I am my wife s protector I am my parents pillar I am my child s role model I am my business s guardian I am my staff s employer Many people depend on

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1 Build a legacy for your family Bina satu legasi untuk keluarga anda 为您的家人建立一份遗产 Allianz Life Insurance Malaysia Berhad ( X)

2 I am my wife s protector I am my parents pillar I am my child s role model I am my business s guardian I am my staff s employer Many people depend on me. I need to build a legacy. I am 40 years old. How much do I need to save monthly to reach a legacy of RM2,000,000 **? What if something happens to me before I reach my target of RM2,000,000 **? 2 3

3 With only RM1,000 * a month, helps me build a legacy of RM2,000,000 ** today. Top 4 reasons why your legacy should start with Allianz Jumpstart your legacy building with affordable premiums Coverage up to RM4 million Sum Assured for TPD Coverage up to 100 years old *** (Death benefit only) Various payment modes to suit your lifestyle * The premium quoted for RM2,000,000 basic sum assured is based on a 40 year-old non-smoker male profile. Policy sustainability depends on the performances of investment-linked funds, insurance charges and timeliness of premiums paid. **RM2,000,000 plus account value (if any) will be payable to the Life Assured in the event of death during the coverage period. *** Premium top-ups may be required to ensure sustainability of your policy. The Features Jumpstart your legacy building with affordable premiums Building a legacy may not necessarily come at a high cost. With affordable premiums on a monthly basis,, a regular premium investmentlinked insurance plan, lets you jumpstart your very own legacy with a minimum sum assured of RM500,000. This plan makes legacy building an immediate reality. Coverage up to RM4 million Sum Assured for Total and Permanent Disability (TPD) This plan provides insurance coverage for TPD with amount of coverage similar to the basic sum assured, and up to maximum of RM4 million sum assured per life, before the life assured attains the age of sixty five (65) years old. Coverage up to 100 years old Adopting a healthier lifestyle could extend longevity. provides insurance coverage up to 100 years old by paying sum assured plus account value (if any) upon death. This is peace of mind in essence. Premium top-ups may be required to ensure sustainability of your policy. Various payment modes to suit your lifestyle You can start building your legacy by choosing to pay your premiums monthly, quarterly, half-yearly or on a yearly basis, whichever payment mode that suits your affordability and lifestyle best. 4 5

4 Premium allocation Depending on your age, the premiums and the basic sum assured, the premiums that you pay may be split into investment premium and insurance premium. The allocation for your insurance premium is as per the illustration below (based on annual premium of RM10,000) and will be allocated into the Allianz Life investmentlinked funds of your choice: Policy Year Insurance Premium Paid Allocation Rate for Insurance Premium 1 RM10,000 45% RM4,500 2 RM10,000 45% RM4,500 3 RM10,000 65% RM6,500 Other benefits Balance in investment account (if any) is payable upon surrender or policy maturity. Flexibility to change amount of protection and investment by changing the sum assured with or without changing your premium amount. Topping up on your premium as and when you like to maximize your investment value, where 95% of the amount will be allocated for investment (minimum top up is RM500). Switch between the funds as and when you like. Partial withdrawal of account value when necessary. 4 RM10,000 75% RM7,500 5 RM10,000 80% RM8,000 6 RM10,000 90% RM9, RM10, % RM10, & above RM10, % RM10,100 95% of your investment premium, if any, will be allocated into the Allianz Life investment-linked funds of your choice. Please refer to the investment-linked fund fact sheet for the details of Allianz Life investment-linked funds. This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. Charges All charges except for the fund management charge are levied through deducting units from your investment account. These include charges for the basic life insurance cover and other optional benefits such as waiver of premium. The amount to be charged for providing the insurance cover and optional benefits will depend on the amount and type of insurance cover chosen, as well as other factors such as age, sex, smoker status, etc. Monthly Service Charge RM7.42 (inclusive of GST) per month Fund Management Charge 0.75% % per annum Top-up Charge RM26.50 (inclusive of GST) per request Switching Five (5) free switches per policy year and RM10.60 (inclusive of GST) for any subsequent switch 6 7

5 Important Notes 1. This brochure is for illustration purposes only and the information included is neither comprehensive nor exhaustive. You need to refer to the Product Disclosure Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI can be obtained from your servicing agent. 2. We have the right to revise the rates, charges, fee, penalties, terms and conditions. You will be informed in writing of the revision at least three (3) months before renewal. 3. You should satisfy yourself that this plan would best serve your needs, and that the premium payable under the policy is an amount you can afford. Buying a life insurance is a long-term commitment and it is not advisable to hold this policy for a short period in view of the high initial costs. 7. You will then be given a grace period of thirty one (31) days to pay your premium, during which the policy will remain in force. However, the policy shall lapse at the end of the grace period if any insurance and other charges shall remain unpaid at the end of the grace period. As such, it is advisable to pay the premium for your policy on time. 8. Following the effective implementation of Goods and Services Tax (GST), We will charge the relevant GST amount at 6% or at the prevailing rate on the applicable portion of your insurance premium/fee/charges for the applicable period of insurance coverage from the GST effective date onwards in accordance to the statutory requirement of GST. 4. A free look period of fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, will be given from the receipt date of the policy for you to review its suitability and should you choose to return the policy within the period, the amount to be refunded shall follow the terms and conditions in the policy contract. 5. In cases where the purchase involves a premium of sizable amount, the prospect should consider purchasing single premium investment-linked policy rather than an annual premium policy as it offers better allocation rates for investments. 6. In the event of non-payment of premium on the due date, your policy shall be kept in force by effecting a premium holiday. However, there would be a possibility of the policy lapsing if the account value is insufficient to pay for all the policy charges due. 8 9

6 Saya pelindung isteri saya Saya tunggak ibu bapa saya Saya contoh teladan anak saya Saya penjaga perniagaan saya Saya majikan kakitangan saya Ramai orang bergantung kepada saya. Saya perlu membina satu legasi. Saya berumur 40 tahun. Berapa banyak yang perlu saya simpan setiap bulan untuk mencapai satu legasi yang bernilai RM2,000,000 **? Apakah yang akan berlaku jika saya dilanda sesuatu perkara yang tidak dijangka sebelum saya mencapai target simpanan sebanyak RM2,000,000 **? 10 11

7 Hanya dengan RM1,000 * sebulan, membantu saya untuk membina satu legasi sebanyak RM2,000,000 ** hari ini. 4 sebab utama untuk memulakan pembinaan legasi anda dengan Allianz Mula membina legasi anda dengan premium yang berpatutan Perlindungan sehingga RM4 juta untuk Hilang Upaya Menyeluruh dan Kekal Perlindungan sehingga usia 100 tahun *** (Faedah Kematian sahaja) Pelbagai cara pembayaran premium yang sesuai dengan gaya hidup anda * Premium yang dinyatakan untuk jumlah asas yang diinsuranskan sebanyak RM2,000,000 adalah berdasarkan kepada profil seseorang lelaki yang berusia 40 tahun dan tidak merokok. Penerusan polisi tertakluk kepada prestasi dana-dana berkaitan pelaburan, caj insurans dan bayaran premium pada masa yang tepat. **RM2,000,000 dan nilai akaun (jika ada) akan dibayar kepada Orang yang Diinsuranskan atas kematian dalam tempoh perlindungan. *** Penambahan premium mungkin diperlukan untuk memastikan penerusan polisi anda. Ciri-ciri Mula membina legasi anda dengan jumlah premium yang berpatutan Membina satu legasi tidak semestinya memerlukan kos yang tinggi. Dengan premium yang berpatutan setiap bulan,, satu pelan berkaitan pelaburan yang berpremium tetap, membantu anda untuk memulakan pembinaan legasi anda dengan Jumlah yang Diinsuranskan minimum sebanyak RM500,000. Dengan pelan ini, hasrat pembinaan legasi menjadi kenyataan serta-merta. Perlindungan sehingga RM4 juta untuk Faedah Hilang Upaya Menyeluruh Dan Kekal Pelan ini menyediakan perlindungan insurans untuk hilang upaya menyeluruh dan kekal dengan jumlah perlindungan yang bersamaan dengan jumlah asas yang diinsuranskan sehingga RM4 juta bagi seseorang Orang yang Diinsuranskan sebelum mencapai usia enam puluh lima (65) tahun. Perlindungan sehingga usia 100 tahun Mengamalkan gaya hidup yang lebih sihat boleh melanjutkan usia anda. menyediakan perlindungan insurans sehingga usia seratus (100) tahun dengan membayar jumlah yang diinsuranskan dan nilai akaun (jika ada) atas kematian. Inilah ketenangan fikiran pada dasarnya. Penambahan premium mungkin diperlukan untuk memastikan penerusan polisi anda. Pelbagai cara pembayaraan premium yang sesuai dengan gaya hidup anda Anda boleh memulakan pembinaan legasi anda dengan membayar premium secara bulanan, suku tahunan, setengah tahunan atau tahunan, yang mana sesuai dengan kemampuan dan gaya hidup anda

8 Peruntukan Premium Bergantung kepada usia anda, amaun premium dan jumlah asas yang diinsuranskan, premium yang anda bayar akan dibahagikan kepada premium pelaburan dan premium insurans. Peruntukan untuk premium insurans anda adalah seperti yang diilustrasikan di bawah (berdasarkan premium tahunan sebanyak RM10,000) dan ia akan diperuntukkan ke dalam dana-dana berkaitan pelaburan Allianz Life yang anda pilih. Tahun Polisi Premium Insurans yang Dibayar Kadar Peruntukan untuk Premium Insurans 1 RM10,000 45% RM4,500 2 RM10,000 45% RM4,500 3 RM10,000 65% RM6,500 Faedah-faedah Lain Baki dalam akaun pelaburan (jika ada) akan dibayar ketika penyerahan atau kematangan polisi. Fleksibiliti untuk mengubah amaun perlindungan dan pelaburan dengan mengubah jumlah yang diinsuranskan dengan atau tanpa pengubahan amaun premium. Anda boleh menambah premium anda pada bila-bila masa untuk memaksimumkan nilai pelaburan anda, di mana 95% daripada amaun tersebut akan digunakan untuk pelaburan (nilai tambahan minimum ialah RM500). Penukaran di antara dana-dana boleh dibuat pada bila-bila masa mengikut kesukaan anda. Jika perlu, anda boleh membuat pengeluaran sebahagian dari nilai akaun. 4 RM10,000 75% RM7,500 5 RM10,000 80% RM8,000 6 RM10,000 90% RM9, RM10, % RM10, & ke atas RM10, % RM10,100 95% daripada premium pelaburan, jika ada, akan diperuntukkan ke dalam dana-dana berkaitan pelaburan Allianz Life yang anda pilih. Sila rujuk kepada Lembaran Pendedahan dana berkaitan pelaburan untuk butiran lanjutan berkenaan dana-dana berkaitan pelaburan Allianz Life. Ini adalah satu produk insurans yang dikaitkan dengan prestasi asset asas, dan bukan produk pelaburan tulen seperti unit amanah. Caj-caj Semua caj kecuali caj pengurusan dana akan ditolak melalui pemotongan unit dari akaun pelaburan anda. Ini termasuk caj untuk perlindungan asas insurans hayat dan faedah-faedah pilihan yang ditambahkan seperti faedah pengecualian premium. Jumlah caj untuk perlindungan insurans dan faedah-faedah pilihan akan bergantung kepada amaun dan jenis perlindungan insurans yang dipilih dan juga unsur-unsur lain seperti usia, jantina, samada perokok atau tidak dan lain-lain. Caj Perkhidmatan Bulanan Caj Pengurusan Dana Caj Tambahan Nilai Caj Pertukaran Dana RM7.42 (termasuk GST) sebulan 0.75% 1.50% setahun RM26.50 (termasuk GST) setiap permohonan Lima (5) pertukaran percuma untuk setiap tahun polisi dan RM10.60 (termasuk GST) untuk setiap pertukaran yang berikutnya 14 15

9 Nota Penting 1. Risalah ini adalah untuk tujuan ilustrasi sahaja dan informasi yang diberikan adalah tidak lengkap dan tidak menyeluruh. Anda perlu merujuk kepada Lembaran Pendedahan Produk dan Ilustrasi Jualan untuk maklumat yang lebih terperinci. Kedua-dua Lembaran Pendedahan Produk dan Ilustrasi Jualan boleh didapatkan daripada ejen perkhidmatan anda. 2. Kami berhak mengubah kadar, caj, yuran, penalti, terma dan syarat. Anda akan dimaklumkan secara bertulis tentang perubahan tersebut sekurang-kurangnya tiga (3) bulan sebelum pembaharuan polisi. 3. Anda harus memastikan bahawa pelan ini akan memenuhi keperluan anda dan anda mampu membayar premium untuk pelan ini. Membeli insurans hayat adalah satu tanggungan jangka masa panjang dan anda dinasihatkan supaya tidak memegang polisi ini untuk jangka masa yang pendek memandangkan kos permulaan yang tinggi. 7. Anda akan diberi tempoh penangguhan selama tiga puluh satu (31) hari untuk menjelaskan premium anda, di mana polisi tersebut tetap berkuatkuasa dalam tempoh berkenaan. Namun demikian, polisi tersebut akan luput selepas tamat tempoh penangguhan jika sebarang caj insurans dan caj-caj lain masih tidak dijelaskan pada akhir tempoh penangguhan. Oleh sebab itu, anda dinasihatkan supaya membayar premium untuk polisi anda tepat pada masanya. 8. Berikutan penguatkuasaan Cukai Barangan dan Perkhidmatan (GST), Kami akan mengenakan GST pada kadar 6% atau pada kadar semasa ke atas bahagian premium/yuran/caj insurans anda yang berkenaan untuk tempoh perlindungan insurans yang berkenaan, yang meliputi tarikh perlaksanaan GST, selaras dengan keperluan perundangan GST. 4. Tempoh percubaan selama lima belas (15) hari atau tempoh yang lebih lama sebagaimana yang mungkin ditentukan oleh Bank Negara Malaysia, dari tarikh penerimaan polisi ini oleh anda, akan diberikan supaya anda boleh mempertimbangkan kesesuaian polisi dan sekiranya anda memilih untuk memulangkan polisi dalam tempoh tersebut, jumlah yang dikembalikan akan berdasarkan terma dan syarat yang dinyatakan dalam kontrak polisi. 5. Untuk kes di mana pembelian melibatkan jumlah premium yang tinggi, prospek tersebut harus mempertimbangkan untuk membeli polisi premium tunggal berkaitan pelaburan dan bukan polisi premium tahunan kerana ia memberi kadar peruntukan yang lebih baik untuk pelaburan. 6. Sekiranya premium tidak dijelaskan pada tarikh perlu dibayar, polisi akan terus berkuatkuasa dengan mengaktifkan tempoh premium percutian. Namun demikian, polisi mungkin akan luput sekiranya nilai unit dana berkaitan pelaburan yang sedia ada tidak cukup untuk membayar semua caj polisi pada tarikh perlu dibayar

10 我是我父母的支柱 我是我妻子的守护者 我是我孩子的榜样 我是我企业的监护人 我是我员工的雇主 许多人都依靠我 我必需建立一份遗产 我今年 40 岁 我每月需储蓄多少钱来建立一份价值 RM200 万 ** 的遗产呢? 若我在还未储蓄到 RM200 万 ** 前遭遇不幸, 我该如何是好? 18 19

11 每月只需区区 RM1,000 *, 就可帮我建立一份价值 RM200 万 ** 的遗产, 就在今日 您的遗产该由 Allianz 开始的四大原因 实惠的保费, 让您立即开始建立一份遗产 高达 RM400 万的永久性终身全残保障 直至 100 岁 *** 的人生保障 ( 只限身故利益 ) 多种付款方式以符合您的生活方式 * RM200 万保额的保费是以一个 40 岁, 非吸烟男性为准 保单的持续性将鉴于投资联结基金的表现 保险费用及缴付保费的准时性 ** 若受保人在保期间不幸身故, 这份保单将支付 RM200 万和投资户口价值 ( 若有 ) *** 您可能需加额您的保费以确保保单的持续 产品特点 实惠的保费, 让您立即开始建立一份遗产建立一份遗产不一定需要很高的成本 以每月实惠的保费,, 定期保费的投资联结保单, 可以让您立即开始建立一份最低保额值 RM50 万的遗产 让您的遗产梦想立即成真 高达 RM400 万的永久性终身全残保障此保单保障受保人在六十五 (65) 岁之前的永久性终身全残 此保障相等于基本保额 ( 受限于每受保人 RM400 万 ) 直至 100 岁的人生保障享受健康生活可延长寿命 Allianz PremierLink 让您享有直至 100 岁的人生保障 若您不幸身故, 此保单将赔偿基本保额及投资户口价值 ( 若有 ), 让您高枕无忧 多种付款方式以符合您的生活方式您可以由选择保费付款方式来开始建立您的遗产 您可根据您的经济能力及生活方式来决定以每月 每季 每半年或每年来偿还您的保费 20 21

12 保费分配 您所缴付的保费可被分成投资保费及保险保费, 胥视您的年龄 保费及基本保额而定 保险保费将被分配于您所选择的 Allianz Life 投资联结基金, 其分配如下 ( 根据 RM10,000 年度保费 ): 保单年已缴保险保费保险保费的分配率 1 RM10,000 45% RM4,500 2 RM10,000 45% RM4,500 3 RM10,000 65% RM6,500 4 RM10,000 75% RM7,500 5 RM10,000 80% RM8,000 6 RM10,000 90% RM9, RM10, % RM10, 年或以上 RM10, % RM10,100 95% 的投资保费, 若有, 将分配于您所选择的 Allianz Life 投资联结基金 欲知有关 Allianz Life 投资联结基金的详情, 请参阅投资联结基金简介 这是一项与基础资产表现连结的保险产品, 而非如单位信托一般的纯投资产品 其它利益 一旦退保或保单届满, 我们将支付投资户口的余额 ( 若有 ) 您可选择在更改或不更改保费的情况下, 调整保障及投资数额 您可随意为保费加额以获取更高投资回酬 95% 的加额将被分配于投资上 ( 最低加额为 RM500) 依据您的喜好, 随时转换基金 有必要时可提取部分户口价值 费用 除了基金管理费外, 所有费用是透过扣除保单持有人的投资户头单位来征收 这包括基本人寿保险保障及其它选择性利益 ( 如保费豁免利益 ) 所涉及的费用 保险保障及选择性利益的总费用, 胥视所选择的保险保障种类及数额而定, 也包括其它因素例如年龄 性别及是否吸烟等 每月服务费 每月 RM7.42 ( 包括 GST) 基金管理费 每年 0.75% 1.50% 加额费 每次委托 RM26.50 ( 包括 GST) 转换费 每保单年五 (5) 次免费转换, 随后的任何转换将征收 RM10.60 ( 包括 GST) 22 23

13 重要声明 1. 此销售手册仅供说明用途, 所包含的资料并不全面及完整 欲知详情, 请参阅产品披露书 (PDS) 和销售说明 (SI) 您可向代理员获取有关资料 2. 我们有权修改利率 费用 收费 条款及其他条件 所有更改将在保单更新至少三 (3) 个月前以书信通知您 7. 我们将为您提供三十一 (31) 天的宽限期来缴付保费, 在宽限期内保单将依然生效 虽然如此, 一旦过了宽限期, 若还未付清任何保险费用及其它费用, 保单将失效 因此, 我们鼓励您准时缴付保费 8. 随着消费税 (GST) 的实行, 我们将会根据消费税的法定要求, 从消费税实行日开始计起, 于相关受保期内的有关保险保费 / 费用 / 收费上征收 6% 或当时的消费税 3. 您应该确认此保单能满足您的需求, 及所缴付于此保单的保费对您的财务福祉, 是一个实惠的价格 购买人寿保险是一项长期承诺 由于初期成本偏高, 我们并不鼓励您短期性持有这份保单 4. 自您收到保单日起, 您将有十五 (15) 天或国家银行所制定更长期限的免费阅览期来检讨保单是否适合您本身的需求, 若您选择于该段期间退还保单, 所将退还的款项将根据保单契约里所注明的条款及其他条件 5. 若选购的保单涉及庞大的保费, 保户应考虑购买单保费投资联结保单, 而不是年缴保费保单, 因前者提供更佳的投资分配率 6. 当没有缴付任何到期保费, 保费缓缴期将被启动, 以让保单持续生效 唯若户口价值不足以缴付所有到期的保单费用, 保单则可能终止 24 25

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15 Allianz Life Insurance Malaysia Berhad ( X) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia) Head Office Level 29, Menara Allianz Sentral, 203, Jalan Tun Sambanthan, Kuala Lumpur Sentral, Kuala Lumpur. Tel : / Fax: Customer Service Allianz Arena Ground Floor, Block 2A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, Kuala Lumpur. Allianz Contact Center : Fax : November 2015 AZ 11 /15

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