HLA Structured FD Account Full Premium

HLA Wealth Builder SA RM20,000

Age Year Annual Guaranteed Total Cash Total Accumulate Coverage
Premium Yearly Income Value Cash Value Death/TPD Benefit
31 1 9,680 1,000 5,856 6,856 57,500
32 2 9,680 1,000 11,976 14,031 59,028
33 3 9,680 1,000 19,363 22,531 60,584
34 4 9,680 1,000 27,648 31,990 62,171
35 5 9,680 1,000 36,963 42,544 63,791
36 6 9,680 1,000 47,076 53,964 68,444
37 7 9,680 1,380 57,849 66,496 84,153
38 8 9,680 1,380 69,122 79,624 88,501
39 9 4,880 1,380 76,623 89,083 92,888
40 10 4,880 3,156 84,483 100,784 97,318
41 11 0 3,156 86,503 106,857 96,992
42 12 0 3,156 88,406 113,035 96,724
43 13 0 3,156 90,407 119,547 97,215
44 14 0 3,156 92,505 126,403 97,871
45 15 0 3,156 94,714 133,633 98,931
46 16 0 3,156 97,034 141,250 100,980
47 17 0 3,156 99,471 149,275 103,116
48 18 0 3,156 102,027 157,726 105,475
49 19 0 3,156 104,716 166,634 107,917
50 20 0 3,156 107,551 176,030 110,509
55 25 0 3,156 123,838 230,953 126,112
60 30 0 3,156 144,592 302,200 146,514
65 35 0 3,156 170,278 393,879 173,616
70 40 0 1,776 213,233 515,382 214,682
75 45 0 1,776 269,571 674,381 270,960
80 50 0 1,776 343,446 882,428 344,850
85 55 0 1,776 440,224 1,154,565 441,865
90 60 0 1,776 563,463 1,506,990 569,227
Total 87,200 118,836 563,463 1,506,990 569,227
*internal training and illustration only

Cash Value 563,463 Total Payment 1,506,990

Total Saving Minus 87,200 Accumulation
Gain 476,263 Total Saving -87,200
Guaranteed Cash Total Gain 1,419,790
Payment Add 118,836
Total Gain 595,099 Total saving per month ONLY RM 807
 HLA Structured FD Account 6 years only
HLA Wealth Builder SA RM20,000
Age Year Annual Guaranteed Total Cash Total Accumulate Coverage
Premium Yearly Income Value Cash Value Death/TPD Benefit
31 1 9,680 1,000 5,856 6,856 57,500
32 2 9,680 1,000 11,976 14,031 59,028
33 3 9,680 1,000 19,363 22,531 60,584
34 4 9,680 1,000 27,648 31,990 62,171
35 5 9,680 1,000 36,963 42,544 63,791
36 6 9,680 1,000 47,076 53,964 63,444
37 7 0 1,000 53,564 61,831 65,509
38 8 0 1,000 55,463 65,184 66,459
39 9 0 1,000 57,486 68,743 67,518
40 10 0 2,000 59,526 73,401 68,696
41 11 0 2,000 56,263 72,902 64,562
42 12 0 2,000 57,505 77,059 64,962
43 13 0 2,000 58,819 81,448 65,439
44 14 0 2,000 60,187 86,060 65,995
45 15 0 2,000 61,621 90,918 66,639
46 16 0 2,000 63,132 96,040 67,370
47 17 0 2,000 64,706 101,424 68,198
48 18 0 2,000 66,363 107,101 69,125
49 19 0 2,000 68,105 113,083 70,159
50 20 0 2,000 69,935 119,387 71,693
55 25 0 2,000 80,470 156,264 81,752
60 30 0 2,000 93,663 203,884 94,708
65 35 0 2,000 109,620 264,838 111,724
70 40 0 1,000 137,432 345,876 138,144
75 45 0 1,000 173,739 451,748 174,386
80 50 0 1,000 221,151 590,079 221,733
85 55 0 1,000 283,101 770,856 283,594
90 60 0 1,000 362,576 1,005,633 364,430
Total 58,080 86,000 362,576 1,005,633 364,430
*internal training and illustration use only

Cash Value 362,576 Total Payment 1,005,633

Total Saving Minus 58,080 Accumulation
Gain 304,496 Total Saving -58,080
Guaranteed Cash Total Gain 947,553
Payment Add 86,000
Total Gain 390,496 Total saving per month ONLY RM 807