| On the 1st - 4th policy anniversary, receive 3% annual cash return | The 1st policy year, receive 100% cash return | 
		
			| On the 5th - 8th policy anniversary, receive 6% annual cash return | The 2nd policy year, receive 200% cash return | 
		
			| On the 9th - 11th policy anniversary, receive 9% annual cash return | The 3rd policy year receive 300% cash return | 
		
			| On the maturity date, receive 600% cash return | The 4th policy year receive 400% cash return | 
		
			| (% of the sum assured) | The 5th policy year receive 500% cash return | 
		
			|  | The 6th - 12th policy year, receive 600% cash return | 
		
			|  | (% of the sum assured or actual accumulated life insurance premiums paid, whichever is higher) |