EliteLife Signature Legacy

Build A Lifelong Legacy For Generations To Come.

Lay the foundation to create your greatest legacy today with a plan that comes with valuable insurance protection, loyalty rewards, bonuses and more!
 
This is a Life insurance product.

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EliteLife Signature Legacy
Financial security is an enduring gift for your family.

Having worked hard to build your wealth, protect future generations with a legacy which looks after their financial future while maintaining high protection for yourself.

With EliteLife Signature Legacy, build a lasting legacy for generations to come.

Key Features

Highlights of Elitelife Signature Legacy:
 
Valuable Insurance Protection
  • SAFEGUARDING LEGACY WITH HIGH COVERAGE
    • Death & Total and Permanent Disability (TPD) Benefit1
      Receive a minimum Face Amount of RM500,000 or Account Value, whichever is higher, in the event of death or TPD.
    • Senior Care Benefit
      From age 70 years old onwards, receive Face Amount up to RM2 million or Account Value, whichever is higher, in the event of Old Age Disability (OAD)2.
  • ADDED PROTECTION
    You can opt to enhance your protection by attaching the following3:
    • Accidental Death Benefit
      Pays a lump sum amount in the event of accidental death of the Insured.
    • CI Waiver
      Waives the policy’s future premiums if you are diagnosed with one of the covered critical illnesses.
    • Payor Waiver
      Waives the policy’s future premiums if the payor dies, suffers from TPD or is diagnosed with one of the covered critical illnesses.

Short Premium Payment Term
  • Choose from a premium payment term of either 5 or 8 years, whichever suits your affordability.

Loyalty Rewards & Bonuses4
  • WELCOME BONUS
    Receive an additional 3% of the Insurance Premium credited to your policy when you pay your premium for the first 2 policy years.
  • LOYALTY BONUS
    Receive an additional 0.5% of the Account Value credited to your policy every 2 years, starting from the end of 10th Policy Year.
  • INCOME BOOSTER5
    At the end of the 15th and 20th Policy Year, a special bonus of 5.0% and 8.0% of the Account Value respectively will be credited to your policy.
  • PAYOUT AT AGE 996
    The Face Amount or Account Value, whichever is higher, will be payable upon policy expiry when the Insured attains age 99.

Flexibility7
  • Adjust your insurance coverage to match your lifestyle.
  • Choose from a range of investment-linked funds that best suit your investment objective8 .
  • Choice of insurance coverage terms of up to age 70, 80 or 99. For coverage terms up to age 70 or 80, you will be given an option to renew the policy up to age 99, without re-underwriting.
  • Withdraw your investment as and when needed9
  • Convenient top-up features to increase savings10.
  • Unlimited fund switching to take advantage of market trends without any charges.

Other Benefits
  • NO LAPSE GUARANTEE BENEFIT7
    Continue to enjoy coverage even if the Account Value is insufficient to pay the policy charges during the premium payment term.
  • INSURANCE CHARGE DISCOUNT11
    Enjoy 5% discount when you purchase a minimum Face Amount of RM1,000,000 and 8% discount for Face Amount of RM2,000,000 and above
  • AUTO FUND REBALANCING
    Your investment portfolio will automatically rebalance every quarter to ensure that the portfolio mix you have chosen remains consistent.
  • INCOME TAX RELIEF
    You may qualify for income tax relief, subject to the requirements of the Inland Revenue Board.
 
Product Footnotes:
1 Death coverage is up to age 70, 80 or 99, depends on the coverage term. TPD coverage is up to age 70. Death Benefit will be reduced by any TPD or Senior Care Benefit payout.
2 OAD is a disability that Insured suffers from age 70 and the disability fulfills 1 of following:
  1. Based on the opinion of 2 doctors, the Insured is totally unable by reason of accident or illness to perform independently at least 3 out of the 6 Activities of Daily Living for a continuous period of at least 6 months, without the frequent attention of a third party and, in the opinion of the Company is likely to remain Permanent; or
  2. is classified as a Presumptive TPD.
3 Refers to optional unit deducting riders that can be attached to the plan.
4 The Loyalty Bonus and Income Booster are only applicable to Account Value allocated from Insurance Premium and Regular Top-Up Premium only.
5 Income Booster for 15th Policy Year shall subject to a maximum of 5% of the Face Amount while for 20th Policy Year shall subject to a maximum of 8% of the Face Amount.
6 Only applicable if the policy coverage term is up to age 99. For coverage term up to age 70 or 80, Account Value will be payable upon policy expiry. This benefit is only applicable if Death Benefit is not being paid or reduced by any TPD/OAD claim upon policy expiry.
7 Terms and conditions apply.
8 Please refer to the fund fact sheets for more details on the fund, they are available in Manulife website at www.manulife.com.my
9 Subject to applicable fees and charges.
10 Returns are not guaranteed and are subject to the performance of the funds.
11 Discount is levied on the basic plan’s death, TPD and Senior Care Benefit only.

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