CATHAY ENHANCED LADY ENDOWMENT
PARTICIPATE CONDITION CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION
CATHAY ENHANCED LADY ENDOWMENT CONDITIONS OF PARTICIPATION Policy Term 8 YEARS 12 YEARS 18 YEARS Premium Paying Period Age of LA 18 ~ 53 yrs old 18 ~ 49 yrs old 18 ~ 43 yrs old
PARTICIPATE CONDITION CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION
CATHAY ENHANCED LADY ENDOWMENT INSURANCE BENEFIT Full-moon 10%SA per each time *Waiting period: 2 years/ Pay maximum 2 times Incentive benefit on Maturity date: 10%SA: get full-moon 1 time during PT 20%SA: don’t get full-moon during PT Medical checkup Pay at the end of each 2 years: First five (05) times: 2%SA Next time: 3%SA
CATHAY ENHANCED LADY ENDOWMENT Feminine Particular Surgery INSURANCE BENEFIT Feminine Organ Cancer 100% SA * Waiting period = 90 days / Pay only 1 time. Feminine Particular Surgery 20%SA per time * Waiting period = 30 days / Pay maximum 15 times 320% SA Maturity 260% 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 10M for each giving birth time INSURANCE BENEFIT Example: Ms. An 30 years old buy Thinh An Phuc My Toan Dien with Sum Assured 100M, premium paying period 18 years and annual premium 13.8M. Policy Term Increase 10Mper year Death/TPD 100M Cancer 100M Surgery 20M for each sugery 323M Full-moon 10M for each giving birth time Medical check-up 2M 2M … 2M 3M 3M ... 3M 3M MATURITY Entry 30 32 … 38 40 42 … 48 50 52
PARTICIPATE CONDITION CONTENT PARTICIPATE CONDITION INSURANCE BENEFIT ILLUSTRATION
CATHAY ENHANCED LADY ENDOWMENT Medical checkup and Maturity Benefit Illustration Example: Ms. An 30 years old buy Thinh An Phuc My Toan Dien with Sum Assured 100M, premium paying period 18 years and annual premium 13.8M. Death Death/ TPD Benefit Entry 2nd 4th … 10th 12th … 22nd 200,000,000 Policy is terminated Entry 2nd … 10th … 20th 22nd Medical checkup and Maturity Benefit 2,000,000 2,000,000 3,000,000 323,000,000
CATHAY ENHANCED LADY ENDOWMENT Illustration Example: Ms. An 30 years old buy Thinh An Phuc My Toan Dien with Sum Assured 100M, premium paying period 18 years and annual premium 13.8M. Case 1: Full-moon Benefit Entry 2nd … … 22nd 10,000,000 10,000,000 Case 2: Entry 2nd … 10th … 22nd 10,000,000 10,000,000 Case 3: Entry 2nd 4th … 10th … 20,000,000
CATHAY ENHANCED LADY ENDOWMENT Illustration Example: Ms. An 30 years old buy Thinh An Phuc My Toan Dien with Sum Assured 100M, premium paying period 18 years and annual premium 13.8M. Cancer Feminine Organ Cancer Benefit Entry 2nd 4th … 10th 12th … 22nd 100,000,000 Policy is still effective Surgery Surgery Feminine Particular Surgery Benefit Entry 2nd 4th … 10th 12th … 22nd 20,000,000 20,000,000
Illustration table Policy Year Age Annual Premium of Basic Plan Annual Accumulate Premium of Basic plan Maturity Benefit/ Cash Benefit Surrender value Loan able Surrender Value Death benefit Sum Assured of Reduced Paid-Up Insurance 1 30 13,800,000 110,000,000 2 31 27,600,000 2,000,000 8,353,000 7,100,050 120,000,000 8,100,000 3 32 41,400,000 14,849,000 12,621,650 130,000,000 13,700,000 4 33 55,200,000 21,282,000 18,089,700 140,000,000 18,900,000 5 34 69,000,000 30,391,000 25,832,350 150,000,000 25,500,000 6 35 82,800,000 40,132,000 34,112,200 160,000,000 32,100,000 7 36 96,600,000 53,126,000 45,157,100 170,000,000 39,800,000 8 37 110,400,000 66,358,000 56,404,300 180,000,000 47,300,000 9 38 124,200,000 83,374,000 70,867,900 190,000,000 55,700,000 10 39 138,000,000 100,807,000 85,685,950 200,000,000 63,900,000 11 40 151,800,000 117,229,000 99,644,650 210,000,000 69,500,000 12 41 165,600,000 3,000,000 131,840,000 112,064,000 220,000,000 74,300,000 13 42 179,400,000 150,507,000 127,930,950 230,000,000 79,200,000 14 43 193,200,000 167,559,000 142,425,150 240,000,000 83,700,000 15 44 207,000,000 188,880,000 160,548,000 250,000,000 88,100,000 16 45 220,800,000 208,889,000 177,555,650 260,000,000 92,200,000 17 46 234,600,000 233,423,000 198,409,550 270,000,000 96,200,000 18 47 248,400,000 256,852,000 218,324,200 280,000,000 19 48 275,245,000 233,958,250 290,000,000 20 49 292,061,000 248,251,850 300,000,000 21 50 313,186,000 266,208,100 310,000,000 22 51 323,000,000 320,000,000