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AmCommodity Stable
Disclaimer:
“All training materials which produced by AmAcademy in any  forms / formats is purely  training tools for internal agency programs of AmLife Insurance (Malaysia) Berhad. All or any part of the contents of this 
materials shall not be used directly or indirectly for soliciting of insurance businesses, policy holder services and / or facilitating any form of communications with external party whatsoever. 
This information is correct as at  21st May 2010.
Introduction
Introduction
Introduction
What is AmCommodity Stable?

A 5-year single premium closed end


investment-linked plan that provides
Protection and 100% Capital
Guarantee at maturity with the
Potential of High Returns on
investment
Why invest in Commodity?

Household have Demand more


more money-high goods in the
purchasing power market

Raw Material

Firm will produce more goods


Potential growth (commodity-linked goods)
in commodity
price Commodities(Limited)
Why invest in Commodity?
Commodities are the basic raw materials used to produce the goods we consume in
our everyday lives, from petrochemicals and base metals to agriculture.

In particular, commodity-linked goods typically represent an important part of


Consumer Price Index (CPI)

Source: Bloomberg, Banc of America Securities-Merrill Lynch


Why AmCommodity Stable?

100% Capital Guaranteed

High potential returns


from the investment

100%
without any RISK
to principal.
CAPITAL
GUARANTEED

*100% capital guaranteed on premium at maturity.


Why AmCommodity Stable?

Protection for Death or TPD

Guaranteed insurance protection up to 125 % from


Single Premium (SP) or current value of the unit
price.

Sum Assured for Death & TPD*


Age Band Sum Assured
Current value of the
1-60 125% of SP OR unit price
whichever is higher
61-70 105% of SP

*TPD Benefits will be until 65 years old. Current TPD limit is 1 million per life.
Why AmCommodity Stable?
Case Study : Policyholder age 30 years old, with single premium of RM 100,000 dies on 2.5
years of policy. The sum assured for this policyholder will be RM 125,000.

Death
Single Premium Occur
of RM100,000

2.5
year

Inception 1 2 3 4

Sum Assured payable


RM125,000 * Policy will be terminated

*Note: With the assumption that the unit value is lower than the Sum Assured at the time of death.
Why AmCommodity Stable?

High Fixed Guaranteed Return


High fixed guaranteed
return of 2% p.a and GUARANTEED
3% p.a of the Single RETURN
Premium at the end
of the 1st and 2nd
1 st Year : 2% p.a
year respectively*.
2 nd Year :
3% p.a
3~5 Years :
5 - 9% Projected

*The guaranteed returns are in the form of coupons


Why AmCommodity Stable?
Investment Strategy
Potential coupon rate at
95% of maturity derived from
Single Unlimited upside investment linked to
Premium at maturity MLCX AmBank
(Option) Commodity Alpha Index
2% + 3% Coupon Guaranteed Coupon of 2%+3%

2.36% Liquidity

Option: Y% This portion will


100% provide 100%
Capital
97.64% Guaranteed guaranteed on
Deposit:
X%
capital

Inception year Maturity year :5 years


AmBank Commodity Alpha II FRNID
AmBank (M) Berhad currently rated “AA3” by Rating Agency Malaysia (RAM)
Why AmCommodity Stable?
Bull Scenario Total 5 Years
Nominal Amount RM100,000.00 Invest : RM 100,000
Indicative PR 125% Maturity : RM 145,000
Strike 110%
Commodity SGD/MYR Coupon Coupon Total Coupon
Level Index Amount Payment
Commencement date 100.00 2.4150 N/A N/A N/A
Year 1 105.00 2.4150 2.00% 2,000.00 2,000.00 (Payout)
Year 2 110.00 2.4150 3.00% 3,000.00 3,000.00 (Payout)
Year 3 120.00 2.4150 N/A N/A N/A
Year 4 130.00 2.4150 N/A N/A N/A
Year 5 142.00 2.4150 40.00% 40,000.00 40,000.00
Total Return 45,000.00
Note: The Commodity Index levels used are to reflect a hypothetical Bull Scenario. The exchange rate (SGD/MYR) is assumed to remain
the same for the entire term.
Customer receives coupon rates of 2% p.a. and 3% p.a. at the end of Year 1 and 2, respectively, together with a final coupon rate of
40.00% on the Maturity Date.
Why AmCommodity Stable?
Bear Scenario Total 5 Years
Nominal Amount RM100,000.00 Invest : RM 100,000
Indicative PR 125% Maturity : RM 105,000
Strike 110%
Commodity SGD/MYR Coupon Coupon Total Coupon
Level Index Amount Payment
Commencement date 100.00 2.4150 N/A N/A N/A
Year 1 102.00 2.4150 2.00% 2,000.00 2,000.00 (Payout)
Year 2 100.00 2.4150 3.00% 3,000.00 3,000.00 (Payout)
Year 3 98.00 2.4150 N/A N/A N/A
Year 4 96.00 2.4150 N/A N/A N/A
Year 5 94.00 2.4150 N/A N/A NIL
Total Return 5,000.00
Note: The Commodity Index levels used are to reflect a hypothetical bear scenario where the Commodity Index levels are assumed to
perform below Commodity Index levels of 100.00 and below the Strike Level of 110.00% on the maturity date. The exchange rate (SGD/MYR)
is assumed to remain the same for the entire term.
Customer receives coupon rates of 2.00% p.a. and 3.00% p.a. at the end of Year 1 and 2, respectively.
Why AmCommodity Stable?

5 Years Investment Term

Tenor of 5 years suitable for the product to


build up a meaningful return.
Why AmCommodity Stable?

Investment with stable growth


Provide exposure to stable growth regardless of market cycle
as proven by historical performance.
Why AmCommodity Stable?
Uncorrelated return with equity market.

Uncorrelated return with equity or fixed income markets, thus


providing diversification alternatives to the investors.
Surrender Value
Surrender

Upon surrender of the policy, the amount payable will be:


i) Current value of units at unit price
LESS
WARNING!!!
ii) Redemption fee* If the policy is surrendered prior to
maturity, the customer may lose part of
the Initial Single Premium amount.
*Redemption fee
Before the 12th month @ 3.00% of the Fund NAV
On or after the 12th month but before the 24 month @ 2.50% of the Fund NAV
th

On or after the 24th month but before the 36th month @ 2.00% of the Fund NAV
On or after the 36th month but before the 48th month @ 1.50% of the Fund NAV
On or after the 48th month but before the maturity date @ 1.00% of the Fund NAV
AmCommodity Stable
Underwriting Guideline
Entry Age (Age Next Birthday-ANB)
Minimum Age At Entry - Policyholder 16 years old
Minimum Age At Entry - Life Insured 30 days old
Maximum Age At Entry - Policyholder 70 years old
Maximum age at entry – Life insured 70 years old

Others Underwriting Guideline


Policy Term 5 years
Premium Term Single premium
Minimum Single Premium RM 5,000
Maximum Single Premium RM 1.5 million
per life.
Non Smoker Discounts and Size Discount Not Available
Riders attachable Not Available
Guaranteed Acceptance

Insurance Up To 25%
WAITING PERIOD
Death/TPD benefit (except for accidental causes)
6 months waiting period applied
Natural death
Within the 6 months waiting period, fund value less redemption fee will be returned
Suicide & Pre-existing conditions
12 months exclusion applied. If death/TPD occurs (due to suicide & pre-existing condition)
during this 12 months exclusion period, the value of units less redemption fee will be payable
Offer Periods

O :
FUND SIZE T
E N
RM 30 million OP Agency
Channel
OFFER PERIOD
45 days or RM30 million
reached, whichever is earlier

TERM
5 years
PLEASE CONTACT
CINDY BONG
0134381705
0164901313

Disclaimer:
“All training materials which produced by AmAcademy in any  forms / formats is purely  training tools for internal agency programs of AmLife Insurance (Malaysia) Berhad. All or any part of the contents of this 
materials shall not be used directly or indirectly for soliciting of insurance businesses, policy holder services and / or facilitating any form of communications with external party whatsoever. 
This information is correct as at  21st May 2010.

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