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| A helping hand is what you need when the events in your life constantly change, and flexibility becomes an important consideration to help manage the changes that are taking place. Just like that particular hand that supports you, Uni.Asia Life offers you Uni ProSave Link Plus - a regular premium investment-linked insurance plan that not only supports you basic insurance protection and healthy investment returns, it also comes with the flexibility to adjust your premium savings, insurance coverage and investments, all at the same time. Flexibility is key in Uni ProSave Link Plus. It gives you better control over the important decisions you need to make in life. |
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| • | Protection | ||||||||||||||||||
| Death Benefit The Sum Assured plus Account Value is payable in one lump sum upon death. Total & Permanent Disability (TPD) The Account Value is payable upon TPD before age 60. In addition to the Account Value, the Sum Assured will be payable. Maturity Benefit The Account Value is payable in one lump sum upon maturity. |
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| • | Wider Coverage | ||||||||||||||||||
| Policyholder may widen the coverage by attaching riders to the policy. Some attachable riders include: | |||||||||||||||||||
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| • | Flexibility | ||||||||||||||||||
| Full Or Partial Withdrawal Policyholder may exercise partial or full withdrawal of the Account Value at any time. Top-Up Policyholder may make single or regular premium top-ups to increase the investment amount. Switching Policyholder may partially or completely switch their Account Value to another investment fund offered under this product within the Company. Premium Holiday Policyholder may pause paying premium so long as there is sufficient fund in the policy. |
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| • | Investment Options | ||||||||||||||||||
| You have the flexibility to choose which fund(s) you want to invest your money in. Your decision depends on your investment objective and risk tolerance. Uni ProSave Link Plus offers you four choices of professionally managed funds: 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. Uni Aggressive Fund A fund which seeks to achieve consistent and above average capital appreciation over the medium-to-long term by investing mainly in companies with market capitalization of not more than RM750 million at the time of acquisition. Uni AsiaEquity Fund A fund which seeks to achieve consistent, above-average capital appreciation and reasonable income over the medium-to-long term by investing in a balanced portfolio of quality investments in Malaysia and other Asia markets excluding Japan. 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. |
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| • | Fund Manager | ||||||||||||||||||
| The funds invested through Uni ProSave Link Plus are co-managed by UOB-OSK Asset Management Sdn Bhd and Uni.Asia Life Assurance Berhad. | |||||||||||||||||||
| • | Flexibility In Managing Your Own Portfolio | ||||||||||||||||||
| You may start your regular savings plan from as low as RM100 per month. Thereafter, you may top-up, make partial or full withdrawal or switch between funds. The following are tips for you to manage your investment smartly: Top-Up Policyholder should use the top-up facility as a vehicle to maximize his investment values. He may make single or regular premium top-ups. The minimum amount is RM50 (in multiples of RM50) per transaction at any time. 100% of the top-up amount will be allocated for investment. Partial Or Full Withdrawal You may make partial or full withdrawal at any time. Partial withdrawal from a minimum of RM1,000 (in multiples of RM500) is allowed so long as you maintain a minimum balance of RM1,000 in Account Value at all times. In the event you make a full withdrawal, your policy will be terminated. Switching You may switch between funds, either fully or partially at any time. Partial switch from a minimum of RM500 (in multiples of RM500) so long as you maintain a minimum balance of RM1,000 in the Account Value. To request for Top-Up, Partial or Full Withdrawal, or Switching, the policyholder has to fill up a prescribed form furnished by the Company and subject to approval. |
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| • | Daily Pricing | ||||||||||||||||||
| The pricing of the funds shall be computed on daily basis. The Offer Price and Bid Price of the investment-linked fund is based on forward pricing. The Offer Price is the price at which policyholder buys the units in a Fund. The Bid Price is the price at which policyholder sells the units back to the Company. The Bid Price is 95% of the Offer Price (i.e. Bid-Offer Spread of 5%). |
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| • | Premium Allocation | ||||||||||||||||||
| a) Basic Premium The basic premium allocated for investment will follow the allocation rates set out in the table below. The allocated premium, net of bid-offer spread, is used to purchase units. |
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| From the above example, for the first policy year, RM855 will be used to purchase units, before deducting other charges. The illustration will vary according to the policy year and basic premium amount. b) Single Or Regular Top-Up Premium 95% net of bid-offer spread, the single or regular top-up premium will be allocated into investment or purchasing of units. For example, out of RM1,000 top-up premium, RM950 will be used to purchase units, before deducting other charges. |
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| This fund is opened to anyone aged 2 weeks old to 70 years old. The minimum age for the proposer is 18 years old. The minimum Basic Premium per month is RM100. | |||||||||||||||||||
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| • | Monthly Service Charge** | ||||||||||||||||||
| A monthly service charge will be deducted from the accounts. The amount charged is based on the mode of payment: | |||||||||||||||||||
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| • | Fund Management Charges | ||||||||||||||||||
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| These management charges are accrued on a monthly basis. For an investment which is invested in more than one fund, the fund management charge would be based on the actual weightage of the funds selected. | |||||||||||||||||||
| • | Insurance And Other Charges** | ||||||||||||||||||
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| * These charges are currently waived until further notice. ** The charges above are not guaranteed and may be varied by Uni.Asia Life Assurance Berhad by giving at least three (3) months written notice prior to the next policy anniversary of any such variation. However the maximum annual increment will not exceed the Malaysia Consumer Price Index (CPI) increase or any such other index used to determine consumer price increase as decided by Uni.Asia Life Assurance Berhad over the relevant period. |
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