Life is beautiful. It is even more so if you are financially stable and able to get what you heart desires.

Uni MegaCash, a participating endowment plan that rewards you with a Guaranteed Cash Back form the end of the second policy year until the penultimate year will be a perfect financial instrument for you to own. In additional to this, the premium and the premium payment terms are also guaranteed throughout the policy duration.
   

Benefits:

INSURANCE COVERAGE
• DEATH AND TOTAL PERMENANT DISABILTY (TPD) BENEFIT DUE TO ALL CAUSES
 Basic Sum Assured plus accumulated Cash Dividend* (if any) plus Terminal Dividend* (if any) and accumulated Guaranteed Cash Back (if any) will be payable in one lump sum.
• ACCIDENTAL DEATH / TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT
Additional 100% of the basic Sum Assured.
• TERMINAL ILLNESS BENEFIT
Basic Sum Assured plus accumulated Cash Dividend* (if any) plus Terminal Dividend* (if any) and accumulated Guaranteed Cash Back will be payable in one lump sum.
 

Note: If death, diagnosis of Terminal Illness or TPD of the Life Assured occurs due to non-accidental causes within the first two policy years, all premiums paid will be refunded without interest.

* Full Sum Assured will be payable upon Accidental Death at any policy year.
* Cash Dividend and Terminal Dividend are NOT GUARANTEED. Kindly refer to the Sales Illustration for further
   information on Cash Dividend and Terminal Dividend.
 
• GUARANTEED CASH BACK
-

Cash payment of 8% of the Sum Assured will be payable every year commencing form the end of the second policy year until the penultimate year. Hence, you will be able to receive a total Guaranteed Cash Back of up to 184% of the Sum Assured if held until maturity of the policy, subject to policy term.
 
• FLEXIBILITY IN MANAGING YOUR GUARANTEED CASH BACK
-

With Uni MegaCash, you decide on the savings terms. There are four terms to choose from i.e. 10 years, 15 years, 20 years and 25 years. On top of that, you have two alternatives to utilize your Cash Back, therefore offering you greater financial flexibility.

 




• GUARANTEED MATURITY BENEFIT
- Upon maturity of the policy term, you will receive 100% of the Sum Assured, together with the accumulated Cash Dividend* (if any) plus Terminal Dividend* (if any) and accumulated Guaranteed Cash Back.
 

* Cash Dividend and Terminal Dividend are NOT GUARANTEED. Kindly refer to the Sales Illustration for further
   information on Cash Dividend and Terminal Dividend.
 
• SURRENDER BENEFITS
- The cash value is available from the 3rd policy year provided premiums are fully paid. The basic cash value
(if any) plus accumulated Cash Dividend* (if any) and accumulated Guaranteed Cash Back shall be payable.


• OTHER BENEFITS
• Tax-free Guaranteed Cash Back, maturity benefits and insurance proceeds.
• Personal tax relief of up to RM6,000 or education tax relief of up to RM3,000 provided Uni Payor Enhanced is attached (Subject to eligibility and Inland Revenue Board’s approval).
• Flexible Payment Option with Future Premium Payment Option (FPPO).
NOTE: The interest rate used to accumulate the FPPO Amount is not guaranteed and subject to change. The
            balance remaining in this facility shall be payable to the Policyholder upon maturity of the policy.
• Simple and hassle-free enrolment.
 

* Cash Dividend and Terminal Dividend are NOT GUARANTEED. Kindly refer to the Sales Illustration for further
   information on Cash Dividend and Terminal Dividend.
• ILLUSTRATION OF PREMIUM & BENEFITS
- Annual Premium is quoted for a male, aged 35 years old with RM50,000 Sum Assured.


 

* Includes accumulated interest earned form reinvesting the Guaranteed Cash Back and projected Cash Dividend @ 7.00% p.a.,and projected Terminal Dividend for Scenario A (High Scenario).
**  Includes accumulated interest earned form reinvesting the Guaranteed Cash Back and projected Cash Dividend @ 5.00% p.a., and projected Terminal Dividend for Scenario B (Low Scenario).
 

 
 

Annual Premium for Term-10 could be obtained by:
Annual Premium   =    Premium Rate X Sum Assured / RM1,000
                            =    RM180.89 X 50
                            =    RM9,044.50
 

 
• ELIGIBILITY
 

Minimum age at entry   : 2 weeks old
Maximum age at entry  : 65 years old (nearest birthday)
 

* Cash Dividend and Terminal Dividend are NOT GUARANTEED. Kindly refer to the Sales Illustration for further
   information on Cash Dividend and Terminal Dividend
 

 
• IMPORTANT NOTES
•

The policy will not have guaranteed cash value on termination until after the premium has been paid for 3 years.
•

The Cash Dividend and Terminal Dividend are NON-GUARANTED. Kindly refer to the Sales Illustration for further information on Cash Dividend and Terminal Dividend.
•

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 satisfy 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 permanent disability, while sane or insane, occurs within one year form 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, conditions and definitions of this insurance plan are specified in the policy contract.

In the event of discrepancy, ambiguity and conflict in interpreting any terms or conditions of the brochure, the English version shall prevail and supersedes the Bahasa Malaysia and Chinese versions.
 

 

• EXCLUSION
-

If Accidental Death of the Life Assured is caused directly or indirectly, wholly or partly due to the following (as below), only the Basic Sum Assured (i.e. 100%) will be payable
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 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.