CATHAY ENHANCED LADY ENDOWMENT CONTENT PARTICIPATE CONDITION

CATHAY ENHANCED LADY ENDOWMENT

CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION

CATHAY ENHANCED LADY ENDOWMENT CONDITIONS OF PARTICIPATION Policy Term Premium Paying Period Age of LA 8 YEARS 18 ~ 53 yrs old 12 YEARS 18 ~ 49 yrs old 18 YEARS 18 ~ 43 yrs old

CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION

CATHAY ENHANCED LADY ENDOWMENT INSURANCE BENEFIT 10%SA per each time *Waiting period: 2 years/ Pay maximum 2 times Full-moon Medical checkup Incentive benefit on Maturity date: q 10%SA: get full-moon 1 time during PT q 20%SA: don’t get full-moon during PT Pay at the end of each 2 years: q. First five (05) times: 2%SA q. Next time: 3%SA

CATHAY ENHANCED LADY ENDOWMENT INSURANCE BENEFIT Feminine 100% SA Organ Cancer * Waiting period = 90 days / Pay only 1 time. Feminine Particular Surgery Maturity 20%SA per time * Waiting period = 30 days / Pay maximum 15 times 260% SA 320% SA 220% SA PT = 12 years 16 years 22 years

CATHAY ENHANCED LADY ENDOWMENT INSURANCE BENEFIT Interest Feedback The difference Interest will be calculated at the end of each year during premium paying period. Death/TPD Maximum of 100% ISA and 110% Total Premium Paid

CATHAY ENHANCED LADY ENDOWMENT INSURANCE BENEFIT An Example: Ms. paying period 18 years and annual premium 13. 8 M. Policy Term Increase 10 Mper year Death/TPD 100 M Cancer 100 M Surgery 20 M for each sugery Full-moon 10 M for each giving birth time Medical check-up 323 2 M Entry 2 M … 2 M 3 M 3 M . . . 3 M 3 M 30 32 … 38 40 42 … 48 50 M 52 MATURITY

CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION

CATHAY ENHANCED LADY ENDOWMENT Illustration An Example: Ms. paying period 18 years and annual premium 13. 8 M. Death/ TPD Benefit Entry 2 nd 4 th … 10 th 12 th 200, 000 Entry Medical checkup and Maturity Benefit 2 nd 2, 000 … 10 th 2, 000 … … 22 nd Policy is terminated 20 th 3, 000 22 nd 323, 000

CATHAY ENHANCED LADY ENDOWMENT Illustration An Example: Ms. paying period 18 years and annual premium 13. 8 M. Full-moon Benefit Case 1: Entry 2 nd … … 22 nd 10, 000, 000 Case 2: Entry 2 nd … 10 th … 10, 000 22 nd 10, 000 Case 3: Entry 2 nd 4 th … 10 th … 20, 000

CATHAY ENHANCED LADY ENDOWMENT Illustration An Example: Ms. paying period 18 years and annual premium 13. 8 M. Cancer Feminine Organ Cancer Benefit Entry 2 nd 4 th … 10 th 12 th 100, 000 Feminine Particular Surgery Benefit … Policy is still effective Surgery Entry 2 nd 4 th 22 nd Surgery … 20, 000 10 th 12 th … 22 nd 20, 000

Illustration table 1 2 3 4 30 31 32 33 13, 800, 000 Annual Accumulate Premium of Basic plan 13, 800, 000 27, 600, 000 41, 400, 000 55, 200, 000 5 6 7 8 9 10 34 35 36 37 38 39 13, 800, 000 13, 800, 000 69, 000 82, 800, 000 96, 600, 000 110, 400, 000 124, 200, 000 138, 000, 000 0 2, 000 30, 391, 000 40, 132, 000 53, 126, 000 66, 358, 000 83, 374, 000 100, 807, 000 25, 832, 350 34, 112, 200 45, 157, 100 56, 404, 300 70, 867, 900 85, 685, 950 150, 000 160, 000 170, 000 180, 000 190, 000 200, 000 25, 500, 000 32, 100, 000 39, 800, 000 47, 300, 000 55, 700, 000 63, 900, 000 11 12 13 14 15 16 17 18 19 20 21 22 40 41 42 43 44 45 46 47 48 49 50 51 13, 800, 000 13, 800, 000 0 0 151, 800, 000 165, 600, 000 179, 400, 000 193, 200, 000 207, 000 220, 800, 000 234, 600, 000 248, 400, 000 248, 400, 000 0 3, 000, 000 0 3, 000 0 323, 000 117, 229, 000 131, 840, 000 150, 507, 000 167, 559, 000 188, 880, 000 208, 889, 000 233, 423, 000 256, 852, 000 275, 245, 000 292, 061, 000 313, 186, 000 0 99, 644, 650 112, 064, 000 127, 930, 950 142, 425, 150 160, 548, 000 177, 555, 650 198, 409, 550 218, 324, 200 233, 958, 250 248, 251, 850 266, 208, 100 0 210, 000 220, 000 230, 000 240, 000 250, 000 260, 000 270, 000 280, 000 290, 000 300, 000 310, 000 320, 000 69, 500, 000 74, 300, 000 79, 200, 000 83, 700, 000 88, 100, 000 92, 200, 000 96, 200, 000 0 0 Policy Age Year Annual Premium of Basic Plan Maturity Benefit/ Cash Benefit Surrender value Loan able Surrender Value 0 2, 000, 000 0 8, 353, 000 14, 849, 000 21, 282, 000 0 7, 100, 050 12, 621, 650 18, 089, 700 Sum Assured of Reduced Death benefit Paid-Up Insurance 110, 000 0 120, 000 8, 100, 000 130, 000 13, 700, 000 140, 000 18, 900, 000