Short-Term Commitment

Pay for 5, 10, 15 or 20 years to enjoy continuous insurance protection for 30 years or up to age 80. This plan is guaranteed renewable up to age 100 of Insured for both coverage term options.

Death / Total and Permanent Disability

Basic Plan

In the event of the Insured’s death, the amount payable shall be the higher of any:

1. Basic Sum Insured less withdrawals*; or
2. Account Value

*Partial Withdrawals made for the past 12 months preceding the date of the Insured’s death

The TPD benefit payable is subject to a TPD Limit of RM4 million per life.

Accidental Death or Total and Permanent Disability Benefits

Basic Plan

In the event of the Insured’s Death or TPD due to accident prior to age 70, if there is more than one claim is admitted, only the highest of any one of the following will be payable in addition to the Death or TPD respectively:

The maximum payout of additional Accidental Death or TPD is subject to RM4 million per life.

Terminal Illness Benefits

100% of the Death Benefit will be payable

Other Benefits

Loyalty Bonus

Provided the policy is still in force and all premiums are paid up to date, an additional 2% of the average monthly Account Value over the last 5 years prior to the date of bonus payment to be payable at the end of every 5 policy years, starting from the 5th Policy Year onwards.

Loyalty Booster

Provided the policy is still in force and all premiums are paid up to date, an additional 10% of average monthly Account Value over the last 10 years, payable at the end of 20th Policy Year. This additional 10% of the Account Value shall be subject to a maximum of 10% of Basic Sum Insured.

No Lapse Guaranteed

This Policy is guaranteed to be kept in-force during the first five (5) Policy Years provided:

(a) all premiums are paid up to date; and

(b) there is no withdrawal of Account Value from the policy; and

(c) there is no incremental in the Basic Sum Insured or addition of Supplement after the Issue Date

No Lapse Guarantee is not provided if the Policy is reinstated during the first five (5) Policy Years.

Riders Available

CI Waiver of Premium Benefit

GENERALI Life will waive only Regular Premium due under Basic Plan upon the Insured diagnosed with one or more covered Critical Illness (CI). The coverage term is equivalent to basic premium payment term subject to Age 70 of the Insured, whichever is earlier.

Life & CI Payor Benefit

GENERALI Life will waive only Regular Premium due under the Basic Plan upon the Payor dies or diagnosed with one or more covered Critical Illness (CI). The coverage term is equivalent to basic premium payment term, or Age 23 of the Insured or Age 70 of the Payor, whichever is earliest.

Additional CI Protect

GENERALI Life will provides 100% of the rider sum insured will be payable if the Insured has been diagnosed with a covered critical illness and the amount payable is in addition to the basic plan’s sum insured.

Entry Age

Sum Assured

Basic plan:

Riders:

Minimum Sum Assured : RM 500,000

Maximum Sum Assured : Subject to underwriting