| Attractive
cash payouts |
Life
coverage |
Potential
Capital Appreciation |
5% p.a. of single premium
for the first five years |
Death benefit
until age 99 |
Derived from Templeton
Global Bond Fund |
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| What is Global
Bond Life Plan? |
Global Bond Life Plan is a whole
life investment-linked plan that provides protection
as well as helps investors diversify their portfolio,
through exposure to global bonds as an asset class.
The uniqueness of Global Bond Life Plan
lies in its cash payouts. This means that while the
plan invests your money for long term potential capital
appreciation, it also provides cash payouts, so you
can look forward to a regular income stream in the
short term. |
Underlying asset of Global
Bond Life Plan
Templeton Global Bond Fund was launched
in 2006, mirroring the investment objectives of FTIF
Templeton Global Bond Fund, a renowned fixed income
fund that most recently received a 5-Star Overall
Morningstar RatingTM as of 31 January 2009. Templeton
Global Bond Fund is managed by Franklin Templeton
Investments, and invests primarily in floating-rate
debt. |
Historical performance
of Templeton Global Bond Fund |
| Periods |
Returns |
| |
USD |
Foreign Currency Gain/Loss |
RM |
| 1 January to 31 December
2008 |
7.30% |
0.34% |
7.64% |
| 1 January to 31 December
2007 |
10.92% |
-0.67% |
10.25% |
| 28 April to 31 December
2006* |
8.33% |
-0.33% |
8.00% |
|
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*Annualised return
Source: Bloomberg, based on data collected from April
2006 to December 2008.
Note:
1. The gross annualised return is before policy and
fund related expenses and investment tax.
2. Past performance is not a guarantee, representation
or indication of future performance.
3. The fund is exposed to currency risk, which is the
possibility that the value of the investment may be
adversely affected by the fluctuations in the currency
movement between the currency of the financial instruments/
investments (USD) and base currency (RM) of the plan.
4. The exchange rates used for RM/USD are 3.6250 (28/04/06),
3.5270 (31/12/06), 3.3115 (31/12/07) and 3.4675 (31/12/08)
respectively. |
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| How does Global
Bond Life Plan cash payout work? |
The plan aims to pay a 5% p.a. cash payout for
the first five years, which will be deducted from
the fund value regardless of the actual fund performance,
so long as the fund value is above a fixed threshold.
The fund value will reduce accordingly after each
payout. The maturity/surrender value can be higher
or lower than the single premium. |
Illustration of Global
Bond Life Plan cash payout, using historical performance
of Templeton Global Bond Fund. |
 |
Note:
1. Past performance is not a guarantee, representation
or indication of future performance. During the term
of the product, the fund value can be higher or lower
than the single premium.
2. The above sample illustration excludes risk premium
deduction for insurance coverage. |
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Hurry, the offer period for Global Bond
Life Plan is only valid for one month or
when the plan is fully subscribed, whichever is earlier.
For more information on how you can enjoy fixed cash
payouts, life coverage and the potential for capital
appreciation, please speak to your Relationship Manager,
call us at 1300 888 888 or visit
any of our branches nearest to you!
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