AXA Vertex Annuity InvestLife Plan (Exclusive for Citibank* Customers) A whole of life investment-linked insurance plan requires just 5 years of Regular Premiums and offers guaranteed reassurance at the 12 policy anniversary together with an annuity benefit thereafter. Its key features include: • Performance Lock-in Guarantee The Plan allows you to lock-in the highest anniversary value during the first 11 policy years. As a result, you can capture potentially unlimited market returns without worrying about investment markets’ timing factors. • No Loss Premium Guarantee The Plan covers up to 105% of your total premium paid, giving you added peace of mind. • Lifelong Guaranteed Income Options At the end of policy year 12, you can apply your account value to elect for the Annuity Benefit Option that provides you with a lifetime guaranteed income with the potential to increase over time if your investments perform well. Alternatively, you can choose to purchase a traditional life annuity plan, withdraw you account value in one lump sum or continue with your policy as it is. • A Wide Range of Fund Choices to Fit Your Needs A wide range of attractive fund choices with proven track records is available for you to choose from. They include both popular emerging market equity funds and high-yield bond funds. For details of the funds currently available, please refer to Investment Fund Choice leaflet. • Financial Flexibility To cope with unexpected financial needs, the Plan provides you with added flexibility including partial withdrawal without Early Encashment Charge at any time before you elect for the Annuity Benefit Option, premium holiday and 6 free fund switches per year. • Life Benefit The Plan offers you life benefit. In the unfortunate event of your death, you can be sure that your loved ones will be taken care of. Download Literature AXA Vertex Annuity InvestLife Plan - Principal Brochure (6,256 KB) AXA Vertex Annuity InvestLife Plan - Investment Fund Choice leaflet (2,549 KB) Download Acrobat Reader to view PDF file Enquiry AXA Citigold Tel: (852) 2506 2682 AXA Citibanking Tel: (852) 2506 2683 * The Plan is offered by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) as an authorized insurance company under the Insurance Companies Ordinance in Hong Kong. Citibank (Hong Kong) Limited is acting as an insurance agent for AXA China Region Insurance Company (Bermuda) Limited. Notes: 1 The guarantee only applies if the policy is held till the end of the 12 policy year. Any unpaid Regular Premium, partial withdrawal, premium holiday or premium reduction during the first 5 policy years will result in the cancellation of the guarantee. Any partial withdrawal made after policy year 5 will reduce the value of the guarantee. Please refer to the Principal Brochure of the Plan for details. 2 Total premium paid includes all Regular Premium and Initial Lump Sum Premium (if any) paid in by the Owner. 3 The Annuity Benefit Option is at all times subject to the terms and conditions and policy charges relating to the Plan and is only applicable under designated circumstances. Please refer to the Principal Brochure of the Plan for details. 4 Your allocation of investment funds will be subject to the minimum and maximum allocation percentages for each category of investment funds as specified in the Principal Brochure of the Plan. 5 The minimum partial withdrawal amount is currently USD500. Partial withdrawal is free of Early Encashment Charge as long as the remaining account value is higher than the Minimum Account Balance. If the remaining account value is less than the Minimum Account Balance, the policy will be surrendered automatically and subject to an Early Encashment Charge in the first 9 policy years. Please note that any partial withdrawal you make during the first 5 policy years will result in the cancellation of the Performance Lock-in Guarantee, No Loss Premium Guarantee and No Lapse Guarantee. Partial withdrawal made between policy years 6 to 12 will reduce the Guaranteed Value proportionally. For details, please refer to the Principal Brochure of the Plan for details. 6 The Performance Lock-in Guarantee, No Loss Premium Guarantee and No Lapse Guarantee will be cancelled once an application for premium holiday is approved. Please refer to the Principal Brochure of the Plan for details. 7 The minimum switching amount is currently USD500. Your switching of investment funds will be subject to fund switching restrictions for each category of investment funds as specified in the Principal Brochure of the Plan. Please refer to the Principal Brochure of the Plan for details. 8 The Plan provides a life benefit equals 101% of your account value if the Insured passes away during the policy term and before Annuitisation of the policy. You can opt for capital protection life benefit option, which provides you with a life benefit equal to the greater of 101% of account value or 101% of total premium paid (total Regular Premium plus Initial Lump Sum Premium (if any) paid) minus all partial withdrawals. If the Insured passes away on or after Annuitisation of the policy, the Plan will provide a life benefit equals 100% of the account value. This Plan is subject to investment risks, including possible loss of the principal amounts invested if withdrawal of account value or surrender of the policy is made. Please note that investments involve risks, and the value of the investments and the yield from the Plan may go down as well as up as a consequence of the general nature of varied investments and possible exchange or interest rate fluctuation. This webpage is intended as a general summary of information and for reference only. Please refer to the Principal Brochure for details and charges.