Hong Leong SMART Wealth Insurance

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  • Investment Linked >
  • Hong Leong SMART Wealth Insurance
SMART Wealth Insurance

Protecting Your Family With Just 3 Premium Payments

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Features & Benefits

  • Features & Benefits
  • Banca Service Guide
  • Product Disclosure Sheet & Brochure
  • TIPS Brochure
Allocate 100% of your Premiums Into Investment to Optimize Your Returns

Have the peace of mind knowing that every Ringgit from your Basic Plan Premium is being invested into investment-linked funds of your choice to grow your wealth, subject to fund performance and fee/charges¹. 

 

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Hassle Free Enrolment with No Health Questions Asked

Secure lifelong protection with no medical examinations or health questions asked based on your desired level of protection, up to RM 3.3 million of death coverage, subject to terms and conditions.

 

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Earn Potential Investment Gains with a Lengthy Investment Horizon

Watch your wealth grow over time, subject to fund performance, whilst leveraging on the effects of investment returns and improved resilience to weather market fluctuations. 

 

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Secure Your Loved Ones’ Future with Lasting Legacy

Provide your family immediate financial support during difficult times with a lump sum death benefit² of at least 110% of your premium outlay (excluding any optional top up premiums) minus any withdrawals. 

 

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Eligibility
  • Minimum Entry Age: 30 days old
  • Maximum Entry Age: 70 years old

 

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Go Easy On Your Wallet

Premium commitment for just 3 years, subject to sustainability of the policy, to enjoy coverage up to age 100.

 

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Tailor Made For You with Various Packages to Suit Your Financial Needs

Choose from up to 6 packages and invest into a wide range of professionally-managed ILP funds to suit your ever-changing risk appetite.

 

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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

Ease of Wealth Distribution Upon Your Demise

Take control of your legacy by ensuring that your assets are transferred smoothly to your chosen beneficiaries with our easy nomination process.

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Footnote

  1. Supplementary fee and insurance charge will be deducted monthly from the Account Value
  2. For the first two (2) policy years, the death benefit payable for death due to non-accidental causes shall be the higher of the total premium paid for this basic policy less any applicable tax on premium, any withdrawal and any benefit paid, or the Account Value at next valuation date. The death benefit payable for death due to non-accidental causes from 3rd policy year onwards and the death benefit payable for death due to accidental causes for all policy years shall be the higher of the Basic Sum Assured³ or Account Value at next valuation date.
  3. 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

This product is underwritten by Hong Leong Assurance Berhad, an insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

This plan may qualify you for personal tax relief, subject to the final decision of the Inland Revenue Board.

English / Bahasa Malaysia

Banca Service Guide Takaful

Others

Banca Service Guide

English

Hong Leong SMART Wealth Insurance Product Disclosure Sheet

Hong Leong SMART Wealth Insurance Brochure

TIPS Brochure

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).

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