SMARTINVEST Premier | High Investment Return for Your Family Financial Planning
SMARTINVEST Premier | High Investment Return for Your Family Financial Planning
Investments geared towards realising your dreams
Starting a family, personal pursuits, savings for a rainy day – regardless of what your goals may be, we now have a plan that is dedicated to help you realise your dreams with greater confidence.
SmartInvest Premier 3 (“SmartInvest Premier”) focuses on bringing you investment returns through higher allocation rates and Loyalty Incentive. This plan further acts as a safety net by providing you lifelong coverage without any medical underwriting requirements. With this plan, you can rest assured that your needs and commitments will come first, always.
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Key benefits
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High premium allocation of 95%
A high allocation rate of 95% of premiums will be placed into the unit funds from the 1st policy year onwards, which assists you in building your wealth right from the start1 .
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Loyalty Incentive that provides additional premium allocation
With SmartInvest Premier, you will be given an additional 2% Loyalty Incentive every 3rd policy year up to the 10th policy year, and 5% annually from the 11th policy year onwards1 .
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Hassle-free enrolment with no medical underwriting
With no health questions asked and no medical examinations required, signing up for this plan is an easy process1.
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Protection against death and TPD
In the event of death or TPD2, your sum assured and total investment value will be payable3 to help secure the future for your loved ones1.
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No-Lapse Guarantee as a safety net
SmartInvest Premier comes with a ‘No-Lapse Guarantee’ for the first 3 policy years. This valuable feature ensures that your policy will continue to remain in-force, even if your total investment value becomes zero, so long as premiums are paid consistently and no withdrawal is made within the first 3 policy years1.
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Understand the details before buying
1 Terms and conditions apply.
2 Total and Permanent Disability.
3 Except for death or TPD due to non-accidental causes in the first 2 policy years, in which case the total investment value will be payable in one lump sum.
SmartInvest Premier is a regular premium investment-linked insurance plan that provides coverage up to age 100 years next birthday. Some of the choice of funds invest in Shariah-approved securities. However, this is not a Shariah-compliant product. This plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. Premiums are payable for the whole term of the policy, or until death or TPD, whichever comes first. SmartInvest Premier wherever mentioned in this brochure, shall refer to SmartInvest Premier 3.
You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If the policy is returned to the Company during this period, the Company shall refund an amount equal to the sum of:
a. the total investment values of the policy based on the net asset value at the next valuation date; and
b. the investment values of the units which have been cancelled to pay for insurance charges and policy fees; and
c. the amount of premiums that have not been allocated.
Net asset value is the single price at which the policy owner buys the units in a unit fund and sells the units back to the unit fund.
You may stop paying the premiums and still enjoy protection as long as there is a sufficient total investment value to pay for the insurance charges and policy fee, where applicable. However, there is a possibility of the policy lapsing when the required charges exceed the value of the fund units available.
In the event the actual sustainability of the policy is reduced due to revision of insurance charges, the Company may vary the premium and any regular investment top-ups on policy anniversary by giving you 3 months’ advance written notice.
Buying an investment-linked insurance plan is a long-term commitment. An early termination of the policy involves high costs and the withdrawal value is dependent on prevailing market value of the underlying assets of the unit fund. Therefore, the withdrawal value may be less than the total premiums paid. The policy value may rise or fall, based on the underlying performance of the funds. The performance of the funds is not guaranteed. The investment risk under the policy will be borne solely by the policy owner. Past actual performance is not a guide to future performance, which may be different.
Any amount of the premium that has not been allocated to purchase units is used to meet the payment of commissions to intermediaries and general expenses of the Company. The Company reserves the right, in circumstances it considers exceptional, to suspend issuance or redemption of units.
The above is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Fund Fact Sheet, Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and specified in the policy issued by Great Eastern Life. If there is any discrepancy between the English, Bahasa Malaysia, and Chinese versions of this brochure, the English version shall prevail.
The terms “Great Eastern Life” and “the Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).
Information correct as on 1 June 2024.