Smart Protector II Life Insurance Plan It’s smart to be financially protected. Because whilst your life might be all smooth sailing right now, you never know when things may change. Smart Protector II, a really smart and affordable insurance plan, helps you realize your dreams and achieve a financially secure future for you and your family as well as provide life protection up to age 100 for you. Security that Goes a Long Long Way Life Protection – What could possibly be better peace-of-mind than a financial security for you and your family up to age 100? Smart Protector II gives you outstanding value for life protection and a wide range of benefits. It helps your family, if misfortune strikes, to maintain the kind of lifestyle they enjoy. Knowing that your family are well taken care of, you can set your mind at ease and focus your energy on those special goals so dear to you. Guaranteed Cash Value for Easy Future Planning Guaranteed Cash Value – Smart Protector 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 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 10 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 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 II, your premium for the life protection is fixed and guaranteed to remain unchanged for the term of the policy. Moreover, as long as your premium for the life protection is duly paid, your life coverage is guaranteed until age 100, giving you a total peace of mind. Supplementary Protection – You can combine Smart Protector 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 Up to age 100 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 10 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 Protector II Life Insurance Plan Product Leaflet in Acrobat (PDF) format (1,996 KB)

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