Appendix 1: Contract Status

No: 201807000163

Date(g): 23/7/2018 | Date(h): 11/11/1439

Effective from 2018-07-23 - Jul 22 2018
To view other versions open the versions tab on the right

Below is the table of contract statuses showing exposures and lapse types that should be considered:

Contract Status	Exposure	Lapse	Identify Rates Separately
Cancelled During ‘Free Look’ period	Exclude	Exclude

In-Force	Include full period	Exclude

Death or other risk claim leading to policy termination	Include to event	Exclude
Expired	Include to event	Exclude
Maturity	Include to event	Exclude

Lapse without value	Include to event	Include	Yes
Surrendered with a payment made	Include to event	Include	Yes
Paid Up - Policyholder request	Include to event	Include	Yes
Paid Up - Lost contact with Policyholder	Include to event	Include	Yes
Conversion of product to type requiring no future premium payments	Include to event	Include	Yes

Premium Holiday	Include full period	Exclude	Yes
Policy Loan (if permitted)	Include full period	Exclude	Yes
Premium Decrement	Include full period	Exclude	Yes
Partial Surrender	Include full period	Exclude	Yes
Conversion of product to type requiring lower future premium payments	Include full period	Exclude	Yes
Waiver of Premium on Disability	Include to event	Exclude