Wealth protection for greater living

You can never put a price on the happiness and wellbeing of the people you love. That is why you do your best to provide a comfortable life for them, one that allows them to realise their dreams, free from financial uncertainty, well protected from economic adversity.

With SmartProtect Max, you have the opportunity to advance towards your goal of protecting what is most precious to you, helping your loved ones to continue on with their lives should the unexpected happen.

Features:

Long-term coverage, flexible payment

Protecting you for up to 30 years, the plan lets you choose a premium payment term of 5, 10 or 20 years1, depending on your needs and goals.

1% added to sum assured every year

Your sum assured grows by 1% every year throughout your coverage period to give you much added assurance, and your loved ones added peace of mind.

High coverage for death or TPD

With coverage starting from RM500,000, the plan ensures that you and your loved ones will not be financially burdened should the unexpected occur

No-Lapse Guarantee

A ‘No-Lapse Guarantee’ in the first six policy years ensures that your policy remains in force even if your total investment value becomes zero, so long as the premiums are paid consistently on each premium due date or during the grace period, and no withdrawal is made within the first six policy years

Pick your own funds

The plan gives you access to professionally managed funds. You can pick the funds that suit your risk appetite and investment style. If your needs change, simply switch your choice of funds

Choose your protection and investment levels

Choose your protection and investment levels according to your needs and goals. You can also boost the investment value of your policy via single premium top-ups with a minimum amount of RM1,000, which will effectively provide a fresh injection of 95% of the paid premium to unit funds

Conversion at maturity

At the maturity date of your policy, you may purchase a level sum assured Endowment or Whole Life policy, but not later than the year in which you attain age 80 years next birthday.