This plan includes an "Accident Waiver of Premium Benefit". In the unfortunate event that the Insured suffers total disability¹ , as a direct result of an accident, for a continuous period of not less than six months before age 65, all premium payments will be waived under the Basic Plan² while the Insured remains Totally Disable. This extra protection ensures your deferred annuity arrangements remain in force, providing additional reassurance.

^1.Applicable if the Insured suffered from complete incapacity, resulting from accidental bodily injury, which occurs while this Policy is in force, on or after the Insured has attained the age of 18 and before the policy anniversary on or following the Insured's 65ᵗʰ birthday, and which prevents the Insured from engaging in any occupation or performing any work for remuneration or profit.

^2. Applicable if the Insured is aged below 65. In the event that the Insured suffers total disability due to accident for a continuous period of not less than 6 months before the age of 65, all subsequent premium payments will be waived under the Basic Plan as long as the Insured remains totally disabled, payable under all MY Deferred Annuity, MY Deferred Annuity 2, and/ or MY Deferred Annuity 3 policies issued by the Company up to US$10,000 per annum per Insured. During the total disability of the Insured, if the premium is waived by the supplementary Waiver of Premium Benefit attached to this Policy, the Accident Waiver of Premium Benefit will not be payable. The total disability must be certified by a Doctor acceptable to us and have continued for a period of not less than 6 months.

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