AXA Wealth HarvestA Regular Premium Investment-LinkedPolicythatinvests100% of your regular premiums in units, with an additional boost from a Start-up Bonus and Loyalty Bonus.

A rewarding harvest,

within reach

Investments

A rewarding harvest,

within reach

Sow quality seeds today and reap a good harvest in the future. AXA Wealth Harvest is an investment plan to grow your wealth with 100% of your regular premiums invested in units. With zero Account Maintenance Fee1after11years,yourinvestmentcontinues to grow in the long run, giving you a goldenfinancialharvestandalegacytohand over to your loved ones.

Plan ahead for a golden future

Accelerate your financial harvest

Kickstartyourinvestmentwitha35% Start-up Bonus on your 1st year premium, and enjoy continuing rewards with a Loyalty Bonus2 of 0.15% per annum on account value from the 10th year to the end of your policy.

No Account Maintenance Fee1 after 11 years

Your policy does not incur any Account Maintenance Fees1after11 years, so as you contribute more premiums and stay invested longer, your cost of investment is reduced significantly.

Transfer your plan to your loved ones

Life Replacement Option (LRO)givesyoutheflexibilitytotransferyour plan to your spouse or child for legacy planning.

Diverse funds for a bigger harvest

Investmoreconfidentlywithawide,diverseselectionofover 90 unique investment-linked sub-funds from a range of industries and geographical sectors.

No medical checkup required

Enjoy a hassle-free application process when you sign up for this plan.

No more Account Maintenance Fee1

Illustrative example: A wealth harvest across generations

Neil,aged30,afathertohisnewbornson,Peter,decidestopurchaseAXA Wealth Harvest for wealth accumulation and potential legacy planning. He pays a monthly premium of S$1,000 and he intends to pay the premium until his desired retirement age of 65 as the policy will not incur Account Maintenance Fee1after11policyyears.His policy also receives a 35% Start-up Bonusonhisfirst-yearregularpremium to boost his initial investment. From the 10th policy year onwards, he will receive a 0.15% Loyalty Bonus on his account value on a yearly basis.

On his son Peter’s 17thbirthday,NeilexercisestheLife Replacement Option to transfer the Life Assured to Peter, prolonging the policy term of his plan. This also helpsNeil’slegacyplanningbytransferringtheinvestmentplanwithanaccumulatedvaluetohisson.WhenNeilretiresatage65,hetakesaPremiumHoliday.

At age 65, his account value could potentially grow to S$1,478,6553 and the policy will continuetogroweveryyearbasedonPeter’slifeevenifNeilpassesoninthefuture,while it no longer incurs any Account Maintenance Fee1. Peter can use this plan to fund his own future retirement plan as he may potentially achieve a retirement fund of S$10,535,4914 should he choose to surrender the policy at his retirement age of 65.

Diagramisnotdrawntoscaleandisnotreflectiveofallmarketconditions.Dependingonconditionsofthemarketandthelevelofwithdrawals,accountvaluemaydroptozero before age 99.

Year 11 Age 41

Year 35 Age 65

35% of firstyearregular

premium Start-up

Bonus

Accountvalue

Policy inception

Age 30

Policy year / life assured’s age

Neilstopspaying premium

Total remaining account value: S$1,478,6553

Year 17 Age 47

NeilexercisesLRO to change life assured to his son, Peter

Year 10 Age 40

Monthly premium: S$1,000

0.15% of account value Loyalty Bonus from 10th year onwards

Footnotes1.FundManagementFeeisstillpayablefromtheassetsofILPSub-fundafter11years.

Please note that Fund Management Fee is already accounted for in the unit price and is not an additional charge to the policy. For more information on policy fees and charges, please refer to product summary and fund summary.

2. There will be no Loyalty Bonus given to the Policy in the subsequent twelve (12) Policy months if the Policyholder has made a Partial Withdrawal or Regular Withdrawal from Regular Premium Account. The Loyalty Bonus resumes on the 13th month following the date of Partial Withdrawal or Regular Withdrawal from Regular Premium Account.

3. The account value is illustrated under the assumption that the selected funds perform at 8% investment return, assuming no withdrawals, reduction in premium, or premium holidays have been made. At 4% illustrated investment return, the account value is S$662,207 at Policy Year 35, assuming no withdrawals or reduction in premium.

4. The account value is illustrated under the assumption that the selected funds perform at 8% investment return, assuming no withdrawals, reduction in premium, or premium holidays have been made. At 4% illustrated investment return, the account value is S$1,520,791 at Policy Year 65, assuming no withdrawals or reduction in premium have been made.

Important InformationThis plan is underwritten by AXA Insurance Pte Ltd (“AXA”). This brochure is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specifiedinthepolicycontract.

Thisbrochureisforyourinformationonlyanddoesnothaveanyregardtoyourspecificinvestment objectives, financial situation or particular needs. Youmay wish to seekadvicefromafinancialconsultantbeforemakingacommitmenttobuytheproduct,andifyouchoosenottoseekadvice,youshouldconsiderwhethertheproductissuitable for you.

Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be less than the total premiums paid.

Buyingan Investment-LinkedPolicy (“ILP”)comeswith investmentrisks,as thevalueof units in the ILP Sub-fund(s) and income accruing to the units, if any, may rise or fall, which may lead to possible loss of the principal amount invested. Past performance figuresshownarenotindicativeoffutureperformance.

A Product Summary with details on product features and charges and a Product Highlights Sheet in relation to the ILP Sub-fund(s) are available and may be obtained from a financial consultant representing AXA. You should read thembefore decidingwhether to subscribe for units in the ILP Sub-fund(s).

ProtecteduptospecifiedlimitsbySDIC.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 11 January 2021.

ContactUs1800 880 4888 (Singapore) 65 6880 4888 (International) customer.care@axa.com.sgaxa.com.sg

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