SAVINGS & LIFE PROTECTION

Wealth Creator

Gift of Love

Are creating wealth and achieving financial freedom your long-term goals in life? When you are too focused on wealth creation and accumulation, there might be an oversight on wealth protection. Any unforeseen circumstance might jeopardise your efforts overnight, leaving your loved ones in a worrying state.

We acknowledge your need for wealth creation, accumulation and distribution. Let Wealth Creator – our best legacy plan – protect you and your wealth throughout the entire wealth management journey. Leave the hard work to us to manage your wealth protection!

Sign up for Wealth Creator or Wealth Protect Assure 2 today to enjoy Ang Pow giveaway of up to RM688!
Limited time offer. Terms & conditions apply.

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)

Flexible options of premium payment terms

We have multiple premium term options of 5, 10, 15, 20 years or until end of coverage term, to suit your financial planning.

Death or Total & Permanent Disability (TPD) benefit

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)

Accidental Death or TPD benefit

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.​

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.

Terminal illness benefit

If you are diagnosed with terminal illness, 100% of the death benefit will be payable.

Flexible options of premium payment terms

We have multiple premium term options of 5, 10, 15, 20 years or until end of coverage term, to suit your financial planning.

Death or Total & Permanent Disability (TPD) benefit

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)

Accidental Death or TPD benefit

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.​

Flexible options of premium payment terms

We have multiple premium term options of 5, 10, 15, 20 years or until end of coverage term, to suit your financial planning.

Death or Total & Permanent Disability (TPD) benefit

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)

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 12 months from the issue date or any date of reinstatement of the policy, whichever is later.
2. TPD resulting from intentionally self-inflicted injury; any act due to war, declared or not; or military, naval or air service for any country at war, declared or not.

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.

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Download policy documents here

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