All ages mentioned refer to age next birthday.

1. Maturity Benefit will comprise:
   a) the Guaranteed Maturity Value, which is 160% of Sum Assured (less any Guaranteed Cash Benefits that were paid);
   b) any reinvested Guaranteed Cash Benefits with non-guaranteed interest (if not previously withdrawn); and
   c) the accumulated Reversionary Bonus and Terminal Bonus (if any), less any amount owing to Singapore Life Ltd.
   It will be payable on the Maturity Date, in one lump sum as long as the Life Assured lives to the Maturity Date and the policy is still in force.
   
   
2. The yearly guaranteed cash payouts refer to the Guaranteed Cash Benefits that will start from the end of the second policy year, payable at the end of each policy year, till the policy year before maturity, as long as the Life Assured lives. Each Guaranteed Cash Benefit is equivalent to 5% of the Sum Assured on the basic plan. Please refer to the Product Summary for more details.
   
   
3. For the reinvestment option, please refer to the Policy Illustration for the prevailing non-guaranteed interest rate. We reserve the right to revise the non-guaranteed interest rate based on future experience.
   
   
4. The Sum Assured is not the Death Benefit. It is used to determine the Guaranteed Cash Benefits payable, Guaranteed Maturity Value and Accidental Death Benefit.
   
   
5. The potential lump-sum bonus refer to the projected bonuses which are made up of accumulated Reversionary Bonus and Terminal Bonus (if any). The Reversionary Bonus and Terminal Bonus are non-guaranteed bonuses and depend on the performance of Singapore Life Ltd.’s participating fund. Please refer to the Product Summary for more details. 
   
   
6. Potential returns are based on a non-smoker who chose a Sum Assured of S$60,000 paying annual premiums for a 25-year premium payment term and policy term. The 2.83% per annum is derived based on the illustrated investment rate of return of 4.25% per annum, assuming the Guaranteed Cash Benefits are reinvested at the non-guaranteed interest rate of 3% per annum. 
   
   
7. Upon death of the Life Assured within the policy term, the lump-sum payout payable will comprise: 
    a) the higher of:
       (i) 101% of the total premiums paid on the basic plan, less any Guaranteed Cash Benefits paid; or
       (ii) the Guaranteed Cash Surrender Value; 
   b) the accumulated Reversionary Bonus and Terminal Bonus (if any); and
   c) any reinvested Guaranteed Cash Benefits with non-guaranteed interest (if not previously withdrawn), less any amount owing to Singapore Life Ltd.
   
   Upon diagnosis of Terminal Illness of the Life Assured while the policy is in force, Singapore Life Ltd. will pay the Terminal Illness Benefit as an advance payment of the Death Benefit in one lump sum. Please refer to the Product Summary for details.
   
   
8.  Singapore Life Ltd. will pay the Sum Assured on the basic plan, in addition to the Death Benefit in one lump sum, if death is due to accidental injury and occurs before age 80 within the policy term. 
   
   
9. For more details on the riders, please refer to the respective Product Summaries.