An insurance plan that pays you while it protects.

Uni.Asia Life offers you Uni Guaranteed Cash Plus, a participating endowment plan that gives you Guaranteed Cash Back from the end of the second policy year.

Extra cash will certainly come in handy whether it is for a holiday treat, a new handphone, your children’s education or in case of an emergency. It is reassuring to have plan that allows you to save with easy access to regular funds while giving you maximum insurance protection.
 

• Benefits of Uni Guaranteed Cash Plus
• Protection Against Death/Total And Permanent Disability (TPD)
  100% of the Sum Assured together with the Accumulated Cash Dividend*, Accumulated Guaranteed Cash Back* and Terminal Dividend* shall be payable in the event of Death or Total and Permanent Disability (TPD) of the Life Assured, whichever is earlier.
 
Maximum benefit payable for natural TPD is RM1.5 million per life and covers up to age 65.
• Guaranteed Cash Back
  Cash payment of 5% of the Sum Assured will be payable every year commencing from the end of the second policy year. Hence you will be able to receive a Total Guaranteed Cash Back of up to 115% of the Sum Assured upon maturity of the policy.
   
• Flexibility In Managing Your Guaranteed Cash Back
  With Uni Guaranteed Cash Plus, you decide on the savings period. There are four terms to choose from i.e. 10 years, 15 years, 20 years and 25 years. On top of that, you have three alternatives to utilize your cash back therefore offering you greater financial flexibility. You have the options to:
• Withdraw the Guaranteed Cash Back and spend it any way you wish.
• Reinvest the Guaranteed Cash Back into the policy to earn interest. (This is the default option)
• Use the Guaranteed Cash Back to pay for your premium when you need to.
   
• Maturity Benefit
  Upon maturity, you will receive 100% the Sum Assured together with the Accumulated Cash Dividend*, Accumulated Guaranteed Cash Back* and Terminal Dividend.
   
• Surrender Benefit
  The surrender benefit is available from the end of first policy year onwards, upon surrendering the policy. Basic Cash Value*, together with the Accumulated Cash Dividend* and Accumulated Guaranteed Cash Back* will be payable.
  *if any.
   
• More About Uni Guaranteed Cash Plus
• The minimum Sum Assured for this plan is RM10,000 while the maximum Sum Assured is RM300,000.
• Minimum age entry: 2 weeks old. Maximum age at entry: 60 years old.
   
Important Notes:
• The premium rates are guaranteed, and there shall be no revision of premium rates throughout the policy term.
• The policy will not have a Guaranteed Cash Value on Premature Termination Value unless it is terminated after the end of third policy year and the premium has been paid for 3 years.
• The cash dividend and terminal dividend are NON-GUARANTEED.
• Please refer to the Sales Illustration given by the agent for further information.
• 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 of 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.
   
Disclaimer:
This brochure is for general information only. It is not a contract of insurance, the precise terms, condition and definitions of this insurance plan are specified in the policy contract.
In the event of discrepancy, ambiguity and conflict in interpreting any term or condition of the brochure, the English version shall prevail and it supersedes the Bahasa Malaysia and Chinese version.
   
• Why Uni.Asia Assurance Berhad?
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.