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s offi
c ia l
s do no ti
n vo lvei
n ac t
iv iti
es l
ike s al
e o f an y ki
nd of in suranc e or
fi
n anc ial pro d u
ct
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35.ver.01-07/16 BR ENG
UIN: 111N055V03
 P
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19
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N
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Thi
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nt
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po
l
i
cyd
o
cu
men
t.

UIN: 111N055V03

2 1
1
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2
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T
la
x
be
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va
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ms
un
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er
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nc
om
e
Ta
x
Ac
t
,
19
61
*
T
axb
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n
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t
s,a
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ea
sp
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th
eI
nc
om
e
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x
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&
is
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b
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me.
Pl
ea
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c
on
s
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it
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1
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n
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ar
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ro
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omt
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I
ln
c
om
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l
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dat
af
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eq
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cy
(
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rl
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Quar
ter
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h
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to
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re
gu
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ar
in
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om
e lP
a
r
ti
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pa
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o
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ai
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ra
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t
hat
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im
e. T
h
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i
pat
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nth
epr
o
fi
tsa
r
is
in
go
uto
ft
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co
mpa
ny
?s?
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t
h p
r
of
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ts
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i
fei
ns
ur
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ess
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tg
ets
a
O
ln
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t
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men
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t
her
e
mai
ni
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nc
ome
pay
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l
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ue
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m i
ne
et
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ll
the
end s
h
ar
eoft
hep
ro
fi
t
semer
gi
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r
omth
i
sbu
si
ne
ss
in
th
ef
orm
of
bon
u
s.
Si
m p
l
ere
ve
rs
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ona
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onu
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es
w o
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la
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d
of
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hes
t
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,th
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nop
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ment
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chap
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hes
umas
su
re
di
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pe
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eba
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l
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fi
t(
no
to
f
ri
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s
).
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er
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y
su
mwh
i
chwi
ll
bee
qua
lt
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di
sc
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va
lu
eoft
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e
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s.
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e b
as
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he B
o
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cl
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at
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lab
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me. d
e
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ar
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ona
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f
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t
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dbe
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t
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pl
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us
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ar
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re
pr
of
it
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lf
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ee
. A
t
er
mi
na
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on
us
maya
l
sob
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i
dat
mat
u
ri
t
y,e
ar
l
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e
at
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e
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r
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p
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cyi
spa
r
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ci
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r
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do
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nt
te
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mo
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yan
d
not
t
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a
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o
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s
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t
M
a
t
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ef
i
t P
r
o
vi
ded
t
h
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li
cy
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st
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r
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at
ur
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pa
ym
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n
t,
no
mi
na
te
a
p
er
so
no
r
per
s
onsa
s
per
Sec
t
i
on3
9o
f
t
heI
ns
ur
an
ce
A
ct
19
38
,a
sa
me
n
de
df
r
omt
i
met
ot
i
me.
E
n
d
ow
me
n
t
Op
ti
on
A
lf
te
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et
i
ono
fe
nd
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e
rm,
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m
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ur
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te
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h
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asp
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Se
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on3
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heI
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ur
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e
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l
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o
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ded
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h
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l
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nf
or
c
e A
c
t
19
38,
as
amen
ded
f
r
omt
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met
ot
i
me.

D
le
f
e
rr
ed
Ma
t
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y
me
n
to
p
ti
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a
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l
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e:
Can
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te
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r
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od
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ms
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ay
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4 9

4 9
 T
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le
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at
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tap
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pre
m i
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.

8 5

8 5
 R
i
de
rP
r
o
te
ct
i
onf
o
ryo
u
an
d
yo
u
rf
a
mil
y
W
h
o
ca
n
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a
i
lt
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an
?
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o
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v
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h
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t
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ono
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va
i
li
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ta
n
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or
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t
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an
e
nj
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h
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be
ne
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i
tu
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co
m
pl
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on
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f
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n
do
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n
tt
er
m.
A
g
e
**
at
En
tr
y M
i
n:
18y
e
ar
s M
a
x
:
R
i
der
sc
an
be
av
a
i
l
eda
t
th
ei
nc
ep
ti
ono
f
po
li
cyo
n
l
y.
Mor
et
h
ano
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er
i
der
ca
nb
e
se
l
ec
te
d
.T
h
er
i
der
su
ma
s
s
ur
e
dca
n
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t
be
R
P
-5
8
ye
a
r
s m
or
et
ha
nt
h
eba
s
i
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m
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or
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t
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nad
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6 7

6 7
 R
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at
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tr
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ar
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a
l
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ye
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r
ly
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u
ar
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y/M
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h
ly
#

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o
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rd
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oc
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tobor
r
ow no
mi
ne
eha
sanop
t
io
nt
ota
k
et
h
ere
ma
in
i
ngi
ns
ta
l
l
men
t
si
nal
ump
s
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i
chwi
l
lbe
e
qua
l
tot
h
edi
sco
u
nt
ed
va
l
ueo
f
a
gai
nst
yo
ur
po
li
cy
.Lo
an
s
wi
l
lbe
av
ai
l
abl
eaf
t
er
th
epo
li
cya
c
qu
i
re
ssu
rr
e
nde
rva
l
ue
.Th
epo
l
i
cyl
oan
wi
ll
bel
i
mit
edt
oa t
he
re
mai
ni
ngi
ns
ta
l
l
ment
s
ma
xi
m u
mof
90
% of
t
heS
S
V.
The
l
oan
int
e
res
tr
at
et
ob
echa
r
g
edwi
l
lbe
de
cl
ar
ed
byt
he
com
pan
yf
ro
mti
met
oti
me.
R
le
b
at
e
s
R
eb
ate
so
nl
ar
ge
Su
mA
ssu
r
e
dar
ea
vai
l
abl
eas
d
is
c
ou
nt
so
nt
h
eba
s
i
cpr
e
mi
umb
a
s
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o
nt
h
efo
l
l
owi
ngs
l
abs
.
I
nca
s
eo
f
r
e
gul
ar
pr
e
mi
um,
i
tap
p
l
i
esa
c
ro
ss
al
l
pre
m i
umm
od
es
.

8 5

8 5
E
n
d
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me
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t
wi
t
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on T
h
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n
t
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f
ol
l
ows
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lf
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or
apo
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cyt
er
mof
15
yea
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sor
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xt
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ve
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or
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oth
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or
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ev
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ve
d wi
t
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ar
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ro
mt
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omt
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sf
ac
tor
yp
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of
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su
r
a
bi
l
it
yasr
eq
ui
r
edby
t
hecompa
ny
f
r
omt
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met
ot
im
e.

I
ln
c
om
ewi
l
lbepa
i
dat
af
r
eq
ue
n
cy
(
Ye
ar
l
y/
Ha
l
f-
Ye
a
rl
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Quar
ter
l
y/
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nt
hl
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of
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ce
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h
ea
m
ou
n
to
f
re
gu
l
ar
in
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om
e lP
a
r
ti
ci
pa
ti
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o
fi
t
s
to
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ai
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ll
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uo
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o
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ei
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t
ra
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ail
abl
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t
hat
t
im
e. T
h
epol
i
cysh
al
lpa
rt
ic
i
pat
ei
nth
epr
o
fi
tsa
r
is
in
go
uto
ft
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co
mpa
ny
?s?
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t
h p
r
of
i
ts
?l
i
fei
ns
ur
an
c
ebus
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ess
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tg
ets
a
O
ln
dea
t
hdu
ri
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hi
spa
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men
tp
er
i
od,
t
her
e
mai
ni
ngi
nc
ome
pay
out
swi
l
lcon
t
in
ue
to
bepa
i
dtot
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m i
ne
et
i
ll
the
end s
h
ar
eoft
hep
ro
fi
t
semer
gi
ngf
r
omth
i
sbu
si
ne
ss
in
th
ef
orm
of
bon
u
s.
Si
m p
l
ere
ve
rs
i
ona
ryb
onu
s
es
w o
ul
dbed
ec
la
re
d
of
t
hes
t
i
pul
at
edpe
r
iod
ch
os
en
byy
ou
.Ho
w
eve
r
,th
enom
i
ne
ehasa
nop
ti
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ot
ak
et
h
ere
ma
ini
ngi
ns
ta
ll
ment
si
nal
ump a
s
aper
cen
ta
ger
at
e,wh
i
chap
pl
yt
ot
hes
umas
su
re
di
nr
es
pe
ct
of
th
eba
si
cpo
l
ic
ybe
ne
fi
t(
no
to
f
ri
der
s
).
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er
si
ona
r
y
su
mwh
i
chwi
ll
bee
qua
lt
ot
he
di
sc
ou
nt
ed
va
lu
eoft
her
e
mai
ni
ngi
ns
ta
l
lmen
t
s.
The
di
sc
ou
ntr
at
ewil
lb
e b
as
edont
he B
o
nusi
sde
cl
ar
edbas
ed
onou
rl
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ermv
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nve
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tme
nt
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et
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xpe
nse
s
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t
al
i
tya
ndo
t
he
rex
per
i
en
ce
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e
ma
rk
et
r
at
eava
i
lab
l
eat
t
ha
tt
i
me. d
e
cl
ar
ed,t
h
ere
ver
si
ona
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ybon
usf
or
mapa
rto
f
th
egu
ar
an
t
ee
dbe
ne
fi
t
soft
he
pl
an
.Fu
tu
reb
on
us
esa
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owe
ver
no
t
g
u
ar
ant
eed
andwi
l
lde
pe
ndon
fu
tu
re
pr
of
it
s
.
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lf
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heop
t
io
no
f
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l
el
if
ec
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rw
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sc
h
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e
nt
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a
t
ha
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d
di
t
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a
l
amo
u
n
te
q
ua
l
tot
h
eba
s
i
csu
m
as
s
ur
e
dwi
l
lbe
pai
dt
ot
he
no
m
in
ee
. A
t
er
mi
na
lb
on
us
maya
l
sob
epa
i
dat
mat
u
ri
t
y,e
ar
l
i
erd
e
at
ho
rs
u
rr
e
nde
r
.T
he
p
ol
i
cyi
spa
r
t
i
ci
pat
i
ngd
u
r
i
ngt
h
e
e
n
do
wme
nt
te
r
mo
nl
yan
d
not
t
he
re
a
ft
er
.
lN
o
mi
na
ti
on&
A
s
si
gn
me
n
t
M
a
t
u
ri
t
yBe
n
ef
i
t P
r
o
vi
ded
t
h
epo
li
cy
ho
l
der
i
st
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l
if
ea
ss
u
r
ed,
he/
sh
em
a
y,
at
an
yt
i
meb
e
f
or
et
h
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l
i
cym
at
ur
es
for
pa
ym
e
n
t,
no
mi
na
te
a
p
er
so
no
r
per
s
onsa
s
per
Sec
t
i
on3
9o
f
t
heI
ns
ur
an
ce
A
ct
19
38
,a
sa
me
n
de
df
r
omt
i
met
ot
i
me.
E
n
d
ow
me
n
t
Op
ti
on
A
lf
te
rc
ompl
et
i
ono
fe
nd
owm
en
tt
e
rm,
t
heBa
s
ic
Su
m
As
s
ur
e
d+V
e
s
te
d
Si
mpl
eRe
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e
rs
i
ona
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on
u
s
es
+T
e
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mi
na
lb
on
u
s
, T
h
eP
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ol
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ign
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r
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in
ga
w
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t
ten
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asp
e
r
Se
ct
i
on3
8
of
t
heI
ns
ur
a
nc
e
if
an
y,
wi
l
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o
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ded
t
h
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l
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si
nf
or
c
e A
c
t
19
38,
as
amen
ded
f
r
omt
i
met
ot
i
me.

D
le
f
e
rr
ed
Ma
t
u
ri
t
yPa
y
me
n
to
p
ti
oni
sav
a
i
l
abl
e:
Can
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es
e
l
ec
te
d
at
th
ee
n
do
f
t
hee
n
do
w
me
n
tt
e
rm lF
r
e
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Pe
r
i
od
E
n
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ow
me
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t
hWh
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l
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t
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on Y
o
uh
a
v
et
h
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t
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or
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ete
r
ms
an
d
co
n
di
t
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s
of
po
li
cyw
i
t
hi
n15
d
ay
s
of
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ece
i
ptf
o
rpo
l
i
ci
ess
o
ur
c
edt
h
ro
ug
h
A
lf
te
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o
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en
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e
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m
As
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e
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e
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te
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+T
e
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mi
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, a
n
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h
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el
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h
anD
i
st
an
ce
M
ar
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et
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nga
n
d3
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o
rpo
l
i
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o
ur
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ug
h
Di
st
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ce
M
ar
k
et
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ng.
I
nca
s
e
if
an
yw
i
l
lbe
pai
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pr
ov
id
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t
h
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l
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or
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e y
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sa
gr
e
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t
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ms
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n
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,
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a
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e
tu
rn
t
h
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l
i
cys
t
a
ti
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h
ere
a
s
on
fo
r
ob
j
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ti
on.
Pr
em
i
ums
p
ai
d
D
le
f
e
rr
ed
Ma
t
u
ri
t
yPa
y
me
n
to
p
ti
oni
sav
a
i
l
abl
e:
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es
e
l
ec
te
d
at
th
ee
n
do
f
t
hee
n
do
w
me
n
tt
e
rm b
y
yo
u
wi
l
lbe
r
ef
u
nde
d
af
t
erd
e
du
c
t
i
ngs
t
a
mpd
u
t
ya
nd
c
os
t
of
med
i
ca
le
xp
e
n
se
s
in
c
ur
r
ed
.T
he
p
ro
p
or
t
i
ona
t
er
i
sk
O
ln
a
t
ta
i
nme
n
t
of
10
0t
hb
i
rt
hd
ay
:
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si
cSu
m
As
s
ur
e
dwi
l
lbe
p
ai
d p
r
e
mi
umf
o
rt
he
pe
r
i
odo
f
co
ve
r
wi
l
lal
sob
e
de
d
uc
t
e
d.

4 9

4 9
lT
a
xB
e
ne
f
i
t
s T
a
k
ea
waya
ba
s
ke
tes
p
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al
l
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a
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f
or
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t
hth
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e
ado
f
Sa
vi
ngs
,
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nco
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ns
ur
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nc
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er
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o
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a
fe
f
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omt
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e
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n
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er
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ai
nt
i
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l
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e
.
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eel
i
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bl
e f
o
r I
nc
om
eT
a
xb
en
e
f
i
ts
/e
x
e
mp
ti
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asp
e
rt
h
e a
p
pl
i
cab
l
e i
nc
om
et
a
x l
aws
i
n I
nd
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,
w
h
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cha
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