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Zurich FlexiLife Plus is a regular premium investment-linked plan thoughtfully created to take into account different life stages, maturing when the life assured reaches the age of 100. It rewards you with a Loyalty Bonus, and offers more than your expectations with No Lapse Benefit. It also enhances your protection at different life events. With a plan like this, we take good care of you no matter how old you are.
(You can be insured if you are between 30 days and 69 years old. However, the policyholder must be at least 18 years old.)
FLEXIBLE
Flexibility in managing your protection and investment needs
Apart from its all-in-one comprehensive plan, it accommodates changes to meet your life stage needs. You can increase or decrease your sum assured and premium anytime; choose or switch funds according to your risk tolerance level.
REWARDING
Loyalty Bonus*
You'll get rewarded with a Loyalty Bonus of 0.5% of the average monthly account value over the last 5 premium years. This will be paid to you every 5 premium years in the form of units, until policy expires at the age of 100, as long as the full premiums are being paid on time.
UNDERSTANDING
No Lapse Benefit for the first 3 policy years*
We understand that protection is important to you, so we allow the policy to continue to be in-force and provide coverage within the first three (3) policy years even if your investment account value is insufficient to cover the cost of insurance and monthly fee charges.
ENHANCING
Guaranteed Insurability Option*
We are taking care of your protection needs at different life events by providing the Guaranteed Insurability Option for you. Upon your request, this option allows you to increase your basic sum assured up to 20% of the original basic sum assured in every life event without underwriting. These life events are marriage, birth of child or legally adopting child, buying a house or death of a spouse. The basic sum assured will increase up to 100% or RM500,000 whichever is lower, with a maximum of 5 events.
Below is a sample benefit table for:
AGE: 24 to 27, male
JOB: office admin, non-smoker
RM200/month or RM2,400/year
Benefits covered
- Waiver of premium -RM2,400
Upon diagnosed from any one of the 36 dread diseases, the premiums payable under the Basic Policy in the event of the Insured will be waived.
- Life/Total Permenant Disabled -RM200,000
In the event of the Insured is no longer around or permenant disabled, a lump-sum of money will be paid either to the Insured or the beneficiary.
- Personal Accident -RM100,000
Provides coverage for death or permanent disability/dismemberment of the insured due to accident during the rider coverage term.
- Critical Illness Super Rider -RM100,000
Provides additional coverage in the event that the Insured is first diagnosed to be suffering from any of the 36 dread diseases. The rider sum assured, or a portion for certain dread diseases is PAYABLE upfront.
- Hospital Income Plus Rider -RM100
Provides a fixed daily hospital income benefit in the event of hospitalisation due to illness or injury on the Insured. All benefits provided in this rider are applicable worldwide for 24 hours a day.
- Flex Medical (cashless card)
Provides coverage on hospitalisation and surgical expenses incurred due to accidental injuries or illnesses covered under the plan. Besides, this plan also provides international assistance on medical, referral services on travel, car or home assistance with the Emergency Assistance Programme (EAP).
Annual Limit- RM125,000
*No lifetime limit*
Room & Board- RM210
We only show up to age 56 because the system can project investment return for up to 30 years.
This plan can last up to the Insured is age 100, as long as there is still cash value.
Thank you for your time.
(You can be insured if you are between 30 days and 69 years old. However, the policyholder must be at least 18 years old.)
FLEXIBLE
Flexibility in managing your protection and investment needs
Apart from its all-in-one comprehensive plan, it accommodates changes to meet your life stage needs. You can increase or decrease your sum assured and premium anytime; choose or switch funds according to your risk tolerance level.
REWARDING
Loyalty Bonus*
You'll get rewarded with a Loyalty Bonus of 0.5% of the average monthly account value over the last 5 premium years. This will be paid to you every 5 premium years in the form of units, until policy expires at the age of 100, as long as the full premiums are being paid on time.
UNDERSTANDING
No Lapse Benefit for the first 3 policy years*
We understand that protection is important to you, so we allow the policy to continue to be in-force and provide coverage within the first three (3) policy years even if your investment account value is insufficient to cover the cost of insurance and monthly fee charges.
ENHANCING
Guaranteed Insurability Option*
We are taking care of your protection needs at different life events by providing the Guaranteed Insurability Option for you. Upon your request, this option allows you to increase your basic sum assured up to 20% of the original basic sum assured in every life event without underwriting. These life events are marriage, birth of child or legally adopting child, buying a house or death of a spouse. The basic sum assured will increase up to 100% or RM500,000 whichever is lower, with a maximum of 5 events.
Below is a sample benefit table for:
AGE: 24 to 27, male
JOB: office admin, non-smoker
RM200/month or RM2,400/year
Benefits covered
- Waiver of premium -RM2,400
Upon diagnosed from any one of the 36 dread diseases, the premiums payable under the Basic Policy in the event of the Insured will be waived.
- Life/Total Permenant Disabled -RM200,000
In the event of the Insured is no longer around or permenant disabled, a lump-sum of money will be paid either to the Insured or the beneficiary.
- Personal Accident -RM100,000
Provides coverage for death or permanent disability/dismemberment of the insured due to accident during the rider coverage term.
- Critical Illness Super Rider -RM100,000
Provides additional coverage in the event that the Insured is first diagnosed to be suffering from any of the 36 dread diseases. The rider sum assured, or a portion for certain dread diseases is PAYABLE upfront.
- Hospital Income Plus Rider -RM100
Provides a fixed daily hospital income benefit in the event of hospitalisation due to illness or injury on the Insured. All benefits provided in this rider are applicable worldwide for 24 hours a day.
- Flex Medical (cashless card)
Provides coverage on hospitalisation and surgical expenses incurred due to accidental injuries or illnesses covered under the plan. Besides, this plan also provides international assistance on medical, referral services on travel, car or home assistance with the Emergency Assistance Programme (EAP).
Annual Limit- RM125,000
*No lifetime limit*
Room & Board- RM210
We only show up to age 56 because the system can project investment return for up to 30 years.
This plan can last up to the Insured is age 100, as long as there is still cash value.
Thank you for your time.
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