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TENOR PLAN

Gives you Benefits of up to a maximum of 400% of Plan Value with 100% Annual Increment (AI) withdrawable in cash as a living Benefit at your option.

1. DURING THE PAYING PERIOD:

Tenor Plan gives you:

• 200% of Plan Value as MEMORIAL SERVICE VALUE (MSV)
• 200% of Plan Value as CASH ASSISTANCE VALUE (CAV)
• 100% of Plan Value as ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) (Applicable only to Planholders between 18 to 55 years old)

2. AFTER FULL PAYMENT UP TO 70TH BIRTHDAY

• 200% of Plan Value as MSV
• 200% of Plan Value as CAV

Plus:
• 10% of Plan Value as Annual Increment 1 year after full payment of the plan for a period of 10 years or up to your 70th year whichever comes first.

3. AFTER 65TH BIRTHDAY UP TO 70TH BIRTHDAY

• 200% of Plan Value as MSV
• 100% of Plan Value as CAV
• 100% Maximum Annual Increment

4. BENEFITS BEYOND 70TH BIRTHDAY upon demise:

• 100% of Plan Value as MSV
• Accumulated Annual Increment of your plan

5. ADDITIONAL INSURANCE PROTECTION:

• WAIVER OF INSTALLMENT UPON DEATH provides for automatic full payment of the Life Plan in case of death during the paying period.
• WAIVER OF INSTALLMENT PAYMENTS DUE TO DISABILITY is applicable only to Planholders between 18 to 60 years old who become totally and permanently disabled due to illness or injury for at least six (6) continuous months.

Any default in payment which continues for more than two (2) years from date of lapse of the grace period of sixty (60) days will result in the cancellation of the plan contract and the forfeiture of any claim of the Planholder.

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