Total and Permanent Disablement (TPD) before the age of 65
Old Age Disability (OAD) upon attaining the age of 65
In the event of death, TPD or OAD (whichever occurs first) the higher of the Basic Sum Assured or the Fund Value immediately after the event will be payable.
Professionally-Managed Investment-Linked Fund
95% of your premiums will be invested into any Investment-linked fund(s) of your choice.
Your monthly insurance charge (which is not guaranteed and deducted from the Fund Value) will increase as you get older. It is possible that the Fund Value may be insufficient to pay for the insurance charge in later years due to circumstances such as poor fund returns or withdrawals causing your policy to lapse before attaining the age of 100. In such an event, you may need to top up your premium to ensure continuous coverage.
Fund Value and account value carry the same meaning in all collaterals.
This plan may qualify you for personal tax relief, subject to the final decision of the Inland Revenue Board.
One-Time Single Premium Payment
Pay once, and get protection till you turn 100.
In addition to the one-time payment, you can top up your premium at any time with a minimum value of RM500 to enhance the sustainability of the Fund Value.
You may also withdraw a minimum of RM500 should you need to meet your expenses.
For each top-up or withdrawal, the Basic Sum Assured will be increased or decreased accordingly by the same amount. At any time, your Basic Sum Assured shall not be less than RM5,000.
•Min Entry Age: 30 days old
•Max Entry Age: 70 years old
•Min Entry Age: 18 years old
•Max Entry Age: 65 years old
Personal tax relief is subject to eligibility and approval of Inland Revenue.