AssureCare
AssureCare is a whole life critical illnesses policy which participates in distribution of surplus of the company in the form of cash dividends and terminal dividends.
What is the coverage provided by AssusreCare?
The basic policy provides coverage for
a)36 Critical Illnesses
b)Total Permanent Disability (TPD) prior to age 60 and death.
c) Critical Illness Income Benefit
d) Child Critical Illness Benefit
If diagnosed with one of the 36 critical illnesses, TPD or death, you or your loved ones will receive a lump sum benefit comprising the higher of the sum assured or total annual premium paid, plus any accumulated cash dividends and terminal dividend. As for the Critical Illness Income benefit, we will pay 20% of the basic sum assured annually for 5 years.
Unique Product features of AssureCare
CI/TPD/Death Protection
-The first occurence of CI, TPD before 60 or death
-Higher of basic sum assured or the total annual premium paid
-For TPD, it is subject to a max of RM 1.25 million
Critical Illness
-20% of basic sum asssured will be payable annually for 5 years
Free Child Critical Illness Benefit
-The first 3 children of insured
-20% of basic sum assured, subject to a maximum of RM25,000 per claim
-Child CI Benefit will not reduce the basic sum assured of insured
Guaranteed premium until age 100
-Your premium are fixed and guaranteed to remain the same throughout the entire duration of your policy
Non-guaranteed Cash Dividend
-Dividend, if any, is declared annually starting from the end of 3rd policy year onwards.
Non-guaranteed terminal divedend
-Terminal Dividend will be one off payment payable upon death, TPD, CI, maturity or surrender.
Maturity Benefit
-Basic cash value
-Accumulated Non-guatanteed Cash Dividend, if any;
-Non guarateed Terminal Dividend, if any.
Surrender Benefit
-Basic cash value
-Accumulated non-guarateed Cash Dividend, if any;
-Non guaranteed Terminal Dividend, if any
Riders Attachable
-Payor benefit rider
-This rider will waive the future premiums as AssureCare until 23 of your child or your age 80, whichever is earlier. in the event of TPD before age 60, diagnosed with Critical Illnesses or death
ValuePac
http://www.axa-affin.com/axa-affin/axa-affin.nsf/Content/ValuePac
ValuePac is a non-participating regular premium term plan that provides coverage on death and total and permanent disability. the sum assured is payable on the first occurence of death or TPD. the coverage terms available are 5years, 10 years, 15 years, 20 years or up to age 60.
Dimension
http://www.axa-affin.com/axa-affin/axa-affin.nsf/Content/Dimension
Dimension is a 20-pay whole life plan which participates in distribution of surplus of the company. it is an innovative plan that combines guaranteed lifetime income with potentially higher return from investment-linked funds. it is further enhanced by providing a conversation option that can shorten the premium commitment to 10 years.
The unique features
-Guaranteed Annual Income to assure steady wealth accumulation-you will receive guaranteed annual income equivalent to 4% of the basic sum insured, every year starting from the end of the 10th policy year until age 100.
-Annual Dividends to enhance your wealth accumulation.
-Life protection up to age 100-in the unfortunate event of death or Total and Permanent Disability (TPD) prior to age 60, you or your beneficiary will receive the basic sum insured, terminal dividend (if any) plus your account value.
-Fixed basic premium payable for 20 years only.
-Conversation option is available to shorten your premium commitment to 10 years.
-Flexible choice of investment funds to suit your investment plan.
-Options to top up your investment regularly or make lump sum investment at any time (not available at the moment).
-Flexibility to switch your investment from one fund to another and withdraw your investment anytime.
-A wide range supplementary protection is available to meet your needs
HoneyPot
http://www.axa-affin.com/axa-affin/axa-affin.nsf/Content/HoneyPot
Honey&HoneyPlus
http://www.axa-affin.com/axa-affin/axa-affin.nsf/Content/Honey
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