every family needs a home we ll make sure yours always will

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1 AXA ASSURE every family needs a home we ll make sure yours always will flexible mortgage loan coverage affordable premium plans option of joint-life protection Decreasing Term Assurance

2 enjoy greater peace of mind knowing your loved ones will always have a home to call their own Your family is the pride and joy of your life. You ve worked hard to provide them with a comfortable home. Wouldn t it be good to know that the safe little haven you ve built for them remains safe no matter what? If your house is financed with a mortgage loan, that makes it all the more vulnerable if unexpected and unfortunate events happen to you. Decreasing Term Assurance is designed to shelter your family against such difficult situations. It helps pay off the remainder of your housing loan and makes sure a roof stays over your family. With Decreasing Term Assurance, I can relax knowing my family will always have a home even if something happens to me. I like its flexible coverage and competitively priced premiums, and the fact that it gives me personal protection wherever I am as I travel a lot. Mr Yee, age 34

3 we ll take care of your housing loan With Decreasing Term Assurance, you can choose an amount of insurance coverage that matches your housing loan. As your loan amount decreases over time with repayments, so does the sum assured throughout the policy term. The reduction rate may be pegged to your loan interest rate of up to 15%. In the event of death, Total & Permanent Disability (TPD) or Terminal Illness (TI), your loved ones can use the policy s sum assured to meet any outstanding housing loan payments. It s the ideal protection plan that takes care of your housing loan when you re unable to. You can also buy Decreasing Term Assurance if you need high insurance cover at the start of the policy and decreasing coverage as time goes by.

4 protect more than just your home Personal insurance anytime, anywhere You ll get complete 24-hour insurance protection that covers death, TPD and TI anywhere in the world. Affordable premium payments The low and affordable premiums won t add a strain to your finances. You can also choose to pay in one lump sum 1 or in regular payments. What s more, the regular premium policy comes with a premium waiver on the last 3 years of your policy. So, for example, you only need to pay 12 years of premium for a 15-year policy. Flexible coverage for everyone Because everyone has different needs, you can choose from a coverage term of between 10 to 30 years for regular premium plans, or 5 to 30 years for single premium plans.

5 get double the protection Joint Life Decreasing Term Assurance With Joint Life Decreasing Term Assurance, both jointowners of the house will enjoy protection coverage in one policy if your home is financed by two parties. Should either of the joint-assured parties meet with any misfortune, the sum assured will cover your mortgage loan as follows: In the case of death of one of the joint-assured parties, a lump sum will be payable to the surviving joint-assured party. Should TPD or TI occur to one of the joint-assured parties, the sum assured will be payable to this party.

6 extra benefits for greater assurance (for single life, regular premium only) Personal Accident Benefit This helps to cover your lost income and medical expenses should you meet with an unfortunate accident. In addition to paying for accidental death, this benefit also compensates you for major and minor disabilities caused by accidents. Living Accelerator Benefit If you are diagnosed with any one of the 30 critical illnesses, you will immediately receive the full sum assured in a lump sum. Premium Erasers In the event of the diagnosis of any of the 30 critical illnesses, further payment of premiums is no longer needed. For third party policies, future premium payments will be erased upon the payer s death, TPD, TI or Critical Illnesses (CI) (optimal coverage). Contact your adviser or our customer service officers today

7 Important Information: 1. Lump sum payment is only available for basic policy. The brochure is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This document should be read in conjunction with the product summary. A product summary is available and may be obtained from AXA Insurance Pte Ltd and the participating distributors offices. You should read the product summary before deciding whether to purchase the policy. The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from an adviser, you should consider whether the product in question is suitable for you.

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