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💵 Receive 10% of your 1st year premium in 𝐯𝐨𝐮𝐜𝐡𝐞𝐫 𝐫𝐞𝐰𝐚𝐫𝐝𝐬 𝐮𝐩 𝐭𝐨 $𝟏,𝟎𝟎𝟎 in value when you sign up for Income Insurance's Gro Cash Plus with us! As you approach retirement, financial stability becomes more important than ever. One effective way to achieve that is through a "Lifetime Income Plan" — where you deposit a single lump sum, and it gives you annual/𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐩𝐚𝐲𝐨𝐮𝐭𝐬 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐫𝐞𝐬𝐭 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞! It’s a practical and proven method to convert part of your savings into a 𝐝𝐞𝐩𝐞𝐧𝐝𝐚𝐛𝐥𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐭𝐫𝐞𝐚𝐦, giving you peace of mind as you transit to retirement. You’ve worked hard to build your savings — now it’s time to make your money work for you, 𝐬𝐭𝐞𝐚𝐝𝐢𝐥𝐲 𝐚𝐧𝐝 𝐬𝐚𝐟𝐞𝐥𝐲. Many nearing retirement face these concerns: 💭 Is my savings enough to last through retirement? 💭 Can I rely on CPF LIFE or my investments alone? 💭 What if my money sits idle and loses value to inflation in this current economic climate or volatile stock market? Here’s what makes this worth considering: ✔️ "Lifetime Income Plans" provide you with 𝐩𝐫𝐞𝐝𝐢𝐜𝐭𝐚𝐛𝐥𝐞 𝐲𝐞𝐚𝐫𝐥𝐲/𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐩𝐚𝐲𝐨𝐮𝐭𝐬, with long term yield potentially higher than most of the fixed deposit. ✔️ Your capital is put to use in a structured, low-risk manner — without exposure to volatile markets. ✔️ Importantly, the plan is designed with an 𝐞𝐚𝐬𝐲 𝐞𝐱𝐢𝐭 𝐚𝐟𝐭𝐞𝐫 𝟑 𝐲𝐞𝐚𝐫𝐬 as it is capital guaranteed as soon as at the end of the 3rd policy year. Submit your interest now: 📌 Complimentary first consultation with no obligations. 📌 Speak to a licensed professional and proceed only if you feel it’s the right fit. --- This advertisement has not been reviewed by the Monetary Authority of Singapore. For more information, please refer to the footnotes at the bottom of the this ad. 𝐹𝑜𝑜𝑡𝑛𝑜𝑡𝑒𝑠: 1: 𝐴𝑡 𝑡ℎ𝑒 𝑒𝑛𝑑 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑟𝑒𝑚𝑖𝑢𝑚 𝑡𝑒𝑟𝑚, 𝑖𝑓 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟 𝑑𝑖𝑑 𝑛𝑜𝑡 𝑐𝑎𝑠ℎ 𝑖𝑛 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 𝑎𝑛𝑑 𝑎𝑙𝑙 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑓𝑜𝑟 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 ℎ𝑎𝑣𝑒 𝑏𝑒𝑒𝑛 𝑝𝑎𝑖𝑑 𝑓𝑜𝑟, 𝑡ℎ𝑒 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑐𝑎𝑠ℎ 𝑣𝑎𝑙𝑢𝑒 𝑓𝑜𝑟 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 𝑖𝑠 𝑒𝑞𝑢𝑎𝑙 𝑡𝑜 𝑡ℎ𝑒 𝑡𝑜𝑡𝑎𝑙 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑝𝑎𝑖𝑑, 𝑒𝑥𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑝𝑎𝑖𝑑 𝑜𝑛 𝑟𝑖𝑑𝑒𝑟𝑠. 𝐼𝑓 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟 𝑐ℎ𝑜𝑜𝑠𝑒𝑠 𝑡𝑜 𝑐𝑎𝑠ℎ 𝑖𝑛 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 𝑝𝑎𝑟𝑡𝑖𝑎𝑙𝑙𝑦, 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑 𝑎𝑓𝑡𝑒𝑟 𝑡ℎ𝑒 𝑝𝑎𝑟𝑡𝑖𝑎𝑙 𝑐𝑎𝑠ℎ 𝑝𝑎𝑦𝑜𝑢𝑡 𝑐𝑎𝑛𝑛𝑜𝑡 𝑏𝑒 𝑙𝑒𝑠𝑠 𝑡ℎ𝑎𝑛 𝑡ℎ𝑒 𝑚𝑖𝑛𝑖𝑚𝑢𝑚 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑 𝑙𝑖𝑚𝑖𝑡 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑡ℎ𝑒𝑟 𝑎𝑚𝑜𝑢𝑛𝑡 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑚𝑎𝑦 𝑡𝑒𝑙𝑙 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟 𝑎𝑏𝑜𝑢𝑡. 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑢𝑠𝑒 𝑡ℎ𝑒 𝑛𝑒𝑤 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑 𝑎𝑛𝑑 𝑟𝑒𝑑𝑢𝑐𝑒𝑑 𝑟𝑒𝑔𝑢𝑙𝑎𝑟 𝑝𝑟𝑒𝑚𝑖𝑢𝑚 𝑎𝑚𝑜𝑢𝑛𝑡, 𝑒𝑥𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑝𝑎𝑖𝑑 𝑜𝑛 𝑟𝑖𝑑𝑒𝑟𝑠, 𝑡𝑜 𝑤𝑜𝑟𝑘 𝑜𝑢𝑡 𝑡ℎ𝑒 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑐𝑎𝑠ℎ 𝑣𝑎𝑙𝑢𝑒 (𝑖𝑓 𝑎𝑛𝑦) 𝑓𝑟𝑜𝑚 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑒𝑛𝑡𝑟𝑦 𝑑𝑎𝑡𝑒. 5: 𝐼𝑓 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑠𝑢𝑟𝑣𝑖𝑣𝑒𝑠 𝑎𝑡 𝑡ℎ𝑒 𝑒𝑛𝑑 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑟𝑒𝑚𝑖𝑢𝑚 𝑡𝑒𝑟𝑚, 𝑎𝑛𝑑 𝑖𝑓 𝑎𝑙𝑙 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑓𝑜𝑟 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 ℎ𝑎𝑣𝑒 𝑏𝑒𝑒𝑛 𝑝𝑎𝑖𝑑 𝑓𝑜𝑟, 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑠𝑡𝑎𝑟𝑡 𝑝𝑎𝑦𝑖𝑛𝑔 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑎𝑡 𝑡ℎ𝑒 𝑒𝑛𝑑 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑟𝑒𝑚𝑖𝑢𝑚 𝑡𝑒𝑟𝑚. 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑚𝑎𝑦 𝑝𝑎𝑦 𝑎 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠 𝑜𝑛 𝑡𝑜𝑝 𝑜𝑓 𝑒𝑎𝑐ℎ 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑏𝑦 𝑎𝑝𝑝𝑙𝑦𝑖𝑛𝑔 𝑎 𝑏𝑜𝑛𝑢𝑠 𝑟𝑎𝑡𝑒 𝑡𝑜 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑. 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑚𝑎𝑦 𝑜𝑟 𝑚𝑎𝑦 𝑛𝑜𝑡 𝑝𝑎𝑦 𝑡ℎ𝑖𝑠 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠 𝑓𝑜𝑟 𝑒𝑎𝑐ℎ 𝑝𝑜𝑙𝑖𝑐𝑦 𝑦𝑒𝑎𝑟. 𝑇ℎ𝑒 𝑝𝑒𝑟𝑐𝑒𝑛𝑡𝑎𝑔𝑒 𝑜𝑓 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑 𝑓𝑜𝑟 𝑡ℎ𝑒 𝑦𝑒𝑎𝑟𝑙𝑦 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑖𝑠 𝑑𝑒𝑝𝑒𝑛𝑑𝑒𝑛𝑡 𝑜𝑛 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑒𝑛𝑡𝑟𝑦 𝑎𝑔𝑒 𝑜𝑓 𝑡ℎ𝑒 𝑜𝑟𝑖𝑔𝑖𝑛𝑎𝑙 𝑖𝑛𝑠𝑢𝑟𝑒𝑑. 𝐼𝑓 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑎𝑠𝑠𝑢𝑟𝑒𝑑 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑖𝑠 𝑎𝑡 𝑙𝑒𝑎𝑠𝑡 $80,000, 𝑦𝑜𝑢 𝑐𝑎𝑛 𝑐ℎ𝑜𝑜𝑠𝑒 𝑡𝑜 𝑟𝑒𝑐𝑒𝑖𝑣𝑒 𝑡ℎ𝑒 𝑦𝑒𝑎𝑟𝑙𝑦 𝑐𝑎𝑠ℎ 𝑝𝑎𝑦𝑜𝑢𝑡𝑠 𝑖𝑛 𝑚𝑜𝑛𝑡ℎ𝑙𝑦 𝑝𝑎𝑦𝑚𝑒𝑛𝑡𝑠. 𝑌𝑜𝑢 𝑐𝑎𝑛𝑛𝑜𝑡 𝑐ℎ𝑎𝑛𝑔𝑒 𝑡ℎ𝑒 𝑓𝑟𝑒𝑞𝑢𝑒𝑛𝑐𝑦 𝑦𝑜𝑢 𝑟𝑒𝑐𝑒𝑖𝑣𝑒 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 (𝑦𝑒𝑎𝑟𝑙𝑦 𝑜𝑟 𝑚𝑜𝑛𝑡ℎ𝑙𝑦) 𝑎𝑓𝑡𝑒𝑟 𝑡ℎ𝑒 𝑓𝑖𝑟𝑠𝑡 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑖𝑠 𝑝𝑎𝑖𝑑 𝑜𝑢𝑡. 𝐼𝑓 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑝𝑎𝑦𝑠 𝑎 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠 𝑜𝑛 𝑡𝑜𝑝 𝑜𝑓 𝑎 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡, 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑡𝑟𝑒𝑎𝑡 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠 𝑎𝑛𝑑 𝑖𝑡𝑠 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑎𝑠 𝑜𝑛𝑒 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡. 𝑃𝑙𝑒𝑎𝑠𝑒 𝑟𝑒𝑓𝑒𝑟 𝑡𝑜 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠 𝑓𝑜𝑟 𝑓𝑢𝑟𝑡ℎ𝑒𝑟 𝑑𝑒𝑡𝑎𝑖𝑙𝑠. 7: 𝑂𝑛𝑙𝑦 𝑦𝑜𝑢 𝑎𝑠 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦ℎ𝑜𝑙𝑑𝑒𝑟 (𝑏𝑒𝑓𝑜𝑟𝑒 𝑡ℎ𝑒 𝑎𝑔𝑒 𝑜𝑓 65 𝑦𝑒𝑎𝑟𝑠 𝑜𝑙𝑑), 𝑦𝑜𝑢𝑟 𝑠𝑝𝑜𝑢𝑠𝑒 (𝑏𝑒𝑓𝑜𝑟𝑒 𝑡ℎ𝑒 𝑎𝑔𝑒 𝑜𝑓 65 𝑦𝑒𝑎𝑟𝑠 𝑜𝑙𝑑), 𝑜𝑟 𝑦𝑜𝑢𝑟 𝑐ℎ𝑖𝑙𝑑/𝑤𝑎𝑟𝑑 (𝑏𝑒𝑓𝑜𝑟𝑒 𝑡ℎ𝑒 𝑎𝑔𝑒 𝑜𝑓 18 𝑦𝑒𝑎𝑟𝑠 𝑜𝑙𝑑) 𝑐𝑎𝑛 𝑏𝑒 𝑡ℎ𝑒 𝑠𝑒𝑐𝑜𝑛𝑑𝑎𝑟𝑦 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑎𝑡 𝑡ℎ𝑒 𝑡𝑖𝑚𝑒 𝑦𝑜𝑢 𝑒𝑥𝑒𝑟𝑐𝑖𝑠𝑒 𝑡ℎ𝑖𝑠 𝑜𝑝𝑡𝑖𝑜𝑛. 𝑌𝑜𝑢 𝑐𝑎𝑛 𝑒𝑥𝑒𝑟𝑐𝑖𝑠𝑒 𝑡ℎ𝑖𝑠 𝑜𝑝𝑡𝑖𝑜𝑛 𝑡𝑜 𝑎𝑝𝑝𝑜𝑖𝑛𝑡 𝑎 𝑠𝑒𝑐𝑜𝑛𝑑𝑎𝑟𝑦 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑛𝑜 𝑚𝑜𝑟𝑒 𝑡ℎ𝑎𝑛 𝑡ℎ𝑟𝑒𝑒 𝑡𝑖𝑚𝑒𝑠. 𝑇𝑒𝑟𝑚𝑠 𝑎𝑝𝑝𝑙𝑦 𝑓𝑜𝑟 𝑡ℎ𝑒 𝑏𝑒𝑛𝑒𝑓𝑖𝑡. 𝑃𝑙𝑒𝑎𝑠𝑒 𝑟𝑒𝑓𝑒𝑟 𝑡𝑜 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠 𝑓𝑜𝑟 𝑓𝑢𝑟𝑡ℎ𝑒𝑟 𝑑𝑒𝑡𝑎𝑖𝑙𝑠. 8: 𝐼𝑓 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑏𝑒𝑐𝑜𝑚𝑒𝑠 𝑡𝑒𝑟𝑚𝑖𝑛𝑎𝑙𝑙𝑦 𝑖𝑙𝑙 𝑜𝑟 𝑑𝑖𝑒𝑠 𝑑𝑢𝑟𝑖𝑛𝑔 𝑡ℎ𝑒 𝑡𝑒𝑟𝑚 𝑜𝑓 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦, 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑝𝑎𝑦 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑜𝑓: 𝑎. 𝑇ℎ𝑒 ℎ𝑖𝑔ℎ𝑒𝑟 𝑜𝑓: - 105% 𝑜𝑓 𝑎𝑙𝑙 𝑛𝑒𝑡 𝑝𝑟𝑒𝑚𝑖𝑢𝑚(𝑠) 𝑝𝑎𝑖𝑑, 𝑒𝑥𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑝𝑟𝑒𝑚𝑖𝑢𝑚𝑠 𝑝𝑎𝑖𝑑 𝑜𝑛 𝑟𝑖𝑑𝑒𝑟𝑠; 𝑜𝑟 - 𝑡ℎ𝑒 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑝𝑜𝑟𝑡𝑖𝑜𝑛 𝑜𝑓 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑣𝑎𝑙𝑢𝑒, 𝑎𝑛𝑑 𝑏. 𝑎 𝑡𝑒𝑟𝑚𝑖𝑛𝑎𝑙 𝑏𝑜𝑛𝑢𝑠. 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑝𝑎𝑦 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑣𝑎𝑙𝑢𝑒 𝑖𝑓 𝑖𝑡 𝑖𝑠 ℎ𝑖𝑔ℎ𝑒𝑟 𝑡ℎ𝑎𝑛 𝑡ℎ𝑒 𝑠𝑢𝑚 𝑐𝑎𝑙𝑐𝑢𝑙𝑎𝑡𝑒𝑑 𝑎𝑏𝑜𝑣𝑒 𝑎𝑛𝑑 𝑎𝑛𝑦 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠𝑒𝑠 𝑡ℎ𝑎𝑡 ℎ𝑎𝑣𝑒 𝑏𝑢𝑖𝑙𝑡 𝑢𝑝, 𝑖𝑛𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑎𝑛𝑦 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑒𝑎𝑟𝑛𝑒𝑑 𝑢𝑛𝑡𝑖𝑙 𝑡ℎ𝑒𝑛. 𝑇ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑡𝑒𝑟𝑚𝑖𝑛𝑎𝑡𝑒𝑠 𝑡ℎ𝑒𝑟𝑒𝑎𝑓𝑡𝑒𝑟. 𝐼𝑓 𝑦𝑜𝑢 ℎ𝑎𝑣𝑒 𝑎𝑝𝑝𝑜𝑖𝑛𝑡𝑒𝑑 𝑎 𝑠𝑒𝑐𝑜𝑛𝑑𝑎𝑟𝑦 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑏𝑒𝑓𝑜𝑟𝑒 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑑𝑖𝑒𝑠, 𝑤𝑒 𝑤𝑖𝑙𝑙 𝑛𝑜𝑡 𝑝𝑎𝑦 𝑡ℎ𝑖𝑠 𝑏𝑒𝑛𝑒𝑓𝑖𝑡. 𝑈𝑝𝑜𝑛 𝑡ℎ𝑒 𝑑𝑒𝑎𝑡ℎ 𝑜𝑓 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑, 𝑡ℎ𝑒 𝑠𝑒𝑐𝑜𝑛𝑑𝑎𝑟𝑦 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑏𝑒𝑐𝑜𝑚𝑒𝑠 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑, 𝑎𝑛𝑑 𝑡ℎ𝑖𝑠 𝑝𝑜𝑙𝑖𝑐𝑦 𝑤𝑖𝑙𝑙 𝑐𝑜𝑛𝑡𝑖𝑛𝑢𝑒. 12: 𝑇ℎ𝑒 𝑓𝑖𝑔𝑢𝑟𝑒𝑠 𝑖𝑛 𝑡ℎ𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑖𝑜𝑛 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑎𝑛𝑑 𝑎𝑟𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑒𝑑 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 𝑡ℎ𝑒 𝑎𝑠𝑠𝑢𝑚𝑝𝑡𝑖𝑜𝑛 𝑡ℎ𝑎𝑡 𝑡ℎ𝑒 𝐿𝑖𝑓𝑒 𝑃𝑎𝑟𝑡𝑖𝑐𝑖𝑝𝑎𝑡𝑖𝑛𝑔 𝐹𝑢𝑛𝑑 𝑒𝑎𝑟𝑛𝑠 𝑎 𝑙𝑜𝑛𝑔-𝑡𝑒𝑟𝑚 𝑎𝑣𝑒𝑟𝑎𝑔𝑒 𝑟𝑒𝑡𝑢𝑟𝑛 𝑜𝑓 4.25% 𝑝𝑒𝑟 𝑎𝑛𝑛𝑢𝑚 𝑖𝑛 𝑡ℎ𝑒 𝑓𝑢𝑡𝑢𝑟𝑒. 𝑅𝑒𝑡𝑢𝑟𝑛𝑠 𝑎𝑟𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑒𝑑 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 𝑒𝑠𝑡𝑖𝑚𝑎𝑡𝑒𝑑 𝑏𝑜𝑛𝑢𝑠 𝑟𝑎𝑡𝑒𝑠 𝑡ℎ𝑎𝑡 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑. 𝑇ℎ𝑒 𝑎𝑐𝑡𝑢𝑎𝑙 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑝𝑎𝑦𝑎𝑏𝑙𝑒 𝑤𝑖𝑙𝑙 𝑣𝑎𝑟𝑦 𝑎𝑐𝑐𝑜𝑟𝑑𝑖𝑛𝑔 𝑡𝑜 𝑡ℎ𝑒 𝑓𝑢𝑡𝑢𝑟𝑒 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑜𝑓 𝑡ℎ𝑒 𝐿𝑖𝑓𝑒 𝑃𝑎𝑟𝑡𝑖𝑐𝑖𝑝𝑎𝑡𝑖𝑛𝑔 𝐹𝑢𝑛𝑑. 𝐼𝑓 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠𝑒𝑠 𝑎𝑟𝑒 𝑎𝑐𝑐𝑢𝑚𝑢𝑙𝑎𝑡𝑒𝑑 𝑤𝑖𝑡ℎ 𝑢𝑠, 𝑡ℎ𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑟𝑎𝑡𝑒 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 3.00% 𝑝𝑒𝑟 𝑎𝑛𝑛𝑢𝑚, 𝑎𝑛𝑑 𝑖𝑡 𝑖𝑠 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑. 13: 𝐼𝑓 𝑡ℎ𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑠𝑢𝑟𝑣𝑖𝑣𝑒𝑠 𝑎𝑡 𝑡ℎ𝑒 𝑒𝑛𝑑 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑡𝑒𝑟𝑚 𝑎𝑛𝑑 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 ℎ𝑎𝑠 𝑛𝑜𝑡 𝑎𝑙𝑟𝑒𝑎𝑑𝑦 𝑒𝑛𝑑𝑒𝑑, 𝑡ℎ𝑒 𝑝𝑜𝑙𝑖𝑐𝑦 𝑤𝑖𝑙𝑙 𝑝𝑎𝑦 𝑡ℎ𝑒 𝑐𝑎𝑠ℎ 𝑣𝑎𝑙𝑢𝑒. 𝐼𝑛𝑐𝑜𝑚𝑒 𝐼𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑤𝑖𝑙𝑙 𝑎𝑙𝑠𝑜 𝑝𝑎𝑦 𝑎𝑛𝑦 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠𝑒𝑠 𝑡ℎ𝑎𝑡 ℎ𝑎𝑣𝑒 𝑏𝑢𝑖𝑙𝑡 𝑢𝑝. 14: 𝑇ℎ𝑒 𝑓𝑖𝑔𝑢𝑟𝑒𝑠 𝑖𝑛 𝑡ℎ𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑖𝑜𝑛 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑎𝑛𝑑 𝑎𝑟𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑒𝑑 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 𝑡ℎ𝑒 𝑎𝑠𝑠𝑢𝑚𝑝𝑡𝑖𝑜𝑛 𝑡ℎ𝑎𝑡 𝑡ℎ𝑒 𝐿𝑖𝑓𝑒 𝑃𝑎𝑟𝑡𝑖𝑐𝑖𝑝𝑎𝑡𝑖𝑛𝑔 𝐹𝑢𝑛𝑑 𝑒𝑎𝑟𝑛𝑠 𝑎 𝑙𝑜𝑛𝑔-𝑡𝑒𝑟𝑚 𝑎𝑣𝑒𝑟𝑎𝑔𝑒 𝑟𝑒𝑡𝑢𝑟𝑛 𝑜𝑓 3.00% 𝑝𝑒𝑟 𝑎𝑛𝑛𝑢𝑚 𝑖𝑛 𝑡ℎ𝑒 𝑓𝑢𝑡𝑢𝑟𝑒. 𝑅𝑒𝑡𝑢𝑟𝑛𝑠 𝑎𝑟𝑒 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑒𝑑 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 𝑒𝑠𝑡𝑖𝑚𝑎𝑡𝑒𝑑 𝑏𝑜𝑛𝑢𝑠 𝑟𝑎𝑡𝑒𝑠 𝑡ℎ𝑎𝑡 𝑎𝑟𝑒 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑. 𝑇ℎ𝑒 𝑎𝑐𝑡𝑢𝑎𝑙 𝑏𝑒𝑛𝑒𝑓𝑖𝑡 𝑝𝑎𝑦𝑎𝑏𝑙𝑒 𝑤𝑖𝑙𝑙 𝑣𝑎𝑟𝑦 𝑎𝑐𝑐𝑜𝑟𝑑𝑖𝑛𝑔 𝑡𝑜 𝑡ℎ𝑒 𝑓𝑢𝑡𝑢𝑟𝑒 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑜𝑓 𝑡ℎ𝑒 𝐿𝑖𝑓𝑒 𝑃𝑎𝑟𝑡𝑖𝑐𝑖𝑝𝑎𝑡𝑖𝑛𝑔 𝐹𝑢𝑛𝑑. 𝐼𝑓 𝑐𝑎𝑠ℎ 𝑏𝑒𝑛𝑒𝑓𝑖𝑡𝑠 𝑎𝑛𝑑 𝑐𝑎𝑠ℎ 𝑏𝑜𝑛𝑢𝑠𝑒𝑠 𝑎𝑟𝑒 𝑎𝑐𝑐𝑢𝑚𝑢𝑙𝑎𝑡𝑒𝑑 𝑤𝑖𝑡ℎ 𝑢𝑠, 𝑡ℎ𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑟𝑎𝑡𝑒 𝑤𝑖𝑙𝑙 𝑏𝑒 𝑏𝑎𝑠𝑒𝑑 𝑜𝑛 1.50% 𝑝𝑒𝑟 𝑎𝑛𝑛𝑢𝑚, 𝑎𝑛𝑑 𝑖𝑡 𝑖𝑠 𝑛𝑜𝑡 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑.