Table 4.3.17 Effects of charges and expenses WARNING—if you cash in early you could get back less than you have paid in This table illustrates what you would get back from your investment if it grew at x% (insert a year. These figures are not guaranteed rate of return) and are only intended to demonstrate the effect of charges and expenses on your investment based on different assumptions on the growth of your investments. At end Total paid in to Effect of charges What you might of Year date and expenses to get back date QR QR QR 1 2 3 4 5 10 15 (2) An authorised firm may change table 4.3.17 so far as necessary to reflect the nature and effect of the charges and expenses inherent in the particular product. (3) In completing the table, the authorised firm must— (a) include figures for the first 5 years of the life policy; and (b) if the policy is a whole-life policy or the illustration covers more than 25 years—include figures for the 10th and every subsequent 10th year of the and policy’s term; (c) if the policy is not a whole-life policy and the illustration covers 25 years or less—include figures for the 10th and every subsequent 5th year of the and policy’s term;
Table 4.3.17 Effects of charges and expenses WARNING—if you cash in early you could get back less than you have paid in This table illustrates what you would get back from your investment if it grew at x% (insert rate of return) a year. These figures are not guaranteed and are only intended to demonstrate the effect of charges and expenses on your investment based on different assumptions on the growth of your investments. At end of Year Total paid in to date Effect of charges and expenses to date What you might get back QR QR QR 1 2 3 4 5 10 15 (2) An authorised firm may change table 4.3.17 so far as necessary to reflect the nature and effect of the charges and expenses inherent in the particular product. (3) In completing the table, the authorised firm must— (a) include figures for the first 5 years of the life policy; and (b) if the policy is a whole-life policy or the illustration covers more than 25 years—include figures for the 10th and every subsequent 10th year of the policy’s term; and (c) if the policy is not a whole-life policy and the illustration covers 25 years or less—include figures for the 10th and every subsequent 5th year of the policy’s term; and
QFCRA_5584_VER12.docx