INVESTMENT LINKED

Get the best of both protection and savings in one plan. More than accumulating wealth, you can also enjoy peace of mind knowing that you and your loved ones are protected while your contribution could potentially generate higher returns to provide greater savings and a better lifestyle. But above all, this plan gives you full control and flexibility, making you the master of your own destiny.

 

YOU CAN ENJOY:

 

DEATH BENEFIT 
In the event of death, a lump sum of 100% Basic Sum Assured + Account Value less any Total and Permanent Disability benefit paid and less any indebtedness under this Plan is payable.

 

TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT 
In the event of TPD occurring before age 65 is attained, the benefit less any indebtedness under this Plan is payable in 2 instalments:

• First instalment equivalent to 20% of Basic Sum Assured is payable 6 months from date of diagnosis plus 100% of the Account Value

• Second instalment equivalent to 80% of the Basic Sum Assured is payable 18 months from date of diagnosis.

 

5 YEARS GUARANTEED COVERAGE1
Guaranteed coverage for the first 5 years and your Plan will remain in-force even if the Account Value is insufficient subject to terms and conditions.

 

ANNIVERSARY BONUS
Upon survival of each policy anniversary, a guaranteed percentage of anniversary bonus multiplied by the Account Value** will be credited into the unit fund. The guaranteed percentage starts from 0.02% at the beginning of the 2nd policy year, increases by 0.02% every year until it reaches 0.6%, and then remains unchanged until the end of the policy term.

 

GUARANTEED INSURABILITY OPTION*
You can request to increase the Basic Sum Assured up to 20% of the original Basic Sum Assured for each of the 5 life events without underwriting upon or after the 5th Policy Anniversary date. These 5 events are limited to the Life Assured's:

• One marriage per policy

• Three child births per policy

• One purchase of property*** per policy

 

The Basic Sum Assured can be increased up to a maximum of:

• 5 life events; and/or

• additional sum assured up to RM500,000

 

The insurance charge will increase accordingly and will be deducted from your policy.

 

 

FLEXIBILITY2
You have the freedom to:

• switch investments between 4 funds according to your risk tolerance level without any fund switching fees.

• save more when you have extra money or withdraw the money when you need it.

• increase or decrease the Basic Sum Assured to meet your needs at different life stages.

 

 

MATURITY BENEFIT
100% of the Account Value less any TPD benefit paid and any indebtedness under this Plan is payable.

 

* The above list is not exhaustive. Please refer to the Policy Contract for full details.
** The Account Value is not guaranteed and will fluctuate based on the actual performances of the investment-linked funds.
*** Refer to residential or non-residential property.

 

1 Provided that:

• the premium for the Plan has been paid on the due date or during the grace period; and

• the premium holiday has never been exercised during the first 5 policy years; and

• there is no withdrawal of Account Value and investment requests which cause increment in the Insurance Charge or reduction in the existing or future Account Value.

 

2 Terms and conditions apply.

Disclaimer:
The product information above is for general information only and it is NOT a contract of insurance. You are advised to refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet and Policy Contract for full details.