Elite Life Guard | Alliance Bank Malaysia

Protection > Life Insurance > Elite Life Guard 2

Life insurance is about providing financial security. Securing a comfortable future for you and your family is a priority and with Elite Life Guard 2, you are on the right track. Best yet, you can safeguard yourself and your family with just one plan.

KEY FEATURES AND BENEFITS

Highlights of Elite Life Guard 2:

Life insurance protection for death and Total and Permanent Disability (TPD)¹ whereby the higher of the Account Value or Face Amount will be payable. Elite Life Guard Plus 2 which pays both Account Value and Face Amount is also available.

Get covered with additional 150% of the Face Amount should death of the insured is due to accident².

Waive future Insurance Premium until the 10th policy year if diagnosed with one of the 47 covered critical illnesses.

Earn Wellness Reward of up to 20% of the Total Insurance Charge³ at the end of 10th, 20th and 30th policy year.

Gain access to a variety of investment-linked funds⁴.

You have the 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.

Choice of coverage terms up to 70, 80 or 99 years old. For coverage terms up to age 70 or 80, you have the option to renew the policy up to age 99 without further underwriting⁶.

Auto fund rebalancing of your investment portfolio every quarterly.

Supplement and complete your insurance coverage with the following optional protection:

MEDICAL

Helps to ease your financial burden from rising hospitalisation expenses.

CRITICAL ILLNESS

Have ready access to funds for treatment of critical illnesses without compromising your lifestyle.

EARLY PAYOUT CRITICAL ILLNESS

Provides financial assistance for treatment even in early stages of critical illnesses.

LADY PROTECTION

Provides coverage against specific female-related illnesses.

ACCIDENTAL COVERAGE

Provides financial assistance to your family should the unexpected happens.

PREMIUM PROTECTION

Pays future premiums of the policy should the Insured or Payor suffers from any of the covered events.

¹TPD coverage is up to age 70 next birthday.

²Accidental death coverage is up to age 70 next birthday. If the Insured’s age at entry is 61 and above, accidental death benefit will not be applicable.

³Only applicable to Insurance Charge charged for basic plan and Critical Illness Protect rider. Subject to no claims and all premiums are paid to date.

⁴Returns are not guaranteed and are subject to the performance of the funds. Past performance of the funds is not indicative of future performance. Please refer to fund fact sheet for more information.

⁵Subject to terms and conditions, Conditional Charges may apply.

⁶Manulife will inform you of this option 90 days prior to the expiry date of your selected coverage term.

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Elite Life Guard 2

KEY FEATURES AND BENEFITS

Highlights of Elite Life Guard 2:

Life insurance protection for death and Total and Permanent Disability (TPD)¹ whereby the higher of the Account Value or Face Amount will be payable. Elite Life Guard Plus 2 which pays both Account Value and Face Amount is also available.

Get covered with additional 150% of the Face Amount should death of the insured is due to accident².

Waive future Insurance Premium until the 10th policy year if diagnosed with one of the 47 covered critical illnesses.

Earn Wellness Reward of up to 20% of the Total Insurance Charge³ at the end of 10th, 20th and 30th policy year.

Gain access to a variety of investment-linked funds⁴.

You have the 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.

Choice of coverage terms up to 70, 80 or 99 years old. For coverage terms up to age 70 or 80, you have the option to renew the policy up to age 99 without further underwriting⁶.

Auto fund rebalancing of your investment portfolio every quarterly.

Supplement and complete your insurance coverage with the following optional protection:

MEDICAL

CRITICAL ILLNESS

EARLY PAYOUT CRITICAL ILLNESS

LADY PROTECTION

ACCIDENTAL COVERAGE

PREMIUM PROTECTION

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Elite Life Guard 2

KEY FEATURES AND BENEFITS

Highlights of Elite Life Guard 2:

Life insurance protection for death and Total and Permanent Disability (TPD)1 whereby the higher of the Account Value or Face Amount will be payable. Elite Life Guard Plus 2 which pays both Account Value and Face Amount is also available.

Get covered with additional 150% of the Face Amount should death of the insured is due to accident2.

Waive future Insurance Premium until the 10th policy year if diagnosed with one of the 47 covered critical illnesses.

Earn Wellness Reward of up to 20% of the Total Insurance Charge3 at the end of 10th, 20th and 30th policy year.

Gain access to a variety of investment-linked funds4.

You have the 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.

Choice of coverage terms up to 70, 80 or 99 years old. For coverage terms up to age 70 or 80, you have the option to renew the policy up to age 99 without further underwriting6.

Auto fund rebalancing of your investment portfolio every quarterly.

Supplement and complete your insurance coverage with the following optional protection:

MEDICAL

CRITICAL ILLNESS

EARLY PAYOUT CRITICAL ILLNESS

LADY PROTECTION

ACCIDENTAL COVERAGE

PREMIUM PROTECTION

Need Assistance?

Online

By Phone

Face to Face

Life insurance protection for death and Total and Permanent Disability (TPD)¹ whereby the higher of the Account Value or Face Amount will be payable. Elite Life Guard Plus 2 which pays both Account Value and Face Amount is also available.

Get covered with additional 150% of the Face Amount should death of the insured is due to accident².

Earn Wellness Reward of up to 20% of the Total Insurance Charge³ at the end of 10th, 20th and 30th policy year.

Gain access to a variety of investment-linked funds⁴.

You have the 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.

Choice of coverage terms up to 70, 80 or 99 years old. For coverage terms up to age 70 or 80, you have the option to renew the policy up to age 99 without further underwriting⁶.