²Please note that in the event that the life assured dies or suffers TPD due to natural causes within the first 24 months from the policy commencement date, the higher of 100% of the total basic premium⁴ paid (including top-up premiums) less the guaranteed survival benefit payout or 100% of the value of the universal account, plus the value of the accumulation account (if any) and total rider premium⁴ paid (if attached Term Life Rider), less any indebtedness, will be payable instead.