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Up to RM2 Million Non-Medical Limit
Get up to RM2 million coverage without having to undergo medical check-up1 upon enrolment.
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.
Death or Total and Permanent Disability (TPD) benefit
In the event of death or total and permanent disability (TPD)2, you or your loved ones will receive the higher of the:
less any indebtedness.
Double-up Insurance Coverage
An additional 10% of the basic sum assured (BSA) will be granted at the end of every 2 policy years, up to a maximum of 2 times the BSA by the end of the 20th policy anniversary.
Receive the universal account value (if any), less any indebtedness when the plan matures at age 80.
Guaranteed Health Check-up Allowance³
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.
Guaranteed Loyalty Bonus Benefit³
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.
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|