All Business Partners From: Anne Weedon Partnership ...prdlib.convoy.com.hk/prdportal/File/Product...

“We”, “AIA” or “AIA Hong Kong” or “the Company” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability). AIA

For Internal Use Only

AIA Hong Kong

12/F, AIA Financial Centre, 712 Prince Edward Road East, Kowloon, Hong Kong

T: (852) 2881 3333

AIA.COM.HK

Memo

Attn:

All Business Partners From:

Anne Weedon

Dept:

Partnership Distribution

Date: 9 August, 2013 Total page: 3 pages Subject:

(Ref: A2013105) 3 3( ) The Launch of “Forever Love Coupon Plan 3” and “Forever Love Coupon Plan 3 (Enhanced Protection)”

2 2013 8 12 ( )

3 3( )

3 3( ) 2 3

4 (6, 10, 15, 20 )

5 1.8%

5, 8, 11, 14, 17 20 3% 3 (6 ) 6 ^

^ , ,

0.25%

2 2( ) (ref:A2013069) 3 3(

) 2 2( )2013 8 31

3972 8899

“We”, “AIA” or “AIA Hong Kong” or “the Company” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability). AIA


AIA Hong Kong

12/F, AIA Financial Centre, 712 Prince Edward Road East, Kowloon, Hong Kong

T: (852) 2881 3333

AIA.COM.HK

Memo

Following the Forever Love Coupon Plan 2 series, AIA Hong Kong is pleased to launch Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection), effective from 12 August, 2013 (the first application date). New products: Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection) The product features of these new products are similar to Forever Love Coupon Plan 2 series. Key features of Forever Love Coupon Plan 3 series are as follows:

4 choices of premium payment periods (6, 10, 15, 20 years) Distribution of guaranteed cash payment

Policy Anniversary Percentage of Face Amount 5 and every year thereafter 1.8%

5, 8, 11, 14, 17 and 20 extra 3% Prepayment of up to 6 years of premiums when purchasing Forever Love Coupon Plan 3

series with 6-year premium payment period^

^ After deducting the initial policy premium, the remaining amount will then be deposited at a non-guaranteed interest rate into the Future Premium Deposit Account which will be used to pay the policy premium for the following years. For your information, the current interest rate for the Future Premium Deposit Account is 0.25% per annum.

For the product details, please refer to the launch pack. For details of the launch arrangements, please refer to the enclosure. Close of Forever Love Coupon Plan 2 and Forever Love Coupon Plan 2 (Enhanced Protection) As mentioned in the separate memo (ref: A2013069) sent earlier, after the launch of Forever Love Coupon Plan 3 series, Forever Love Coupon Plan 2 and Forever Love Coupon Plan 2 (Enhanced Protection) will be closed for new application. Last application date is 31 August, 2013. Kindly convey the above message to all your fellow qualified Technical Representatives. For any enquiries, please feel free to call our Brokerage & IFA Hotline 3972 8899. Best regards,

Anne Weedon Head of Partnership Distribution


2013 8 12 Partnership Distribution Corner

11.0 (Ref: A2013107)

3 PTA999145.0813 PTA999146.0813

3 ( )

PTA999147.0813 PTA999148.0813

2013 8 12 Partnership Distribution Corner

Enclosure: Launch Arrangement Launch Pack The electronic version will be ready for download by technical

representatives in Partnership Distribution Corner on 12 August 2013

PGS 11.0 Please refer to the separate memo (Ref: A2013107) on the arrangement of the update.

Brochure

PTA No.: PTA No. Forever Love Coupon Plan 3

Traditional Chinese Version

PTA999145.0813

English Version PTA999146.0813 Forever Love Coupon Plan 3 (Enhanced Protection)

Traditional Chinese Version

PTA999147.0813

English Version PTA999148.0813 The electronic version will be ready for download by technical

representatives in Partnership Distribution Corner on 12 August 2013

3 3( )

1

I. .................................................................................................................................. 2 II. ....................................................................................................................... 3 III. ........................................................................................................................... 5 IV. ........................................................................................................................... 6 V. ................................................................................................................................ 11

: A. ............................................................................................................................... 13 B. ............................................................................................................................... 15 C. ....................................................................................................................... 15 D. ........................................................................................................................ 17 E. ........................................................................................................ 18 F. ............................................................................................................................... 18

: - 3 .............................................................................. 19

3 (WP)

(WPCI Pro)

: - 3( ) .............................................................. 24 3( ) (WP)

(WPCI Pro)

3 3( )

2

I.

2

2

18-30

0-5

41-60

* 2 2013 7 4 / 2013 7 4

~20% ~26% ~58% *

( )

3 3( )

3

II. 2 ( 2013 7 4 )

2 18-30 0-531-40 18-30

18-30

2 31-40 0-5 2

3 3( )

4

2 5

320

10

54%

60%

46%

40%

5 4%

6 24%

10 27%

15 17%

20 28%

3 3( )

5

III.

2007 1 30

Bloomberg ( 2013 2 )

2007 1 30 ( A)

Bloomberg ( 2013 2 ) (Standard & Poor’s)

3 3( )

6

IV.

2013 8 12 ( ) 3 2013 9 1 2

3 2

FLCP3

FLCP3 (EP) FLCP 2

FLCP 2 (EP)

4

6, 10, 15, 20 5

5, 6, 10, 15, 20

5

1.8%

5-20( )

1.5%

21 2% 5, 8, 11, 14, 17

20 3% 5, 10, 15 20 5%

–

6 / 10 / 15 / 20

[ FLCP 2 FLCP 2(EP) ]

9.0%

3

(6 )6 ^

2 (5 )

5 ^

^ , ,

0.25%

3 3( )

3 3( )

7

3 (FLCP3) 2 (FLCP2) 3(

) (FLCP3 (EP)) 2( ) (FLCP2(EP))

=$50,000

FLCP 3 Vs. FLCP 2 0 40 (IRR) FLCP 3 FLCP 2 FLCP 3 FLCP 2

20 0.96% 1.70% 1.31% 1.64% 30 1.49% 2.04% 1.70% 1.96%

20 3.94% 4.53% 4.07% 4.47% 30 4.36% 4.69% 4.43% 4.68%

( ) 14 11 13 11 ( ) 10 9 10 9

FLCP 3 (EP) Vs. FLCP 2 (EP) 0 40

(IRR) FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

20 0.86% 1.59% 1.17% 1.50% 30 1.41% 1.97% 1.60% 1.86%

20 3.85% 4.44% 3.95% 4.35% 30 4.31% 4.63% 4.35% 4.60%

( ) 15 12 13 12 ( ) 10 9 10 9

: , 12

20 0 0.7% 40 0.3%

30 0 0.6% 40 0.3%

20

0 0.6% 40 0.4%

30 0 0.3% 40 0.3%

= 6

3 3( )

8


20 0.92% 1.75% 1.07% 1.46% 30 1.89% 2.50% 1.95% 2.26%

20 3.82% 4.44% 3.85% 4.30% 30 4.44% 4.81% 4.46% 4.75%

( ) 15 11 14 12 ( ) 10 10 10 10


(IRR) FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

20 0.79% 1.63% 0.94% 1.33% 30 1.80% 2.41% 1.86% 2.17%

20 3.72% 4.35% 3.75% 4.20% 30 4.38% 4.75% 4.40% 4.69%

( ) 16 12 13 13 ( ) 11 10 10 10

: , 12

20 0 0.8% 40 0.4%

30 0 0.6% 40 0.3%

20

0 0.6% 40 0.5%

30 0 0.4% 40 0.3%

= 10

3 3( )

9


20 0.01% 0.90% 0.36% 0.77% 30 1.45% 2.06% 1.63% 1.92%

20 3.31% 3.93% 3.37% 3.79% 30 4.21% 4.51% 4.25% 4.46%

( ) 20 16 19 17 ( ) 11 10 11 10


(IRR) FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

20 -0.11% 0.78% 0.29% 0.70% 30 1.38% 1.98% 1.58% 1.87%

20 3.22% 3.84% 3.31% 3.73% 30 4.16% 4.46% 4.21% 4.43%

( ) 21 17 19 17 ( ) 11 10 11 10

: , 12

20 0 0.9% 40 0.4%

30 0 0.6% 40 0.3%

20

0 0.6% 40 0.4%

30 0 0.3% 40 0.2%

= 15

3 3( )

10


20 -0.96% 0.23% -0.30% 0.29% 30 1.19% 1.88% 1.46% 1.82%

20 2.79% 3.47% 2.86% 3.33% 30 4.00% 4.30% 4.02% 4.27%

( ) 23 19 21 19 ( ) 11 10 11 10


(IRR) FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

20 -1.12% 0.07% -0.40% 0.19% 30 1.10% 1.79% 1.40% 1.76%

20 2.68% 3.37% 2.78% 3.26% 30 3.94% 4.24% 3.98% 4.23%

( ) 24 20 22 19 ( ) 11 10 11 11

2013 8 “ ” ( ) ; “ ” [ ( ) ( )]

“ ” ( ) “” [ ( ) ( )]

20 0 1.2% 40 0.6%

30 0 0.7% 40 0.4%

20

0 0.7% 40 0.5%

30 0 0.3% 40 0.3%

= 20

3 3( )

11

V.

3

(1) (2) (3) 4%

( )

12 (3)

100

$35 4 (2)(3)

100 13

21

3 (20 ) $60,000 $3,756

($2000 ) $540 (1)

3 3( )

12

?

3 6 100

(1) ( ) ( )

( ) ( )

(2)

4%

18

3$25,000 (1)

65 ( 65 ) $110 (2)

11

18 19 20

35 ( 35 )

$26 5 (2) 2.7

36(0 )

3 (6 ) $100,000 $16,557

3 3( )

13

:

3 [FLCP3]

3 ( ) [FLCP3 (EP)]

2013 8 12 ( )

/

6 ACT6P5 6 ACUT6P5

10 ACT10P5 10 ACUT10P5 15 ACT15P5 15 ACUT15P5 20

ACT20P5 20 ACUT20P5

B36000000x – B36499999x

B66000000x – B66499999x B96000000x – B96499999x

G38070000x – G38089999x G68070000x – G68089999x G98070000x – G98089999x

A.

FLCP3 FLCP3 (EP) 1. 100

2. -

(1)

5 1.8% 5, 8, 11, 14, 17 20 3%

- ( 3)

( ) -

( ) - ; 10

3 3( )

14

FLCP3 FLCP3 (EP)

3. (i) (2)

(ii)

(iii) ( ) (iv) ( )

( )

(4)

(i) (1) (2)

(ii)

(iii) ( ) (iv) ( )

( )

(i) (1) (2)

(3)

(ii)

(iii) ( ) (iv) ( )

( )

4. (i) (1) (2) (ii)

(iii) ( ) (iv) ( )

( )

5.

6. (APL)

APL

(APL) APL

7.

8. (1) (2)

(3)

(1) 3

3( ) (2)

(3) ( ) 100 (4)

3 3( )

15

B. FLCP3 FLCP3 (EP)

1. (Level and guaranteed)

2. 6 / 10 / 15 / 20

3. ( )

( )

4. / / /

5.

(US$)

( ) 6 10 15 20

5,000 – 9,999 +9.00 +5.00 +4.00 +4.00 10,000 – 19,999 +4.00 +2.25 +1.75 +1.75 20,000 – 34,999 +1.25 +0.75 +0.50 +0.50 35,000 – 74,999 N/A N/A N/A N/A 75,000 – 149,999 -0.75 -0.50 -0.25 -0.25 150,000 -1.00 -0.75 -0.50 -0.50

C.

FLCP3 FLCP3 (EP) 1.

6 10 15 20

0 65 0 60 0 55 0 55

2. 5,000

3.

4. (US$)

5. WP( 3( ) ) WP WPCI Pro SCIR Pro ECIR Pro PB PBCI Pro SGHR HB AI ADD SADDADB Term Riders PCR Pro PACS CEO Medical Rider Regal Health Rider

6. 1,000,000(5)

7.

(5) 3 ( ) 2 ( ) 1,000,000 / 7,500,000

3 3( )

16

FLCP3 FLCP3 (EP)

8. - DB5L DB5M ( )

DB5N ( ) - DB4I DB4K - DB4H DB4J - AECG AECH - (6 ) DB6R DB9E - (10 ) DB9B DB9F - (15 ) DB9C DB9G - (20 ) DB9D DB9H -

Contract Library

3 3( )

17

D. FLCP3 FLCP3 (EP)

1. 3

( ) 2 (

) 1,000,000 / 7,500,000

2. 3

( ) 2 (

) 1,000,000 / 7,500,000

(AMLG) /

3. 3

( ) 2 (

) 1,000,000 / 7,500,000

()

(temporary flat amount rating)

(permanent flat amount rating) 1 $2.50

(MR) (NR) 0 50

MR‘D’* (permanent flat amount rating)

51 65 MR‘B’*

(permanent flat amount rating)

* (NR) (MR+NR)

MR“B” “P”

4.

5.

6. (Date Back) (Date Forward)

7. (OPUAIF00)

8.

3 3( )

18

E. FLCP3 FLCP3 (EP)

1.

2.

3. 1,000,000 / 7,500,000 (5)

4. (Appeal Loading)

5. ( )3 3 ( )

3 3 ( ) :

3 D (1)

- (OPPOSF04) - (OPPOSF07) (2)

(1) [ ] – [

] + [ ]

(2)

6.

7.

8. 3 3( )

( 60) ( 70) ( 80)

(Ref: A2010097) (Ref: A2011095)

F.

FLCP3 FLCP3 (EP) 1. (PGS) PGS 11.0

2. PTA999145.0813

PTA999146.0813

PTA999147.0813 PTA999148.0813

Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection)

19 For Internal Reference Only

: 3 Appendix 2: Premium Rate Table - Forever Love Coupon Plan 3

3 ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Per $1,000 Face Amount) – Male

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 166.32 95.91 72.49 59.25 36 181.56 106.12 82.65 69.36 1 166.55 96.07 72.53 59.30 37 182.15 106.57 83.43 69.96 2 166.80 96.25 72.59 59.35 38 182.76 107.05 84.24 70.57 3 167.09 96.45 72.67 59.42 39 183.37 107.54 85.09 71.20 4 167.38 96.66 72.77 59.50 40 183.98 108.04 85.97 71.87 5 167.72 96.89 72.88 59.60 41 184.61 108.55 86.87 72.58 6 168.07 97.12 73.00 59.72 42 185.23 109.10 87.84 73.36 7 168.42 97.36 73.12 59.84 43 185.89 109.65 88.88 74.19 8 168.79 97.60 73.26 59.97 44 186.54 110.26 89.99 75.10 9 169.15 97.85 73.40 60.11 45 187.23 110.92 91.20 76.13 10 169.53 98.11 73.54 60.27 46 187.93 111.66 92.55 77.27 11 169.90 98.36 73.69 60.42 47 188.66 112.51 94.06 78.56 12 170.28 98.61 73.85 60.58 48 189.42 113.51 95.75 80.01 13 170.66 98.87 74.01 60.75 49 190.21 114.70 97.65 81.64 14 171.05 99.14 74.17 60.93 50 191.02 116.10 99.81 83.47 15 171.45 99.40 74.35 61.12 51 191.87 117.73 102.23 85.51 16 171.85 99.67 74.53 61.32 52 192.74 119.65 104.93 87.77 17 172.25 99.94 74.73 61.54 53 193.68 121.84 107.93 90.26 18 172.67 100.21 74.95 61.77 54 194.68 124.30 111.22 92.98 19 173.09 100.50 75.18 62.03 55 195.80 127.06 114.82 95.93 20 173.52 100.78 75.42 62.30 56 197.03 129.88 21 173.94 101.05 75.68 62.60 57 198.40 132.73 22 174.38 101.34 75.95 62.93 58 199.94 135.64 23 174.83 101.62 76.25 63.26 59 201.65 138.57 24 175.27 101.93 76.56 63.63 60 203.54 141.59 25 175.73 102.23 76.90 64.02 61 205.62 26 176.20 102.54 77.26 64.41 62 207.90 27 176.68 102.86 77.64 64.83 63 210.36 28 177.18 103.19 78.05 65.27 64 213.02 29 177.68 103.53 78.49 65.72 65 215.87 30 178.20 103.86 78.96 66.18 31 178.74 104.20 79.47 66.68 32 179.28 104.55 80.03 67.18 33 179.84 104.92 80.62 67.69 34 180.40 105.30 81.25 68.23 35 180.97 105.72 81.94 68.79




3 ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Per $1,000 Face Amount) – Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 165.59 95.49 72.18 58.98 36 179.03 105.08 80.52 66.47 1 165.85 95.66 72.22 59.05 37 179.49 105.49 81.15 66.89 2 166.13 95.83 72.29 59.12 38 179.95 105.94 81.79 67.34 3 166.42 96.03 72.37 59.21 39 180.42 106.42 82.48 67.79 4 166.73 96.23 72.46 59.31 40 180.89 106.93 83.20 68.27 5 167.04 96.44 72.56 59.42 41 181.38 107.48 83.95 68.77 6 167.36 96.66 72.68 59.52 42 181.86 108.07 84.76 69.30 7 167.70 96.90 72.80 59.64 43 182.35 108.71 85.63 69.88 8 168.03 97.13 72.92 59.76 44 182.85 109.39 86.57 70.51 9 168.36 97.37 73.05 59.88 45 183.36 110.12 87.59 71.21 10 168.70 97.60 73.18 60.02 46 183.88 110.92 88.72 71.98 11 169.05 97.85 73.30 60.15 47 184.41 111.78 89.94 72.86 12 169.39 98.10 73.43 60.28 48 184.95 112.71 91.29 73.83 13 169.73 98.34 73.56 60.42 49 185.51 113.71 92.77 74.92 14 170.09 98.59 73.71 60.56 50 186.08 114.80 94.38 76.13 15 170.45 98.84 73.85 60.71 51 186.67 115.98 96.14 77.46 16 170.82 99.10 74.00 60.88 52 187.28 117.23 98.03 78.91 17 171.20 99.35 74.16 61.04 53 187.93 118.59 100.07 80.50 18 171.58 99.62 74.34 61.20 54 188.60 120.06 102.26 82.22 19 171.96 99.89 74.51 61.38 55 189.31 121.64 104.60 84.06 20 172.35 100.15 74.71 61.56 56 190.06 123.39 21 172.73 100.42 74.90 61.75 57 190.88 125.33 22 173.12 100.68 75.12 61.94 58 191.77 127.53 23 173.53 100.97 75.34 62.16 59 192.77 130.00 24 173.92 101.25 75.57 62.39 60 193.90 132.77 25 174.33 101.52 75.81 62.64 61 195.20 26 174.74 101.82 76.08 62.90 62 196.82 27 175.14 102.10 76.37 63.19 63 198.96 28 175.57 102.39 76.68 63.49 64 201.68 29 175.98 102.70 77.03 63.82 65 205.01 30 176.39 102.99 77.42 64.16 31 176.83 103.31 77.85 64.51 32 177.26 103.64 78.31 64.88 33 177.69 103.98 78.82 65.25 34 178.13 104.31 79.35 65.64 35 178.59 104.68 79.92 66.05




(WP) ( 1,000 ) Annual Premium Rate for Waiver of Premium (WP) (Per $1,000 Face Amount)

Male Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 16 0.29 0.26 0.27 0.28 16 0.29 0.25 0.27 0.28 17 0.29 0.26 0.27 0.28 17 0.29 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 19 0.29 0.26 0.27 0.28 19 0.29 0.26 0.27 0.28 20 0.29 0.26 0.27 0.29 20 0.29 0.26 0.27 0.28 21 0.29 0.26 0.27 0.29 21 0.29 0.26 0.27 0.29 22 0.29 0.26 0.28 0.30 22 0.29 0.26 0.27 0.29 23 0.29 0.26 0.28 0.30 23 0.29 0.26 0.28 0.30 24 0.30 0.26 0.28 0.31 24 0.29 0.26 0.28 0.30 25 0.30 0.26 0.29 0.32 25 0.29 0.26 0.28 0.31 26 0.30 0.27 0.29 0.33 26 0.29 0.27 0.29 0.33 27 0.30 0.27 0.30 0.35 27 0.30 0.27 0.30 0.34 28 0.30 0.28 0.31 0.37 28 0.30 0.27 0.31 0.36 29 0.31 0.28 0.32 0.39 29 0.31 0.28 0.32 0.38 30 0.31 0.29 0.34 0.42 30 0.31 0.29 0.34 0.41 31 0.32 0.30 0.36 0.46 31 0.32 0.30 0.36 0.45 32 0.34 0.32 0.39 0.51 32 0.33 0.32 0.38 0.49 33 0.35 0.33 0.42 0.56 33 0.34 0.33 0.42 0.54 34 0.36 0.36 0.47 0.62 34 0.36 0.35 0.46 0.60 35 0.38 0.39 0.52 0.70 35 0.38 0.38 0.51 0.67 36 0.41 0.42 0.58 0.79 36 0.41 0.42 0.57 0.76 37 0.45 0.47 0.65 0.89 37 0.44 0.46 0.64 0.86 38 0.49 0.53 0.74 1.01 38 0.48 0.52 0.72 0.98 39 0.55 0.59 0.85 1.16 39 0.54 0.59 0.82 1.11 40 0.62 0.68 0.97 1.32 40 0.61 0.67 0.94 1.27 41 0.71 0.78 1.11 1.54 41 0.70 0.77 1.08 1.48 42 0.81 0.89 1.28 1.77 42 0.80 0.88 1.25 1.70 43 0.94 1.02 1.48 2.03 43 0.92 1.02 1.43 1.95 44 1.08 1.17 1.70 2.30 44 1.06 1.17 1.65 2.21 45 1.24 1.34 1.95 2.60 45 1.22 1.34 1.90 2.49 46 1.41 1.53 2.31 2.92 46 1.39 1.53 2.24 2.80 47 1.60 1.75 2.69 3.26 47 1.57 1.75 2.62 3.13 48 1.82 2.00 3.11 3.64 48 1.78 2.00 3.03 3.48 49 2.07 2.28 3.57 4.06 49 2.02 2.28 3.47 3.87 50 2.35 2.62 4.08 4.52 50 2.30 2.62 3.96 4.30 51 2.78 3.28 4.82 5.22 51 2.72 3.27 4.67 4.95 52 3.30 4.04 5.68 6.02 52 3.22 4.02 5.48 5.68 53 3.91 4.93 6.69 6.95 53 3.82 4.89 6.42 6.53 54 4.63 5.96 7.85 8.03 54 4.52 5.88 7.50 7.50 55 6.00 7.17 9.22 9.29 55 5.86 7.02 8.75 8.61




(WPCI Pro) ( 1,000 ) — Annual Premium Rate for Waiver of Premium (Critical Illness) Pro (WPCI Pro) (Per $1,000 Face Amount) – Male

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.17 0.15 0.16 0.16 31 0.74 0.79 1.09 1.49 1 0.17 0.15 0.16 0.16 32 0.84 0.90 1.24 1.70 2 0.17 0.15 0.16 0.16 33 0.96 1.03 1.43 1.94 3 0.17 0.15 0.16 0.16 34 1.09 1.18 1.63 2.20 4 0.17 0.15 0.16 0.16 35 1.25 1.35 1.87 2.50 5 0.17 0.15 0.16 0.16 36 1.42 1.54 2.13 2.83 6 0.17 0.15 0.16 0.16 37 1.63 1.76 2.43 3.21 7 0.17 0.15 0.16 0.16 38 1.86 2.00 2.78 3.62 8 0.17 0.15 0.16 0.17 39 2.12 2.29 3.16 4.07 9 0.17 0.15 0.16 0.17 40 2.43 2.60 3.59 4.57

10 0.17 0.15 0.16 0.17 41 2.77 2.96 4.06 5.12 11 0.17 0.15 0.16 0.18 42 3.15 3.35 4.59 5.72 12 0.17 0.15 0.16 0.18 43 3.57 3.78 5.16 6.37 13 0.17 0.15 0.17 0.19 44 4.03 4.25 5.79 7.08 14 0.17 0.15 0.17 0.20 45 4.55 4.78 6.49 7.84 15 0.17 0.15 0.18 0.22 46 5.11 5.34 7.25 8.67 16 0.17 0.16 0.19 0.23 47 5.72 5.96 8.08 9.57 17 0.17 0.16 0.20 0.26 48 6.38 6.62 8.98 10.55 18 0.18 0.17 0.21 0.28 49 7.09 7.35 9.97 11.60 19 0.18 0.18 0.23 0.31 50 7.85 8.15 11.04 12.75 20 0.19 0.20 0.26 0.35 51 8.65 9.01 12.21 14.00 21 0.20 0.22 0.29 0.39 52 9.49 9.93 13.48 15.36 22 0.22 0.24 0.33 0.45 53 10.34 10.91 14.85 16.81 23 0.26 0.28 0.38 0.51 54 11.26 11.98 16.34 18.41 24 0.30 0.32 0.43 0.59 55 12.25 13.15 17.98 20.15 25 0.34 0.36 0.49 0.67 56 13.30 14.38 26 0.39 0.42 0.56 0.77 57 14.36 15.66 27 0.44 0.47 0.64 0.88 58 15.44 16.99 28 0.50 0.54 0.73 1.00 59 16.55 18.37 29 0.57 0.61 0.83 1.14 60 17.67 19.83 30 0.65 0.69 0.95 1.31




(WPCI Pro) ( 1,000 ) — Annual Premium Rate for Waiver of Premium (Critical Illness) Pro (WPCI Pro) (Per $1,000 Face Amount) – Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.23 0.20 0.22 0.22 31 1.28 1.34 1.70 2.08 1 0.23 0.20 0.22 0.22 32 1.45 1.50 1.88 2.29 2 0.23 0.21 0.22 0.22 33 1.63 1.68 2.09 2.52 3 0.23 0.21 0.22 0.22 34 1.82 1.86 2.31 2.76 4 0.23 0.21 0.22 0.22 35 2.03 2.06 2.54 3.02 5 0.23 0.21 0.22 0.23 36 2.23 2.26 2.78 3.29 6 0.24 0.21 0.22 0.23 37 2.46 2.47 3.04 3.58 7 0.24 0.21 0.22 0.23 38 2.69 2.70 3.31 3.88 8 0.24 0.21 0.22 0.23 39 2.94 2.94 3.60 4.20 9 0.24 0.21 0.22 0.24 40 3.20 3.19 3.91 4.54 10 0.24 0.21 0.22 0.25 41 3.47 3.45 4.24 4.91 11 0.24 0.21 0.22 0.26 42 3.75 3.74 4.60 5.29 12 0.24 0.21 0.23 0.27 43 4.04 4.03 4.97 5.70 13 0.24 0.21 0.24 0.29 44 4.34 4.35 5.38 6.14 14 0.24 0.21 0.25 0.31 45 4.67 4.69 5.82 6.61 15 0.24 0.22 0.26 0.33 46 5.02 5.05 6.30 7.13 16 0.24 0.22 0.28 0.37 47 5.39 5.44 6.82 7.69 17 0.24 0.23 0.30 0.40 48 5.78 5.86 7.38 8.30 18 0.25 0.25 0.33 0.45 49 6.20 6.31 7.99 8.97 19 0.26 0.27 0.37 0.51 50 6.64 6.80 8.65 9.71 20 0.28 0.30 0.42 0.57 51 7.11 7.32 9.38 10.52 21 0.31 0.34 0.48 0.65 52 7.60 7.88 10.17 11.41 22 0.35 0.40 0.55 0.74 53 8.12 8.48 11.05 12.40 23 0.42 0.46 0.63 0.84 54 8.68 9.13 12.03 13.49 24 0.49 0.54 0.73 0.95 55 9.29 9.84 13.11 14.69 25 0.57 0.62 0.83 1.08 56 9.93 10.62 26 0.66 0.71 0.94 1.22 57 10.60 11.48 27 0.76 0.82 1.07 1.36 58 11.28 12.44 28 0.87 0.93 1.21 1.52 59 12.04 13.54 29 0.99 1.06 1.36 1.69 60 12.89 14.82 30 1.13 1.19 1.52 1.88



: 3 Appendix 3: Premium Rate Table - Forever Love Coupon Plan 3 (Enhanced Protection)

3( ) ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Enhanced Protection) (Per $1,000 Face Amount) – Male

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 168.85 97.37 73.32 59.96 36 185.26 107.82 83.30 69.77 1 169.10 97.52 73.34 59.98 37 185.86 108.28 84.08 70.39 2 169.40 97.70 73.37 60.03 38 186.48 108.76 84.90 71.05 3 169.71 97.88 73.41 60.09 39 187.12 109.25 85.76 71.74 4 170.05 98.08 73.47 60.17 40 187.80 109.75 86.66 72.46 5 170.41 98.31 73.54 60.27 41 188.52 110.25 87.57 73.23 6 170.79 98.55 73.64 60.38 42 189.28 110.78 88.55 74.04 7 171.17 98.79 73.75 60.50 43 190.07 111.32 89.60 74.92 8 171.59 99.05 73.88 60.61 44 190.90 111.91 90.74 75.86 9 171.99 99.30 74.02 60.76 45 191.76 112.58 92.00 76.91 10 172.39 99.56 74.16 60.90 46 192.66 113.35 93.39 78.07 11 172.81 99.81 74.32 61.05 47 193.55 114.26 94.95 79.37 12 173.22 100.08 74.48 61.20 48 194.46 115.34 96.70 80.82 13 173.64 100.36 74.64 61.37 49 195.38 116.63 98.68 82.46 14 174.07 100.62 74.81 61.54 50 196.30 118.13 100.88 84.30 15 174.50 100.89 74.98 61.73 51 197.21 119.88 103.35 86.35 16 174.93 101.15 75.17 61.92 52 198.15 121.85 106.09 88.64 17 175.38 101.44 75.35 62.13 53 199.12 124.04 109.10 91.15 18 175.84 101.72 75.55 62.36 54 200.16 126.43 112.38 93.89 19 176.30 102.00 75.76 62.59 55 201.28 129.00 115.93 96.88 20 176.77 102.30 75.98 62.85 56 202.53 131.70 21 177.23 102.59 76.21 63.11 57 203.95 134.53 22 177.70 102.87 76.47 63.41 58 205.52 137.49 23 178.18 103.18 76.75 63.71 59 207.27 140.57 24 178.67 103.48 77.03 64.04 60 209.23 143.75 25 179.17 103.79 77.36 64.40 61 211.36 26 179.69 104.12 77.71 64.78 62 213.71 27 180.21 104.44 78.08 65.18 63 216.23 28 180.74 104.76 78.49 65.62 64 218.98 29 181.29 105.10 78.95 66.06 65 221.92 30 181.84 105.45 79.43 66.53 31 182.39 105.81 79.97 67.02 32 182.96 106.17 80.55 67.53 33 183.52 106.55 81.17 68.05 34 184.10 106.95 81.84 68.59 35 184.67 107.38 82.55 69.17




3( ) ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Enhanced Protection) (Per $1,000 Face Amount) – Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 168.07 96.94 73.04 59.70 36 182.53 106.66 81.02 66.96 1 168.32 97.10 73.07 59.74 37 183.01 107.08 81.66 67.44 2 168.59 97.28 73.12 59.79 38 183.51 107.53 82.35 67.94 3 168.88 97.47 73.18 59.84 39 184.02 108.01 83.08 68.46 4 169.20 97.67 73.26 59.92 40 184.57 108.53 83.84 69.01 5 169.53 97.88 73.35 59.99 41 185.13 109.08 84.65 69.59 6 169.88 98.11 73.44 60.08 42 185.70 109.68 85.51 70.19 7 170.24 98.34 73.55 60.18 43 186.29 110.32 86.42 70.82 8 170.61 98.58 73.67 60.28 44 186.91 111.02 87.39 71.49 9 170.98 98.82 73.79 60.39 45 187.53 111.77 88.44 72.21 10 171.36 99.07 73.91 60.50 46 188.18 112.59 89.58 72.99 11 171.74 99.31 74.03 60.61 47 188.83 113.47 90.81 73.85 12 172.12 99.56 74.16 60.73 48 189.50 114.41 92.15 74.78 13 172.51 99.80 74.28 60.85 49 190.17 115.42 93.62 75.83 14 172.91 100.06 74.41 60.99 50 190.86 116.51 95.23 77.00 15 173.30 100.31 74.56 61.12 51 191.55 117.68 96.99 78.29 16 173.70 100.57 74.70 61.26 52 192.24 118.93 98.90 79.73 17 174.12 100.84 74.84 61.40 53 192.93 120.30 100.97 81.32 18 174.52 101.10 75.00 61.55 54 193.63 121.81 103.20 83.07 19 174.95 101.37 75.17 61.72 55 194.35 123.45 105.59 84.97 20 175.36 101.63 75.34 61.90 56 195.09 125.28 21 175.78 101.92 75.53 62.09 57 195.91 127.32 22 176.22 102.20 75.72 62.29 58 196.84 129.56 23 176.65 102.47 75.94 62.51 59 197.93 132.01 24 177.08 102.75 76.16 62.74 60 199.24 134.69 25 177.53 103.05 76.40 62.99 61 200.81 26 177.96 103.33 76.66 63.26 62 202.67 27 178.41 103.63 76.94 63.55 63 204.87 28 178.86 103.93 77.26 63.84 64 207.38 29 179.31 104.23 77.60 64.17 65 210.25 30 179.76 104.54 77.97 64.51 31 180.21 104.86 78.38 64.87 32 180.66 105.17 78.83 65.24 33 181.11 105.51 79.32 65.64 34 181.58 105.87 79.84 66.05 35 182.05 106.25 80.41 66.49



: - 3( ) Appendix 3: Premium Rate Table - Forever Love Coupon Plan 3 (Enhanced Protection)


Male Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 16 0.29 0.26 0.27 0.28 16 0.29 0.26 0.27 0.28 17 0.30 0.26 0.27 0.28 17 0.29 0.26 0.27 0.28 18 0.30 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 19 0.30 0.26 0.27 0.29 19 0.29 0.26 0.27 0.28 20 0.30 0.26 0.27 0.29 20 0.30 0.26 0.27 0.29 21 0.30 0.26 0.27 0.29 21 0.30 0.26 0.27 0.29 22 0.30 0.26 0.28 0.30 22 0.30 0.26 0.27 0.29 23 0.30 0.27 0.28 0.30 23 0.30 0.26 0.28 0.30 24 0.30 0.27 0.28 0.31 24 0.30 0.27 0.28 0.31 25 0.30 0.27 0.29 0.32 25 0.30 0.27 0.29 0.32 26 0.30 0.27 0.29 0.33 26 0.30 0.27 0.29 0.33 27 0.31 0.28 0.30 0.35 27 0.30 0.27 0.30 0.34 28 0.31 0.28 0.31 0.37 28 0.31 0.28 0.31 0.36 29 0.31 0.29 0.33 0.40 29 0.31 0.29 0.32 0.39 30 0.32 0.30 0.34 0.43 30 0.32 0.29 0.34 0.42 31 0.33 0.31 0.37 0.46 31 0.33 0.31 0.36 0.45 32 0.34 0.32 0.39 0.51 32 0.34 0.32 0.39 0.49 33 0.35 0.34 0.43 0.56 33 0.35 0.34 0.42 0.55 34 0.37 0.36 0.47 0.63 34 0.36 0.36 0.46 0.61 35 0.39 0.39 0.52 0.70 35 0.39 0.39 0.51 0.68 36 0.42 0.43 0.58 0.79 36 0.41 0.43 0.57 0.77 37 0.46 0.48 0.66 0.90 37 0.45 0.47 0.64 0.87 38 0.50 0.53 0.75 1.02 38 0.49 0.53 0.73 0.99 39 0.56 0.60 0.85 1.17 39 0.55 0.60 0.83 1.12 40 0.63 0.69 0.98 1.33 40 0.62 0.68 0.95 1.29 41 0.72 0.79 1.12 1.55 41 0.71 0.78 1.09 1.50 42 0.83 0.90 1.29 1.79 42 0.82 0.90 1.26 1.73 43 0.96 1.04 1.49 2.05 43 0.94 1.03 1.45 1.97 44 1.11 1.19 1.71 2.32 44 1.09 1.18 1.67 2.24 45 1.27 1.36 1.97 2.62 45 1.25 1.36 1.92 2.53 46 1.45 1.55 2.33 2.95 46 1.42 1.55 2.27 2.84 47 1.65 1.77 2.72 3.30 47 1.61 1.77 2.64 3.17 48 1.87 2.03 3.14 3.68 48 1.83 2.03 3.06 3.53 49 2.12 2.32 3.61 4.10 49 2.07 2.32 3.50 3.92 50 2.42 2.66 4.13 4.57 50 2.36 2.65 4.00 4.35 51 2.86 3.34 4.88 5.27 51 2.79 3.32 4.71 5.00 52 3.39 4.12 5.75 6.08 52 3.31 4.08 5.53 5.74 53 4.02 5.02 6.76 7.02 53 3.92 4.96 6.48 6.60 54 4.76 6.06 7.93 8.11 54 4.64 5.96 7.57 7.57 55 6.17 7.28 9.31 9.38 55 6.02 7.13 8.83 8.71





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.17 0.15 0.16 0.16 31 0.75 0.80 1.09 1.50 1 0.17 0.15 0.16 0.16 32 0.85 0.92 1.25 1.71 2 0.17 0.15 0.16 0.16 33 0.98 1.05 1.44 1.95 3 0.17 0.15 0.16 0.16 34 1.12 1.20 1.64 2.21 4 0.17 0.15 0.16 0.16 35 1.27 1.37 1.88 2.52 5 0.17 0.15 0.16 0.16 36 1.45 1.56 2.15 2.85 6 0.17 0.15 0.16 0.16 37 1.66 1.78 2.45 3.23 7 0.17 0.15 0.16 0.17 38 1.90 2.04 2.80 3.64 8 0.17 0.15 0.16 0.17 39 2.17 2.32 3.18 4.10 9 0.17 0.15 0.16 0.17 40 2.48 2.64 3.62 4.61

10 0.17 0.15 0.16 0.17 41 2.83 3.00 4.10 5.17 11 0.17 0.15 0.16 0.18 42 3.22 3.40 4.62 5.77 12 0.18 0.15 0.16 0.19 43 3.65 3.84 5.20 6.43 13 0.18 0.15 0.17 0.19 44 4.13 4.32 5.84 7.15 14 0.18 0.16 0.17 0.21 45 4.66 4.85 6.54 7.92 15 0.18 0.16 0.18 0.22 46 5.24 5.42 7.31 8.76 16 0.18 0.16 0.19 0.24 47 5.87 6.05 8.16 9.67 17 0.18 0.16 0.20 0.26 48 6.55 6.73 9.07 10.65 18 0.18 0.17 0.22 0.28 49 7.28 7.48 10.07 11.72 19 0.18 0.18 0.24 0.31 50 8.07 8.29 11.16 12.88 20 0.19 0.20 0.26 0.35 51 8.90 9.17 12.35 14.14 21 0.21 0.22 0.29 0.40 52 9.76 10.12 13.63 15.51 22 0.23 0.25 0.33 0.45 53 10.63 11.11 15.01 16.98 23 0.26 0.28 0.38 0.52 54 11.58 12.19 16.51 18.59 24 0.30 0.32 0.43 0.59 55 12.60 13.35 18.16 20.35 25 0.35 0.37 0.49 0.68 56 13.67 14.58 26 0.40 0.42 0.56 0.77 57 14.77 15.87 27 0.45 0.48 0.64 0.88 58 15.87 17.22 28 0.51 0.54 0.73 1.01 59 17.01 18.64 29 0.58 0.62 0.84 1.15 60 18.16 20.13 30 0.66 0.71 0.96 1.31





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.24 0.21 0.22 0.23 31 1.31 1.36 1.71 2.09 1 0.24 0.21 0.22 0.23 32 1.48 1.53 1.90 2.31 2 0.24 0.21 0.22 0.23 33 1.66 1.70 2.10 2.54 3 0.24 0.21 0.22 0.23 34 1.86 1.89 2.32 2.78 4 0.24 0.21 0.22 0.23 35 2.07 2.09 2.55 3.04 5 0.24 0.21 0.22 0.23 36 2.28 2.29 2.80 3.31 6 0.24 0.21 0.22 0.23 37 2.51 2.51 3.06 3.60 7 0.24 0.21 0.22 0.23 38 2.75 2.74 3.33 3.91 8 0.24 0.21 0.22 0.24 39 3.00 2.98 3.63 4.24 9 0.24 0.21 0.22 0.24 40 3.26 3.24 3.94 4.59 10 0.24 0.21 0.22 0.25 41 3.54 3.51 4.28 4.96 11 0.24 0.21 0.23 0.26 42 3.83 3.79 4.64 5.36 12 0.24 0.21 0.23 0.27 43 4.12 4.09 5.02 5.78 13 0.24 0.21 0.24 0.29 44 4.44 4.41 5.43 6.23 14 0.24 0.22 0.25 0.31 45 4.78 4.76 5.88 6.71 15 0.24 0.22 0.26 0.34 46 5.14 5.13 6.36 7.23 16 0.24 0.23 0.28 0.37 47 5.52 5.53 6.88 7.79 17 0.25 0.24 0.30 0.41 48 5.93 5.95 7.45 8.40 18 0.25 0.25 0.33 0.45 49 6.35 6.41 8.06 9.08 19 0.26 0.28 0.37 0.51 50 6.81 6.90 8.73 9.82 20 0.28 0.31 0.42 0.58 51 7.29 7.43 9.46 10.63 21 0.31 0.35 0.48 0.65 52 7.80 8.00 10.26 11.53 22 0.36 0.40 0.55 0.74 53 8.34 8.60 11.15 12.52 23 0.42 0.47 0.64 0.85 54 8.91 9.26 12.14 13.63 24 0.50 0.54 0.73 0.96 55 9.53 9.98 13.24 14.85 25 0.58 0.63 0.84 1.09 56 10.19 10.78 26 0.67 0.73 0.95 1.22 57 10.88 11.66 27 0.78 0.83 1.08 1.37 58 11.58 12.64 28 0.88 0.94 1.21 1.53 59 12.36 13.75 29 1.01 1.07 1.37 1.70 60 13.24 15.03 30 1.15 1.21 1.53 1.89



Table of Content

I. Product Positioning ................................................................................................................. 2 II. Existing Customer Base Analysis ............................................................................................ 3 III. Global Interest Rate Trend ...................................................................................................... 5 IV. New Product Highlights ........................................................................................................... 6 V. Case Analysis ........................................................................................................................ 11 Appendix 1: Product Description

A. Benefit ........................................................................................................................... 13 B. Premium ........................................................................................................................ 15 C. Product Particulars ........................................................................................................ 15 D. Underwriting Guidelines ................................................................................................ 17 E. POS Guidelines ............................................................................................................. 19 F. Others ............................................................................................................................ 20

Appendix 2: Premium Rate Table – Forever Love Coupon Plan 3 .............................................. 21

Annual Premium Rate for Forever Love Coupon Plan 3 Annual Premium Rate for Waiver of Premium (WP) Annual Premium Rate for Waiver of Premium (Critical Illness) Pro (WPCI Pro)

Appendix 3: Premium Rate Table – Forever Love Coupon Plan 2 (Enhanced Protection) .......... 26

Annual Premium Rate for Forever Love Coupon Plan 3 (Enhanced Protection) Annual Premium Rate for Waiver of Premium (WP) Annual Premium Rate for Waiver of Premium (Critical Illness) Pro (WPCI Pro)



I. Product Positioning

Forever Love Coupon Plan 2 series and Spring Income Plan are AIA Hong Kong’s hot selling products with saving elements. Some of their product features are similar. The positioning of the two products is as follows for your reference

Forever Love Coupon Plan 2

Series

Within the customer base, most people are

fresh graduates and people aged 18-30 who want to start a

business, followed by children aged 0-5.

Spring Income Plan

Over half of the customers are people aged 41-60 preparing for

retirement.

*Data of Forever Love Coupon Plan 2 are collected from the approved policies as at 4 July 2013 / Data of Spring Income Plan are collected from the approved policies as at 4 July 2013

~20% ~26% Major Customer Base*

Age of Insured

~58% Major Customer Base*

(Age of Insured)

Age 0-5

Age 18-30

Age 51-60

Age 41-50



II. Existing Customer Base Analysis

The sales information of Forever Love Coupon Plan 2 series (FLCP2) (based on approved policies as at 4 Jul 2013) is as follows:

Percentage of Policies by Insured’s Age Group

Percentage of Policies by Owner’s Age Group

Most Insureds of Forever Love Coupon Plan 2 series are aged 18-30 followed by children aged 0-5. Most of the Owners are aged 31-40, followed by those aged 18-30. It can be inferred from this that those aged 18-30, including fresh graduates, career starters and those who want to start their own business, are buying FLCP2 themselves for savings. Separately, those aged 31-40 are purchasing FLCP2 for their children aged 0-5. Given the young age of the children, the premiums are relatively cheap, and FLCP2 can be used to prepare for their educational expenses.

Insured’s Age

No. of Policies

No. of Policies

Owner’s Age

Male Insured

Male Owner

Female Insured

Female Owner



As over half of Insureds and Owners are female, the female market should not be ignored.

Percentage of Policies by Premium Payment Period

The chart above shows the distribution of premium payment periods for FLCP2. From the above chart, it can be observed that the 5-year premium payment period is less popular than the others, so we will not include this premium payment period in our new Forever Love Coupon Plan 3 series, for which only popular premium payment periods will be kept. On the other hand, the number of policies are distributed evenly across the other four premium payment periods, with the 20-year and 10-year premium payment periods being the most popular.

Female 54%

Female 60%

Male 46%

Male 40%

5-year 4%

6-year 24%

10-year 27%

15-year 17%

20-year 28%

Percentage of Policies by Insured’s Gender

Percentage of Policies by Owner’s Gender



III. Global Interest Rate Trend

Given that global interest rates remain low, global investment returns, especially US Treasury yields, have suffered declines in the past few years. Major economies have also adopted conservative economic policies, signaling that the return on investment trend will continue to be downward for the near future.

Historical 30-year US Treasury Yields since Jan 2007

Source : Bloomberg (as of Feb 2013)

Historical 30-year US A-rated Yields since Jan 2007

Source : Bloomberg (as of Feb 2013) Credit Rating from Standard & Poor’s



IV. New Product Highlights

Based on the above-mentioned factors, after much consideration, AIA Hong Kong will launch Forever Love Coupon Plan 3 series on 12 August, 2013 (the first application date). Starting from 1 September, 2013, the existing Forever Love Coupon Plan 2 series will be shelved. The detailed comparisons between Forever Love Coupon Plan 3 series and Forever Love Coupon Plan 2 series are as follows:

Product Comparison

FLCP 3 FLCP 3 (EP)

FLCP 2 FLCP 2 (EP)

Premium Payment Period

4 choices 6, 10, 15, 20 years

5 choices 5, 6, 10, 15, 20 years

Benefit Upgrade Guaranteed Cash Payment Guaranteed Cash Payment Policy

Anniversary 5 and every year

thereafter

Percentage of Face Amount

1.8%

Policy Anniversary 5-20 (every

year)

Percentage of Face Amount

1.5%

21 and every year thereafter

2%

5, 8, 11, 14, 17 and 20

extra 3% 5, 10, 15 and 20 extra 5%

Premium Rate – Premium Payment

Period 6 / 10 / 15 / 20

years

[compared with FLCP 2 and FLCP 2(EP)]

All increase 9.0%

Prepayment Customers purchasing Forever

Love Coupon Plan 3 series (6-year premium payment period)

can prepay up to six years of premiums^

Customers purchasing Forever Love Coupon Plan 2 series

(5-years premium payment period) can prepay up to five years of

premiums^

^ After deducting the initial policy premium, the remaining amount will then be deposited at a non-guaranteed interest rate into the Future Premium Deposit Account which will be used to pay the policy premium for the following years. The current interest rate for the Future Premium Deposit Account is 0.25% per annum.

The above comparison is for reference only. Please refer to the Policy Contract for the definitions of capitalized terms, and the exact and complete terms and conditions of coverage. For details of the benefits, premium, product particulars, underwriting guidelines and POS guidelines, etc for Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection), please refer to Appendix 1.

Return Comparison of New and Old Series The return comparisons of Forever Love Coupon Plan 3 (FLCP3) vs. Forever Love Coupon Plan 2 (FLCP2) and Forever Love Coupon Plan 3 (Enhanced Protection) (FLCP3 (EP)) vs. Forever Love Coupon Plan 2 (Enhanced Protection) (FLCP2 (EP)) are as follows:

New



The following return comparisons are based on male, non-smoker and total premium = US$50,000 for each relevant premium payment period.

FLCP 3 Vs. FLCP 2 Age 0 Age 40

IRR FLCP 3 FLCP 2 FLCP 3 FLCP 2 Guaranteed

IRR

Year 20 0.96% 1.70% 1.31% 1.64% Year 30 1.49% 2.04% 1.70% 1.96%

Total IRR Year 20 3.94% 4.53% 4.07% 4.47% Year 30 4.36% 4.69% 4.43% 4.68%

Guaranteed Breakeven

Year 14 11 13 11

Total Breakeven

Year 10 9 10 9

FLCP 3 (EP) Vs. FLCP 2 (EP) Age 0 Age 40

IRR FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

Guaranteed IRR

Year 20 0.86% 1.59% 1.17% 1.50% Year 30 1.41% 1.97% 1.60% 1.86%



Year 15 12 13 12

Total Breakeven

Year 10 9 10 9

Note: please refer to page 12 for the remark.

Conclusion: Guaranteed IRR Year 20:

Age 0 decreases around 0.7%


Year 30: Age 0 decreases around 0.6%


Total IRR Year 20:



Year 30: Age 0 decreases around 0.3 %


Premium Payment Period = 6





IRR

Year 20 0.92% 1.75% 1.07% 1.46% Year 30 1.89% 2.50% 1.95% 2.26%



Year 15 11 14 12

Total Breakeven

Year 10 10 10 10



IRR FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

Guaranteed IRR

Year 20 0.79% 1.63% 0.94% 1.33% Year 30 1.80% 2.41% 1.86% 2.17%



Year 16 12 13 13

Total Breakeven

Year 11 10 10 10







Total IRR Year 20:









IRR

Year 20 0.01% 0.90% 0.36% 0.77% Year 30 1.45% 2.06% 1.63% 1.92%



Year 20 16 19 17

Total Breakeven

Year 11 10 11 10


IRR FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

Guaranteed IRR

Year 20 -0.11% 0.78% 0.29% 0.70% Year 30 1.38% 1.98% 1.58% 1.87%



Year 21 17 19 17

Total Breakeven

Year 11 10 11 10








Total IRR Year 20:









IRR

Year 20 -0.96% 0.23% -0.30% 0.29% Year 30 1.19% 1.88% 1.46% 1.82%



Year 23 19 21 19

Total Breakeven

Year 11 10 11 10


IRR FLCP 3 (EP)

FLCP 2 (EP)

FLCP 3 (EP)

FLCP 2 (EP)

Guaranteed IRR

Year 20 -1.12% 0.07% -0.40% 0.19% Year 30 1.10% 1.79% 1.40% 1.76%



Year 24 20 22 19

Total Breakeven

Year 11 10 11 11

Remark: Above information is based on each Company’s proposal in August, 2013. Above value of “Guaranteed IRR” is calculated based on the guaranteed cash value, guaranteed cash payment(s) paid (if any) and the amount of total premium paid figures set out in the proposals; the value of “Total IRR” is calculated based on the amount of total cash value [i.e. guaranteed cash value plus guaranteed cash payment accumulations (if any), annual dividend accumulations (if any) and maturity dividend (if any)] and the amount of total premium paid figures set out in the proposals. “Guaranteed Breakeven Year” is the Policy Year at the end of which the sum of all guaranteed cash payment (s) paid (if any) and guaranteed cash value is greater than or equal to the amount of total premium paid for the first time. “Total Breakeven Year” is the Policy Year at the end of which the total cash value [i.e. guaranteed cash value plus guaranteed cash payment accumulations (if any), annual dividend accumulations (if any) and maturity dividend (if any)] is greater than or equal to the amount of total premium paid for the first time. The above analysis and comparisons made by the Company are based on the relevant information. They are subject to change at any time without notice. AIA Hong Kong does not bear any liability for any errors and omissions.







Total IRR Year 20:







V. Case Analysis Case 1 For a young graduate with a starting income and limited resources, a savings plan is so important. Forever Love Coupon Plan 3 series includes guaranteed cash payment, so if young people need money, they can always withdraw the guaranteed cash without relying on the help of the family. Also, they can buy additional protection so that even if they are sick, there will be enough money to handle their medical expenses, without adding to their family’s financial burden.

(1) Premium shown is for first year only; renewal premium will be calculated based on attained age of Insured. This example assumes that the

current renewal premium rates will remain unchanged. (2) Total Cash Value is accumulated guaranteed cash payment plus guaranteed cash value plus non-guaranteed accumulated annual dividends

and maturity dividend. (3) Assume that guaranteed cash payment and non-guaranteed annual dividend are accumulated at current dividend scales and 4%

non-guaranteed accumulation interest rate in the Policy and no withdrawals (other than premium offset) are made within the whole policy term. The actual starting period of premium offset may vary from above illustrated figure depending on the actual amount of non-guaranteed benefits payable and non-guaranteed rider premium rate. For more details, please refer to proposal.

Mr. Cheung buys the Policy and plans to use

accumulated guaranteed cash payments and

non-guaranteed accumulated annual

dividends to pay for basic and rider premiums

Insured Age 100

13 Policy Year

Basic and rider future premiums can be covered from guaranteed cash payment accumulations and non-guaranteed annual dividend accumulations after paying

premiums for only 12 years(3), and Mr. Cheung can enjoy medical coverage up to age 100 with savings

protection.

At Policy maturity, the Total Cash Value is approximately

US$354k (2) (3). Mr. Cheung can leave money to his love one for protecting

their lives in the future.

Mr. Cheung age 21 non-smoker fresh graduate buys

Forever Love Coupon Plan 3 (20-year premium payment period)

Face Amount US$60,000 Annual Premium US$3,756

CEO Medical Rider (With $2000 Deductible) First Year Premium US$540(1)



Case 2 Parents will give everything to provide the best for their children, but have you ever thought of buying a savings plan as a gift to your child? Purchasing Forever Love Coupon Plan 3 series for your child has a lot of advantages: • Premiums are affordable and the premium payment period can be as short as six years while savings and protection go up to age 100, with guaranteed cash paid when necessary • You can add additional riders to provide more comprehensive protection for your child as needed

If Mrs. Lee has bought the Payer Benefit Rider and dies or becomes totally and permanent disabled within the premium payment period, the basic premiums will be waived, and she will not need to worry that her son’s Policy will be affected. (1) Cash withdrawals made will be deducted from the guaranteed cash payment accumulations (if any) and annual dividend accumulations (if any).

Any withdrawal which exceeds the remaining balance of guaranteed cash payment accumulations and annual dividend accumulations will be affected by withdrawal from the guaranteed cash value and any maturity dividend entitlement accrued, which in turn will reduce the Face Amount of the Policy. In such case, the subsequent guaranteed cash value, guaranteed cash payments, annual dividends (if any) and maturity dividend (if any) will be adjusted accordingly based on the reduced Face Amount. Cash withdrawals are subject to the Company’s minimum Face Amount requirements, and no withdrawal will be allowed which has the effect of reducing the Face Amount of the Policy below the minimum Face Amount required. For more details, please refer to proposal.

(2) Total Cash Value is accumulated guaranteed cash payment plus guaranteed cash value plus non-guaranteed accumulated annual dividends and maturity dividend, after reflecting the cash withdrawals made. Assume that guaranteed cash payment and non-guaranteed annual dividend are accumulated at current dividend scales and 4% non-guaranteed accumulation interest rate in the Policy. For more details, please refer to proposal.

Mrs. Lee buys the

Policy for her son

Starting from the 18th Policy Year, she

withdraws US$25,000(1) for 3 consecutive years

to cover tuition and initial capital of her son’s future

career.

When her son reaches age 65 (i.e. the 65th Policy Year), the Policy has Total Cash Value of over US$1.1mil (2),

approximately equivalent to 11 times the total basic premiums paid. The son can make use

of this funding to enjoy retirement with his wife

18

son

Policy Year 19 20

When her son reaches age 35 (i.e. the 35th Policy Year), the Total Cash Value of

the Policy will be nearly US$ 265k(2) , approximately equivalent to 2.7 times the total basic premiums paid. If her

son chooses to surrender the policy, the proceeds can help him buy property and

get married.

Her son can choose freely how to use the

capital. Higher flexibility.

OR

Mrs. Lee, 36 years old, would like to buy a plan for her newborn son (age 0) as long-term savings when she still has the economic capacity, to help him prepare well for his future.

Mrs. Lee buys:

Forever Love Coupon Plan 3 (6-year premium payment period)

Face Amount: US$ 100,000 Annual Premium: US$ 16,557



Appendix 1: Product Description Product Name Forever Love Coupon Plan 3

[FLCP3] Forever Love Coupon Plan 3

(Enhanced Protection) [FLCP3 (EP)]

Launch Date 12 August, 2013 (according to the application date)

Basic/ Rider Basic Plan

Plan Shortnames Premium Term Plan Shortname Premium Term Plan Shortname 6-year ACT6P5 6-year ACUT6P5

10-year ACT10P5 10-year ACUT10P5 15-year ACT15P5 15-year ACUT15P5 20-year

ACT20P5 20-year ACUT20P5

Policy Number Prefix Region (Only applicable to PRC

nationals applying for Policy in Hong Kong)

Hong Kong B36000000x – B36499999x B66000000x – B66499999x B96000000x – B96499999x

G38070000x – G38089999x G68070000x – G68089999x G98070000x – G98089999x

A. Benefit Plan FLCP3 FLCP3 (EP) 1. Benefit Term To age 100

2. Savings

Guaranteed Cash Payment - Options to take out in cash or accumulate to earn interest.

Policy Anniversary % of Face Amount(1)

5 & every year thereafter 1.8% 5, 8, 11, 14, 17 & 20 Extra 3%

Guaranteed Cash Value - is payable upon surrender of the Policy or death

(Forever Love Coupon Plan 3 Only) of the Insured.

Annual Dividend (non-guaranteed) - is declared annually with options to take out in cash, apply to reduce premium or accumulate to earn interest.

Maturity Dividend (non-guaranteed) - is payable at policy maturity, or upon surrender or death occurring on or after the 10 th policy anniversary.



Plan FLCP3 FLCP3 (EP) 3. Protection Death Benefit

(i) Higher of Guaranteed Cash Value or Total Premiums Paid(2), plus

(ii) Guaranteed Cash Payment Accumulations, plus

(iii) Annual Dividend Accumulations (non-guaranteed), plus

(iv) Maturity Dividend (non-guaranteed)

minus Policy Debt (if any)

Accidental Death Benefit Within 12 months of the Issue Date or Policy Date of the Policy (whichever is later): Face Amount(4) on top of above

Death Benefit Within Premium Payment Period : (i) Higher of Face Amount(1) or

Total Premiums Paid(2), plus (ii) Guaranteed Cash Payment

Accumulations, plus (iii) Annual Dividend Accumulations

(non-guaranteed), plus (iv) Maturity Dividend

(non-guaranteed) minus Policy Debt (if any) After Premium Payment Period : (i) Highest of Face Amount(1), Total

Premiums Paid(2) or Future Unpaid Guaranteed Cash Payments(3), plus

(ii) Guaranteed Cash Payment Accumulations, plus

(iii) Annual Dividend Accumulations (non-guaranteed), plus

(iv) Maturity Dividend (non-guaranteed)

minus Policy Debt (if any)

4. Maturity Benefit (i) Higher of Face Amount(1) or Total Premiums Paid(2), plus (ii) Guaranteed Cash Payment Accumulations, plus (iii) Annual Dividend Accumulations (non-guaranteed), plus (iv) Maturity Dividend (non-guaranteed) minus Policy Debt (if any)

5. Policy Loan Applicable

6. Non-Forfeiture Options Only Automatic Premium Loan (APL) is

allowed. APL can run for more than 1 Policy year as long as Cash Value + Accumulated Dividends is enough to cover Premium in default + Policy Debt.

Reduced Paid Up Insurance (RPU), Extended Term Insurance (ETI) and Automatic Premium Loan (APL) is allowed. APL can consecutively run for 1 Policy year only.

7. Suicide and Misstatement of age and sex arrangement

Follow existing rules for traditional life plan

8. Annual Dividend Payment Options

(1) Cash Payment (2) Premium Reduction (3) Dividend Accumulation

(1) For Forever Love Coupon Plan 3, the Face Amount is used to calculate premium, guaranteed cash payments and relevant policy values.

The Face Amount is not related to death benefit and will not be paid upon the death of the Insured. For Forever Love Coupon Plan 3 (Enhanced Protection), the Face Amount is included in the calculation within the death benefit.

(2) Total Premiums Paid means an amount equal to the Applicable Standard Premium multiplied by the Number of Years of Premium Paid.

Please refer to Annual Premium Rate for Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection) in Appendix 3 and 4 respectively for the Applicable Standard Premium.

(3) The amount equivalent to the sum of all guaranteed cash payments which would have been payable, if the Insured had not died, from the

Policy Anniversary on or immediately following the death of the Insured until the Maturity Date at Age 100 of the Insured. (4) Subject to the limitation that the aggregate of all Supplementary Accidental Death Benefit(s) paid and / or payable under all Forever Love Coupon

Plan 3 policies issued in respect of the same Insured cannot exceed the maximum sum of US$100,000 per life.



B. Premium Plan FLCP3 FLCP3 (EP) 1. Premium Structure Level and guaranteed

2. Premium Term 6 years / 10 years / 15 years / 20 years

3. Premium Rates Based on sex and issue age

(Please refer to the Premium Rate Table in Appendix 2)

Based on underwriting class, sex and issue age (Please refer to the Premium Rate Table in Appendix 3)

4. Payment Mode Annual / Semi-annual / Quarterly / Monthly

5. Size Discount Face Amount (US$)

Premium Term (Adjustment per 1,000 Face Amount)

6 years 10 years 15 years 20 years 5,000 – 9,999 +9.00 +5.00 +4.00 +4.00 10,000 – 19,999 +4.00 +2.25 +1.75 +1.75 20,000 – 34,999 +1.25 +0.75 +0.50 +0.50 35,000 – 74,999 N/A N/A N/A N/A 75,000 – 149,999 -0.75 -0.50 -0.25 -0.25 150,000 or above -1.00 -0.75 -0.50 -0.50

C. Product Particulars Plan FLCP3 FLCP3 (EP) 1. Issue Age Premium Term

6 years 10 years 15 years 20 years

Age Range 0-65 0-60 0-55 0-55

2. Minimum Face Amount US$5,000

3. Region Hong Kong

4. Currency US$

5. Riders attachable Free WP (Forever Love Coupon Plan 3 (Enhanced Protection) only and subject to per life limit), WP, WPCI Pro, SCIR Pro, ECIR Pro, PB, PBCI Pro, SGHR, HB, AI, ADD, SADD, ADB, Term riders, PCR Pro, PACS, CEO Medical Rider and Regal Health Rider

6. Maximum Per Life Limit No medical underwriting for aggregate Face Amount less than or equal to US$1,000,000(5)

For application with aggregate Face Amount exceeding above limit, normal life underwriting requirement is applicable.

Follow current rules

7. Product Group Traditional Life

(5) Face Amount of all Forever Love Coupon Plan 3, PromiseMe Coupon Plan, Simply Love Encore, Admire Life (Simple Version), Forever Love Coupon

Plan and Forever Love Coupon Plan 2 (including the new application) on the same Insured should be less than or equal to US$1,000,000 /

HK$7,500,000.



Plan FLCP3 FLCP3 (EP) 8. Contract Laser Print Code

- Basic Contract DB5L DB5M (Standard) DB5N (Non-Standard)

- Guaranteed Cash Payment Plan Endorsement

DB4I DB4K

- Juvenile Lien Endorsement

DB4H DB4J

- PRC Endorsement AECG AECH

- Table of Standard Premium (6 Years)

DB6R DB9E


DB9B DB9F


DB9C DB9G


DB9D DB9H

- Schedule of Values Printed by System Printed by System

Please refer to Contract Library for contract specimen. Plan Shortname is required for retrieving Schedule of Values.



D. Underwriting Guidelines Plan FLCP3 FLCP3 (EP) 1. Medical Requirements No medical underwriting with the condition

that the Face Amount of all Forever Love Coupon Plan 3, PromiseMe Coupon Plan, Simply Love Encore, Admire Life (Simple Version), Forever Love Coupon Plan and Forever Love Coupon Plan 2 (including the new application) on the same insured is less than or equal to US$1,000,000 / HK$7,500,000.

Otherwise, normal life underwriting requirement is applicable.

Follow Life policy

2. Financial Requirements Follow general non-product specific guidelines such as “Guideline on Anti-Money Laundering and Counter-Terrorist Financing (AMLG)” and “PRC Operations Guidelines for Broker Channel”, etc, if the aggregate Face Amount of all Forever Love Coupon Plan 3, PromiseMe Coupon Plan, Simply Love Encore, Admire Life (Simple Version), Forever Love Coupon Plan and Forever Love Coupon Plan 2 (including the new application) on the same Insured is less than or equal to US$1,000,000 / HK$7,500,000

Otherwise, normal life underwriting requirement is applicable

Follow Life policy

3. Medical Rating Standard premium rate will be offered provided that aggregate Face Amount of all Forever Love Coupon Plan 3, PromiseMe Coupon Plan, Simply Love Encore, Admire Life (Simple Version), Forever Love Coupon Plan and Forever Love Coupon Plan 2 (including the new application) issued on the life of the same Insured is less than or equal to US$1,000,000 / HK$7,500,000.

If the aggregate Face Amount exceeds the above limit, standard premium rate will be offered subject to the following rules (failing which the application will be declined):

Temporary flat amount rating may not be applied and can be waived.

Permanent flat amount rating not exceeding $2.50 per mil category and without Medical Rating (MR) or Nationality Rating (NR)

MR‘D’* or below for Insured between 0 and 50 and without permanent flat amount rating.

MR‘B’* or below for Insured between 51 and 65 and without permanent flat amount rating.

* If there is Nationality Rating (NR), the combination rating

(MR + NR) should not exceed the rating class as specified.

Rating class from MR “B” to “P” rating

4. Nationality Rating Follow Life policy

5. Occupational Rating Follow Life policy

6. Policy Date Allow Date Back or Date Forward



Plan FLCP3 FLCP3 (EP) 7. Application Form

Hong Kong

Life and Personal Accident Insurance Application Form (OPUAIF00)

8. Substandard Premium Discount Program

Not applicable Applicable



E. POS Guidelines Plan FLCP3 FLCP32 (EP) 1. Change of Face Amount Follow normal rules

2. Add/ Delete (Basic Plan) Not applicable

3. Reinstatement Follow normal reinstatement

requirements. Evidence of insurability will not be required if the aggregate Face Amount does not exceed US$1,000,000 / HK$7,500,000 (5).

Follow normal reinstatement requirements

4. Appeal Loading Not applicable for Basic Plan. For appeal loading on of riders, follow

normal rules.

Follow normal rules

5. Change Plan (Basic Plan) Not allowed (Neither to change from other basic plans to this plan nor from this plan to other basic plans), except for the plan change from Forever Love Coupon Plan 3 to Forever Love Coupon Plan 3 (Enhanced Protection) with premium term remaining unchanged. Plan change from FLCP3 to FLCP3 (EP) will be subject ot the following rules:

Clients can only apply for such change of Basic Plan before the first Policy Anniversary of the existing Forever Love Coupon Plan 3.

Normal underwriting will be required for plan change. Detailed underwriting guidelines are set out in Section D above.

Clients are required to pay back the premium difference with interest(1) . Forms required include:

- Request for Change Form (OPPOSF04) - Health Certificate (OPPOSF07) (2)

(1) (Premium to be Paid for the New Plan from Policy Date to current Paid-to-Date) - (Premium already

Paid for the Original Plan from Policy Date to current Paid-to-Date) + (Interest charged for the premium difference).Interest on the premium difference is charged for the number of days from the Policy Date to the payment date of the required cost. Interest rate is equal to the current loan interest rate and compounded annually.

(2) AIA Hong Kong reserves the right to impose additional medical requirements as appropriate.

6. Term Conversion Not allowed Follow normal rules

7. Change Payment Mode Follow existing rules

8. Transfer of Existing Hospital Coverage

The following eligible HS riders will also be accepted for transfer from an existing in-force policy to Forever Love Coupon Plan 3 and Forever Love Coupon Plan 3 (Enhanced Protection):

Hospital and Surgical Benefit Rider (HS 60) Hospital and Surgical Benefit Rider (HS 70) Hospital and Surgical Benefit Rider (HS 80) Good Health Hospital and Surgical Rider Super Good Health Hospital and Surgical Rider

For detailed arrangements of the transfer of existing hospital coverage, please refer to the separate memos (Ref: A2010097) and (Ref: A2011095)..



F. Others Plan FLCP3 FLCP3 (EP) 1. Proposal Generation

System Version 11.0 will be applicable

2. PTA Number for Brochure Chinese Version: PTA999145.0813 English Version: PTA999146.0813

Chinese Version: PTA999147.0813 English Version: PTA999148.0813




3 ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Per $1,000 Face Amount) – Male

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 166.32 95.91 72.49 59.25 36 181.56 106.12 82.65 69.36 1 166.55 96.07 72.53 59.30 37 182.15 106.57 83.43 69.96 2 166.80 96.25 72.59 59.35 38 182.76 107.05 84.24 70.57 3 167.09 96.45 72.67 59.42 39 183.37 107.54 85.09 71.20 4 167.38 96.66 72.77 59.50 40 183.98 108.04 85.97 71.87 5 167.72 96.89 72.88 59.60 41 184.61 108.55 86.87 72.58 6 168.07 97.12 73.00 59.72 42 185.23 109.10 87.84 73.36 7 168.42 97.36 73.12 59.84 43 185.89 109.65 88.88 74.19 8 168.79 97.60 73.26 59.97 44 186.54 110.26 89.99 75.10 9 169.15 97.85 73.40 60.11 45 187.23 110.92 91.20 76.13 10 169.53 98.11 73.54 60.27 46 187.93 111.66 92.55 77.27 11 169.90 98.36 73.69 60.42 47 188.66 112.51 94.06 78.56 12 170.28 98.61 73.85 60.58 48 189.42 113.51 95.75 80.01 13 170.66 98.87 74.01 60.75 49 190.21 114.70 97.65 81.64 14 171.05 99.14 74.17 60.93 50 191.02 116.10 99.81 83.47 15 171.45 99.40 74.35 61.12 51 191.87 117.73 102.23 85.51 16 171.85 99.67 74.53 61.32 52 192.74 119.65 104.93 87.77 17 172.25 99.94 74.73 61.54 53 193.68 121.84 107.93 90.26 18 172.67 100.21 74.95 61.77 54 194.68 124.30 111.22 92.98 19 173.09 100.50 75.18 62.03 55 195.80 127.06 114.82 95.93 20 173.52 100.78 75.42 62.30 56 197.03 129.88 21 173.94 101.05 75.68 62.60 57 198.40 132.73 22 174.38 101.34 75.95 62.93 58 199.94 135.64 23 174.83 101.62 76.25 63.26 59 201.65 138.57 24 175.27 101.93 76.56 63.63 60 203.54 141.59 25 175.73 102.23 76.90 64.02 61 205.62 26 176.20 102.54 77.26 64.41 62 207.90 27 176.68 102.86 77.64 64.83 63 210.36 28 177.18 103.19 78.05 65.27 64 213.02 29 177.68 103.53 78.49 65.72 65 215.87 30 178.20 103.86 78.96 66.18 31 178.74 104.20 79.47 66.68 32 179.28 104.55 80.03 67.18 33 179.84 104.92 80.62 67.69 34 180.40 105.30 81.25 68.23 35 180.97 105.72 81.94 68.79




3 ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Per $1,000 Face Amount) – Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 165.59 95.49 72.18 58.98 36 179.03 105.08 80.52 66.47 1 165.85 95.66 72.22 59.05 37 179.49 105.49 81.15 66.89 2 166.13 95.83 72.29 59.12 38 179.95 105.94 81.79 67.34 3 166.42 96.03 72.37 59.21 39 180.42 106.42 82.48 67.79 4 166.73 96.23 72.46 59.31 40 180.89 106.93 83.20 68.27 5 167.04 96.44 72.56 59.42 41 181.38 107.48 83.95 68.77 6 167.36 96.66 72.68 59.52 42 181.86 108.07 84.76 69.30 7 167.70 96.90 72.80 59.64 43 182.35 108.71 85.63 69.88 8 168.03 97.13 72.92 59.76 44 182.85 109.39 86.57 70.51 9 168.36 97.37 73.05 59.88 45 183.36 110.12 87.59 71.21 10 168.70 97.60 73.18 60.02 46 183.88 110.92 88.72 71.98 11 169.05 97.85 73.30 60.15 47 184.41 111.78 89.94 72.86 12 169.39 98.10 73.43 60.28 48 184.95 112.71 91.29 73.83 13 169.73 98.34 73.56 60.42 49 185.51 113.71 92.77 74.92 14 170.09 98.59 73.71 60.56 50 186.08 114.80 94.38 76.13 15 170.45 98.84 73.85 60.71 51 186.67 115.98 96.14 77.46 16 170.82 99.10 74.00 60.88 52 187.28 117.23 98.03 78.91 17 171.20 99.35 74.16 61.04 53 187.93 118.59 100.07 80.50 18 171.58 99.62 74.34 61.20 54 188.60 120.06 102.26 82.22 19 171.96 99.89 74.51 61.38 55 189.31 121.64 104.60 84.06 20 172.35 100.15 74.71 61.56 56 190.06 123.39 21 172.73 100.42 74.90 61.75 57 190.88 125.33 22 173.12 100.68 75.12 61.94 58 191.77 127.53 23 173.53 100.97 75.34 62.16 59 192.77 130.00 24 173.92 101.25 75.57 62.39 60 193.90 132.77 25 174.33 101.52 75.81 62.64 61 195.20 26 174.74 101.82 76.08 62.90 62 196.82 27 175.14 102.10 76.37 63.19 63 198.96 28 175.57 102.39 76.68 63.49 64 201.68 29 175.98 102.70 77.03 63.82 65 205.01 30 176.39 102.99 77.42 64.16 31 176.83 103.31 77.85 64.51 32 177.26 103.64 78.31 64.88 33 177.69 103.98 78.82 65.25 34 178.13 104.31 79.35 65.64 35 178.59 104.68 79.92 66.05





Male Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 16 0.29 0.26 0.27 0.28 16 0.29 0.25 0.27 0.28 17 0.29 0.26 0.27 0.28 17 0.29 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 19 0.29 0.26 0.27 0.28 19 0.29 0.26 0.27 0.28 20 0.29 0.26 0.27 0.29 20 0.29 0.26 0.27 0.28 21 0.29 0.26 0.27 0.29 21 0.29 0.26 0.27 0.29 22 0.29 0.26 0.28 0.30 22 0.29 0.26 0.27 0.29 23 0.29 0.26 0.28 0.30 23 0.29 0.26 0.28 0.30 24 0.30 0.26 0.28 0.31 24 0.29 0.26 0.28 0.30 25 0.30 0.26 0.29 0.32 25 0.29 0.26 0.28 0.31 26 0.30 0.27 0.29 0.33 26 0.29 0.27 0.29 0.33 27 0.30 0.27 0.30 0.35 27 0.30 0.27 0.30 0.34 28 0.30 0.28 0.31 0.37 28 0.30 0.27 0.31 0.36 29 0.31 0.28 0.32 0.39 29 0.31 0.28 0.32 0.38 30 0.31 0.29 0.34 0.42 30 0.31 0.29 0.34 0.41 31 0.32 0.30 0.36 0.46 31 0.32 0.30 0.36 0.45 32 0.34 0.32 0.39 0.51 32 0.33 0.32 0.38 0.49 33 0.35 0.33 0.42 0.56 33 0.34 0.33 0.42 0.54 34 0.36 0.36 0.47 0.62 34 0.36 0.35 0.46 0.60 35 0.38 0.39 0.52 0.70 35 0.38 0.38 0.51 0.67 36 0.41 0.42 0.58 0.79 36 0.41 0.42 0.57 0.76 37 0.45 0.47 0.65 0.89 37 0.44 0.46 0.64 0.86 38 0.49 0.53 0.74 1.01 38 0.48 0.52 0.72 0.98 39 0.55 0.59 0.85 1.16 39 0.54 0.59 0.82 1.11 40 0.62 0.68 0.97 1.32 40 0.61 0.67 0.94 1.27 41 0.71 0.78 1.11 1.54 41 0.70 0.77 1.08 1.48 42 0.81 0.89 1.28 1.77 42 0.80 0.88 1.25 1.70 43 0.94 1.02 1.48 2.03 43 0.92 1.02 1.43 1.95 44 1.08 1.17 1.70 2.30 44 1.06 1.17 1.65 2.21 45 1.24 1.34 1.95 2.60 45 1.22 1.34 1.90 2.49 46 1.41 1.53 2.31 2.92 46 1.39 1.53 2.24 2.80 47 1.60 1.75 2.69 3.26 47 1.57 1.75 2.62 3.13 48 1.82 2.00 3.11 3.64 48 1.78 2.00 3.03 3.48 49 2.07 2.28 3.57 4.06 49 2.02 2.28 3.47 3.87 50 2.35 2.62 4.08 4.52 50 2.30 2.62 3.96 4.30 51 2.78 3.28 4.82 5.22 51 2.72 3.27 4.67 4.95 52 3.30 4.04 5.68 6.02 52 3.22 4.02 5.48 5.68 53 3.91 4.93 6.69 6.95 53 3.82 4.89 6.42 6.53 54 4.63 5.96 7.85 8.03 54 4.52 5.88 7.50 7.50 55 6.00 7.17 9.22 9.29 55 5.86 7.02 8.75 8.61





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.17 0.15 0.16 0.16 31 0.74 0.79 1.09 1.49 1 0.17 0.15 0.16 0.16 32 0.84 0.90 1.24 1.70 2 0.17 0.15 0.16 0.16 33 0.96 1.03 1.43 1.94 3 0.17 0.15 0.16 0.16 34 1.09 1.18 1.63 2.20 4 0.17 0.15 0.16 0.16 35 1.25 1.35 1.87 2.50 5 0.17 0.15 0.16 0.16 36 1.42 1.54 2.13 2.83 6 0.17 0.15 0.16 0.16 37 1.63 1.76 2.43 3.21 7 0.17 0.15 0.16 0.16 38 1.86 2.00 2.78 3.62 8 0.17 0.15 0.16 0.17 39 2.12 2.29 3.16 4.07 9 0.17 0.15 0.16 0.17 40 2.43 2.60 3.59 4.57

10 0.17 0.15 0.16 0.17 41 2.77 2.96 4.06 5.12 11 0.17 0.15 0.16 0.18 42 3.15 3.35 4.59 5.72 12 0.17 0.15 0.16 0.18 43 3.57 3.78 5.16 6.37 13 0.17 0.15 0.17 0.19 44 4.03 4.25 5.79 7.08 14 0.17 0.15 0.17 0.20 45 4.55 4.78 6.49 7.84 15 0.17 0.15 0.18 0.22 46 5.11 5.34 7.25 8.67 16 0.17 0.16 0.19 0.23 47 5.72 5.96 8.08 9.57 17 0.17 0.16 0.20 0.26 48 6.38 6.62 8.98 10.55 18 0.18 0.17 0.21 0.28 49 7.09 7.35 9.97 11.60 19 0.18 0.18 0.23 0.31 50 7.85 8.15 11.04 12.75 20 0.19 0.20 0.26 0.35 51 8.65 9.01 12.21 14.00 21 0.20 0.22 0.29 0.39 52 9.49 9.93 13.48 15.36 22 0.22 0.24 0.33 0.45 53 10.34 10.91 14.85 16.81 23 0.26 0.28 0.38 0.51 54 11.26 11.98 16.34 18.41 24 0.30 0.32 0.43 0.59 55 12.25 13.15 17.98 20.15 25 0.34 0.36 0.49 0.67 56 13.30 14.38 26 0.39 0.42 0.56 0.77 57 14.36 15.66 27 0.44 0.47 0.64 0.88 58 15.44 16.99 28 0.50 0.54 0.73 1.00 59 16.55 18.37 29 0.57 0.61 0.83 1.14 60 17.67 19.83 30 0.65 0.69 0.95 1.31





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.23 0.20 0.22 0.22 31 1.28 1.34 1.70 2.08 1 0.23 0.20 0.22 0.22 32 1.45 1.50 1.88 2.29 2 0.23 0.21 0.22 0.22 33 1.63 1.68 2.09 2.52 3 0.23 0.21 0.22 0.22 34 1.82 1.86 2.31 2.76 4 0.23 0.21 0.22 0.22 35 2.03 2.06 2.54 3.02 5 0.23 0.21 0.22 0.23 36 2.23 2.26 2.78 3.29 6 0.24 0.21 0.22 0.23 37 2.46 2.47 3.04 3.58 7 0.24 0.21 0.22 0.23 38 2.69 2.70 3.31 3.88 8 0.24 0.21 0.22 0.23 39 2.94 2.94 3.60 4.20 9 0.24 0.21 0.22 0.24 40 3.20 3.19 3.91 4.54 10 0.24 0.21 0.22 0.25 41 3.47 3.45 4.24 4.91 11 0.24 0.21 0.22 0.26 42 3.75 3.74 4.60 5.29 12 0.24 0.21 0.23 0.27 43 4.04 4.03 4.97 5.70 13 0.24 0.21 0.24 0.29 44 4.34 4.35 5.38 6.14 14 0.24 0.21 0.25 0.31 45 4.67 4.69 5.82 6.61 15 0.24 0.22 0.26 0.33 46 5.02 5.05 6.30 7.13 16 0.24 0.22 0.28 0.37 47 5.39 5.44 6.82 7.69 17 0.24 0.23 0.30 0.40 48 5.78 5.86 7.38 8.30 18 0.25 0.25 0.33 0.45 49 6.20 6.31 7.99 8.97 19 0.26 0.27 0.37 0.51 50 6.64 6.80 8.65 9.71 20 0.28 0.30 0.42 0.57 51 7.11 7.32 9.38 10.52 21 0.31 0.34 0.48 0.65 52 7.60 7.88 10.17 11.41 22 0.35 0.40 0.55 0.74 53 8.12 8.48 11.05 12.40 23 0.42 0.46 0.63 0.84 54 8.68 9.13 12.03 13.49 24 0.49 0.54 0.73 0.95 55 9.29 9.84 13.11 14.69 25 0.57 0.62 0.83 1.08 56 9.93 10.62 26 0.66 0.71 0.94 1.22 57 10.60 11.48 27 0.76 0.82 1.07 1.36 58 11.28 12.44 28 0.87 0.93 1.21 1.52 59 12.04 13.54 29 0.99 1.06 1.36 1.69 60 12.89 14.82 30 1.13 1.19 1.52 1.88




3( ) ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Enhanced Protection) (Per $1,000 Face Amount) – Male

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 168.85 97.37 73.32 59.96 36 185.26 107.82 83.30 69.77 1 169.10 97.52 73.34 59.98 37 185.86 108.28 84.08 70.39 2 169.40 97.70 73.37 60.03 38 186.48 108.76 84.90 71.05 3 169.71 97.88 73.41 60.09 39 187.12 109.25 85.76 71.74 4 170.05 98.08 73.47 60.17 40 187.80 109.75 86.66 72.46 5 170.41 98.31 73.54 60.27 41 188.52 110.25 87.57 73.23 6 170.79 98.55 73.64 60.38 42 189.28 110.78 88.55 74.04 7 171.17 98.79 73.75 60.50 43 190.07 111.32 89.60 74.92 8 171.59 99.05 73.88 60.61 44 190.90 111.91 90.74 75.86 9 171.99 99.30 74.02 60.76 45 191.76 112.58 92.00 76.91 10 172.39 99.56 74.16 60.90 46 192.66 113.35 93.39 78.07 11 172.81 99.81 74.32 61.05 47 193.55 114.26 94.95 79.37 12 173.22 100.08 74.48 61.20 48 194.46 115.34 96.70 80.82 13 173.64 100.36 74.64 61.37 49 195.38 116.63 98.68 82.46 14 174.07 100.62 74.81 61.54 50 196.30 118.13 100.88 84.30 15 174.50 100.89 74.98 61.73 51 197.21 119.88 103.35 86.35 16 174.93 101.15 75.17 61.92 52 198.15 121.85 106.09 88.64 17 175.38 101.44 75.35 62.13 53 199.12 124.04 109.10 91.15 18 175.84 101.72 75.55 62.36 54 200.16 126.43 112.38 93.89 19 176.30 102.00 75.76 62.59 55 201.28 129.00 115.93 96.88 20 176.77 102.30 75.98 62.85 56 202.53 131.70 21 177.23 102.59 76.21 63.11 57 203.95 134.53 22 177.70 102.87 76.47 63.41 58 205.52 137.49 23 178.18 103.18 76.75 63.71 59 207.27 140.57 24 178.67 103.48 77.03 64.04 60 209.23 143.75 25 179.17 103.79 77.36 64.40 61 211.36 26 179.69 104.12 77.71 64.78 62 213.71 27 180.21 104.44 78.08 65.18 63 216.23 28 180.74 104.76 78.49 65.62 64 218.98 29 181.29 105.10 78.95 66.06 65 221.92 30 181.84 105.45 79.43 66.53 31 182.39 105.81 79.97 67.02 32 182.96 106.17 80.55 67.53 33 183.52 106.55 81.17 68.05 34 184.10 106.95 81.84 68.59 35 184.67 107.38 82.55 69.17




3( ) ( 1,000 ) — Annual Premium Rate for Forever Love Coupon Plan 3 (Enhanced Protection) (Per $1,000 Face Amount) – Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 168.07 96.94 73.04 59.70 36 182.53 106.66 81.02 66.96 1 168.32 97.10 73.07 59.74 37 183.01 107.08 81.66 67.44 2 168.59 97.28 73.12 59.79 38 183.51 107.53 82.35 67.94 3 168.88 97.47 73.18 59.84 39 184.02 108.01 83.08 68.46 4 169.20 97.67 73.26 59.92 40 184.57 108.53 83.84 69.01 5 169.53 97.88 73.35 59.99 41 185.13 109.08 84.65 69.59 6 169.88 98.11 73.44 60.08 42 185.70 109.68 85.51 70.19 7 170.24 98.34 73.55 60.18 43 186.29 110.32 86.42 70.82 8 170.61 98.58 73.67 60.28 44 186.91 111.02 87.39 71.49 9 170.98 98.82 73.79 60.39 45 187.53 111.77 88.44 72.21 10 171.36 99.07 73.91 60.50 46 188.18 112.59 89.58 72.99 11 171.74 99.31 74.03 60.61 47 188.83 113.47 90.81 73.85 12 172.12 99.56 74.16 60.73 48 189.50 114.41 92.15 74.78 13 172.51 99.80 74.28 60.85 49 190.17 115.42 93.62 75.83 14 172.91 100.06 74.41 60.99 50 190.86 116.51 95.23 77.00 15 173.30 100.31 74.56 61.12 51 191.55 117.68 96.99 78.29 16 173.70 100.57 74.70 61.26 52 192.24 118.93 98.90 79.73 17 174.12 100.84 74.84 61.40 53 192.93 120.30 100.97 81.32 18 174.52 101.10 75.00 61.55 54 193.63 121.81 103.20 83.07 19 174.95 101.37 75.17 61.72 55 194.35 123.45 105.59 84.97 20 175.36 101.63 75.34 61.90 56 195.09 125.28 21 175.78 101.92 75.53 62.09 57 195.91 127.32 22 176.22 102.20 75.72 62.29 58 196.84 129.56 23 176.65 102.47 75.94 62.51 59 197.93 132.01 24 177.08 102.75 76.16 62.74 60 199.24 134.69 25 177.53 103.05 76.40 62.99 61 200.81 26 177.96 103.33 76.66 63.26 62 202.67 27 178.41 103.63 76.94 63.55 63 204.87 28 178.86 103.93 77.26 63.84 64 207.38 29 179.31 104.23 77.60 64.17 65 210.25 30 179.76 104.54 77.97 64.51 31 180.21 104.86 78.38 64.87 32 180.66 105.17 78.83 65.24 33 181.11 105.51 79.32 65.64 34 181.58 105.87 79.84 66.05 35 182.05 106.25 80.41 66.49



: - 3( ) Appendix 3: Premium Rate Table - Forever Love Coupon Plan 3 (Enhanced Protection)


Male Female

Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 16 0.29 0.26 0.27 0.28 16 0.29 0.26 0.27 0.28 17 0.30 0.26 0.27 0.28 17 0.29 0.26 0.27 0.28 18 0.30 0.26 0.27 0.28 18 0.29 0.26 0.27 0.28 19 0.30 0.26 0.27 0.29 19 0.29 0.26 0.27 0.28 20 0.30 0.26 0.27 0.29 20 0.30 0.26 0.27 0.29 21 0.30 0.26 0.27 0.29 21 0.30 0.26 0.27 0.29 22 0.30 0.26 0.28 0.30 22 0.30 0.26 0.27 0.29 23 0.30 0.27 0.28 0.30 23 0.30 0.26 0.28 0.30 24 0.30 0.27 0.28 0.31 24 0.30 0.27 0.28 0.31 25 0.30 0.27 0.29 0.32 25 0.30 0.27 0.29 0.32 26 0.30 0.27 0.29 0.33 26 0.30 0.27 0.29 0.33 27 0.31 0.28 0.30 0.35 27 0.30 0.27 0.30 0.34 28 0.31 0.28 0.31 0.37 28 0.31 0.28 0.31 0.36 29 0.31 0.29 0.33 0.40 29 0.31 0.29 0.32 0.39 30 0.32 0.30 0.34 0.43 30 0.32 0.29 0.34 0.42 31 0.33 0.31 0.37 0.46 31 0.33 0.31 0.36 0.45 32 0.34 0.32 0.39 0.51 32 0.34 0.32 0.39 0.49 33 0.35 0.34 0.43 0.56 33 0.35 0.34 0.42 0.55 34 0.37 0.36 0.47 0.63 34 0.36 0.36 0.46 0.61 35 0.39 0.39 0.52 0.70 35 0.39 0.39 0.51 0.68 36 0.42 0.43 0.58 0.79 36 0.41 0.43 0.57 0.77 37 0.46 0.48 0.66 0.90 37 0.45 0.47 0.64 0.87 38 0.50 0.53 0.75 1.02 38 0.49 0.53 0.73 0.99 39 0.56 0.60 0.85 1.17 39 0.55 0.60 0.83 1.12 40 0.63 0.69 0.98 1.33 40 0.62 0.68 0.95 1.29 41 0.72 0.79 1.12 1.55 41 0.71 0.78 1.09 1.50 42 0.83 0.90 1.29 1.79 42 0.82 0.90 1.26 1.73 43 0.96 1.04 1.49 2.05 43 0.94 1.03 1.45 1.97 44 1.11 1.19 1.71 2.32 44 1.09 1.18 1.67 2.24 45 1.27 1.36 1.97 2.62 45 1.25 1.36 1.92 2.53 46 1.45 1.55 2.33 2.95 46 1.42 1.55 2.27 2.84 47 1.65 1.77 2.72 3.30 47 1.61 1.77 2.64 3.17 48 1.87 2.03 3.14 3.68 48 1.83 2.03 3.06 3.53 49 2.12 2.32 3.61 4.10 49 2.07 2.32 3.50 3.92 50 2.42 2.66 4.13 4.57 50 2.36 2.65 4.00 4.35 51 2.86 3.34 4.88 5.27 51 2.79 3.32 4.71 5.00 52 3.39 4.12 5.75 6.08 52 3.31 4.08 5.53 5.74 53 4.02 5.02 6.76 7.02 53 3.92 4.96 6.48 6.60 54 4.76 6.06 7.93 8.11 54 4.64 5.96 7.57 7.57 55 6.17 7.28 9.31 9.38 55 6.02 7.13 8.83 8.71





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.17 0.15 0.16 0.16 31 0.75 0.80 1.09 1.50 1 0.17 0.15 0.16 0.16 32 0.85 0.92 1.25 1.71 2 0.17 0.15 0.16 0.16 33 0.98 1.05 1.44 1.95 3 0.17 0.15 0.16 0.16 34 1.12 1.20 1.64 2.21 4 0.17 0.15 0.16 0.16 35 1.27 1.37 1.88 2.52 5 0.17 0.15 0.16 0.16 36 1.45 1.56 2.15 2.85 6 0.17 0.15 0.16 0.16 37 1.66 1.78 2.45 3.23 7 0.17 0.15 0.16 0.17 38 1.90 2.04 2.80 3.64 8 0.17 0.15 0.16 0.17 39 2.17 2.32 3.18 4.10 9 0.17 0.15 0.16 0.17 40 2.48 2.64 3.62 4.61

10 0.17 0.15 0.16 0.17 41 2.83 3.00 4.10 5.17 11 0.17 0.15 0.16 0.18 42 3.22 3.40 4.62 5.77 12 0.18 0.15 0.16 0.19 43 3.65 3.84 5.20 6.43 13 0.18 0.15 0.17 0.19 44 4.13 4.32 5.84 7.15 14 0.18 0.16 0.17 0.21 45 4.66 4.85 6.54 7.92 15 0.18 0.16 0.18 0.22 46 5.24 5.42 7.31 8.76 16 0.18 0.16 0.19 0.24 47 5.87 6.05 8.16 9.67 17 0.18 0.16 0.20 0.26 48 6.55 6.73 9.07 10.65 18 0.18 0.17 0.22 0.28 49 7.28 7.48 10.07 11.72 19 0.18 0.18 0.24 0.31 50 8.07 8.29 11.16 12.88 20 0.19 0.20 0.26 0.35 51 8.90 9.17 12.35 14.14 21 0.21 0.22 0.29 0.40 52 9.76 10.12 13.63 15.51 22 0.23 0.25 0.33 0.45 53 10.63 11.11 15.01 16.98 23 0.26 0.28 0.38 0.52 54 11.58 12.19 16.51 18.59 24 0.30 0.32 0.43 0.59 55 12.60 13.35 18.16 20.35 25 0.35 0.37 0.49 0.68 56 13.67 14.58 26 0.40 0.42 0.56 0.77 57 14.77 15.87 27 0.45 0.48 0.64 0.88 58 15.87 17.22 28 0.51 0.54 0.73 1.01 59 17.01 18.64 29 0.58 0.62 0.84 1.15 60 18.16 20.13 30 0.66 0.71 0.96 1.31





Age

Premium Term

Age

Premium Term

6 6-Year

10 10-Year

15 15-Year

20 20-Year 6

6-Year 10

10-Year 15

15-Year 20

20-Year 0 0.24 0.21 0.22 0.23 31 1.31 1.36 1.71 2.09 1 0.24 0.21 0.22 0.23 32 1.48 1.53 1.90 2.31 2 0.24 0.21 0.22 0.23 33 1.66 1.70 2.10 2.54 3 0.24 0.21 0.22 0.23 34 1.86 1.89 2.32 2.78 4 0.24 0.21 0.22 0.23 35 2.07 2.09 2.55 3.04 5 0.24 0.21 0.22 0.23 36 2.28 2.29 2.80 3.31 6 0.24 0.21 0.22 0.23 37 2.51 2.51 3.06 3.60 7 0.24 0.21 0.22 0.23 38 2.75 2.74 3.33 3.91 8 0.24 0.21 0.22 0.24 39 3.00 2.98 3.63 4.24 9 0.24 0.21 0.22 0.24 40 3.26 3.24 3.94 4.59 10 0.24 0.21 0.22 0.25 41 3.54 3.51 4.28 4.96 11 0.24 0.21 0.23 0.26 42 3.83 3.79 4.64 5.36 12 0.24 0.21 0.23 0.27 43 4.12 4.09 5.02 5.78 13 0.24 0.21 0.24 0.29 44 4.44 4.41 5.43 6.23 14 0.24 0.22 0.25 0.31 45 4.78 4.76 5.88 6.71 15 0.24 0.22 0.26 0.34 46 5.14 5.13 6.36 7.23 16 0.24 0.23 0.28 0.37 47 5.52 5.53 6.88 7.79 17 0.25 0.24 0.30 0.41 48 5.93 5.95 7.45 8.40 18 0.25 0.25 0.33 0.45 49 6.35 6.41 8.06 9.08 19 0.26 0.28 0.37 0.51 50 6.81 6.90 8.73 9.82 20 0.28 0.31 0.42 0.58 51 7.29 7.43 9.46 10.63 21 0.31 0.35 0.48 0.65 52 7.80 8.00 10.26 11.53 22 0.36 0.40 0.55 0.74 53 8.34 8.60 11.15 12.52 23 0.42 0.47 0.64 0.85 54 8.91 9.26 12.14 13.63 24 0.50 0.54 0.73 0.96 55 9.53 9.98 13.24 14.85 25 0.58 0.63 0.84 1.09 56 10.19 10.78 26 0.67 0.73 0.95 1.22 57 10.88 11.66 27 0.78 0.83 1.08 1.37 58 11.58 12.64 28 0.88 0.94 1.21 1.53 59 12.36 13.75 29 1.01 1.07 1.37 1.70 60 13.24 15.03 30 1.15 1.21 1.53 1.89

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