Sales Illustration PDF

Specially Prepared for
SUBRAMANIAM
Proposed Plan
AmMetLife Link
Presented By: EA AI KIM

Date Prepared: 21 August 2016
Life Assured
: SUBRAMANIAM
Payor
:-
Gender
: Male
Gender
:-
Primary Plan
: AmMetLife Link
Age Next Birthday
:-
Plan Type
: Regular Premium Investment-Linked Insurance Plan
Relationship
: Self
Age Next Birthday
: 56
Mode of Payment
: Yearly
Job Class
:2
Smoker
: Yes
Fund Type
: 50% AmMetLife Tactical Bond Fund

50% AmMetLife Dividend Fund
Plan
ULRP6
AmMetLife Link
Insured Life
Coverage Term
(Years)
Life Assured
29
Sum Assured
(RM)
Premium Payable
(RM)
20,000
2,128.00
Protection Portion Premium RM1,200

Investment Portion Premium RM928
AMF2+
AmMedic Flexi Plus Rider
Life Assured
24
CAIB+
Comprehensive Accident Indemnity Rider
Life Assured
20,000
HBR+
Hospitalisation Benefit Rider
Life Assured
60
Occupation Loading
Plan
-
Term
(Years)
Health Loading
Per 1000 SA
Term
(Years)
Term
(Years)
Per 1000 SA
Term
(Years)
Note: These loadings will be subjected to Underwriter's final approval.

Mode of Payment
Premium
Prepared by
: EA AI KIM
Agent Code
: 01866232
Date Prepared : 21 August 2016
Monthly (RM)
177.33
Quarterly (RM)
532.00
Half Yearly (RM)

1,064.00
Yearly (RM)
2,128.00
MOS version 1.32.

Page 1 of 22
Plan Description
ULRP6
AmMetLife Link is a regular premium investment-linked plan up to age 85 that provides:
Death benefit - the Basic Sum Assured plus the fund value as at the date a claim is submitted to us.
Total and Permanent Disability (TPD) benefit - the Basic Sum Assured plus the fund value as at the date a claim is submitted to us. The
TPD Sum Assured is subject to the combined limit of RM 1 million under all the insurance policies covering TPD which the Life Assured
has with AmMetLife Insurance Berhad (AmMetLife). This TPD coverage will automatically terminate on the anniversary of the policy
immediately preceding the sixty-fifth (65th) birthday of the Life Assured.
On Maturity - The fund value as at maturity date will be payable when the policy matures and has not been earlier terminated in
accordance with the terms and conditions stated in policy contract.
Surrender or partial withdrawal of funds can be made to the plan at any time. Upon full surrender, the fund value is paid and the plan
terminates.
AMF2+
This rider provides hospitalisation and surgical expenses incurred due to illness covered under this rider. Please refer to Product Disclosure
Sheet for the Schedule of Benefits that shows the benefits payable and benefit limits for chosen plan.
CAIB+
This rider provides comprehensive coverage for death or injuries resulting within 90 days from an accident.
HBR+
This rider provides a daily benefit if the Life Assured is hospitalised in a government hospital or any licensed hospital approved by the
Company due to illness or injury up to a maximum of 52 weeks for any one illness or injury.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 2 of 22
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.
IMPORTANT
You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact sheet contains all the
important information that you will need to know regarding the investment-linked fund(s).
Your annual premium will be divided into an insurance portion and an investment portion. Since only 50% and 55% of the insurance portion premium for the first
two policy years respectively is allocated towards the purchase of units, while 95% of the investment portion premium and top-ups is allocated towards the
purchase of units, you can maximise your investment value by minimising your annual insurance portion premium and maximising your annual investment portion
premium or top-ups.
Minimum Annual Premium Required : RM1,200

Minimum Annual Insurance Portion of Premium Required : RM1,200
Minimum Top-Ups Allowed : RM50
Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single premium investment-linked
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.
Your investment-linked policy will lapse/terminate if there is not enough units in your fund to pay the charges. Your units may not be enough over the years due
to:
High insurance charges if you buy many riders, and especially if the charges are increasing over time as you get older.
Poor investment return.
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 YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT
RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. 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 about the insurance charges and their effects on your future insurance coverage.
SUMMARY ILLUSTRATION:
This summary illustration is intended to show the possible movements of cash flows for the investment and the impact of fees and charges on fund
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 investment fund(s).
They are not guaranteed and not based on past performance.
Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in.
The actual return may even be lower than the projected rates or negative.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 3 of 22
BASIC ILLUSTRATIVE VALUES

End of
Basic Sum
Assured
Premium
Unallocated
Premium 1
Allocated
Premium
20,000
20,000
2,128.00
646.40
2,128.00
586.40
20,000
2,128.00
20,000
Policy
Year
Non-Guaranteed Return
Insurance Charges*
Basic
(based on
X% p.a.)
Basic
(based on
Y% p.a.)
Riders
1,481.60
177
177
1,541.60
197
197
346.40
1,781.60
217
217
2,128.00
346.40
1,781.60
238
20,000
2,128.00
166.40
1,961.60
20,000
2,128.00
166.40
20,000
2,128.00
20,000
Other
Charges*
Projected Investment Return: (X% p.a.)

Fund
Management
Fee
Fund Value
64
17
1,261
21,261
64
34
2,583
22,583
64
53
4,148
238
64
73
262
262
64
1,961.60
289
289
46.40
2,081.60
317
317
2,128.00
46.40
2,081.60
348
20,000
2,128.00
46.40
2,081.60
10
20,000
2,128.00
46.40
11
20,000
2,128.00
12
20,000
13
Projected Investment Return: (Y% p.a.)
Fund
Death / TPD
Management
Benefit
Fee
Direct
Distribution
Cost 2
Attained
Age
Fund Value
Death / TPD
Benefit
18
1,324
21,324
514.80
57
36
2,771
22,771
514.80
58
24,148
58
4,542
24,542
334.80
59
5,715
25,715
82
6,398
26,398
274.80
60
95
7,464
27,464
109
8,534
28,534
274.80
61
64
117
9,213
29,213
137
10,773
30,773
214.80
62
64
141
11,082
31,082
168
13,248
33,248
34.80
63
348
64
164
12,947
32,947
200
15,840
35,840
34.80
64
384
384
64
188
14,804
34,804
235
18,555
38,555
34.80
65
2,081.60
424
424
64
211
16,649
36,649
270
21,394
41,394
34.80
66
46.40
2,081.60
472
472
64
234
18,474
38,474
308
24,357
44,357
34.80
67
2,128.00
46.40
2,081.60
516
516
64
257
20,281
40,281
347
27,455
47,455
34.80
68
20,000
2,128.00
46.40
2,081.60
569
569
64
279
22,063
42,063
387
30,688
50,688
34.80
69
14
20,000
2,128.00
46.40
2,081.60
625
625
64
302
23,815
43,815
430
34,061
54,061
34.80
70
15
20,000
2,128.00
46.40
2,081.60
686
686
64
323
25,532
45,532
474
37,576
57,576
34.80
71
16
20,000
2,128.00
46.40
2,081.60
755
755
64
345
27,205
47,205
520
41,235
61,235
34.80
72
17
20,000
2,128.00
46.40
2,081.60
831
831
64
366
28,827
48,827
568
45,040
65,040
34.80
73
18
20,000
2,128.00
46.40
2,081.60
912
912
64
386
30,391
50,391
618
48,993
68,993
34.80
74
19
20,000
2,128.00
46.40
2,081.60
1,001
1,001
64
405
31,890
51,890
670
53,096
73,096
34.80
75
20
20,000
2,128.00
46.40
2,081.60
1,096
1,096
64
423
33,315
53,315
724
57,351
77,351
34.80
76
21
20,000
2,128.00
46.40
2,081.60
1,202
1,202
64
441
34,656
54,656
762
60,405
80,405
34.80
77
22
20,000
2,128.00
46.40
2,081.60
1,317
1,317
64
457
35,900
55,900
801
63,458
83,458
34.80
78
23
20,000
2,128.00
46.40
2,081.60
1,441
1,441
64
472
37,038
57,038
840
66,501
86,501
34.80
79
24
20,000
2,128.00
46.40
2,081.60
1,574
1,574
64
485
38,059
58,059
879
69,524
89,524
34.80
80
25
20,000
2,128.00
46.40
2,081.60
1,717
1,717
64
497
38,951
58,951
917
72,516
92,516
34.80
81
26
20,000
2,128.00
46.40
2,081.60
1,872
1,872
64
507
39,701
59,701
955
75,465
95,465
34.80
82
27
20,000
2,128.00
46.40
2,081.60
2,038
2,038
64
516
40,294
60,294
992
78,356
98,356
34.80
83
28
20,000
2,128.00
46.40
2,081.60
2,217
2,217
64
522
40,716
60,716
1,028
81,175
101,175
34.80
84
29
20,000
2,128.00
46.40
2,081.60
2,407
2,407
64
526
40,954
60,954
1,063
83,907
103,907
34.80
85
# The premium payable is not sufficient to sustain the Fund Value to keep the policy inforce. Investment via top up is required to maintain the policy and to continue with the illustrated benefits.
The insurance charges are higher than the premium paid when the Life Assured reaches age 84 and above, therefore Fund Value will be depleted to pay towards the insurance charges and any applicable fees/charges.
* The fees and charges that you have to pay shall be the fees and charges plus Goods and Services Tax (GST) as may be applicable under the provision of the Goods and Services Tax law. The GST amount is based on the prevailing
GST rate of 6% and the applicability of GST on AmMetLifes fees/charges to the best knowledge of AmMetLife. Should there be any changes in the GST rate or applicability of GST on any fees/charges due to the changes in law or any
other factors, AmMetLife has the right to change the amount payable. With effect from 1 April 2015, GST (at the prevailing rate of 6%) will apply to fees and charges set out in this document, where applicable.
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 sale/marketing of this policy, i.e. payments to agent. This cost is paid from the charges that are imposed on your policy for services that the agent will provide to you for the
duration of your policy.
Notes:
1. All figures presented are in Ringgit Malaysia (RM).
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 4 of 22
BASIC AND RIDERS ILLUSTRATIVE VALUES

End of
Basic Sum
Assured
Premium
Unallocated
Premium 1
Allocated
Premium
20,000
20,000
2,128.00
646.40
2,128.00
586.40
20,000
2,128.00
20,000
Policy
Year
Non-Guaranteed Return
Insurance Charges*
Basic
(based on
X% p.a.)
Basic
(based on
Y% p.a.)
Riders
1,481.60
177
177
1,091
1,541.60
197
197
1,091
346.40
1,781.60
217
217
2,128.00
346.40
1,781.60
238
20,000
2,128.00
166.40
1,961.60
20,000
2,128.00
166.40
20,000
2,128.00
20,000
Other
Charges*
Projected Investment Return: (X% p.a.)

Fund
Management
Fee
Fund Value
64
10
162
20,162
64
12
367
20,367
1,091
64
18
798
238
1,091
64
23
262
262
1,091
64
1,961.60
289
289
1,403
46.40
2,081.60
317
317
2,128.00
46.40
2,081.60
348
20,000
2,128.00
46.40
2,081.60
10
20,000
2,128.00
46.40
11
20,000
2,128.00
12
20,000
13
Projected Investment Return: (Y% p.a.)
Fund
Death / TPD
Management
Benefit
Fee
Direct
Distribution
Cost 2
Attained
Age
Fund Value
Death / TPD
Benefit
10
197
20,197
514.80
57
14
449
20,449
514.80
58
20,798
20
951
20,951
334.80
59
1,215
21,215
27
1,462
21,462
274.80
60
31
1,797
21,797
36
2,169
22,169
274.80
61
64
36
2,046
22,046
43
2,571
22,571
214.80
62
1,403
64
40
2,392
22,392
49
3,096
23,096
34.80
63
348
1,403
64
44
2,712
22,712
56
3,619
23,619
34.80
64
384
384
1,403
64
48
3,001
23,001
63
4,139
24,139
34.80
65
2,081.60
424
424
1,240
64
53
3,418
23,418
70
4,816
24,816
34.80
66
46.40
2,081.60
472
472
1,520
64
56
3,510
23,510
77
5,196
25,196
34.80
67
2,128.00
46.40
2,081.60
516
516
1,520
64
57
3,559
23,559
82
5,553
25,553
34.80
68
20,000
2,128.00
46.40
2,081.60
569
569
1,520
64
57
3,556
23,556
86
5,879
25,879
34.80
69
14
20,000
2,128.00
46.40
2,081.60
625
625
1,520
64
56
3,496
23,496
90
6,166
26,166
34.80
70
15
20,000
2,128.00
46.40
2,081.60
686
686
1,520
64
55
3,374
23,374
94
6,407
26,407
34.80
71
16
20,000
2,128.00
46.40
2,081.60
755
755
1,814
64
51
2,884
22,884
94
6,289
26,289
34.80
72
17
20,000
2,128.00
46.40
2,081.60
831
831
1,814
64
45
2,310
22,310
92
6,085
26,085
34.80
73
18
20,000
2,128.00
46.40
2,081.60
912
912
1,814
64
37
1,646
21,646
89
5,784
25,784
34.80
74
19
20,000
2,128.00
46.40
2,081.60
1,001
1,001
1,814
64
28
882
20,882
84
5,374
25,374
34.80
75
20
20,000
2,128.00
46.40
2,081.60
1,096
1,096
1,814
64
17
11
20,011
78
4,840
24,840
34.80
76
21
20,000
2,128.00
46.40
2,081.60
1,202
1,202
2,294
64
20,000
65
3,553
23,553
34.80
77
22
20,000
2,128.00
46.40
2,081.60
1,317
1,317
2,294
64
20,000
48
2,099
22,099
34.80
78
23
20,000
2,128.00
46.40
2,081.60
1,441
1,441
2,294
64
20,000
28
464
20,464
34.80
79
24
20,000
2,128.00
46.40
2,081.60
1,574
1,574
2,294
64
20,000
20,000
34.80
80
25
20,000
2,128.00
46.40
2,081.60
1,717
1,717
64
14
318
20,318
15
343
20,343
34.80
81
26
20,000
2,128.00
46.40
2,081.60
1,872
1,872
64
17
484
20,484
18
542
20,542
34.80
82
27
20,000
2,128.00
46.40
2,081.60
2,038
2,038
64
18
485
20,485
20
579
20,579
34.80
83
28
20,000
2,128.00
46.40
2,081.60
2,217
2,217
64
17
306
20,306
19
434
20,434
34.80
84
29
20,000
2,128.00
46.40
2,081.60
2,407
2,407
64
13
20,000
16
90
20,090
34.80
85
# The premium payable is not sufficient to sustain the Fund Value to keep the policy inforce. Investment via top up is required to maintain the policy and to continue with the illustrated benefits.
The insurance charges are higher than the premium paid when the Life Assured reaches age 70 and above, therefore Fund Value will be depleted to pay towards the insurance charges and any applicable fees/charges.
* The fees and charges that you have to pay shall be the fees and charges plus Goods and Services Tax (GST) as may be applicable under the provision of the Goods and Services Tax law. The GST amount is based on the prevailing
GST rate of 6% and the applicability of GST on AmMetLifes fees/charges to the best knowledge of AmMetLife. Should there be any changes in the GST rate or applicability of GST on any fees/charges due to the changes in law or any
other factors, AmMetLife has the right to change the amount payable. With effect from 1 April 2015, GST (at the prevailing rate of 6%) will apply to fees and charges set out in this document, where applicable.
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 sale/marketing of this policy, i.e. payments to agent. This cost is paid from the charges that are imposed on your policy for services that the agent will provide to you for the
duration of your policy.
Notes:
1. All figures presented are in Ringgit Malaysia (RM).
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 5 of 22
Note
The information set out below forms part of your sales illustration. AmMetLife believes it is important that you fully appreciate all the benefits under your policy,
and that you also understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits. You should
satisfy yourself that the plan best serves your needs and that you can afford the premium. Please contact our Customer Care Centre at 1300 88 8800 or your
agent for any clarification. Buying a regular premium life policy is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of
the high initial costs. You may increase or decrease the Sum Assured at any time without changing the regular premium amount. This is subject to minimum Sum
Assured requirement. An increase in Sum Assured will be subjected to underwritting. The information set out below explains the benefits of this investment-linked
policy and the individual items in the sales illustration table.
Basic Sum Assured
This is the minimum amount payable upon death or TPD of the Life Assured as set out in the policy contract.
Premium
This is the amount that you (the Policy Owner) pay annually for this policy. Take note that not all of the amount paid will be invested into the investment fund(s)
you selected. See explanation on unallocated and allocated premium.
Unallocated Premium
This is an upfront charge on the premium paid and is used to meet AmMetLife's expenses and direct distribution cost, including the commissions payable to your
insurance agent. Your agent may also be entitled to production and persistency bonus during the first three years of the policy provided that your agent meets the
qualifying criteria set by AmMetLife.
Allocated Premium
This is the amount that will be used to purchase units in the investment fund(s) which you selected. The allocation rates for this investment-linked policy are as
follows (as a % of premiums):1
>=7
Total Premiums Paid (RM)
Policy Year
2,128.00
2,128.00
2,128.00
2,128.00
2,128.00
2,128.00
2,128.00
Insurance Portion (RM)
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
1,200.00
Investment Portion (RM)
928.00
928.00
928.00
928.00
928.00
928.00
928.00
Insurance Portion (%)
50
55
75
75
90
90
100
Investment Portion (%)
95
95
95
95
95
95
95
Insurance Portion (RM)
600.00
660.00
900.00
900.00
1,080.00
1,080.00
1,200.00
Allocation Rate
Allocated Premium
Investment Portion (RM)
Total Allocated Premiums (RM)
881.60
881.60
881.60
881.60
881.60
881.60
881.60
1,481.60
1,541.60
1,781.60
1,781.60
1,961.60
1,961.60
2,081.60
For top-ups, the premium allocation rate is 95% throughout the policy term.
Fund Value
This is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax and all applicable charges. If the
policy is terminated early, you may get less than the amount of premiums paid.
Death or TPD Benefit
This is the Basic Sum Assured plus fund value payable upon death or TPD of the Life Assured. Should the Life Assured dies due to accident, the benefit payable
will be the total of Basic Sum Assured, fund value and Comprehensive Accident Indemnity (CAIB+) sum assured (if any). The full terms and conditions are set
out in the policy contract.
If Life Assured dies by suicide within one year from the effective date of the policy or date of reinstatement, whichever is later, the Death Benefit payable by us
shall be limited to the fund value as at the date a claim for the Death Benefit is submitted to us in our prescribed claim form complete with such documents as we
may required.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 6 of 22
Fund Description
Funds currently available are: AmMetLife Bond Fund
AmMetLife Asia Pacific REITS Fund
AmMetLife Tactical Bond Fund
AmMetLife Oasis Islamic Equity Fund*
AmMetLife Dana Teguh*
AmMetLife Global Emerging Market Fund
AmMetLife Balanced Fund
AmMetLife Global Agribusiness Fund
AmMetLife Dividend Fund
AmMetLife Precious Metals Fund*
AmMetLife Equity Fund

* The investment-linked insurance plan itself is not a Shariah-compliant product. However, investments of these funds are in Shariah-approved securities.
Projected Investment Rate of Return
The projected investment returns of X% and Y% have been used respectively to represent the range of possible returns on the funds. When investments are
made in more than one fund, an average return of the funds is used.
The illustrated gross rates of each fund are :
Fund Types
AmMetLife
Bond Fund
AmMetLife
Tactical Bond
Fund
AmMetLife
Dana Teguh*
AmMetLife
Balanced Fund
AmMetLife
Dividend Fund
AmMetLife
Equity Fund
AmMetLife Asia
Pacific REITS
Fund
Projected Investment Return of

X% (Year 1 to 30)
4.00%
4.00%
3.00%
3.00%
2.00%
2.00%
2.00%

Y% (Year 1 to 20)
7.00%
7.00%
8.00%
8.00%
9.00%
9.00%
9.00%

Y% (Year 21 to 30)
5.00%
5.00%
5.50%
5.50%
6.00%
6.00%
6.00%
Fund Types
AmMetLife
Oasis Islamic
Equity Fund*
AmMetLife
Global
Emerging
Market Fund
AmMetLife
Global
Agribusiness
Fund
AmMetLife
Precious Metals
Fund*

X% (Year 1 to 30)
2.00%
2.00%
2.00%
2.00%

Y% (Year 1 to 20)
9.00%
9.00%
9.00%
9.00%

Y% (Year 21 to 30)
6.00%
6.00%
6.00%
6.00%
The value of the fund may fall below the amount of premium paid and depends on the performance of the underlying investments. The past actual returns of the
funds and the appropriate benchmarks are shown in the fund fact sheet.
*The investment-linked insurance plan itself is not a Shariah-compliant product. However, investments of these funds are in Shariah-approved securities.
Fees and Charges
The following fees and charges are taken out of your investment fund(s):
(i)
Insurance Charges - A monthly insurance charge is deducted for the cost of providing insurance coverage. The insurance charge varies by the age, gender,
occupation, medical rating and smoking status. The insurance charge will increase as you grow older.
(ii)
Policy Charge - RM5 is deducted monthly to cover the administration cost of maintaining your policy.
(iii) Fund Management Fee - This annual fund management fee (% of investment-linked fund) is deducted to cover the cost of managing your investment-linked
fund(s). The annual fund management fee shall not be more than 1.0% of the NAV for Bond Fund and 1.5% of the NAV for all other funds. The actual
charge will reflect the actual weightage of your fund.
(iv) Switching Fee - First two switches in a policy year are free, thereafter a charge of RM50 per switch is charged.
(v) Partial Withdrawal Charge - RM50 per withdrawal.
(vi) Surrender Charge - A surrender charge of RM100 or 10% of the Surrender Value, whichever is lower, for full surrender of units.
All fees and charges are not guaranteed. AmMetLife reserves the right to vary the fees and charges by giving you three (3) months written notice prior to your
next policy anniversary.
Goods and Services Tax (GST)
-
The fees and charges that you have to pay shall be the fees and charges plus Goods and Services Tax (GST) as may be applicable under the provision of
the Goods and Services Tax law.
The GST amount is based on the prevailing GST rate of 6% and the applicability of GST on AmMetLifes fees/charges to the best knowledge of AmMetLife.
Should there be any changes in the GST rate or applicability of GST on any fees/charges due to the changes in law or any other factors, AmMetLife has the
right to change the amount payable.
With effect from 1 April 2015, GST (at the prevailing rate of 6%) will apply to fees and charges set out in this document, where applicable.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 7 of 22
Investment-Linked Funds
Name of Funds
Investment
Objective
AmMetLife Bond Fund
AmMetLife Tactical Bond Fund
AmMetLife Dana Teguh *
AmMetLife Balanced Fund
AmMetLife Dividend Fund
AmMetLife Equity Fund
The Fund aims to provide the

Policyholder with an opportunity to
gain higher than the average
income earned from fixed
deposits, over the long-term
investment horizon, mainly
through investments in a
diversified portfolio of fixed
income securities.
The Fund seeks to achieve

moderate capital appreciation
over the medium to long-term
horizon through investing mainly
in a Target Fund : AmTactical
Bond Fund, a Collective
Investment Scheme (CIS)
managed by AmFunds
Management Berhad, where the
Target Fund aims to provide
income and to a lesser extent,
capital appreciation, by investing
primarily in bonds.

deposits with a lower level of risk
as compared to equity funds, over
the medium-term investment
horizon, via exposure in Shariahapproved Malaysian equities
and/or equity-related securities
and Islamic debt and/or debt
related securities.

deposits with a lower level of risk
as compared to equity funds, over
the medium-term investment
horizon via exposure in Malaysian
equities and/or equity-related
securities and fixed income and/or
fixed income-related securities.

Policyholder with total returns
primarily through investments in
equities and/or equity-related
securities of companies that offer
sustainable dividend payments
and attractive yields, emphasising
on medium to long-term capital
appreciation opportunities.

Policyholder with capital
appreciation, over the medium to
long-term investment horizon,
mainly through investments in
Malaysian securities with superior
growth potential.
Returns will be obtained via

growth in unit price rather than
income distribution.

Name of Funds
Investment
Objective

AmMetLife Asia Pacific REITS

Fund
AmMetLife Oasis Islamic Equity

Fund *
The Fund seeks to achieve

moderate capital appreciation
over the medium to long-term
horizon, investing mainly in a
Target Fund : AmAsia Pacific
REITS Fund, a Collective
managed by AmFunds
Management Berhad, where the
Target Fund aims to provide
regular income and to a lesser
extent, capital appreciation over
the medium to long-term by
investing in real estate investment
trusts (REITs).
The Fund seeks to achieve capital The Fund seeks to achieve capital
appreciation over the medium to
appreciation over the long-term
long-term via investments in :
in :
1) AmOasis Global Islamic Equity
Fund, a Collective Investment 1) AmGlobal Emerging Market
Scheme (CIS) managed by
Opportunities Fund, a
AmFunds Management
Collective Investment Scheme
Berhad.
(CIS) managed by AmFunds
Management Berhad.
2) Shariah-approved equities
listed on Bursa Malaysia.
2) Equities listed on Bursa
Malaysia.

AmMetLife Global Emerging

Market Fund


AmMetLife Global Agribusiness

Fund
AmMetLife Precious Metals Fund

*
The Fund seeks to achieve capital

appreciation over the long-term
in a Target Fund: AmGlobal
Agribusiness Fund, a Collective
managed by AmFunds
Management Berhad that invests
in global agribusiness equities
from agricultural commodities to
consumer products. Agribusiness
is a generic term that refers to the
various businesses involved in
food productions.
The Fund seeks to achieve capital

appreciation over the medium to
long-term horizon through
investing mainly in a Target Fund :
AmPrecious Metals Fund, a
Collective Investment Scheme
(CIS) managed by AmFunds
Management Berhad, that invests
in a portfolio of global Shariahobservant equities and equityrelated securities of companies
engaged in activities related to
gold, silver, platinum or other
precious metals.



Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 8 of 22
Investment-Linked Funds and Benchmarks Historical Returns

Notice: Past Performance of the fund is not an indication of its future performance.
Historical Actual Annual Returns (%) of the Funds Compared with the selected benchmarks #
2009
2010
2011
2012
2013
2014
Historical
Benchmark
Historical
Benchmark
Historical
Benchmark
Historical
Benchmark
Historical
Benchmark
Historical
Benchmark
4.92
2.57
4.45
2.80
4.46
3.09
4.54
3.20
2.80
3.20
2.59
3.27
3.71
3.81
AmMetLife Dana Teguh* (AMDT)
24.43
21.63
16.03
10.38
1.54
3.03
5.63
7.55
20.51
8.26
-2.52
-0.45
AmMetLife Balanced Fund (AMBAF)
24.56
22.46
14.80
10.89
-0.73
2.13
4.61
6.79
15.18
6.88
-8.27
-1.25
6.99
10.34
13.32
10.54
0.97
-5.66
28.31
45.17
21.24
19.34
-0.47
0.78
6.07
10.34
20.29
10.54
-8.38
-5.66
11.13
7.76
AmMetLife Oasis Islamic Equity Fund * (AMAIEF)
38.59
33.80
6.46
12.81
-4.71
-7.12
3.02
11.07
18.16
19.24
8.16
4.49
AmMetLife Global Emerging Market Fund (AMGEMF)
9.32
74.50
1.56
16.36
-14.05
-20.41
3.98
15.15
5.44
-4.98
2.68
-4.63
AmMetLife Global Agribusiness Fund (AMGAF)
14.39
26.98
0.73
9.55
-10.41
-7.61
10.54
13.18
6.12
24.10
4.45
2.93
AmMetLife Precious Metals Fund * (AMPMF)
3.91
29.63
5.38
29.03
-17.64
-15.88
-11.38
-15.43
-33.25
-53.17
-11.24
-15.20
AmMetLife Bond Fund (AMBF)

AmMetLife Tactical Bond Fund (AMTBF)
AmMetLife Dividend Fund (AMDF)

AmMetLife Equity Fund (AMEF)
AmMetLife Asia Pacific REITS Fund (AMAPRF)
# Date is based on calendar year

The benchmarks used for each funds are:
AMBF
Maybank 12-Month Fixed Deposit Rates
AMTBF
RAM Quantshop All MGS Index
AMDT
50% FTSE Bursa Malaysia EMAS Shariah Index + 50% Maybank 12-Month GIA-i Tier 1 Rates
AMBAF
50% FTSE Bursa Malaysia KLCI + 50% Maybank 12-Month Fixed Deposit Rates
AMDF & AMEF
FTSE Bursa Malaysia KLCI
AMAPRF
AMAIEF
AMGEMF
AMGAF
AMPMF
Bloomberg Asia REIT Index

Dow Jones Islamic Market World Index
MSCI EM (Emerging Markets) Index
MSCI World Index
FTSE Gold Mines Index
Basis of Past Performance Calculation

Returns of n periods as at time t (%) = [(Fund Price (NAV) per unit at time t/ Fund Price (NAV) per unit at time t-n) - 1 ] X 100%
The actual investment returns shown above are on a net basis (net of tax and charges) and do not take into account the bid/offer spread if any, nor any charges that may be levied.
Basis and Frequency of Unit Valuation
1.
2.
3.
4.
5.
6.
Unit pricing is done daily.

The Unit Price of the Fund on any Valuation Date shall be equal to the Fund Value divided by the number of Units in Circulation on Valuation Date.
The Fund Net Asset Value (NAV) is the value of all the assets of the Fund after the deduction of expenses for managing, acquiring, maintaining and valuing the assets of that Fund, tax or other statutory levy incurred by the
Company on investment income or capital gains on the assets of the Fund and any accrued or anticipated income.
The Valuation Date shall be the date as determined by AmMetLife from time to time, but not less frequent than once a day, for the purpose of determining Unit Price.
The final valuation point of the Fund is at the end of each Business Day. Final Unit Price is valued at 4 decimal points.
To recoup the cost of acquiring and disposing of assets, a transaction cost adjustment may be made to the Fund Value to recover any amount which the Fund had already paid or reasonably expects to pay for the creation or
cancellation of units.
Exceptional Circumstances
We reserve the right to suspend or freeze unit pricing, allocation or redemption of units, or switching for a period not exceeding 6 months, in exceptional circumstances that include, but are not limited to, intervening events resulting in the
temporary closure of any exchange in which the fund is invested.
Warning statement: this is strictly the performance of the investment fund, and not the returns earned on the actual premium paid of the Investment-Linked product
IMPORTANT NOTICE:
Funds do not pay any dividends. All investment income and capital gains are reinvested and reflected in the unit price.
The price at which units are sold/purchased will be determined at the next price following the receipt of premium or claim. This is known as forward pricing.
You must understand the risks associated with investing in investment-linked funds, understand your tolerance for risks, and make an informed decision before investing in any investment-linked fund.
Please refer to AmMetLife Fund Fact Sheets for full list of risk disclosure.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 9 of 22
APPENDIX - BREAKDOWN OF RIDER INSURANCE CHARGES

IMPORTANT:
The illustration below shows the breakdown of insurance charges for each of your rider(s) and how your rider(s) insurance charges may increase over the policy years.
The rider insurance charges shown below are for illustration purpose only. The actual insurance charges may vary depending on the underwriting requirements.
Please refer to the Basic and Rider Illustrative Values table to understand how inclusion of riders will impact your Fund Value.
BREAKDOWN OF RIDER INSURANCE CHARGES

Rider(s) Insurance Charges (RM)
CAIB+*
HBR+*
AMF2+*
Life Assured
Attained Age at End
of Year
89
73
929
57
89
73
929
58
89
73
929
59
89
73
929
60
89
73
929
61
89
73
1,240
62
89
73
1,240
63
89
73
1,240
64
89
73
1,240
65
10
1,240
66
11
1,520
67
12
1,520
68
13
1,520
69
14
1,520
70
15
1,520
71
16
1,814
72
17
1,814
73
18
1,814
74
19
1,814
75
20
1,814
76
21
2,294
77
22
2,294
78
23
2,294
79
24
2,294
80
25
81
26
82
27
83
28
84
29
85
End of Policy Year
* Note
The rider insurance charges that you have to pay shall be the rider insurance charges plus Goods and Services Tax (GST) as may be applicable under the provision of the Goods and Services Tax law.
The GST amount is based on the prevailing GST rate of 6% and the applicability of GST on AmMetLifes fees/charges to the best knowledge of AmMetLife. Should there be any changes in the GST rate or applicability of GST on
any fees/charges due to the changes in law or any other factors, AmMetLife has the right to change the amount payable.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 10 of 22
PRODUCT DISCLOSURE SHEET

Read this Product Disclosure Sheet before you decide to take up the
AmMetLife Link. Upon receiving the policy contract, be sure to also read
the general terms and conditions as stated in it.
AmMetLife Insurance Berhad

AmMetLife Link
21/08/2016
1. What is this product about?

This is a regular premium investment-linked policy (ILP) which offers a combination of insurance protection and investment. Should the Life Assured dies or
suffers from total and permanent disability (TPD) during the term of the policy, the Basic Sum Assured plus the fund value as at the date a claim is submitted
to AmMetLife Insurance Berhad (AmMetLife) will be payable, thereby terminates the policy. Upon maturity, the fund value will be payable has the policy not
been terminated earlier. The fund value of this ILP depends on the price of the underlying units, which in turn depends on the investment performance of your
chosen fund(s).
Rider(s) attached to your policy is (are):
AMF2+
CAIB+
HBR+

The charges for the optional riders above will be deducted from the value of your invested units on a monthly basis. This investment-linked plan is not a
Shariah-compliant product.
2. What are the covers / benefits provided?
This policy covers:
Death - RM 20,000 (the Basic Sum Assured) plus the fund value as at the date a claim is submitted to us.
Total and Permanent Disability (TPD) - RM 20,000 plus the fund value as at the date a claim is submitted to us. The TPD Sum Assured is subject to the
combined limit of RM 1 million under all the insurance policies covering TPD which the Life Assured has with AmMetLife. This TPD coverage will
automatically terminate on the anniversary of the policy immediately preceding the sixty-fifth (65th) birthday of the Life Assured.
In case of death or total and permanent disability at ages 1, 2, or 3 years on next birthday, the sum assured payable are as follows:
Age Next Birthday
Sum Assured Payable (RM)
25% of RM20,000
50% of RM20,000
75% of RM20,000
Maturity - The fund value as at Maturity Date will be payable when the policy matures and has not been earlier terminated in accordance with the terms
and conditions stated in policy contract.
Reminder: Please read the Sales Illustration which includes product benefits and objectives of the investment-linked fund. It is important to select a plan or
combination of funds that suit your financial goals and risk profile.
The fund(s) chosen is (are):
50% AmMetLife Tactical Bond Fund
50% AmMetLife Dividend Fund
3. How much premium do I have to pay?
The total premium that you have to pay and the terms and conditions relating to your policy may vary depending on the underwriting requirements of
AmMetLife:
Total premium that you have to pay: RM 177.33 Monthly, RM 532.00 Quarterly, RM 1,064.00 Half Yearly, RM 2,128.00 Yearly
Premium duration : 29 years
AmMetLife allocates a portion of the premium to purchase units in the investment-linked fund(s) that you have chosen. Any unallocated amount will be used to
pay commissions to your agents and cover other expenses of AmMetLife. You are advised to refer to the allocation rates given in the sales illustration.
You have thirty (30) days from the premium due date to pay the premium. If you do not pay your premium within thirty (30) days of the premium due date, your
policy will still continue to be in force so long as your fund value is sufficient to cover your insurance charges and other fees & charges. Your policy will lapse
when your fund value is insufficient to pay for your insurance charges and other fees & charges.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 11 of 22


AmMetLife Link
21/08/2016
4. What are the fees and charges that I have to pay?
The insurance charges are deducted monthly from your fund value. The insurance charges may increase as you grow older. Details of insurance charges
and other fees & charges are shown in the sales illustration.
If you pay via Biro Angkasa, there will be an additional charge of 2% of your premium.
Two free switches between investment funds are allowed during a complete policy year. Thereafter, a switching fee of RM 50 will be charged for each
additional switch.
RM 50 will also be charged for each partial withdrawal that you made on your investment fund(s).
A surrender charge of RM100 or 10% of the Surrender Value, whichever is lower, will be made on full surrender of units.
Commission - Please refer to the sales illustration for commission payable to agent.
The fees and charges that you have to pay shall be the fees and charges plus Goods and Services Tax (GST) as may be applicable under the provision
of the Goods and Services Tax law.
The GST amount is based on the prevailing GST rate of 6% and the applicability of GST on AmMetLifes fees/charges to the best knowledge of
AmMetLife. Should there be any changes in the GST rate or applicability of GST on any fees/charges due to the changes in law or any other factors,
AmMetLife has the right to change the amount payable.
5. What are some of the key terms and conditions that I should be aware of?
You should satisfy yourself that this plan will best serve your needs and that the premium payable under this policy is an amount you can afford.
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
You must complete the proposal form accurately. If you fail to disclose or wrongly disclose any material information:
i) premium and benefit amount may be affected; or
ii) the contract may be cancelled and any unallocated premium, the fund value and any insurance charges and other fees & charges which have been
deducted less medical expenses, claims and indebtedness (if any) will be refunded to you.
Cooling-off period - you may cancel your ILP by returning the policy to the Company within fifteen (15) days from the date of receipt of your policy.
AmMetLife will refund to you any unallocated premium, the fund value and any insurance charges and other fees & charges which have been deducted
less any expenses which may have been incurred by AmMetLife for any medical examination of the Life Assured.
Fund value - the fund value of the ILP depends on the investment performance of the investment-linked fund(s) that you have chosen. The higher the
level of insurance coverage selected, the more units will be cancelled to pay the insurance charges and the fewer units will remain to accumulate fund
value under your policy.
Your investment-linked plan will lapse if there is not enough units in your fund to pay the insurance charges and other fees & charges.
The life assured will be covered for accidental death once an official receipt has been issued to you. Please ensure you receive and keep the receipt as
proof of payment of premium. You are advised to refer to the Terms and Conditions shown in the official receipt.
You are allowed to top up the premium under this policy at any time while the policy is in force. The minimum top up premium payable shall be RM 50.00.
You or your representative must notify AmMetLife as soon as possible after a claim event. You may visit www.ammetlife.com for the detailed claim
procedure.
If you switch to another insurer or transfer from one policy to another, you may be subject to the new terms and conditions of the new policy or the new
insurer.
If your insurance agent ceases to be an agent of AmMetLife, the company will take the necessary action to inform you accordingly.
AmMetLife Insurance Berhad is licensed under Financial Services Act (FSA) 2013 and regulated by Bank Negara Malaysia (BNM).
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this policy.
6. What are the major exclusions under this policy?
If Life Assured dies by suicide within one year from the effective date of the policy or date of reinstatement, whichever is later, the Death Benefit payable
by us shall be limited to the fund value as at the date a claim for the Death Benefit is submitted to us in our prescribed claim form complete with such
documents as we may required.
TPD shall not cover any disability caused directly or indirectly, wholly or partly, by any of the following occurrences:i.
Self-inflicted injury or any attempt thereat while sane or insane; or
ii. War declared or undeclared, participation in riots, strikes or civil commotion; or
iii. Military or naval service in time of declared or undeclared war or while under orders for war like operations or restoration of public order; or
iv. Entering, operating or servicing, ascending or descending from or with any aerial device or conveyance except while the Life Assured is in an aircraft
operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route or when the Life Assured is
a passenger of a fully licensed aircraft or helicopter services operating in areas not serviced by a regular scheduled passenger aircraft; or
v. If the Life Assured is found to be infected by any Human Immunodeficiency Virus (HIV) or acquired Immune Deficiency Syndrome (AIDS), AIDS
Related Complex (ARC) except if due to blood transfusion; or
vi. While under the influence of drugs or intoxicating liquor or while insane; or
vii. Disability sustained prior to effective date of policy.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 12 of 22


AmMetLife Link
21/08/2016
7. Can I cancel my policy?

Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this policy for a short period of time in view of the high initial
costs. If you find that the investment fund that you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed to make two
switches per policy year without any fee. For additional switches during the same policy year, a switching fee of RM 50.00 will be charged. If you terminate
your policy in early years, you may not get back the same amount of premium that you have paid.
8. What do I need to do if there are changes to my contact details?
It is important that you inform us of any change in your contact details (including that of the nominee and/or trustee) to ensure that all correspondences reach
you and/or nominee/trustee in a timely manner.
9. Where can I get further information?
Should you require additional information about investment-linked insurance, please refer to the relevant insuranceinfo booklet, available on
www.insuranceinfo.com.my.
If you have any enquiries, please contact AmMetLife at:
Customer Care Centre
Level 6, Menara 1 Sentrum,
No. 201, Jalan Tun Sambanthan,
50470 Kuala Lumpur.
Tel: 1 300 88 8800 Fax: (603) 21713000
E-mail: customercare@ammetlife.com
Homepage: www.ammetlife.com
SMS (Alert)
Type AML<space>Message
Send to 33911
10. Other similar types of cover available?
Please contact AmMetLife for other similar type of plans offered by AmMetLife.
IMPORTANT NOTE:
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 MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED
PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE
INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUMS AS TOP UPS. RETURN ON AN INVESTMENTLINKED FUND IS NOT GUARANTEED.
The information provided in this Product Disclosure Sheet is valid as at 21 August 2016
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 13 of 22

Read this Product Disclosure Sheet before you decide to take up AmMedic
Flexi Plus Rider . Upon receiving the Supplementary Contract, be sure to read

21/08/2016

AmMedic Flexi Plus is a unit deducting rider which provides hospitalisation and surgical expenses incurred due to illness covered under the Supplementary
Contract.
Your choice of plan is: Plan 2

Please refer to your benefit limits in the table below.
Your plan is conditionally renewable up to age 80 next birthday, subject to AmMetLifes right to withdraw the entire portfolio if AmMetLife decides to
discontinue underwriting this product.
Benefits are payable on the actual amount charged by the hospital.
The Schedule of Benefits below shows the benefits payable and benefit limits for each plan.
SCHEDULE OF BENEFITS
Plan Type (Maximum Per Disability)
Plan 1
Plan 2
Plan 3
In-patient Benefits
RM
RM
RM
Plan 4
RM
Room &Board (maximum 150 days)
100
150
200
300
ICU (maximum 75 days)
200
250
300
400
Hospital Miscellaneous Services

Operating Theatre fees
Surgical Benefit
As charged basis subject to Overall Annual Limit &Lifetime

Limit
Anaesthetist's Fees
Pre &Post Benefits
Pre-hospital Diagnostic Services (within 60 days prior to admission or surgery)
Pre-hospital Specialist Consultation (within 60 days prior to admission or surgery)
Post Hospital Follow-up (within 60 days from discharge)

Limit
Second Surgical Opinion (within 60 days prior to surgery)

In-hospital Physician Visit (max 1 visit per day / max 150 days)
Out-patient Benefits
Emergency Treatment for Accidental Injury inclusive of Dental injury
(within 24 hours &31 days follow-up)
500
1,000
2,000
3,000
Out-patient Physiotherapy (with written referral within 90 days from hospital discharge/surgery)
Day care procedure (inclusive of all incidental services &supplies)

Limit
Ambulance Fees
Medical Record Fees
80
80
80
80
Outpatient Cancer Treatment (max per annum)
15,000
30,000
40,000
50,000
Outpatient Kidney Dialysis (max per annum)
15,000
30,000
40,000
50,000
Organ Transplant (once per lifetime)
25,000
50,000
75,000
100,000
Medical Catastrophe Benefits
Miscellaneous
Consumption Tax

Limit
Bereavement Benefit
Funeral Expense
5,000
5,000
10,000
10,000
Overall Annual Limit
30,000
75,000
125,000
200,000
Lifetime Limits
150,000
375,000
625,000
1,000,000
Duration: Yearly renewable up to age 80 next birthday, term of 24 years or upon termination, whichever is earlier.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 14 of 22

Read this Product Disclosure Sheet before you decide to take up AmMedic
Flexi Plus Rider . Upon receiving the Supplementary Contract, be sure to read

21/08/2016
You do not have to pay additional premium for the Supplementary Contract as the insurance charges for the Supplementary Contract will be deducted
from the account value (also refers to fund value) of the basic policy on a monthly basis. However, purchasing too many Supplementary Contracts will
result in lower account value and the basic policy will lapse if the account value of the basic policy is insufficient to deduct for the insurance charges.
The insurance charges to be deducted will vary depending on AmMetLifes underwriting requirements and the amount is determined according to the plan
you have chosen and vary with your age on next birthday at each anniversary of the Supplementary Contract.
The insurance charges are not guaranteed. AmMetLife reserves the right to revise the applicable insurance charges at the following anniversary of the
Supplementary Contract by giving you at least thirty (30) days advance written notice.
Your insurance charges will increase according to your age on next birthday at each anniversary of the Supplementary Contract. For insurance charges
applicable to your chosen Plan 2 , please refer to the insurance charges table below.
The individual monthly insurance charges (GST* exclusive in RM) for Occupation Class 2 are as follows:
Plan 1
Plan 2
Plan 3
Plan 4
30 days to 5 years
Age/Plan
25.16
27.75
37.16
41.33
6 - 17 years
21.00
22.50
26.16
30.33
18 - 35 years
25.33
28.00
37.58
41.75
36 - 45 years
29.75
37.08
49.00
54.16
46 - 55 years
43.41
51.75
65.83
73.16
56 - 60 years
61.50
73.00
90.00
99.41
61 - 65 years**
81.08
97.50
124.41
143.25
66 - 70 years**
97.58
119.50
161.08
186.66
71 - 75 years**
115.58
142.58
202.91
237.08
76 - 80 years**
145.50
180.33
270.41
318.08
**Applicable for Renewal Ages only.
The individual monthly insurance charges (plus GST* in RM) for Occupation Class 2 are as follows:
Plan 1
Plan 2
Plan 3
Plan 4
30 days to 5 years
Age/Plan
26.67
29.42
39.39
43.81
6 - 17 years
22.26
23.85
27.73
32.15
18 - 35 years
26.85
29.68
39.83
44.26
36 - 45 years
31.54
39.30
51.94
57.41
46 - 55 years
46.01
54.86
69.78
77.55
56 - 60 years
65.19
77.38
95.40
105.37
61 - 65 years**
85.94
103.35
131.87
151.85
66 - 70 years**
103.43
126.67
170.74
197.86
71 - 75 years**
122.51
151.13
215.08
251.30
76 - 80 years**
154.23
191.15
286.63
337.16
*Note:
The total insurance charges that you have to pay shall be the insurance charges plus Goods and Services Tax (GST) as may be applicable under the
provision of the Goods and Services Tax law.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 15 of 22

Read this Product Disclosure Sheet before you decide to take up
AmMedic Flexi Plus Rider . Upon receiving the Supplementary Contract,
be sure to read the general terms and conditions as stated in it.

21/08/2016
The insurance charges are deducted monthly from the account value of the basic policy. The insurance charges will increase as you grow older. Details of
the insurance charges are given in the sales illustration.
Goods and Services Tax (GST*): 6% of insurance charges
Your GST amount payable will also increase according to your age on next birthday at each anniversary of the Supplementary Contract as your insurance
charge increases.
For GST applicable to your chosen Plan 2 , please refer to the table below.
Monthly GST* (in RM) payable are as follows:
Plan 1
Plan 2
Plan 3
Plan 4
30 days to 5 years
Age/Plan
1.51
1.67
2.23
2.48
6 - 17 years
1.26
1.35
1.57
1.82
18 - 35 years
1.52
1.68
2.25
2.51
36 - 45 years
1.79
2.22
2.94
3.25
46 - 55 years
2.60
3.11
3.95
4.39
56 - 60 years
3.69
4.38
5.40
5.96
61 - 65 years**
4.86
5.85
7.46
8.60
66 - 70 years**
5.85
7.17
9.66
11.20
71 - 75 years**
6.93
8.55
12.17
14.22
76 - 80 years**
8.73
10.82
16.22
19.08

*Note:
You should satisfy yourself that this Supplementary Contract will best serve your needs and that the insurance charges under this Supplementary
Contract is an amount you can afford.
Importance of disclosure you must disclose all material facts such as medical condition, and state your age correctly
i) insurance charges and benefit amount may be affected; or
ii) the Supplementary Contract may be cancelled and all insurance charges that have been deducted less medical expenses, claims and indebtedness
will be credited back to your investment linked fund.
If you switch to another insurer or transfer from one Supplementary Contract to another, you may be subject to the new terms and conditions of the new
Supplementary Contract or the new insurer.
If your insurance agent ceases to be an agent of AmMetLife, AmMetLife will inform you accordingly.
Cooling off period you may cancel your Supplementary Contract by returning the Supplementary Contract within fifteen (15) days from the date of
receipt of the Supplementary Contract. The insurance charges that have been deducted less any expenses which may have been incurred by AmMetLife
for any medical examination of the Insured Person will be credited back to your investment linked fund.
Waiting period the eligibility for benefits will only start thirty (30) days after the effective date or date of any reinstatement of the Supplementary
Contract, whichever is later. Except for accidental coverage, where the coverage will commence from the effective date or date of reinstatement of
coverage. This waiting period shall not be applicable after the first year of cover. However, if there is a break in insurance, the waiting period will apply
again.
Unless renewed, the coverage will cease on expiry date and AmMetLife shall strictly not be liable for any expenses that take place after the expiry date.
If the Insured Person is hospitalised at a published Room &Board rate which is higher than his/her eligible benefit, the Insured Person shall bear 20% of
other eligible benefits described in the Schedule of Benefits.
You may visit ammetlife.com for the list of panel hospitals.
procedure.
Note: This list is non-exhaustive. Please refer to the Supplementary Contract for the terms and conditions under this Supplementary Contract.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 16 of 22

AmMedic Flexi Plus Rider . Upon receiving the Supplementary Contract,
be sure to read the general terms and conditions as stated in it.

21/08/2016
6. What are the major exclusions under this Supplementary Contract?
Pre-existing illness.
Specified Illnesses occurring during the first 120 days of continuous cover.
Any medical or physical conditions arising within the first 30 days of the Insured Persons cover or date of reinstatement whichever is latest except for
accidental injuries.
Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness(Radial Keratotomy)and the use
or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during
the Period of Insurance.
Note: This list is non-exhaustive. Please refer to the Supplementary Contract for the full list of exclusions under this Supplementary Contract.
7. Can I cancel this Supplementary Contract?

You may cancel your Supplementary Contract by giving written notice to AmMetLife.
If you cancel after the fifteen (15) days cooling off period, the deduction of insurance charges from your account value will cease on the following
anniversary month. You will not receive any refund of insurance charges paid.

Should you require additional information about medical and health insurance, please refer to the relevant insuranceinfo booklet, available on
If you have any enquiries, please contact us at:
50470 Kuala Lumpur.
Tel: 1 300 88 8800 Fax: (603) 21713000
SMS (Alert)
Send to 33911
AmMetLife Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
10. Other similar types of cover available
Please ask AmMetLife Insurance Berhad for other similar type of plans offered by AmMetLife Insurance Berhad.
IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE
POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 17 of 22

Comprehensive Accident Indemnity Rider . Upon receiving the Supplementary
Contract, be sure to read the general terms and conditions as stated in it.

21/08/2016

Comprehensive Accident Indemnity Rider is a unit deducting rider which offers a yearly renewable cover for injuries or death occured within ninety (90) days
from the date of an accident.
This Supplementary Contract covers the following, subject to the terms and conditions stated in the Supplementary Contract:
a)
b)
c)
d)
e)
f)
Accidental Death - RM 20,000.00

Permanent Disablement
Double Indemnity
The indemnities payable under item (a) and (b) above will be doubled (ie RM 40,000.00) if the loss is occurred:
i.
While the Life Assured is a passenger within any mechanically propelled, non-aerial, public conveyance over an established land route; or
ii. While the Life Assured is in an elevator car (excluding elevators in mines and construction sites); or
iii. As a consequence of the burning of any theatres, hotel or other public buildings in which the Life Assured was present at the commencement of the
fire.
Weekly Indemnity
i.
Temporary, total and continuous disability - RM 140.00 per week.
ii. Temporary, partial and continuous disability - RM 35.00 per week.
The payment of weekly indemnity is subject to a maximum of 52 weeks.
Hospital Indemnity
Weekly payment of RM 70.00 if the Life Assured is hospitalised due to an accident subject to a maximum of 25 weeks.
Surgical Indemnity
Benefit payable will range from RM 200.00 to RM 600.00 if the Life Assureds undergoes surgical operations as named in the Supplementary Contract
due to an accident.
Note:
For any accident, only one benefit out of item (a), (b) and (c) is payable and any claim made under one of these three benefits shall automatically
exclude the other benefits. However, for any one accident, a claim may be payable under item (d), (e) and (f). In any event, the total benefit payable
shall not exceed Sum Assured of the Supplementary Contract.
The percentage of Sum Assured will be payable according to the Schedule of Indemnities if the Life Assured suffers Accidental Permanent
Disablement or undergoes surgical operations. Please refer to the Supplementary Contract for the Schedule of Indemnities.
The insurance charges to be deducted will vary depending on AmMetLifes underwriting requirements.
Supplementary Contract by giving you at least ninety (90) days advance written notice.
The renewal of the Supplementary Contract is guaranteed up to the expiry date stipulated in the Policy Schedule.
The insurance charges are deducted monthly from the account value of the basic policy. The insurance charges may increase as you grow older. Details
of the insurance charges are given in the sales illustration.
The insurance charges of the Supplementary Contract that you have to pay shall be the insurance charges plus Goods and Services Tax (GST) as may
be applicable under the provision of the Goods and Services Tax law.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 18 of 22

Comprehensive Accident Indemnity Rider . Upon receiving the Supplementary
Contract, be sure to read the general terms and conditions as stated in it.

21/08/2016
Importance of disclosure you must disclose all material facts such as your occupation and your personal pursuits which would affect the risk profile and
number of personal accident policies that you have purchased from other insurance companies.
for any medical examination of the Life Assured will be credited back to your investment linked fund.
You will be covered for accidental death once an official receipt has been issued to you. Please ensure you receive and keep the receipt as proof of your
premium payment. You are advised to refer to the Terms and Conditions shown in the official receipt.
procedure.
This Supplementary Contract does not cover death or injury caused by the following events:
Assault or murder
Attempted self-destruction
War, riot, civil commotion, revolution or any warlike operations
Participation in any brawl
Under the influence of alcohol or any drug
If you cancel your Supplementary Contract after the fifteen (15) days cooling off period, the deduction of insurance charges from your account value will
cease on the following anniversary month. You will not receive any refund of insurance charges paid.
8. What do I need to do if there are changes to my contact / personal details?

It is important that you inform us of any change in your life profile including your occupation and personal pursuits which would affect the risk profile.
Should you require additional information about personal accident insurance, please refer to the relevant insuranceinfo booklet, available on
50470 Kuala Lumpur.
Tel: 1 300 88 8800 Fax: (603) 21713000
SMS (Alert)
Send to 33911
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 19 of 22

Comprehensive Accident Indemnity Rider . Upon receiving the
Supplementary Contract, be sure to read the general terms and
conditions as stated in it.

21/08/2016

IMPORTANT NOTE:
YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY. YOU MUST NOMINATE A
NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT POLICY THAT YOU HAVE PURCHASED. YOU SHOULD
READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR
MORE INFORMATION.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 20 of 22

Hospitalisation Benefit Rider . Upon receiving the Supplementary Contract, be
sure to read the general terms and conditions as stated in it.

21/08/2016

Hospitalisation Benefit Rider is a unit deducting rider which provides a daily benefit if the Life Assured is hospitalised due to illness or injury.
This Supplementary Contract covers:
RM 60.00 per day is payable if the Life Assured is hospitalised in a government hospital or any licensed hospital approved by the Company, subject to a
maximum of 52 weeks for any one illness or injury.
The insurance charges to be deducted will vary depending on AmMetLifes underwriting requirements.
Supplementary Contract by giving you at least thirty (30) days advance written notice.
The renewal of the Supplementary Contract is guaranteed up to the expiry date stipulated in the Policy Schedule.
The insurance charges are deducted monthly from the account value of the basic policy. The insurance charges may increase as you grow older. Details
of the insurance charges are given in the sales illustration.
The insurance charges of the Supplementary Contract that you have to pay shall be the insurance charges plus Goods and Services Tax (GST) as may
be applicable under the provision of the Goods and Services Tax law.
Importance of disclosure you must disclose all material facts such as medical condition, and state your age correctly.
for any medical examination of the Life Assured will be credited back to your investment linked fund.
Waiting period the eligibility for benefits will only start thirty (30) days after the effective date or date of any reinstatement of the Supplementary Contract,
whichever is later.
Unless renewed, the coverage will cease on expiry date and AmMetLife Insurance Berhad shall strictly not be liable for any expenses that take place after
the expiry date.
procedure.
self destruction or intentional self-inflicted injury or any attempt thereat; or

war declared or undeclared, strikes riots, civil war, revolution or any warlike operations; or
service in the armed forces at time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or
any violation or attempted violation of the law or resistance to arrest.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 21 of 22

Hospitalisation Benefit Rider . Upon receiving the Supplementary Contract, be
sure to read the general terms and conditions as stated in it.

21/08/2016

If you cancel your Supplementary Contract after the fifteen (15) days cooling off period, the deduction of insurance charges from your account value will
cease on the following anniversary month. You will not receive any refund of insurance charges paid.

Should you require additional information about medical and health insurance, please refer to the relevant insuranceinfo booklet, available on
50470 Kuala Lumpur.
Tel: 1 300 88 8800 Fax: (603) 21713000
SMS (Alert)
Send to 33911
IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE
POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.
Prepared by
: EA AI KIM
Agent Code
: 01866232
MOS version 1.32.

Page 22 of 22

Sales Illustration PDF

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Specially Prepared for

Presented By: EA AI KIM

Age Next Birthday

: Regular Premium Investment-Linked Insurance Plan

Age Next Birthday

: 50% AmMetLife Tactical Bond Fund

Protection Portion Premium RM1,200

AmMedic Flexi Plus Rider

Comprehensive Accident Indemnity Rider

Hospitalisation Benefit Rider

Note: These loadings will be subjected to Underwriter's final approval.

Half Yearly (RM)

MOS version 1.32.

AmMetLife Link is a regular premium investment-linked plan up to age 85 that provides:

MOS version 1.32.

Minimum Annual Premium Required : RM1,200

MOS version 1.32.

BASIC ILLUSTRATIVE VALUES

Projected Investment Return: (X% p.a.)

Projected Investment Return: (Y% p.a.)

MOS version 1.32.

BASIC AND RIDERS ILLUSTRATIVE VALUES

Projected Investment Return: (X% p.a.)

Projected Investment Return: (Y% p.a.)

MOS version 1.32.

Total Premiums Paid (RM)

Insurance Portion (RM)

Investment Portion (RM)

Insurance Portion (%)

Investment Portion (%)

Insurance Portion (RM)

Investment Portion (RM)

Total Allocated Premiums (RM)

MOS version 1.32.

AmMetLife Asia Pacific REITS Fund

AmMetLife Tactical Bond Fund

AmMetLife Oasis Islamic Equity Fund*

AmMetLife Dana Teguh*

AmMetLife Global Emerging Market Fund

AmMetLife Balanced Fund

AmMetLife Global Agribusiness Fund

AmMetLife Dividend Fund

AmMetLife Precious Metals Fund*

AmMetLife Equity Fund

Projected Investment Return of

Projected Investment Return of

Projected Investment Return of

Projected Investment Return of

Projected Investment Return of

Projected Investment Return of

MOS version 1.32.

AmMetLife Bond Fund

AmMetLife Tactical Bond Fund

AmMetLife Dana Teguh *

AmMetLife Balanced Fund

AmMetLife Dividend Fund

AmMetLife Equity Fund

The Fund aims to provide the

The Fund seeks to achieve

The Fund aims to provide the

The Fund aims to provide the

The Fund aims to provide the

The Fund aims to provide the