Well Save 3-Year Endowment Flexi Pro 3 is a non-participating insurance product offering guaranteed returns throughout the policy period, and at the same time providing you with various additional protection.

You will receive guaranteed cash value at time of surrender or on maturity date. Neither a bank deposit nor a bank savings account, this plan is an insurance product to help you accumulate wealth.

Well Save 3-Year Endowment Flexi Pro 3 also offers:
- Death benefit equivalent to 105% of total premium paid¹ or the guaranteed cash value (whichever is higher); or
- Additional accidental death benefit equivalent to 30% of the total premium paid¹ if such death as a result of an accident; or
- Terminal illness benefit equivalent to 105% of total premium paid¹ or the guaranteed cash value (whichever is higher) if diagnosed with a terminal illness; or
- Accidental total and permanent disability benefit equivalent to 135% of total premium paid¹ or the guaranteed cash value (whichever is higher) if suffered from total and permanent disability as a result of an accident.

Benefit period = 3 Years Premium payment period = Single Premium

• This product is a non-participating policy. • The offer of this plan is limited and its availability is at the discretion of Well Link Life. Well Link Life reserves the right to decline applications for this plan with a full refund of any premium paid without interest.

Liquidity Risk - You may choose to apply for a policy loan while the policy is in force. But this may reduce the terminal illness benefit, accident benefit, death benefit and accidental death benefit. If you surrender the policy before the maturity, you may only receive the surrender benefit with all the indebtedness of the policy deducted which may be significantly less than the total amount of premiums paid.

Credit Risk - Any premiums you paid would become part of our assets and so you will be exposed to our credit risk. Our financial strength may affect our ability to meet the ongoing obligations under the insurance policy.

Policy Currency Risk - If the Plan you choose is denominated in currencies other than local currency, or, if you choose to pay premium or receive benefit in local currency other than the policy currency, the actual amount you paid or received will be subject to change according to the prevailing exchange rate to be determined by us from time to time between the policy currency and the local currency. The fluctuation in exchange rates may have impact on the amount of payments including but not limited to premium payments, levy payments and benefit payments.

For all accidental benefits:
*Any pre-existing condition;
*Any kind of sickness or disease, or bacterial or viral infection except bacteria infection resulting from an accidental cut or wound;
*Suicide or self-inflicted injuries while sane or insane;
*Drug-taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;
*Professional or hazardous activities or sports;
*Violation or attempted violation of the law or resistance to arrest or participation in any brawl or affray

For terminal illness benefit:
*Any pre-existing condition;
*Drug taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;
*Disease of or infection with any HIV and/or any HIV-related illness;
*An intentional self-inflicted act

Above listed is for reference only. Details of full exclusions please refer to Policy Terms and Conditions.

This right allows you to cancel this policy, obtain a refund of any premiums paid within the Cooling-off Period. The cancellation notice must be signed by you and received directly by us at our office address within 21 calendar days immediately after the earlier of the day of delivery of (i) the policy or (ii) the Cooling-off Notice to you. The Cooling-off Notice is a notice to be sent to you by us notifying you of the Cooling-off Period around the time of policy delivery.