Wealth accumulation through investments 　　+ Easy access to the global financial markets
		Premium Contribution: You can contribute a Single Premium as well as Top-up Premiums to your Treasure Master Policy and allocate the premiums to different Fund Options1. You are able to start your investment plan with a minimum initial Single Premium of US$15,000. If you want to make further investments later, you can add Top-up Premium of at least US$4,000 at any time to expand your investment portfolio. Dollar Cost Averaging Facility: Even though you are confident about the long-term prospect of the market situation, you may want to safeguard your investment from market volatility. The Dollar Cost Averaging Facility offered by Treasure Master may help you alleviate the investment risks of a large lump sum investment by turning it into monthly investments. With this facility, you may guard your investment against any market drawback that may arise shortly after making a single investment but you may also experience a lower potential return in a rising market.
		Loyalty Bonus: To show our appreciation for your commitment to the Policy, we will offer you a Loyalty Bonus if the Policy is still in force after 5 policy years. The amount of Loyalty Bonus is payable at every Monthly Anniversary2 after the 5th policy anniversary based on the average Account Value of your policy in the previous 60 months and according to the following scale: Average Account Value Monthly Loyalty Bonus rate First US$20,000 0.2% divided by 12 Next US$30,000 0.3% divided by 12 Next US$50,000 0.4% divided by 12 Any amount in excess of US$100,000 0.5% divided by 12 Partial Withdrawal3: You may withdraw part of the Account Value to accommodate changes brought about by life events. The minimum Partial Withdrawal amount is US$600 and the remaining Account Value after the Partial Withdrawal cannot be less than the greater of US$3,000 or 110% of the Surrender Charge for a Surrender. Treasure Master allows you to withdraw the excess of the Account Value over your total premiums paid without incurring any Surrender Charge. A Surrender Charge4 will apply only if the amount withdrawn is greater than the free Partial Withdrawal amount. Death Benefit: If you meet the unfortunate event of death, we will pay to the Beneficiary the Account Value plus US$50,000 or 1% of the Account Value (whichever is lower). Treasure Master is a single premium investment-linked whole life insurance plan designed to assist you to master your investment portfolio, and to explore and capitalize on investment opportunities. A facility which may help you to diversify your investment risks by turning a lump sum investment into monthly instalments. A loyalty bonus payable every month after the 5th policy year to make use of the potential return of your capital – the higher the average Account Value, the higher the bonus! Access to the Account Value through Partial Withdrawals to meet your financial needs. You can withdraw a certain amount of Account Value without any charges. Opportunities to switch between Fund Options5 to formulate your ideal investment plan. A wide range of fund choices in a variety of categories managed by professional investment experts.
Notes: 1 Allocation percentages should be in whole numbers and not less than 10% in each Fund Option. The combined percentages in total must be 100%. 2 Same day of each month as the Policy Date. 3 Please refer to the Partial Withdrawal section and the Illustrative Examples section in the Product Brochure for more information. 4 Any Surrender Charge incurred will be deducted from the proceeds of the Partial Withdrawal. Please refer to the Surrender section in the Product Brochure for more information. 5 Fund Options are authorized by the Securities and Futures Commission under this Policy for you to select which the benefits of your policy will link up to. The authorization does not imply official approval or recommendation. American International Assurance Company (Bermuda) Limited is not responsible for the performance of any Underlying Fund selected for the purposes of an investment-linked insurance plan. Please see the offering documents of the relevant Underlying Fund before making investment decisions. Copies of the offering documents are made available by us. As a consequence of the general nature of varied investments and possible exchange or interest rate fluctuations, the value of investments and their yields may go down as well as up. For more information of this product, fees and charges and fund options, please refer to the Product Brochure and the Funds Brochure.