The Premium Allocation Charge expressed as a percent of the premium paid is depicted in the table below: YearPremium allocation charge Single Pay (as a % of Single Premium)NIL Regular Pay (as a % of Annual Premium) Year 1 to 10 – 2% p.a. for annual mode Year 1 to 10 – 1.25% p.a. for non-annual modes Year 11 onwards – Nil for all modes Allocation Charge on Top-up Premium1% of Top Up Premium