P ension, E ducation & R etirement

1. Pension, Education & Retirement Program “ The Ultimate Savings & Protection Flexi Product”

2. Pension, Education & Retirement Program The PRE Program is a systematic Savings Program that answers the need for financial independence, education of the children and replacement of the peso value of the person. A Pension Program, Education Program, Retirement Program and Insurance Protection Program packaged up in ONE PRODUCT with the flexibility of an UNBUNDLED protection and investment program!

3. Education Option Initial Education Benefit (IEB): P___________ Life Insurance (20 years): P_____________ Scholar's Age: ____________ Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________ Issue Age: _________ Paying Period: __________ Graduation Gift ___________________ Paying Period Waiting Period Availment Period 1 5 16 20 Education Benefit with 15% Increment/ Year Pension, Education & Retirement Education Benefits ______ ______ ______ ______ - 15% Yearly Increment - Return of Premium - P_________________ 20 Yr. Life Insurance Program Total Education Benefit+ Return of Premium Total Education Option Benefit P_______________________ COST FREE EDUCATION! • Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund starting at the 16th year of the policy up to the 20th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. • The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. • The Return of Premium Benefit is computed based on annual premiums.

4. Pension Option Ten Year Pension: P_________ / Year Life Insurance (20 years): P__________ Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________ Issue Age: _____ Paying Period: ________ Term of Payment Spot Cash: P______________ Installment Annual: P_____________ Semi-Annual: P__________ Quarterly: P____________ Waiting Period Paying Period Availment Period c 1 20 36 5 11 41 Projected Fund at Age 60 if Retirement Benefit is Reinvested P___________ Annual Lifetime Pension benefit at Age 60 P___________ Projected Fund at Age 65 if Retirement Benefit is Reinvested P__________ Annual Lifetime Pension benefit at Age 65 P___________ 12 13 14 18 19 15 16 17 12% ______ ______ 12% ______ ______ 12% ______ ______ 12% ______ ______ 12% ______ ______ Pension, Education & Retirement Retirement Benefits 12% ______ ______ 12% ______ ______ 12% ______ ______ 12% ______ ______ 12% ______ ______ 1. Annual Pension for 10 Years: P________________ 2. Return of Premium: P__________________ 3. 20 Yr. Life Insurance: P________________ Program Unavailed Pension Benefits P______________ + Return of Premium P1___________ Total Retirement Benefit P_________________ • Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund starting at the 11th year of the policy up to the 20th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. • The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. • The Return of Premium Benefit is computed based on annual premiums.

5. Retirement Option Retirement Benefit: P____________ Life Insurance (20 years): P__________ Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________ Issue Age: _____ Paying Period: ______ Annual Premium: P__________ Total Payment: P___________ Term of Payment Spot Cash: P______________ Installment Annual: P_____________ Semi-Annual: P__________ Quarterly: P____________ Paying Period Waiting Period Availment Period 1 36 5 20 41 Projected Fund at Age __ if Retirement Benefit is Reinvested P________ Annual Lifetime Pension benefit at Age ___ P__________ Projected Fund at Age ___ if Retirement Benefit is Reinvested P_________ Annual Lifetime Pension benefit at Age __ P_________ Retirement Benefit P_________ Return of Premium P__________ Pension, Education & Retirement Retirement Benefits 1. Retirement Benefit: P________ 2. Return of Premium: P________ 3. 20 Yr. Life Insurance: P_________________ Program Total Retirement Benefit P__________________ • Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund on the 20th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. • The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. • 3. The Return of Premium Benefit is computed based on annual premiums.