With Uni Flexi Cash, a portion of your premium is credited to your AIF, which provides you the opportunity to save and make your money work harder for you. The flexible AIF allows you to make top-ups at any point of time, or to use the money at your convenience. Interest is credited to your AIF on an annual basis.

Interest to be credited is not guaranteed and is subject to Company’s actual annual declaration.

100% of the Sum Assured and the Accumulated Income Fund (AIF) will be payable in one lump sum upon Death.

Upon the Company’s admittance of TPD of the Life Assured, 100% of the AIF will be payable in one lump sum.

In addition to the AIF, the Sum Assured will be payable in one lump sum if it is less than or equal to RM500,000. If the Sum Assured is more than RM500,000 but less than RM1.5 million, the first RM500,000 will be payable in one lump sum, while the remaining balance will be payable in two (2) equal annual installments.

TPD benefit starts from the Life Assured reaching 6 years old and expires on the Policy Anniversary upon the Life Assured reaches 65 years old.

Upon the occurrence of Death or TPD of the Life Assured, an additional 10% of the Sum Assured will be payable annually for 10 years. The first 10% of the Sum Assured shall be payable annually starting from a year after the occurrence of Death or TPD. Benefit will cease upon the 10th annual benefit payment.

FIB expires on the Policy Anniversary upon the Life Assured reaches 60 years old.

Upon the occurrence of TPD of the Life Assured due to Accidental causes, an additional 200% Sum Assured, subject to the maximum of RM3.0 million per life will be payable. ATPD coverage starts from the Life Assured reaches 6 years old and expires on the Policy Anniversary upon the Life Assured reaches 65 years old.

Upon surrender of the policy, the Guaranteed Surrender Value and 100% of AIF, less RM50 as service charge, will be payable in one lump sum.

The Guaranteed Surrender Value is only available from the end of the 3rd policy year and 3 full annual premiums have been paid.

Upon maturity of the policy, 100% of the Sum Assured and 100% of AIF will be payable in one lump sum.

Policyholder can make partial withdrawals from the AIF at any time in multiples of RM100 (minimum withdrawal of RM100 per transaction). Minimum balance in AIF after each withdrawal is subject to a minimum of RM1,000.

There is no charge on the first 2 partial withdrawals for each policy year. Subsequent partial withdrawal will be charged at RM50 per transaction.

Policyholder can also make a full withdrawal (Surrender). A RM50 service charge is applicable.

Policyholder may widen the coverage by attaching riders to the policy. Some attachable riders include:

• Uni Critical Care
• Uni Medic Plus
• Uni Payor Enhanced

Minimum: 2 weeks
Maximum: 60 years old

Term Up to age 88

Sum Assured Limit
Minimum: RM10,000
Maximum: No limit but subject to underwriting

Premium Paying
Term Option: 10, 15, or 20 years

1. Assault or murder;
2. Riot, civil commotion, strikes or terrorist activities;
3. Self destruction or any attempt thereat while sane or insane;
4. Suicide whether sane or insane;
5. While or because the Life Assured is under the influence of alcohol, narcotic, drug or poison or as a result of inhaling gas or fumes;
6. Pregnancy or childbirth;
7. Pre-existing physical or mental infirmity;
8. Sickness, disease or infections of any kind;
9. Infections of any kind or bodily injury due to a gradual operating cause;
10. War, whether declared or undeclared;
11. Military, police, air or naval service in time of declared or undeclared war or while under orders for warlike operation or restoration of public order;
12. The Life Assured participating in any criminal act or brawl; or
13. The Life Assured participating in any hazardous pursuits like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any airborne activities other than as a fare paying passenger or a crew member of an aircraft operated by an international airline and licensed or passenger service over a regular scheduled commercial route, any form of racing other than on foot, any speed or endurance contest.
    

1. attempted suicide while sane or insane; or
2. self-inflicted/destruction or any attempt thereat while sane or insane; or
3. injury sustained while under the influence of drugs or liquor or intoxicating substance; or
4. engaging in any hazardous speed or endurance contest; or
5. 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
6. submarine voyage; or
7. engaging or performing duties in military, police or aeronautical service; or
8. 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.

• If the Life Assured terminates his/her policy in the early years, he/she may get back less than the amount he/she has paid.
• The Life Assured should be satisfied that this plan will best serve his/her needs and that the premium payable under the policy is an amount that he/she can afford.
• 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 premium paid without interest.
• 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.
• Please refer to the Sales Illustration and Product Disclosure Sheet (PDS) for further details before deciding on your purchase.
• The policy will not have a Guaranteed Cash Value on termination until after the Life Assured or Assured has paid premium for 3 years.
• The amount of interest credited into your AIF throughout the policy term is on an annual basis and is Non-Guaranteed. The AIF interest is subject to a minimum of zero percent.
• In the event of discrepancy, ambiguity and conflict in interpreting any term or condition of the brochure, the English version shall prevail.