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Live your golden years with style and peace of mind… |
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At AmAssurance, we want to see that priceless smile on your face knowing that your own retirement life stages is well taken cared.
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With AmFlexi 2 Plan, there are 5 more reasons for you to Smile!
- Peace of Mind
With AmFlexi 2 Plan, you're assured with a comprehensive protection plan that also secures your personal retirement life stages.
- Potential Upside Return
Your savings are managed by AmAssurance's fund professionals. With this, AmFlexi 2 capitalizes on investment opportunities that acccumulate your Fund Value.
- Superb Flexibility
Like its name,AmFlexi 2 Plan offers you absolute control of your living cash benefits withdrawal in terms of the amount and timing. Most importantly, you shall enjoy unique flexibility and control over the amount of sum assured and protection you want.
- Automatic Partial Withdrawal (APW)*
You can enjoy Automatic Partial Withdrawal(APW) at No Cost. APW is the accumulation of investment return on a mothly basis to be paid out every 3 yeasrs after retaining 2% p.a. return in the Fund.
- Tax Relief
With AmFlexi 2 Plan, you gain instant personal income tax relief** on your total premiums paid.
* APW can be opted out at inception. APW amount is not guaranteed and is subject to investment performance.
** This is a general benefit to all insurance products and is subject to eligibility from Inland Revenue Board.
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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 % of Basic Sum Assured or the Fund value, whichever is higher.
You may surrender the policy at nay time by written notice o the Company. the benefits payable will be the higher of:
the Guaranteed Cash value or the Fund value less Surrender Charge
Notes
- The Guaranteed Cash Value will only hold if no alteration (ie partial withdrawal or premium holiday) is made to he policy
- The Company reserves the right to defer partial withdrawals/surrender payments for up to six (6) months if there are possible adverse effects from a general sale of assets and/or securities in respect of the Fund.
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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: |
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Dread Disease Waiver of Premium (DWP) |
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Deferred Disability Income (DDI) |
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Payor Level Term Rider (PLTR) |
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Payor Dread Disease Waiver of Premium (PDWP) |
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Payor Critical Illness Term Rider (PCIT) |
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Payor Benefit Rider (PBR) |
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Level Term Rider (LTR) |
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Critical Illness Term Rider (CIT) |
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Hospital Benefit Rider (HBR) |
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Health Management Rider (HMR) |
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Maternity Rider (MR) |
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Accidental Death Benefit (AB) |
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Comprehensive Accident Indemnity Benefit (CAI) |
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AmFlexi Product FAQ's
What's AmFlexi 2 Plan?
If you are on the look for that special and unique retirement plan, look no further!
AmFlexi 2 is that perfect solution tailored just for you. Not only does it allow you to enjoy insurance coverage but lets you top up and earn money from it. A unique way to grow your savings while simultaneously, ensuring that you are financially and emotionally safe up to your retirement years.
1. Top Ups are subject to 3.75% initial charge.
2. Returns on top ups are not guaranteed and subject to investment performance.
How does the top up work for me?
AmFlexi 2 plan gives you that special unique flexible option top up and/or make partial withdrawals* of the top up at any time and at any amount throughout the term of the policy, by writen notice to the company**.
* Partial withdrawal will result in fund value not growing as much as expected.
** The minimum balance of fund value amount should not be lesser than RM1000 and the minimum amount of every withdrawal is at least RM300. For example, you may withdraw up to 25% of the fund value ata the 10th policy year and thereafter, for the purpose of your retirement or children's education.
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.
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Contact us at 603 - 2178 8000. |
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