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15

Footnotes

1 Applicable to plans with Premium Payment Terms of 20 years or more.

2 Loyalty Bonus = (Total amount of Regular Premiums paid during the first 10 policy years – total amount of partial withdrawals and/or top-ups made during the first 10 policy years [if any]) x Loyalty Bonus of 4%

Illustrative Example:Premium Payment Term 30 yearsOn the 10th policy anniversaryTotal Regular Premiums paid during the first 10 policy years SGD 120,000Total Top-ups made during the first 10 policy years SGD 0Less total partial withdrawals made during the first 10 policy years SGD 0Applicable Loyalty Bonus rate 4%_________________________________________________________________________________

Loyalty Bonus payable at the 10th policy anniversary = (SGD 120,000 – SGD 0) x 4% = SGD 4,800

Important Information

This brochure is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

A product summary is available and may be obtained from AXA Life Insurance Singapore 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 any regard to your 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.

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 www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

To find out more, visit www.axa.com.sgor speak to your financial consultant.

AXA Life Insurance Singapore Private Limited Company Reg No. 199903512M 8 Shenton Way #27-02 AXA Tower Singapore 068811 AXA Customer Care #B1-01 Tel: 68805500 Email: Customer.Care@axa.com.sg

No more missed opportunities with your future. Be empowered to have the best when you plan for your once-in-a-lifetime wedding, your children’s education, your dreams to travel the world and simply to enjoy life in your golden years. The future does not have to be uncertain. Start saving for your life choices, with Pulsar.

Harness the power of compounding returnsTo achieve the financial goal that you have always dreamed of, to begin with, you do not necessarily need a large amount of money.

Invest Early Investing early allows you to benefit from the power of compounding – a small amount of money invested over time can grow into a substantial sum in later years.

Invest Regularly By investing a set amount regularly regardless of the market environment, you take the guess work out of investing through dollar cost averaging. It reduces the impact of sharp market declines and helps smooth your returns. Even small amounts of regular investments over time can make a huge difference in your wealth.

Pulsar is your solution because it allows you to start early and start small, so that you can commit to a regular investment plan regardless of ups and downs in life.

Jumpstart your investment with PulsarLet your money work harder for you. Pulsar has the right ingredients to help accelerate your wealth.

Start-up Bonus Pulsar rewards you with a start-up bonus of up to 168%* of your first year premiums in the form of additional units to the investment right from the start, enhancing your returns when markets are rising, and shielding your portfolio when markets are falling.

Loyalty Bonus1 Receive a one-off Loyalty Bonus on the 10th policy anniversary, equivalent to 4% of total premiums contributed.2

Take charge of your investment. The longer you stay invested, the closer you are to your investment goals.

When will you start to reap your returns?The tables below illustrate the level of fund growth necessary to cover the following fees. For full details on product features and fees and charges, please refer to Pulsar product summary.

Empower your future. Start saving today with Pulsar.

ACCOUNT MAINTENANCE FEE

INVESTMENT MAINTENANCE FEE

ADMINISTRATIVE FEE

POLICY MAINTENANCE FEE

4.0% per annum / 12 of account value of first 18 months premium

1.5% per annum / 12 of total account value

SGD 10 / USD 8 per month

0.5% per annum / 12 x initial annual Regular Premium x No. of year(s) for which policy has been in force

The annual fund growth# required to cover the fees as stated above:

Monthly premium level

SGD 250

SGD 500

SGD 1,000

SGD 5,000

2.44%

2.16%

2.01%

1.90%

WITH A 15-YEAR

TERM

1.99%

1.82%

1.73%

1.64%

WITH A 25-YEAR

TERM

2.07%

1.85%

1.72%

1.59%

WITH A 20-YEAR

TERM

1.88%

1.74%

1.67%

1.61%

WITH A 30-YEAR

TERM

Example: Dan invests SGD 500 a month for a term of 20 years. To cover the fees as stated above and start reaping returns, his investment only needs to grow by more than 1.85% a year.

* The start-up bonus of up to 168% is a promotional rate. Please refer to the promotion terms and conditions for more details.# Rates are with reference to the promotional start-up bonus rate* on the assumption that the plan remains in force and all premiums due are paid for till the end of the term, and no withdrawals were made during the term. The annual fund growth required does not take the fund management charge into consideration. For full details on product features, fees and charges, please refer to Pulsar product summary.

Start-up Bonus = Regular Premium payment for 1st policy year x applicable Start-up Bonus rate x Premium Payment Term

/ Applicable to plans with Premium Payment Term (PPT) >= 10 years/ This bonus will be paid upon receipt of each payment of regular premium for the first year/ Bonus will be allocated in the form of additional units to the Initial Units Account according to the customer’s latest investment option allocation instruction

PULSAR

key product benefits

www.axa.com.sg

2.40%

10-14

2.40%

2.20%

2.00%

2.00%

2.00%

2.40%

15-19

2.40%

2.50%

2.50%

2.50%

2.50%

2.40%

20-24

2.40%

2.90%

3.40%

3.70%

4.00%

2.70%

25

2.70%

2.70%

2.70%

3.00%

3.50%

3.10%

26

3.10%

3.10%

3.10%

3.40%

3.80%

3.50%

27

3.50%

3.50%

3.50%

3.70%

4.00%

4.00%

28

4.00%

4.00%

4.00%

4.10%

4.30%

4.80%

30

4.80%

4.80%

4.80%

4.80%

4.80%

4.40%

29

4.40%

4.40%

4.40%

4.40%

4.50%

PREMIUM PAYMENT TERM

300 to <480

USD

480 to <960

250 to <400

SGD

400 to <800

1

2

960 to <1,610 800 to <1,3403

1,610 to <2,400 1,340 to <2,0004

2,400 to <4,800 2,000 to <4,0005

4,800 & above 4,000 & above6

PREMIUMBAND

MONTHLY REGULAR PREMIUM

The Start up Bonus Rates is determined with reference to the monthly Regular Premium as follows:

Illustrative Example

Premium Payment Term 30 yearsMonthly Regular Premium USD800Applicable Start-up Bonus rate 4.8% x 30 = 144%

If the Regular Premium is paid on a monthly basis, the Start-up Bonus payable upon each Regular Premium payment = USD800 x 144% = USD1,152

Total Start-up Bonus payable = USD1,152 x 12 = USD13,824

Loyalty Bonus = (Total amount of Regular Premiums paid during the first 10 policy years – total amount of partial withdrawals or top-ups made during the first 10 policy years [if any]) x Loyalty Bonus of 4%

/ Applicable to plans with Premium Payment Term (PPT) >= 20 years/ This one-off bonus will be paid at the 10th policy anniversary while the policy is in effect/ Bonus will be allocated in the form of additional units to Initial Units Account according to the customer’s latest investment option allocation instruction

Refund of Policy Maintenance Fee = 100% of total Policy Maintenance Fee paid during the Premium Payment Term (PPT)

/ Applicable to all Pulsar Policies regardless of which PPT is chosen/ Policy Maintenance Fee will be refunded at the end of the Premium Payment Term while the policy is in effect/ This refund will be allocated in the form of additional units to the Accumulation Units Account (AUA) according to the customer’s latest investment option allocation instruction

PULSAR

AXA Life Insurance Singapore Private Limited Company Reg No. 199903512M 8 Shenton Way #27-02 AXA Tower Singapore 068811 AXA Customer Centre #B1-01 Tel: 68805500 Fax: 68805501

Illustrative Example

Premium Payment Term 30 yearsOn the 10th policy anniversary / Total Regular Premiums paid during the first 10 policy years USD96,000/ Total partial withdrawals made during the first 10 policy years USD6,000/ Applicable Loyalty Bonus rate 4%

Loyalty Bonus payable at the 10th policy anniversary = (USD96,000 – USD6,000) x 4% = USD3,600

The Policy Maintenance Fee Refund will NOT be provided upon occurence of any of the followings

During the first 3 policy years / All Regular Premium payable has not been fully paid while due/ Premium holiday has been taken;/ Regular Premium has been reduced

During Premium Payment Term / Remaining value of AUA after withdrawal < 18 months of initial Regular Premium amount

PULSAR

charges summary

Account MaintenanceFee

* 4.0%/12 of Initial Units Account (IUA) value

* Deducted from IUA only

Policy MaintenanceFee

* 0.5%/12 x initial annual Regular Premium x No. of year(s) for which policy has been in force

* Deducted from Accumulation Units Account (AUA), if insufficient, the remaining balance due will be deducted from the IUA.

* Refundable at the end of the PPT while the policy is still in effect. (subject to terms & conditions – refer to Key Product Benefits)

PAYABLE MONTHLY TILL END OF PREMIUM PAYMENT TERM (PPT)

www.axa.com.sg

Investment MaintenanceFee

* 1.5%/12 of total account value

* Deducted from both IUA and AUA

AdministrationFee

* USD8/SGD10

* Deducted from AUA, if insufficient, the remaining balance due will be deducted from the IUA.

InsuranceCharges(Optional)

* For Enhanced Death Benefit only

* Net Amount at Risk x (Insurance Charge Rate/12)

* Deducted from AUA, if insufficient, the remaining balance due will be deducted from the IUA.

PAYABLE MONTHLY TILL END OF POLICY

PULSAR

AXA Life Insurance Singapore Private Limited Company Reg No. 199903512M 8 Shenton Way #27-02 AXA Tower Singapore 068811 AXA Customer Centre #B1-01 Tel: 68805500 Fax: 68805501

EarlyEncashmentCharge (EEC)

* Payable upon surrender or termination (except death) at any time prior to the end of the Premium Payment Term.

* Account value of IUA x EEC%

* EEC% = 100% for 1st year; the rest is with reference to no. of years in remaining Premium Payment Term years. (Each incomplete year will be rounded up to a full year)

* Deducted from the total account value, after which the Surrender Value will be paid.

PAYABLE UPON SURRENDER OR TERMINATION

Please refer to the Pulsar Product Summary for full details of the fees and charges payable to the Policy.