General Product Features Footnotes Investments

1. Applicable to plans with Premium Payment Terms of 20 years or more.

Life Assured: Age 1 month - 70 years (age nearest birthday) 2. Start-up Bonus = Regular Premium payment for 1st policy year x ApplicableStart-up Bonus rate x Premium Payment Term
Entry Age Subject to (Premium Payment Term + Entry Age) ≤ 75 years
Policyholder: 18 - 70 years (age nearest birthday) Illustrative Example:
Premium Payment Term 30 years
Monthly Regular Premium S$1,000
Minimum Regular Premium Applicable Start-up Bonus rate 5.6%
Payment Frequency
SGD USD If the Regular Premium is paid on a monthly basis, the Start-up Bonus payable upon each
Regular Premium payment = S$1,000 x 5.6% x 30 = S$1,680
Premium Payment Annual 3,600 3,600
Options Semi-Annual 1,800 1,800 Total Start-up Bonus payable = S$1,680 x 12 = S$20,160
Quarterly 900 900 For full details on the applicable Start-up Bonus rate, please refer to the Pulsar product summary.
3. Loyalty Bonus = (Total amount of Regular Premiums paid during the first 10 policy years – Total amount of
Monthly 300 Not Allowed partial withdrawals and/or top-ups made during the first 10 policy years [if any]) x Loyalty Bonus of 4%
Illustrative Example:
Premium Payment Premium Payment Term 30 years
5 – 30 years
Term Options

On the 10th policy anniversary

Death Benefit Options Basic or Enhanced Total Regular Premiums paid during the first 10 policy years S$120,000
Total Top-ups made during the first 10 policy years S$0
Total partial withdrawals made during the first 10 policy years S$0
Minimum SGD 5,000 or USD 3,000
Adhoc Top-Up Applicable Loyalty Bonus rate 4%
Subject to 5% premium charge from 19th month onwards
Loyalty Bonus payable at the 10th policy anniversary = (S$120,000 – S$0) x 4% = S$4,800
Partial Withdrawal Minimum per withdrawal SGD 1,000/ USD 500

Only after the first 18 months. Important Information

Adjustment of Max. Reduction: 50% of original Regular Premium,
Regular Premium floored at a min. of SGD 500 / USD 600 per month.
Max. Increase: Up to the original Regular Premium
Guaranteed for the first 18 months, policy will not lapse if account value drops to
zero due to investment performance and / or fees deduction. However, non-lapse
Non-lapse Guarantee
guarantee will cease immediately if regular premium remains outstanding after the
grace period.
Pulsar is a plan underwritten by AXA Insurance Pte Ltd. This brochure is not a contract of insurance. The precise terms and
conditions of the plan are specified in the policy contract. A product summary is available and may be obtained from AXA
Insurance Pte Ltd and the participating distributors’ offices. You should read the product summary before deciding whether
to purchase the policy. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually
involves high costs and the surrender value payable may be less than the total premiums paid.
Investments in investment-linked policies are subject to investment risks including the possible loss of the principal amount
invested. The value of the units in the investment-linked policy (“ILP”) sub-fund and the income accruing to the units, if any,

Empower
may fall or rise. You should read the product summary and the product highlights sheet (“PHS”) before deciding whether
to subscribe for units in the ILP sub-fund. The product summary and the PHS may be obtained from a financial consultant
Fees and Charges representing AXA Insurance Pte Ltd.
This brochure is for your information only and does not have any regard to your specific investment objectives, financial
situation and any of your particular needs. You may wish to seek advice from a financial consultant before making a
Account Maintenance Fee 4.0% per annum / 12 of account value of first 18 months premium

your future
commitment to purchase the product. In the event that you choose not to seek advice from a financial consultant, you
should consider whether the product in question is suitable for you.
Investment The insurance policy featured in this brochure is protected under the Policy Owners’ Protection Scheme which is
1.5% per annum / 12 of total account value
Management Fee administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further
action is required from you should you buy the policy. For more information on the types of benefits that are covered under
Administrative Fee SGD 10 / USD 8 per month the Policy Owners’ Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at
www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF
Scheme (Life Insurance).
0.5% per annum / 12 x initial annual Regular Premium x No.of year(s)
Policy Maintenance Fee All information stated in the brochure is correct as of 10 January 2018.
for which policy has been in force. Applicable during premium payment term. PULSAR
Insurance Charge For Enhanced Death Benefit only. Refer to product summary for more details. Contact Us An investment-linked plan with
1800 880 4888 (Singapore)
bonus rewards and a wide range
Account value of first 18 months premium x EEC% of funds to secure a better future.
Early Encashment Charge 65 6880 4888 (International)
EEC% = 100% for first year: the rest is with reference to number of years in remaining
(EEC) customer.care@axa.com.sg Download MyAXA Or scan here
premium payment term years.
According to the investment-linked policy sub-fund you choose. axa.com.sg
Fund Management Charge
Details can be found in the Fund Summary.

Switching Fee
The Switching Fee is currently waived. AXA reserves the right to impose Like our Facebook Page
a Switching Fee as determined by AXA on the switch in Units.
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 Bringing success to your investment goals
We know you have great plans for your
High Start-up Bonus
future and we want to help you see them
through. With PULSAR, you can boost
your investments at critical points with
a Start-up Bonus and Loyalty Bonus1,
and enjoy a wide selection of funds to
secure your future. With no medical
underwriting required, kick-start your
Uptrend
investment-linked plan today. Market
Downtrend
Market
Loyalty bonus1 for long-term investment
Unique fund offerings
Customise your investment plan to your needs
• 4 types of premium payment modes available:
Annual, Semi-annual, Quarterly, Monthly (SGD only)
Kick off your investment-linked plan with a Start-up Bonus on your first • Choose to invest in SGD, from a minimum monthly premium
year premiums in the form of additional units attached to your investment, amount of S$300
enhancing your returns when markets are rising, and shielding your • Choose your premium payment term: 5 to 30 years
portfolio when markets are falling.
• Make ad hoc top-up(s) to your investment, from as low as
S$5,000 / US$3,000 from 19th month onwards
PULSAR
Typical regular Illustrative example
investment plan
Charles, aged 35, purchases Pulsar at S$1,000/month for 30 years
Invested capital
Start-up Bonus PULSAR
Start-up bonus enhances your Time
returns when markets are rising Total of S$20,1602 Loyalty Bonus1
Start-up bonus of 168% S$4,8003
boosts your investment
from the very beginning
PULSAR
Typical regular Invested capital
investment plan
Invested capital
Age 35 Age 45 Age 56
Start-up bonus helps to cushion your Time
portfolio in a downward trending market
Harness the power of compounding returns to achieve your financial goal
Invest early
Rewarding you with a Loyalty Bonus, equivalent to 4% of your total Investing early allows you to benefit from the power of compounding; a small
premiums contributed on the 10th policy anniversary. The longer you amount of money invested over time can grow into a substantial sum in later years.
stay invested in your plan, the closer we bring you to your investment goals.
Invest regularly
By investing a fixed amount regularly, regardless of the market environment, there
is less speculation through dollar cost averaging. It cushions the impact of sharp
Gain unprecedented access to more than 90 investment-linked policy market declines and helps to smooth out your returns as the market recovers
sub-funds. Enjoy unique investment strategies that cater to your extensive eventually. Even small amounts of regular investments, over time, can add up to a
needs, for a diverse and impactful portfolio. significant increase in your wealth.
Sources:
• https://www.veteransunited.com/money/5-reasons-to-start-investing-early/
• https://www.investopedia.com/terms/d/dollarcostaveraging.asp