QT Nil P 0281201412122056697

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
MS LENG
Plan Type
SmartProtect Essential Insurance 2
PRESENTED BY : PENANG BRANCH (9999999)

DATE PREPARED : 12/12/2014
Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : +603 4259 8888 Fax : +603 4259 8000
Date: 12/12/2014
(GELSIS-5.45)
Prepared by : PENANG BRANCH
Quotation for
Plan Type
Client Name
: 0281 SmartProtect Essential Insurance 2

: Regular Premium Investment-Linked Insurance Plan
: MS LENG
Benefits Provided:
Death Benefit
Lump sum (all causes)
Total & Permanent Disability (TPD)

Benefit
Lump sum
Income
Amount:
RM 120,000 plus
Additional Sum
Assured plus Total
Investment Value
RM 120,000 plus
Additional Sum
Assured, subject to a
maximum of
RM2,000,000
Not Applicable
Up to RM 120,000
RM 120,000
Accident Benefit
Accidental Death
RM 30,000
Accidental Death (in public conveyance) RM 30,000
Accidental TPD
Not Applicable
Accidental Dismemberment
Not Applicable
Accidental Medical Reimbursement
RM 4,000 per year
Accidental Income:
I) Temporary Total Disability
Not Applicable
II) Temporary Partial Disability
Not Applicable
III) Confinement in Government Hospital Not Applicable
Compassionate Allowance
Not Applicable
Renewal Incentive
Not Applicable
Hospitalisation Income Benefit
Normal Ward Confinement
ICU Confinement
Confinement in Government Hospital
(all causes)
Benefits Provided:
Female Illnesses Benefit
Lady Benefit
Pregnancy & Neonatal Benefit / Infant

Coverage
Covered Event Benefit

Early payout in lump sum
Lump sum
Gender
Smoker
Age Next Birthday
Occupation Class
Premium Mode
Not Applicable
Not Applicable
RM 200 per day
: Female
: No
: 25
:1
: Monthly
Amount:
Not Applicable
Not Applicable
Medical Benefit (1) - SmartMedic Xtra

and SmartMedic Enhancer
Room & Board (R&B) Limit

Increase to the Hospital R&B Limit at
the end of every 3rd policy year
Medical Reimbursement:
I) Hospital and Surgical Benefit
II) Outpatient Treatment Benefit
Reimbursement up to:
I) Initial Overall Annual Limit
II) Overall Lifetime Limit
Increase to Initial Overall Annual Limit
at the end of every 3rd policy year
Overall Annual Limit
Medical Benefit (2) - Smart Extender

Deductible Amount (per policy year)
Room & Board (R&B) Limit
Medical Reimbursement:
I) Hospital and Surgical Benefit
II) Outpatient Treatment Benefit
Reimbursement up to:
I) Overall Annual Limit
II) Overall Lifetime Limit
RM 200
RM 20
As Charged
As Charged
RM 120,000
RM 1,200,000
RM 12,000
Total of Initial Overall
Annual Limit and any
cumulative increase to
the Initial Overall
Annual Limit
RM 120,000
RM 200
As Charged
As Charged
RM 1,200,000
No Limit
Payer Benefit
Death Benefit / TPD Benefit
Waiver Benefit
TPD Benefit
Not Applicable
Not Applicable
RM 3,600 per year
RM 3,600 per year
Note: Please refer to the policy contract, sales illustration and Product Disclosure Sheet for more information about the benefits of
the basic plans and its optional riders.
PENANG BRANCH / 9999999 / (GELSIS-5.45)
Page 2 of 18
PLAN DESCRIPTIONS:
SmartProtect Essential Insurance 2 is a regular premium investment-linked insurance plan with access to professionally
managed Unit Funds with the benefit of insurance coverage. Although some of the choice of funds invest in Shariahapproved securities, SmartProtect Essential Insurance 2 is not a Shariah-compliant product.
Premiums paid are used to purchase units in the Unit Fund(s). The policy value of this plan will vary directly with the
performance of the Unit Fund(s).
This plan provides you benefits in the event of death or Total and Permanent Disability (TPD). In addition, this plan also give
you 1% additional sum assured every year at no cost, which will be payable in the event of death or TPD, subject to relevant
terms and conditions.
There is no maturity or expiry date for this plan. However, termination of this plan shall be subject to the terms and
conditions stipulated in the policy contract. For illustration calculation purpose, the policy term is by default 99 years minus
age at entry.
Basic Plan and Rider(s),
if any
Basic Annual Premium #
Insurance Premium
Term
(Years)
74
Benefit Amount
(RM)
120,000
Annualised
Premium ^
(RM)
3,600.00
Extra Mortality
(%)
0%
Loading (RM
Per 1,000)
0.00
Extra
Premium
(RM)
Monthly
Premium ^
(RM)
0.00
300.00
Unit deduction rider(s)

U100 IL CIBR
74
120,000
0.00
0%
0.00
0.00
0.00
U86 SEPCC
45
120,000
0.00
0%
0.00
0.00
0.00
U120 SMX200
55
200
0.00
0%
0.00
0.00
0.00
U110 SME200
55
200
0.00
0%
0.00
0.00
0.00
U135 SE120K
55
200
0.00
0%
0.00
0.00
0.00
U102 IL PWE
55
3,600
0.00
0%
0.00
0.00
0.00
Total (RM)
3,600.00
0.00
300.00
^ All premium payable by a business organization other than Great Eastern Life Assurance (Malaysia) Berhad, are subject to the
prevailing government service tax.
# Basic Annual Premium comprises Insurance Premium.
For unit deduction rider(s), the coverage for these riders is paid from the Basic Annual Premium.
IMPORTANT:
THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A
PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.
You should read this illustration together with the fund fact sheet(s) of the Unit Fund(s) which you have chosen. The fund fact
sheet contains all the important information that you will need to know regarding the Unit Fund(s).
Since only 43% of the Insurance Premium for the first two policy years is used to purchase units, while 95% of Top-Ups is used
to purchase units, you can maximize your investment value by minimizing your Basic Annual Premium and maximizing your
Top Ups.
Minimum Basic Annual Premium Required*
: RM1,200.00
Minimum Single Premium Top-Ups Allowed*
: RM1,000.00
* This is the minimum amount that you can purchase. Please note that the amount purchased may be subject to further
adjustments in accordance to regulatory guidelines.
Therefore, if your purchase involves a premium of sizeable amount say RM 5,000 and above, you should consider purchasing
a single premium investment-linked insurance policy (rather than a regular premium policy) as single premium plans offer
better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance
protection as regular premium plans and may have less riders attachable.
Subject to No-Lapse Guarantee, your investment-linked insurance policy will lapse / terminate if there is not enough units in
your fund(s) to pay the charges. Your units may not be enough over the years due to: High insurance charges if you buy too much coverage (i.e high Basic Sum Assured or too many riders), and especially if the
charges are increasing over time as you get older.
Poor investment returns.
Premium holiday - i.e. if you stop paying premiums for a long period of time.
WARNING
YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE
ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT
RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED, UNLESS NO-LAPSE GUARANTEE APPLIES. YOU
MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO
MAINTAIN YOUR POLICY.*
*You should ask your agent to explain to you about the insurance charges and its effect on your future insurance coverage.
SUMMARY ILLUSTRATION:
This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees
and charges on cash values based on illustration below.
The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your
chosen Unit Fund(s). They are not guaranteed and not based on past performance.
Actual returns of the fund(s) will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invests
in.
The actual returns may even be below the projected rates or negative.
Page 3 of 18
Investment Strategy Selected

Investment Horizon
: My Choiced ^
: 74 Years
Your Investment Strategy is determined after following through the steps as in the 5-step Guide to choosing the right
investment strategy. Investors are broadly classified to 6 categories based on their risk aptitude, ranging from very secure type
of investor to very dynamic type of investor. Besides the standard strategies, you can also choose your own Investment
Strategy that best suits your risk profile.
You should satisfy yourself that the Investment Horizon selected is reasonable in achieving your financial goal.
Projected Gross Investment Return #
Y%
X%
Policy Year 1-20
Policy Year 21-30
Policy Year 1-30
Unit Fund(s) Selected

F1
F4
F5
F6
F9
F17
F18
Lion Balanced Fund

Lion Fixed Income Fund
Lion Progressive Fund
Dana Sejati
Lion Strategic Fund
Lion Enhanced Equity Fund
Dana Gemilang
Policy Year
From
To
1
8%
7%
8%
7%
8%
9%
9%
F1
F4
74
5.50%
5.00%
5.50%
5.00%
5.50%
6.00%
6.00%
F5
Unit Fund(s) Selected

F6
3%
4%
3%
4%
3%
2%
2%
F9
F17
F18
100%
Weighted Projected Gross Investment Return X% and Y%

Policy Year
From
To
Weighted Projected Gross Investment Return #*

Y%
X%
1
20
9.00
2.00
21
30
6.00
2.00
* Weighted Projected Gross Investment Return is not applicable for the selection of My Choiced Investment Strategy. The Projected Gross Investment
Return for My Choiced Investment Strategy will be according to the respective funds chosen.
^Please refer to Important Notes for your investment profile.
#Before deduction for tax and fund management charge
Page 4 of 18

Date: 12/12/2014
(GELSIS-5.45)
Illustration of Expected Benefits for Basic Plan and Rider(s), if any
Not Guaranteed
End of
Policy Year
Age at End
of Policy
Year
Total Premium
Paid
Net Projected Investment Return

of Fund: Y%#
Cash Value
Death Benefit
Rider(s)
Net Projected Investment Return

of Fund: X%#
Cash Value
IL CIBR
SEPCC
SMX200
SME200
SE120K
IL PWE
Death Benefit
26
3,600.00
369
120,369
357
120,357
120,000
120,000
200
200
200
3,600
27
7,200.00
763
121,963
715
121,915
120,000
120,000
200
200
200
3,600
28
10,800.00
2,407
124,807
2,256
124,656
120,000
120,000
200
200
200
3,600
29
14,400.00
4,153
127,753
3,794
127,394
120,000
120,000
200
200
200
3,600
30
18,000.00
6,344
131,144
5,652
130,452
120,000
120,000
200
200
200
3,600
31
21,600.00
8,665
134,665
7,499
133,499
120,000
120,000
200
200
200
3,600
32
25,200.00
11,652
138,852
9,844
137,044
120,000
120,000
200
200
200
3,600
33
28,800.00
14,827
143,227
12,184
140,584
120,000
120,000
200
200
200
3,600
34
32,400.00
18,200
147,800
14,514
144,114
120,000
120,000
200
200
200
3,600
10
35
36,000.00
21,782
152,582
16,833
147,633
120,000
120,000
200
200
200
3,600
11
36
39,600.00
25,581
157,581
19,135
151,135
120,000
120,000
200
200
200
3,600
12
37
43,200.00
29,490
162,690
21,303
154,503
120,000
120,000
200
200
200
3,600
13
38
46,800.00
33,637
168,037
23,451
157,851
120,000
120,000
200
200
200
3,600
14
39
50,400.00
38,038
173,638
25,581
161,181
120,000
120,000
200
200
200
3,600
15
40
54,000.00
42,706
179,506
27,687
164,487
120,000
120,000
200
200
200
3,600
16
41
57,600.00
47,637
185,637
29,749
167,749
120,000
120,000
200
200
200
3,600
17
42
61,200.00
52,671
191,871
31,594
170,794
120,000
120,000
200
200
200
3,600
18
43
64,800.00
57,986
198,386
33,387
173,787
120,000
120,000
200
200
200
3,600
19
44
68,400.00
63,577
205,177
35,105
176,705
120,000
120,000
200
200
200
3,600
20
45
72,000.00
69,469
212,269
36,753
179,553
120,000
120,000
200
200
200
3,600
21
46
75,600.00
73,738
217,738
38,326
182,326
120,000
120,000
200
200
200
3,600
22
47
79,200.00
77,868
223,068
39,599
184,799
120,000
120,000
200
200
200
3,600
23
48
82,800.00
82,062
228,462
40,777
187,177
120,000
120,000
200
200
200
3,600
24
49
86,400.00
86,298
233,898
41,835
189,435
120,000
120,000
200
200
200
3,600
25
50
90,000.00
90,589
239,389
42,783
191,583
120,000
120,000
200
200
200
3,600
26
51
93,600.00
94,928
244,928
43,612
193,612
120,000
120,000
200
200
200
3,600
27
52
97,200.00
98,954
250,154
43,966
195,166
120,000
120,000
200
200
200
3,600
28
53
100,800.00
103,005
255,405
44,187
196,587
120,000
120,000
200
200
200
3,600
29
54
104,400.00
107,050
260,650
44,243
197,843
120,000
120,000
200
200
200
3,600
30
55
108,000.00
111,118
265,918
44,163
198,963
120,000
120,000
200
200
200
3,600
# Refer to table "Weighted Projected Gross Investment Return X% and Y%" for details.
NOTES: -
1. IL CIBR
:IL Critical Illness Benefit Rider
SEPCC
:Smart Early Payout CriticalCare
SMX200
:SmartMedic Xtra 200
SME200
:SmartMedic Enhancer 200
SE120K
:Smart Extender 120K
IL PWE
:IL Premium Waiver Extra Rider
2.Benefit(s) under the rider(s) is payable only if the basic plan and the rider(s) are in force.
3.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
4.All figures presented are in RM. (E&OE)
Page 5 of 18
5.The projected investment returns shown above is net of tax and all applicable charges.
Page 6 of 18

Date: 12/12/2014
(GELSIS-5.45)
Illustration of Expected Benefits under net projected investment return of X% and Y% assumption #
Not Guaranteed
End of
Policy
Year
Age at
End of
Policy
Year
(A)
(B)
(C)
(D)
(E)
(F)
Premium
Paid
Unallocated
1
Premium
Allocated
Premium
Basic Sum
Assured
Additional
Sum
Assured
(G)
Insurance Charge
Basic Plan
(H)
(I)
(J)
(K) = (D)+(E)+(J)
(L)
Policy Fee
Fund Management
Charge
Net Cash Value
Death Benefit
Direct
Distribution
2
Cost
Y%
X%
26
3,600.00
2,052.00
1,548.00
120,000
144.72
Rider(s)
974.63
72
Y%
2
X%
2
Y%
369
X%
357
120,369
120,357
1,260.00
27
3,600.00
2,052.00
1,548.00
120,000
1,200
144.72
975.12
72
763
715
121,963
121,915
1,260.00
28
3,600.00
864.00
2,736.00
120,000
2,400
144.72
983.22
72
22
23
2,407
2,256
124,807
124,656
900.00
29
3,600.00
864.00
2,736.00
120,000
3,600
144.72
991.65
72
46
45
4,153
3,794
127,753
127,394
900.00
30
3,600.00
540.00
3,060.00
120,000
4,800
144.72
1,001.46
72
74
71
6,344
5,652
131,144
130,452
540.00
31
3,600.00
540.00
3,060.00
120,000
6,000
144.72
1,018.77
72
105
98
8,665
7,499
134,665
133,499
540.00
32
3,600.00
0.00
3,600.00
120,000
7,200
144.72
1,068.10
72
143
130
11,652
9,844
138,852
137,044
0.00
33
3,600.00
0.00
3,600.00
120,000
8,400
144.72
1,081.73
72
186
164
14,827
12,184
143,227
140,584
0.00
34
3,600.00
0.00
3,600.00
120,000
9,600
144.72
1,098.36
72
232
199
18,200
14,514
147,800
144,114
0.00
10
35
3,600.00
0.00
3,600.00
120,000
10,800
144.72
1,117.77
72
280
234
21,782
16,833
152,582
147,633
0.00
11
36
3,600.00
0.00
3,600.00
120,000
12,000
144.72
1,143.09
72
332
268
25,581
19,135
157,581
151,135
0.00
12
37
3,600.00
0.00
3,600.00
120,000
13,200
144.72
1,284.36
72
386
301
29,490
21,303
162,690
154,503
0.00
13
38
3,600.00
0.00
3,600.00
120,000
14,400
144.72
1,310.85
72
442
333
33,637
23,451
168,037
157,851
0.00
14
39
3,600.00
0.00
3,600.00
120,000
15,600
144.72
1,337.36
72
502
365
38,038
25,581
173,638
161,181
0.00
15
40
3,600.00
0.00
3,600.00
120,000
16,800
144.72
1,368.16
72
565
396
42,706
27,687
179,506
164,487
0.00
16
41
3,600.00
0.00
3,600.00
120,000
18,000
156.60
1,406.94
72
633
427
47,637
29,749
185,637
167,749
0.00
17
42
3,600.00
0.00
3,600.00
120,000
19,200
167.40
1,619.60
72
702
456
52,671
31,594
191,871
170,794
0.00
18
43
3,600.00
0.00
3,600.00
120,000
20,400
180.36
1,665.44
72
774
483
57,986
33,387
198,386
173,787
0.00
19
44
3,600.00
0.00
3,600.00
120,000
21,600
195.48
1,731.08
72
851
509
63,577
35,105
205,177
176,705
0.00
20
45
3,600.00
0.00
3,600.00
120,000
22,800
213.84
1,788.05
72
931
534
69,469
36,753
212,269
179,553
0.00
21
46
3,600.00
0.00
3,600.00
120,000
24,000
235.44
1,847.34
72
1,028
558
73,738
38,326
217,738
182,326
0.00
22
47
3,600.00
0.00
3,600.00
120,000
25,200
262.44
2,125.00
72
1,088
579
77,868
39,599
223,068
184,799
0.00
23
48
3,600.00
0.00
3,600.00
120,000
26,400
294.84
2,191.52
72
1,147
597
82,062
40,777
228,462
187,177
0.00
24
49
3,600.00
0.00
3,600.00
120,000
27,600
332.64
2,278.04
72
1,208
613
86,298
41,835
233,898
189,435
0.00
25
50
3,600.00
0.00
3,600.00
120,000
28,800
373.68
2,349.71
72
1,269
628
90,589
42,783
239,389
191,583
0.00
26
51
3,600.00
0.00
3,600.00
120,000
30,000
419.04
2,427.15
72
1,331
641
94,928
43,612
244,928
193,612
0.00
27
52
3,600.00
0.00
3,600.00
120,000
31,200
469.80
2,852.04
72
1,390
650
98,954
43,966
250,154
195,166
0.00
28
53
3,600.00
0.00
3,600.00
120,000
32,400
522.72
2,934.06
72
1,448
654
103,005
44,187
255,405
196,587
0.00
29
54
3,600.00
0.00
3,600.00
120,000
33,600
579.96
3,042.42
72
1,506
656
107,050
44,243
260,650
197,843
0.00
30
55
3,600.00
0.00
3,600.00
120,000
34,800
643.68
3,114.02
72
1,564
656
111,118
44,163
265,918
198,963
0.00
# Refer to table "Weighted Projected Gross Investment Return X% and Y%" for details.
1. This represents a charge to your premium and is used to meet the direct distribution cost and Company's expenses.
2. Cost directly attributable to the distribution channel for the marketing of this policy, i.e. payments to your agent. This cost is paid from the charges that are imposed on your policy for services that your agent will provide
to you for the duration of your policy. Note also that production bonus (5% of the first year premium) and persistency bonus (5% of the second year premium) are payable provided your agent meets the qualifying criteria
set by the Company.
3. The projected investment returns shown above is net of tax and all applicable charges.
NOTES: 1. The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED.
Page 7 of 18
2. The value of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets.
3. Past actual performance is NOT a guide to future performance which may be different.
4. The illustrated life insurance charges and other charges are based on current levels. These may be varied from time to time.
5. Where "N/A" is shown in the above illustration, this indicates that there is no insurance charges and benefit coverage for the rider(s).
6. Where "-" is shown in the above illustration, this indicates that the policy has lapsed under the projected investment returns of X% and Y% respectively, as indicated in the respective column headers. As a result, this
means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the policy is based on the projected investment
return of Y%. Please note that these outcomes are based on the assumed investment returns, premiums paid and charges. The benefits may vary, and subject to No-Lapse Guarantee, the policy may lapse earlier or later
depending on actual investment returns, premiums paid and charges
7. Your insurance charges will increase according to your attained age next birthday and, may then result in higher insurance charges as compared to your allocated premium at any point during your policy is in force. The
above illustration shows that your insurance charges are higher than your allocated premium at age 54 at the end of policy year 29 where your Cash Value will be depleted. However, as the insurance coverage may vary
over time, the insurance charges maybe higher or lower than your allocated premium, and maybe earlier or later than the above illustration of Age at End of Policy Year.
8. This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
9. All figures presented are in RM. (E&OE)
Page 8 of 18
** IMPORTANT NOTES

Date : 12/12/2014
Page 9 of 18
Great Eastern Life Assurance (Malaysia) Berhad

(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
MS LENG
Jenis Pelan
SmartProtect Essential Insurance 2
DISEDIAKAN OLEH : PENANG BRANCH (9999999)

TARIKH DISEDIAKAN : 12/12/2014
Page 10 of 18

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : +603 4259 8888 Faks : +603 4259 8000
Tarikh: 12/12/2014
(GELSIS-5.45)
Disediakan oleh : PENANG BRANCH
Sebut Harga untuk
Jenis Pelan
Nama Pelanggan
: 0281 SmartProtect Essential Insurance 2

: Pelan Insurans Berkaitan Pelaburan dengan Premium Tetap
: MS LENG
Manfaat yang Disediakan:

Manfaat Kematian
Jumlah sekali gus (semua sebab)
Manfaat Hilang Upaya Total dan Kekal

(TPD)
Jumlah sekali gus
Pendapatan
Manfaat Kejadian yang Dilindungi
Pembayaran peringkat awal dalam
jumlah sekali gus
Jumlah sekali gus
Amaun:
Manfaat yang Disediakan:

Manfaat Penyakit Wanita
Manfaat Wanita
RM 120,000 termasuk
Jumlah Asurans
Tambahan termasuk
Jumlah Nilai
Pelaburan
Manfaat Kehamilan & Neonatal /
Perlindungan Bayi
RM 120,000
I) Manfaat Hospital dan Pembedahan

II) Manfaat Rawatan Pesakit Luar
Kematian akibat Kemalangan

Kematian akibat Kemalangan
(pengangkutan awam)
TPD akibat Kemalangan
Hilang Upaya akibat Kemalangan
RM 30,000
RM 30,000
Pembayaran balik Perubatan

Kemalangan
RM 4,000 setahun
Tidak Berkenaan
Tidak Berkenaan
Tidak Berkenaan
Pembayaran balik sehingga:

I) Had Tahunan Keseluruhan
Permulaan
II) Had Seumur Hidup Keseluruhan
Penambahan kepada Had Tahunan
Keseluruhan Permulaan pada akhir
setiap 3 tahun polisi
Had Tahunan Keseluruhan
Manfaat Perubatan (2) - Smart Extender

Amaun Deduktibel (bagi setiap tahun
polisi)
Had Bilik & Hidangan (R&B)
II) Hilang Upaya Separa yang

Sementara
III) Dimasukkan ke Hospital Kerajaan
Elaun Ihsan
Tidak Berkenaan
Tidak Berkenaan
Tidak Berkenaan
Pembayaran balik Perubatan:

I) Manfaat Hospital dan Pembedahan
Insentif Pembaharuan
Tidak Berkenaan
II) Manfaat Rawatan Pesakit Luar
Manfaat Pendapatan Kemasukan

Hospital
Kemasukan di Wad Biasa
Kemasukan di Unit Rawatan Rapi
Dimasukkan ke Hospital Kerajaan
(semua sebab)
: Perempuan
: Tidak
: 25
:1
: Bulanan
Amaun:
Tidak Berkenaan
Tidak Berkenaan
RM 120,000 termasuk Manfaat Perubatan (1) - SmartMedic Xtra

Jumlah Asurans
dan SmartMedic Enhancer
Tambahan, tertakluk
kepada maksimum
RM2,000,000
Had Bilik & Hidangan (R&B)
Tidak Berkenaan
RM 200
Penambahan kepada Had Bilik &
RM 20
Hidangan Hospital pada akhir setiap 3
tahun polisi
Pembayaran balik Perubatan:
Sehingga RM 120,000
Manfaat Kemalangan
Pendapatan akibat Kemalangan:

I) Hilang Upaya Total yang Sementara
Jantina
Merokok
Umur Hari Jadi
Berikut
Kelas Pekerjaan
Jenis Premium
Seperti caj yang

dikenakan
Seperti caj yang
dikenakan
RM 120,000
RM 1,200,000
RM 12,000
Jumlah Had Tahunan
Keseluruhan
Permulaan dan
sebarang
penambahan kumulatif
bagi Had Tahunan
Keseluruhan
Permulaan
RM 120,000
RM 200
Seperti caj yang

dikenakan
Seperti caj yang
dikenakan
Pembayaran balik sehingga:

Tidak Berkenaan
Tidak Berkenaan
RM 200 sehari
I) Had Tahunan Keseluruhan

II) Had Seumur Hidup Keseluruhan
RM 1,200,000
Tiada Had
Manfaat Pembayar
Manfaat Kematian / Manfaat TPD
Manfaat Pengenepian
Manfaat TPD
Tidak Berkenaan
Tidak Berkenaan
RM 3,600 setahun
RM 3,600 setahun
Nota: Sila rujuk kontrak polisi, ilustrasi jualan dan Risalah Pemberitahuan Produk bagi maklumat yang lebih lanjut berkenaan
manfaat pelan asas dan rider yang dipilih.
Page 11 of 18
PENERANGAN PELAN:
SmartProtect Essential Insurance 2 merupakan pelan insurans berkait pelaburan dengan premium tetap yang dilaburkan
dalam Dana Unit yang diuruskan secara profesional berserta manfaat perlindungan insurans. Walaupun sesetengah dana
melabur dalam sekuriti yang diluluskan Syariah, SmartProtect Essential Insurance 2 bukan produk berlandaskan Syariah.
Premium yang dibayar akan digunakan untuk membeli unit dalam Dana Unit. Nilai polisi bagi pelan ini akan berubah secara
langsung mengikut prestasi Dana Unit.
Pelan ini menyediakan manfaat yang akan dibayar apabila anda meninggal dunia atau Hilang Upaya Total dan Kekal (TPD).
Sebagai tambahan, pelan ini juga menyediakan 1% jumlah asurans tambahan pada setiap tahun, tanpa kos tambahan,
yang akan dibayar apabila berlaku kematian atau TPD, tertakluk kepada terma dan syarat.
Pelan ini tidak mempunyai tarikh matang atau tempoh tamat. Namun, penamatan pelan ini tertakluk kepada terma dan
syarat yang dinyatakan dalam kontrak polisi. Bagi tujuan pengiraan ilustrasi, tempoh polisi ditetapkan pada 99 tahun tolak
umur kemasukan.
Pelan Asas dan Rider,
jika ada
0281 Premium Tahunan
Asas#
Premium Insurans
Tempoh
(Tahun)
74
Amaun
Manfaat (RM)
120,000
Premium
Tahunan ^
(RM)
3,600.00
Mortaliti
Tambahan (%)
0%
Beban (RM
Bagi Setiap
1,000)
0.00
Premium
Tambahan
(RM)
0.00
Premium
Bulanan ^
(RM)
300.00
Rider dengan penolakan

unit
U100 IL CIBR
74
120,000
0.00
0%
0.00
0.00
0.00
U86 SEPCC
45
120,000
0.00
0%
0.00
0.00
0.00
U120 SMX200
55
200
0.00
0%
0.00
0.00
0.00
U110 SME200
55
200
0.00
0%
0.00
0.00
0.00
U135 SE120K
55
200
0.00
0%
0.00
0.00
0.00
U102 IL PWE
55
3,600
0.00
0%
0.00
0.00
0.00
Jumlah (RM)
3,600.00
0.00
300.00
^ Semua premium yang dibayar oleh organisasi perniagaan selain daripada Great Eastern Life Assurance (Malaysia) Berhad adalah
tertakluk kepada cukai perkhidmatan semasa yang dikenakan kerajaan.
# Premium Tahunan Asas terdiri daripada Premium Insurans.
Bagi rider dengan penolakan unit, perlindungan bagi rider-rider ini dibayar daripada Premium Tahunan Asas.
PENTING:
INI MERUPAKAN PRODUK INSURANS DENGAN BERLANDASKAN PRESTASI YANG MENDASARI ASET DAN BUKAN SUATU
PRODUK PELABURAN SEBENAR SEPERTI UNIT AMANAH.
Anda hendaklah membaca ilustrasi ini bersama-sama dengan risalah pernyataan dana bagi Dana Unit yang telah dipilih.
Risalah pernyataan dana mengandungi semua maklumat penting yang anda perlu ketahui berkenaan Dana Unit.
Memandangkan hanya 43% daripada Premium Insurans untuk dua tahun polisi pertama akan digunakan untuk membeli unit,
manakala 95% daripada Penambahan digunakan untuk membeli unit, anda boleh memaksimumkan nilai pelaburan dengan
meminimumkan Premium Tahunan ASAS dan memaksimumkan Penambahan.
Premium Tahunan Asas Minimum yang Diperlukan*:
: RM1,200.00
Penambahan Premium Tunggal Minimum yang Dibenarkan*:
: RM1,000.00
*Ini adalah amaun minimum yang boleh dibeli. Sila ambil perhatian bahawa amaun tersebut tertakluk kepada pelarasan
lanjutan mengikut peraturan dalam garis panduan.
Oleh itu, jika belian anda melibatkan amaun premium yang besar contohnya RM5,000 dan ke atas, anda disarankan untuk
mempertimbangkan bagi membeli polisi insurans berkaitan pelaburan dengan premium tunggal (berbanding polisi dengan
premium tetap) kerana pelan dengan caruman tunggal menawarkan peruntukan yang lebih baik bagi pelaburan. Namun, sila
ambil perhatian bahawa pelan dengan premium tunggal mungkin tidak menawarkan perlindungan insurans seperti pelan
dengan premium tetap dan rider yang boleh dilampirkan juga terhad.
Tertakluk kepada Jaminan Tidak Luput, polisi insurans berkaitan pelaburan anda mungkin luput/tamat jika unit dalam dana
anda tidak mencukupi bagi membayar caj yang dikenakan. Unit anda mungkin tidak mencukupi akibat:
Caj insurans yang tinggi jika anda membeli terlalu banyak perlindungan (iaitu Jumlah Asurans Asas yang tinggi atau terlalu
banyak rider), terutamanya jika caj adalah meningkat mengikut umur anda.
Pulangan pelaburan yang buruk.
Tempoh apabila premium tidak dibayar - iaitu anda berhenti membayar premium bagi suatu tempoh yang panjang.
AMARAN
CAJ INSURANS ANDA AKAN MENINGKAT MENGIKUT UMUR ANDA. PADA TAHUN-TAHUN AKHIR, TERDAPAT
KEMUNGKINAN BAHAWA NILAI DANA YANG TERKUMPUL TIDAK MENCUKUPI UNTUK MEMBAYAR CAJ INSURANS AKIBAT
PULANGAN PELABURAN YANG BURUK, SETERUSNYA MENYEBABKAN POLISI ANDA BOLEH DIBATALKAN, MELAINKAN
JAMINAN TIDAK LUPUT DIGUNAKAN. ANDA MUNGKIN PERLU MENAMBAH PREMIUM ATAU MENGURANGKAN TAHAP
PERLINDUNGAN INSURANS, JIKA ANDA INGIN MENGEKALKAN POLISI ANDA.*
*Sila dapatkan penerangan berkenaan caj insurans serta kesannya terhadap perlindungan insurans masa depan anda daripada ejen.
RINGKASAN ILUSTRASI:
Ringkasan ilustrasi ini bertujuan untuk menunjukkan kemungkinan perubahan aliran tunai bagi pelaburan dan kesan bayaran
serta caj yang dikenakan ke atas nilai tunai berdasarkan ilustrasi di bawah.
Unjuran pulangan pelaburan yang digunakan di bawah adalah untuk tujuan ilustrasi sahaja dan tidak bermaksud untuk
menunjukkan kemungkinan pulangan Dana Unit pilihan anda. Nilai ini adalah tidak dijamin dan bukan berdasarkan prestasi
yang lepas.
Pulangan sebenar bagi dana mungkin naik turun (sama ada naik atau turun) pada setiap tahun berdasarkan prestasi aset
dana yang dilaburkan.
Pulangan sebenar mungkin kurang daripada kadar unjuran ataupun negatif.
Page 12 of 18
Strategi Pelaburan yang Dipilih

Tempoh Pelaburan
: Pilihan Sendiri ^
: 74 Tahun
Strategi Pelaburan anda ditentukan mengikut langkah yang dinyatakan dalam Panduan 5-langkah bagi memilih strategi
pelaburan yang betul. Secara umum, pelabur diklasifikasikan kepada 6 kategori berdasarkan kesesuaian risiko, bermula
daripada jenis pelabur yang berhati-hati hinggalah kepada jenis pelabur yang sangat dinamik. Selain strategi standard, anda
juga boleh memilih Strategi Pelaburan sendiri yang bersesuaian dengan profil risiko anda.
Anda seharusnya berpuas hati bahawa Tempoh Pelaburan yang dipilih adalah wajar demi mencapai matlamat kewangan
anda.
Unjuran Pulangan Pelaburan Kasar #
Y%
X%
Tahun Polisi 1-20
Tahun Polisi 21-30
Tahun Polisi 1-30
Dana Pelaburan yang Dipilih

F1
F4
F5
F6
F9
F17
F18
Dana Lion Balanced

Dana Lion Fixed Income
Dana Lion Progressive
Dana Sejati
Dana Lion Strategic
Dana Lion Enhanced Equity
Dana Gemilang
Tahun Polisi
Dari
Hingga
1
8%
7%
8%
7%
8%
9%
9%
F1
F4
74
5.50%
5.00%
5.50%
5.00%
5.50%
6.00%
6.00%
Dana Pelaburan yang Dipilih

F5
F6
F9
3%
4%
3%
4%
3%
2%
2%
F17
F18
100%
Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%

Tahun Polisi
Dari
Hingga
Unjuran Pulangan Pelaburan Kasar Berwajaran #*

Y%
X%
1
20
9.00
2.00
21
30
6.00
2.00
* Unjuran Pulangan Pelaburan Kasar Berwajaran tidak berkenaan untuk pemilihan Strategi Pelaburan Pilihan Sendiri. Unjuran Pulangan Pelaburan
Kasar bagi Strategi Pelaburan Pilihan Sendiri adalah mengikut dana pilihan masing-masing.
^Sila rujuk Nota Penting untuk profil pelaburan anda.
#Sebelum potongan untuk cukai dan caj pengurusan dana.
Page 13 of 18

Tarikh: 12/12/2014
(GELSIS-5.45)
Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
Tidak Dijamin
Akhir Tahun Umur pada
Polisi
Akhir Tahun
Polisi
Jumlah
Premium yang
Dibayar
RIDER
Unjuran Pulangan Pelaburan

Bersih bagi Dana: Y%#
Unjuran Pulangan Pelaburan

Bersih bagi Dana: X%#
Nilai Tunai
Nilai Tunai
Manfaat
Kematian
IL CIBR
SEPCC
SMX200
SME200
SE120K
IL PWE
Manfaat
Kematian
26
3,600.00
369
120,369
357
120,357
120,000
120,000
200
200
200
3,600
27
7,200.00
763
121,963
715
121,915
120,000
120,000
200
200
200
3,600
28
10,800.00
2,407
124,807
2,256
124,656
120,000
120,000
200
200
200
3,600
29
14,400.00
4,153
127,753
3,794
127,394
120,000
120,000
200
200
200
3,600
30
18,000.00
6,344
131,144
5,652
130,452
120,000
120,000
200
200
200
3,600
31
21,600.00
8,665
134,665
7,499
133,499
120,000
120,000
200
200
200
3,600
32
25,200.00
11,652
138,852
9,844
137,044
120,000
120,000
200
200
200
3,600
33
28,800.00
14,827
143,227
12,184
140,584
120,000
120,000
200
200
200
3,600
34
32,400.00
18,200
147,800
14,514
144,114
120,000
120,000
200
200
200
3,600
10
35
36,000.00
21,782
152,582
16,833
147,633
120,000
120,000
200
200
200
3,600
11
36
39,600.00
25,581
157,581
19,135
151,135
120,000
120,000
200
200
200
3,600
12
37
43,200.00
29,490
162,690
21,303
154,503
120,000
120,000
200
200
200
3,600
13
38
46,800.00
33,637
168,037
23,451
157,851
120,000
120,000
200
200
200
3,600
14
39
50,400.00
38,038
173,638
25,581
161,181
120,000
120,000
200
200
200
3,600
15
40
54,000.00
42,706
179,506
27,687
164,487
120,000
120,000
200
200
200
3,600
16
41
57,600.00
47,637
185,637
29,749
167,749
120,000
120,000
200
200
200
3,600
17
42
61,200.00
52,671
191,871
31,594
170,794
120,000
120,000
200
200
200
3,600
18
43
64,800.00
57,986
198,386
33,387
173,787
120,000
120,000
200
200
200
3,600
19
44
68,400.00
63,577
205,177
35,105
176,705
120,000
120,000
200
200
200
3,600
20
45
72,000.00
69,469
212,269
36,753
179,553
120,000
120,000
200
200
200
3,600
21
46
75,600.00
73,738
217,738
38,326
182,326
120,000
120,000
200
200
200
3,600
22
47
79,200.00
77,868
223,068
39,599
184,799
120,000
120,000
200
200
200
3,600
23
48
82,800.00
82,062
228,462
40,777
187,177
120,000
120,000
200
200
200
3,600
24
49
86,400.00
86,298
233,898
41,835
189,435
120,000
120,000
200
200
200
3,600
25
50
90,000.00
90,589
239,389
42,783
191,583
120,000
120,000
200
200
200
3,600
26
51
93,600.00
94,928
244,928
43,612
193,612
120,000
120,000
200
200
200
3,600
27
52
97,200.00
98,954
250,154
43,966
195,166
120,000
120,000
200
200
200
3,600
28
53
100,800.00
103,005
255,405
44,187
196,587
120,000
120,000
200
200
200
3,600
29
54
104,400.00
107,050
260,650
44,243
197,843
120,000
120,000
200
200
200
3,600
30
55
108,000.00
111,118
265,918
44,163
198,963
120,000
120,000
200
200
200
3,600
# Rujuk jadual "Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%" untuk maklumat lanjut.
NOTA: -
1. IL CIBR
:IL Critical Illness Benefit Rider
SEPCC
:Smart Early Payout CriticalCare
SMX200
:SmartMedic Xtra 200
SME200
:SmartMedic Enhancer 200
SE120K
:Smart Extender 120K
IL PWE
:IL Premium Waiver Extra Rider
2.Manfaat di bawah rider hanya akan dibayar jika pelan asas dan rider adalah berkuat kuasa.
3.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
Page 14 of 18
4.Semua angka dalam RM. (R&KT)

5.Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.
Page 15 of 18

Tarikh: 12/12/2014
(GELSIS-5.45)
Ilustrasi Anggaran Manfaat di bawah andaian unjuran pulangan pelaburan bersih X% dan Y%#
Tidak Dijamin
(A)
Akhir
Tahun
Polisi
Umur
pada
Akhir
Tahun
Polisi
Premium
yang
Dibayar
(B)
(C)
Premium yang Premium yang

Diperuntukkan
Tidak
1
Diperuntukkan
(D)
(E)
(F)
Jumlah
Asurans
Asas
Jumlah
Asurans
Tambahan
(G)
Caj Insurans
Pelan Asas
(H)
(I)
(J)
(K) = (D)+(E)+(J)
(L)
Yuran
Polisi
Caj Pengurusan Dana
Nilai Tunai Bersih
Manfaat Kematian
Kos
Pengagihan
2
Terus
Y%
X%
26
3,600.00
2,052.00
1,548.00
120,000
144.72
Rider(s)
974.63
72
Y%
2
X%
2
Y%
369
X%
357
120,369
120,357
1,260.00
27
3,600.00
2,052.00
1,548.00
120,000
1,200
144.72
975.12
72
763
715
121,963
121,915
1,260.00
28
3,600.00
864.00
2,736.00
120,000
2,400
144.72
983.22
72
22
23
2,407
2,256
124,807
124,656
900.00
29
3,600.00
864.00
2,736.00
120,000
3,600
144.72
991.65
72
46
45
4,153
3,794
127,753
127,394
900.00
30
3,600.00
540.00
3,060.00
120,000
4,800
144.72
1,001.46
72
74
71
6,344
5,652
131,144
130,452
540.00
31
3,600.00
540.00
3,060.00
120,000
6,000
144.72
1,018.77
72
105
98
8,665
7,499
134,665
133,499
540.00
32
3,600.00
0.00
3,600.00
120,000
7,200
144.72
1,068.10
72
143
130
11,652
9,844
138,852
137,044
0.00
33
3,600.00
0.00
3,600.00
120,000
8,400
144.72
1,081.73
72
186
164
14,827
12,184
143,227
140,584
0.00
34
3,600.00
0.00
3,600.00
120,000
9,600
144.72
1,098.36
72
232
199
18,200
14,514
147,800
144,114
0.00
10
35
3,600.00
0.00
3,600.00
120,000
10,800
144.72
1,117.77
72
280
234
21,782
16,833
152,582
147,633
0.00
11
36
3,600.00
0.00
3,600.00
120,000
12,000
144.72
1,143.09
72
332
268
25,581
19,135
157,581
151,135
0.00
12
37
3,600.00
0.00
3,600.00
120,000
13,200
144.72
1,284.36
72
386
301
29,490
21,303
162,690
154,503
0.00
13
38
3,600.00
0.00
3,600.00
120,000
14,400
144.72
1,310.85
72
442
333
33,637
23,451
168,037
157,851
0.00
14
39
3,600.00
0.00
3,600.00
120,000
15,600
144.72
1,337.36
72
502
365
38,038
25,581
173,638
161,181
0.00
15
40
3,600.00
0.00
3,600.00
120,000
16,800
144.72
1,368.16
72
565
396
42,706
27,687
179,506
164,487
0.00
16
41
3,600.00
0.00
3,600.00
120,000
18,000
156.60
1,406.94
72
633
427
47,637
29,749
185,637
167,749
0.00
17
42
3,600.00
0.00
3,600.00
120,000
19,200
167.40
1,619.60
72
702
456
52,671
31,594
191,871
170,794
0.00
18
43
3,600.00
0.00
3,600.00
120,000
20,400
180.36
1,665.44
72
774
483
57,986
33,387
198,386
173,787
0.00
19
44
3,600.00
0.00
3,600.00
120,000
21,600
195.48
1,731.08
72
851
509
63,577
35,105
205,177
176,705
0.00
20
45
3,600.00
0.00
3,600.00
120,000
22,800
213.84
1,788.05
72
931
534
69,469
36,753
212,269
179,553
0.00
21
46
3,600.00
0.00
3,600.00
120,000
24,000
235.44
1,847.34
72
1,028
558
73,738
38,326
217,738
182,326
0.00
22
47
3,600.00
0.00
3,600.00
120,000
25,200
262.44
2,125.00
72
1,088
579
77,868
39,599
223,068
184,799
0.00
23
48
3,600.00
0.00
3,600.00
120,000
26,400
294.84
2,191.52
72
1,147
597
82,062
40,777
228,462
187,177
0.00
24
49
3,600.00
0.00
3,600.00
120,000
27,600
332.64
2,278.04
72
1,208
613
86,298
41,835
233,898
189,435
0.00
25
50
3,600.00
0.00
3,600.00
120,000
28,800
373.68
2,349.71
72
1,269
628
90,589
42,783
239,389
191,583
0.00
26
51
3,600.00
0.00
3,600.00
120,000
30,000
419.04
2,427.15
72
1,331
641
94,928
43,612
244,928
193,612
0.00
27
52
3,600.00
0.00
3,600.00
120,000
31,200
469.80
2,852.04
72
1,390
650
98,954
43,966
250,154
195,166
0.00
28
53
3,600.00
0.00
3,600.00
120,000
32,400
522.72
2,934.06
72
1,448
654
103,005
44,187
255,405
196,587
0.00
29
54
3,600.00
0.00
3,600.00
120,000
33,600
579.96
3,042.42
72
1,506
656
107,050
44,243
260,650
197,843
0.00
30
55
3,600.00
0.00
3,600.00
120,000
34,800
643.68
3,114.02
72
1,564
656
111,118
44,163
265,918
198,963
0.00
# Rujuk jadual "Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%" untuk maklumat lanjut.
1. Ini menunjukkan caj bagi premium anda yang digunakan untuk membayar kos pengagihan terus dan perbelanjaan oleh Syarikat.
2. Kos langsung yang berkaitan dengan saluran agihan untuk tujuan pemasaran yang dilakukan untuk polisi ini, contohnya pembayaran kepada ejen anda. Kos ini dibayar daripada caj yang dikenakan ke atas polisi anda
bagi perkhidmatan yang diberi oleh ejen sepanjang tempoh polisi anda. Sila ambil perhatian bahawa bonus pengeluaran (5% daripada premium bagi tahun pertama) dan bonus berterusan (5% daripada premium tahun
kedua) akan dibayar dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat.
3. Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.
NOTA: PENANG BRANCH / 9999999 / (GELSIS-5.45)
Page 16 of 18
1.Unjuran manfaat yang ditunjukkan di atas adalah untuk ilustrasi sahaja dan TIDAK DIJAMIN.
2.Nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar dan bergantung kepada prestasi yang mendasari aset.
3.Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza.
4.Ilustrasi caj insurans hayat dan caj lain adalah berdasarkan tahap semasa. Ia mungkin berbeza dari semasa ke semasa.
5.Jika "N/A" ditunjukkan dalam ilustrasi di atas, ia menunjukkan tiada caj insurans dan perlindungan manfaat bagi rider.
6.Jika "-" ditunjukkan dalam ilustrasi di atas, ini menunjukkan bahawa polisi telah luput di bawah unjuran pulangan pelaburan bagi X% dan Y% masing-masing, seperti ditunjukkan dalam tajuk bagi lajur masing-masing. Ia
bermaksud semua bentuk manfaat (nilai tunai, manfaat kematian, dll) adalah tidak berkenaan. Apabila lajur tidak menyatakan sama ada X% atau Y% akan digunakan, unjuran bagi polisi luput adalah berdasarkan unjuran
pulangan pelaburan Y%. Sila ambil perhatian bahawa keputusan ini berdasarkan andaian pulangan pelaburan, premium yang dibayar dan caj. Manfaat mungkin berbeza dan tertakluk kepada Jaminan Tidak Luput, polisi
mungkin luput lebih awal atau lambat bergantung kepada pulangan pelaburan sebenar, premium yang dibayar dan caj.
7. Caj insurans anda akan meningkat mengikut umur hari jadi berikut yang dicapai dan mungkin menyebabkan caj insurans anda lebih tinggi berbanding dengan premium yang diperuntukkan pada sebarang masa semasa
polisi anda berkuat kuasa. Ilustrasi di atas menunjukkan caj insurans anda lebih tinggi daripada premium yang diperuntukkan pada umur 54 pada akhir tahun polisi 29 iaitu Nilai Tunai anda akan berkurangan. Namun,
perlindungan insurans mungkin berbeza dari semasa ke semasa, caj insurans anda mungkin lebih tinggi atau lebih rendah daripada premium yang diperuntukkan, dan mungkin lebih awal atau lebih lewat daripada ilustrasi
di atas bagi Umur Pada Akhir Tahun Polisi.
8.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
9.Semua angka dalam RM. (R&KT)
Page 17 of 18
** NOTA PENTING

Tarikh : 12/12/2014
Page 18 of 18

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

SmartProtect Essential Insurance 2

PRESENTED BY : PENANG BRANCH (9999999)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

: 0281 SmartProtect Essential Insurance 2

Total & Permanent Disability (TPD)

RM 4,000 per year

Pregnancy & Neonatal Benefit / Infant

Covered Event Benefit

Medical Benefit (1) - SmartMedic Xtra

Room & Board (R&B) Limit

Medical Benefit (2) - Smart Extender

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Unit deduction rider(s)

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Investment Strategy Selected

Unit Fund(s) Selected

Lion Balanced Fund

Unit Fund(s) Selected

Weighted Projected Gross Investment Return X% and Y%

Weighted Projected Gross Investment Return #*

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Net Projected Investment Return

Net Projected Investment Return

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Net Cash Value

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Prepared by : PENANG BRANCH

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Great Eastern Life Assurance (Malaysia) Berhad

Ilustrasi Manfaat Insurans Hayat Bagi

SmartProtect Essential Insurance 2

DISEDIAKAN OLEH : PENANG BRANCH (9999999)

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

: 0281 SmartProtect Essential Insurance 2

Manfaat yang Disediakan:

Manfaat Hilang Upaya Total dan Kekal

Manfaat yang Disediakan:

I) Manfaat Hospital dan Pembedahan

Kematian akibat Kemalangan

Pembayaran balik Perubatan

Pembayaran balik sehingga:

Manfaat Perubatan (2) - Smart Extender

II) Hilang Upaya Separa yang

Pembayaran balik Perubatan:

II) Manfaat Rawatan Pesakit Luar

Manfaat Pendapatan Kemasukan

RM 120,000 termasuk Manfaat Perubatan (1) - SmartMedic Xtra

Pendapatan akibat Kemalangan:

Seperti caj yang

Seperti caj yang

Pembayaran balik sehingga:

I) Had Tahunan Keseluruhan

Rider dengan penolakan

Pulangan sebenar mungkin kurang daripada kadar unjuran ataupun negatif.

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Strategi Pelaburan yang Dipilih

Dana Pelaburan yang Dipilih