Make your money work for you
SmartProtect Essential is an investment-linked insurance plan that adapts to your lifestyle. It's easy to get into - starting with just RM100 per month, you'll receive life coverage and an investment allocation that increases over time - bringing your goals closer to reality with every passing day.
The insurance premiums paid are allocated to the unit funds at the following rates:
| Policy Year |
1-2
|
3-4
|
5-6
|
7 & above
|
| Premium Allocation Rate |
43%
|
76%
|
85%
|
100%
|
- 1% more on your sum assured every year throughout your coverage years
An example of how this works:
Josh Lim is a 25-year-old male who buys SmartProtect Essential. Let's assume he is insured for RM100,000. If he lives till age of 75, he will accumulate 1% more per year on his sum assured for 50 years.
1% x RM100,000 x 50 years = RM50,000 more
That means his loved ones will receive a total of RM150,000.
Note: The above are used for illustrative purposes only. Terms and conditions apply.
- Provision of financial protection against the unexpected
- Choose your own protection and investment levels
- Pick your own funds
Other benefits include:
- Extra protection with additional riders
- Tax benefit
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