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Premium Paying Rider (PPR) refers to integrated rider products and/or endorsement of an integrated rider product (if any) which can be attached with any basic plan except basic plan that cannot be attached with any rider (e.g. Annuity Fix, AIA Senior Happy), and basic plan with coverage period less than 10 years.

Unit Deducting Rider (UDR) refers to a rider which has a COI payment that deducts the auto-redemption of investment units that can be attached with AIA Issara Plus (Unit Linked) only.

Remarks

• Receive an additional 5% discount on your first year premium and/or COI cashback with a minimum of 3 AIA Vitality integrated products under the same new policy.
• Upfront discount and/or COI cashback on the first year are based on standard premium rate of AIA Vitality integrated products that meet the minimum sum assured requirements.
• Maximum status-based premium discount and/or COI cashback are 15%, 20% or 25% as specified in the table above.
• AIA H&S Extra and AIA Infinite Care must be under the New Health Standards.
• AIA Health Plus rider is for insured members under AIA group insurance policy with health rider only, the member’s status must be in-force as of the application submission date.
• The applicant has obligation to declare facts when applying for the insurance. Concealment or false declaration may cause the Company to void and deny the payment of compensations under the policy.
• The applicant is advised to study details of product information in prospectus. After receiving the policy, the insured is advised to study the terms and conditions of coverage in the policy contract.
• Unit linked life insurance is not a bank deposit and involves risks. The applicant is advised to have an understanding of the product characteristics, conditions of returns and risk structure, as well as to study, read, and have a thorough understanding of the information contained in the sales supporting documents and the fund prospectus before making decisions on insurance and investment.