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Comprehensive and Customisable Coverage¹
This plan provides valuable benefits to you and your loved ones in the event of death or total and permanent disability (TPD)2. You may further enhance your protection needs with a wide range of optional riders which include:
Manage your investment, your way
Enjoy the flexibility to opt from eight professionally managed investment-linked funds according to your risk tolerance level and investment needs. Boost your investment returns with a scheduled or single top-up premium and switch your funds anytime.
Flexible Expiry Terms
Flexibility to choose different expiry terms which best suit your financial needs, up to age 70, 80, 99 and policy term of 30 years. Extension of insurance coverage (only applicable for expiry term up to age 70, 80 and policy term of 30 years). Upon expiration of the policy, the insurance coverage will be extended up to age 99, subject to additional premium requirements.
No underwriting required for this insurance coverage extension.
Maturity Benefit (Applicable to the policy expiry at age 99)
The basic sum assured and total account value – less any indebtedness – will be payable when the life assured survives until the end of the policy term (age 99).
Cost of Insurance (COI) Discounts
Enjoy a discount on the basic COI if you select a higher basic sum assured.
Please refer below for COI discounts.
Full Premium Allocation
The full amount of premium paid – regardless of basic premium or top-up premium – will be allocated into your policy and invested in the investment-linked funds of your choice.
Entry age: Based on the age of your last birthday basis
|Policy Term||30 years||Expiry Age 70||Expiry Age 80||Expiry Age 99|
|Minimum age at entry||18 years old||30 days old||30 days old||30 days old|
|Maximum age at entry||40 years old||50 years old||60 years old||70 years old*|
|Basic Sum Assured||Discount on Basic COI|
|RM 500,000 - RM 999,999||10%|
|RM 1,000,000 - RM 2,499,000||15%|
|RM 2,500,000 onwards||20%|