Elite Smart Invest
Make Your Financial Goals Come True With The Right Plan.
Achieve your financial goals with an insurance plan that smartly balances between protection and wealth accumulation at different stages of life.
This is a Life insurance product.
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Start building your wealth today. Get a plan that is with you every step of your way. Elite Smart Invest gives you the opportunity to grow your wealth and provides life protection at the same time.
Key Features
Highlights of Elite Smart Invest:
- Enjoy short premium payment term of 5 years only.
- Potential of gaining returns1 from your investment through a range of professionally managed investment-linked fund(s).
- Life insurance protection for death and Total and Permanent Disability (TPD)2.
- Auto face amount reduction3 at age 71, which allows lesser insurance charge to be deducted hence helps your policy to build up a potentially higher Account Value1.
- Enjoy No Lapse Guarantee benefit during the first 5 policy years4.
- Auto fund rebalancing of your investment portfolio every quarter.
- Flexibility to take charge of your financial plan such as adjust your premium and insurance coverage, switch between funds, perform top-ups or withdraw your investment as and when needed5.
| 1 | Returns are not guaranteed and are subject to the performance of the fund(s) selected. |
| 2 | Death coverage is up to Insured’s age 99 while TPD coverage is only up to Insured’s age 70 next birthday. |
| 3 | At the policy anniversary immediately when the Insured reaches age 71, the face amount will be auto reduced to an amount equivalent to 300% of total Insurance Premium paid or current face amount, whichever is lower. |
| 4 | Subject that all premiums have been paid to-date and other terms and conditions apply. |
| 5 | Subject to terms and conditions, conditional charges may apply. |
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) brochure or contact Manulife Insurance Berhad or PIDM (visit www.pidm.gov.my).
DISCLAIMER FOR BANCASSURANCE PRODUCTS
Before purchasing the insurance policy, you are advised to refer to the terms and conditions in the Product Brochure, Product Disclosure Sheet and Product Illustration for details of the important features and major exclusions of the insurance plan.
This insurance product is underwritten by Manulife Insurance Berhad (200801013654 (814942-M)), a licensed insurance company regulated by Bank Negara Malaysia and is distributed by Alliance Bank Malaysia Berhad (“Bank”) (198201008390 (88103-W)). The Bank accepts no responsibility or liability for the plan or the products and services offered by Manulife Insurance Berhad.
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