| Whole Life Plus (Non-participating) |
Plan description
| 1 | This is a Whole Life Plan where a policyowner choose not to participate in the Company's surplus. Therefore, the premium rates are lower than the participating policies. |
| 2 | Premium paying period is up till age 100. |
| 3 | Should the assured be totally and permanently disabled after age 16 and before age 60, and/or before the expiry of the rider(EAPWP), the assured will receive 10% of the total Enhanced Advanced Payment & Waiver of Premium (EAPWP) sum assured for the first two years and the remaining 80% of the total EAPWP sum assured in the third year. However, should the total and permanent disability at anytime before age 60 be in the form of total and irrecoverable loss of sight of both eyes; or loss by severance of two limbs at or above wrist or ankle, a lump sum advance payment of total EAPWP sum assured is payable immediately. The basic policy sum assured will be reduced by the advance payment made under the EAPWP/ECLR (Enhanced Critical Life Rider) rider. |
Underwriting
| 1 | Issue age : | 0 - 65 |
| 2 | Minimum Sum Assured : | RM10,000 |
| 3 | Free Enhanced Advanced Payment & Waiver of Premium (EAPWP) for standard life, non-smoker and size discount. | |
| ===============================<<<>>>============================== | |||
| E.g. | Male Age 30 non-smoker, standard life. RM100,000 protection with cash value/refund. | ||
| Monthly premium | Cash Provident Fund for family | Cash value on surrender at | |
| RM98.00 | RM100,000 | Age 50: RM25,300 | |
| Age 55: RM34,200 | |||
| Age 60: RM43,300 | |||