Agent FAQ

Total Health Solution Total Wealth Solution Live Well, Protect Well, Get Well Plan Well, Live Well, Protect Well Healthy You, Wealthy You Campaign (1 July 2023 – 31 July 2023) Frequently Asked Questions (FAQ) DISCLAIMER For internal staff and Life Planners reference only. This document is not a sales /marketing material and cannot be used for circulation to prospects. It serves only as a guide to internal staff and Life Planners for the products mentioned. In the actual selling process, the customer’s needs, affordability and preference must be considered to deliver fair value to the customer. The detailed product benefits and cost must be explained to help customers make informed decisions. Only AIA authorised sales /marketing materials are to be used when prospecting. [AIA – INTERNAL]

CAMPAIGN OVERVIEW 1. What is the Healthy You, Wealthy You Campaign about? The campaign aims to encourage and support our customers to Plan Well, Live Well, Protect Well and Get Well with AIA’s Total Health & Wealth Solutions. This campaign is offering up to 3 months’ cashback on the annualised premium/contribution (“the Campaign”) for our selected plans. This is a great opportunity to approach and reconnect with your customers, and help them live Healthier, Longer and Better Lives. 2. What is the duration of the Campaign? The Campaign is valid for selected Conventional and Takaful products that are submitted between 1 July 2023 and 31 July 2023 (“the Campaign Period”) and the policy/certificate must be set in force by 16 October 2023. 3. What are the products offered under the Campaign? Total Health Solution Total Wealth Solution Conventional A-LifeLink 2 A-Life Wealth Builder A-Life Joy Xtra A-Life Wealth Premier Products A-Life Beyond Critical Care A-Life Wealth Treasure Takaful A-Life Kritikal Protector A-Life Legasi Beyond A-Life Idaman 4. What are the product packages available for the Campaign? The requirements are as below: LIVE WELL PROTECT WELL GET WELL Product(s) with AIA Vitality with our Product Membership Solutions A-LifeLink 2 Yes Yes A-Life Joy Xtra (Applicable to Owner) Total A-Life Beyond Yes Follow Product Rider(s) Health Critical Care Minimum Optional Solution A-Life Kritikal Yes Sum Protector Yes Assured/Covered (For pre-natal A-Life Idaman and person covered age between 0-15 years old, certificate owner needs to join AIA Vitality) [AIA – INTERNAL]

LIVE WELL PROTECT WELL Product(s) PLAN WELL with AIA Vitality Membership with our A-Life Wealth Product Total Treasure Invested in Yes Solutions Wealth selected ILP (Applicable to Owner) Solution A-Life Wealth Follow Premier Fund(s) Yes Product + Minimum A-Life Wealth Yes Builder premium/ Sum contribution Yes Assured/ A-Life Legasi payment term 10 Covered Beyond years and above 5. What are the Campaign Mechanism & Rewards? Customers who sign up for one of the products offered (refer to Question 3), will be entitled for up to 3 months’ cashback on their annualised premium/contribution (refer to the product packages table in Question 4 and terms and conditions in Question 6). Campaign Rewards Submission Date: 1 July 2023 – 31 July 2023 Achievement For policy/certificate with For policy/certificate with Participate and fulfils annualised annualised premium/contribution^ premium/contribution^ of from RM4,200 to less than RM10,000 and above RM10,000 1.5 months’ cashback* on 1 month cashback* on campaign requirements annualised annualised (Login to My AIA app premium/contribution by end premium/contribution by end with AIA Vitality of October 2024 of October 2024 Membership by 31 March 2024) + + Complete and upload Vitality Health Check (VHC) Result (4 basic test, i.e. Body Mass 0.5 month cashback* on annualised premium/contribution by Index, Blood Pressure, end of October 2024 Blood Glucose & Cholesterol) done from 1 January 2023 to 31 March 2024 and upload to My AIA app by 31 + March 2024 Healthy VHC Result done from 1 January 0.5 month cashback* on annualised premium/contribution by 2023 to 31 March 2024 end of October 2024 and upload to My AIA app by 31 March 2024 + Achieve Vitality Gold or 0.5month cashback* on annualised premium/contribution by Platinum Status by end of October 2024 30 September 2024 [AIA – INTERNAL]

^ The annualised premium/contribution is based on the total premium/contribution amount inclusive of A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Legasi Enhancer, A-Plus Health Enhancer, A-Plus Enhancer-i and any rider premium/contribution. * The cashback payable for Total Wealth Solution application will be based on the proportion of annualised premium/contribution that was invested in the selected AIA Investment Linked Funds as stated in Question 13. Examples: Percentage (%) of Proportion of the premium/contribution that is annualised Premium/ invested in selected AIA Investment Contribution Linked Funds as stated in Question premium/contribution that is eligible for cashback* Annual 13 Premium/ 0% 0% x RM12,000 Contribution of = RM0 RM12,000 20% 20% x RM12,000 50% = RM2,400 100% 50% x RM12,000 = RM6,000 Monthly 0% Premium/ 20% 100% x RM12,000 Contribution of 50% = RM12,000 RM1,000 100% 0% x 12 x RM1,000 = RM0 20% x 12 x RM1,000 = RM2,400 50% x 12 x RM1,000 = RM6,000 100% x 12 x RM1,000 = RM12,000 * The cashback payable is based on annualised premium/contribution and excludes any saver and top-up premium/contribution such as A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Life Legasi Enhancer, A-Plus Health Enhancer, A-Plus Enhancer-i and AIA Vitality fees. Remarks: a) For juvenile applications for A-Life Wealth Treasure, A-Life Joy Xtra and A-Life Idaman (pre-natal and person covered age between 0-15 years old), the policy/certificate owner is required to join AIA Vitality. b) Juvenile application is not eligible for A-Life Wealth Premier, A-Life Wealth Builder, A-Life Legasi Beyond and A-Life Kritikal Protector under the Campaign as AIA Vitality membership is only open for insured/person covered aged 16 years old and above. c) The membership fee to join AIA Vitality is only RM10 per month on top of the premium/contribution payable. d) The Vitality Health Check (VHC) event/appointment date must be within 1 January 2023 to 31 March 2024 and uploaded to My AIA app by 31 March 2024. The VHC readings on Body Mass Index, Blood Pressure, Blood Glucose & Cholesterol must be within healthy range (refer to Question 21 in order to get additional 0.5 month cashback. e) The product packages above (refer to Question 4) is required to be selected in the iPoS if the customers agree to participate in the Campaign. Please refer to the iPoS step-by-step guide in ALPP (under tab RESOURCES → CUSTOMER MARKETING → CAMPAIGN MATERIALS) [AIA – INTERNAL]

6. What are the terms and conditions of the Campaign? a) Campaign Period：1 July 2023 to 31 July 2023, both dates inclusive (“Campaign Period”). b) Eligible Products • A-LifeLink 2, A-Life Joy Xtra, A-Life Beyond Critical Care, A-Life Wealth Premier, A-Life Wealth Builder, A-Life Wealth Treasure (underwritten by AIA Bhd.); and • A-Life Idaman, A-Life Kritikal Protector, A-Life Legasi Beyond (underwritten by AIA PUBLIC Takaful Bhd.) c) Campaign Mechanism and Reward: Refer to Question 4 above. d) Campaign Eligibility: • The Campaign is open to all customers who purchased/participated in any of the Eligible Products with minimum annualised premium/contribution of RM4,200 during the campaign period. All applications must be submitted via iPoS during the Campaign Period and set in force by 16 October 2023. In order to qualify for the Campaign, for adult application (i.e. with entry age 16 or above), the Insured / Person Covered must be an AIA Vitality member. AIA Vitality membership must be signed up or active upon new application submission in iPoS and must be remained active prior to and upon the payment of Campaign Reward. The policy/certificate owner must also download and login to My AIA application (\"app”) latest by 31 March 2024 (“Eligible Policy/Certificate”). For juvenile application (applicable to pre-natal and/or Insured /PersonCovered with entry age 0 to 15 years old) under A- Life Joy Xtra, A-Life Idaman and A-Life Wealth Treasure the policy/certificate owner (i.e. the applicant) must join AIA Vitality . For juvenile application (applicable to Insured /Person Covered with entry age 0 to 15 years old) under A-Life Kritikal Protector, A-Life Wealth Premier, A-Life Wealth Builder and A-Life Legasi Beyond is not eligible to the Campaign as AIA Vitality membership is only open for Insured /Person Covered aged 16 years old and above. • The annualised premium/contribution is based on the total premium/contribution amount inclusive of A-Plus Saver, A-Plus Saver-i, A- Plus ScholarSaver, A-Plus Legasi Enhancer, A-Plus Health Enhancer, A- Plus Enhancer-i and any rider premium/contribution. • The calculation of the cashback amount is based on annualised premium/contribution and shall EXCLUDE any saver and top-up premium/contribution such as A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Health Enhancer, A-Plus Enhancer-i, A-Plus Legasi Enhancer and AIA Vitality membership fees. • Vitality Health Check (“VHC”) must be conducted within 1 January 2023 to 31 March 2024 and the VHC Result must be uploaded into My AIA app via AIA Vitality platform latest by 31 March 2024. VHC is a quick test which consist of 4 tests i.e. Body Mass Index (BMI), blood pressure, blood glucose and cholesterol. • By participating in the Campaign, Customers will submit their Vitality Health Check (VHC) into My AIA app via AIA Vitality platform offered and operated by AIA Health Services Sdn. Bhd. (“AHS”). AHS will review the VHC Result submitted by Customers and will only inform AIA Bhd. and/or AIA PUBLIC Takaful Bhd. on the Eligible Policies/Certificates that are qualified for the cashback reward. AIA Vitality Terms & Conditions shall apply. Healthy VHC Results are defined as follow: o BMI: 18.5-24.9 o Blood Pressure: <=120/80mmHg [AIA – INTERNAL]

o Blood Glucose (Fasting): <5.6mmol/L & (Random): <7.8mmol/L o Total Cholesterol: <5.2mmol/L • For customers of A-Life Wealth Treasure, A-Life Wealth Premier, A-Life Wealth Builder and A-Life Legasi Beyond who fall into any one or more of the following will not be eligible for the cashback: o Did not opt for premium/contribution payment term of 10 years & above o Did not invest in selected AIA Investment-Linked Funds as stated in Question 13, o Performed full fund switching to AIA Fixed Income Fund, AIA Dana Bon and/or A-Dana Income. • The Campaign is only applicable to application that opt to pay via payment link or AIA E-Pay (credit/debit card) for all modal premium/contribution amount. • If customers make any changes/transactions (e.g. increase of sum assured/covered or addition of rider) to the Eligible Policy/Certificate which require additional premium/contribution during the Campaign Period and/or before the payout of the Campaign Reward, the additional premium/contribution will not be qualified or counted in the Campaign. For reduction of premium/contribution, the Campaign Reward shall be based on the reduced premium/contribution provided the reduced premium/contribution is meeting the minimum annualised premium/contribution. • The Eligible Policy/Certificate will be disqualified from the Campaign in the event of: o Lapsed, surrender, termination, cancellation of the application; o Partial withdrawal; o Premium/contribution holiday; o Premium/contribution not paid up to date; o Lapsed but reinstated; or o Change of payment method to non e-payment method, on or before payout of the Campaign Reward. • Life Planner purchase is not entitled for the Campaign. Life Planner purchase means the policy/certificate owner and/or the Insured Person Covered is the Life Planner. e) Campaign Reward will be credited and reflected in the eligible policy/certificate owner’s My AIA app latest by 31 October 2024 by AIA Malaysia in accordance with the Terms and Conditions of the Campaign. After which, it shall be deemed as full payment and AIA Malaysia shall be released and fully discharged from further liability and demand in relation to the Campaign Reward. f) General Provisions o You are always solely responsible for maintaining the accuracy of your information. AIA Malaysia may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated. o AIA Malaysia may decline the Campaign Reward entitlement in the event any of the Terms and Conditions pursuant to this Campaign is not fulfilled. No appeal(s) will be entertained. o AIA Malaysia shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Campaign Reward with other form of gifts / rewards of equivalent value. o AIA Malaysia shall have the right to amend the Terms and Conditions of this Campaign, and to suspend, terminate, delay or vary this Campaign with prior notice to you. The mode of notification [AIA – INTERNAL]

(if any) of the amendment, suspension, termination, delay or variation shall be at AIA Malaysia's discretion, including but not limited to displaying the same in any of AIA Malaysia's website or social media sites. o The Campaign Reward are non-transferable and any request for Campaign Reward to be credited to a third-party account will not be entertained. 7. How and when will AIA make the cashback payment? The cashback amount will be reflected in the policy/certificate owner’s My AIA app at the end of October 2024 provided that campaign requirements are fulfilled. Instructions on how to select their cashback payout option on My AIA app will be available to customer at the end of October 2024. Kindly reach out to [email protected] (Conventional) or [email protected] (Takaful) for any campaign related inquiries. ELIGIBILITY 8. Who is eligible to participate in the Campaign? All customers (excluding Life Planners) are eligible to participate in the Campaign, subject to meeting the eligibility criteria and full underwriting requirements. 9. How do Life Planners submit cases for the Campaign? All cases for the Campaign must be submitted via iPoS only. 10. Can a customer participate in the Campaign through a manual submission of the application? No, the Campaign is only available for applications that are submitted through iPoS. 11. Is the saver/rider premium/contribution included to calculate the minimum annualised premium/contribution criteria? Yes, the minimum annualised premium/contribution is based on the total premium/contribution amount inclusive of A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Legasi Enhancer, A-Plus Health Enhancer, A-Plus Enhancer-i and any rider premium/contribution. 12. Does the cashback include any saver and top-up premium/contribution such as A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Legasi Enhancer, A- Plus Health Enhancer, A-Plus Enhancer-i and AIA Vitality fees? No, the cashback amount to be credited is not inclusive of any saver and top-up premium/contribution such as A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A- Plus Legasi Enhancer, A-Plus Health Enhancer, A-Plus Enhancer-i and AIA Vitality fees. 13. What are the selected AIA Investment Linked Funds that will be used in the cashback calculation for A-Life Wealth Treasure, A-Life Wealth Premier, A-Life Wealth Builder and/or A-Life Legasi Beyond? [AIA – INTERNAL]

The selected AIA Investment Linked Funds for A-Life Wealth Treasure, A-Life Wealth Premier and/or A-Life Wealth Builder are: a) AIA Strategic Equity Fund b) AIA Strategic Fixed Income Fund c) AIA Elite Conservative Fund d) AIA Elite Adventurous Fund e) AIA Dana Progresif f) AIA Equity Dividend Fund g) AIA Equity Plus Fund h) AIA Dana Dinamik i) AIA Aggressive Fund j) AIA Medium Cap Fund k) AIA Balanced Fund l) AIA Global Fixed Income Fund m) AIA Global Equity Income Fund n) AIA Global Balanced Fund o) AIA Global Equity Fund p) AIA New Horizon Fund q) AIA Asia Opportunity Fund r) AIA Asian Equity Fund s) AIA Asia Platinum Fund The selected AIA Investment Linked Funds for A-Life Legasi Beyond are: t) A-Dana Equity u) A-Dana Balanced v) A-Dana Strategic Equity w) A-Dana Strategic Dynamic 14. Where can Life Planners retrieve their customer leads? There will be no selected/targeted customers for the Campaign as the Campaign is open to all (existing/new) customers. 15. How will AIA handle the Vitality Health Check (VHC) results that the customer submitted to AIA Health Services Sdn. Bhd.? By participating in the Campaign, Customers will submit their VHC into the My AIA app via the AIA Vitality platform which is operated by AIA Health Services Sdn. Bhd. (“AHS”). AHS will review the submitted VHC and will only inform AIA Bhd. and/or AIA PUBLIC Takaful Bhd. on the policies/certificates that qualify for the cashback reward. AIA Vitality Terms & Conditions shall apply. For avoidance of doubt, the VHC result will not be shared with AIA Bhd. and AIA PUBLIC Takaful Bhd. However, customers have a duty to disclose to AIA Bhd. and AIA PUBLIC Takaful Bhd. of any material information (for e.g. heath condition) that customers know to be material and relevant for the decision of AIA Bhd. and AIA PUBLIC Takaful Bhd. to assess whether to accept customers’ future application for any plans offered by AIA Bhd and/or AIA PUBLIC Takaful Bhd. POLICY/CERTIFICATE LIMITS AND UNDERWRITING 16. Is there any underwriting requirement for the Campaign? [AIA – INTERNAL]

Yes, applications submitted through the Campaign are subject to full underwriting. 17. What is the minimum Sum Assured/Covered requirement for the Campaign? There is no specific sum assured/covered to be eligible for the Campaign. Existing product minimum sum assured/covered shall apply. PREMIUM/CONTRIBUTION 18. What is the premium/contribution payment requirement for the Campaign? Only policies/certificates that are paid with payment link or AIA E-Pay (credit/debit card) for all modal premium/contribution amount will be entitled to the Campaign benefits i.e premium/contribution cashback. 19. What are the available premium/contribution payment modes? The premium/contribution payment modes available are annually, semi-annually, quarterly and monthly. 20. How does the cashback work and how is the cashback amount calculated? By joining the Campaign, customers can get up to 3 months’ cashback on the annualised premium/contribution when they fulfil the Campaign requirements (refer to Question 4 & 5). Below are the possible scenarios of Total Wealth Solution: Proportion of Upon Complete and Healthy VHC Vitality Total Total the annualised Participation upload VHC result Benefit cashback cashback with ALL the Status Reward amount premium/ Result / (BMI, Blood by 30 contribution that T&Cs met Pressure, September 2.5 months RM4,200/12 Complete and Cholesterol and X 2.5 are eligible for upload by 31 Glucose) 2024 2 months cashback March 2024 =RM875 Entitled to All 4 basic tests Gold Status 1.5 months RM4,200 Login to My are healthy, Entitled to RM4,200/12 AIA app by 31 additional additional X2 0.5 month submitted by 31 0.5 month March 2024 cashback March 2024 cashback =RM700 Entitled to Entitled to 1 month Complete and additional Bronze RM4,200/12 cashback upload by 31 0.5 month Status X 1.5 March 2024 cashback RM4,200 Login to My Entitled to Not =RM525 RM4,200 AIA app by 31 All 4 basic tests Applicable RM4,200 additional are healthy, March 2024 0.5 month Gold Status Entitled to cashback submitted by 31 Entitled to 1 month March 2024 additional cashback Complete and Entitled to 0.5 month upload after 31 additional cashback Login to My 0.5 month AIA app by 31 March 2024 cashback March 2024 Not Applicable All 4 basic tests Entitled to are healthy, 1 month cashback submitted after 31 March 2024 Did not login to My AIA app Not Applicable by 31 March Not Entitled for The Reward 2024 Not applicable [AIA – INTERNAL]

RM4,200 Downloaded Not Entitled for The Reward RM4,200 My AIA app RM12,000 prior to 2023 Complete and All 4 basic tests Bronze 1 month RM4,200/12 RM12,000 but did not upload after 31 are healthy, Status 3 months X1 RM12,000 login to My RM12,000 AIA app by 31 March 2024 submitted after Not =RM350 RM12,000 March 2024 Not Applicable 31 March 2024 Applicable RM12,000 Not applicable Complete and RM12,000/ Login to My upload by 31 Not Applicable Gold Status 12 X 3 AIA app by 31 All 4 basic tests Entitled to March 2024 March 2024 additional =RM3,000 Entitled to Entitled to are healthy, 0.5 month additional submitted by 31 cashback 1 month 0.5 month cashback cashback March 2024 Bronze 2.5 months RM12,000/ Complete and Entitled to Status 12 X 2.5 Login to My upload by 31 additional =RM2,500 AIA app by 31 March 2024 0.5 month Not Entitled to cashback Applicable March 2024 additional All 4 basic tests Entitled to 0.5 month are healthy, Gold Status 2 months RM12,000/ 1.5 months’ cashback submitted by 31 Entitled to 12 X 2 cashback Complete and March 2024 additional upload after 31 Entitled to 0.5 month =RM2,000 Login to My March 2024 additional cashback AIA app by 31 Not Applicable 0.5 month cashback March 2024 Complete and All 4 basic tests Entitled to upload after 31 are healthy, 1.5 months’ submitted after cashback March 2024 31 March 2024 Not Applicable Login to My Not Applicable AIA app by 31 Not Entitled for The Reward March 2024 Entitled to Not Entitled for The Reward 1.5 months’ cashback All 4 basic tests Bronze RM12,000/ Did not login are healthy, Status 12 X 1.5 to My AIA app =RM1,500 by 31 March submitted after 31 March 2024 1.5 months 2024 Not applicable Not Applicable Not Downloaded Applicable My AIA app prior to 2023 but did not login to My AIA app by 31 March 2024 Not applicable Login to My AIA app by 31 March 2024 Entitled to 1.5 months’ cashback [AIA – INTERNAL]

Below are the possible scenarios of Total Health Solution Annualised Upon Complete and Healthy VHC Vitality Total Total premium/ Participate upload VHC result Benefit cashback cashback contribution that with ALL the Status Reward amount are eligible for T&Cs met Result (BMI, Blood by 30 cashback Pressure, September RM4,200/12 Cholesterol and X 2.5 Glucose) 2024 =RM875 RM4,200 Login to My Complete and All 4 basic tests Gold 2.5 RM4,200 AIA app by 31 upload by 31 are healthy, Status months RM4,200/12 RM4,200 March 2024 Entitled to X2 RM4,200 March 2024 Entitled to submitted by 31 additional 2 months RM4,200 Entitled to March 2024 0.5 month =RM700 RM4,200 1 month additional Entitled to cashback 1.5 RM12,000 cashback 0.5 month additional months RM4,200/12 RM12,000 cashback 0.5 month Bronze X 1.5 Login to My cashback Status AIA app by 31 Complete and =RM525 upload by 31 All 4 basic tests Not March 2024 March 2024 are healthy, Applicable RM4,200/12 Entitled to Entitled to X1 1 month submitted by 31 Gold cashback additional March 2024 Status =RM350 0.5 month Entitled to Entitled to Login to My cashback additional additional RM12,000/ AIA app by 31 0.5 month 0.5 month 12 X 3 Complete and cashback cashback March 2024 upload after 31 =RM3,000 Entitled to All 4 basic tests 1 month March 2024 are healthy, RM12,000/ cashback 12 X 2.5 Not Applicable submitted after 31 =RM2,500 Did not March 2024 download and Complete and upload after 31 Not Applicable login to My AIA app by 31 March 2024 Not Entitled for The Reward March 2024 Not Applicable Not Entitled for The Reward Not applicable Complete and Downloaded upload by 31 All 4 basic tests Bronze 1 month March 2024 are healthy, Status My AIA app 3 months prior to 2023 Entitled to submitted after 31 Not but did not additional March 2024 Applicable 2.5 login to My 0.5 month months AIA app by 31 cashback Not Applicable Gold March 2024 Complete and All 4 basic tests Status Not applicable upload by 31 Entitled to Login to My March 2024 are healthy, additional AIA app by 31 Entitled to submitted by 31 0.5 month March 2024 additional cashback Entitled to 0.5 month March 2024 cashback Entitled to Bronze 1 month additional Status cashback 0.5 month cashback Not Login to My Applicable AIA app by 31 All 4 basic tests are healthy, March 2024 Entitled to submitted by 31 1.5 months’ March 2024 cashback Entitled to additional Login to My AIA app by 31 March 2024 Entitled to 1.5 months’ cashback [AIA – INTERNAL]

0.5 month cashback RM12,000 Login to My Complete and All 4 basic tests Gold 2 months RM12,000/ RM12,000 AIA app by 31 upload after 31 are healthy, Status 12 X 2 RM12,000 Entitled to RM12,000 March 2024 March 2024 submitted after 31 additional =RM2,000 Entitled to Not Applicable March 2024 0.5 month 1.5 months’ cashback RM12,000/ cashback Complete and Not Applicable 12 X 1.5 upload after 31 =RM1,500 Did not Not Entitled for The Reward download and March 2024 Not Applicable Not Entitled for The Reward login to My AIA app by 31 All 4 basic tests Bronze 1.5 are healthy, Status months March 2024 Not applicable submitted after 31 Downloaded March 2024 My AIA app Not Applicable Not prior to 2023 Applicable but did not login to My AIA app by 31 March 2024 Not applicable Login to My AIA app by 31 March 2024 Entitled to 1.5 months’ cashback 21. What is considered a healthy VHC result for BMI, blood pressure, blood glucose and cholesterol? Healthy VHC results are defined as below: • BMI: 18.5-24.9 • Blood Pressure: <=120/80mmHg • Total Cholesterol: <5.2mmol/L • Blood Glucose: Fasting: <5.6mmol/L & Random: <7.8mmol/L 22. Is the 5-pay and 6-pay premium/contribution payment term eligible for the premium/contribution cashback? No, the 5-pay and 6-pay premium/contribution payment term option is not eligible for the cashback. The premium/contribution payment term allowed must be at least 10 years. POLICY/CERTIFICATE SERVICING 23. Can a customer add riders after the policy/certificate has been set in force? Yes, policy/certificate owners can attach other rider(s) subject to existing business rules and requirements. Any additional premium/contribution from the additional riders or benefits is not eligible for the cashback. 24. Can a customer increase the basic sum assured/covered after the policy/certificate has been set in force? Yes, customers can increase the basic sum assured/covered subject to existing business rules and requirements. Any additional premium/contribution from the increase in basic sum assured/covered is not eligible for the cashback. [AIA – INTERNAL]

25. Can a customer change the fund allocation for A-Life Wealth Treasure, A-Life Wealth Premier, A-Life Wealth Builder and/or A-Life Legasi Beyond after the policy/certificate has been set in force? Yes, customers can change the fund allocation for A-Life Wealth Treasure, A-Life Wealth Premier, A-Life Wealth Builder and/or A-Life Legasi Beyond i.e. selected AIA Investment Linked Funds as stated in Question 13, at any time before the policy/certificate’s expiry date. However, the cashback amount to be credited will be based on the fund allocation upon policy/certificate inception or fund allocation prior to cashback crediting, whichever is lower. Fund allocation in selected AIA Investment Linked Funds as stated in Question 13 Upon Prior to cashback Fund allocation policy/certificate crediting used for cashback inception calculation Example 1 0% 100% 0% Example 2 100% 0% 0% Example 3 100% 50% 50% Example 4 50% 100% 50% Note: Fund selection should always be based on customer’s risk profile. To ensure customers are aware of their fund selection, welcome call will be conducted on policies/certificates with any mismatch in fund selection and risk profile. 26. What will cause the policy/certificate to be disqualified for the cashback? a) Customers who applied for premium/contribution holiday, surrendered policy/certificate, performed partial withdrawal and/or change payment method to non e-payment prior to crediting the cashback for the policy/certificate that has been submitted under this campaign. b) For policy/certificate of A-Life Wealth Premier, A-Life Wealth Builder, A-Life Wealth Treasure and A-Life Legasi Beyond did not invest in selected AIA Investment Linked Funds as stated in Question 13, after change of premium/contribution direction or fund switching before the premium/contribution cashback amount is credited. c) Policy/certificate with lapse history. d) Policy/certificate with premium/contribution not paid up to date before the premium/contribution cashback amount is credited. e) Policy/certificate not fulfilling the annualised premium/contribution criteria before premium/contribution cashback amount is credited. f) Policy/certificate owner does not download and login to My AIA app by 31 March 2024. g) Insured/person covered of A-LifeLink 2, A-Life Beyond Critical Care, A-Life Idaman, A-Life Kritikal Protector and A-Life Wealth Premier, A-Life Wealth Builder and A-Life Legasi Beyond, is not an AIA Vitality member before premium/contribution cashback amount is credited. h) Policy/certificate owner of A-Life Joy Xtra, A-Life Wealth Treasure and A-Life Idaman (pre-natal and person covered age between 0-15 years old) is not an AIA Vitality member before premium/contribution cashback amount is credited. [AIA – INTERNAL]

COMMISSION 27. Is there any commission payable to Life Planners under the Campaign? Yes, commission will be payable as per current commission structure. 28. Will there be any claw back of commission after the policy/certificate has been set in force? Yes, commission will be clawed back if policy/certificate is cancelled within 15 days after customer receipt the policy/certificate or within 15 days after the e- policy/certificate being made available on the My AIA portal. [AIA – INTERNAL]