MoneySmart Men/Ladies - Life Insurance Plan Illustration

Overview | Benefits | Investment-linked Funds | Illustration

More power to grow¹ your money through investments

Build your savings through investment-linked funds and making your money work harder for you.

For example, if you are a male non-smoker aged 30 (next birthday) who saves $500² a month for a period of 20 years, the illustration below shows how returns differ for the following scenarios:

¹ Bonuses and investment returns are not guaranteed as they are dependent on the performance of Aviva Ltds life fund and ILP funds respectively.
² Does not include premiums for supplementary benefits.
³ Assuming the relevant % of premiums are invested in the with-profits endowment plan (known as asset plan regular, AP) and in an ILP sub fund with an Annual Management Charge of 2.5% under the ILP and this number reflects the surrender value of the ILP component and assumes there are no previous cash withdrawals from the policy. The illustration is based on the projected investment rate of return of 4.75% for AP and 9% for ILP. The projected investment rates of return are used purely for illustrative purposes the actual rate may be higher or lower. The actual benefits payable will depend on the actual performance of the underlying assets of the investment-linked sub-fund. The performance of the investment-linked sub-fund is not guaranteed and, in particular, the value of the units in the investment-linked sub-fund may fall, as well as rise. Investors should read the Product Summary before deciding whether to subscribe for units in the investment-linked sub-fund.
⁴ Based on the prevailing first tier savings account rate among major banks. Accurate as at 9 December 2010.