Uni Payor Enhanced provides extra financial assistance to ease your financial burden and that of your family's, in case of unforeseen events such as loss of life, Total and Permanent Disability (TPD) or upon diagnosis of any of the 36 Critical Illnesses.     • This is a decreasing term rider     This rider will only cover the life of the payor of the basic policy to which this is attached, and not the Life Assured of the basic policy. This rider is not applicable in cases whereby the payor and the Life Assured are the same person. Hence, this can only be attached to a 3rd party policy. Death/TPD/Critical Illness Benefits Upon the occurrence of death or TPD or diagnosis of any of the 36 Critical Illnesses, you can either choose waiver of premium on basic plan or opt for family income benefit which is payable until expiry of term coverage in any of the following three methods: - Waiver of premium on basic plan; or - Family income benefit is payable until expiry of coverage term, whereby the benefit shall be payable in any of the following 3 methods: i) Monthly Income (default); ii) Lump Sum (upon request); or iii) Annual Income (upon request).   1. Monthly Income 2. Lump Sum (upon request) 3. Annual Income (upon request) • A 30 day waiting period applies to the critical illnesses coverage from date of inception or reinstatement of the benefit.     Indicative Annual Premium Rates for male smokers per RM1000 FIB/premium waived for a plan with policy term of 20 years:         [Close]