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Guaranteed Loyalty Bonus Benefit¹
Receive 0.5% of the basic sum assured (BSA) at the end of the 5th policy year and 1.5% of the BSA at the end of the 10th policy year, less any indebtedness.
Up to RM2 Million Non-Medical Limit
Get up to RM2 million coverage without having to undergo medical check-up² upon enrolment.
Double-Up Insurance Coverage
High sum assured starting from RM500,000 per policy, which will eventually double up over the policy tenure. An additional 10% of the basic sum assured (BSA) will be granted at the end of every 2 policy years, up to maximum of double the BSA by the end of the 20th policy anniversary. In the event of death or total and permanent disability (TPD)3, you or your loved ones will receive the higher of the BSA plus increasing sum assured (if any) or value of the universal account, less any indebtedness.
Guaranteed Health Check-up Allowance¹
A lump sum benefit of RM1,500 – less any indebtedness – will be payable at the end of every 2 policy years to help cover the cost of regular medical examinations. This benefit will be paid automatically without any supporting document requirements.
Receive the universal account value (if any), less any indebtedness when the plan matures at age 80.
Flexible Premium Payment Term
Flexibility to choose a premium payment term – 5 years, 10 years or up to age 60 – whichever best suits your financial needs.
Conditional No-Lapse Guarantee
The policy will not lapse even if the value of the universal account is less than zero, provided all premiums due under the policy are paid within the grace period4.
|Premium Payment Term||Minimum Entry Age
|Maximum Entry Age
|5 years||30 days old||60 years old|
|10 years||30 days old||60 years old|
|Up to age 60||30 days old||50 years old|