Smarth Link A helping hand is what you need as the events in your life constantly change; and flexibility becomes an important consideration to help m
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1 Smart Link Smart Link
2 Smarth Link A helping hand is what you need as the events in your life constantly change; and flexibility becomes an important consideration to help manage the changes that are taking place. Smart Link is the new Investment-Linked Insurance plan from Gibraltar BSN that tags along with you as you continually embark on new chapters in life. Stay smart with Smart Link just like a friend that stands by you. Flexibility is key in Smart Link, you are free to customize your protection needs to suit different life stages. Starting from as little as RM100 per month, you can enjoy life insurance coverage, and an investment allocation that increases over the initial years. Depending on your needs, you can also add optional coverage for Critical Illness, Personal Accident or Medical expenses. Standing on solid protection, you can pursue your dreams with confidence! All About Smart Link 1. What Is Smart Link? Smart Link is an Investment-Linked Insurance plan that not only provides you basic insurance protection and potential investment returns, but also the flexibility of adjusting your premiums, coverage level, and investments, all at the same time. This way, you can adapt to each stage in life with confidence. 2. What Are The Benefits Of This Plan? It Makes Your Money Work For You While it s easy to start with as little as RM100 per month, it will also delight you to know that investment allocation increases over time, allowing you to step closer to your dreams each day. Policy Year Basic Premium Allocation Rate 40% 50% 70% 70% 80% 80% 100% To ride on the wave of potential returns, you can also maketop-up to your investment account, of which 95% will be allocated to purchasing units in your selected funds.
3 It Allows You Flexibility Smart Link allows you to Make top-up payments or partial withdrawals, depending on your circumstances; or Switch between funds from time to time so that your investment portfolio is optimized according to your strategies; or Vary your insurance coverage level, to suit the demands of different life stages. With such accommodating features, you can embrace life with full confidence. It Stands By Your Loved Ones Against The Unexpected You can be rest assured that your loved ones are financially cared-for if the worst happens. This way, they can carry-on with life on the legacy of love that you leave behind. Death Benefit payable will be the Basic Sum Assured plus the entire Account Value. On the other hand, in the unfortunate event of Total and Permanent Disability, the Basic Sum Assured will be paid to enable you to make necessary adjustments in life. Smart Link will continue to be your companion even after the Basic Sum Assured is paid; your Account Value goes on to support the costs of insurance for other additional coverages you have that are essential for sustaining your wellbeing. It Can Be Extended To Have Extra Coverages Smart Link also presents you with an array of additional protection options for complete peace of mind: Smart Health provides Hospitalization & Surgical Insurance Gibraltar BSN IL PA provides coverage against various accidents Gibraltar BSN IL CI provides coverage against 36 Critical Illnesses Gibraltar BSN IL Living Extra provides waiver of premium / Family Income Benefit True Lady provides coverage against female-specific illnesses
4 Smarth Link It Might Provide Tax Relief For further savings, the premium you pay may qualify for tax relief (subject to final decision of Inland Revenue Board). 3. Where Will My Money Be Invested? From our range of professionally managed funds, you can choose to allocate your money according to your preference or strategy. There are 4 funds to choose from: a) Gibraltar BSN Strategic Fund A fund which seeks to achieve consistent capital appreciation over the medium-to-long term by investing mainly in companies that had been systematically screened through a series of predetermined financial criteria. b) Gibraltar BSN Aggressive Fund To achieve consistent and above average capital appreciation over the medium-to-long term by investing in companies with market capitalization of not more than RM750 million at the time of acquisition. c) Gibraltar BSN Bond Fund A fund which seeks to achieve consistent capital preservation over the medium-term while providing a stable long-term and secured income return by investing primarily in a portfolio of investment-grade fixed income securities. d) Gibraltar BSN Cash Fund (for switching only) The fund aims to maintain short-term liquidity by investing in low risk money market instruments with high degree of capital preservation. This Fund is available for fund switching only, not applicable to new premiums.
5 4. What Are The Charges On My Account Value? Below is a brief summary of the applicable charges: Service Charges Cost of Insurance Charges Fund Switching Charges Withdrawal Charges Fund Management Charges RM6 per month (via cancellation of units). The amount of charges is based on your attained age, sex, Sum Assured, any additional benefits chosen and other risk factors* (via cancellation of units). 2 free switches for each policy year. Subsequent switches are charged at RM50 per switch. 1% of withdrawal amount. Maximum charge is RM50 per withdrawal. 0.75% to 1.5% of Account Value, based on the Investment-Linked Funds chosen. * For more information, please refer to your sales illustration. 5. What Are The Eligible Entry Ages For Smart Link? Anyone between the ages of 14 days and 65 years old (nearest birthday) can apply for coverage. 6. How Do I Make Payment? There are several ways You can pay by credit card, cheque, auto-debit, or GIRO. You can also choose to pay either annually, half-yearly, quarterly, or monthly. 7. How Long I Need To Pay Premium For? Premium is payable for the whole policy term. 8. What Are Some Of The Exclusions Under This Plan? Below are some of the circumstances where no benefits will be payable: Death during the first year due to suicide, while sane or insane; or Total and Permanent Disability resulting from selfinflicted injuries. These exclusions are NOT exhaustive, please refer to a sample policy contract for the full terms and conditions.
6 Smarth Link Some Important Things You Need To Know: Buying a life policy is a long-term commitment and if you terminate your policy in the early years, you may get back less than the amount you have paid. This plan will not have a guaranteed cash value. The value of policy may rise or fall, depending on the fund s investment performance. Investment risks under the policy are to be borne solely by the Policyholder. Please refer to the Sales Illustration for details. Maximum amount payable under a TPD claim is RM2.0 million per life. You should carefully consider the fees and charges involved. All charges are not guaranteed and may be varied from time to time. The past performance of a fund may not be a reliable guide to future performance, which may be different. The Company may at its absolute discretion cease to permit any issuance or redemption of units or switching to any fund. You may also consider purchasing a Single Premium Investment-Linked Insurance policy or make additional Regular Top-Up payments in view that such options offer better allocation rates for investment. During Premium Holiday, the Cost of Insurance, Premium for any riders attached (with express instructions to charge the Account Value) and Policy Charges (for the Basic and Riders) will continue to be deducted from the Account Value. In the event the Account Value is nil or negative, the Policy shall lapse and there shall be no insurance coverage. Purchasing too many unit deducting riders may deplete the Account Value. You should be satisfied that this plan will best serve your needs and that the premium payable under the policy is an amount that you can afford. If suicide or self-destruction that will cause Death or Total and Permanent Disability, while sane or insane, occurs within 1 year from the date of issue of the policy or from the date of reinstatement, whichever is later, the amount payable will be the Account Value at the prevailing NAV per unit. Policy Benefit is not payable if the Life Assured dies or becomes Totally and Permanently Disabled by dueling or by the hands of justice or committing an unlawful act during the term of the policy.
7 This brochure is not a contract of insurance and it is to be read in conjunction with the Product Disclosure Sheet (PDS). The full terms and conditions of this plan are set out in the policy contract. The plan described in this brochure is underwritten by ( A). All claims and liabilities arising from the policies should be made with the Company. Why? When you take up a policy with us, you can be assured that you will be taken care of because we protect you for life. is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
8 Smarth Link Dengan peristiwa yang sentiasa berubah-ubah berlaku dalam hidup anda, anda sememangnya sentiasa memerlukan bantuan; dan kefleksibelan merupakan suatu yang penting untuk membantu anda menguruskan perubahan tersebut. Smart Link adalah satu pelan Insurans Berkaitan Pelaburan yang baharu daripada Gibraltar BSN menemani anda untuk menempuh satu demi satu peristiwa baharu dalam hidup anda. Buatlah keputusan yang bijak dengan Smart Link bagaikan teman setia yang sentiasa berada di sisi anda. Kefleksibelan adalah teras Smart Link. Anda bebas memadankan keperluan perlindungan anda untuk disuaikan dengan peringkat hidup yang berlainan. Dengan bayaran serendah RM100 sebulan, anda boleh menikmati kehidupan dan perlindungan kesihatan, serta peruntukan pelaburan yang meningkat dalam beberapa tahun yang awal. Bergantung kepada keperluan anda, anda juga boleh memilih untuk menambah pilihan perlindungan untuk Penyakit Kritikal, Kemalangan Peribadi atau perbelanjaan Perubatan. Dengan bertunjangkan perlindungan yang padu, anda boleh mengejar impian anda dengan penuh yakin! Segala-Gala Tentang Smart Link 1. Apa Itu Smart Link? Smart Link adalah pelan Insurans Berkaitan Pelaburan yang bukan sekadar memberikan perlindungan insurans asas dan potensi pulangan pelaburan, malah ia juga memberikan kefleksibelan untuk mengubah suai premium, tahap perlindungan, dan pelaburan anda, semuanya serentak. Dengan ini, anda boleh melangkah ke dalam setiap peringkat hidup anda dengan yakin. 2. Apakah Manfaat Pelan Ini? Ia Menjadikan Wang Anda Bekerja Untuk Anda Dengan bayaran permulaan serendah RM100 sebulan, anda akan turut teruja dengan peruntukan pelaburan yang semakin meningkat, membolehkan anda melangkah menghampiri impian anda setiap hari.
9 Tahun Polisi Premium Asas 40% 50% 70% 70% 80% 80% 100% Untuk menikmati potensi pulangan, anda boleh juga menokok terus ke dalam akaun pelaburan anda, yang 95% daripadanya akan diagihkan untuk membeli unit dana yang anda pilih. Ia Menawarkan Kefleksibelan Smart Link membolehkan anda Membuat pengeluaran separa atau anda boleh menokok ke dalam dana pilihan, bergantung pada keperluan anda; atau Dari semasa ke semasa, anda juga boleh beralih ke dalam mana-mana dana supaya portfolio pelaburan anda dapat dioptimumkan menurut strategi anda; atau Anda boleh mengubah-ubahnya untuk disesuaikan dengan keperluan dalam peringkat hidup yang berlainan. Dengan ciri penyesuaian sebegini, anda dapat menempuh kehidupan anda dengan penuh yakin. Ia Membantu Orang Yang Anda Sayangi Menghadapi Musibah Anda akan dapat menarik nafas lega apabila keperluan kewangan orang yang anda sayangi dijaga sekiranya berlaku musibah. Mereka akan dapat meneruskan kehidupan dengan legasi kasih sayang yang anda tinggalkan. Faedah Kematian yang akan dibayar adalah Jumlah Asas Diinsuranskan tambah keseluruhan Nilai Akaun. Sekiranya berlaku Hilang Upaya Menyeluruh dan Kekal, Jumlah Asas Diinsuranskan akan dibayar untuk membolehkan anda membuat pelarasan yang perlu dalam hidup anda. Smart Link akan terus menemani anda sekalipun selepas Jumlah Asas Diinsuranskan dibayar; Nilai Akaun anda akan terus menampung kos insurans bagi perlindungan tambahan lain yang anda ada, yang perlu demi kesejahteraan anda.
10 Smarth Link Ia Boleh Diperluas Untuk Menikmati Perlindungan Tambahan Smart Link turut memberikan pelbagai pilihan perlindungan tambahan untuk memberikan ketenangan fikiran sepenuhnya kepada anda: Smart Health menawarkan Insurans Penghospitalan & Surgeri Gibraltar BSN IL PA menawarkan perlindungan terhadap pelbagai kemalangan Gibraltar BSN IL CI menawarkan perlindungan terhadap 36 Penyakit Kritikal Gibraltar BSN IL Living Extra menawarkan penepian premium / Faedah Pendapatan Keluarga True Lady menawarkan perlindungan terhadap penyakit khusus wanita Ia Mungkin Menyediakan Pelepasan Cukai Kepada Anda Untuk terus menabung, premium yang anda bayar boleh dikecualikan daripada cukai (tertakluk kepada keputusan akhir Lembaga Hasil Dalam Negeri). 3. Di Manakah Wang Saya Akan Dilaburkan? Daripada pelbagai dana kami yang terurus secara profesional, anda boleh memilih untuk mengagihkan wang anda menurut pilihan atau strategi anda. Terdapat empat dana untuk anda pilih: a) Gibraltar BSN Strategic Fund Dana yang menyasarkan mencapai pertambahan modal yang konsisten dalam jangka sederhana hingga panjang dengan melabur dalam syarikat yang telah disaring secara sistematik melalui beberapa siri kriteria kewangan yang ditentukan awal. b) Gibraltar BSN Aggressive Fund Untuk mencapai pertambahan modal yang konsisten dan melebihi pertambahan biasa dalam jangka sederhana hingga panjang dengan melabur dalam syarikat dengan permodalan pasaran yang tidak lebih daripada RM750 juta pada masa pemerolehan.
11 c) Gibraltar BSN Bond Fund Dana yang menyasarkan mencapai pengekalan modal yang konsisten dalam tempoh jangka sederhana sambil menawarkan pulangan pendapatan jangka panjang yang stabil dan terjamin dengan melabur terutamanya dalam portfolio sekuriti pendapatan tetap gred pelaburan. d) Gibraltar BSN Cash Fund (untuk pertukaran sahaja) Dana ini menyasarkan pengekalan kecairan jangka pendek dengan melabur dalam instrumen pasaran wang berisiko rendah dengan tahap pengekalan modal yang tinggi. Dana ini boleh didapatkan untuk pertukaran dana sahaja, tidak terpakai untuk premium baharu. 4. Apakah Caj Yang Dikenakan Ke Atas Nilai Akaun Saya? Di bawah adalah ringkasan bagi caj yang dikenakan: Caj Perkhidmatan Caj Kos Insurans Caj Pertukaran Dana Caj Pengeluaran Caj Pengurusan Dana RM6 sebulan (melalui pembatalan unit) Amaun yang dicaj adalah berdasarkan pada umur tercapai, jantina, Jumlah Diinsuranskan, faedahfaedah yang dipilih dan faktor-faktor penarafan risiko yang lain* (melalui pembatalan unit). Dua pertukaran percuma bagi setiap tahun polisi. Pertukaran berikutnya dicaj RM50 per pertukaran. 1% daripada amaun pengeluaran. Caj maksimum adalah RM50 per pengeluaran. 0.75% hingga 1.5% daripada Nilai Akaun, bergantung pada Dana Berkaitan Pelaburan yang dipilih. * Untuk maklumat lanjut, sila rujuk ilustrasi jualan anda. 5. Berapakah Usia Layak Untuk Memohon Smart Link? Sesiapa sahaja yang berusia di antara 14 hari dengan 65 tahun (hari jadi terdekat) boleh memohon perlindungan ini. 6. Bagaimanakah Saya Hendak Membuat Pembayaran? Terdapat beberapa cara Anda boleh bayar dengan kad kredit, cek, autodebit, atau GIRO. Anda juga boleh memilih untuk membayar sama ada secara tahunan, separuh tahunan, suku tahunan, atau bulanan.
12 Smarth Link 7. Berapa Lama Saya Perlu Membayar Premium? Premium perlu dibayar sepanjang tempoh polisi. 8. Apakah Antara Pengecualian Di Bawah Pelan Ini? Di bawah adalah antara keadaan yang faedah tidak akan dibayar: Kematian dalam tahun pertama yang disebabkan oleh bunuh diri, sama ada semasa waras atau tidak waras; atau Hilang Upaya Menyeluruh dan Kekal akibat kecederaan yang disengajakan. Pengecualian ini BUKAN setakat ini sahaja, sila rujuk contoh kontrak polisi untuk mendapatkan terma dan syarat yang lengkap. Antara Perkara Penting Yang Perlu Anda Tahu: Membeli polisi nyawa adalah komitmen jangka panjang dan jika anda menamatkan polisi anda dalam tahun-tahun awal, anda mungkin mendapat kembali nilai yang kurang daripada yang telah anda bayar. Pelan ini tidak ada nilai tunai terjamin. Nilai polisi boleh naik atau turun, bergantung pada prestasi pelaburan dana. Risiko pelaburan di bawah polisi ini ditanggung sepenuhnya oleh Pemegang Polisi. Sila rujuk Ilustrasi Jualan untuk keterangan lanjut. Amaun maksimum yang akan dibayar di bawah tuntutan Hilang Upaya Menyeluruh dan Kekal adalah RM2.0 juta per nyawa. Anda perlu mempertimbangkan dengan teliti bayaran dan caj yang terlibat. Semua caj tidak terjamin dan boleh berubah-ubah dari semasa ke semasa. Prestasi lampau satu-satu dana tidak boleh dijadikan panduan yang andal bagi prestasi akan datang, yang mungkin berbeza. Syarikat, atas budi bicaranya, boleh menahan kebenaran untuk mengeluarkan apa-apa penebusan unit atau pertukaran kepada mana-mana dana. Anda juga boleh mempertimbangkan pembelian satu polisi Insurans Berkaitan Pelaburan Premium Tunggal atau membuat bayaran tambahan Penambahan Biasa sekiranya pilihan tersebut menawarkan kadar pengagihan lebih baik bagi pelaburan.
13 Semasa Cuti Premium, Kos Insurans, Premium bagi apaapa rider yang terlampir (dengan arahan ekspres untuk mengecaj Nilai Akaun) dan Caj Polisi (bagi Polisi Asas dan Rider) akan terus ditolak daripada Nilai Akaun. Sekiranya Nilai Akaun adalah sifar atau negatif, Polisi tersebut akan luput dan tiada perlindungan insurans akan disediakan. Membeli terlalu banyak rider yang membatalkan bilangan unit boleh menyusutkan Nilai Akaun. Anda seharusnya berpuas hati bahawa pelan ini adalah yang terbaik untuk memenuhi keperluan anda dan anda mampu membayar premium yang perlu dibayar di bawah polisi ini. Jika berlaku bunuh diri atau pemusnahan diri yang akan menyebabkan kematian atau Hilang Upaya Menyeluruh dan Kekal, semasa waras atau tidak waras, dalam masa satu tahun dari tarikh pengeluaran polisi atau dari tarikh pengembalian semula, mana-mana yang kemudian, amaun yang akan dibayar adalah Nilai Akaun pada Nilai Aset Bersih (NAV) semasa per unit. Faedah polisi tidak akan dibayar jika Orang Diinsuranskan meninggal dunia atau menyebabkan Hilang Keupayaan Menyeluruh dan Kekal disebabkan atau dikenakan tindakan undang-undang kerana melakukan kesalahan di sepanjang tempoh polisi. Brosur ini bukan kontrak insurans dan hendaklah dibaca bersama-sama Risalah Makluman Produk (PDS). Terma dan syarat lengkap bagi pelan ini dinyatakan dalam kontrak polisi. Pelan yang diterangkan dalam brosur ini ditaja jamin oleh ( A). Semua tuntutan dan liabiliti yang timbul daripada polisi ini hendaklah diajukan kepada Syarikat. Kenapa? Apabila anda mengambil polisi dengan kami, anda dijamin akan dijaga kerana kami melindungi anda sepanjang hayat. dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia.
14 Smarth Link 人生变化无穷, 一双援助之手更是您的不时之需 随机应变的伸缩性是应对生活一个重要考量的管理条件 Smart Link 是一项 Gibraltar BSN 的新投资联结保险计划, 它将陪伴您走过人生的每一个不同阶段 Smart Link 帮助您精明地规划人生, 就如对您不弃不离的知己 Smart Link 的主要特点是伸缩性, 让您根据人生不同的阶段定制您的保障需求, 每月只需付出区区 RM100, 即可尽享人寿保障, 而保费的投资分配也在最初几年内逐渐增加 根据您的需要, 您还可以添加可选的覆盖范围, 为重大疾病保险, 人身意外伤害或医疗费用这一切将为您奠下坚稳的人生基础, 信心十足地追求人生梦想! 有关 Smart Link 1. 什么是 Smart Link? Smart Link 是一项投资联结保险计划, 此计划不仅提供基本保障和潜在的投资回酬, 同时也可伸缩性地调整保费 投保水平 投资 让您可以充满信心面对人生的每一个阶段 2. 这项计划的好处是什么? 让您的金钱为您效劳您每月只需付出区区 RM100 就可以开始获得保障和投资, 可喜的是, 此计划的投资分配额将随着时间逐渐增加, 帮助您每一天更接近您的梦想 保单年 基本保费分配率 40% 50% 70% 70% 80% 80% 100% 若要享受源源不断的潜在回酬, 您可为您的投资账户加额 ; 您加额的其中 95% 将分配于购买您选定的基金.
15 让您具备伸缩性的计划 Smart Link 让您能够 根据您的情况, 加额或部分提取 ; 或 按照您本身的投资策略, 随时转移基金, 优化投资组合 ; 或 改变您的保险覆盖水平, 以适应不同的人生阶段的需求 这一切特点, 让您信心十足应对人生 扶持挚爱, 面对不测万一发生不堪设想的不测, 您的挚爱在财务上将有所保障, 让您毫无后顾之忧, 他们依然继续生活, 感受您留下的爱心 死亡利益将获取的赔偿是基本投保額另加帐户价值全额 另一方面, 若不幸遭遇永久终身残废, 您将获赔投保额, 帮助您适应生活上的改变 即使在支付了基本投保额后,Smart Link 将继续相伴着您, 因为您的投资账户价值将支付其他必需额外保障的保险开销, 帮助您持续拥有健康美满的生活 附加保单以获取额外保障 Smart Link 也为您呈献以下一系列附加保障, 让您毫无后顾之忧 : Smart Health 提供住院及手术保障 Gibraltar BSN IL PA 提供各种意外保障 Gibraltar BSN IL CI 提供 36 种严重疾病保障 Gibraltar BSN IL Living Extra 提供保费豁免 / 家庭收入利益 True Lady 提供指定女性疾病保障 享有所得税减免您缴付的保费可能获得税务减免, 为您节省更多 ( 最终决定权在于税务局 )
16 Smarth Link 3. 我的钱将会投资在何处? Smart Link 提供一系列专业管理基金, 您可根据本身的偏好或策略从以下的 4 项基金作出选择 : a) Gibraltar BSN 策略基金此基金的目的, 主要是投资在采用一系列预先决定的财务标准, 有系统地筛选的公司, 以取得中期至长期的稳健资本增长 b) Gibraltar BSN 激进基金此基金的目的, 是投资在收购时市值不超过 7 亿 5 千万令吉的公司, 以求在中期至长期内取得稳健和中上的资本增值 c) Gibraltar BSN 债券基金此基金的目的, 是寻求中期内保本, 同时主要投资在投资级的固定收入证券组合, 以获取稳定的长期及有保障的收入回酬 d) Gibraltar BSN 现金基金 ( 只限转移基金 ) 此基金的目的, 是投资于高度保本的低风险货币市场工具, 以维持短期资金流动性 此基金只限于转移基金, 而不适用于新保费 4. 账户价值的征收费用是多少? 以下是征收费用的简略表 : 服务费 每月 RM6( 透过取消单位 ) 保险费用 保险收费将基于您的年龄, 性别, 基本投保額, 及其他危险因素而定 *( 透过取消单位 ) 基金转移费用 每一保单年可获 2 次免费转移 随后的转移, 每次收费 RM50 提取费用提取款额的 1%, 最高收费为 RM50 基金管理费 账户价值的 0.75% 或 1.5%, 根据选择的基金投资相连 * 欲知详情, 请参阅您的销售说明
17 5. 什么年龄有资格投保 Smart Link 计划? 任何年龄介于 14 天和 65 岁 ( 最接近的生日 ) 人士都可申请投保 6. 我该如何缴费? 您可采用几种方式支付保费 - 信用卡 支票 自动扣帐或直接转帐 您也可选择每年 每半年 每季或每月支付保费 7. 我需要支付多久的保费? 整个保单有效期间必须支付保费 8. 此计划有什么不受保事项? 若发生下列情况, 将不获任何利益支付 : 在投保的第一年内, 由于神志清醒或神志不清时企图自杀 ; 或 由于自残受伤导致永久终身残废 上述不受保事项并非详尽 请参阅保单合约样本的完整条款与条件 您必须了解的一些主要事项 : 购买寿险是一项长期承诺, 如果您提前终止保单, 您取回的款额或将少过您所支付的保费 此保单不受保证拥有现金价值 保单价值或有起有落, 胥视基金的投资表现而定 保单持有人需独自承担投资风险 有关详情请参阅销售说明 每名投保人的永久终身残废最高索赔是不超过 200 万令吉 您应该考虑投资时所涉及的收费和费用 所有费用不受保证及可能不时加以调整 基金表现或有差异, 过往的表现不能被视为未来表现的可靠指南 公司有绝对权随时中止任何单位的发行或赎回 或基金转移 您也可考虑购买单期保费单位联结保单或额外为您的投资账户加额, 因为此计划提供更佳的投资分配率
18 Smarth Link 在暂停缴付保费 ( 保费假期 ) 期间, 保险费用, 任何附加保险的保费 ( 指明从帐户价值中征收费用 ) 和保单费用 ( 基本和附加保险 ) 将继续从帐户价值扣除 若该帐户价值是零或负值, 保单将无效, 也就是不获任何保障 购买太多扣除单位附加保险所涉及的费用可能导致帐户价值耗尽 您应该对这项计划能满足您的需求而感到满意, 同时您有能力承担这项计划下应缴付的保费 在保单发出日期或复保日期的 1 年内, 视何者为后, 若由于自杀或自残而导致死亡或永久终身残废, 无论在神志正常或失常的情况下发生, 所获赔偿将按照帐户价值当时的每单位净资产值计算 若受保人在保单有效期间由于斗争或司法制裁 或进行非法行为犯罪导致死亡或永久终身残废则不获任何偿付 此册子并非保险合约, 请随同产品披露摘要表参阅 这项计划的完整条规详细列明在保单合约内 上述计划乃由 ( A) 承保, 所有索赔及保单负债必须与有关公司接洽 为何选择保德信人寿有限公司? 当您向我们投保一项保单时, 您可确保获得完善的照顾, 因为我们保障您的一生 保德信人寿有限公司受到 2013 年金融服务法令所认可及受到马来西亚国家银行监管
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20 Head Office [ A] Bangunan Gibraltar BSN, 16, Jalan Tun Tan Siew Sin Kuala Lumpur. P.O. Box 10845, Kuala Lumpur General Line: Customer Service: Fax: Branches KUALA LUMPUR Lot L7-05, Level 7 BREM Mall, Jalan Kepong Kuala Lumpur Tel: Fax: PETALING JAYA Unit 4-4, 4th Floor, Surian Tower No. 1, Jalan PJU 7/3 Mutiara Damansara Petaling Jaya, Selangor Tel: Fax: PULAU PINANG No. 29 (Ground Floor) Rangoon Road Pulau Pinang Tel: Fax: IPOH No. 1, Persiaran Greentown 4B Greentown Business Centre Ipoh, Perak Tel: Fax: MELAKA Bangunan Gibraltar BSN No. 42 Jalan Merdeka Taman Melaka Raya Melaka Tel: Fax: KOTA BHARU Lot 284, Seksyen 22 Jalan Kota Darul Naim Kota Bharu Kelantan Tel: Fax: KUCHING No. 5, Lot 3082, Block 10, KCLD Jalan Rock Miles Kuching, Sarawak Tel: Fax: SIBU Lot 3794 Block 3 Sibu Town District No. 37, Lorong Pahlawan 7 Jalan Pahlawan, Sibu Sarawak Tel: Fax: KOTA KINABALU Unit No. K-63A-G Ground Floor, Block K KK Times Square Signature Office Off Coastal Highway Kota Kinabalu Sabah Tel: Fax: JOHOR BAHRU 22, Jalan Sutera Tanjung 8/3 Taman Sutera Utama Skudai, Johor Tel: Fax: For more information, please contact: A Member Of
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