GrowthLink Basic Benefit

The basic benefit is computed as follows:

Death, total and permanent disability benefit for a standard life

Age at death, or being totally and permanently disabled	Basic benefit
Under 65	1.05 x net premium ^[1]
Above 64	1 x net premium ^[1]

Death, total and permanent disability benefit for a non-standard life

If you have certain medical conditions at the point of underwriting or within 90 days after your cover start date[2], the basic benefit is as follows:

Age at death, or being totally and permanently disabled	Basic benefit
Under 65	1.01 x net premium ^[1]
Above 64	1 x net premium ^[1]

Important notes

Net premium means the initial single premium paid, and the total of all top-ups made, less all amounts withdrawn.
Cover start date means the date we issue the policy; or the date we issue an endorsement to include or increase a benefit; whichever is later.

Information is correct as of 7 July 2020.

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Basic benefit for GrowthLink

Death, total and permanent disability benefit for a standard life

Death, total and permanent disability benefit for a non-standard life