Customers:
Generali General Insurance
Generali Direct
Customer Portal
Generali Life Insurance
MyGenerali
Agents:
Omni AG
Life doesn’t stand still. As you move through different stages of life, whether you are buying your first home, raising a family, welcoming a newborn, or starting your own business, what remains constant is the need for meaningful protection for your future.
Introducing GenCreator, designed to support you through every stage for your life journey. It is a regular premium investment‑linked insurance plan designed to help you achieve your financial goals with enhanced flexibility and confidence. GenCreator allows you to customise your protection according to your evolving needs and priorities through flexible premium payment options and coverage terms.
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)
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In the event of Death or TPD (before age 70), we shall pay you the higher of:
a. Basic Sum Insured less withdrawals, or
b. Account Value (if any)
100% of the death benefit will be payable if you are diagnosed with terminal illness.
Upon maturity of the policy, we shall pay you the higher of:
a. Basic Sum Insured less withdrawals, or
b. Account Value (if any)
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:
a. If Accidental Death or TPD, 100% of sum insured will be payable.
b. If Accidental Death in or on Public Conveyance of Land Transportation, 200% of sum insured will be payable.
c. If Accidental Death in or on Public Conveyance of Water or Air Transportation, 300% of sum insured will be payable.
d. If Accidental Death in or on Public Conveyance during Public Holiday, 400% of sum insured will be payable.
Choose from a wide range of coverage terms and premium payment terms to suit your long-term planning needs, giving you greater control over how and when you fund your plan.
• Coverage Term Options: 15, 20, 25, or 30 years, or coverage up to age 60, 70, or 80
• Premium Payment Term Options: 5, 10, 15, 20 years, or pay premiums until the end of the coverage term1
In the event of Death or TPD (before age 70), we shall pay you or your family the higher of:
a. Account Value (if any), or
b. Basic Sum Insured less withdrawals within the past 12 months from the date of the covered event(s)
Upon attaining the age of 100, we shall pay you the higher of:
a. Account Value (if any), or
b. Basic Sum Insured less withdrawals made since the inception of the policy
Choose a pay-out amount starting from RM25,000 to RM500,000.
Just answer 4 simple questions. No medical examinations required!
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.
Every 15th policy anniversary, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
At the end of initial coverage term, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
With sum insured of RM 1,000,000 and above, subject to no claim made on your basic plan, you will enjoy 5% discount on insurance charge.
Your policy will be automatically renewed up to the age of 100, without evidence of insurability, at the end of renewal coverage term, provided that your account value is sufficient to deduct any insurance charges or service charges.
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 into your account value.
At the 20th policy anniversary, an additional 20% of the average monthly account value over the last 10 years will be credited into your account value. The maximum amount payable is 20% of Basic Sum Insured.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your Account Value (if any).
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.
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. The maximum amount payable is 20% of basic sum insured.
Your policy is guaranteed to be renewed up to age 100 at your option and without underwriting.
Every 2 policy years starting from the end of the 6th policy anniversary onwards, an additional 0.38% of the average monthly account value over the last 2 years will be credited to your account value.
An additional percentage of the average monthly account value over the last 10 years prior to the payment of Special Booster will be credited to your account value at the end of every 10th policy anniversary.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your account value (inclusive of Loyalty Bonus (if any) and Special Booster (if any)).
Multiple premium term options of 2 or 4 years, and coverage term of 15, 20 and 30 years, to suit your financial goals planning.
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.
Protect you and your family against any unforeseen circumstances that might happen to you such as death or TPD before age 70.
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.
Receive additional non-guaranteed cash dividends that is projected to be payable from the end of the 2nd policy year.
Enjoy the flexibility to invest your guaranteed annual income and non-guaranteed cash dividends into our professionally managed investment funds to enhance your returns.
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.
Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.
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).
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.
For the full list of exclusions, kindly refer to the product brochure, available for download below.
This product is not for you if…
Your age is 71 and above.
