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LifeTrack Assurance Series
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One policy to suit your changing plans.
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From now until 31 December 2008, you will receive cash coupons upon successful enrolment.
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LifeTrack Assurance Series allows you to change your investment portfolio according to your financial needs at different life stages. From savings for achieving your personal and family goals, or for children education fund, you can do it all with LifeTrack Assurance Series.

This leaflet is only a summary of the product. Please refer to the principal brochure for details, in particular, fees and charges.

A comprehensive solution
LifeTrack Assurance Series - His Assurance, Her Assurance, and Kid's Assurance offers:

  • A combination of Endowment and Investment-Linked Plans
  • A range of savings terms
  • Options to save regularly (Gold Option) or invest a lump sum (Platinum Option
  • Choice of 5-year payment term1 for 10 to 15-year protection (applicable to 10 to 15-year Endowment Plan (Gold Option) under My Portfolio)
  • Valuable Life and Terminal Illness protection
  • A range of optional riders tailored to cater for individual needs (Gold Option)

Choosing your investment portfolio
To help ensure your financial plan is in line with your investment risk profile, time horizon and financial goals, you can choose:

  • To apportion your regular savings between the Endowment and Investment-Linked Plans
  • The level of regular savings you wish to set aside each month or year; or lump sum investment
  • Investment composition - there are five defined investment portfolios to choose from or you can create your own portfolio mix - "My Portfolio"

Five Defined Investment Portfolios


Please refer to the fund information leaflet for the choice of available funds under the Investment-Linked Plan.

Flexibility to cater to changes in your personal circumstances
A range of features is designed to meet the changes to your personal circumstances. Under Investment-Linked Plan, you can adjust your premium2, adjust your investment portfolio and / or partially or fully withdraw cash3. Under Endowment Plan, you can fully withdraw cash to cope with unexpected financial needs.

Valuable rewards to enhance your investment returns
Large Premium Reward
Depending on the total lump sum premium amount under both the Investment-Linked and Endowment Plans, you will be entitled to a Large Premium Reward. This reward will be treated as an extra premium allocation at the start of your policy (Platinum Option) or subsequent top-up placement.

Loyalty Reward
Investment-Linked Plan
(For Investment-Linked Plan, the Loyalty Reward is applicable to Gold Option only)

A Loyalty Reward of 0.5% p.a. of the Net Asset Value (NAV) of your Investment-Linked Plan will be paid from the 6th policy anniversary date.

Loyalty Reward also applies to any top-up premium that you may have made from the 6th policy anniversary date of the top-up.

Endowment Plan
(For Endowment Plan, the Loyalty Reward is applicable to Gold and Platinum Options)

A Loyalty Reward of 0.5% p.a. of the cash surrender value of your Endowment Plan will be paid from the 6th policy anniversary date.

Protection for you and your family
In addition to investment, under both Gold and Platinum Options, we provide valuable life assurance benefits on death and diagnosis of terminal illness.

Extra protection for you
To fit your different needs, we offer a range of riders4 for Gold Option to enhance your protection.

Peace of mind
Aviva is a member company of Aviva plc, which is the world's fifth-largest insurance group6, the biggest in the UK6, one of the leading providers of life and pensions products across Europe, one of the Fortune Global 500 companies and has an A+ credit rating affirmed by Standard & Poor's.

With a 300-year history, Aviva plc is an expert in long-term savings and fund management and manages assets over USD544 billion7. Aviva plc operates in more than 30 countries with 59,000 employees7 and serves over 30 million customers worldwide.

Planning for all aspects of your life - your financial needs analysis
At DBS Bank, we are dedicated to assisting you in financial planning for each step of your life. Whether it is your child's education, your retirement or simply a protection plan for you and your family, we can help you along the way. Visit any DBS branch to arrange an appointment for a financial needs analysis.


For enquiries, please visit any of our branches or call DBS Aviva Life Direct on 3550 9800.

 

 

1.
For Investment-Linked Plan (Gold Option), payment term is same as policy term.
2,3
Conditions and charges may apply. For details, please refer to the "Options to vary premium", "Top-up", "Withdrawal" and "Charges" sections in the principal brochure of the Investment-Linked Plan.
4
For details, please refer to Rider Information.
5
Rider is applicable to policyholder.
6
Based on worldwide gross premium as at 31 December 2005.
7
As at 31 December 2005.

Notes:
1.
DBS Bank (Hong Kong) Limited is an agent of Aviva Life Insurance Company Limited ("Aviva").
2.
For all details including coverage, fund valuation, fees and charges, please refer to the policy provisions.
3.
A copy of the policy provisions will be made available by Aviva.
4.
Aviva accepts full responsibility for information contained in this leaflet.
5.
Prospective investors should consult their financial planning advisors before entering into an investment of this nature.
6.
Please note that investment involves risk, and the value of the investments and the yield from our Investment-Linked Plan may go down as well as up as a consequence of the general nature of varied investments and possible exchange or interest rate fluctuations. Past performance is not indicative of future performance. No representation, warranty or guarantee concerning the performance, return and / or profitability of the Policy (or underlying investments) are given by Aviva and / or its agent whether orally or in writing.
7.
The Policy may be cancelled by a written request to Aviva within 14 days from the date of issuance, or 21 days from the date of your application for insurance, or if the Policy replaces an existing life insurance policy, fourteen (14) days after the date the Customer Protection Declaration (CPD) form has been copied to the insurer of that existing life insurance policy, or 5 days from the date of delivery of the Policy / a notice informing you / your representative about the availability of the Policy and the expiry date of the Cooling-off Period, whichever is later. Aviva shall make a refund of the premium received less any market value adjustment.
8.
LIFETRACK ASSURANCE SERIES IS A COMBINATION OF AN ENDOWMENT PLAN AND AN INVESTMENT-LINKED PLAN. ONLY THE INVESTMENT-LINKED PLAN AND ITS DOCUMENTATION HAVE BEEN AUTHORIZED BY THE HONG KONG SECURITIES AND FUTURES COMMISSION PURSUANT TO SECTIONS 104(1) AND 105(1) OF THE SECURITIES AND FUTURES ORDINANCE. HOWEVER, SUCH AUTHORIZATION DOES NOT IMPLY ANY OFFICIAL APPROVAL AND RECOMMENDATION. PLEASE REFER TO THE PRINCIPAL BROCHURE OF INVESTMENT-LINKED PLAN FOR DETAILS.

 

 
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