SAVINGS & LIFE PROTECTION

eLife Protector+

Fuss-free term life insurance you can buy online

Your family is the most important asset you can protect. Nobody can predict what may happen tomorrow. A single unfortunate event can change your family’s life forever. You can’t stop it, but you can take proactive steps to protect their financial future.

eLife Protector+ is a yearly renewable pure protection plan up to age 75.

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Benefits

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

Death & TPD benefit

Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.

Accidental death benefit

An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.

Automatic yearly renewal

This product is auto-renewed yearly until the age of 75 years, provided that premiums are paid on time.

If Death or TPD due to accidental causes occurs before age 70, we shall pay you the following in addition to the Death or TPD benefit respectively: ​ ​

If Accidental Death and TPD, 100% of sum insured will be payable. ​

If Accidental Death in or on Public Conveyance of Land Transportation, 200% of sum insured will be payable. ​

If Accidental Death in or on Public Conveyance of Water or Air Transportation, 300% of sum insured will be payable. ​

If Accidental Death in or on Public Conveyance during Public Holiday, 400% of sum insured will be payable.

Death & TPD benefit

Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.

Accidental death benefit

An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.

Automatic yearly renewal

This product is auto-renewed yearly until the age of 75 years, provided that premiums are paid on time.

Death & TPD benefit

Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.

Accidental death benefit

An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.

Flexible sum insured

Choose a pay-out amount starting from RM25,000 to RM500,000.

Easy and simple sign-up

Just answer 4 simple questions. No medical examinations required!

Maturity benefit

Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your Account Value (if any).

Loyalty bonus

Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited to your account value.

Loyalty booster

On 20th policy anniversary, an additional 20% of the average monthly account value over the last 10 years will be credited to your account value.

Guaranteed renewal

Your policy is guaranteed to be renewed up to age 100 at your option and without underwriting.

Short Term Financial Commitment

Start and end your financial commitment early so that you can enjoy life now! Aspire Invest requires 5 years premium payment term only and you can harvest your investment returns after 15, 20 or 30 years.

Death or Total & Permanent Disability (TPD) Benefit

Protect you and your family against any unforeseen circumstances that might happen to you such as death or TPD before age 70.

Additional Accidental Death or TPD Benefit

In the event of an accident that causes death or TPD before age 70, we will pay an additional 100% of the total premium paid, and subject to RM 2,000,000 per life.

Potential dividends to enhance your wealth accumulation

Receive additional non-guaranteed cash dividends that is projected to be payable from the end of the 2nd policy year.

Further potential upsides

Enjoy the flexibility to invest your guaranteed annual income and non-guaranteed cash dividends into our professionally managed investment funds to enhance your returns.

Lump sum benefit at maturity

Receive lump sum payment of basic sum insured, non-guaranteed terminal dividend (if any), accumulated annual income (if any) and accumulated non-guaranteed cash dividends (if any) at maturity.

Further potential upsides

Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.

Lump sum benefit at maturity

Upon maturity, you will receive the lump sum payment of basic sum insured as well as non-guaranteed terminal dividend, accumulated cash endowment, and accumulated non-guaranteed cash dividends (if any).

Option to enhance protection by adding supplements

You can enhance your protection by combining PaySaver+ with Payor Benefit Add-ons, Waiver of Premium Add-ons or Spouse Payor Benefit Add-ons to enhance your protection. While additional premiums are required for supplementary protection, your premiums will be waived should an unexpected event happen to you.

What we do not cover

1.       Death due to suicide within 1 year from the Issued Date.

2.       TPD due to suicide, attempted suicide or self-inflicted injuries, while sane or insane.

3.       Death due to accidental causes which has resulted from any pre-existing, or recurring, injury or disablement which the Insured suffered prior to Issue Date.

For the full list of exclusions, kindly refer to our fact sheet, available for download below.

This product is not for you if...

1.     You are aged below 16 or above 55.

2.     You work with heavy machinery/in high-risk occupations.

3.     You are classified as ‘obese’ in BMI standards.

4.     You are not a Malaysian citizen.

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Download policy documents here

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