With AmCash Guarantee 21, you may enjoy protection against death, critical illness and total and permanent disabilityguaranteed cash payouts at regular 3-year intervalsa sizeable lump sum benefit upon maturitymoney to fulfill your commitments and realize your dreamMinimum age of entry : 1 years old Maximum age of entry : 50 years old Policy/Premium Term : 21 years Minimum sum assured : RM10,000
Life Insurance Coverage In the event of death;Basic Sum AssuredAccumulated Cash Dividends*Terminal Dividends*are payable to your loved ones assisting them to weather the unexpected financial storm.
Income Replacement Coverage Upon Total Permanent Disability (TPD) before age 65;Basic Sum AssuredAccumulated Cash Dividends*Terminal Dividends*are payable to cushion the financial shock experienced by you and your family.
Dread Disease Coverage When diagnosed with Critical Illness# before age 70;Basic Sum AssuredAccumulated Cash Dividends*Terminal Dividends*are payable to reduce your financial burden and increase possibility to seek better medical treatment.
Guaranteed Survival Benefi t (GSB)*** From the end of 3rd policy year onwards, you will enjoy cash payment that is:GuaranteedPayable at 3 years intervalsTax freeThe money is at your disposal in fulfi lling your commitments or realising your dreams.
Maturity Benefit Upon completion of the 21-year policy term, you will obtain:The balance 42% of Basic Sum AssuredAccumulated Cash Dividends*Terminal Dividends*One more good reason for you to celebrate the sunny side of your life!
Cash Dividends* Cash dividends may be declared annually from the end of 3rd policy year. You have the option to:Leave with the company to accumulate with interestWithdraw the moneyIf no option is chosen, the default option shall be Option 1. Terminal Dividends* Terminal dividends may be payable upon:-Death/TPDDiagnosis of critical illnessMaturitySurrender
Other Benefits Guaranteed Premium Your basic premium rate shall remain the same throughout the entire duration of your protection.
Policy Loan You can take up policy loan in times of need after the policy has cash value.
Optional Protection Riders Enhance your protection by attaching rider(s) to this plan. The riders include:Deferred Disability Income (DDI), Payor Benefit, Rider (PBR),Payor Level Term Rider (PLTR), Payor Dread Disease Waiver of Premium (PDWP), Payor Critical Illness Term Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider (CIT), Hospital Benefi t Rider (HBR), Health Management Rider (HMR), Maternity Rider (MR), Accidental Death Benefi t (AB), Comprehensive Accident Indemnity (CAI) and Dread Disease Waiver of Premium for TANR & LTR (DWPD).
Enjoy discounts on your premiums for sum assureds above RM50,000 Premiums paid are tax deductible Cash Dividends are projected to accumulate at 6.5% p.a. Pay advance premium for the policy and enjoy the interest rate currently at 4% p.a. Enjoy the flexibility of withdrawing the advance premium paid
* Cash Dividends and Terminal Dividends are not guaranteed and are subject to Company's performance. ** Plan matures after 21 policy years or expires in the event of Death/TPD/Diagnosis of Critical Illness, when claim is payable. *** GSB will accumulate with interest if left with the Company. # 36 Critical Illnesses as stated in the contract.
Credit: amassurance.com.my
