- Non-Guaranteed Cash Dividends (NGCD)
On top of the Guaranteed Cash Payments, you may also receive Non- Guaranteed Cash Dividends. However, the dividends declared may be more or less than illustrated, depending on the operating and investment performance of the Company.
- Terminal Dividend Benefit
You may receive Non-Guaranteed Terminal Dividend upon surrender or maturity of your policy or upon occurrence of Death or Total and Permanent Disability. The amount payable may be more or less than illustrated, depending on the operating and investment performance of the Company.
- Maturity Benefit
Upon maturity of the policy, 100% of Basic Sum Assured plus the following shall be payable in one lump sum:
• Accumulated Guaranteed Cash Payments (if any); and
• Terminal Dividend (if any); and
• Accumulated Non-Guaranteed Cash Dividends (if any).
- Death Benefit
Death benefit is payable upon the occurrence of Death of the Life Assured. After which, the policy automatically terminates. Juvenile lien is applicable.
- The Death benefit includes:
• 100% of Basic Sum Assured; and
• Accumulated Guaranteed Cash Payments (if any); and
• Terminal Dividend (if any); and
• Accumulated Non-Guaranteed Cash Dividends (if any); and
• Additional 100% of Basic Sum Assured is payable during the first 10 years of the policy.
- Total & Permanent Disability (TPD) Benefit
Upon the Company's admittance of TPD of the Life Assured, TPD benefit is payable as follows:
• 100%* of the Basic Sum Assured; and
• Accumulated Guaranteed Cash Payments (if any); and
• Terminal Dividend (if any); and
• Accumulated Non-Guaranteed Cash Dividends (if any); And
• Additional 100%* of Basic Sum Assured is payable for TPD claim admitted during the first 10 years of the policy.
Note: *TPD Sum Assured limitations:
• Maximum amount payable is RM 2.0 million per life.
• Payment of TPD benefit.
• TPD coverage starts from Life Assured's attainment of age 6 years old and expires on the first Policy Anniversary following the Life Assured's 70th birthday. No lien is applicable.
- Accidental Death Benefit (ADB) & Accidental Total and Permanent Disability (ATPD) Benefit
• An additional 500% of Basic Sum Assured will be payable upon the occurrence of Death or TPD of the Life Assured due to Accidental causes. (Subject to the maximum of RM 2.0 million per life for ADB and subject to the combined maximum of RM 3.0 million per life for TPD and ATPD).
• This benefit shall cease at the end of 10th policy year.
• Premium Payment Term & Coverage Term
Premium Term: 10 or 20 years
Policy Term: Coverage up to 75 years old
• Guaranteed Cash Value
Guaranteed Cash Value will only be available from at the end of the 3rd policy year onwards provided that at least 3 annual premiums have been paid.
• Summary of Benefits Payable
• Flexible Features
Your policy can be extended to have extra coverage.
Smart Income and Smart Income Plus also present you with an array of additional protection options for complete peace of mind:
• Uni Critical Care
• Uni Lady Plus
• Uni Living Extra (WOP & FIB) *
• Uni Medicare
• Uni Medic
• Uni Medic Plus
• Uni Protector
• Uni Protector Enhanced
• Uni Payor Protector (WOP & FIB) *
• Uni Payor Enhanced (WOP & FIB) *
* Rider(s) terms should be less than or equal to Premium terms
- Surrender Benefit
These benefits are payable upon surrendering of the policy.
• Guaranteed Cash Value (available after the end of 3rd policy year); and
• Accumulated Guaranteed Cash Payments (if any); and
• Terminal Dividend (if any); and
• Accumulated Non-Guaranteed Cash Dividends (if any).
- Sum Assured
Minimum: RM10,000
Maximum: No limit but subject to underwriting
- Eligible Entry Ages
• Benefit Limitations and Risks Not Covered
- Juvenile Lien
Death benefit payable shall be as follows:
Risks Not Covered
Total & Permanent Disability benefit will not be payable if caused directly or indirectly from the following:
- attempted suicide while sane or insane; or
- self-inflicted injury while sane or insane; or
- injury sustained while under the influence of drugs or liquor or intoxicating substance; or
- engaging in any hazardous speed or endurance contest; or
- engaging in airborne activity other than as a fare paying passenger or a crew of an aircraft operated by an airline on scheduled commercial route; or
- submarine voyage; or
- engaging or performing duties in military, police or aeronautical service; or
- a disease, illness or accident which the Life Assured was suffering from or sustained or diagnosed, before the Issue Date or date of last reinstatement, whichever is later.
Important Notes
- If you terminate your policy in the early years, you may get back less than the amount you have paid.
- The policy will not have a Guaranteed Cash Value on termination until after you have paid premium for 3 years.
- You should be satisfied that this plan will best serve your needs and that the premium payable under the policy is an amount that you can afford.
- Any Guaranteed Cash Payments and / or Non-Guaranteed Cash Dividends kept with the Company will accumulate at the prevailing interest rate determined by the Company.
- The Non-Guaranteed Cash Dividend, Terminal Dividend, and accumulation of interest rate declared may be more or less than illustrated. Actual amount will depend on the performance and investment results experienced by the Company.
- If suicide or self-destruction that will cause Death or Total and Permanent Disability, while sane or insane, occurs within one year from the date of issue of the policy or from the date of reinstatement, whichever is later, the Company shall return the total premium paid without interest.
- Policy benefit is not payable if the Life Assured dies by dueling or by the hands of justice or committing an unlawful act during the term of the policy.
- This brochure is for general information only. It is not a contract of insurance. The precise items, conditions and definitions of this insurance plan are specified in the policy contract.
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