Introducing Hong Leong SMART Wealth Insurance, an investment-linked plan (ILP) that is designed to support your financial goals and empower your financial future, while protecting you and your family in your absence with a meaningful legacy.
Features & Benefits
1. Wealth accumulation through the potential upside of investment-linked funds, with minimum payout
2. Enjoy protection coverage at least 110% of the total premium paid, less any withdrawals, until age 100 with 3 years payment term, subject to policy sustainability.
3. Allocate 100% of premium into investment to optimise your returns.
4. Leave behind a legacy of financial peace for your loved ones.
5. Tailored-made options with packages designed to suit your needs.
6. Hassle free enrolment with no health questions asked up to RM 1,500,000 annual premium.
The basic plan consists of the following premium options and Basic Sum Assured1:
| Plan | Annual Premium (RM) | Basic Sum Assured (RM) |
|
|---|---|---|---|
Entry Age 0 - 55 |
Entry Age 56 - 70 |
||
Standard |
30,000 |
117,000 |
99,000 |
Deluxe |
50,000 |
195,000 |
165,000 |
Premier |
100,000 |
390,000 |
330,000 |
Superior |
150,000 |
585,000 |
495,000 |
Excellence |
200,000 |
780,000 |
660,000 |
Signature |
250,000 |
975,000 |
825,000 |
Platinum |
300,000 |
1,170,000 |
990,000 |
Prestige |
350,000 |
1,365,000 |
1,155,000 |
Prime |
400,000 |
1,560,000 |
1,320,000 |
Grand |
450,000 |
1,755,000 |
1,485,000 |
Elite |
500,000 |
1,950,000 |
1,650,000 |
Supreme |
600,000 |
- |
1,980,000 |
Royal |
700,000 |
- |
2,310,000 |
Majestic |
800,000 |
- |
2,640,000 |
Imperial |
900,000 |
- |
2,970,000 |
Ultimate |
1,000,000 |
- |
3,300,000 |
Ultimate 1.25 |
1,250,000 |
- |
4,125,000 |
Ultimate 1.50 |
1,500,000 |
- |
4,950,000 |
Note: If you are not eligible to purchase this plan under Sign and Protect, you can opt for Simplified Underwriting by answering a few health questions. Please speak with your Insurance Consultant to assist you in selecting the optimal package or combination of packages to meet your financial needs.
Entry Age Eligibility (based on age last birthday)
- Minimum: 30 days old
- Maximum: 70 years old
Footnote
- Basic Sum Assured is based on entry age.
| Entry Age | Basic Sum Assured |
|---|---|
0-55 |
130% of Total Premium Payable (excluding any optional top up premiums) minus any withdrawals |
56-70 |
110% of Total Premium Payable (excluding any optional top up premiums) minus any withdrawals |
*Important Note
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 Takaful and Insurance Benefits Protection System (TIPS) Brochure, contact [Hong Leong Assurance Berhad] or PIDM (visit www.pidm.gov.my).
