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Features
With AmGen3+, now you may enjoy...
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Up to three (3) generations
of lifetime protection and benefits |
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Continuous income* up to age 85 |
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Money for dreamed vacation |
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Working capital for new business |
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Funding children’s education |
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Yearly income for your loved ones |
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Instant estate creation |
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Leaving a legacy for your loved ones when
you are no longer around |
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Product Coverage
With AmGen3+, now you may enjoy...
| Age of entry |
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minimum is 1 years old and maximum
is 50 years old |
| Policy/premium term |
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Up to age 85 |
| Minimum sum assured |
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RM25,000 |
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Benefits
Life
Insurance Coverage
| Up to three (3) generations
of lifetime protection and benefits |
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Basic Sum Assured |
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Accumulated Cash Dividends** |
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Terminal Dividends** |
Income Replacement
Coverage
| Upon Total Permanent Disability
(TPD) before age 65; |
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Basic Sum Assured |
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Accumulated Cash Dividends** |
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Terminal Dividends** |
are payable to cushion the financial shock you and
your family experienced.
Dread
Disease Coverage
| When diagnosed with Critical
Illness # ; Premium for basic policy will
be waived for life insured, |
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Up to 20 th policy year or age
65, whichever is earlier |
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Other benefi ts are still payable |
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- GAP****
- Cash Dividends**
- Terminal Dividends** |
Guaranteed Annual
Payment (GAP)****
| You can enjoy a regular stream
of income with GAP until maturity age of 85:
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Guaranteed |
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6.5% of Sum Assured |
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Tax free |
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Payable annually after |
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- 10 th Year (3G10+)
- 15 th Year (3G15+) |
Maturity Benefit
| On the maturity date, you will
be enjoying your savings with AmGen3+ : |
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Basic Sum Assured |
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Accumulated Cash Dividends** |
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Terminal Dividends** |
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GAP**** |
Cash Dividends**
| Cash dividends may be declared
annually from the end of 3 rd policy year.
You have the option to: |
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1. Offset the next annual premium
and still enjoy the protection |
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2. Leave with the company to accumulate
with interest |
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3. Withdraw the money |
If no option is chosen, the default option shall
be Option 1.
Terminal
Dividends**
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Death/TPD |
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Maturity |
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Surrender |
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Other Benefits
Guaranteed
Premium
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Your basic premium rate shall
remain the same throughout the entire duration
of your protection up to age 85. |
Policy Loan
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You can take up policy loan
in times of need after the policy has cash
value. |
Compulsory Packaged
Protection Riders
Double your protection against Death or TPD by attaching
compulsory rider to this plan:
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Level Term Rider (LTR) or |
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Critical Illness Term Rider (CIT) or both
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Compulsory Rider for Juvenile:
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Payor Benefi t Rider (PBR) for
juvenile plans |
Optional Riders that can be attached to enhance
your policy are
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Deferred Disability Income •
Payor riders |
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Hospital coverage • Accident riders
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Premiums paid
are tax deductible
Cash
Dividends are projected to accumulate at
6.5% p.a.
Pay
advance premium for the policy and enjoy
the interest rate currently at 4% p.a.
Enjoy the flexibility
of withdrawing the advance premium paid |
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* Starts from either the 10th or 15th policy year onwards
** Cash Dividends and Terminal Dividends are not guaranteed
and is subject to Company’s performance.
*** Plan matures at age 85 or expires in the event of
Death/TPD when claim is payable.
**** GAP will accumulate with interest if left with the
Company.
# 36 Critical Illness as stated in the contract. |
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Untitled Document
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Contact us at 603 - 2178 8000. |
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