36 Illnesses - Annual Premium Table

M/F Age Last Birthday	Policy Term in Years			Policy Term to Age
M/F Age Last Birthday	10	20	30	55	60	70	80
0 - 16	202	219	234	289	332	425	466
17	203	219	241	295	340	436	479
18	205	219	249	302	348	447	493
19	208	219	257	308	357	459	508
20	212	219	266	316	366	472	523
21	216	226	279	323	377	485	539
22	223	234	298	331	388	498	555
23	230	244	317	340	399	512	572
24	238	255	338	350	412	527	590
25	246	267	360	360	425	543	610
26	255	282	390	372	440	561	632
27	266	299	420	384	456	580	655
28	277	317	450	397	473	602	680
29	290	337	480	411	490	625	708
30	299	362	509	426	509	650	737
31	321	389	557	442	530	677	770
32	340	419	605	460	552	707	805
33	361	452	653	479	575	739	842
34	383	490	701	501	601	774	883
35	410	523	749	523	628	812	927
36	444	576	809	548	657	853	974
37	484	625	868	574	688	897	1,025
38	527	679	928	603	721	944	1,079
39	570	739	987	634	757	994	1,136
40	614	796	1,048	669	796	1,048	1,197
41	660	872	1,129	706	838	1,104	1,261
42	708	947	1,210	748	883	1,161	1,327
43	759	1,026	1,291	795	932	1,221	1,395
44	830	1,114	1,372	849	984	1,282	1,466
45	912	1,208	1,452	912	1,043	1,346	1,539
46	1,017	1,312	1,556	-	1,106	1,414	1,617
47	1,122	1,416	1,660	-	1,175	1,485	1,699
48	1,227	1,520	1,764	-	1,252	1,562	1,786
49	1,332	1,624	1,868	-	1,338	1,642	1,877
50	1,436	1,728	1,973	-	1,436	1,728	1,973
51	1,554	1,858	2,109	-	-	1,819	2,075
52	1,671	1,988	2,245	-	-	1,915	2,181
53	1,789	2,118	2,381	-	-	2,016	2,292
54	1,906	2,248	2,517	-	-	2,123	2,407
55	2,023	2,378	2,653	-	-	2,235	2,525
An additional RM1 per RM1000 Sum Assured shall be added to the premium rate for Policy that has Sum Assured lesser than RM50,000. PREMIUM The premium rates are guaranteed for three (3) years from the date of commencement of this Policy. The Company reserves the right to establish, at the end of any subsequent policy year thereafter or whenever the terms of this Policy are changed, new premium rates which shall be applied to the Insured Person under this Policy. The Company will, at least ninety (90) days before the Policy Anniversary, notify the Owner in writing of the new premium rates. Upon implementation of the new premium rates, the Policyholder has the option to discontinue the Critical Illness / Dread Disease insurance coverage but to maintain the term insurance coverage under this Policy. The Policyholder can terminate the Critical Illness / Dread Disease insurance under this Policy, by giving written notice to the Company. COOLING-OFF PERIOD If this Policy shall have been issued and for any reason whatsoever the Insured Person shall decide not to take up this Policy, the Insured Person may return the Policy Contract to the Company for cancellation provided such request for cancellation is delivered by the Insured Person to the Company within fifteen (15) days from the date of delivery of this Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses (if any) incurred by the Company in the issue of this Policy.