What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right educati

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1 SUN EDUSMART Giving your child a head start in life.

2 What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right education savings plan like Sun EduSmart is vital. This unique non-participating endowment plan provides: Education Reward A lump sum payment will be awarded when the life assured completes the following: Exams UPSR / PSLE / equivalent Standard 6 exams SPM / SPVM / O-Level / equivalent Form 5 exams Amount 500 1,000 Education Booster Fund (EBF) EBF is a non-guaranteed additional amount of money that will be paid on top of the Guaranteed Maturity Benefit upon maturity, and is not available for withdrawal before maturity. It is an annual addition that will be pro-rated and credited at the end of each policy monthly anniversary according to the benchmark yield. Please refer to the sample illustration on the next page and Appendix A for more details. Guaranteed Maturity Benefit Sum assured; or Total premiums payable* whichever is higher. Life Insurance Benefit (Life Assured - Child) The following will be payable upon death or total & permanent disability (TPD): Sum assured; or Total premiums payable* whichever is higher, plus EBF. Policy Owner Waiver of Premium Benefit (Parent/ Legal Guardian) Should death or TPD befall the policy owner, the remaining premium payments will be waived and the policy will remain in force. Additional Tax Relief Tax relief under insurance premium for education benefit in addition to the usual tax relief for life insurance and Employees Provident Fund (EPF). * Shall include premium waived when policy status is under waiver of premium. Sample Illustration for Education Booster Fund (EBF) Policy owner s age : 30 years old Life assured s age : 1 year old Policy term : 20 years Sum assured : RM62,000 Monthly premium : RM Guaranteed maturity benefit (A) : RM62,000 Projected EBF: Scenario High Low End of Policy Year Benchmark Yield Annual Addition** Benchmark Yield Annual Addition** % 1, % 1, % 1, % 1, % 1, % % 1, % to % 1, % Projected total amount in EBF upon maturity (B) Total premiums payable Total projected maturity payout (A+B) 35, , , , , , Note: The first year s annual addition is calculated based on the benchmark yield as of 1 Jan Annual additions for the second year onwards are illustrations only and may vary based on the actual benchmark yield declared. Premium term & payment Regular premium to be payable throughout the policy term. The yearly, half-yearly, quarterly or monthly payment can be made by credit card, debit card or direct debit. Policy term From 6 to 20 years, subject to expiry age of life assured between 13 to 25 years old. Sum assured Easy enrolment with simple health questionnaires for sum assured ranging from RM50,000 to RM250,000. Full underwriting requirements shall apply for sum assured above RM250,000. ** Annual addition will be pro-rated and credited monthly to the EBF. Please refer to Appendix A for calculation of the monthly addition according to benchmark yield.

3 Eligibility (Age last birthday basis) Minimum age of entry Maximum age of entry Maximum expiry age Life Assured Policy Owner (Parent/Legal Guardian) 30 days old 18 years old 18 years old 55 years old 13 to 25 years old, depending on child s age at entry and policy term 75 years old Commissions The below illustrates the policy owner aged 30 years old, with a 20- year term and sum assured of RM62,000. Total monthly premiums payable per year = RM x 12 = RM2, Policy Year Commission borne by policy owner and paid from the premium Proportion of premium deduction for commissions (%) Actual Yearly Amount Production bonus (5% of the 1st year premium) and persistency bonus (10% of 2nd and 3rd year premium) are borne by the policy owner and paid from the premium. Exclusions (Note: This list is non-exhaustive. Please refer to the policy documents for further information on exclusions) Death benefit: Death benefit shall not be payable if the life assured commits suicide (while sane or insane) or dies due to a pre-existing condition within 12 months from the policy issue date or any later reinstatement date. TPD benefit: No benefit shall be payable if the TPD of the life assured results from the following: i) Acquired Immune Deficiency Syndrome (AIDS) or related complexes/conditions; ii) Self-inflicted injuries or suicide, while sane or insane; iii) Being under the influence of drugs or any narcotics or due to intoxication by liquor and/or illicit substances; iv) Air travel other than commercial flights; or v) A pre-existing condition within 12 months from the policy issue date or any later reinstatement date. Appendix A: Calculation of monthly addition Benchmark Yield Annual Addition Rate (per RM1,000 Sum Assured) Term Term Benchmark Yield Annual Addition Rate (per RM1,000 Sum Assured) Term Term <2% % % % % % % % % % % % % % % % % % Any subsequent increase in the annual addition rate will be in similar magnitude i.e. an increase of RM6 per RM1,000 sum assured for every 1.00% increase in the benchmark yield above 6.00% for policy term years and RM7 per RM1,000 sum assured for policy term years. Referring to the sample illustration for EBF, if the benchmark yield is 4.00% for the year, the annual addition rate will be RM18 per RM1,000 sum assured.

4 Monthly addition = Annual addition rate Sum assured 12 1,000 = , ,000 = RM93.00 The basis of declaration for the annual addition rate will be set by Sun Life Malaysia according to the benchmark yield as per Appendix A at the beginning of each calendar year. The benchmark yield is the average of the Consolidated Indicative Yield to Maturity (IYTM) for the Government Securities (Conventional) MGS 10 Years Rate*** as at the last business day of the 3 most recent calendar years, rounded up to the nearest 0.25%. Important notes 1) This is a product brochure and not a policy document. Please refer to the Sales Illustration and Product Disclosure Sheet for more information on the plan as well as the policy document for the complete terms and conditions of this plan. The information contained in this brochure may be changed without prior notice. 2) Premium rates are guaranteed throughout the policy term. 3) Juvenile lien applies to life assured aged 4 and below. 4) The policy shall not have a guaranteed cash value on termination until after the policy has been in force and premiums have been paid for 36 months. 5) You should be satisfied that this plan will best serve your needs and ensure that the premium payable under this plan is an amount that you can afford. 6) You may cancel your policy within 15 days of its delivery and the premium that you have paid less any expenses incurred for any medical underwriting required will be refunded. 7) If you terminate your policy in the early years, you may get back less than the amount that you have paid. 8) The premium amount paid is allowed as an income tax deduction subject to the Inland Revenue Board. 9) All taxes, including without limitation any goods and services tax, and/or other forms of sales or consumption tax, whether currently in force or implemented after the date of the policy will be charged in accordance with the applicable legislation at the prevailing rate. Where necessary, Sun Life Malaysia will amend the terms of the policy to take into account any such tax. 10) This plan is underwritten by Sun Life Malaysia Assurance Berhad ( U), an insurer registered with Bank Negara Malaysia under the Financial Services Act ) This plan is distributed by CIMB Bank Berhad (13491-P) and is located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut, Kuala Lumpur, Malaysia. For more information, log on to call or visit any of our CIMB Bank branches nationwide. Connect with us on: CIMB Malaysia CIMB_Assists Underwritten by Sun Life Malaysia Assurance Berhad ( U) Level 11, 338 Jalan Tuanku Abdul Rahman Kuala Lumpur, Malaysia Telephone (603) Facsimile (603) Customer Careline sunlifemalaysia.com A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd *** Source: Bank Negara Malaysia CIMB Bank Berhad (13491-P)

5 Apa itu Sun EduSmart? Sebagai ibu bapa, salah satu hadiah terhebat yang boleh diberikan kepada anak anda adalah pendidikan yang baik. Kerana itulah perancangan awal melalui pelan simpanan pendidikan yang tepat seperti Sun EduSmart sangat penting. Pelan endowmen tanpa penyertaan yang unik ini menyediakan: Anugerah Pendidikan Bayaran sekaligus akan diberikan apabila orang yang diinsuranskan melengkapkan yang berikut: Peperiksaan Amaun UPSR / PSLE / peperiksaan 500 Darjah 6 yang sepadan SPM / SPVM / O-Level / peperiksaan Tingkatan 5 1,000 yang sepadan Dana Education Booster (Education Booster Fund, EBF) EBF adalah amaun wang tambahan tidak terjamin yang akan dibayar selain daripada Manfaat Matang Terjamin apabila polisi matang, dan tidak dapat dikeluarkan sebelum polisi matang. Ia adalah tambahan tahunan yang akan dikira secara pro-rata dan dikreditkan pada akhir setiap ulangtahun bulanan polisi mengikut kadar tanda aras. Sila rujuk contoh ilustrasi di muka surat seterusnya serta Lampiran A untuk butiran lanjut. Manfaat Matang Terjamin Jumlah yang diinsuranskan; atau Jumlah premium yang perlu dibayar* yang mana lebih tinggi. Manfaat Insurans Hayat (Orang yang Diinsuranskan - Anak) Yang berikut akan dibayar apabila kematian atau hilang upaya menyeluruh & kekal (TPD) berlaku: Jumlah yang diinsuranskan; atau Jumlah premium yang perlu dibayar* yang mana lebih tinggi, ditambah EBF. Manfaat Pengecualian Pembayaran Premium Pemilik Polisi (Ibu Bapa/Penjaga yang Sah) Sekiranya kematian atau TPD menimpa pemilik polisi, baki bayaran premium akan dikecualikan dan polisi akan kekal berkuatkuasa. Pelepasan Cukai Tambahan Pelepasan cukai di bawah premium insurans untuk manfaat pendidikan sebagai tambahan kepada pelepasan cukai biasa untuk insurans hayat dan Kumpulan Wang Simpanan Pekerja (KWSP). * Termasuk premium yang dikecualikan apabila status polisi adalah di bawah pengecualian premium. Contoh Ilustrasi Dana Education Booster (EBF) Umur pemilik polisi : 30 tahun Umur orang yang diinsuranskan : 1 tahun Tempoh polisi : 20 tahun Jumlah yang diinsuranskan : RM62,000 Premium bulanan : RM Manfaat matang terjamin (A) : RM62,000 Unjuran EBF: Senario Tinggi Rendah Akhir Tahun Polisi Kadar Tanda Aras Tambahan Tahunan** Kadar Tanda Aras Tambahan Tahunan** % 1, % 1, % 1, % 1, % 1, % % 1, % hingga % 1, % Unjuran jumlah amaun dalam EBF apabila 35, , matang (B) Jumlah premium perlu dibayar 59, , Jumlah unjuran pembayaran kematangan (A+B) 97, , Nota: Tambahan tahunan untuk tahun pertama adalah dikira mengikut kadar tanda aras pada 1 Jan Tambahan tahunan untuk tahun kedua dan seterusnya adalah untuk tujuan ilustrasi sahaja dan mungkin berlainan berdasarkan kadar tanda aras sebenar yang diumumkan. Tempoh dan bayaran premium Premium berkala perlu dibayar sepanjang tempoh polisi. Bayaran tahunan, setengah tahunan, suku tahunan atau bulanan boleh dibuat menggunakan kad kredit, kad debit atau debit terus. Tempoh polisi Dari 6 hingga 20 tahun, tertakluk kepada umur tamat orang yang diinsuranskan antara 13 hingga 25 tahun. Jumlah yang diinsuranskan Pendaftaran mudah dengan soal selidik kesihatan yang ringkas untuk jumlah yang diinsuranskan antara RM50,000 hingga RM250,000. Keperluan pengunderaitan lengkap akan dikenakan untuk jumlah yang diinsuranskan melebihi RM250,000. ** Tambahan bulanan akan dikira secara pro-rata dan dikreditkan ke dalam EBF secara bulanan. Sila rujuk Lampiran A untuk pengiraan tambahan bulanan mengikut kadar tanda aras.

6 Kelayakan (Berdasarkan umur pada hari jadi terakhir) Umur kemasukan minimum Umur kemasukan maksimum Umur tamat maksimum Orang yang Diinsuranskan Pemilik Polisi (Ibu Bapa/Penjaga yang Sah) 30 hari 18 tahun 18 tahun 55 tahun 13 hingga 25 tahun, berdasarkan umur anak sewaktu kemasukan dan tempoh polisi 75 tahun Komisen Berikut mengilustrasikan pemilik polisi berumur 30 tahun, dengan tempoh 20 tahun dan jumlah yang diinsuranskan sebanyak RM62,000. Jumlah premium bulanan yang perlu dibayar setiap tahun = RM x 12 = RM2, Tahun Polisi Komisen yang ditanggung oleh pemilik polisi dan dibayar daripada premium Bahagian premium yang ditolak untuk komisen (%) Jumlah Sebenar Tahunan Bonus prestasi (5% daripada premium tahun pertama) dan bonus persistensi (10% daripada premium tahun ke-2 dan ke-3) ditanggung oleh pemilik polisi dan dibayar daripada premium. Pengecualian-pengecualian (Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada dokumendokumen polisi untuk maklumat lanjut mengenai pengecualianpengecualian) Manfaat Kematian: Manfaat kematian tidak akan dibayar sekiranya orang yang diinsuranskan membunuh diri (sama ada waras atau tidak waras) atau meninggal dunia akibat keadaan sedia ada, dalam tempoh 12 bulan dari tarikh polisi dikeluarkan atau mana-mana tarikh pengembalian semula yang terkemudian. Manfaat TPD: Tiada manfaat akan dibayar sekiranya TPD orang yang diinsuranskan adalah disebabkan oleh: i) Sindrom Kurang Tahan Penyakit (AIDS) atau keadaan/komplikasi berkaitan; ii) Mencederakan diri sendiri atau bunuh diri, sama ada waras atau tidak waras; iii) Berada di bawah pengaruh dadah atau sebarang narkotik atau disebabkan oleh minuman keras dan/atau bahan-bahan haram; iv) Perjalanan melalui udara selain daripada penerbangan komersial; atau v) Keadaan sedia ada dalam masa 12 bulan dari tarikh polisi dikeluarkan atau tarikh pengembalian semula polisi yang terkemudian. Lampiran A: Pengiraan tambahan bulanan Kadar Tanda Aras Kadar Tambahan Tahunan (setiap RM1,000 Jumlah yang Diinsuranskan) Tempoh Tempoh Kadar Tanda Aras Kadar Tambahan Tahunan (setiap RM1,000 Jumlah yang Diinsuranskan) Tempoh Tempoh <2% % % % % % % % % % % % % % % % % % Sebarang kadar tambahan yang seterusnya akan bertambah dalam magnitud yang setara i.e. penambahan sebanyak RM6 bagi setiap RM1,000 jumlah yang diinsuranskan bagi setiap 1% peningkatan dalam kadar tanda aras yang melebihi 6.00% untuk tempoh polisi 6-12 tahun dan penambahan sebanyak RM7 bagi setiap RM1,000 jumlah yang diinsuranskan untuk tempoh polisi tahun.

7 Merujuk kepada contoh ilustrasi untuk EBF, jika kadar tanda aras adalah 4.00% untuk tahun tersebut, kadar tambahan tahunan adalah RM18 bagi setiap RM1,000 jumlah yang diinsuranskan. Tambahan bulanan = Kadar tambahan tahunan Jumlah yang diinsuranskan 12 1,000 = , ,000 = RM93.00 Asas perakuan untuk kadar tambahan tahunan akan ditentukan oleh Sun Life Malaysia mengikut Kadar Tanda Aras seperti Lampiran A pada permulaan setiap tahun kalendar. Kadar Tanda Aras adalah kadar purata Consolidated Indicative Yield to Maturity (IYTM) bagi Government Securities (Conventional) MGS 10 tahun*** pada hari penutupan untuk perniagaan terakhir bagi 3 tahun kebelakangan, dibundarkan atas kepada 0.25% terdekat. Nota-nota penting 1) Ini adalah risalah produk dan bukan dokumen polisi. Sila rujuk kepada Ilustrasi Jualan dan Dokumen Keterangan Produk untuk maklumat lanjut mengenai pelan dan juga dokumen polisi untuk terma-terma dan syarat-syarat lengkap di bawah pelan ini. Maklumat yang terkandung dalam risalah ini mungkin akan dipinda tanpa notis awal. 2) Kadar premium adalah dijamin sepanjang tempoh polisi. 3) Lien juvenil dikenakan ke atas orang yang diinsuranskan yang berumur 4 tahun dan ke bawah. 4) Polisi ini tidak akan mempunyai nilai tunai terjamin pada penamatan sehingga polisi ini telah berkuatkuasa dan premium telah dibayar selama 36 bulan. 5) Anda seharusnya berpuas hati bahawa pelan ini memenuhi keperluan anda dengan sebaiknya dan memastikan bahawa premium yang perlu dibayar di bawah pelan ini adalah amaun yang anda mampu bayar. 6) Anda boleh membatalkan polisi anda dalam tempoh 15 hari selepas ia dihantar dan premium yang telah anda bayar ditolak sebarang perbelanjaan yang ditanggung untuk sebarang pengunderaitan perubatan yang diperlukan akan dikembalikan. 7) Sekiranya anda membatalkan polisi anda sebelum kematangan, anda mungkin mendapat balik amaun yang kurang daripada jumlah yang telah anda bayar. 8) Amaun premium yang dibayar boleh dituntut sebagai pelepasan cukai pendapatan, tertakluk kepada Lembaga Hasil Dalam Negeri. 9) Semua cukai, termasuk tetapi tidak terhad kepada sebarang cukai barangan dan perkhidmatan, dan/atau lain-lain bentuk cukai jualan atau kepenggunaan, sama ada yang berkuatkuasa pada masa ini atau dilaksanakan selepas tarikh polisi akan dikenakan mengikut undang-undang yang berkenaan pada kadar semasa. Jika perlu, Sun Life Malaysia akan meminda terma-terma polisi untuk mengambil kira cukai-cukai sedemikian. 10) Pelan ini ditaja jamin oleh Sun Life Malaysia Assurance Berhad ( U), penanggung insurans yang berdaftar dengan Bank Negara Malaysia di bawah Akta Perkhidmatan Kewangan ) Pelan ini diedarkan oleh CIMB Bank Berhad (13491-P) dan berpejabat di Menara Bumiputra-Commerce, 11, Jalan Raja Laut, Kuala Lumpur, Malaysia. Untuk maklumat lanjut, layari hubungi atau kunjungi mana-mana cawangan CIMB Bank di seluruh negara. Berhubunglah dengan kami di: CIMB Malaysia CIMB_Assists Ditaja jamin oleh Sun Life Malaysia Assurance Berhad ( U) Aras 11, 338 Jalan Tuanku Abdul Rahman Kuala Lumpur, Malaysia Telefon (603) Faksimili (603) Talian Khidmat Pelanggan Careline sunlifemalaysia.com Usahasama di antara Sun Life Assurance Company of Canada dan Renggis Ventures Sdn Bhd *** Sumber: Bank Negara Malaysia CIMB Bank Berhad (13491-P)

8 什麼是 Sun EduSmart? 教育乃是父母送給子女的最佳禮物 因此, 選擇一份適合的教育儲蓄保單如 Sun EduSmart 將是明智之舉 這獨特的非分紅儲蓄保單提供 : 教育獎勵當受保人完成以下考試將獲得一筆獎勵金 : 考試數額 UPSR / PSLE / 相等於小六 500 的考試 SPM / SPVM / O- 水準 / 1,000 相等於中五的考試 教育助推基金 (Education Booster Fund, EBF) 當保單期滿時, 除了保證期滿利益之外也將提供一筆不受保證的額外 EBF 款項 此款項將根據基準收益率, 在每個保單月結束時按比例給付的年度增額, 並只在保證期滿后才能提取 預知詳情請參閱下一頁的案例及附錄 A 保證期滿利益投保額 ; 或應繳交的保費總額 * 視何者為高 壽險利益 ( 受保人 - 兒女 ) 以下將在不幸死亡或完全及永久殘障 (TPD) 時支付 : 投保額 ; 或應繳交的保費總額 * 視何者為高, 再加上 EBF 保單持有人保費豁免利益 ( 父母 / 法定監護人 ) 若保單持有人不幸死亡或完全及永久殘障, 所須繳付的保費將被豁免且保單仍然維持生效 額外稅務減免除了壽險與僱員公積金可享有的稅務減免之外, 教育保險保費也在教育福利下享有稅務減免 * 包括當保單已進入保費豁免的狀態下, 而無須繳交的保費數額 教育助推基金 (EBF) 案例 保單持有人年齡 : 30 歲 受保人年齡 : 1 歲 保單期限 : 20 年 投保額 : RM62,000 月保費 : RM 保證期滿利益 (A) : RM62,000 所預計的 EBF: 情況高低 保單年末 基準收益率 年度贈額 ** 基準收益率 年度贈額 ** % 1, % 1, % 1, % 1, % 1, % % 1, % 至 % 1, % 期滿時 EBF 的預計總額 (B) 須繳付的總保費 預計期滿給付總額 (A+B) 35, , , , , , 注 : 第一年的年度增額將根據 2015 年 1 月 1 日的基準收益率計算 第二年以及之後每一年的年度增額僅為範例, 並將因所宣佈的實際基準收益率而有所不同 保費繳付期及付款方式保費須在保單期限內定期繳交至期滿為止 保費可通過信用卡 轉賬卡或自動轉帳等方式, 按年 半年 按季或按月繳付 保單期限由 6 至 20 年, 只要保單屆滿日落在受保人 13 歲至 25 歲年間即可 投保額投保額介於 RM50,000 至 RM250,000, 只需通過簡單的健康問卷即輕鬆投保 若投保額超過 RM250,000 則需通過全面的核保要求 ** 年度增額將按比例每月進賬至 EBF 請參考附錄 A 根據基準收益率計算的月增額

9 投保資格 ( 依據上一個生日年齡 ) 受保人 保單持有人 ( 父母 / 法定監護人 ) 最低投保年齡 30 天 18 歲 最高投保年齡 18 歲 55 歲 最高期滿年齡 13 至 25 歲, 視孩子在投保時的年齡及保單期限而定 75 歲 傭金以下案例以一位 30 歲的保單持有人, 投保一份 20 年保單期限,RM62,000 投保額的保單為依據 常年每月保費的總額 = RM x 12 = RM2, 保單年 傭金由保單持有人承擔並從保費中提取 用以支付傭金的所扣保費比率 (%) 每年實際數額 業績花紅 ( 首年保費的 5%) 和續保花紅 ( 第二和第三年保費的 10%) 由保單持有人承擔並從保費中提取 不受保事項 ( 注 : 以下不受保項目未盡詳述, 請參閱保單文件以獲知詳細的不受保情況 ) 死亡利益 : 若受保人在保單發出日或復效日 ( 視何者為後 ) 算起的 12 個月內因現有狀況或自殺 ( 無論神智清醒或精神失常 ) 而死亡, 死亡利益將不理賠 完全及永久殘障利益 : 如果因為以下原因造成受保人完全及永久殘障, 完全及永久殘障利益將不理賠 : i) 獲得性免疫缺陷綜合症 ( 愛滋病 ) 或相關綜合症 / 症狀 ; ii) 在神智清醒或精神失常的狀態下自殘而受傷或自殺 ; iii) 受到毒品或任何麻醉藥品影響或因酒精及 / 或非法物品而中毒 ; iv) 除了商業航空之外的空中飛行 ; 或 v) 從保單發出日或任何之後的復效日算起的 12 個月內的現有狀況 附錄 A: 按月增額計算法 基準收益率 年度贈額率 ( 每 RM1,000 投保額 ) 保單期限 保單期限 基準收益率 年度贈額率 ( 每 RM1,000 投保額 ) 保單期限 保單期限 <2% % % % % % % % % % % % % % % % % % 年度增額率的任何後續增幅大致相似 例如, 對於保單期限介於 6-12 年並超過 6% 的基準收益率每增加 1.00%, 則每 RM1,000 保額將增加 RM6; 而保單期限介於 13 至 20 年, 則每 RM1,000 保額將增加 RM7 依據以上 EBF 的例子, 若那年的基準收益率為 4.00%,RM1,000 投保額的年度贈額率將為 RM18

10 年度贈額率 投保額按月贈額 = 12 1,000 = , ,000 = RM93.00 Sun Life Malaysia 將在每個歷年開始時, 根據附錄 A 的基準收益率聲明年度增額率 基準收益率是最近三個歷年之最後一個工作日 Consolidated Indicative Yield to Maturity (IYTM) 的 Government Securities (Conventional) MGS 10 Years*** 的收益率的平均, 並進位至最接近的 0.25% 重要注釋 1) 這是產品簡介手冊, 並非保單合約文件 請參閱利益說明和產品披露說明以獲知更多有關此保單和合約文件的詳細資訊, 進而全面瞭解這項保單完整的條款與條件 本冊子所含的資料可在無預先通知的情況下被修改 2) 保費率將在保單期限內保證維持不變 欲知更多詳情, 請瀏覽 致電 或親臨我們遍佈全國的任何 CIMB Bank 分行洽詢 請登錄此網站與我們聯繫 : CIMB Malaysia CIMB_Assists 承保公司 Sun Life Malaysia Assurance Berhad ( U) Level 11, 338 Jalan Tuanku Abdul Rahman Kuala Lumpur, Malaysia 電話 :(603) 傳真 :(603) 客戶熱線 : sunlifemalaysia.com 由 Sun Life Assurance Company of Canada 和 Renggis Ventures Sdn Bhd 合作成立的聯營公司 3) 未成年留置權適用於 4 歲及以下的受保人 4) 保單將在已經生效至少 36 個月並已繳付了相關保費後, 才會累積保證現金價值 5) 您必須確認此保單符合您的需求, 而保單所須繳付的保費也在您所能負擔的範圍內 6) 您可在交付保單的 15 天內取消保單, 而您已繳付的保費將在扣減任何醫療核保所需的相關開支後退還給您 7) 若在保單生效初期斷保, 您可取回的數額可能會比已繳保費來得低 8) 已繳付的保費數額可按照內陸稅收局的稅收條例而扣除所得稅 9) 所有稅費, 包括但不限於任何消費稅, 和 / 或其他形式的銷售或消費徵稅, 不論目前經已實施, 或在保單生效日期之後才實施, 將一律依據法定稅率進行收費 如有必要, Sun Life Malaysia 將修改保單條款, 以納入任何相關稅收項目 10) 這項保單是由 Sun Life Malaysia Assurance Berhad ( U) 承保, 這是一家根據 2013 年金融服務法令向馬來西亞國家銀行註冊成立的保險公司 11) 此保單是由聯昌銀行 (CIMB Bank Berhad) (13491-P) 所銷售, 地址為 : Menara Bumiputra-Commerce, 11, Jalan Raja Laut, Kuala Lumpur, Malaysia. *** 資料來源 : 馬來西亞國家銀行 CIMB Bank Berhad (13491-P)

11 SUN EDUSMART Permulaan terbaik untuk yang tersayang. 讓您的孩子贏在起跑點

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