EliteLife Signature Treasure
Build Your Wealth For A Future To Treasure.
Grow and preserve wealth with added benefit of insurance protection to provide long term security and peace of mind.
This is a Life insurance product.
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EliteLife Signature Treasure offers a path to nurture your robust financial future. With a short premium payment period of 3 years, the plan offers the convenience of efficient financial management while ensuring long-term security and peace of mind for years to come.
Key Features
Highlights of EliteLife Signature Treasure:
Easy Enrolment
Simplified Issuance Offer (SIO)1 - Just answer a few health questions without any medical checkup.
Short Premium Payment Term
Enjoy a short premium payment term of 3 years with coverage term up to age 99.
High Premium Allocation2
100% of the Insurance Premium paid will be allocated into the policy account according to the chosen fund(s) to maximise the potential upside return.
Death & Total and Permanent Disability (TPD) Benefit3
Receive 200% of the Insurance Premium paid (minus any withdrawals from Insurance Premium Account (IPA)) or Account Value, whichever is higher, in the event of death or TPD.
Additional Accidental Death Benefit (ADB)4
Additional payout upon death due to accident.
*ADB Face Amount is equivalent to 200% x Annualised Insurance Premium x 3.
No Lapse Guarantee Benefit5
Continue to enjoy coverage even if the Account Value is insufficient to pay the policy charges during the premium payment term.
Loyalty Bonus6
Receive an additional 2.0% of the Account Value credited to your policy every 5 years, starting from the end of 10th Policy Year.
Maturity Booster
Upon policy maturity, an additional 10% of your Insurance Premium Account Value will be payable together with the total Account Value as Maturity Benefit.
Flexibility7
Income Tax Relief
You may qualify for income tax relief, subject to the requirements of the Inland Revenue Board.
Access to a Wide Range of Professionally Managed Investment-linked Fund(s)
Choose from a diverse selection of funds, each tailored with different investment objectives and focus, enabling you to build a personalised investment portfolio aligned with your financial goals and risk tolerance
Auto Fund Rebalancing
Your investment portfolio will automatically rebalance every quarter to ensure that the portfolio mix you have chosen remains consistent.
Easy Enrolment
Simplified Issuance Offer (SIO)1 - Just answer a few health questions without any medical checkup.
Short Premium Payment Term
Enjoy a short premium payment term of 3 years with coverage term up to age 99.
High Premium Allocation2
100% of the Insurance Premium paid will be allocated into the policy account according to the chosen fund(s) to maximise the potential upside return.
Death & Total and Permanent Disability (TPD) Benefit3
Receive 200% of the Insurance Premium paid (minus any withdrawals from Insurance Premium Account (IPA)) or Account Value, whichever is higher, in the event of death or TPD.
Additional Accidental Death Benefit (ADB)4
Additional payout upon death due to accident.
| Causes | Benefits Payable |
|---|---|
| Accidental Death | 100% of ADB Face Amount* |
| Accidental Death due to travelling in Public Conveyance, an elevator or electric lift or due to fire while in a Public Building | 200% of ADB Face Amount* |
No Lapse Guarantee Benefit5
Continue to enjoy coverage even if the Account Value is insufficient to pay the policy charges during the premium payment term.
Loyalty Bonus6
Receive an additional 2.0% of the Account Value credited to your policy every 5 years, starting from the end of 10th Policy Year.
Maturity Booster
Upon policy maturity, an additional 10% of your Insurance Premium Account Value will be payable together with the total Account Value as Maturity Benefit.
Flexibility7
- Withdraw your investment as and when needed.
- Convenient top-up features to increase savings.
- Unlimited fund switching to take advantage of market trends without any charges.
Income Tax Relief
You may qualify for income tax relief, subject to the requirements of the Inland Revenue Board.
Access to a Wide Range of Professionally Managed Investment-linked Fund(s)
Choose from a diverse selection of funds, each tailored with different investment objectives and focus, enabling you to build a personalised investment portfolio aligned with your financial goals and risk tolerance
Auto Fund Rebalancing
Your investment portfolio will automatically rebalance every quarter to ensure that the portfolio mix you have chosen remains consistent.
| Product Footnotes: | |||||||
| 1 | Subject to SIO per life limit as follows. Face Amount will aggregate with other SIO products issued by Manulife. | ||||||
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| 2 | Allocation rate for Top-Up Premiums is 95%. | ||||||
| 3 | Death coverage is up to age 99. TPD coverage is up to age 70. | ||||||
| 4 | ADB is only applicable if the entry age is 60 or younger, and the Insured's occupational rating falls within the Company's acceptable range. ADB Face Amount may subject to a maximum limit, depends on occupation. | ||||||
| 5 | Terms and conditions apply. | ||||||
| 6 | The Loyalty Bonus is only applicable to Account Value allocated from Insurance Premium and Regular Top-Up Premium only. | ||||||
| 7 | Terms and conditions apply. Subject to applicable fees and charges. | ||||||
Manulife Insurance Berhad is a member of PIDM.
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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