AIG Financial Solutions

Following is a summary of some of the main features and terms of this policy. For full details, please refer to the Product Disclosure Statement or speak to your adviser.

1. Term Life Plan

The Term Life Plan provides you with:
• a lump sum benefit upon death or diagnosis of the life insured with a terminal illness; or
• a Guaranteed Premium Refund at the end of the nominated plan term

You have a choice of plan term (10, 15 or 20 years) and a choice
of premium term (standard or accelerated).

Guaranteed Premium Refund

AIG Life will pay a lump sum, equal to 100% of the Total Premium Paid, at the benefit expiry date, provided:
• Premiums are paid in full when due; and
• No Terminal Illness or Death Benefit has been paid.

If you cancel, convert or terminate your plan prior to the benefit expiry date, you will not receive a premium refund.

2. Crisis Plan

The Crisis Plan provides you with:
• a lump sum benefit if the life insured is diagnosed with one of 36 Crisis (medical) Events, a terminal illness, or upon death; or
• a Guaranteed Premium Refund at the end of the nominated plan term.

You have a choice of plan term (10, 15 or 20 years) and premium term (standard or accelerated).

Guaranteed Premium Refund:
AIG Life will pay a lump sum, equal to 100% of the Total Premium Paid, at the benefit expiry date, provided:
• Premiums are paid when due;
• The full Crisis benefit has not been paid; and
• No Terminal Illness or Death benefit has been paid.

If you cancel, convert or terminate your plan prior to the benefit expiry date, you will not receive a premium refund.

The Diamond Life Plan is a long-term life insurance and savings plan. Level premiums are payable for 12 years or to age 65, whichever is the shorter period. From the end of the premium term an annual guaranteed cash coupon will be paid to you, the policy owner.

Following is a summary of some of the main features and terms of this plan. For full details, please refer to the Product Disclosure Statement or speak to your adviser.

Benefits:

Your premiums are invested on your behalf and provide:
• Guaranteed Cash Coupons
• Cash Dividends (not guaranteed)
• Death Benefit
• Maturity Benefit
• Withdrawal Benefit

The Gold Scholar Plan is a life insurance and investment plan. It offers you, the policy owner, the opportunity to provide your children with the quality of education you have always wanted for them. The plan will provide a series of guaranteed cash payments during the policy term and a guaranteed amount on the death of the life insured prior to the end of the policy term (also called ‘maturity’).

Benefits:

Your premiums are invested on your behalf and provide:
• Guaranteed Cash Payments
• Payment of Bonuses
• Death Benefit

The Gold Scholar Plan is designed as a long-term savings plan, with the choice of either the Secondary Education Plan or the Tertiary Education Plan:

Secondary Education Plan: The Gold Scholar (Secondary Education) policy will cease on the latest policy anniversary prior to the life insured’s 19th birthday. The policy terms range from 12 to 18 years depending on the age of the child at commencement.

Tertiary Education Plan: The Gold Scholar (Tertiary Education) policy will cease on the latest policy anniversary prior to the life insured’s 23rd birthday. The policy terms range from 11 to 22 years depending on the age of the child at commencement.