Smart Protecter 10 II Life Insurance Plan Who knows exactly what the future holds? You need something to rely on when life doesn’t go according to plan. The new Smart Protector 10 II is designed to quickly deliver long-term financial security for you and your family. With only 10 years of affordable premium payments, you can enjoy life protection up to age 100 and steady wealth growth over time. So you can relax and live your life with total peace of mind. Short Payment….Life Protection Up to Age 100 10-Year Limited Pay – Would you like to enjoy life protection up to age 100 but shorten the premium payment period? Smart Protector 10 II shortens your premium payment to just 10 years, while life coverage is provided up to the age of 100. You can put your mind at ease so much sooner and, at the same time, be certain of a secure future for you and your family. Guaranteed Cash Value for Easy Future Planning Guaranteed Cash Value – Smart Protector 10 II offers guaranteed cash value. Such cash value is guaranteed by our Company upon surrender regardless of the performance of the investment market, which helps you to plan ahead for a sound future and to enjoy steady wealth growth with certainty. Additional Returns from Annual Dividends and Special Investment Bonus Annual Dividendsto Help You Save – Smart Protector 10 II offers you an easy way to save. On top of your guaranteed cash value, you can benefit from the annual dividendsdeclared by our Company to grow your wealth. Your annual dividends will be accumulated at the current interest rate. Just sit back and let your money work for you! Annual dividends are not guaranteed and may be changed, from time to time, by the Company. The current interest rate for accumulated dividends is not guaranteed and may be changed, from time to time, by the Company. Special Investment Bonus – For surrender of policy or in the unfortunate event of death, a one-off special investment bonus will be payable if the policy has been in force for 5 years. Special investment bonus is not guaranteed and may be changed, from time to time, by the Company. Comprehensive Protection Gives You Total Peace of Mind Life Protection up to Age 100 – Smart Protector 10 II gives you life protection up to age 100. In the unfortunate event of death, your designated beneficiary will receive the basic sum insured, the accumulated dividends (if any) plus the special investment bonus (if any). You can be assured that your loved ones are well taken care of financially. Fixed Premium and Life Coverage – Under Smart Protector 10 II, your premium for the life protection is fixed and guaranteed to remain unchanged for 10 years. Moreover, your life coverage is guaranteed until age 100 once the premium for the life protection is fully paid up in 10 years, giving you a total peace of mind. Supplementary Protection – You can combine Smart Protector 10 II with a wide range of insurance products we offer to tailor for your personal needs. Protection against major illness, accidents, disability and the financial burden caused by medical expenses, are all available for you to choose.

Summary of Product Features Premium Payment Term 10 years Life Protection Coverage Period Up to age 100 Guaranteed Cash Value Guaranteed by our Company to be payable upon surrender Annual Dividends Declared annually. Client can choose to withdraw them or leave them with us to earn interest. Special Investment Bonus A one-off bonus payable upon death or surrender after the policy has been in force for 5 years Annual dividends are not guaranteed and may be changed, from time to time, by the Company. Special investment bonus is not guaranteed and may be changed, from time to time, by the Company. Plan a secure future now with AXA. Click here to download Smart Protecter 10 II Life Insurance Plan Product Leaflet in Acrobat (PDF) format (2,484 KB)

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