You Plant, You Gr w, You Harvest.

Wealth Enhancer LifeIncome Plus 1

LifeIncome Plus 2 LifeIncome Plus 3 LifeIncome Plus 4

PRESERVED VALUE

SHORT-TERMCOMMITMENT LONG-TERM

RETURNS

Everyone dreams of being wealthy as wealth is the abundance of valuable resources that provide for one’s better living standard. Wealth can be transformed into lifestyle needs such as home ownership, college education, retirement funds or even family inheritance.

Building wealth does not have to be a dream anymore. There are ways to build wealth just like growing a tree. You select the seed, then plant it and later harvest the delicious fruits.

Similarly in building wealth – by taking the steps to plan now, one can lay the foundation for a lifetime of financial security to meet one’s desired lifestyle needs.

Armed with these insights, Hong Leong Assurance offers you the seeds to grow your own garden of wealth. With HLA Wealth Builder and its five exclusive riders you now have the opportunity to plan and build your own wealth.

Guaranteed Yearly IncomeWith HLA Wealth Builder and its five exclusive riders (Wealth Enhancer and LifeIncome Plus 1, 2, 3, 4), you can now mix and match to design your wealth blueprint. You may enjoy guaranteed yearly income from as early as year 1 to age 90. This guaranteed yearly income is expressed as a percentage of sum assured. Please refer to the tables next page for details of payment.

Short-term Commitment, Long-term ReturnsYou may exercise the fully paid-up option to shorten your premium payment to 6 years. With such flexibility, you have the choice to lessen your financial commitment and yet enjoy continuous yearly income and coverage up to age 90.

Preserving Value at MaturityHLA Wealth Builder guarantees you the returns of 150% of your Basic Sum Assured (BSA) upon maturity.

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You Plant, You Gr w, You Harvest

WHAT IS MY GUARANTEED YEARLY INCOME?

% of Basic Sum Assured (BSA)

HLA WealthBuilder If paid-up at end of 6th year

Premium to be paidfor 10 years

If paid-up at end of 6th year

Premium to be paidfor 12 years

3.00%

6.28%

LifeIncome Plus 1 – 4

% of Rider SumAssured (RSA)

The Harvest

5.00%

8.88%

WHEN WILL I RECEIVE MY GUARANTEED YEARLY INCOME?

Starting from

Payable Up to expiry of respective plan

HLA WealthBuilder

End of 10th year

If paid-up at end of 6th year

Premium to be paidfor 8 years

1.00%

1.00% from 1st to 6th year;1.38% from 7th year onwards

Wealth Enhancer

LifeIncome Plus 2

55 years old

LifeIncome Plus 3

60 years old

LifeIncome Plus 4

65 years old

LifeIncome Plus 1

45 years old

Wealth Enhancer

End of 1st year

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HLA Wealth Builder and its five exclusive riders preserve value in the long term to meet your desired lifestyle needs.

HOW LONG IS THE PREMIUM PAYMENT TERM?

10 years; or alternatively paid-up at end of 6th year

The Effort

Policy Year (End of Year)

123456789

10 and onwards

110% of BSA120% of BSA130% of BSA140% of BSA150% of BSA150% of BSA150% of BSA150% of BSA150% of BSA150% of BSA

110% of BSA120% of BSA130% of BSA140% of BSA150% of BSA175% of BSA200% of BSA225% of BSA250% of BSA275% of BSA

If paid up at end of 6th policy year Premium to be paid for 10 years

You can have the peace of mind knowing that HLA Wealth Builder gives you increasing coverage.

BSA – Basic Sum Assured

SURELY BELONGS TO YOUFrom the five riders with additional premium, you can look forward to a steady guaranteed yearly income stream. You can be rest assured that your outstanding guaranteed yearly income is payable in one lump sum to your loved ones should death or total and permanent disability happen to you.

Always Protecting Your Family and You

8 years; or alternatively paid-up at end of 6th year

12 years; or alternatively paid-up at end of 6th year

HLA WealthBuilder

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HLA WealthBuilder Wealth Enhancer LifeIncome Plus 1 – 4

HOW TO NOTIFY CLAIM?In the event of a claim, you just need to submit a written notice on the occurrence of the claim event.

WHAT HAPPENS IF YOU TERMINATE YOUR POLICY EARLY?Your policy will acquire a guaranteed minimum cash value after you have paid premium for 3 full years. This guaranteed minimum cash value will be the minimal amount we pay you when you terminate your policy prematurely.

If you terminate your policy prematurely, it may result in you getting back less than the premium you had earlier paid for in this policy.

If you retain your policy at the meantime but choose to stop your premium payment now, your policy may be terminated at a later stage thus termination of protection and loss of your planned income streams.

WHAT YOU NEED TO KNOW...Entry age: Minimum – 1 month; Maximum – ranges from 40 to 60 years

Basic Sum Assured: Minimum – RM10,000; Maximum – Subject to underwriting

Rider Sum Assured: Minimum – RM10,000; Maximum – Subject to underwriting

Before you sign up for this policy, you should assess the suitability of this policy in relation to your needs and that you can afford the premium payable under the policy.

The value of the dividends and interest earned on the yearly income retained with us are not guaranteed and will depend on the investment performance and operating experience of our life insurance (participating) fund.

It is highly recommended that you ask for and study our sales illustration and Product Disclosure Sheet, paying particular attention to the non-guaranteed benefits.

Total and Permanent Disability benefit will be paid in accordance to the Company’s Total and Permanent Disability provision.

All applications are subjected to underwriting.

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YOUR SATISFACTION IS GUARANTEED

You have 15 days to review your policy after the delivery date. If for any reason you decide not to take up the policy, you may cancel the policy and you will get a full refund your premiums paid less any deduction of medical expenses incurred.

Important: This brochure is merely for simple brief information and is never intended to be a basis of an insurance policy or contract of insurance. Please ask for a copy of our policy for specific terms, conditions and exclusions of coverage for perusal. The information contained in this brochure may be changed without prior notice. In the event of any dispute or ambiguity arising out of the Bahasa Malaysia and Chinese translations in this brochure, the English version shall prevail.

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