1. What Is Smart Link?
   Smart Link is an Investment-Linked Insurance plan that not only provides you basic insurance protection and potential investment returns, but also the flexibility of adjusting your premiums, coverage level, and investments, all at the same time. This way, you can adapt to each stage in life with confidence.
   
   
2. What Are The Benefits Of This Plan?
   It Makes Your Money Work For You
   While it’s easy to start with as little as RM100 per month, it will also delight you to know that investment allocation increases over time, allowing you to step closer to your dreams each day.
   
   

To ride on the wave of potential returns, you can also maketop-up to your investment account, of which 95% will be allocated to purchasing units in your selected funds.

Smart Link allows you to

• Make top-up payments or partial withdrawals, depending on your circumstances; or
• Switch between funds from time to time so that your investment portfolio is optimized according to your strategies; or
• Vary your insurance coverage level, to suit the demands of different life stages.

With such accommodating features, you can embrace life with full confidence.

You can be rest assured that your loved ones are financially cared-for if the worst happens. This way, they can carry-on with life on the legacy of love that you leave behind. Death Benefit payable will be the Basic Sum Assured plus the entire Account Value.

On the other hand, in the unfortunate event of Total and Permanent Disability, the Basic Sum Assured will be paid to enable you to make necessary adjustments in life. Smart Link will continue to be your companion even after the Basic Sum Assured is paid; your Account Value goes on to support the costs of insurance for other additional coverages you have that are essential for sustaining your wellbeing.

Smart Link also presents you with an array of additional protection options for complete peace of mind:

• Smart Health – provides Hospitalization & Surgical Insurance
• Uni IL PA – provides coverage against various accidents
• Uni IL CI – provides coverage against 36 Critical Illnesses
• Uni IL Living Extra – provides waiver of premium / Family Income Benefit
• True Lady – provides coverage against female-specific illnesses

For further savings, the premium you pay may qualify for tax relief (subject to final decision of Inland Revenue Board).

3. Where Will My Money Be Invested?
   From our range of professionally managed funds, you can choose to allocate your money according to your preference or strategy. There are 4 funds to choose from:

1. Uni Strategic Fund
   A fund which seeks to achieve consistent capital appreciation over the medium-to-long term by investing mainly in companies that had been systematically screened through a series of predetermined financial criteria.
   
   
2. Uni Aggressive Fund
   To achieve consistent and above average capital appreciation over the medium-to-long term by investing in companies with market capitalization of not more than RM750 million at the time of acquisition.
   
   
3. Uni Bond Fund
   A fund which seeks to achieve consistent capital preservation over the medium-term while providing a stable long-term and secured income return by investing primarily in a portfolio of investment-grade fixed income securities.
   
   
4. Uni Cash Fund (for switching only)
   The fund aims to maintain short-term liquidity by investing in low risk money market instruments with high degree of capital preservation. This Fund is available for fund switching only, not applicable to new premiums.
   

4. What Are The Charges On My Account Value?
   Below is a brief summary of the applicable charges:
   

5. What Are The Eligible Entry Ages For Smart Link?
   Anyone between the ages of 14 days and 65 years old (nearest birthday) can apply for coverage.
   
   
6. How Do I Make Payment?
   There are several ways – You can pay by credit card, cheque, auto-debit, or GIRO. You can also choose to pay either annually, half-yearly, quarterly, or monthly.
   
   
7. How Long I Need To Pay Premium For?
   Premium is payable for the whole policy term.
   
   
8. What Are Some Of The Exclusions Under This Plan?
   Below are some of the circumstances where no benefits will be payable:

• Death during the first year due to suicide, while sane or insane; or
• Total and Permanent Disability resulting from self-inflicted injuries.

• Buying a life policy is a long-term commitment and if you terminate your policy in the early years, you may get back less than the amount you have paid.
  
  
• This plan will not have a guaranteed cash value. The value of policy may rise or fall, depending on the fund’s investment performance. Investment risks under the policy are to be borne solely by the Policyholder. Please refer to the Sales Illustration for details.
  
  
• Maximum amount payable under a TPD claim is RM 2.0 million per life.
  
  
• You should carefully consider the fees and charges involved. All charges are not guaranteed and may be varied from time to time.
  
  
• The past performance of a fund may not be a reliable guide to future performance, which may be different.
  
  
• The Company may at its absolute discretion cease to permit any issuance or redemption of units or switching to any fund.
  
  
• You may also consider purchasing a Single Premium Investment-Linked Insurance policy or make additional Regular Top-Up payments in view that such options offer better allocation rates for investment.
  
  
• During Premium Holiday, the Cost of Insurance, Premium for any riders attached (with express instructions to charge the Account Value) and Policy Charges (for the Basic and Riders) will continue to be deducted from the Account Value. In the event the Account Value is nil or negative, the Policy shall lapse and there shall be no insurance coverage.
  
  
• Purchasing too many unit deducting riders may deplete the Account Value.
  
  
• 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.
  
  
• If suicide or self-destruction that will cause Death or Total and Permanent Disability, while sane or insane, occurs within 1 year from the date of issue of the policy or from the date of reinstatement, whichever is later, the amount payable will be the Account Value at the prevailing NAV per unit.
  
  
• Policy Benefit is not payable if the Life Assured dies or becomes Totally and Permanently Disabled by dueling or by the hands of justice or committing an unlawful act during the term of the policy.
  
  
• This brochure is not a contract of insurance and it is to be read in conjunction with the Product Disclosure Sheet (PDS). The full terms and conditions of this plan are set out in the policy contract.
  
  
• The plan described in this brochure is underwritten by Uni.Asia Life Assurance Berhad (277714-A). All claims and liabilities arising from the policies should be made with the Company.
  
  

When you take up a policy with us, you can be assured that you will be taken care of because we protect you for life.

Uni.Asia Life Assurance Berhad is a DRB-HICOM and UOB company.