Features & Benefits
Guaranteed Cash
This plan gives you guaranteed cash on top of protection against death.
Two Options to meet your savings needs:
Boost growth of Account Value Hong Leong SMART Value Assured Insurance with Hong Leong Invest Gain ProRider |
OR |
Cash for immediate use Hong Leong SMART Value Assured Insurance with Hong Leong Cash Gain ProRider |
End of Policy Year |
Guaranteed cash benefit |
1 & 3 |
50% of guaranteed cash |
Every two years from year 5 onwards up to year 25 |
100% of guaranteed cash |
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Short-term Commitment
Pay premiums for only 5 years to enjoy a coverage term of 25 years.
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Life Protection
In the event of death due to any cause, the amount payable is as shown below:
Hong Leong SMART Value Assured Insurance
Higher of Basic Sum Assured or Account Value
Hong Leong Invest Gain ProRider/Hong Leong Cash Gain ProRider
4 to 16 times of guaranteed cash depending on the time of event
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.
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Potential Financial Gain
You may optimise your potential earnings by investing in a wide range of investment-linked funds depending on your risk appetite.
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No Loss
Upon policy maturity, you can be assured that you will receive at least the premiums that you have paid. The total of all the guaranteed cash credited/payout and the guaranteed maturity benefit received will be at least 100% of total premium paid. This assumes no additional top up is included in the total premium paid.
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Flexible Premium Payment Frequency
Payment can be done monthly, quarterly, semi-annually or annually via cash, cheque, credit card and auto debit.
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Eligibility
- Minimum Entry Age: 30 days old
- Maximum Entry Age: 70 years old
- Minimum Annualised Premium: RM 6,000
- Maximum Annualised Premium: Subject to underwriting
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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.
This plan is underwritten by Hong Leong Assurance Berhad, and distributed by Hong Leong Bank Berhad. The Bank accepts no responsibility or liability for the plan or the products and services offered by Hong Leong Assurance Berhad.
The premiums that you pay contribute to both the savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this policy with the effective returns of other investment alternatives.
