You save to meet different needs, be it to prepare for rainy day, dream vacation or kids' education fund. No matter what your commitments are, it is crucial for you to choose the right plan to start growing your nest.
We help you save smartly to achieve your financial goals.
Save smartly with A Elite Saver – a plan that offers you Guaranteed Cash Payment, while protecting you and your loved ones until age 88.
With a premium payment term of only 20 years, this plan provides Guaranteed Cash Payment from the end of 5th policy year onwards and coverage in the event of death or total and permanent disability (TPD). In addition, additional Guaranteed Cash Payment will be payable in the event of any accidental injuries.
A Elite Saver offers you the following benefits:
Total sum assured is payable to your loved ones in the event of your untimely demise while the policy is still in force. The total sum assured varies according to your age and policy year, however the minimum guaranteed death benefit will be 100% of the sum assured.
Total and Permanent Disability Benefit
Depending on the nature of disability, disability benefit will be payable to you either in one lump sum or 10% of the sum assured for the first two years, followed by the remaining 80% in third year.
Should the total and permanent disability occurred due to accidental causes, an additional 100% of the disability benefit will be payable.
Guaranteed Cash Payment
A Guaranteed Cash Payment equivalent to 4% of the total sum assured will be payable every year from the end of the 5th policy year until 20th policy year, and 5% of the total sum assured from 21st policy year onwards until the insured attains 88 years of age or policy termination, whichever is earlier.
Accidental Dismemberment Benefit
Should the insured sustain any one of the covered accidental injuries, an additional Guaranteed Cash Payment equivalent to 16% of the total sum assured is payable on the policy anniversary immediately after the claims approval date for 20 policy years or until policy termination, whichever is earlier.
Upon maturity date, if the policy is in force and the insured is alive, minimum 130% of the sum assured will be payable.
This non-guaranteed dividend is payable upon termination, maturity or surrender of your policy.
These are non-guaranteed dividends payable to you on the policy anniversary. Determined annually by the Company, the dividends are payable after payment of the second year premium has been made.
Short-term Premium Paying Duration
With a shorter premium paying duration of only 20 years, you get to enjoy the protection until the age of 88.
Option for Additional Coverage
You can further enhance your protection by adding the optional benefits with additional premiums, where the future premiums for the basic policy will be waived until your child reaches age 25 or maturity as the case maybe in the event of death, total and permanent disability or diagnosed with any one of the covered critical illness.
Important: This is purely a product summary. Please refer to policy contract for further details
|Entry age||4 weeks old to 60 years old|
|Minimum Sum Assured||RM20,000|
|Premium Paying Duration||Payable for 20 years or prior to the death of the insured, whichever is earlier|
Lydia is a happily married woman with 2 children. Both she and her husband wish to provide quality lifestyle to their family, and they are looking for a plan that offers additional guaranteed income to meet their needs. Upon thorough evaluation, they have opted for A Elite Saver.
Apart from offering lifelong guaranteed cash payment until the age of 88 to meet the changing needs of the family in the future, the plan also protects Lydia and her family against the unexpected incident with additional protection provided for injury and disability caused by accident.