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Generali Life Insurance Malaysia Berhad is a member of PIDM. PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
Benefits
Attractive Product Features and Benefits
Get protected against death and TPD with only 2 years premium payment and covers you up to age 1001 years. Answer 4 health questions 2 and it will determine your protection coverage amount (Max Cover or Essential Cover).
Death or Total Permanent Disability (TPD) Benefits
In the event of death or TPD (before age 70), you or your family will receive a lump sum benefit.
Basic Sum Insured for Max Cover:
Entry age 0 – 20: 600% of Total Basic Premium Paid
Entry age 21 – 54: 400% of Total Basic Premium Paid
Entry age 55 – 65: 200% of Total Basic Premium Paid
Basic Sum Insured for Essential Cover:
Entry age 0 – 54: 200% of Total Basic Premium Paid
Entry age 55 – 65: 150% of Total Basic Premium Paid
Loyalty Bonus
Provided your policy is still in-force and all premiums are paid up to date, you will receive Loyalty Bonus for every 5 policy years starting from the end of the 15th policy anniversary onwards. The bonus amount is calculated based on 2% of the average monthly Account Value over the last 5 years and it will be credited to your Account Value.
Flexibility
• Partial withdrawal at anytime3
• Premium holiday
• No fund switching fee
High Premium Allocation
We provide high premium allocation of up to 96.5% of the Annual Basic Premium to help boost your investments.
1 Death coverage is up to age 100 and age 85 for Max Cover and Essential Cover, respectively. TPD coverage is up to age 70 for both Max Cover and Essential Cover.
2 6 questions for child aged 2 and below.
3 Subject to Partial Withdrawal Charge for any withdrawal within first 2 policy years.
1 Death coverage is up to age 100 and age 85 for Max Cover and Essential Cover, respectively. TPD coverage is up to age 70 for both Max Cover and Essential Cover.
2 6 questions for child aged 2 and below.
3 Subject to Partial Withdrawal Charge for any withdrawal within first 2 policy years.
DISCLAIMER:
The description of coverage above is merely a brief summary. Complete information on the terms, conditions and limitations/exclusions are stated in the policy contract.
Eligibility
Anyone aged between 15 days to 65 years old.
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