Achieve your goals with flexibility. Savings

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1 Savings Achieve your goals with flexibility SAVVYSAVER A flexible endowment plan that provides guaranteed cash payouts to help you fulfill your goals.

2 You may have plans for your long-term goals such as getting a postgraduate degree, going on an occasional rewarding holiday, or simply preparing for unexpected emergencies. With SAVVYSAVER, you can start your endowment plan from as low as S$100 per month while enjoying the flexibility of having liquidity whenever you need it.

3 Saving big while still being flexible Flexible payout options Option to receive yearly guaranteed cash payout starting from the end of the 2nd policy year, till the year before the policy matures. Alternatively, you can choose to accumulate the yearly cash payout and receive a higher lump sum at the end of the policy. Flexible policy terms Choose from 4 choices of policy terms: 15, 18, 21 or 24 years, whichever best suits your needs Protection coverage against uncertainties Offers coverage for death and terminal illness1 Guaranteed issuance upon application Hassle free application with no medical check up required2. More riders for your peace of mind Optional riders available to waive future premiums in the event of disability or critical illness3. Tips to get started on your insurance savings plan Set a budget and estimate shortfall Work out the budget amount and calculate the gap between your goal and current savings. Set aside an amount monthly to achieve the targeted goal. Make your money work harder for you Having an endowment insurance plan with guaranteed returns is one of the ways to maximise your financial savings.

4 Illustrative example Profile: Annie, aged 25, plans to set aside S$3,600 annually for 21 years. SavvySaver offers a guaranteed cash payout4 of S$2,175 per year starting from the end of the 2nd policy year. These payouts will be automatically on behalf of Annie at the current interest rate of 3% per annum 6 and may vary over time. Annie has the option to accumulate the cash payout, or to withdraw when she needs it5. Guaranteed cash payout S$2,175 x 4 = S$8,700 Interest6 earned = S$399 Withdraw for Europe Tour = S$8,000 Balance = S$1,099 Balance from age 30 = S$1,099 Guaranteed cash payout S$2,175 x 10 = S$21,750 Interest6 earned = S$3,562 Full withdrawal for home renovation = S$26,411 Balance = S$0 Receives S$55,904 to support her children s education Age 25 Annie buys SavvySaver, saves S$300 each month Age Age 26: Guaranteed cash payout available from 2nd policy year Age 30 Goes on a Europe Tour Age 40 Pays for home renovation Age 45: Guaranteed cash payout ends Age 46 Policy matures MID TERM (Age 26-30) Accumulates the yearly cash payouts4 and earn a higher amount with nonguaranteed interest rate*. LONG TERM (Age 31-46) Withdrawal at important milestones to finance for home renovation and to support children s education. *Accumulation Interest rates may vary over time. Timeline of Annie s SavvySaver plan ALTERNATIVE SCENARIOS Considering another scenario, if Annie had all of her yearly cash payout4 of S$2,175 over 21 years: Full accumulation & no withdrawals With withdrawals Start Age 25 No withdrawals Total Premium Total Projected :7 Paid: S$75,600 S$61,105 Guaranteed + S$39,173 Nonguaranteed = Benefit and yearly cash bonuses and interest payouts Age 46 S$100,278 Start Age 25 Withdrawal for Tour S$8,000 Withdrawal for home renovation S$26,411 Total Premium Total Projected :7 Paid: S$75,600 Total Withdrawal: S$34,411 S$26,969 + S$29,211 = Guaranteed Benefit and yearly cash payouts Nonguaranteed bonuses and interest Age 46 S$55,904

5 Footnotes 1. SavvySaver is an endowment plan with benefits that add to your peace of mind. In the unfortunate event of Death or Terminal Illness (subject to exclusions), you will receive the higher of: a. 101% (if the event occurs within the first two policy years) or 105% (if the event occurs thereafter) of the Total Premiums Paid; or b. the Total Surrender Value. You will also receive any cash payouts and interest (if any). 2. SavvySaver is a guaranteed issuance offer plan. Optional riders will be subject to underwriting. 3. Please refer to your Financial Adviser. Medical underwriting will be necessary. 4. For policy term 15 and 18 years, the cash payout is 5% of SavvySaver sum assured. For policy term 21 and 24 years, the cash payout is 5.5% of SavvySaver sum assured. The cash payout is payable every year from the end of the second policy year until the year preceding maturity. 5. Minimum withdrawal limit is equivalent to one (1) guaranteed yearly cash payout for your policy. Yearly cash payout previously withdrawn cannot be deposited back with AXA. 6. Based on current interest rate of 3% per annum and is not guaranteed. 7. All non-guaranteed bonuses are based on a projected investment return of 4.75% per annum on the participating fund, if the policy remains in force and no prior claim on the policy. Important Information SavvySaver is a plan underwritten by AXA Insurance Pte Ltd. This brochure is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. 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 regard to the specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial consultant before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value may be less than total premiums paid. The insurance policy featured in this brochure is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefits that are covered under the Policy Owners Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at or visit the LIA or SDIC websites ( or for a copy of the SDIC Guide on PPF Scheme (Life Insurance). All information stated in the brochure is correct as of 1 February Contact Us (Singapore) (International) customer.care@axa.com.sg axa.com.sg Like our Facebook Page facebook.com/axasingapore Download MyAXA Or scan here

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