We can never be certain what the future holds but what we can certainly be prepared should something unfortunate happen to us.

Uni Protector Enhanced provides you insurance protection against Death and Total and Permanent Disability as well as the 36 Critical Illnesses.
   
• Entry Age
- Minimum 16 years old
- Maximum 60 years old
   
• Term
  Basic/Rider term:
  Term to age 55, 60, 65
  10 to 30 years (subject to maximum expiry age of 75)
   
• Sum Assured Limit:
  Minimum: RM50,000/- (for basic policy)
  RM20,000/- (for rider)
  Maximum: RM1,000,000
 
Death / TPD Benefit
100% of Sum Assured will be payable upon the occurrence of Death or TPD, whichever is earlier, after which the policy automatically terminates.
Diagnosis of 36 Critical Illnesses
This plan comes with a Critical Illness accelerator on the Sum Assured, whereby the Sum Assured is payable upon the earlier of death or diagnosis of any of the 36 Critical Illnesses before age 75, while the policy is in force. The maximum Sum Assured on any one life is RM1 million inclusive of all Critical Illnesses insurance coverage from all companies.
Surrender Benefit (Applicable to basic plan only)
The basic / rider cash value is payable from the end of the third policy year onwards and the policy will be terminated upon death of Life Assured.
 
 
  Indicative Annual Premium Rates for male smokers per thousand Sum Assured for a basic plan with policy term of 20 years.