Key Features
Opt for a Yearly Guaranteed Cash Amount (GCA) or Guaranteed Cash Payment (GCP)
You have a choice of 2 different packages to meet your financial needs. Based on your chosen package, you can enjoy Guaranteed Cash, which will be credited into your policy to boost your savings (GCA), or paid out to you for immediate usage (GCP).
Package with Hong Leong Invest Plus ProRider
Grow your wealth with a Yearly Guaranteed Cash Amount credited into your policy.
OR
Package with Hong Leong Cash Plus ProRider
Enjoy a regular stream of income with a Yearly Guaranteed Cash Payout.
The Guaranteed Cash is payable yearly from the end of year 1 till year 20 and is guaranteed whilst the policy is in force.
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You have a choice of 2 different packages to meet your financial needs. Based on your chosen package, you can enjoy Guaranteed Cash, which will be credited into your policy to boost your savings (GCA), or paid out to you for immediate usage (GCP).
Package with Hong Leong Invest Plus ProRider
Grow your wealth with a Yearly Guaranteed Cash Amount credited into your policy.
OR
Package with Hong Leong Cash Plus ProRider
Enjoy a regular stream of income with a Yearly Guaranteed Cash Payout.
The Guaranteed Cash is payable yearly from the end of year 1 till year 20 and is guaranteed whilst the policy is in force.
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Secure A Meaningful Legacy for Your Loved Ones
In the event of your demise, your family will receive the following death benefit to continue living their current lifestyle.
Hong Leong SMART Income Plus Insurance
Higher of Basic Sum Assured or Account Value
Hong Leong Invest Plus ProRider/Hong Leong Cash Plus ProRider
8 to 36 times of Guaranteed Cash depending on the time of event and premium payment term selected
For the first two (2) policy years, the Death Benefit payable due to non-accidental causes shall be the higher of the basic premium paid less any withdrawals or Account Value, plus the rider premium paid less any Guaranteed Cash credited/paid.
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In the event of your demise, your family will receive the following death benefit to continue living their current lifestyle.
Hong Leong SMART Income Plus Insurance
Higher of Basic Sum Assured or Account Value
Hong Leong Invest Plus ProRider/Hong Leong Cash Plus ProRider
8 to 36 times of Guaranteed Cash depending on the time of event and premium payment term selected
For the first two (2) policy years, the Death Benefit payable due to non-accidental causes shall be the higher of the basic premium paid less any withdrawals or Account Value, plus the rider premium paid less any Guaranteed Cash credited/paid.
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Sign Up & Get Protected
Choose the right coverage amount for your needs. Get protected up to RM 1,264,0001 of Death Benefit with hassle free enrolment (Sign & Protect).
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Choose the right coverage amount for your needs. Get protected up to RM 1,264,0001 of Death Benefit with hassle free enrolment (Sign & Protect).
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Short and Flexible Commitment
Pay premium for just 3 or 5 years to enjoy up to 20 years of coverage.
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Pay premium for just 3 or 5 years to enjoy up to 20 years of coverage.
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Maturity Benefit
Upon maturity of your plan, you will receive a lump sum payment equivalent to the Account Value and 25 times of your Guaranteed Cash Amount/Guaranteed Cash Payment.
1The Death Benefit stated is the death benefit payable from year 3 onwards, which is the total of Basic Sum Assured plus Guaranteed Cash of 28 times for a plan with premium payment term of 3 years, entry age between 46 to 65 and with annual packaged premium of RM 400,000.
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Upon maturity of your plan, you will receive a lump sum payment equivalent to the Account Value and 25 times of your Guaranteed Cash Amount/Guaranteed Cash Payment.
1The Death Benefit stated is the death benefit payable from year 3 onwards, which is the total of Basic Sum Assured plus Guaranteed Cash of 28 times for a plan with premium payment term of 3 years, entry age between 46 to 65 and with annual packaged premium of RM 400,000.
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Eligibility
Minimum Entry Age: 30 days old
Maximum Entry Age: 65 years old
Minimum and Maximum Annual Premium under Sign & Protect, subject to underwriting approval:
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Minimum Entry Age: 30 days old
Maximum Entry Age: 65 years old
Minimum and Maximum Annual Premium under Sign & Protect, subject to underwriting approval:
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Premium Payment Term 3 years:
| Entry Age | Minimum (RM) | Maximum (RM) |
|---|---|---|
| 0 – 45 | 20,000 | 200,000 |
| 46 – 65 | 400,000 |
Premium Payment Term 5 years:
| Entry Age | Minimum (RM) | Maximum (RM) |
|---|---|---|
| 0 – 45 | 12,000 | 120,000 |
| 46 – 65 | 240,000 |
If you are not eligible under Sign & Protect, you may proceed under Simplified Underwriting:
Premium Payment Term 3 years:
| Entry Age | Minimum (RM) | Maximum (RM) |
|---|---|---|
| 0 – 45 | 20,000 | 400,000 |
| 46 – 65 | 800,000 |
Premium Payment Term 5 years:
| Entry Age | Minimum (RM) | Maximum (RM) |
|---|---|---|
| 0 – 45 | 12,000 | 240,000 |
| 46 – 65 | 480,000 |
This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust.
This product is underwritten by Hong Leong Assurance Berhad, an insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Disclaimer
The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact [Hong Leong Assurance Berhad] or PIDM (visit www.pidm.gov.my).
