Smart Protect Essential

Achieve your goals from as low as RM100 a month

With SmartProtect Essential Insurance 2 ("SmartProtect Essential"), you can achieve your goals with greater confidence. This is an affordable plan that allows you to work towards your goals and live the life you want while providing you with a personal safety net.

You will enjoy comprehensive coverage against unexpected events from as low as RM100 a month and you can further enhance your protection with additional hospitalisation and medical benefits.

Make your money work for you

SmartProtect Essential is an investment-linked insurance plan that adapts to your lifestyle. It's easy to get into - starting with just RM100 per month, you'll receive life coverage and an investment allocation that increases over time - bringing your goals closer to reality with every passing day.

The insurance premiums paid are allocated to the unit funds at the following rates:

Policy Year	1-2	3-4	5-6	7 & above
Premium Allocation Rate	43%	76%	85%	100%

1% more on your sum assured every year throughout your coverage years

SmartProtect Essential ensures your loved ones will not be financially burdened should the unexpected occur. With a sum assured that grows 1% every year throughout your coverage years, they can go on living with added peace of mind.

An example of how this works:

1% x RM100,000 x 50 years = RM50,000 more

That means his loved ones will receive a total of RM150,000.

Provision of financial protection against the unexpected

SmartProtect Essential is built on a foundation of protection, to ensure you and your loved ones come first if the worst should happen. In the case of death, or should you be afflicted with TPD, the total sum assured and your total investment value will be paid out in accordance with the provisions of the policy. Hence, you can be rest assured that your loved ones have the financial resources they'll need to carry on.

Choose your own protection and investment levels

You may start with just a little, but as your financial options grow wider, you can vary the protection and investment levels according to your later needs and goals. Available to you is an option to boost the investment value of your policy via single premium top-ups. A minimum amount of RM1,000 for a single premium top-up will effectively provide a fresh injection of 95% of the paid premium to unit funds, bolstering your investment value and potential returns.

Pick your own funds

You get to pick and invest in whatever best suits you at any time. Our range of professionally managed funds will cater to your risk appetite and investment style. If you ever change your mind, simply make a new selection.

Other benefits include:

• Extra protection with additional riders
• Tax benefit

*Terms and conditions apply