FWD Embracing Changes 3.0

10 times of Target premium of 1 policy year. (Maximum up to 30% of the Sum assured)

Condition:

The benefits for Late-stage cancer will only be paid once within the policy period. The maximum total amount payable for this benefit for an insured person, across all valid insurance policy of ULP product with FWD, is 2 billion VND.

FWD will pay Late-stage cancer benefit if:

• Cancer is not a pre-existing condition; and

• The insured person is still alive at the time of cancer diagnosis by a Doctor; and

• Symptoms and signs related to cancer and diagnosis must occur 90 days after the Effective Date of the contract or from the latest Reinstated Date (for contracts with Reinstated feature) or the date when the new Sum Assure becomes effective (applicable only for increase coverage).

For details, please refer to Section 8.1.1 – Product terms & condition

[Higher amount between Target premium account and Sum assured] + Excess premium account

The policy will be terminated upon payout of TPD benefit or Death benefit.

Condition:

FWD only pays TPD benefits if it is not a pre-existing condition.

For more details, please refer to Section 8.1.2 - Product Terms & Condition

• TPD insured event occurs within LA’s labor age (18-60 years old): 100% Sum assured.

• TPD insured event occurs out of LA’s labor age (18-60 years old): 50% Sum assured.

Condition:

This benefit will be paid when FWD accept the payment of TPD benefit as stated in Section 8.1.2 For more details, please refer to Section 8.1.3 - Product Terms & Condition

Since the inception, the Policy Account will earn interest according to actual performance of our Universal Life Fund and this will not be lower than our guaranteed interested rates.

Please refer to the product terms & conditions for more details on our guaranteed interest rates

Every 3 years, from Year 3 to Year 18, we will give you a regular loyalty bonus:

Regular loyalty bonus = Bonus rate (%) x The accumulated interest from your target premium account value during the review period

Bonus reviewing period: each 3 years, from Year 1 to Year 18.

Condition:

During each reviewing period, the following condition must be met:

• Policy remains in- force;

• Target Premium is paid fully every policy year; and

• No withdrawal made from the Target Premium account during the review period.

For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition

Special loyalty bonus will be paid as 100% of one annualized TP on 10th Policy anniversary

Condition:

During each reviewing period, the following condition must be met:

• Policy remains in- force;

• Target Premium is paid fully every policy year; and

• No withdrawal made from the Target Premium account during the review period.

For more details, please refer to Section 8.2.1 and 8.2.3 - Product Terms & Condition

Customer will receive policy account value at Policy maturity date.

At the Policy maturity date, FWD shall pay the additional benefit (on top of Maturity benefit at specified in the 9.2.2) equal to 20%SA, but not exceed 500mil.

Condition:

The Well-being benefit will be paid when the Policy maturity benefit paid

For more details, please refer to Section 8.3.1

During the first 3 policy years, provided that all Target premiums of basic plan have been paid fully in due (including the case that EPA is used to pay for Target premium) and no partial withdrawal from TPA, the basic plan is guaranteed to remain in-force even in case of Target Premium Account is insufficient to cover monthly Cost of insurance and Admin charge.

Condition:

The Non-lapse guarantee benefit is applied if the following conditions are met within the first 3 policy years:

• All Target premiums of basic plan have been paid fully in due and;

• no partial withdrawal from Target Premium Account

Customer can request to increase the sum assured at the following key milestones without going through underwriting:

• Getting married; or

• Having a baby or adopted children; or

• Your child(ren) starting primary, secondary, high school or university.

With the same premium, you have the flexibility to select Sum Assured depending on your preference/ priority need at inception, either focusing on protection, or investment, or balancing both. In addition, you also have the flexibility to adjust chosen plan in the future once your need changes.