Sun Life Malaysia Bijak Malaysia Plus Plus V.2
Be wise & be prepared Life is precious. What can be a better gift than living life to the fullest? But what looks like a perfect life today may not remain that way forever. However, by having a comprehensive insurance coverage as a financial safety net in times of need, you will have better control in life. Sun Life Malaysia Bijak Malaysia Plus - Your smart choice Sun Life Malaysia Bijak Malaysia Plus is a non-participating whole life plan that is designed to meet your changing needs at different life stages. This affordable plan offers high protection during your productive/ working years. It provides guaranteed triennial cash payments from policy year 1 up to age 60. After attaining a normal retirement age of 60, premium payment shall cease but you will continue to enjoy protection. Best of all, you will receive guaranteed yearly cash payments until age 88! Benefits at a glance % of sum assured First 2 policy years Policy year 3 up to age 60 From age 61 to 65 Thereafter up to age 88 Protection benefit 3 Death benefits Natural causes Accidental causes Total & permanent disability (TPD) benefits 1 Natural causes Accidental causes 25% 2 500% 25% 2 200% 200% 500% 200% 200% 100% 250% 100% 100% 100% 100% Nil Nil The unique features While many whole life plans out there are each claiming to be superior than the other, Sun Life Malaysia Bijak Malaysia Plus certainly stands out from the rest. Whole life superior protection coverage Affordable premiums Extra protection coverage during productive/working years Triennial cash payments Yearly cash payments Maturity benefit Survival benefit 5% of sum assured payable every three years up to age 60 5% of sum assured payable every year (from age 61 up to age 88) 100% of sum assured benefit payout at age 88 Guaranteed cash payments @ 5% of sum assured: - Policy year 1 up to age 60: Guaranteed triennial cash payments - Age 61 up to age 88: Guaranteed yearly cash payments Guaranteed maturity benefit (full sum assured is payable) Pre-packaged, easy enrolment & hassle-free (only requires a simple health declaration to get started) Initiated by the National Insurance Association of Malaysia (NIAM) A bancassurance product with extensive distribution network, for your added convenience 1 Coverage for TPD ceases at age 65. 2 Lien is applicable only for deaths and TPD due to natural causes during the initial 2 years of the policy inception, due to underwriting constraints. 3 Benefit payable will be the sum assured as per table; or total premium paid less total guaranteed cash payment paid up to the date of event, whichever is higher. In addition, this plan provides a guaranteed cash payment amounting to 5% of the sum assured which becomes payable every 3 years from the date of policy inception up to age 60. Thereafter, a guaranteed cash payment amounting to 5% of the sum assured will be paid yearly for you to enjoy your golden years until age 88. Upon attaining age 88, you will receive a maturity benefit amounting to 100% of the sum assured.
Commission As Sun Life Malaysia Bijak Malaysia Plus leverages on being a bancassurance product, the premiums and commissions payable are amongst the lowest in the industry. The table below illustrates the commissions borne by customers, which are paid from their annualised premiums. The below illustrates the life assured aged 25 years old, with 63-year policy term and annual premium of RM1,440. Policy year Proportion of premium deduction for commission Actual amount (RM) 1 20% 288 2 5% 72 3 5% 72 4 5% 72 5 5% 72 6 5% 72 7 5% 72 8 5% 72 9 5% 72 10 5% 72 Production bonus and persistency bonus during the first 3 years of the policy are payable and borne by policy owner. EASY ENROLMENT A simple health declaration form is all that is needed to get started! Enjoy ADDED PROTECTION throughout your productive years! Enjoy YEARLY CASH PAYMENTS after retirement. LIMITED PREMIUM PAYMENT to enjoy a whole life of protection! The following tables offer a sample list of the sum assured and corresponding guaranteed cash payments: Sum assured Entry age Monthly premium (RM) (Male) 120 240 360 600 0 37,800 79,500 121,200 204,500 1 37,600 79,000 120,400 203,300 2 37,300 78,400 119,600 201,800 3 37,000 77,900 118,700 200,400 4 36,800 77,300 117,900 198,900 5 36,500 76,700 116,900 197,300 6 36,200 76,100 115,900 195,700 7 35,900 75,400 115,000 194,100 8 35,500 74,700 113,800 192,100 9 35,200 73,900 112,700 190,200 10 34,900 73,300 111,700 188,600 11 34,500 72,600 110,600 186,700 12 34,100 71,700 109,200 184,400 13 33,700 70,800 107,900 182,200 14 33,300 69,900 106,500 179,800 15 32,800 68,900 105,000 177,300 16 32,300 67,900 103,600 174,800 17 31,800 66,900 102,000 172,200 18 31,300 65,900 100,400 169,500 19 30,900 64,900 98,900 166,900 20 30,400 63,800 97,300 164,200 21 29,800 62,800 95,700 161,500 22 29,400 61,800 94,200 159,000 23 28,900 60,700 92,500 156,200 24 28,300 59,500 90,800 153,300 25 27,800 58,400 89,000 150,300 26 27,100 57,100 87,000 146,900 27 26,400 55,700 84,800 143,300 28 25,800 54,200 82,700 139,700 29 25,000 52,700 80,400 135,800 30 24,200 51,100 77,900 131,700 31 23,500 49,500 75,500 127,500 32 22,600 47,700 72,900 123,100 33 21,700 45,900 70,100 118,600 34 20,900 44,200 67,500 114,100 35 20,000 42,400 64,700 109,400 36 19,700 41,700 63,700 107,600 37 18,900 40,100 61,200 103,500 38 18,100 38,500 58,700 99,100 39 17,500 37,300 56,900 95,900 40 16,500 35,300 53,900 90,900 41 15,600 33,500 51,100 86,300 42 15,200 32,700 49,900 84,300 43 14,500 31,100 47,400 80,100 44 13,600 29,200 44,800 75,900 45 13,100 28,100 43,100 73,100 46 12,200 26,200 40,200 68,200 47 11,300 24,400 37,500 63,600 48 10,600 23,000 35,400 60,000 49 9,700 20,900 32,200 54,700 50 8,800 19,100 29,400 50,000
Sum assured Entry age Monthly premium (RM) (Female) 120 240 360 600 0 38,200 80,300 122,500 206,800 1 38,000 79,900 121,800 205,600 2 37,700 79,400 121,000 204,300 3 37,500 78,800 120,200 202,900 4 37,200 78,300 119,400 201,500 5 36,900 77,700 118,500 200,000 6 36,700 77,100 117,600 198,400 7 36,400 76,500 116,700 196,900 8 36,000 75,800 115,500 195,000 9 35,700 75,200 114,600 193,400 10 35,400 74,400 113,400 191,500 11 35,000 73,700 112,300 189,600 12 34,700 72,900 111,200 187,700 13 34,300 72,200 110,100 185,800 14 34,000 71,500 109,000 184,000 15 33,500 70,500 107,500 181,400 16 33,100 69,600 106,100 179,100 17 32,600 68,600 104,600 176,500 18 32,100 67,500 103,000 173,800 19 31,600 66,500 101,400 171,200 20 31,100 65,400 99,700 168,400 21 30,500 64,300 98,000 165,500 22 30,100 63,200 96,400 162,700 23 29,500 62,100 94,700 159,800 24 29,000 60,900 92,900 156,900 25 28,400 59,900 91,300 154,100 26 27,800 58,600 89,400 151,000 27 27,200 57,300 87,400 147,600 28 26,600 56,000 85,400 144,300 29 25,900 54,600 83,200 140,600 30 25,100 53,000 80,800 136,600 31 24,300 51,400 78,500 132,700 32 23,500 49,700 76,000 128,400 33 22,600 48,000 73,300 123,900 34 21,800 46,200 70,600 119,400 35 20,900 44,300 67,800 114,600 36 20,700 44,200 67,400 114,100 37 19,700 42,000 64,300 108,800 38 18,600 39,700 60,700 102,600 39 18,200 38,900 59,500 100,700 40 17,000 36,500 55,800 94,500 41 16,200 34,900 53,400 90,500 42 15,800 34,100 52,200 88,400 43 14,700 31,900 48,900 82,800 44 13,900 29,900 45,900 77,900 45 13,400 28,900 44,400 75,300 46 12,400 26,800 41,200 69,900 47 11,500 25,000 38,500 65,300 48 10,800 23,600 36,400 61,700 49 9,700 21,300 32,900 55,900 50 8,700 19,100 29,500 50,300 Guaranteed cash payments (per payment) Entry age Monthly premium (RM) (Male) 120 240 360 600 0 1,890 3,975 6,060 10,225 1 1,880 3,950 6,020 10,165 2 1,865 3,920 5,980 10,090 3 1,850 3,895 5,935 10,020 4 1,840 3,865 5,895 9,945 5 1,825 3,835 5,845 9,865 6 1,810 3,805 5,795 9,785 7 1,795 3,770 5,750 9,705 8 1,775 3,735 5,690 9,605 9 1,760 3,695 5,635 9,510 10 1,745 3,665 5,585 9,430 11 1,725 3,630 5,530 9,335 12 1,705 3,585 5,460 9,220 13 1,685 3,540 5,395 9,110 14 1,665 3,495 5,325 8,990 15 1,640 3,445 5,250 8,865 16 1,615 3,395 5,180 8,740 17 1,590 3,345 5,100 8,610 18 1,565 3,295 5,020 8,475 19 1,545 3,245 4,945 8,345 20 1,520 3,190 4,865 8,210 21 1,490 3,140 4,785 8,075 22 1,470 3,090 4,710 7,950 23 1,445 3,035 4,625 7,810 24 1,415 2,975 4,540 7,665 25 1,390 2,920 4,450 7,515 26 1,355 2,855 4,350 7,345 27 1,320 2,785 4,240 7,165 28 1,290 2,710 4,135 6,985 29 1,250 2,635 4,020 6,790 30 1,210 2,555 3,895 6,585 31 1,175 2,475 3,775 6,375 32 1,130 2,385 3,645 6,155 33 1,085 2,295 3,505 5,930 34 1,045 2,210 3,375 5,705 35 1,000 2,120 3,235 5,470 36 985 2,085 3,185 5,380 37 945 2,005 3,060 5,175 38 905 1,925 2,935 4,955 39 875 1,865 2,845 4,795 40 825 1,765 2,695 4,545 41 780 1,675 2,555 4,315 42 760 1,635 2,495 4,215 43 725 1,555 2,370 4,005 44 680 1,460 2,240 3,795 45 655 1,405 2,155 3,655 46 610 1,310 2,010 3,410 47 565 1,220 1,875 3,180 48 530 1,150 1,770 3,000 49 485 1,045 1,610 2,735 50 440 955 1,470 2,500
Guaranteed cash payments (per payment) Entry age Monthly premium (RM) (Female) 120 240 360 600 0 1,910 4,015 6,125 10,340 1 1,900 3,995 6,090 10,280 2 1,885 3,970 6,050 10,215 3 1,875 3,940 6,010 10,145 4 1,860 3,915 5,970 10,075 5 1,845 3,885 5,925 10,000 6 1,835 3,855 5,880 9,920 7 1,820 3,825 5,835 9,845 8 1,800 3,790 5,775 9,750 9 1,785 3,760 5,730 9,670 10 1,770 3,720 5,670 9,575 11 1,750 3,685 5,615 9,480 12 1,735 3,645 5,560 9,385 13 1,715 3,610 5,505 9,290 14 1,700 3,575 5,450 9,200 15 1,675 3,525 5,375 9,070 16 1,655 3,480 5,305 8,955 17 1,630 3,430 5,230 8,825 18 1,605 3,375 5,150 8,690 19 1,580 3,325 5,070 8,560 20 1,555 3,270 4,985 8,420 21 1,525 3,215 4,900 8,275 22 1,505 3,160 4,820 8,135 23 1,475 3,105 4,735 7,990 24 1,450 3,045 4,645 7,845 25 1,420 2,995 4,565 7,705 26 1,390 2,930 4,470 7,550 27 1,360 2,865 4,370 7,380 28 1,330 2,800 4,270 7,215 29 1,295 2,730 4,160 7,030 30 1,255 2,650 4,040 6,830 31 1,215 2,570 3,925 6,635 32 1,175 2,485 3,800 6,420 33 1,130 2,400 3,665 6,195 34 1,090 2,310 3,530 5,970 35 1,045 2,215 3,390 5,730 36 1,035 2,210 3,370 5,705 37 985 2,100 3,215 5,440 38 930 1,985 3,035 5,130 39 910 1,945 2,975 5,035 40 850 1,825 2,790 4,725 41 810 1,745 2,670 4,525 42 790 1,705 2,610 4,420 43 735 1,595 2,445 4,140 44 695 1,495 2,295 3,895 45 670 1,445 2,220 3,765 46 620 1,340 2,060 3,495 47 575 1,250 1,925 3,265 48 540 1,180 1,820 3,085 49 485 1,065 1,645 2,795 50 435 955 1,475 2,515 Exclusions (Note: This list is non-exhaustive. Please refer to the policy documents for further information on exclusions) Benefits Death benefit Accidental death benefit TPD benefit Exclusions Death benefit shall not be payable if the life assured commits suicide (while sane or insane) within 12 months from the policy issue date or any later reinstatement date. In this case, the policy will be terminated and the total premiums paid will be refunded without interest. No additional accidental death benefit shall be paid if it is caused directly or indirectly, wholly or partly, or by any one of the following occurrences: i) Assault, murder, war, brawl ii) Self destruction while sane or insane iii) Military service in time of war or warlike operation iv) Making an arrest of an officer of the law v) Racing on horse or wheels or scuba diving vi) Misuse of drugs or alcohol vii) Ptomaines or bacterial infection or poison or gas viii) Air travel other than commercial flights No TPD benefit shall be payable if the total and permanent disability of the life assured resulted from the following: i) Self destruction while sane or insane ii) Air travel other than commercial flights iii) Declared or undeclared war iv) Opportunistic infection or a malignant neoplasm
Tax relief This policy may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board Malaysia. Important notes 1. This is a product brochure and is not a policy document. Please refer to the product disclosure sheet with illustration 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. The policy shall not have a guaranteed minimum cash value on termination until after you have paid premiums for 3 years and in force for full 3 years. 3. All premiums are fully payable up to the expiry of the policy s premium payment period or prior to death of the life assured (whichever earlier). Premiums can be paid on a monthly basis and the amount ranges between RM120, RM240, RM360 and RM600, depending on the chosen protection plan. Quarterly, half yearly and yearly premium payment methods are also available. 4. Premiums are guaranteed throughout the policy term. 5. If payment of premiums cease before the stipulated period, it may lead to early termination of coverage to the life assured. 6. If you terminate your policy in the early years, you may get back less than the amount that you have paid. 7. 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. 8. You are given a free look period of 15 days to review the suitability of your newly purchased insurance plan after delivery of the policy document. If you return the policy document to the insurer during this period, all premiums paid (less any medical examination fees) will be refunded to you and this policy document shall be cancelled. 9. This plan is underwritten by Sun Life Malaysia Assurance Berhad (197499-U), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013. 10. This plan is distributed by CIMB Bank Berhad (13491-P) and is located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia. Bijak & bersedia Kehidupan ini sangat berharga. Apakah hadiah yang lebih baik daripada peluang mengecapi nikmat hidup sepenuhnya? Kesempurnaan dan kebahagiaan hidup yang dinikmati hari ini mungkin tidak kekal buat selama-lamanya. Bagaimanapun, dengan adanya perlindungan insurans komprehensif sebagai jaring keselamatan sewaktu diperlukan, anda mempunyai kawalan yang lebih baik ke atas kehidupan. Sun Life Malaysia Bijak Malaysia Plus - Pilihan bijak anda Sun Life Malaysia Bijak Malaysia Plus adalah pelan sepanjang hayat tanpa-penyertaan yang dicipta untuk memenuhi perubahan keperluan anda di setiap peringkat kehidupan. Pelan dimampui ini menawarkan perlindungan yang tinggi sepanjang tempoh produktif/bekerja anda. Ia menyediakan bayaran tunai terjamin setiap tiga tahun bermula dari tahun polisi 1 hingga berumur 60. Selepas mencapai umur persaraan biasa 60 tahun, bayaran premium akan tamat tetapi anda akan terus menikmati perlindungan. Paling menarik, anda akan menerima bayaran tunai setiap tahun sehingga anda berumur 88 tahun! Kelebihan unik Walaupun terdapat banyak pelan insurans hayat menyeluruh yang menjadi saingan, Sun Life Malaysia Bijak Malaysia Plus ternyata lebih menyerlah daripada yang lain. Liputan perlindungan yang lebih baik sepanjang hayat Premium pada kadar yang berpatutan Liputan perlindungan tambahan sepanjang tempoh produktif/bekerja Bayaran tunai terjamin @ 5% daripada jumlah yang diinsuranskan: - Dari tahun polisi pertama sehingga usia 60 tahun: Bayaran tunai terjamin setiap tiga tahun - Usia 61 sehingga usia 88: Bayaran tunai terjamin tahunan Manfaat kematangan terjamin (jumlah penuh yang diinsuranskan akan dibayar) Pakej sedia ada, mudah dilanggani & tiada masalah (hanya memerlukan pengakuan kesihatan yang mudah) Inisiatif Persatuan Insurans Kebangsaan Malaysia (NIAM) Produk bankasurans dengan rangkaian pengedaran yang luas, untuk kemudahan anda
Manfaat-manfaat secara ringkas % jumlah yang diinsuranskan 2 tahun pertama polisi Tahun polisi ke-3 hingga usia 60 tahun Dari usia 61 hingga 65 tahun Seterusnya hingga 88 tahun Bayaran tunai setiap tiga tahun Bayaran tunai setiap tahun Manfaat kematangan Manfaat perlindungan 3 Manfaat kematian Sebab semula jadi Akibat kemalangan Manfaat hilang upaya menyeluruh & kekal (TPD) 1 Sebab semula jadi Akibat kemalangan 25% 2 500% 25% 2 200% 200% 500% 200% 200% 100% 250% 100% 100% 100% 100% Tiada Tiada Manfaat kelangsungan hidup 5% daripada jumlah yang diinsuranskan dibayar setiap tiga tahun sehingga usia 60 tahun 5% daripada jumlah yang diinsuranskan dibayar setiap tahun (dari usia 61 tahun hingga 88 tahun) 100% daripada jumlah yang diinsuranskan dibayar pada usia 88 tahun 1 Perlindungan bagi TPD tamat pada usia 65 tahun. 2 Lien hanya untuk kematian dan TPD atas sebab semula jadi dalam tempoh 2 tahun pertama polisi berkuatkuasa, disebabkan kekangan taja jamin. 3 Manfaat yang akan dibayar adalah jumlah yang diinsuranskan tertera dalam jadual; atau jumlah premium telah dibayar ditolak jumlah bayaran tunai terjamin telah dibayar sehingga tarikh kejadian, yang mana lebih tinggi. Di samping itu, pelan ini menyediakan bayaran tunai terjamin sebanyak 5% daripada jumlah yang diinsuranskan yang akan dibayar setiap 3 tahun dari tarikh polisi berkuatkuasa sehingga mencapai usia 60 tahun. Selepas itu, bayaran tunai terjamin berjumlah 5% daripada jumlah yang diinsuranskan akan dibayar setiap tahun demi anda menikmati tahuntahun keemasan sehingga usia 88 tahun. Apabila mencapai usia 88 tahun, anda akan menerima manfaat kematangan sebanyak 100% daripada jumlah yang diinsuranskan. Komisen Oleh sebab Sun Life Malaysia Bijak Malaysia Plus merupakan satu produk kategori bankasurans, kadar premium dan komisen yang perlu dibayar adalah antara yang paling rendah dalam industri. Jadual di bawah menunjukkan komisen yang ditanggung oleh pelanggan, yang akan dibayar daripada premium tahunan mereka. Ilustrasi di bawah mengandaikan orang yang diinsuranskan berumur 25 tahun, dengan tempoh polisi 63 tahun dan jumlah premium tahunan sebanyak RM1,440. Tahun polisi Kadar potongan premium untuk komisen Jumlah sebenar (RM) 1 20% 288 2 5% 72 3 5% 72 4 5% 72 5 5% 72 6 5% 72 7 5% 72 8 5% 72 9 5% 72 10 5% 72 Bonus prestasi dan bonus persistensi bagi 3 tahun polisi yang pertama akan dibayar dan ditanggung oleh pemilik polisi. PENDAFTARAN MUDAH Hanya borang pengakuan kesihatan ringkas diperlukan untuk bermula! Nikmati PERLINDUNGAN TAMBAHAN sepanjang tahun produktif! Nikmati BAYARAN TUNAI TAHUNAN selepas bersara. TEMPOH PEMBAYARAN PREMIUM TERHAD untuk menikmati perlindungan sepanjang hayat!
Jadual di bawah merupakan senarai contoh jumlah yang diinsuranskan dan bayaran tunai terjamin yang setimpal: Jumlah yang diinsuranskan Usia Premium bulanan (RM) penyertaan (Lelaki) 120 240 360 600 0 37,800 79,500 121,200 204,500 1 37,600 79,000 120,400 203,300 2 37,300 78,400 119,600 201,800 3 37,000 77,900 118,700 200,400 4 36,800 77,300 117,900 198,900 5 36,500 76,700 116,900 197,300 6 36,200 76,100 115,900 195,700 7 35,900 75,400 115,000 194,100 8 35,500 74,700 113,800 192,100 9 35,200 73,900 112,700 190,200 10 34,900 73,300 111,700 188,600 11 34,500 72,600 110,600 186,700 12 34,100 71,700 109,200 184,400 13 33,700 70,800 107,900 182,200 14 33,300 69,900 106,500 179,800 15 32,800 68,900 105,000 177,300 16 32,300 67,900 103,600 174,800 17 31,800 66,900 102,000 172,200 18 31,300 65,900 100,400 169,500 19 30,900 64,900 98,900 166,900 20 30,400 63,800 97,300 164,200 21 29,800 62,800 95,700 161,500 22 29,400 61,800 94,200 159,000 23 28,900 60,700 92,500 156,200 24 28,300 59,500 90,800 153,300 25 27,800 58,400 89,000 150,300 26 27,100 57,100 87,000 146,900 27 26,400 55,700 84,800 143,300 28 25,800 54,200 82,700 139,700 29 25,000 52,700 80,400 135,800 30 24,200 51,100 77,900 131,700 31 23,500 49,500 75,500 127,500 32 22,600 47,700 72,900 123,100 33 21,700 45,900 70,100 118,600 34 20,900 44,200 67,500 114,100 35 20,000 42,400 64,700 109,400 36 19,700 41,700 63,700 107,600 37 18,900 40,100 61,200 103,500 38 18,100 38,500 58,700 99,100 39 17,500 37,300 56,900 95,900 40 16,500 35,300 53,900 90,900 41 15,600 33,500 51,100 86,300 42 15,200 32,700 49,900 84,300 43 14,500 31,100 47,400 80,100 44 13,600 29,200 44,800 75,900 45 13,100 28,100 43,100 73,100 46 12,200 26,200 40,200 68,200 47 11,300 24,400 37,500 63,600 48 10,600 23,000 35,400 60,000 49 9,700 20,900 32,200 54,700 50 8,800 19,100 29,400 50,000 Jumlah yang diinsuranskan Usia penyertaan (Wanita) Premium bulanan (RM) 120 240 360 600 0 38,200 80,300 122,500 206,800 1 38,000 79,900 121,800 205,600 2 37,700 79,400 121,000 204,300 3 37,500 78,800 120,200 202,900 4 37,200 78,300 119,400 201,500 5 36,900 77,700 118,500 200,000 6 36,700 77,100 117,600 198,400 7 36,400 76,500 116,700 196,900 8 36,000 75,800 115,500 195,000 9 35,700 75,200 114,600 193,400 10 35,400 74,400 113,400 191,500 11 35,000 73,700 112,300 189,600 12 34,700 72,900 111,200 187,700 13 34,300 72,200 110,100 185,800 14 34,000 71,500 109,000 184,000 15 33,500 70,500 107,500 181,400 16 33,100 69,600 106,100 179,100 17 32,600 68,600 104,600 176,500 18 32,100 67,500 103,000 173,800 19 31,600 66,500 101,400 171,200 20 31,100 65,400 99,700 168,400 21 30,500 64,300 98,000 165,500 22 30,100 63,200 96,400 162,700 23 29,500 62,100 94,700 159,800 24 29,000 60,900 92,900 156,900 25 28,400 59,900 91,300 154,100 26 27,800 58,600 89,400 151,000 27 27,200 57,300 87,400 147,600 28 26,600 56,000 85,400 144,300 29 25,900 54,600 83,200 140,600 30 25,100 53,000 80,800 136,600 31 24,300 51,400 78,500 132,700 32 23,500 49,700 76,000 128,400 33 22,600 48,000 73,300 123,900 34 21,800 46,200 70,600 119,400 35 20,900 44,300 67,800 114,600 36 20,700 44,200 67,400 114,100 37 19,700 42,000 64,300 108,800 38 18,600 39,700 60,700 102,600 39 18,200 38,900 59,500 100,700 40 17,000 36,500 55,800 94,500 41 16,200 34,900 53,400 90,500 42 15,800 34,100 52,200 88,400 43 14,700 31,900 48,900 82,800 44 13,900 29,900 45,900 77,900 45 13,400 28,900 44,400 75,300 46 12,400 26,800 41,200 69,900 47 11,500 25,000 38,500 65,300 48 10,800 23,600 36,400 61,700 49 9,700 21,300 32,900 55,900 50 8,700 19,100 29,500 50,300
Bayaran tunai terjamin (setiap bayaran) Usia penyertaan (Lelaki) Premium bulanan (RM) 120 240 360 600 0 1,890 3,975 6,060 10,225 1 1,880 3,950 6,020 10,165 2 1,865 3,920 5,980 10,090 3 1,850 3,895 5,935 10,020 4 1,840 3,865 5,895 9,945 5 1,825 3,835 5,845 9,865 6 1,810 3,805 5,795 9,785 7 1,795 3,770 5,750 9,705 8 1,775 3,735 5,690 9,605 9 1,760 3,695 5,635 9,510 10 1,745 3,665 5,585 9,430 11 1,725 3,630 5,530 9,335 12 1,705 3,585 5,460 9,220 13 1,685 3,540 5,395 9,110 14 1,665 3,495 5,325 8,990 15 1,640 3,445 5,250 8,865 16 1,615 3,395 5,180 8,740 17 1,590 3,345 5,100 8,610 18 1,565 3,295 5,020 8,475 19 1,545 3,245 4,945 8,345 20 1,520 3,190 4,865 8,210 21 1,490 3,140 4,785 8,075 22 1,470 3,090 4,710 7,950 23 1,445 3,035 4,625 7,810 24 1,415 2,975 4,540 7,665 25 1,390 2,920 4,450 7,515 26 1,355 2,855 4,350 7,345 27 1,320 2,785 4,240 7,165 28 1,290 2,710 4,135 6,985 29 1,250 2,635 4,020 6,790 30 1,210 2,555 3,895 6,585 31 1,175 2,475 3,775 6,375 32 1,130 2,385 3,645 6,155 33 1,085 2,295 3,505 5,930 34 1,045 2,210 3,375 5,705 35 1,000 2,120 3,235 5,470 36 985 2,085 3,185 5,380 37 945 2,005 3,060 5,175 38 905 1,925 2,935 4,955 39 875 1,865 2,845 4,795 40 825 1,765 2,695 4,545 41 780 1,675 2,555 4,315 42 760 1,635 2,495 4,215 43 725 1,555 2,370 4,005 44 680 1,460 2,240 3,795 45 655 1,405 2,155 3,655 46 610 1,310 2,010 3,410 47 565 1,220 1,875 3,180 48 530 1,150 1,770 3,000 49 485 1,045 1,610 2,735 50 440 955 1,470 2,500 Bayaran tunai terjamin (setiap bayaran) Usia penyertaan (Wanita) Premium bulanan (RM) 120 240 360 600 0 1,910 4,015 6,125 10,340 1 1,900 3,995 6,090 10,280 2 1,885 3,970 6,050 10,215 3 1,875 3,940 6,010 10,145 4 1,860 3,915 5,970 10,075 5 1,845 3,885 5,925 10,000 6 1,835 3,855 5,880 9,920 7 1,820 3,825 5,835 9,845 8 1,800 3,790 5,775 9,750 9 1,785 3,760 5,730 9,670 10 1,770 3,720 5,670 9,575 11 1,750 3,685 5,615 9,480 12 1,735 3,645 5,560 9,385 13 1,715 3,610 5,505 9,290 14 1,700 3,575 5,450 9,200 15 1,675 3,525 5,375 9,070 16 1,655 3,480 5,305 8,955 17 1,630 3,430 5,230 8,825 18 1,605 3,375 5,150 8,690 19 1,580 3,325 5,070 8,560 20 1,555 3,270 4,985 8,420 21 1,525 3,215 4,900 8,275 22 1,505 3,160 4,820 8,135 23 1,475 3,105 4,735 7,990 24 1,450 3,045 4,645 7,845 25 1,420 2,995 4,565 7,705 26 1,390 2,930 4,470 7,550 27 1,360 2,865 4,370 7,380 28 1,330 2,800 4,270 7,215 29 1,295 2,730 4,160 7,030 30 1,255 2,650 4,040 6,830 31 1,215 2,570 3,925 6,635 32 1,175 2,485 3,800 6,420 33 1,130 2,400 3,665 6,195 34 1,090 2,310 3,530 5,970 35 1,045 2,215 3,390 5,730 36 1,035 2,210 3,370 5,705 37 985 2,100 3,215 5,440 38 930 1,985 3,035 5,130 39 910 1,945 2,975 5,035 40 850 1,825 2,790 4,725 41 810 1,745 2,670 4,525 42 790 1,705 2,610 4,420 43 735 1,595 2,445 4,140 44 695 1,495 2,295 3,895 45 670 1,445 2,220 3,765 46 620 1,340 2,060 3,495 47 575 1,250 1,925 3,265 48 540 1,180 1,820 3,085 49 485 1,065 1,645 2,795 50 435 955 1,475 2,515
Pengecualian-pengecualian (Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada dokumendokumen polisi untuk maklumat lanjut mengenai pengecualianpengecualian) Pelepasan cukai Polisi ini mungkin layak memberikan anda pelepasan cukai individu, tertakluk kepada keputusan muktamad oleh Lembaga Hasil Dalam Negeri Malaysia. Manfaat Manfaat kematian Manfaat kematian akibat kemalangan Manfaat TPD Pengecualian-pengecualian Manfaat kematian tidak akan dibayar sekiranya orang yang diinsuranskan membunuh diri (sama ada waras atau tidak waras) dalam tempoh 12 bulan dari tarikh polisi dikeluarkan atau mana-mana tarikh pengembalian semula yang terkemudian. Sekiranya ia berlaku, polisi akan ditamatkan dan jumlah premium yang dibayar akan dikembalikan tanpa faedah. Manfaat tambahan kematian akibat kemalangan tidak akan dibayar sekiranya kematian disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana satu yang berikut: i) Serangan, dibunuh, perang, pergaduhan ii) Mencederakan diri sendiri semasa waras atau tidak waras iii) Khidmat ketenteraan sewaktu perang atau operasi ketenteraan iv) Membuat tangkapan oleh pegawai undang-undang v) Perlumbaan kuda atau beroda atau selam skuba vi) Penyalahgunaan dadah atau alkohol vii) Jangkitan ptomaina atau bakteria atau racun atau gas viii) Perjalanan udara selain penerbangan komersial Tiada manfaat TPD akan dibayar sekiranya TPD orang yang diinsuranskan disebabkan oleh yang berikut: i) Mencederakan diri sendiri semasa waras atau tidak waras ii) Perjalanan udara selain penerbangan komersial iii) Perang yang diisytihar atau tidak diisytihar iv) Jangkitan oportunis atau neoplasma malignan Nota-nota penting 1. Ini adalah risalah produk dan bukan dokumen polisi. Sila rujuk kepada dokumen keterangan produk bersama ilustrasi untuk maklumat lanjut mengenai pelan dan juga dokumen polisi untuk terma-terma dan syarat-syarat lengkap di bawah pelan ini. Maklumat yang terkandung di dalam risalah ini boleh diubah tanpa notis terlebih dahulu. 2. Polisi ini tidak akan mempunyai nilai tunai terjamin minimum jika ditamatkan sebelum anda membayar premium untuk 3 tahun dan polisi telah berkuatkuasa selama 3 tahun. 3. Semua premium hendaklah dibayar sepenuhnya sehingga tamat tempoh bayaran premium polisi atau sebelum kematian orang yang diinsuranskan (yang mana lebih dahulu). Premium boleh dibayar setiap bulan dan jumlahnya adalah antara RM120, RM240, RM360 dan RM600, bergantung kepada pelan perlindungan yang dipilih. Bayaran premium secara suku tahunan, setengah tahunan dan tahunan disediakan. 4. Premium adalah dijamin sepanjang tempoh polisi. 5. Jika bayaran premium dihentikan sebelum tempoh yang ditetapkan, ia boleh menyebabkan perlindungan ke atas orang yang diinsuranskan ditamatkan lebih awal daripada tempoh yang sepatutntya. 6. Sekiranya anda membatalkan polisi anda pada tahun-tahun awal, anda mungkin mendapat kembali amaun yang kurang daripada jumlah yang telah anda bayar. 7. Anda seharusnya memastikan bahawa pelan ini memenuhi keperluan anda dan premium yang perlu dibayar di bawah pelan ini adalah amaun yang anda mampu bayar. 8. Anda diberi tempoh semakan percuma selama 15 hari bagi membolehkan anda mempertimbangkan semula kesesuaian dokumen polisi pelan insurans yang dibeli selepas dokumen polisi dihantar. Jika anda memulangkan dokumen polisi kepada penanggung insurans semasa tempoh ini, segala premium yang dibayar (tolak sebarang yuran pemeriksaan perubatan) akan dipulangkan kepada anda dan dokumen polisi ini akan dibatalkan. 9. Pelan ini ditaja jamin oleh Sun Life Malaysia Assurance Berhad (197499- U), penanggung insurans yang berdaftar dengan Bank Negara Malaysia di bawah Akta Perkhidmatan Kewangan 2013. 10. Pelan ini diedarkan oleh CIMB Bank Berhad (13491-P) dan berpejabat di Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.
未雨綢繆 明智之舉 有什麼禮物會比過著有意義的人生更美好? 目前看起來完美的生活不一定會持續至永遠 即便如此, 只要擁有一份綜合性保險保障作為您的財務安全網, 以備未來緊急之需, 生活就能更好的掌控在您手中 Sun Life Malaysia Bijak Malaysia Plus - 您正確的選擇 Sun Life Malaysia Bijak Malaysia Plus 是一項非分紅型終身保險計劃, 特為迎合您步入人生不同階段時不斷改變的需求而設 這項價格合理的計劃在您人生最具生產力 / 工作能力的階段提供高保障 自第一個保單年起至您年屆 60 歲, 它每 3 年給付一次受保證的現金付款 當您步入 60 歲的退休年齡後, 雖然隨之停止繳付保費, 但是您還是繼續享有保障 最重要的是, 您將繼續獲得年度保證現金付款, 直至 88 歲為止! 利益一覽表 3 保障利益 保額之 死亡利益 1 完全及永久殘障利益 百分比 自然原因 意外原因 自然原因 意外原因 首 2 個保單年 25% 2 500% 25% 2 200% 第 3 個保單年至 60 歲 200% 500% 200% 200% 61 歲至 65 歲 100% 250% 100% 100% 之後至 88 歲 100% 100% 無 無 生存利益 每 3 年一次的現金付款 保額之 5% 將每 3 年給付一次, 直到 60 歲 保單特點 市場上許多終生壽險計劃都聲稱各自的產品為最好, 但 Sun Life Malaysia Bijak Malaysia Plus 肯定能在其中脫穎而出 每年一次的 現金付款 期滿利益 保額之 5% 將每年 給付一次 ( 從 61 歲至 88 歲 ) 100% 之保額將在 88 歲時給付 終生人壽保障 負擔得起的保費數額 在高生產率的工作年期間享有額外的保障 受保證的現金付款, 即保額之 5%: - 第一個保單年至 60 歲 : 每 3 年給付一次受保證的現金付款 - 61 歲至 88 歲 : 每年給付受保證的現金付款 受保證的期滿利益 ( 給付保單之總保額 ) 預先配套, 簡易而無煩惱的申請程序 ( 只須填寫簡單的健康聲明表格 ) 1 完全及永久殘障 (TPD) 保障將於 65 歲時終止 2 保額留置條款 (Lien Provision) 只在保單開始後的首兩年實施於因自然因素而導致的死亡及完全及永久殘障 (TPD), 因承保制約 3 所給付的利益為以上所列的保額 ; 或直到發生事故時在扣除了已給付的保證現金付款之後所剩的已繳付總保費, 視何者為高 此外, 這項計劃也將由第一個保單年開始直至 60 歲, 每三年一次給付相等於保額之 5% 的保證現金付款 之後, 您將每一年獲得一次相等於保額之 5% 的保證現金付款直至 88 歲 這筆錢可讓您用來安享晚年 當您屆滿 88 歲, 您將會收到高達 100% 保額的期滿利益 由 National Insurance Association of Malaysia (NIAM) 發起 擁有廣泛銷售網絡的銀行保險產品, 讓您感覺更方便
佣金 由於 Sun Life Malaysia Bijak Malaysia Plus 屬於銀行保險產品, 因此有關的保費及佣金是市場上的其中一個最低者 以下圖表顯示客戶所繳付的佣金, 其數額將從年度保費里扣除 以下圖表是根據一位 25 歲的受保人, 其保單期限為 63 年而年度保費則為 RM1,440 保單年 用以佣金而扣除的保費百分比 實際數額 (RM) 1 20% 288 2 5% 72 3 5% 72 4 5% 72 5 5% 72 6 5% 72 7 5% 72 8 5% 72 9 5% 72 10 5% 72 業績花紅和續保率花紅在合約期間的前三年是由保單持有人繳付與承擔 簡易申請僅需填寫簡單的健康申明表 在高生產率的工作年期間享有額外保障 在退休後每年享有受保證的現金付款 有限的保費繳付期來享有終身保障 下列圖表提供保額樣本及所給付的保證現金付款 : 保額 投保年齡 每月保費 (RM) ( 男性 ) 120 240 360 600 0 37,800 79,500 121,200 204,500 1 37,600 79,000 120,400 203,300 2 37,300 78,400 119,600 201,800 3 37,000 77,900 118,700 200,400 4 36,800 77,300 117,900 198,900 5 36,500 76,700 116,900 197,300 6 36,200 76,100 115,900 195,700 7 35,900 75,400 115,000 194,100 8 35,500 74,700 113,800 192,100 9 35,200 73,900 112,700 190,200 10 34,900 73,300 111,700 188,600 11 34,500 72,600 110,600 186,700 12 34,100 71,700 109,200 184,400 13 33,700 70,800 107,900 182,200 14 33,300 69,900 106,500 179,800 15 32,800 68,900 105,000 177,300 16 32,300 67,900 103,600 174,800 17 31,800 66,900 102,000 172,200 18 31,300 65,900 100,400 169,500 19 30,900 64,900 98,900 166,900 20 30,400 63,800 97,300 164,200 21 29,800 62,800 95,700 161,500 22 29,400 61,800 94,200 159,000 23 28,900 60,700 92,500 156,200 24 28,300 59,500 90,800 153,300 25 27,800 58,400 89,000 150,300 26 27,100 57,100 87,000 146,900 27 26,400 55,700 84,800 143,300 28 25,800 54,200 82,700 139,700 29 25,000 52,700 80,400 135,800 30 24,200 51,100 77,900 131,700 31 23,500 49,500 75,500 127,500 32 22,600 47,700 72,900 123,100 33 21,700 45,900 70,100 118,600 34 20,900 44,200 67,500 114,100 35 20,000 42,400 64,700 109,400 36 19,700 41,700 63,700 107,600 37 18,900 40,100 61,200 103,500 38 18,100 38,500 58,700 99,100 39 17,500 37,300 56,900 95,900 40 16,500 35,300 53,900 90,900 41 15,600 33,500 51,100 86,300 42 15,200 32,700 49,900 84,300 43 14,500 31,100 47,400 80,100 44 13,600 29,200 44,800 75,900 45 13,100 28,100 43,100 73,100 46 12,200 26,200 40,200 68,200 47 11,300 24,400 37,500 63,600 48 10,600 23,000 35,400 60,000 49 9,700 20,900 32,200 54,700 50 8,800 19,100 29,400 50,000
保額 投保年齡 每月保費 (RM) ( 女性 ) 120 240 360 600 0 38,200 80,300 122,500 206,800 1 38,000 79,900 121,800 205,600 2 37,700 79,400 121,000 204,300 3 37,500 78,800 120,200 202,900 4 37,200 78,300 119,400 201,500 5 36,900 77,700 118,500 200,000 6 36,700 77,100 117,600 198,400 7 36,400 76,500 116,700 196,900 8 36,000 75,800 115,500 195,000 9 35,700 75,200 114,600 193,400 10 35,400 74,400 113,400 191,500 11 35,000 73,700 112,300 189,600 12 34,700 72,900 111,200 187,700 13 34,300 72,200 110,100 185,800 14 34,000 71,500 109,000 184,000 15 33,500 70,500 107,500 181,400 16 33,100 69,600 106,100 179,100 17 32,600 68,600 104,600 176,500 18 32,100 67,500 103,000 173,800 19 31,600 66,500 101,400 171,200 20 31,100 65,400 99,700 168,400 21 30,500 64,300 98,000 165,500 22 30,100 63,200 96,400 162,700 23 29,500 62,100 94,700 159,800 24 29,000 60,900 92,900 156,900 25 28,400 59,900 91,300 154,100 26 27,800 58,600 89,400 151,000 27 27,200 57,300 87,400 147,600 28 26,600 56,000 85,400 144,300 29 25,900 54,600 83,200 140,600 30 25,100 53,000 80,800 136,600 31 24,300 51,400 78,500 132,700 32 23,500 49,700 76,000 128,400 33 22,600 48,000 73,300 123,900 34 21,800 46,200 70,600 119,400 35 20,900 44,300 67,800 114,600 36 20,700 44,200 67,400 114,100 37 19,700 42,000 64,300 108,800 38 18,600 39,700 60,700 102,600 39 18,200 38,900 59,500 100,700 40 17,000 36,500 55,800 94,500 41 16,200 34,900 53,400 90,500 42 15,800 34,100 52,200 88,400 43 14,700 31,900 48,900 82,800 44 13,900 29,900 45,900 77,900 45 13,400 28,900 44,400 75,300 46 12,400 26,800 41,200 69,900 47 11,500 25,000 38,500 65,300 48 10,800 23,600 36,400 61,700 49 9,700 21,300 32,900 55,900 50 8,700 19,100 29,500 50,300 受保證的現金付款 ( 每一次的數額 ) 投保年齡 每月保費 (RM) ( 男性 ) 120 240 360 600 0 1,890 3,975 6,060 10,225 1 1,880 3,950 6,020 10,165 2 1,865 3,920 5,980 10,090 3 1,850 3,895 5,935 10,020 4 1,840 3,865 5,895 9,945 5 1,825 3,835 5,845 9,865 6 1,810 3,805 5,795 9,785 7 1,795 3,770 5,750 9,705 8 1,775 3,735 5,690 9,605 9 1,760 3,695 5,635 9,510 10 1,745 3,665 5,585 9,430 11 1,725 3,630 5,530 9,335 12 1,705 3,585 5,460 9,220 13 1,685 3,540 5,395 9,110 14 1,665 3,495 5,325 8,990 15 1,640 3,445 5,250 8,865 16 1,615 3,395 5,180 8,740 17 1,590 3,345 5,100 8,610 18 1,565 3,295 5,020 8,475 19 1,545 3,245 4,945 8,345 20 1,520 3,190 4,865 8,210 21 1,490 3,140 4,785 8,075 22 1,470 3,090 4,710 7,950 23 1,445 3,035 4,625 7,810 24 1,415 2,975 4,540 7,665 25 1,390 2,920 4,450 7,515 26 1,355 2,855 4,350 7,345 27 1,320 2,785 4,240 7,165 28 1,290 2,710 4,135 6,985 29 1,250 2,635 4,020 6,790 30 1,210 2,555 3,895 6,585 31 1,175 2,475 3,775 6,375 32 1,130 2,385 3,645 6,155 33 1,085 2,295 3,505 5,930 34 1,045 2,210 3,375 5,705 35 1,000 2,120 3,235 5,470 36 985 2,085 3,185 5,380 37 945 2,005 3,060 5,175 38 905 1,925 2,935 4,955 39 875 1,865 2,845 4,795 40 825 1,765 2,695 4,545 41 780 1,675 2,555 4,315 42 760 1,635 2,495 4,215 43 725 1,555 2,370 4,005 44 680 1,460 2,240 3,795 45 655 1,405 2,155 3,655 46 610 1,310 2,010 3,410 47 565 1,220 1,875 3,180 48 530 1,150 1,770 3,000 49 485 1,045 1,610 2,735 50 440 955 1,470 2,500
受保證的現金付款 ( 每一次的數額 ) 不受保事項 投保年齡 每月保費 (RM) ( 女性 ) 120 240 360 600 0 1,910 4,015 6,125 10,340 1 1,900 3,995 6,090 10,280 2 1,885 3,970 6,050 10,215 3 1,875 3,940 6,010 10,145 4 1,860 3,915 5,970 10,075 5 1,845 3,885 5,925 10,000 6 1,835 3,855 5,880 9,920 7 1,820 3,825 5,835 9,845 8 1,800 3,790 5,775 9,750 9 1,785 3,760 5,730 9,670 10 1,770 3,720 5,670 9,575 11 1,750 3,685 5,615 9,480 12 1,735 3,645 5,560 9,385 13 1,715 3,610 5,505 9,290 14 1,700 3,575 5,450 9,200 15 1,675 3,525 5,375 9,070 16 1,655 3,480 5,305 8,955 17 1,630 3,430 5,230 8,825 18 1,605 3,375 5,150 8,690 19 1,580 3,325 5,070 8,560 20 1,555 3,270 4,985 8,420 21 1,525 3,215 4,900 8,275 22 1,505 3,160 4,820 8,135 23 1,475 3,105 4,735 7,990 24 1,450 3,045 4,645 7,845 25 1,420 2,995 4,565 7,705 26 1,390 2,930 4,470 7,550 27 1,360 2,865 4,370 7,380 28 1,330 2,800 4,270 7,215 29 1,295 2,730 4,160 7,030 30 1,255 2,650 4,040 6,830 31 1,215 2,570 3,925 6,635 32 1,175 2,485 3,800 6,420 33 1,130 2,400 3,665 6,195 34 1,090 2,310 3,530 5,970 35 1,045 2,215 3,390 5,730 36 1,035 2,210 3,370 5,705 37 985 2,100 3,215 5,440 38 930 1,985 3,035 5,130 39 910 1,945 2,975 5,035 40 850 1,825 2,790 4,725 41 810 1,745 2,670 4,525 42 790 1,705 2,610 4,420 43 735 1,595 2,445 4,140 44 695 1,495 2,295 3,895 45 670 1,445 2,220 3,765 46 620 1,340 2,060 3,495 47 575 1,250 1,925 3,265 48 540 1,180 1,820 3,085 49 485 1,065 1,645 2,795 50 435 955 1,475 2,515 ( 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 ) 保障 死亡利益 意外死亡利益 完全及永久殘障利益 稅務減免 不受保事項 如果受保人在保單發出日或任何之後的複效日算起的 12 個月內因自殺 ( 無論神智清醒或精神失常 ), 將不給付死亡利益 在這情況下, 保單將被終止並全數退還已繳付但不含利息之保費 如果因為以下任何直接或間接 完全或部分的原因造成意外死亡, 額外意外死亡利益將不理賠 : i) 毆打 謀殺 戰爭 爭吵 ii) 自我毀滅無論神智清醒或精神失常 iii) 服兵役時戰爭或類似戰爭的行為 iv) 被法律的官員逮捕 v) 賽車或賽馬或潛水 vi) 濫用藥物或酒精 vii) 細菌感染或中毒或煤氣 viii) 除了商業航空之外的空中飛行 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) 自我毀滅無論神智清醒或精神失常 ii) 除了商業航空之外的空中飛行 iii) 申報或不申報的戰爭 iv) 機會性感染或惡性腫瘤 此保單可能讓您享有個人稅務減免, 但最終決定乃根據馬來西亞內陸稅收局的指示而定 重要注釋 1. 這是產品簡介手冊, 並非保單合約文件 請參閱產品披露說明書內的說明以獲知更多有關保單和合約文件的詳細資訊, 進而全面瞭解這項保單的條款與條件 此手冊所載的資訊可能會在沒有給予通知的情況下更改 2. 此保單在退保時並沒有受保證的最低現金價值, 除非您已繳付至少 3 年的保費并生效已滿 3 年 3. 保費付款必須繼續至完成整個保費繳付期或至受保人死亡 ( 視何者為先 ) 保費可以按月繳付, 其數額介於 RM120 RM240 RM360 及 RM600 之間, 須視有關的保障計劃而定 ; 並可按照每季, 每半年及每年的方式繳付 4. 保費在保單期限內受到保證 5. 若在有關的期限內停止繳付保費, 可能會造成受保人的保障提前結束 6. 若在合約生效初期斷保, 您可取回的數額可能會比已繳付的數額來得低 7. 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是您所能負擔的 8. 在保單發出後, 您將享有 15 天的免費閱覽期以檢閱您的新保單是否符合您的需求 若您在這段期間內將保單退還給承保公司, 所有已繳付之保費 ( 扣除任何醫藥檢驗開銷 ) 將會退還給您, 而這份保單契約將被撤消 9. 這項保單是由 Sun Life Malaysia Assurance Berhad (197499-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 10. 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, 50350 Kuala Lumpur, Malaysia.
Plus Underwritten by: Sun Life Malaysia Assurance Berhad (197499-U) Level 11, 338 Jalan Tuanku Abdul Rahman 50100 Kuala Lumpur, Malaysia Telephone (603) 2612 3600 Facsimile (603) 2698 7035 Customer Careline 1300-88-5055 sunlifemalaysia.com A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd September 2014