Super Fortune Plan Important Message... Zurich s Super Fortune Plan guarantees you: Annual Cash Payment Lump Sum Cash at Maturity Flexible Premium Pay
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1 Life Insurance Super Fortune Plan Your Fortune Is In Your Hand
2 Super Fortune Plan Important Message... Zurich s Super Fortune Plan guarantees you: Annual Cash Payment Lump Sum Cash at Maturity Flexible Premium Payment Term Death & Total Permanent Disability Coverage Great Savings + Protection Life is beautiful, life is fun and life is full of excitement. Life needs to be enjoyed without worrying about things beyond your control. Have peace of mind about your children s education fund, overseas vacation, wealth accumulation and retirement planning. Zurich s Super Fortune Plan is here to assist you achieve all these wonderful things in life. Create your fortune now! What is Super Fortune Plan? Zurich s Super Fortune Plan is a 10, 15, 20 limited pay endowment plan which matures at age 40 to 80 depending on entry ages. It provides Guaranteed Annual Cash Payment (GACP) starting from the end of the 10 th policy year. Upon maturity, 120% of the original sum assured will be payable. Who is this plan for? This plan is available for individuals aged 30 days - 55 years old who: Need a plan which combines savings and protection. Need the flexibility in choosing the premium payment term. Need guaranteed annual cash payments, lump sum cash at maturity and great protection coverage. Benefits Guaranteed Annual Cash Payment (GACP) Super Fortune Plan provides you with a GACP of 4% of the basic sum assured from end of the 10 th policy year onwards. For entry age 21-55, the GACP is 6% from end of 20 years onwards. Entry Age Maturity Age End of Policy Year GACP (% of basic sum assured) th onwards 4% th -19 th 20 th onwards 4% 6% You have the option to take the cash or leave it with the Company to be accumulated with interest*. *Currently at 4.5% and subject to review from time to time. 2
3 Guaranteed lump sum cash at maturity Get 120% of the basic sum assured when your Super Fortune Plan matures. Flexible premium payment term You choose the payment term that you are most comfortable with. Super Fortune Plan offers 10, 15 & 20 years payment term to suit your financial capability. Death 1 & Total Permanent Disability 2 (TPD) coverage In the event of TPD before age 60 or Death at any time during the policy duration, you or your loved ones will receive 100% of the sum assured. Additional protection benefits Enhance your basic cover by attaching additional benefits (riders). We have a whole range of riders for you to choose from. Guaranteed premium With Super Fortune Plan, basic premiums are payable and guaranteed to remain unchanged throughout the policy years. You have the flexibility to pay the premiums monthly, quarterly, semi-annually or annually. 1 Death from suicide within one (1) year from issue date or date of reinstatement, whichever is later, whether the insured is sane or insane, shall limit the company s liability to the return of premiums paid without interest, less any indebtedness and the policy shall be terminated. 2 This plan excludes any disability caused directly or indirectly, wholly or partly, by any of the following occurrences: i. Self-destruction or any attempt there at while sane or insane. ii. Military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order. iii. Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route. 3
4 Illustration of Premiums & Benefits Basic Sum Assured: RM100,000 More about Zurich Super Fortune Plan 1. What are the minimum and maximum sum assured for this plan? The minimum sum assured is RM25,000; maximum sum assured is subject to underwriting approval. 2. Can a policyholder change from one plan to another plan, e.g. 10 years to 20 years during the policy term? No. Create your fortune today! For more information and assistance on Super Fortune Plan, please contact our Zurich Sales Advisor or Zurich Call Centre at or us at callcentre@zurich.com.my In the event of discrepancy, ambiguity and conflict in interpreting any term or condition, the English version shall prevail and supercede Bahasa Melayu, Chinese and Tamil versions. 4
5 Super Fortune Plan Pesanan Penting Super Fortune Plan Zurich memberi anda jaminan: Bayaran Tunai Tahunan Bayaran Tunai Sekaligus ketika Matang Tempoh Pembayaran Premium yang Fleksibel Perlindungan Kematian & Hilang Upaya Keseluruhan Kekal Simpanan Hebat + Perlindungan Hidup ini indah, hidup ini menyeronokan dan hidup ini mengujakan. Hidup ini perlu kita nikmati tanpa kerisauan mengenai kejadian-kejadian di luar kawalan. Dapatkan ketenangan fikiran untuk dana pendidikan anak-anak, percutian luar negara, pengumpulan harta kekayaan & perancangan persaraan anda. Super Fortune Plan Zurich membantu anda mencapai semua nikmat hidup ini. Kumpul keuntungan anda sekarang! Apakah Super Fortune Plan? Super Fortune Plan Zurich merupakan pelan endowmen bayaran terhad 10, 15, 20 tahun yang matang pada usia 40 hingga 80 tahun bergantung kepada usia kemasukan. Ia menyediakan Bayaran Tunai Tahunan Dijamin bermula dari akhir tahun polisi ke 10. Ketika matang, 120% daripada jumlah asas diinsuranskan akan dibayar. Untuk siapakah pelan ini? Pelan ini disediakan bagi individu yang berusia 30 hari - 55 tahun yang: Memerlukan pelan yang menggabungkan simpanan dan perlindungan. Memerlukan fleksibiliti dalam memilih tempoh bayaran premium. Memerlukan Bayaran Tunai Tahunan, Tunai Sekaligus ketika Matang dan perlindungan yang hebat. Faedah Bayaran Tunai Tahunan Dijamin (BTTD) Super Fortune Plan menawarkan BTTD sebanyak 4% daripada jumlah asas diinsuranskan dari akhir tahun polisi ke 10 dan seterusnya. Bagi usia kemasukan 21-55, BTTD adalah 6% dari akhir tahun ke 20 dan seterusnya. Usia Kemasukan Usia Matang Akhir Tahun Polisi BTTD (% jumlah asas diinsuranskan) Tahun ke 10 seterusnya 4% Tahun ke Tahun ke 20 & seterusnya 4% 6% Anda mempunyai pilihan untuk mengambil tunai atau membiarkan pada Syarikat untuk dikumpul bersertakan faedah*. *Kini pada 4.5% dan tertakluk kepada pindaan dari semasa ke semasa. 5
6 Bayaran tunai sekaligus dijamin Dapatkan 120% daripada jumlah asas diinsuranskan apabila Super Fortune Plan anda matang. Bayaran tempoh premium yang fleksibel Anda boleh memilih tempoh bayaran yang paling selesa, Super Fortune Plan menawarkan tempoh bayaran 10, 15 & 20 tahun yang bersesuaian dengan kemampuan kewangan anda. Perlindungan Kematian 1 & Hilang Upaya Keseluruhan Kekal 2 (HUKK) Jika berlaku HUKK sebelum usia 60 tahun atau Kematian pada bila-bila masa ketika tempoh polisi, anda atau orang yang tersayang akan menerima 100% dari jumlah diinsuranskan. Faedah perlindungan tambahan Lanjutkan perlindungan asas anda dengan melampirkan faedah tambahan (rider). Kami memiliki pelbagai rider untuk pilihan anda. Premium dijamin Dengan Super Fortune Plan, premium asas adalah berbayar dan dijamin tidak berubah sepanjang tempoh polisi. Anda diberi pilihan membayar premium secara bulanan, suku tahun, setengah tahun atau tahunan. 1 Kematian akibat membunuh diri dalam masa satu (1) tahun dari tarikh dikeluarkan atau tarikh penguatkuasaan semula, yang mana kemudian, sama ada semasa Yang Diinsuranskan siuman atau tidak siuman, akan mengehadkan liabiliti syarikat pada pengembalian premium yang dibayar tanpa faedah, ditolak sebarang hutang dan polisi akan ditamatkan. 2 Pelan ini tidak merangkumi sebarang hilang upaya yang disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana kejadian berikut: i. Mencederakan diri sendiri atau sebarang percubaan ke arahnya sama ada semasa siuman atau tidak siuman. ii. Perkhidmatan tentera darat atau laut pada masa perang yang diisytiharkan atau tidak diisytiharkan ketika di bawah arahan berupa perang atau pemulihan pemerintahan awam. iii. Memasuki, mengendali atau berkhidmat, menaiki di dalam atau di atas, naik atau turun dari atau dengan mana-mana alat penerbangan udara kecuali semasa Yang Diinsuranskan berada di dalam pesawat yang dikendalikan oleh penerbangan penumpang komersial pada perjalanan penumpang berjadual biasa pada laluan penumpang yang diiktiraf. 6
7 Ilustrasi Premium & Faedah Jumlah Asas Diinsuranskan RM100,000 Maklumat lanjut mengenai Super Fortune Plan Zurich 1. Berapakah jumlah diinsuranskan minimum dan maksimum bagi pelan ini? Jumlah diinsuranskan minimum adalah RM25,000 manakala jumlah diinsuranskan maksimum adalah tertakluk kepada kelulusan taja jamin. 2. Bolehkah pemegang polisi membuat penukaran dari satu pelan ke pelan yang lain contohnya dari 10 tahun ke 20 tahun ketika tempoh polisi? Tidak. Kumpulkan kekayaan anda sekarang! Untuk maklumat dan bantuan lanjut mengenai Super Fortune Plan, sila hubungi Penasihat Jualan Zurich atau Pusat Panggilan Zurich di atau e-mel kami di Sekiranya terdapat kekeliruan, kekaburan dan konflik dalam pentafsiran mana-mana terma atau syarat, versi Bahasa Inggeris adalah terpakai dan mengatasi versi Bahasa Malaysia, Bahasa Cina dan Bahasa Tamil. 7
8 Super Fortune Plan 重要讯息... Zurich 的 Super Fortune Plan 保证为您提供 : 年付现金 期满回酬 伸缩性的保费缴付期 死亡及终身全然残废保障 优越的储蓄及保障人生是美好 充满欢乐及喜悦的 人生是要好好的去享受, 而无需忧虑您所控制不到的事情 您可以安心地处理孩子们的教育基金, 国外度假, 财富的累积及退休规划 Zurich 的 Super Fortune Plan 可以帮助您完成以上美好的人生经历 立即创造您的财富吧! 什么是 Super Fortune Plan? Zurich 的 Super Fortune Plan 是一个 或 20 年的定期限缴计划 它是根据签保年龄来决定 40 岁到 80 岁的期满年限 在保单第 10 个年份结束后, 它开始支付年付现金 (GACP) 而在期满时, 投保人将享有基本保额之 120% 的期满利益 谁适合这个保单? 这个保单适合 30 天至 55 岁的人士, 他們 : 需要一个结合储蓄和保障的保单 需要一个伸缩性的保费缴付期 需要一个保证年付现金, 期满回酬及优越的保障范围 利益受保证的年付现金 (GACP) 在保单第 10 个年份结束后,Super Fortune Plan 开始给予您基本保额之 4% 的 GACP 此外, 介于 21 岁至 55 岁间签保的投保人将在第 20 年结束后开始得到 6% 的 GACP 签保年龄期满年龄届满保单年份 GACP( 基本保额之 %) 第 10 年开始 4% 第 10 年到第 19 年第 20 年开始 4% 6% 您可选择提取现款或保留在公司裡以赚取利息 * * 现今利息为 4.5% 而且会随时调整 8
9 保证的期满回酬当您的 Super Fortune Plan 期满后, 您将享有基本保额之 120% 的期滿利益 伸缩性的保费缴付期您可选择最舒适的缴付期 Super Fortune Plan 提供 或 20 年的缴付期以配合您的财务能力 死亡 1 及终身全然残废 2 (TPD) 保障如果 60 岁前发生 TPD 或在保单有效期间去世, 您或您的挚爱将得到全额 (100%) 的投保额 附加的保障利益您可通过附加保单 (riders) 来扩大您的保障范围 我们有全面及完整的附加保单提供您选择 保证的保费在保单有效期间,Super Fortune Plan 的基本保费保证不变 您可选择每月 每季 每半年或常年缴付您的保费 1 保单缮发日或复保日 ( 视何者为后 ) 起之一 (1) 年内, 倘若发生自杀死亡, 无论受保人是神智正常或不正常, 本公司之责任则只限于免利息退还已支付之保费 ( 需扣除任何负债 ), 保单即告终止 2 此计划排除任何直接或间接, 经由下列事故导致之全然或部份残废 : i. 神智正常或不正常时自毁或任何的企图自我伤害 ii. 陆军或海军服务, 在已宣布或未经宣布的战争时受命参与侵略性行动或维持公众秩序之际 iii. 进入 操作或服务, 骑或乘搭, 借由任何升空装备或升高 / 下降的运输工具, 除非受保人当时正乘搭由商业客机公司所营运的飞机, 而且该班机为定期航班, 并依循已定下的航线 9
10 保费及利益的范例基本保额 : RM100,000 Zurich Super Fortune Plan 的详情 1. 此保单的最低和最高保额是多少? 最低保额为 RM25,000; 最高保额则需经过核保批准 2. 投保人可否在保单有效期间从某一保单改为另一保单, 例如 10 年改为 20 年? 不可以 今天就创造你的财富! 欲知更多有关 Super Fortune Plan 的详情及援助, 即日就请联系我们的 Zurich 行销顾问或拨电 联络 Zurich 客户服务中心或电邮至 callcentre@zurich.com.my 如在了解册子里任何条款或条件有任何的不相符 含糊与矛盾之处, 英语版本将取代国语 华语及淡米尔文版本成为最准确的参考资料 10
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14 Important notes This brochure is for illustrative purposes only. For further details of terms and conditions, please refer to the product disclosure sheet, sales illustration and policy contracts. A policy that is terminated within the first three (3) years will not have any guaranteed cash value. If the policy is terminated in the early years, you may get back less than the total premiums paid. In the event that the premium remains unpaid at the end of the grace period, the policy will lapse automatically. You should be certain that this plan meets your needs and that the premium payable under the policy is an amount you can afford. All premium and fees shown in this document may be subject to tax or other government levies. Nota penting Risalah ini adalah untuk tujuan ilustrasi sahaja. Untuk maklumat lanjut mengenai terma dan syarat, sila rujuk lembaran pendedahan produk, ilustrasi jualan dan kontrak polisi. Polisi yang ditamatkan dalam tempoh tiga (3) tahun pertama tidak mempunyai nilai tunai terjamin. Jika polisi ditamatkan pada tahun-tahun awal perlindungan, anda mungkin memperolehi jumlah yang kurang daripada jumlah premium yang dibayar. Sekiranya premium dibiarkan tidak dibayar pada akhir tempoh ihsan, polisi akan luput secara automatik. Anda perlu memastikan bahawa pelan ini memenuhi keperluan anda dan premium yang perlu dibayar di bawah polisi adalah jumlah yang mampu anda bayar. Semua premium dan yuran yang tertera di dalam dokumen ini mungkin tertakluk kepada cukai atau levi kerajaan yang lain. 重要备注 此小册子仅作为解说用途 欲知条款与条件的更多详情, 敬请参阅产品披露说明书 销售说明书与保单契约 如在首三 (3) 年终止保单, 那您的保单将没有受保证的现金价值 如果保单在早期的几年被终止, 您可能会取回较少的已缴总保费 如在宽限期终仍未缴付保费, 那保单将自动终止 您须确定此保单符合您的需求, 而此保单须缴付的保费是您所能负担的金额 此文件中所显示的所有保费和费用可能需要纳税或其他政府征税 14
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