Important Considerations Before Investing in CIGNA’s Investment-Linked Assurance Scheme:

• CIGNA Investment-Linked Assurance Scheme ("ILAS Policy") is a life insurance policy issued by CIGNA Worldwide Life Insurance Company Limited ("CIGNA"). This is not a fund authorized by the Securities and Futures Commission (SFC) pursuant to the Code on Unit Trust and Mutual Funds (“UT Code”). Your investments are subject to the credit risks of CIGNA.
• The premiums you pay, after deduction of any applicable fees and charges of your ILAS policy, will be invested by CIGNA in the “underlying funds” you selected (see below) and will accordingly go towards accretion of the value of your ILAS policy. The units of each underlying funds allocated to your ILAS policy is notional and is solely for determining the value of your ILAS policy.
• "Underlying funds" available for selection are the funds listed in the CIGNA Investment Choice. These may include funds authorized by the SFC pursuant to the UT Code, but may also include other portfolios internally managed by CIGNA on a discretionary basis not authorized by the SFC under the UT Code.
• All premiums you pay towards your ILAS policy, and any investments made by CIGNA in the underlying funds you selected, will become and remain the assets of CIGNA. You do not have any rights or ownership over any of those assets. Your recourse is against CIGNA only.
• Your ILAS policy value will be calculated by CIGNA based on the performance of your selected underlying funds from time to time and the ongoing fees and charges will continue to be deducted from your ILAS policy value.
• Due to the various fees and charges levied by CIGNA on your ILAS policy, the return on your ILAS policy as a whole may be lower than the return of the underlying funds you selected.
• This ILAS policy is designed to be held for a medium/long term period. Early surrender or withdrawal of the policy/ non-payment of premium may result in a significant loss of principal. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible.
• More importantly, you should be aware of the following regarding your death benefit and the cost of insurance ("insurance charge"):
  • Part of the fees and charges you pay that will be deducted from the value of your ILAS policy will be used to cover the insurance charges for the life coverage and any additional coverage you may choose.
  • The insurance charges will reduce the amount that may be applied towards investments in the underlying funds selected.
  • The insurance charges may increase significantly during the term of your ILAS policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
  • If the value of your ILAS policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, your ILAS policy may be terminated early and you could lose all your premiums paid and benefits.
  • You should consult your Financial Consultant for details such as how the charges may increase and could impact the value of your ILAS policy.
• The investment options available under the ILAS policy can have very different features and risk profiles. Some may be of high risk.
• Investment involves risks. You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.