.

Via Internet Via SMS CUSTOMER PORTAL

Please visit our Customer portal at https://www.
Enter agent’s MyKad / Old IC / LIAM No. Language E-English, M-Bahasa Malaysia, C-Chinese tokiomarinelife.com.my/eServices for online
Search A-MyKad / Old IC, B-LIAM No. access to your policy information.

www.liam.org.my
Type :
LIAMENQ <space>
< Messages 63633

Language(E/M/C) <space>
LIAMENQ E A
881212115168 Search(A/B) <space>
(MyKad / Old IC / LIAM No.)
and SEND TO 63633

SMS charges at 0.15 sen

per message apply

Send
Key in MyKad or
LIAM No,
SEARCH Result

Page 34 of 36
< Messages 63633 < Messages 63633

LIAMENQ E A LIAMENQ E A
881212115168 881212115168

RM0.00 RM0.00
<881212115168> <881212115168>
1 JACKY CHAN Registered AIA
TAN MEI MEI is is not registered
Registered registered with with LIAM
LIAM under ABC
Agent
Tokio Marine Life Insurance Malaysia Bhd.
[199801001430 (457556-X)]
Registered Agent Not Registered Agent
Send Send Licensed under the Financial Services Act 2013
Agent not registered with LIAM
for MyKad / Other IC No. 881212115168
and is regulated by Bank Negara Malaysia.

Not Registered Ground Floor, Menara Tokio Marine Life,

Agent 189, Jalan Tun Razak, 50400 Kuala Lumpur.
General Line : (603) 2059 6188
Fax : (603) 2162 8068
Customer Care Hotline : (603) 2603 3999
tokiomarine.com December 2019
 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