Elite Life Guard 2/Elite Life Guard Plus 2
Protection At Every Stage Of Your Life.
Safeguard yourself and your family by customising the coverage you need in just one plan.
This is a Life insurance product.
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Securing a comfortable future for you and your family is a priority. So you will need the right protection as you go through different stages of life. Now you can safeguard yourself and your family with just one plan.
Key Features
Highlights of Elite Life Guard 2/Elite Life Guard Plus 2:
- In the event of death or Total and Permanent Disability (TPD)1, you or your family will receive the higher of the Account Value or Face Amount.
- Get covered with an additional 150% of the Face Amount if the death of the insured is due to an accident2.
- Waive future Insurance Premium until the 10th policy year if diagnosed with one of the 47 covered critical illnesses.
- Earn Wellness Rewards of up to 20% of the Total Insurance Charge3 at the end of 10th, 20th and 30th policy year.
- Gain access to a variety of investment-linked funds4.
- You have the flexibility to take charge of your financial plan such as adjust your premium and insurance coverage, switch between funds, perform top-ups or withdraw your investment as and when needed5.
- Choice of coverage terms up to 70, 80 or 99 years old. For coverage terms up to age 70 or 80, you have the option to renew the policy up to age 99 without further underwriting6.
- Auto fund rebalancing of your investment portfolio every quarter.
| 1 | TPD coverage is up to age 70 next birthday. |
| 2 | Accidental death coverage is up to age 70 next birthday. If the Insured’s age at entry is 61 and above, accidental death benefit will not be applicable. |
| 3 | Only applicable to Insurance Charge charged for basic plan and Critical Illness Protect rider. Subject to no claims and all premiums are paid to date. |
| 4 | Returns are not guaranteed and are subject to the performance of the funds. Past performance of the funds is not indicative of future performance. Please refer to fund fact sheet for more information. |
| 5 | Subject to terms and conditions, Conditional Charges may apply. |
| 6 | Manulife will inform you of this option 90 days prior to the expiry date of your selected coverage term. |
Optional Protection
Supplement and complete your insurance coverage with the following optional protection:
MEDICAL
Helps to ease your financial burden from rising hospitalisation expenses.
CRITICAL ILLNESS
Have ready access to funds for treatment of critical illnesses without compromising your lifestyle.
EARLY PAYOUT CRITICAL ILLNESS
Provides financial assistance for treatment even in early stages of critical illnesses.
LADY PROTECTION
Provides coverage against specific female-related illnesses.
ACCIDENTAL COVERAGE
Provide financial assistance to your family should the unexpected happen.
PREMIUM PROTECTION
Pays future premiums of the policy should the Insured or Payor suffers from any of the covered events.
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) brochure or contact Manulife Insurance Berhad or PIDM (visit www.pidm.gov.my).
DISCLAIMER FOR BANCASSURANCE PRODUCTS
Before purchasing the insurance policy, you are advised to refer to the terms and conditions in the Product Brochure, Product Disclosure Sheet and Product Illustration for details of the important features and major exclusions of the insurance plan.
This insurance product is underwritten by Manulife Insurance Berhad (200801013654 (814942-M)), a licensed insurance company regulated by Bank Negara Malaysia and is distributed by Alliance Bank Malaysia Berhad (“Bank”) (198201008390 (88103-W)). The Bank accepts no responsibility or liability for the plan or the products and services offered by Manulife Insurance Berhad.
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