Ambank Cash 21

[wfl]

https://www.amassurance.com.my/src/html/am_phase2/product_page_life.php?htmlfile=l_amcash.html

AmCash Guarantee 21 AmCash Guarantee 21 - Rain or Shine, AmCash Guarantee 21 will surely be there to benefit you.

With AmCash Guarantee 21, you may enjoy

* protection against death, critical illness and total and permanent disability
* guaranteed cash payouts at regular 3-year intervals
* a sizeable lump sum benefit upon maturity
* money to fulfill your commitments and realize your dream

Minimum 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 Assured
* Accumulated 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 Assured
* Accumulated 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 Assured
* Accumulated 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:

* Guaranteed
* Payable at 3 years intervals
* Tax free

The 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 Assured
* Accumulated 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:

1. Leave with the company to accumulate with interest
2. Withdraw the money
If no option is chosen, the default option shall be Option 1.
Terminal Dividends*
Terminal dividends may be payable upon:-
* Death/TPD
* Diagnosis of critical illness
* Maturity
* Surrender


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.

 

[wfl]

ambank am-flexi, sape penah dengar??

https://www.amassurance.com.my/src/html/am_phase2/product_page_life.php?htmlfile=l_amflexi.html


AmFlexi With AmFlexi or AmFlexi Education, there are 4 more reasons for you to Smile!

1. With AmFlexi or AmFlexi Education, you're assured with a comprehensive protection plan that also secures your personal retirement life stage or the funding of your child's education.
2. For as low as RM1,200 per year (equivalent to RM100 per month), your savings are managed by AmAssurance's fund professionals. With this, AmFlexi or AmFlexi Education gives you the potential upside of the market. So, no worries!
3. Like its name, AmFlexi or AmFlexi Education offers you absolute control of your living cash benefits withdrawal in terms of the amount and timing.
4. With AmFlexi or AmFlexi Education, you gain instant personal income tax relief
* on your total premiums paid*subject to eligibility from Inland Revenue Board.

Basic Plan Benefits
In the event of Death or Total and Permanent Disability (TPD), the benefits payable will be higher of: the basic Sum Assured, or the Fund Value For a child plan, in the event of Death or TPD to the child before age of 3, the proportion of the basic sum assured paid is: % of Basic Sum Assured Age Next Birthday 25 % 1 50% 2 75% 3 TPD benefits will continue up to age 65. The sum assured payable is the above, subject to a minimum of the fund value.

Simply More Benefits
Elevate the power of your policy by adding the following riders to fit your needs. Any standard rider below is subject to normal underwriting guidelines:

* Dread Disease Waiver of Premium (DWP)
* Deferred Disability Income (DDI)
* Payor Level Term Rider (PLTR)
* Payor Dread Disease Waiver of Premium (PDWP)
* Payor Critical Illness Term Rider (PCIT)
* Payor Benefit Rider (PBR)
* Level Term Rider (LTR)
* Critical Illness Term Rider (CIT)
* Hospital Benefit Rider (HBR)
* Health Management Rider (HMR)
* Maternity Rider (MR)
* Accidental Death Benefit (AB)
* Comprehensive Accident Indemnity Benefit (CAI)
* Dread Disease Waiver of Premium for TANR (DWPD)


AmFlexi Product FAQ's
What's AmFlexi?
If you are between 16 to 60 years old and in the look out for that special and unique retirement plan, look no further! AmFlexi is that perfect solution tailored just for you. Not only does it allow you to enjoy insurance coverage but lets you top up1 and earn money2 from it. A unique way to grow your savings while simultaneously, ensuring that you are financially and emotionally safe up to your retirement years. One of the great advantages of AmFlexi is that you have the option to make a regular or single top up (by cash or cheque). Regular or single top up is an additional premium paid for investment / savings while the basic policy is in force and when the basic premium is paid. You may maximize your investment / savings value by minimizing the annual premium and maximizing the top-up premiums. 1. Top Ups are subject to 3.75% initial charge. 2. Returns on top ups are not guaranteed and subject to investment performance.

What's AmFlexi Education?
AmFlexi Education is a comprehensive education insurance plan offered to any child aged 1 to 15 years old. It aims to provide our children with the gift of life - education and protection. It's so flexible that when your child reaches 25 years old, he or she may choose to extend the protection term coverage and savings to a whole life plan. You may also have the flexibility to top up the policy to meet your children's education needs or when you have a higher disposable income.

How does the top up work for me?
AmFlexi or AmFlexi Education gives you that special unique flexible option to top up and / or make partial withdrawals of the top up at any time and at any amount throughout the term of the policy**. ** The minimum balance of fund value amount should not be lesser than RM1000 and the minimum amount for every withdrawal is at least RM300. For example, you may withdraw up to 25% of the fund value at the 10th policy year and thereafter, for the purpose of your retirement or education.

How much premium do I have to pay?
For a minimum of RM1,200 per year (equivalent to RM100 per month), your protection sum assured coverage is worth up to 10 times# of the annual premium paid. What's more, you'll have our Fund Professionals managing your money. #7 times for 56-60 years old, 10 times for 1 to 55 years old. What else do I get?You may also pay advanced premium for AmFlexi or AmFlexi Education and enjoy the interest rate currently at 4% p.a.. Enjoy the flexibility of withdrawing the advanced premium paid at the policy anniversary date.

 

[dinno78]

sy agen ambank...