Great Eastern Life Assurance (Malaysia) Berhad: Ms Abby

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
MS ABBY
Plan Type
SmartProtect Essential Insurance 2
PRESENTED BY : LOH CHEE CHUEN (6512931)

DATE PREPARED : 24/05/2018
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: 24/05/2018 (GELSIS-5.65B) Prepared by : LOH CHEE CHUEN
Quotation for : 0281 SmartProtect Essential Insurance 2 Gender : Female
Plan Type : Regular Premium Investment-Linked Insurance Plan Smoker : No
Client's Name : MS ABBY Age Next Birthday : 25
Occupation Class :2
Premium Mode : Monthly
Benefits Provided: Amount: Benefits Provided: Amount:

Death Benefit Female Illnesses Benefit
Lump sum (all causes) RM 300,000 plus Lady Benefit Not Applicable
Additional Sum
Assured plus Total
Investment Value
Total & Permanent Disability (TPD) Pregnancy & Neonatal Benefit / Infant Not Applicable
Benefit Coverage
Lump sum RM 300,000 plus Medical Benefit (1) - Not Applicable
Additional Sum
Assured, subject to a
maximum of
RM10,000,000
Income Not Applicable Room & Board (R&B) Limit Not Applicable
Covered Event Benefit Increase to the Hospital R&B Limit at Not Applicable
the end of every 3rd policy year
Early payout in lump sum Up to RM 200,000 Medical Reimbursement:
Lump sum RM 200,000 I) Hospital and Surgical Benefit Not Applicable
Accident Benefit II) Outpatient Treatment Benefit Not Applicable
Accidental Death Not Applicable Reimbursement up to:
Accidental Death (in public conveyance) Not Applicable I) Initial Overall Annual Limit Not Applicable
Accidental TPD Not Applicable II) Overall Lifetime Limit Not Applicable
Accidental Dismemberment Not Applicable Increase to Initial Overall Annual Limit Not Applicable
at the end of every 3rd policy year
Accidental Medical Reimbursement Not Applicable Overall Annual Limit Not Applicable
Accidental Income: Medical Benefit (2) - Not Applicable
I) Temporary Total Disability Not Applicable Deductible Amount (per policy year) Not Applicable
II) Temporary Partial Disability Not Applicable Room & Board (R&B) Limit Not Applicable
III) Confinement in Government Hospital Not Applicable Medical Reimbursement:
Compassionate Allowance Not Applicable I) Hospital and Surgical Benefit Not Applicable
Renewal Incentive Not Applicable II) Outpatient Treatment Benefit Not Applicable
Hospitalisation Income Benefit Reimbursement up to:
Normal Ward Confinement Not Applicable I) Overall Annual Limit Not Applicable
ICU Confinement Not Applicable II) Overall Lifetime Limit Not Applicable
Confinement in Government Hospital Not Applicable Payer Benefit
(all causes)
Death Benefit / TPD Benefit Not Applicable
Covered Event Benefit Not Applicable
Waiver Benefit
TPD Benefit Not Applicable
Covered Event Benefit Not Applicable
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.
JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 2 of 38

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 Shariah-
approved 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), Term Benefit Amount Annualised Extra Mortality Loading (RM Extra Monthly
if any (Years) (RM) Premium (RM) (%) Per 1,000) Premium Premium
(RM) (RM)
Basic Annual Premium #
Insurance Premium 74 300,000 3,600.00 0% 0.00 0.00 300.00
Unit deduction rider(s)

U100 IL CIBR 74 200,000 0.00 0% 0.00 0.00 0.00
U86 SEPCC 45 200,000 0.00 0% 0.00 0.00 0.00
Total (RM) 3,600.00 0.00 300.00
# 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.

Investment Strategy Selected : 7 My Choiced Investor Profile ^
Investment Horizon : 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 #

Unit Fund(s) Selected Y% X%
Policy Year 1-20 Policy Year 21-30 Policy Year 1-30
F1 Lion Balanced Fund 8% 5.50% 3%
F4 Lion Fixed Income Fund 7% 5.00% 4%
F5 Lion Progressive Fund 8% 5.50% 3%
F6 Dana Sejati 7% 5.00% 4%
F9 Lion Strategic Fund 8% 5.50% 3%
F17 Lion Enhanced Equity Fund 9% 6.00% 2%
F18 Dana Gemilang 9% 6.00% 2%
Policy Year Unit Fund(s) Selected

From To F1 F4 F5 F6 F9 F17 F18
1 74 100%
Weighted Projected Gross Investment Return X% and Y%
Policy Year Weighted Projected Gross Investment Return #

From To Y% X%
1 20 8.00 3.00
21 30 5.50 3.00
^Please refer to Important Notes for your investment profile.
#Before deduction for tax and fund management charge

Illustration of Expected Benefits for Basic Plan and Rider(s), if any
Not Guaranteed Rider(s)

End of Age at Total Premium Paid Net Projected Investment Return of Fund: Net Projected Investment Return of Fund: IL CIBR SEPCC
Policy End of Y%# X%#
Year Policy
Year
Cash Value Death Benefit Cash Value Death Benefit
1 26 3,600.00 951 300,951 928 300,928 200,000 200,000
2 27 7,200.00 1,952 304,952 1,863 304,863 200,000 200,000
3 28 10,800.00 4,234 310,234 4,002 310,002 200,000 200,000
4 29 14,400.00 6,655 315,655 6,173 315,173 200,000 200,000
5 30 18,000.00 9,552 321,552 8,696 320,696 200,000 200,000
6 31 21,600.00 12,611 327,611 11,242 326,242 200,000 200,000
7 32 25,200.00 16,414 334,414 14,370 332,370 200,000 200,000
8 33 28,800.00 20,444 341,444 17,537 338,537 200,000 200,000
9 34 32,400.00 24,708 348,708 20,739 344,739 200,000 200,000
10 35 36,000.00 29,219 356,219 23,974 350,974 200,000 200,000
11 36 39,600.00 33,982 363,982 27,232 357,232 200,000 200,000
12 37 43,200.00 39,013 372,013 30,512 363,512 200,000 200,000
13 38 46,800.00 44,333 380,333 33,820 369,820 200,000 200,000
14 39 50,400.00 49,958 388,958 37,155 376,155 200,000 200,000
15 40 54,000.00 55,898 397,898 40,505 382,505 200,000 200,000
16 41 57,600.00 62,131 407,131 43,833 388,833 200,000 200,000
17 42 61,200.00 68,682 416,682 47,142 395,142 200,000 200,000
18 43 64,800.00 75,555 426,555 50,416 401,416 200,000 200,000
19 44 68,400.00 82,737 436,737 53,624 407,624 200,000 200,000
20 45 72,000.00 90,251 447,251 56,766 413,766 200,000 200,000
21 46 75,600.00 96,001 456,001 59,825 419,825 200,000 200,000
22 47 79,200.00 101,831 464,831 62,787 425,787 200,000 200,000
23 48 82,800.00 107,717 473,717 65,623 431,623 200,000 200,000
24 49 86,400.00 113,643 482,643 68,312 437,312 200,000 200,000
25 50 90,000.00 119,602 491,602 70,843 442,843 200,000 200,000
26 51 93,600.00 125,576 500,576 73,195 448,195 200,000 200,000
27 52 97,200.00 131,548 509,548 75,345 453,345 200,000 200,000
28 53 100,800.00 137,508 518,508 77,283 458,283 200,000 200,000
29 54 104,400.00 143,401 527,401 78,950 462,950 200,000 200,000
30 55 108,000.00 149,243 536,243 80,359 467,359 200,000 200,000
# 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
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)
5.The projected investment returns shown above is net of tax and all applicable charges.

Illustration of Expected Benefits under net projected investment return of X% and Y% assumption #
Not Guaranteed
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) = (D)+(E)+(J) (L)
3
End of Age at Premium Unallocated Allocated Basic Sum Additional Insurance Charge Policy Fee Fund Management Net Cash Value Death Benefit Total
Policy End of Paid 1 Premium 2 Charge
Year Policy Premium Assured Sum Distribution
2 4
Year Assured Cost
3
Basic Plan Rider(s) Y% X% Y% X% Y% X%
1 26 3,600.00 2,052.00 1,548.00 300,000 0 341.76 209.88 76.32 4 4 951 928 300,951 300,928 1,440.00
2 27 3,600.00 2,052.00 1,548.00 300,000 3,000 341.76 220.44 76.32 13 14 1,952 1,863 304,952 304,863 1,440.00
3 28 3,600.00 864.00 2,736.00 300,000 6,000 341.76 231.12 76.32 29 29 4,234 4,002 310,234 310,002 900.00
4 29 3,600.00 864.00 2,736.00 300,000 9,000 341.76 237.36 76.32 51 50 6,655 6,173 315,655 315,173 900.00
5 30 3,600.00 540.00 3,060.00 300,000 12,000 341.76 250.20 76.32 76 73 9,552 8,696 321,552 320,696 540.00
6 31 3,600.00 540.00 3,060.00 300,000 15,000 341.76 271.44 76.32 104 98 12,611 11,242 327,611 326,242 540.00
7 32 3,600.00 0.00 3,600.00 300,000 18,000 341.76 279.84 76.32 137 126 16,414 14,370 334,414 332,370 0.00
8 33 3,600.00 0.00 3,600.00 300,000 21,000 341.76 294.60 76.32 173 157 20,444 17,537 341,444 338,537 0.00
9 34 3,600.00 0.00 3,600.00 300,000 24,000 341.76 315.84 76.32 212 188 24,708 20,739 348,708 344,739 0.00
10 35 3,600.00 0.00 3,600.00 300,000 27,000 341.76 339.12 76.32 253 219 29,219 23,974 356,219 350,974 0.00
11 36 3,600.00 0.00 3,600.00 300,000 30,000 341.76 373.20 76.32 297 251 33,982 27,232 363,982 357,232 0.00
12 37 3,600.00 0.00 3,600.00 300,000 33,000 341.76 407.04 76.32 343 283 39,013 30,512 372,013 363,512 0.00
13 38 3,600.00 0.00 3,600.00 300,000 36,000 341.76 436.80 76.32 391 315 44,333 33,820 380,333 369,820 0.00
14 39 3,600.00 0.00 3,600.00 300,000 39,000 341.76 468.48 76.32 443 348 49,958 37,155 388,958 376,155 0.00
15 40 3,600.00 0.00 3,600.00 300,000 42,000 341.76 510.96 76.32 497 381 55,898 40,505 397,898 382,505 0.00
16 41 3,600.00 0.00 3,600.00 300,000 45,000 369.72 563.88 76.32 554 413 62,131 43,833 407,131 388,833 0.00
17 42 3,600.00 0.00 3,600.00 300,000 48,000 395.28 614.88 76.32 614 446 68,682 47,142 416,682 395,142 0.00
18 43 3,600.00 0.00 3,600.00 300,000 51,000 425.88 676.32 76.32 677 478 75,555 50,416 426,555 401,416 0.00
19 44 3,600.00 0.00 3,600.00 300,000 54,000 461.52 763.20 76.32 743 510 82,737 53,624 436,737 407,624 0.00
20 45 3,600.00 0.00 3,600.00 300,000 57,000 504.96 841.56 76.32 812 541 90,251 56,766 447,251 413,766 0.00
21 46 3,600.00 0.00 3,600.00 300,000 60,000 555.96 926.52 76.32 893 571 96,001 59,825 456,001 419,825 0.00
22 47 3,600.00 0.00 3,600.00 300,000 63,000 619.68 1,013.40 76.32 948 600 101,831 62,787 464,831 425,787 0.00
23 48 3,600.00 0.00 3,600.00 300,000 66,000 696.12 1,113.00 76.32 1,004 629 107,717 65,623 473,717 431,623 0.00
24 49 3,600.00 0.00 3,600.00 300,000 69,000 785.40 1,218.96 76.32 1,061 656 113,643 68,312 482,643 437,312 0.00
25 50 3,600.00 0.00 3,600.00 300,000 72,000 882.36 1,325.04 76.32 1,118 681 119,602 70,843 491,602 442,843 0.00
26 51 3,600.00 0.00 3,600.00 300,000 75,000 989.40 1,439.52 76.32 1,175 705 125,576 73,195 500,576 448,195 0.00
27 52 3,600.00 0.00 3,600.00 300,000 78,000 1,109.28 1,560.24 76.32 1,232 727 131,548 75,345 509,548 453,345 0.00
28 53 3,600.00 0.00 3,600.00 300,000 81,000 1,234.20 1,683.36 76.32 1,289 747 137,508 77,283 518,508 458,283 0.00
29 54 3,600.00 0.00 3,600.00 300,000 84,000 1,369.32 1,850.76 76.32 1,346 764 143,401 78,950 527,401 462,950 0.00
30 55 3,600.00 0.00 3,600.00 300,000 87,000 1,519.80 1,984.32 76.32 1,402 779 149,243 80,359 536,243 467,359 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 total distribution cost and Company's expenses.
2. The Basic Sum Assured and the Additional Sum Assured are guaranteed to be paid provided that the policy is in force and the payment shall be subject to the terms and conditions of the policy.
3. The policy fee and insurance charges for the rider(s) shown above, where applicable, are inclusive of Goods and Services Tax ("GST"). Please refer to the rider(s) description for the rider(s) that is subject to GST.
4. Total distribution cost is the amount received by the intermediary for the sale of this policy and services that the intermediary will provide to you for the duration of your policy. This amount is paid from the charges that
are imposed on your policy. This amount also includes the amount that the intermediary may be entitled to for the duration of your policy provided that the intermediary meets the performance criteria set by the company.
NOTES: -
1. The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED.
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.
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.
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)
10. The projected investment returns shown above is net of tax and all applicable charges.

** IMPORTANT NOTES
GENERAL INFORMATION
· The information set out below forms part of your Sales Illustration.
· Great Eastern Life Assurance (Malaysia) Bhd ("Company") 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 serves your needs and that you can afford the premium. If you need clarification, please
contact us or your agent.
· Buying a regular premium life insurance 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.
· The information set out below explains the individual items in the Sales Illustration table.
PROJECTED INVESTMENT RATE OF RETURN

· The returns of X% and Y% have been used respectively to represent the range of possible returns on your chosen Unit Fund(s),
as shown in earlier pages.
· These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the actual
rate that may occur. The illustrated returns shown have been used to represent the range of possible returns based on your
Investment Strategy and Investment Horizon.
· The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of
premiums paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will
depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than
the values illustrated.
· The investment risks under the policy are to be borne solely by the policy owner. The policy owners must be aware that the unit
prices may fall as well as rise.
· Below is the historical actual annual investment returns of the Unit Fund(s) compared with the selected benchmark indices for
the Unit Fund(s)
Actual Investment Returns
Unit Fund(s) 2012 2013 2014 2015 2016
F1 Lion Balanced Fund 8.52% 22.03% 2.84% 7.53% 0.07%
F4 Lion Fixed Income Fund 5.39% 3.23% 4.40% 5.67% 5.95%
F5 Lion Progressive Fund 10.64% 14.86% -9.91% 1.33% -1.83%
F6 Dana Sejati^^ 6.44% 3.19% 4.37% 5.72% 6.96%
F9 Lion Strategic Fund 9.28% 14.77% -3.66% 1.30% 1.01%
F17 Lion Enhanced Equity Fund 14.11% 29.16% -6.64% 6.12% -0.33%
F18 Dana Gemilang 13.14% 27.77% -4.70% 10.30% -3.95%
^^ formerly known as Mauzuun Bond Fund
Benchmark Returns
Unit Fund(s) Benchmark 2012 2013 2014 2015 2016
F1 Lion Balanced Fund Weighted 6.41% 7.33% -1.48% 0.32% 0.44%
Benchmark
F4 Lion Fixed Income Fund 12 months FD 3.21% 3.20% 3.26% 3.35% 3.28%
F5 Lion Progressive Fund FBM 100 9.60% 11.39% -6.17% -2.89% -2.45%
F6 Dana Sejati^^ 12 months 3.21% 3.21% 3.21% 3.21% 3.13%
Mudharabah
Deposit
F9 Lion Strategic Fund Weighted 6.41% 7.33% -1.48% 0.32% 0.44%
Benchmark
F17 Lion Enhanced Equity FBM 100 9.60% 11.39% -6.17% -2.89% -2.45%
Fund
F18 Dana Gemilang FBM Shariah 11.85% 13.29% -4.17% 2.35% -6.14%
where
FBM 100 : FTSE Bursa Malaysia 100 Index
FBM Shariah : FTSE Bursa Malaysia Emas Shariah Index
12 months FD : 12 months Fixed Deposit Benchmark
12 months Mudharabah Deposit : 12 months Mudharabah Deposit
Weighted Benchmark : 50-50 weighted average index between FBM 100 and 12 months FD rates
· Please note that the historical actual annual returns of the Unit Fund(s) are not available for new fund(s).
· 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.
· Past actual performance is NOT a guide to future performance which may be different.
· Note that the rates of return referred to above is calculated based on the investment in the specified Unit Fund(s) and not to the
premiums paid under this policy.

Description of Fund Objectives
F1 Lion Balanced Fund A fund which invests in a mixture of equities (ranging from 40% to 60%) and fixed income securities.
This fund seeks to provide medium to long-term capital appreciation, with a moderate level of
volatility.
F4 Lion Fixed Income A fund which invests in fixed income securities, for example government and corporate bonds as well
Fund as cash and cash equivalents. This fund seeks to provide consistent returns at low levels of volatility.
Although the fund invests mainly in Malaysia (40% to 100%), it may also partially invest in foreign
fixed income securities (up to 50%), to enhance the fund’s returns.
F5 Lion Progressive A fund which invests in a mixture of equities (ranging from 50% to 90%) and fixed income securities.
Fund This fund seeks to provide medium to long-term capital appreciation, with a moderate-to-high level of
volatility.
F6 Dana Sejati A fund which invests in Shariah approved fixed income securities, for example government and
corporate sukuk as well as Islamic money market papers/deposits. This fund seeks to provide
consistent returns at low levels of volatility. Although the fund invests mainly in Malaysia (40% to
100%), it may also partially invest in foreign Shariah approved fixed income securities (up to 50%), to
enhance the fund’s returns.
F9 Lion Strategic Fund A fund which invests in a mixture of equities, fixed income securities and money market instruments.
There is flexibility in asset allocation as this fund may invest solely in fixed income securities or
equities. This fund seeks to provide medium to long-term capital appreciation, with a moderate level of
volatility.
F17 Lion Enhanced A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term.
Equity Fund This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly
in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up
to 25%), if and when necessary, to enhance the fund’s returns.
F18 Dana Gemilang A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term.
This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly
in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up
to 25%), if and when necessary, to enhance the fund’s returns. The fund only invests in Shariah-
approved securities.
The choice of Unit Fund(s) should be based on, among others, your tolerance to risk. Please seek advise from your agent or us
on your tolerance to risk
PREMIUMS PAID
· This is the amount that you (the policy owner) pay for this policy. Take note that not all of the amount paid will be invested into
the Unit Fund(s) you selected. See explanation on unallocated and allocated premium below
UNALLOCATED PREMIUM
· The unallocated premium charge is an upfront charge on the premium paid and is used to meet the insurer's expenses and total
distribution cost, including the commissions payable to the agent.
ALLOCATED PREMIUM
· This is the amount that will be used to purchase units at Net Assest Value (NAV) in the Unit Fund(s) which you selected.
· Net Asset Value (NAV) : NAV is the single price at which the policy owner purchase the units in an Unit Fund(s) and sell the units
back to the Unit Fund(s).
· The NAV of each Unit Fund(s) is determined daily after the valuation of the assets of the Unit Fund(s).
The allocation rates for Basic Annual Premium are as follows (as a % of premiums) :-
Policy Year 1 2 3 4 5 6 7 & onwards
Insurance Premium 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00
Allocated (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00%
Premium (RM) 1,548.00 1,548.00 2,736.00 2,736.00 3,060.00 3,060.00 3,600.00
. The allocation rates for Single Premium Top-Ups is 95% of premium paid for all years.
BASIC SUM ASSURED

· This is the minimum amount to be received on death or when you become disabled
The policy owner may increase the basic sum assured without increasing the regular premium, subject to the terms and
conditions to be determined by the Company at the time.
CHARGES
· These charges are taken out from your Unit Fund(s).
· The illustrated insurance charges and other charges are based on current levels. These are not guaranteed and may be varied
from time to time by giving 3 months notice to policy owners. For Medical and Health Insurance plan/rider, a 30-day notice will be
given for any upward revision on the charges.
· Insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge
for insurance coverage varies by the attained age next birthday, gender, occupation class, medical rating and smoking status,
where applicable. The insurance charges will increase as you grow older.
· Depending on the Basic Sum Assured, the Insurance Charge for the Basic Plan shall be discounted as follows:
a) For Basic Sum Assured from RM100,000 to RM249,999, you will enjoy 10% discount on the Insurance Charge for the Basic
Plan;
b) For Basic Sum Assured from RM250,000 to RM499,999, you will enjoy 15% discount on the Insurance Charge for the Basic
Plan;
c) For Basic Sum Assured from RM500,000 and above, you will enjoy 20% discount on the Insurance Charge for the Basic Plan.
Note: The said discount shall not apply to the extra Insurance Charge imposed due to Extra Mortality and/or Loading of the Basic
Plan.
· Other Charges: -

In this illustration, the following charges have been assumed:-
(a) Policy Fee : An administration charge of RM6.36 will be deducted monthly from the Unit Fund(s). Policy
Fee is subject to GST, the sum of which will be recovered from you.
(b) Fund Management Charge : This refers to the annual management fee (% of Unit Fund(s)) deducted to cover the cost of
managing the Unit Fund(s).
Unit Fund(s) Fund Management Charge (per
annum)
F1 Lion Balanced Fund 1.00%
F4 Lion Fixed Income Fund 0.50%
F5 Lion Progressive Fund 1.35%
F6 Dana Sejati 0.50%
F9 Lion Strategic Fund 1.25%
F17 Lion Enhanced Equity Fund 1.50%
F18 Dana Gemilang 1.50%
CASH 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.
· This plan does NOT offer any guaranteed minimum surrender value or maturity benefit and subject to No-Lapse Guarantee, the
policy may lapse early depending on the actual investment returns and charges.
· The Company reserves the right, in circumstances it considers exceptional, to suspend creation or cancellation of units.
DEATH BENEFIT
· This is the amount that will be payable on your death.
· While the policy is inforce and subject to its terms and conditions, in the event of death of the life assured, the following will be
payable as Death Benefit:
(i) Basic Sum Assured; plus
(ii) Additional Sum Assured; plus
(iii) the total values of the Unit Fund(s), if any, which is calculated at NAV on the next valuation date.
· For person covered below age 5 years next birthday, a child lien as follows shall apply to the Basic Sum Assured and Additional
Sum Assured: -
Age Next Birthday on Policy Anniversary 1 2 3 4
Percentage (%) of Basic Sum Assured & Additional Sum Assured 20% 40% 60% 80%
Full cover will be given from age 5 next birthday onwards.
TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT

· While the policy is inforce and subject to its terms and conditions, in the event of Total and Permanent Disability prior to the
policy anniversary on which the life assured attains age 70 years next birthday, the Company will advance the Basic Sum
Assured as follows: -
(i) the Basic Sum Assured and Additional Sum Assured not exceeding RM10,000,000 shall be paid in 3 annual instalments with
the first being a lump sum of the Basic Sum Assured and Additional Sum Assured or RM2,000,000, whichever is lesser, and
(ii) the balance of the Basic Sum Assured and Additional Sum Assured (if any) will be payable in two equal annual instalments.
· The maximum TPD Benefit payable under this and all insurance policies (including riders) on the same life assured, is
RM10,000,000 per life (excluding group policies).
· For life assured below age 5 years next birthday, a child lien as per Death Benefit shall apply.
NO-LAPSE GUARANTEE
· The basic policy and its attaching optional riders (if any) will not lapse within the first three policy years if the total investment
value is less than or equal to zero on the monthly deduction date of the policy fee and insurance charge, provided that
(i) all regular premiums of the policy due prior to such monthly deduction date have been paid on each premium due date or
during the Grace Period; and
(ii) there has not been any withdrawal of any units prior to such monthly deduction date.
EXCLUSIONS
· Death during the first policy year as a result of suicide, while sane or insane.
· TPD resulting from self-inflicted injuries, while sane or insane.
Note: The above list of exclusions is appliable for basic plan only and is non-exhaustive. Please refer to your policy for the full list
of exclusions under the basic plan and rider(s), if any.
RIDER(S) DESCRIPTION
U86 Smart Early Payout CriticalCare (SEPCC)

· Smart Early Payout CriticalCare is a unit deduction rider that pays multiple claims across different covered event or across
severity levels within the same covered event, subject to the fulfillment of the pre-defined conditions. The sum assured of this
rider must be the same as the sum assured of Critical Illness Benefit Rider / IL Critical Illness Benefit Rider. This rider will
accelerate the sum assured of the Critical Illness Benefit Rider / IL Critical Illness Benefit Rider, which in turn will also accelerate
the sum assured of the basic plan.
· The insurance charges for this rider are subject to GST, the sum of which will be recovered from you.
U100 IL Critical Illness Benefit Rider (IL CIBR)

· IL Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of occurrence of any one of the
covered events to the life assured. This rider will accelerate the sum assured of the basic plan, subject to the terms and
conditions stated in the policy contract.
· The insurance charges for this rider are subject to GST, the sum of which will be recovered from you.
If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this document, the English version shall
prevail.
Prepared by : LOH CHEE CHUEN

Date : 24/05/2018

ABBY Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up SmartProtect Essential Insurance 2. Be sure to also
read the general terms and conditions.
Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("the Company")
Name of Product : SmartProtect Essential Insurance 2
Date : 24/05/2018
__________________________________________________________________________________________________________
1. What is this product about?

SmartProtect Essential Insurance 2 is an investment-linked insurance plan ("ILP") that offers a combination of insurance
protection and investment.
It also comes with an additional 1% sum assured at no additional cost, which will be payable in the event of death or Total and
Permanent Disability ("TPD"), subject to the terms and conditions stated in the policy contract.
2. What are the covers / benefits provided?

The basic sum assured for this plan is RM 300,000. The basic sum assured plus additional sum assured will be payable upon:
· Death; or
· Total and Permanent Disability (TPD) before age 70 years next birthday,
whichever occurs first, subject to the terms and conditions in the policy contract. However, if Death or TPD occurs before age 5
years next birthday, a child lien shall apply.
Value of the investment units (if any) will be payable together with basic sum assured upon death.
This plan offers No-Lapse Guarantee where the basic policy and its attaching optional riders (if any) will not lapse within the first
three policy years if the total investment value is less than or equal to zero on the monthly deduction date of the policy fee and
insurance charge, provided that
· all regular premiums of the policy due prior to such monthly deduction date have been paid on each premium due date or
during the Grace Period; and
· there has not been any withdrawal of any units prior to such monthly deduction date.
The value of the ILP depends on the price of underlying units, which in turn depends on the performance of your chosen fund(s).
The fund(s) that you have chosen are stated in the sales illustration.
Reminder: Please read the sales illustration which includes product benefits and objectives of the unit fund(s). It is important to
select a plan or a combination of fund(s) that suit your financial goals and risk profile.
3. How much premium do I have to pay?

· The estimated premium for this plan that you have to pay: RM300.00 Monthly
Notes:
(a) The premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the
Company.
(b) The Company allocates a portion of the premium to purchase units in the unit fund(s) that you have chosen. Any unallocated
amount will be used to pay commissions to agents and other expenses of the Company. You are advised to refer to the
allocation rates and other details given in the sales illustration.
4. What are the fees and charges that I have to pay?

· The insurance charges are deducted monthly from the value of your units. The insurance charges will increase as you grow
older.
· The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy
anniversary. Details of insurance charges and other charges for the ILP are given in the sales illustrations.
· The policy fee for this policy is subject to Goods and Services Tax ("GST"), the sum of which will be recovered from you.
5. What are some of the key terms and conditions that I should be aware of?
· Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
· Free-look period - you may cancel your plan by returning your insurance policy within 15 days after you have received it. The
Company will refund to you the unallocated premiums, the value of the units that have been allocated (if any) at unit price at
the next valuation date and any insurance charge and policy fee that have been deducted less any medical fee incurred.
· Cash value - the cash value of the ILP depends on the performance of the unit fund(s) selected. The higher the level of
insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain
to accumulate cash values under your plan.
· Grace period - A grace period of 30 days from each premium due date is given for you to pay the subsequent premiums.
· Policy lapse - Subject to No-Lapse Guarantee, the ILP will lapse when the value of investment units is insufficient to pay for
the insurance and other charges.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this plan.
6. What are the major exclusions under this plan?

· Pre-existing condition.
· Death during the first policy year as a result of suicide, while sane or insane.
· Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan.
7. Can I cancel my plan?
LOH CHEE CHUEN / 6512931 / 0281 / V02 / 0111 Page 12 of 38

Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this plan for a short period of time in
view of the high initial costs. If you find the fund(s) that you have chosen is no longer appropriate, you have the flexibility to switch
fund(s).
8. What do I need to do if there are changes to my / my nominee(s) contact details?

It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you
/ your nominee(s) in a timely manner.
9. Where can I get further information?

Should you require additional information, please refer to the relevant insuranceinfo booklet available at
www.insuranceinfo.com.my
If you have any enquiries, please contact us at:

GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A)
(Licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia)
Head Office : Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Fax : +603 4259 8000
Customer Service Careline : 1300-1300 88
E-mail : wecare-my@greateasternlife.com
10. Other similar types of cover available?

You may check with your agent or contact the Company directly for other similar types of cover currently available.
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 INVESTMENT-LINKED FUND IS NOT
GUARANTEED. YOU ARE ENCOURAGED TO APPOINT A NOMINEE(S) AND ENSURE THAT YOUR NOMINEE(S) IS AWARE OF
THE PLAN THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND
DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION.
If there is any discrepancy between the English and Bahasa Malaysia versions of this document, the English version shall prevail.
The information provided in this disclosure sheet is valid as at 24/05/2018.

Notes: Please read this Product Disclosure Sheet before you decide to take up IL Critical Illness Benefit Rider. Be sure to also read
the general terms and conditions.
Name of Product : IL Critical Illness Benefit Rider
Date : 24/05/2018
__________________________________________________________________________________________________________

IL Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of occurrence of any one of the
covered events. This rider will accelerate the sum assured of the basic plan.

The sum assured for this rider is RM200,000. It will be payable in one lump sum upon occurrence of any one of the covered
events listed in the policy contract (except for Angioplasty and other invasive treatments for coronary artery disease*, whereby the
claim payout is subject to a maximum of RM25,000 per life or 10% of rider sum assured, whichever is lower). Upon the claim of
this rider, the basic sum assured of the attaching policy will be reduced by the amount paid.
*After the claim on Angioplasty and other invasive treatments for coronary artery disease, the rider sum assured will be reduced
accordingly. In addition, the claim on other covered events will still be allowed, subject to the balance amount of the rider sum
assured.
If a valid claim event occurs before age 5 years next birthday, a child lien shall apply.
Duration of cover: 74 year(s) or upon termination, whichever occurs first.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges.

· The insurance charges are deducted monthly from the value of your units.
· The insurance charges are not guaranteed and will depend on the attained age next birthday, gender, smoker status and
occupation classification (where applicable), at each policy anniversary. Details of insurance charges are given in the sales
illustrations and/or policy contract.
· The insurance charges for this rider are subject to Goods and Services Tax ("GST"), the sum of which will be recovered from
you.
· The insurance charges given in the Sales Illustration table are inclusive of GST.
· Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will
refund you the insurance charges that have been deducted less any medical fee incurred.
· Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges.
· Waiting period – the eligibility for covered event coverage will start only 30 days or 60 days (depending on the type of covered
event) after the effective date or reinstatement date of this rider, whichever is the later.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider.
6. What are the major exclusions under this rider?

· Any pre-existing conditions.
· Covered event resulting from self-inflicted injuries, while sane or insane.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
7. Can I cancel my rider?

You may cancel your rider by giving a written notice to the Company.
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 to ensure all correspondences reach you in a timely
manner.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Fax : +603 4259 8000

LOH CHEE CHUEN / 6512931 / U100 / V00 / 0112 Page 14 of 38

IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND
UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR
MORE INFORMATION.

Notes: Please read this Product Disclosure Sheet before you decide to take up Smart Early Payout CriticalCare. Be sure to also read
the general terms and conditions.
Name of Product : Smart Early Payout CriticalCare
Date : 24/05/2018
__________________________________________________________________________________________________________

Smart Early Payout CriticalCare is a unit deduction rider that pays multiple claims across different covered event or across
severity levels within the same covered event, subject to the fulfillment of the pre-defined conditions. This rider is attachable to
selected regular premium investment-linked insurance plans and must be attached together with Critical Illness Benefit Rider / IL
Critical Illness Benefit Rider. The sum assured of this rider must be the same as the sum assured of Critical Illness Benefit Rider /
IL Critical Illness Benefit Rider. This rider will accelerate the sum assured of the Critical Illness Benefit Rider / IL Critical Illness
Benefit Rider, which in turn will also accelerate the sum assured of the basic plan.

The sum assured for this rider is RM 200,000. Upon occurrence of any of the covered event, a percentage of the sum assured
(depending on the severity level of the covered event as stated below) will be payable, subject to terms and conditions. Upon
payment of any benefits under this rider, the sum assured of the basic plan and Critical Illness Benefit Rider / IL Critical Illness
Benefit Rider will be reduced accordingly. The aggregate claims admitted under this rider shall not exceed the sum assured for
this rider.
No Covered Event Severity 10 Severity 25 Severity 50

Covered Event with 1 Severity Level
10% of Sum Assured,
Coronary Artery Disease Requiring Surgery
up to maximum of
1 (Angioplasty and other invasive treatments for coronary - -
RM25,000 per Life
artery disease)**
Assured
2 Benign Brain Tumour* 25% of Sum Assured,
3 Heart Valve Surgery* up to maximum of
- -
RM50,000 per Life
4 Surgery To Aorta* Assured
5 Kidney Failure*
6 Major Head Trauma*
7 Major Burns* 25% of Sum Assured
- -
8 Major Organ Transplant* per Life Assured
9 Paralysis / Paraplegia*
10 Parkinson's Disease*
Covered Event for 2 Severity Levels
25% of Sum Assured, 50% of Sum Assured,
up to maximum of up to maximum of
11 Cancer*** -
RM50,000 per Life RM100,000 per Life
Assured Assured
12 Blindness*
13 Chronic Liver Disease* 25% of Sum Assured,
up to maximum of 50% of Sum Assured
14 Heart Attack** -
RM50,000 per Life per Life Assured
15 Loss Of Hearing / Deafness* Assured
16 Other Serious Coronary Artery Disease**
17 Chronic Lung Disease*
18 Coma* 25% of Sum Assured 50% of Sum Assured
-
19 Primary Pulmonary Arterial Hypertension* per Life Assured per Life Assured
20 Stroke*
*Subject to the waiting period of 30 days.

**Subject to the waiting period of 60 days.
***Subject to the waiting period of 120 days.
If a valid claim event occurs before age 5 years next birthday, a child lien shall apply.

Duration of cover: 45 year(s) or upon termination, whichever occurs first.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges.

· The insurance charges are deducted monthly from the value of your units.
· The insurance charges are non-guaranteed and vary by attained age next birthday, gender, smoker status and health
condition (where applicable) at each policy anniversary. Details of insurance charges are given in the sales illustrations and/or
policy contract.
· The insurance charges for this rider are subject to Goods and Services Tax ("GST"), the sum of which will be recovered from
you.
· The insurance charges given in the Sales Illustration table are inclusive of GST.
· Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will
reinstate the units that have been deducted for the payment of insurance charges less any medical fee incurred.
· Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges.
· Waiting period - the eligibility for covered event benefit will start only 30 days and 60 days, depending on the type of covered
event (except for Cancer with Severity 25 and Severity 50 where 120 days shall apply), from the effective date or
reinstatement date of this rider, whichever is the later.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider.
6. What are the major exclusions under this rider?

· Pre-existing illness
· Any covered event which commenced, occurred or diagnosed during the respective waiting period, from the Risk Effective
Date or from the date of any reinstatement of this rider or the policy, whichever is the latest.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
7. Can I cancel my rider?

You may cancel your rider by giving a written notice to the Company.
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 to ensure all correspondences reach you in a timely
manner.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Fax : +603 4259 8000

IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND
UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR
MORE INFORMATION.

Service Guide
Our Company offers life insurance products through our agency force, bank partners, etc. If you
intend to purchase a life insurance product from our agents, you can enjoy these value-added
services.
What Services can you expect from our Agent?
BEFORE YOU BUY A POLICY
Deal only with registered agents

You can check the status of the agent via the Life Insurance Association of Malaysia’s
! (LIAM) website or via Short Message Service (SMS).
Visit http://www.liam.org.my/index.php/customer-zone/know-your-agent for more details.
Assist you in Choosing the Right Insurance Plan
Go through with you the Customer Fact Find form to understand your insurance needs and
financial goals.
Recommend suitable insurance plan after assessing your needs.
Explain Product Features
Explain the product features, benefits payable, exclusions, premiums and charges.
Provide Product Disclosure Sheet to assist you in making informed decision and to facilitate
product comparison.
WHEN YOU DECIDE TO BUY A POLICY
Assist you with the Policy Application
Explain the importance of answering the questions in the proposal form fully and accurately.
Submit your application for underwriting after you have signed the proposal form.
Arrange for medical examination with one of our panel clinics, if required.
Provide information on making a nomination to ensure policy moneys are received by your
beneficiaries in the event of death.
Explain the Policy Terms and Conditions
Your policy document will be delivered to you (by hand or via post) within 28 days
Go through the policy terms and conditions with you to ensure that this is the right plan that you
have purchased.

DURING THE TERM OF THE POLICY
Continuous Policy Servicing
Assist in renewal of policy.

Provide continuous service e.g. policy modifications, change of address and frequency of
premium payments. In the event that the agent is no longer with the Company, we shall appoint
a new agent to service your policy.
Assist you in making a Claim
Guide you through the standard procedures on how to file an insurance claim.
Customer Portal
Please visit our Customer Portal at https://econnect-my.greateasternlife.com/eConnect2/jsp/login/login.jsp for
online access to your policy information.
Note: If you are not satisfied with the services of our agent, or required additional support
from our Company, you may contact us at 1-300-1-300-88.

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
MS ABBY
Jenis Pelan
SmartProtect Essential Insurance 2
DISEDIAKAN OLEH : LOH CHEE CHUEN (6512931)

TARIKH DISEDIAKAN : 24/05/2018

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : +603 4259 8888 Faks : +603 4259 8000
Tarikh: 24/05/2018 (GELSIS-5.65B) Disediakan oleh : LOH CHEE CHUEN
Sebut Harga untuk : 0281 SmartProtect Essential Insurance 2 Jantina : Perempuan
Jenis Pelan : Pelan Insurans Berkaitan Pelaburan dengan Premium Tetap Merokok : Tidak
Nama Pelanggan : MS ABBY Umur Hari Jadi : 25
Berikut
Kelas Pekerjaan :2
Jenis Premium : Bulanan
Manfaat yang Disediakan: Amaun: Manfaat yang Disediakan: Amaun:

Manfaat Kematian Manfaat Penyakit Wanita
Jumlah sekali gus (semua sebab) RM 300,000 termasuk Manfaat Wanita Tidak Berkenaan
Jumlah Asurans
Tambahan termasuk
Jumlah Nilai
Pelaburan
Manfaat Hilang Upaya Total dan Kekal Manfaat Kehamilan & Neonatal / Tidak Berkenaan
(TPD) Perlindungan Bayi
Jumlah sekali gus RM 300,000 termasuk Manfaat Perubatan (1) - Tidak Berkenaan
Jumlah Asurans
Tambahan, tertakluk
kepada maksimum
RM10,000,000
Pendapatan Tidak Berkenaan Had Bilik & Hidangan (R&B) Tidak Berkenaan
Manfaat Kejadian yang Dilindungi Penambahan kepada Had Bilik & Tidak Berkenaan
Hidangan Hospital pada akhir setiap 3
tahun polisi
Pembayaran peringkat awal dalam Sehingga RM 200,000 Pembayaran balik Perubatan:
jumlah sekali gus
Jumlah sekali gus RM 200,000 I) Manfaat Hospital dan Pembedahan Tidak Berkenaan
Manfaat Kemalangan II) Manfaat Rawatan Pesakit Luar Tidak Berkenaan
Kematian akibat Kemalangan Tidak Berkenaan Pembayaran balik sehingga:
Kematian akibat Kemalangan Tidak Berkenaan I) Had Tahunan Keseluruhan Tidak Berkenaan
(pengangkutan awam) Permulaan
TPD akibat Kemalangan Tidak Berkenaan II) Had Seumur Hidup Keseluruhan Tidak Berkenaan
Hilang Upaya akibat Kemalangan Tidak Berkenaan Penambahan kepada Had Tahunan Tidak Berkenaan
Keseluruhan Permulaan pada akhir
setiap 3 tahun polisi
Pembayaran balik Perubatan Tidak Berkenaan Had Tahunan Keseluruhan Tidak Berkenaan
Kemalangan
Pendapatan akibat Kemalangan: Manfaat Perubatan (2) - Tidak Berkenaan
I) Hilang Upaya Total yang Sementara Tidak Berkenaan Amaun Deduktibel (bagi setiap tahun Tidak Berkenaan
polisi)
II) Hilang Upaya Separa yang Tidak Berkenaan Had Bilik & Hidangan (R&B) Tidak Berkenaan
Sementara
III) Dimasukkan ke Hospital Kerajaan Tidak Berkenaan Pembayaran balik Perubatan:
Elaun Ihsan Tidak Berkenaan I) Manfaat Hospital dan Pembedahan Tidak Berkenaan
Insentif Pembaharuan Tidak Berkenaan II) Manfaat Rawatan Pesakit Luar Tidak Berkenaan
Manfaat Pendapatan Kemasukan Pembayaran balik sehingga:
Hospital
Kemasukan di Wad Biasa Tidak Berkenaan I) Had Tahunan Keseluruhan Tidak Berkenaan
Kemasukan di Unit Rawatan Rapi Tidak Berkenaan II) Had Seumur Hidup Keseluruhan Tidak Berkenaan
Dimasukkan ke Hospital Kerajaan Tidak Berkenaan Manfaat Pembayar
(semua sebab)
Manfaat Kematian / Manfaat TPD Tidak Berkenaan
Manfaat Kejadian yang Dilindungi Tidak Berkenaan
Manfaat Pengenepian
Manfaat TPD Tidak Berkenaan
Manfaat Kejadian yang Dilindungi Tidak Berkenaan
Nota: Sila rujuk kontrak polisi, ilustrasi jualan dan Risalah Pemberitahuan Produk bagi maklumat yang lebih lanjut berkenaan
manfaat pelan asas dan rider yang dipilih.

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, Tempoh Amaun Premium Mortaliti Beban (RM Premium Premium
jika ada (Tahun) Manfaat (RM) Tahunan (RM) Tambahan (%) Bagi Setiap Tambahan Bulanan (RM)
1,000) (RM)
0281 Premium Tahunan
Asas#
Premium Insurans 74 300,000 3,600.00 0% 0.00 0.00 300.00
Rider dengan penolakan

unit
U100 IL CIBR 74 200,000 0.00 0% 0.00 0.00 0.00
U86 SEPCC 45 200,000 0.00 0% 0.00 0.00 0.00
Jumlah (RM) 3,600.00 0.00 300.00
# 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.

Strategi Pelaburan yang Dipilih : 7 Profil Pelaburan Pilihan Sendiri ^
Tempoh Pelaburan : 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 #

Dana Unit yang Dipilih Y% X%
Tahun Polisi 1-20 Tahun Polisi 21-30 Tahun Polisi 1-30
F1 Dana Lion Balanced 8% 5.50% 3%
F4 Dana Lion Fixed Income 7% 5.00% 4%
F5 Dana Lion Progressive 8% 5.50% 3%
F6 Dana Sejati 7% 5.00% 4%
F9 Dana Lion Strategic 8% 5.50% 3%
F17 Dana Lion Enhanced Equity 9% 6.00% 2%
F18 Dana Gemilang 9% 6.00% 2%
Tahun Polisi Dana Unit yang Dipilih

Dari Hingga F1 F4 F5 F6 F9 F17 F18
1 74 100%
Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%
Tahun Polisi Unjuran Pulangan Pelaburan Kasar Berwajaran #

Dari Hingga Y% X%
1 20 8.00 3.00
21 30 5.50 3.00
^Sila rujuk Nota Penting untuk profil pelaburan anda.
#Sebelum potongan untuk cukai dan caj pengurusan dana.

Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
Tidak Dijamin RIDER

Akhir Umur Jumlah Premium Unjuran Pulangan Pelaburan Bersih bagi Unjuran Pulangan Pelaburan Bersih bagi IL CIBR SEPCC
Tahun pada yang Dibayar Dana: Y%# Dana: X%#
Polisi Akhir
Tahun
Polisi
Nilai Tunai Manfaat Kematian Nilai Tunai Manfaat Kematian
1 26 3,600.00 951 300,951 928 300,928 200,000 200,000
2 27 7,200.00 1,952 304,952 1,863 304,863 200,000 200,000
3 28 10,800.00 4,234 310,234 4,002 310,002 200,000 200,000
4 29 14,400.00 6,655 315,655 6,173 315,173 200,000 200,000
5 30 18,000.00 9,552 321,552 8,696 320,696 200,000 200,000
6 31 21,600.00 12,611 327,611 11,242 326,242 200,000 200,000
7 32 25,200.00 16,414 334,414 14,370 332,370 200,000 200,000
8 33 28,800.00 20,444 341,444 17,537 338,537 200,000 200,000
9 34 32,400.00 24,708 348,708 20,739 344,739 200,000 200,000
10 35 36,000.00 29,219 356,219 23,974 350,974 200,000 200,000
11 36 39,600.00 33,982 363,982 27,232 357,232 200,000 200,000
12 37 43,200.00 39,013 372,013 30,512 363,512 200,000 200,000
13 38 46,800.00 44,333 380,333 33,820 369,820 200,000 200,000
14 39 50,400.00 49,958 388,958 37,155 376,155 200,000 200,000
15 40 54,000.00 55,898 397,898 40,505 382,505 200,000 200,000
16 41 57,600.00 62,131 407,131 43,833 388,833 200,000 200,000
17 42 61,200.00 68,682 416,682 47,142 395,142 200,000 200,000
18 43 64,800.00 75,555 426,555 50,416 401,416 200,000 200,000
19 44 68,400.00 82,737 436,737 53,624 407,624 200,000 200,000
20 45 72,000.00 90,251 447,251 56,766 413,766 200,000 200,000
21 46 75,600.00 96,001 456,001 59,825 419,825 200,000 200,000
22 47 79,200.00 101,831 464,831 62,787 425,787 200,000 200,000
23 48 82,800.00 107,717 473,717 65,623 431,623 200,000 200,000
24 49 86,400.00 113,643 482,643 68,312 437,312 200,000 200,000
25 50 90,000.00 119,602 491,602 70,843 442,843 200,000 200,000
26 51 93,600.00 125,576 500,576 73,195 448,195 200,000 200,000
27 52 97,200.00 131,548 509,548 75,345 453,345 200,000 200,000
28 53 100,800.00 137,508 518,508 77,283 458,283 200,000 200,000
29 54 104,400.00 143,401 527,401 78,950 462,950 200,000 200,000
30 55 108,000.00 149,243 536,243 80,359 467,359 200,000 200,000
# 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
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.
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.

Ilustrasi Anggaran Manfaat di bawah andaian unjuran pulangan pelaburan bersih X% dan Y%#
Tidak Dijamin
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) = (D)+(E)+(J) (L)
3
Akhir Umur Premium Premium yang Premium Jumlah Jumlah Caj Insurans Yuran Polisi Caj Pengurusan Dana Nilai Tunai Bersih Manfaat Kematian Kos Agihan
Tahun pada yang Diperuntukkan
Polisi Akhir Dibayar Tidak Asurans Asurans Keseluruhan
1 2 2 4
Tahun Diperuntukkan Asas Tambahan
Polisi
3
Pelan Asas Rider(s) Y% X% Y% X% Y% X%
1 26 3,600.00 2,052.00 1,548.00 300,000 0 341.76 209.88 76.32 4 4 951 928 300,951 300,928 1,440.00
2 27 3,600.00 2,052.00 1,548.00 300,000 3,000 341.76 220.44 76.32 13 14 1,952 1,863 304,952 304,863 1,440.00
3 28 3,600.00 864.00 2,736.00 300,000 6,000 341.76 231.12 76.32 29 29 4,234 4,002 310,234 310,002 900.00
4 29 3,600.00 864.00 2,736.00 300,000 9,000 341.76 237.36 76.32 51 50 6,655 6,173 315,655 315,173 900.00
5 30 3,600.00 540.00 3,060.00 300,000 12,000 341.76 250.20 76.32 76 73 9,552 8,696 321,552 320,696 540.00
6 31 3,600.00 540.00 3,060.00 300,000 15,000 341.76 271.44 76.32 104 98 12,611 11,242 327,611 326,242 540.00
7 32 3,600.00 0.00 3,600.00 300,000 18,000 341.76 279.84 76.32 137 126 16,414 14,370 334,414 332,370 0.00
8 33 3,600.00 0.00 3,600.00 300,000 21,000 341.76 294.60 76.32 173 157 20,444 17,537 341,444 338,537 0.00
9 34 3,600.00 0.00 3,600.00 300,000 24,000 341.76 315.84 76.32 212 188 24,708 20,739 348,708 344,739 0.00
10 35 3,600.00 0.00 3,600.00 300,000 27,000 341.76 339.12 76.32 253 219 29,219 23,974 356,219 350,974 0.00
11 36 3,600.00 0.00 3,600.00 300,000 30,000 341.76 373.20 76.32 297 251 33,982 27,232 363,982 357,232 0.00
12 37 3,600.00 0.00 3,600.00 300,000 33,000 341.76 407.04 76.32 343 283 39,013 30,512 372,013 363,512 0.00
13 38 3,600.00 0.00 3,600.00 300,000 36,000 341.76 436.80 76.32 391 315 44,333 33,820 380,333 369,820 0.00
14 39 3,600.00 0.00 3,600.00 300,000 39,000 341.76 468.48 76.32 443 348 49,958 37,155 388,958 376,155 0.00
15 40 3,600.00 0.00 3,600.00 300,000 42,000 341.76 510.96 76.32 497 381 55,898 40,505 397,898 382,505 0.00
16 41 3,600.00 0.00 3,600.00 300,000 45,000 369.72 563.88 76.32 554 413 62,131 43,833 407,131 388,833 0.00
17 42 3,600.00 0.00 3,600.00 300,000 48,000 395.28 614.88 76.32 614 446 68,682 47,142 416,682 395,142 0.00
18 43 3,600.00 0.00 3,600.00 300,000 51,000 425.88 676.32 76.32 677 478 75,555 50,416 426,555 401,416 0.00
19 44 3,600.00 0.00 3,600.00 300,000 54,000 461.52 763.20 76.32 743 510 82,737 53,624 436,737 407,624 0.00
20 45 3,600.00 0.00 3,600.00 300,000 57,000 504.96 841.56 76.32 812 541 90,251 56,766 447,251 413,766 0.00
21 46 3,600.00 0.00 3,600.00 300,000 60,000 555.96 926.52 76.32 893 571 96,001 59,825 456,001 419,825 0.00
22 47 3,600.00 0.00 3,600.00 300,000 63,000 619.68 1,013.40 76.32 948 600 101,831 62,787 464,831 425,787 0.00
23 48 3,600.00 0.00 3,600.00 300,000 66,000 696.12 1,113.00 76.32 1,004 629 107,717 65,623 473,717 431,623 0.00
24 49 3,600.00 0.00 3,600.00 300,000 69,000 785.40 1,218.96 76.32 1,061 656 113,643 68,312 482,643 437,312 0.00
25 50 3,600.00 0.00 3,600.00 300,000 72,000 882.36 1,325.04 76.32 1,118 681 119,602 70,843 491,602 442,843 0.00
26 51 3,600.00 0.00 3,600.00 300,000 75,000 989.40 1,439.52 76.32 1,175 705 125,576 73,195 500,576 448,195 0.00
27 52 3,600.00 0.00 3,600.00 300,000 78,000 1,109.28 1,560.24 76.32 1,232 727 131,548 75,345 509,548 453,345 0.00
28 53 3,600.00 0.00 3,600.00 300,000 81,000 1,234.20 1,683.36 76.32 1,289 747 137,508 77,283 518,508 458,283 0.00
29 54 3,600.00 0.00 3,600.00 300,000 84,000 1,369.32 1,850.76 76.32 1,346 764 143,401 78,950 527,401 462,950 0.00
30 55 3,600.00 0.00 3,600.00 300,000 87,000 1,519.80 1,984.32 76.32 1,402 779 149,243 80,359 536,243 467,359 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 agihan keseluruhan dan perbelanjaan oleh Syarikat.
2. Jumlah Asurans Asas dan Jumlah Asurans Tambahan adalah dijamin akan dibayar dengan syarat polisi berkuat kuasa dan pembayaran tertakluk kepada terma dan syarat polisi.
3. Yuran polisi dan caj insurans bagi rider yang ditunjukkan di atas, mana berkenaan, adalah termasuk Cukai Barang dan Perkhidmatan ("CBP"). Sila rujuk huraian rider bagi rider yang tertakluk kepada CBP.
4. Kos agihan keseluruhan adalah amaun yang diterima pengantara untuk jualan polisi ini dan perkhidmatan yang diberi pengantara bagi tempoh polisi anda. Amaun ini dibayar daripada caj yang dikenakan ke atas polisi
anda. Amaun ini juga termasuk amaun yang mungkin berhak diterima pengantara bagi tempoh polisi anda, dengan syarat mereka memenuhi kriteria kelayakan yang ditetapkan Syarikat.
NOTA: -
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. 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.
8.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
9.Semua angka dalam RM. (R&KT)
10. Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.

** NOTA PENTING
MAKLUMAT AM
· Maklumat yang ditunjukkan di bawah membentuk sebahagian daripada Ilustrasi Jualan anda.
· Great Eastern Life Assurance (Malaysia) Bhd ("Syarikat") percaya bahawa adalah penting bagi anda untuk menyedari
sepenuhnya semua manfaat di bawah polisi ini dan memahami bagaimana kos perlindungan insurans, pengagihan,
pentadbiran, pelaburan dan kos lain mempengaruhi manfaat ini.
· Anda sepatutnya berpuas hati bahawa pelan ini dapat memenuhi keperluan anda dan anda mampu membayar premium yang
dikenakan. Jika anda memerlukan penjelasan, sila hubungi kami atau ejen anda.
· Membeli polisi insurans hayat dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk
memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi.
· Maklumat yang dinyatakan di bawah menerangkan perkara tertentu yang dinyatakan dalam Ilustrasi Jualan.
UNJURAN KADAR PULANGAN PELABURAN

· Pulangan X% dan Y% telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Dana Unit pilihan anda,
seperti ditunjukkan dalam muka surat terdahulu.
· Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan
bawah yang mungkin berlaku. Pulangan yang diilustrasikan telah digunakan untuk menunjukkan kemungkinan julat pulangan
berdasarkan Strategi Pelaburan dan Tempoh Pelaburan anda.
· Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar
serta ia bergantung kepada prestasi yang mendasari aset Dana Unit. Manfaat sebenar yang dibayar bergantung kepada
prestasi sebenar yang mendasari aset Dana Unit dan pulangan sebenar yang diisytiharkan pada masa depan mungkin
berkurangan atau melebihi nilai yang diilustrasikan.
· Risiko pelaburan di bawah polisi ini ditanggung oleh pemilik polisi semata-mata. Pemilik polisi mestilah sedia maklum bahawa
harga unit mungkin turun atau naik.
· Pulangan pelaburan tahunan sebenar yang lepas untuk dana berbanding dengan indeks tanda aras yang dipilih adalah
ditunjukkan di bawah:
Pulangan Pelaburan Sebenar
Dana Unit 2012 2013 2014 2015 2016
F1 Dana Lion Balanced 8.52% 22.03% 2.84% 7.53% 0.07%
F4 Dana Lion Fixed Income 5.39% 3.23% 4.40% 5.67% 5.95%
F5 Dana Lion Progressive 10.64% 14.86% -9.91% 1.33% -1.83%
F6 Dana Sejati^^ 6.44% 3.19% 4.37% 5.72% 6.96%
F9 Dana Lion Strategic 9.28% 14.77% -3.66% 1.30% 1.01%
F17 Dana Lion Enhanced Equity 14.11% 29.16% -6.64% 6.12% -0.33%
F18 Dana Gemilang 13.14% 27.77% -4.70% 10.30% -3.95%
^^ dahulunya dikenali sebagai Dana Mauzuun Bond.
Pulangan Tanda Aras
Dana Unit Tanda Aras 2012 2013 2014 2015 2016
F1 Dana Lion Balanced Tanda Aras 6.41% 7.33% -1.48% 0.32% 0.44%
Berwajaran
F4 Dana Lion Fixed Income FD 12 bulan 3.21% 3.20% 3.26% 3.35% 3.28%
F5 Dana Lion Progressive FBM 100 9.60% 11.39% -6.17% -2.89% -2.45%
F6 Dana Sejati^^ Deposit 3.21% 3.21% 3.21% 3.21% 3.13%
Mudharabah 12
Bulan
F9 Dana Lion Strategic Tanda Aras 6.41% 7.33% -1.48% 0.32% 0.44%
Berwajaran
F17 Dana Lion Enhanced FBM 100 9.60% 11.39% -6.17% -2.89% -2.45%
Equity
F18 Dana Gemilang FBM Shariah 11.85% 13.29% -4.17% 2.35% -6.14%
iaitu
FBM 100 : FTSE Bursa Malaysia 100 Index
FBM Shariah : FTSE Bursa Malaysia Emas Shariah Index
FD 12 bulan : Tanda Aras Simpanan Tetap 12 Bulan
Deposit Mudharabah 12 Bulan : Deposit Mudharabah 12 Bulan
Tanda Aras Berwajaran : Indeks purata berwajaran 50:50 antara FBM 100 dan kadar simpanan tetap 12 bulan
· Sila ambil perhatian bahawa tiada pulangan tahunan sebenar Dana Unit dapat dinyatakan untuk tahun sebelumnya bagi dana
yang baru.
· Pulangan pelaburan sebenar yang ditunjukkan di atas adalah mengikut kadar bersih (setelah ditolak cukai dan caj) dan tidak
mengambil kira sebarang bida/tawaran, jika ada atau sebarang caj yang mungkin dikenakan.
· Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza.
· Sila ambil perhatian bahawa kadar pulangan yang dirujuk di atas dikira berdasarkan pelaburan dalam Dana Unit tertentu dan
bukan berdasarkan premium yang telah dibayar di bawah polisi ini.

Penerangan Objektif Dana
F1 Dana Lion Balanced Dana yang melabur dalam campuran ekuiti (julat di antara 40% hingga 60%) dan sekuriti pendapatan
tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka
panjang, pada tahap mudah ubah sederhana.
F4 Dana Lion Fixed Dana yang melabur dalam sekuriti pendapatan tetap seperti bon kerajaan dan korporat serta dalam
Income bentuk tunai dan setara dengan tunai. Dana ini bertujuan untuk menyediakan pulangan yang
konsisten pada tahap mudah ubah rendah. Walaupun sebahagian besar pelaburan dana dijalankan di
Malaysia (40% hingga 100%), sebahagiannya mungkin dilaburkan dalam sekuriti pendapatan tetap
asing (sehingga 50%), bagi meningkatkan pulangan dana.
F5 Dana Lion Dana yang melabur dalam campuran ekuiti (julat di antara 50% hingga 90%) dan sekuriti pendapatan
Progressive tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka
panjang, pada tahap mudah ubah sederhana hingga tinggi.
F6 Dana Sejati Dana yang melabur dalam sekuriti pendapatan tetap yang diluluskan Syariah, contohnya sukuk
kerajaan dan korporat serta dilaburkan dalam kertas/deposit pasaran mata wang Islam. Dana ini
bertujuan untuk menyediakan pulangan yang konsisten pada tahap mudah ubah rendah. Walaupun
sebahagian besar pelaburan dana dijalankan di Malaysia (40% hingga 100%), sebahagiannya
mungkin dilaburkan dalam sekuriti pendapatan tetap asing yang diluluskan Syariah (sehingga 50%),
bagi meningkatkan pulangan dana.
F9 Dana Lion Strategic Dana yang melabur dalam campuran ekuiti, sekuriti pendapatan tetap dan instrumen pasaran wang.
Terdapat fleksibiliti dalam peruntukan aset memandangkan dana ini boleh melabur secara tunggal
dalam sekuriti pendapatan tetap atau ekuiti. Dana ini bertujuan untuk menyediakan kenaikan nilai
modal jangka pertengahan hingga jangka panjang, dengan tahap mudah ubah sederhana.
F17 Dana Lion Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam
Enhanced Equity jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan
hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50%
hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong
Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana.
F18 Dana Gemilang Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam
jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan
hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50%
hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong
Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. Dana ini hanya
melabur dalam sekuriti yang mematuhi Syariah.
Pilihan Dana Unit haruslah berdasarkan toleransi anda terhadap risiko. Sila dapatkan nasihat daripada ejen anda ataupun kami
berkenaan dengan toleransi anda terhadap risiko.
PREMIUM YANG DIBAYAR

· Ia merupakan amaun yang dibayar oleh anda (pemilik polisi) bagi polisi ini. Sila ambil perhatian bahawa bukan semua amaun
yang dibayar akan dilaburkan dalam Dana Unit pilihan anda. Sila baca penerangan berkenaan premium yang diperuntukkan dan
premium yang tidak diperuntukkan di bawah.
PREMIUM YANG TIDAK DIPERUNTUKKAN

· Caj bagi premium yang tidak diperuntukkan adalah caj yang dikenakan terlebih dahulu ke atas premium yang dibayar dan
digunakan untuk membayar perbelanjaan oleh penanggung insurans serta kos agihan keseluruhan, termasuk komisen yang
dibayar kepada ejen.
PREMIUM YANG DIPERUNTUKKAN

· Ini merupakan amaun yang akan digunakan untuk membeli unit pada Nilai Aset Bersih (NAV) dalam Dana Unit pilihan anda.
· Nilai Aset Bersih (NAV) : NAV ialah harga tunggal apabila pemilik polisi membeli unit dalam Dana Unit dan menjual kembali unit
tersebut ke dalam Dana Unit.
· NAV bagi setiap Dana Unit ditentukan setiap hari selepas penilaian aset bagi Dana Unit. Kadar peruntukan bagi Premium
Tahunan Asas adalah seperti berikut (suatu % daripada premium):-
Tahun Polisi 1 2 3 4 5 6 7&
berikutnya
Premium Insurans 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00 3,600.00
Premium yang (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00%
Diperuntukkan (RM) 1,548.00 1,548.00 2,736.00 2,736.00 3,060.00 3,060.00 3,600.00
. Kadar peruntukan premium bagi Penambahan Premium Tunggal ialah 95% bagi premium yang dibayar untuk sepanjang tahun.
JUMLAH ASURANS ASAS

· Ini adalah amaun minimum yang akan diterima sekiranya berlaku kematian atau menjadi hilang upaya.
· Pemilik polisi boleh meningkatkan jumlah asurans asas tanpa menambah premium tetap, tertakluk kepada terma dan syarat
yang ditentukan oleh Syarikat pada masa itu.
CAJ
· Caj-caj ini ditolak daripada Dana Unit anda.
· Caj insurans dan caj lain yang diilustrasikan adalah berdasarkan kadar semasa. Ia tidak dijamin dan mungkin disemak semula
dari semasa ke semasa dengan memberi notis 3 bulan kepada pemilik polisi. Bagi pelan / rider Insurans Perubatan dan
Kesihatan, notis 30 hari akan diberi jika terdapat kenaikan caj.
· Caj insurans ditolak secara bulanan daripada nilai unit anda untuk membayar perlindungan insurans. Caj insurans bagi
perlindungan insurans berbeza mengikut umur hari jadi berikut yang dicapai, jantina, kelas pekerjaan, kadaran perubatan dan
status merokok, mana yang berkenaan. Caj insurans akan meningkat seiring dengan peningkatan umur.
· Bergantung kepada Jumlah Asurans Asas, Caj Insurans bagi Pelan Asas akan diberi diskaun seperti berikut:
a) Bagi Jumlah Asurans Asas dari RM100,000 hingga RM249,999, anda akan menikmati diskaun 10% ke atas Caj Insurans bagi
Pelan Asas;

b) Bagi Jumlah Asurans Asas dari RM250,000 hingga RM499,999, anda akan menikmati diskaun 15% ke atas Caj Insurans bagi
Pelan Asas;
c) Bagi Jumlah Asurans Asas dari RM500,000 dan ke atas, anda akan menikmati diskaun 20% ke atas Caj Insurans bagi Pelan
Asas.
Nota: Diskaun di atas tidak diberi ke atas Caj Insurans tambahan yang dikenakan disebabkan Kemortalan Tambahan dan/atau
Beban bagi Pelan Asas.
· Caj Lain: -
Dalam ilustrasi ini, caj berikut telah diandaikan:-
(a) Yuran Polisi : Caj pentadbiran sebanyak RM6.36 akan ditolak setiap bulan daripada Dana Unit. Yuran
polisi tertakluk kepada CBP, iaitu jumlah yang perlu dibayar oleh anda.
(b) Caj Pengurusan Dana : Ia merujuk kepada bayaran pengurusan tahunan (% daripada Dana Unit) yang ditolak bagi
menampung kos menguruskan Dana Unit.
Dana Unit Caj Pengurusan Dana (setahun)
F1 Dana Lion Balanced 1.00%
F4 Dana Lion Fixed Income 0.50%
F5 Dana Lion Progressive 1.35%
F6 Dana Sejati 0.50%
F9 Dana Lion Strategic 1.25%
F17 Dana Lion Enhanced Equity 1.50%
F18 Dana Gemilang 1.50%
NILAI TUNAI
· Ini merupakan unjuran nilai unit pada sebarang masa tertentu yang mungkin diterima jika anda menyerahkan polisi selepas
ditolak cukai dan caj yang berkenaan.
· Jika polisi ditamatkan lebih awal, anda mungkin akan mendapat jumlah premium yang berkurangan daripada jumlah premium
yang telah dibayar.
· Pelan ini TIDAK menawarkan sebarang nilai serahan atau manfaat matang minimum yang dijamin dan tertakluk kepada
Jaminan Tidak Luput, polisi ini mungkin luput lebih awal bergantung kepada pulangan pelaburan dan caj sebenar.
· Syarikat berhak menangguhkan penerbitan atau penebusan unit, dalam keadaan yang dianggap luar biasa.
MANFAAT KEMATIAN
· Ini adalah amaun yang akan dibayar sekiranya berlaku kematian.
· Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya hayat yang diasuranskan meninggal dunia,
perkara berikut akan dibayar sebagai Manfaat Kematian:
(i) Jumlah Asurans Asas; termasuk
(ii) Jumlah Asurans Tambahan; termasuk
(iii) jumlah nilai Dana Unit, jika ada, yang dikira mengikut NAV pada tarikh penilaian yang berikutnya.
· Bagi orang yang dilindungi di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan dikenakan bagi Jumlah Asurans
Asas dan Jumlah Asurans Tambahan seperti berikut:-
Umur Hari Jadi Berikut pada Ulang Tahun Polisi 1 2 3 4
Peratusan (%) Jumlah Asurans Asas dan Jumlah Asurans 20% 40% 60% 80%
Tambahan
Perlindungan penuh akan diberi dari umur 5 tahun hari jadi berikutnya dan ke atas.
MANFAAT HILANG UPAYA TOTAL DAN KEKAL (TPD)

· Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya Hilang Upaya Total dan Kekal berlaku
sebelum ulang tahun polisi apabila hayat yang diasuranskan mencapai umur 70 tahun hari jadi berikutnya, Syarikat akan
mendahulukan Jumlah Asurans Asas seperti berikut: -
(i) Jumlah Asurans Asas dan Jumlah Asurans Tambahan tidak melebihi RM10,000,000 akan dibayar dalam 3 kali ansuran
tahunan dengan bayaran pertama bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan dibayar dalam satu jumlah sekali
gus atau RM2,000,000, mana yang lebih rendah, dan
(ii) baki Jumlah Asurans Asas dan Jumlah Asurans Tambahan (jika ada) akan dibayar dalam dua kali ansurans tahunan yang
sama nilai.
· Manfaat TPD maksimum yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang sama ialah
RM10,000,000 (tidak termasuk polisi berkelompok).
· Bagi hayat yang diasuranskan di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak seperti yang dikenakan bagi
Manfaat Kematian akan digunakan.
JAMINAN TIDAK LUPUT

. Polisi asas dan rider pilihan yang dilampirkan (jika ada) tidak akan luput dalam masa tiga tahun polisi pertama jika jumlah nilai
pelaburan kurang atau bersamaan dengan sifar pada tarikh penolakan bulanan bagi yuran polisi dan caj insurans, dengan
syarat
(i) semua premium tetap bagi polisi telah dibayar sebelum tarikh penolakan bulanan tersebut pada setiap tarikh premium perlu
dibayar atau semasa Tempoh Tenggang; dan
(ii) tiada sebarang pengeluaran unit sebelum tarikh penolakan bulanan tersebut.
PENGECUALIAN
· Kematian yang berlaku dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras.
· TPD akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Nota: Senarai pengecualian ini hanya berkenaan untuk pelan asas sahaja dan tidak menyeluruh. Sila rujuk kontrak polisi anda
bagi senarai pengecualian di bawah pelan asas, jika ada.
PENERANGAN RIDER
U86 Smart Early Payout CriticalCare (SEPCC)
· Smart Early Payout CriticalCare ialah rider dengan penolakan unit yang membayar tuntutan bagi pelbagai jenis kejadian yang
dilindungi atau pun pelbagai peringkat kejadian yang dilindungi yang sama, tertakluk kepada keadaan yang ditakrifkan. Jumlah
asurans bagi rider ini mestilah setara dengan jumlah asurans bagi Critical Illness Benefit Rider / IL Critical Illness Benefit Rider.
Rider ini akan mengurangkan jumlah asurans Critical Illness Benefit Rider / IL Critical Illness Benefit Rider, yang selanjutnya
turut mengurangkan jumlah asurans bagi pelan asas.
· Caj insurans bagi rider ini tertakluk kepada CBP, iaitu jumlah yang perlu dibayar oleh anda.
U100 IL Critical Illness Benefit Rider (IL CIBR)

· IL Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan apabila salah satu kejadian
yang dilindungi berlaku kepada hayat yang diasuranskan. Rider ini akan mengurangkan jumlah asurans pelan asas, tertakluk
kepada terma dan syarat yang dinyatakan dalam kontrak polisi.
· Caj insurans bagi rider ini tertakluk kepada CBP, iaitu jumlah yang perlu dibayar oleh anda.
Jika terdapat percanggahan antara versi Bahasa Inggeris, Bahasa Malaysia dan Bahasa Cina untuk dokumen ini, versi Bahasa
Inggeris akan digunakan.
Disediakan oleh : LOH CHEE CHUEN

Tarikh : 24/05/2018

ABBY Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartProtect Essential Insurance
2. Pastikan terma dan syarat am telah dibaca.
Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("Syarikat")
Nama Produk : SmartProtect Essential Insurance 2
Tarikh : 24/05/2018
__________________________________________________________________________________________________________
1. Apakah produk ini?

SmartProtect Essential Insurance 2 ialah pelan insurans berkait pelaburan ("ILP") yang menawarkan kombinasi perlindungan
insurans dan pelaburan.
Ia juga didatangkan dengan tambahan 1% jumlah asurans tanpa kos tambahan, yang dibayar semasa kematian atau Hilang
Upaya Total dan Kekal ("TDP") berlaku, tertakluk kepada terma dan syarat yang dinyatakan dalam kontrak polisi.
2. Apakah perlindungan / manfaat yang disediakan?

Jumlah asurans asas bagi pelan ini ialah RM 300,000. Jumlah asurans asas termasuk jumlah asurans tambahan akan dibayar
bagi:
· kematian; atau
· Hilang Upaya Total dan Kekal (TPD) sebelum umur 70 tahun hari jadi berikutnya,
mana yang berlaku dahulu, tertakluk kepada terma dan syarat dalam kontrak polisi. Namun, jika kematian atau TPD berlaku
sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Nilai unit pelaburan (jika ada) akan dibayar berserta jumlah asurans asas bagi kematian.
Pelan ini menawarkan Jaminan Tidak Luput iaitu polisi asas dan rider pilihan yang dilampirkan (jika ada) tidak akan luput dalam
masa tiga tahun polisi pertama jika jumlah nilai pelaburan kurang atau bersamaan dengan sifar pada tarikh penolakan bulanan
bagi yuran polisi dan caj insurans, dengan syarat
· semua premium tetap bagi polisi telah dibayar sebelum tarikh penolakan bulanan tersebut pada setiap tarikh premium perlu
dibayar atau semasa Tempoh Tenggang; dan
· tiada sebarang pengeluaran unit sebelum tarikh penolakan bulanan tersebut.
Nilai ILP bergantung kepada harga yang mendasari unit, mengikut prestasi dana pilihan anda. Dana pilihan anda dinyatakan
dalam ilustrasi jualan.
Peringatan: Sila baca ilustrasi jualan kerana ia memberi penerangan berkenaan manfaat produk dan objektif dana unit. Pemilihan
pelan atau kombinasi dana yang sesuai dengan matlamat kewangan dan profil risiko anda adalah amat penting.
3. Berapakah premium yang saya perlu bayar?

· Anggaran premium yang anda perlu bayar bagi pelan ini ialah: RM300.00 Bulanan
Nota:
(a) Premium yang anda perlu bayar dan terma polisi mungkin berbeza mengikut keperluan pengunderaitan Syarikat.
(b) Syarikat memperuntukkan sebahagian premium untuk membeli unit dalam dana unit yang anda pilih. Sebarang premium
yang tidak diperuntukkan akan digunakan untuk membayar komisen kepada ejen dan perbelanjaan lain oleh Syarikat. Anda
dinasihatkan untuk merujuk kadar peruntukan dan huraian lain yang dinyatakan dalam ilustrasi jualan.
4. Apakah yuran dan caj yang saya perlu bayar?

· Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans akan meningkat mengikut umur anda.
· Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan status merokok pada
setiap ulang tahun polisi. Huraian caj insurans dan caj lain bagi ILP dinyatakan dalam ilustrasi jualan.
· Yuran polisi bagi polisi ini tertakluk kepada Cukai Barang dan Perkhidmatan ("CBP"), iaitu jumlah yang perlu dibayar oleh
anda.
5. Apakah terma dan syarat utama yang saya perlu ketahui?

· Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan
perubatan dan umur dengan betul.
· Tempoh memerhati bebas - anda boleh membatalkan pelan dengan memulangkan polisi insurans dalam tempoh 15 hari
selepas menerimanya. Syarikat akan membayar balik premium yang tidak diperuntukkan, nilai unit yang telah diperuntukkan
(jika ada) mengikut harga unit pada tarikh penilaian yang berikutnya dan sebarang caj insurans serta yuran polisi yang
dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung.
· Nilai tunai - nilai tunai ILP bergantung kepada prestasi dana unit yang dipilih. Lebih tinggi perlindungan insurans yang dipilih,
lebih banyak unit akan digunakan untuk membayar caj insurans dan unit yang tinggal hanya sedikit bagi mengumpul nilai
tunai di bawah pelan anda.
· Tempoh tenggang - anda mempunyai tempoh tenggang selama 30 hari dari setiap tarikh premium berikut perlu dibayar
untuk membayar premium.
· Polisi luput - Tertakluk kepada Jaminan Tidak Luput, ILP akan luput apabila nilai unit pelaburan tidak mencukupi bagi
membayar insurans dan caj lain.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini.
6. Apakah pengecualian utama di bawah pelan ini?

· Keadaan sedia ada.
· Kematian dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras.
· Hilang Upaya Total dan Kekal akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah pelan ini.
7. Bolehkah saya membatalkan pelan ini?

Membeli ILP dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang pelan ini
dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Jika anda dapati dana yang dipilih tidak lagi
bersesuaian, anda mempunyai fleksibiliti untuk menukar dana.
8. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya / penama?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda / penama bagi
memastikan semua surat-menyurat dapat diserahkan kepada anda / penama dengan sepatutnya.
9. Bagaimanakah saya boleh mendapatkan maklumat lanjut?

Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan seperti boleh didapati di
Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di:

(Dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia)
Ibu Pejabat : Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Faks : +603 4259 8000
E-mel : wecare-my@greateasternlife.com
10. Jenis perlindungan lain yang serupa?

Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain
yang serupa.
NOTA PENTING:
INI MERUPAKAN PRODUK INSURANS DENGAN BERLANDASKAN PRESTASI YANG MENDASARI ASET DAN BUKAN SUATU
PRODUK PELABURAN SEBENAR SEPERTI UNIT AMANAH. ANDA MESTILAH MENILAI PILIHAN ANDA DENGAN SEBAIKNYA
DAN BERPUAS HATI BAHAWA PELAN INSURANS BERKAIT PELABURAN YANG DIPILIH MEMENUHI RISIKO DAN ANDA
MAMPU MEMBAYAR PREMIUM SEPANJANG TEMPOH POLISI. BAGI MENINGKATKAN NILAI PELABURAN PADA BILA-BILA
MASA, ANDA DINASIHATKAN UNTUK MEMBAYAR PREMIUM TAMBAHAN SEBAGAI "PENAMBAHAN". PULANGAN KE ATAS
DANA BERKAIT PELABURAN ADALAH TIDAK DIJAMIN. ANDA DIGALAKKAN UNTUK MELANTIK PENAMA DAN MEMASTIKAN
PENAMA ANDA DIMAKLUMKAN BERKENAAN PELAN YANG ANDA BELI. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI
POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI
MENDAPATKAN MAKLUMAT LANJUT.
Jika terdapat percanggahan antara versi Bahasa Inggeris dan Bahasa Malaysia untuk dokumen ini, versi Bahasa Inggeris akan
digunakan.
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 24/05/2018.

Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Critical Illness Benefit Rider.
Pastikan terma dan syarat am telah dibaca.
Nama Produk : IL Critical Illness Benefit Rider
Tarikh : 24/05/2018
__________________________________________________________________________________________________________

IL Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan jika salah satu daripada
kejadian yang dilindungi berlaku. Rider ini akan mengurangkan jumlah asurans pelan asas.

Jumlah asurans bagi rider ini ialah RM200,000. Ia akan dibayar dalam satu jumlah sekali gus apabila salah satu daripada
kejadian yang dilindungi seperti disenaraikan dalam kontrak polisi (kecuali Angioplasti dan rawatan invasif lain untuk penyakit
arteri koronari*, iaitu pembayaran tuntutan tertakluk kepada maksimum RM25,000 bagi setiap hayat atau 10% daripada jumlah
asurans rider, mana yang lebih rendah) berlaku. Semasa tuntutan di bawah rider ini, jumlah asurans asas polisi yang
melampirkan rider ini akan dikurangkan mengikut amaun sama yang dibayar.
*Selepas tuntutan ke atas Angioplasti dan rawatan invasif lain untuk penyakit arteri koronari dibuat, jumlah asurans rider akan
dikurangkan sewajarnya. Sebagai tambahan, tuntutan ke atas kejadian yang dilindungi lain masih dibenarkan, tertakluk kepada
baki amaun jumlah asurans rider.
Jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Tempoh perlindungan: 74 tahun atau sehingga penamatan, mana yang berlaku dahulu.

Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans.

· Caj insurans ditolak secara bulanan daripada nilai unit anda.
· Caj insurans adalah tidak dijamin dan bergantung kepada umur hari jadi berikut yang dicapai, jantina, status merokok dan
klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.
· Caj insurans bagi rider ini tertakluk pada Cukai Barang dan Perkhidmatan ("CBP"), iaitu jumlah yang perlu dibayar oleh anda.
· Caj insurans yang diberi dalam jadual Ilustrasi Jualan adalah termasuk dengan CBP.

· Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
akan menguatkuasakan semula unit yang telah ditolak bagi pembayaran caj insurans setelah menolak sebarang bayaran
perubatan yang ditanggung.
· Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
· Tempoh menunggu - kelayakan untuk perlindungan kejadian yang dilindungi hanya akan bermula 30 hari atau 60 hari
(bergantung kepada jenis kejadian yang dilindungi) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider
ini, mana yang kemudian.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini.
6. Apakah pengecualian utama di bawah rider ini?

· Sebarang keadaan sedia ada.
· Kejadian yang dilindungi akibat kecederaan yang dilakukan sendiri ketika waras atau tidak waras.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
7. Bolehkah saya membatalkan rider ini?

Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
8. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan
semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Faks : +603 4259 8000
10. Jenis perlindungan lain yang serupa?

yang serupa.
NOTA PENTING:
ANDA SEHARUSNYA BERPUAS HATI BAHAWA RIDER INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. ANDA
HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS
MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.
digunakan.

Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan Smart Early Payout CriticalCare.
Pastikan terma dan syarat am telah dibaca.
Nama Produk : Smart Early Payout CriticalCare
Tarikh : 24/05/2018
__________________________________________________________________________________________________________

Smart Early Payout CriticalCare ialah rider dengan penolakan unit yang membayar tuntutan bagi pelbagai jenis kejadian yang
dilindungi mahu pun pelbagai tahap kejadian yang dilindungi yang sama, dengan syarat keadaan yang ditakrifkan terlebih dahulu
telah dipenuhi. Rider ini dilampirkan pada pelan insurans berkait pelaburan dengan premium tetap yang tertentu dan mestilah
dilampirkan berserta Critical Illness Benefit Rider / IL Critical Illness Benefit Rider. Jumlah asurans bagi rider ini mestilah sama
dengan jumlah asurans bagi Critical Illness Benefit Rider / IL Critical Illness Benefit Rider. Rider ini akan mengurangkan jumlah
asurans Critical Illness Benefit Rider / IL Critical Illness Benefit Rider, seterusnya mengurangkan jumlah asurans bagi pelan asas.

Jumlah asurans bagi rider ini ialah RM 200,000. Apabila sebarang kejadian yang dilindungi berlaku, suatu peratusan jumlah
asurans (bergantung kepada tahap kejadian yang dilindungi seperti dinyatakan di bawah) akan dibayar, tertakluk kepada terma
dan syarat. Selepas pembayaran sebarang manfaat di bawah rider ini, jumlah asurans bagi pelan asas dan Critical Illness Benefit
Rider / IL Critical Illness Benefit Rider akan dikurangkan sewajarnya. Agregat tuntutan yang dibenarkan di bawah rider ini tidak
akan melebihi jumlah asurans bagi rider ini.
No Kejadian yang Dilindungi Tahap 10 Tahap 25 Tahap 50

Kejadian yang Dilindungi pada Tahap 1
10% daripada Jumlah
Asurans, sehingga
Penyakit Arteri Koronari yang Memerlukan
maksimum
1 Pembedahan (Angioplasti dan rawatan invasif lain - -
RM25,000 bagi
untuk penyakit arteri koronari)**
setiap Hayat yang
Diasuranskan
2 Tumor Otak Benigna* 25% daripada Jumlah
3 Pembedahan Injap Jantung* Asurans, sehingga
maksimum
- -
RM50,000 bagi
4 Pembedahan Aorta* setiap Hayat yang
Diasuranskan
5 Kegagalan Buah Pinggang*
6 Trauma Kepala yang Teruk*
25% daripada Jumlah
7 Terbakar Teruk* Asurans bagi setiap
- -
8 Pemindahan Organ Utama* Hayat yang
Diasuranskan
9 Lumpuh / Paraplegia*
10 Penyakit Parkinson*
Kejadian yang Dilindungi pada Tahap 2
25% daripada Jumlah 50% daripada Jumlah
Asurans, sehingga Asurans, sehingga
maksimum maksimum
11 Kanser*** -
RM50,000 bagi RM100,000 bagi
setiap Hayat yang setiap Hayat yang
Diasuranskan Diasuranskan
12 Buta* 25% daripada Jumlah
13 Penyakit Hati yang Kronik* Asurans, sehingga 50% daripada Jumlah
maksimum Asurans bagi setiap
14 Serangan Jantung** -
RM50,000 bagi Hayat yang
15 Hilang Pendengaran / Pekak* setiap Hayat yang Diasuranskan
16 Penyakit Arteri Koronari Lain yang Serius** Diasuranskan
17 Penyakit Paru-Paru yang Kronik*

25% daripada Jumlah 50% daripada Jumlah
18 Koma* Asurans bagi setiap Asurans bagi setiap
-
19 Hipertensi Arteri Pulmonari Primer* Hayat yang Hayat yang
Diasuranskan Diasuranskan
20 Strok*
* Tertakluk kepada tempoh menunggu selama 30 hari.

** Tertakluk kepada tempoh menunggu selama 60 hari.
*** Tertakluk kepada tempoh menunggu selama 120 hari.
Jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Tempoh perlindungan: 45 tahun atau sehingga penamatan, mana yang berlaku dahulu.

Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans.

· Caj insurans ditolak secara bulanan daripada nilai unit anda.
· Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan
keadaan kesihatan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.
· Caj insurans bagi rider ini tertakluk pada Cukai Barang dan Perkhidmatan ("CBP"), iaitu jumlah yang perlu dibayar oleh anda.
· Caj insurans yang diberi dalam jadual Ilustrasi Jualan adalah termasuk dengan CBP.

· Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
akan menguatkuasakan semula unit yang telah ditolak bagi pembayaran caj insurans setelah menolak sebarang bayaran
perubatan yang ditanggung.
· Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
· Tempoh menunggu – kelayakan untuk perlindungan kejadian yang dilindungi hanya akan bermula 30 hari dan 60 hari,
bergantung kepada jenis kejadian yang dilindungi (kecuali bagi Kanser dengan Tahap 25 dan Tahap 50 yang mana tempoh
120 hari akan dikenakan), dari tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider ini, mana yang kemudian.
6. Apakah pengecualian utama di bawah rider ini?

· Sakit sedia ada
· Sebarang kejadian yang dilindungi yang dilindungi serta bermula, berlaku atau didiagnosis semasa tempoh menunggu
masing-masing, dari Tarikh Risiko Berkuat Kuasa atau dari sebarang tarikh penguatkuasaan semula rider ini atau polisi,
mana-mana yang kemudian.
7. Bolehkah saya membatalkan rider ini?

Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
8. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan
semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : +603 4259 8888
Faks : +603 4259 8000
10. Jenis perlindungan lain yang serupa

yang serupa.
NOTA PENTING:
ANDA SEHARUSNYA BERPUAS HATI BAHAWA RIDER INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. ANDA
HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS
MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.
digunakan.

Panduan Perkhidmatan
Syarikat kami menawarkan produk insurans hayat melalui tenaga agensi, rakan kongsi bank dan lain-
lain. Jika anda berniat untuk membeli produk insurans hayat yang dipasarkan oleh ejen kami, anda
boleh menikmati perkhidmatan tambah nilai seperti yang dinyatakan.
Apakah Perkhidmatan yang anda boleh harapkan dari Ejen kami?
SEBELUM ANDA MEMBELI POLISI
Berurusan hanya dengan ejen-ejen yang berdaftar

Anda boleh menyemak status ejen melalui laman sesawang Persatuan Insurans Hayat
! Malaysia (LIAM) atau melalui sistem pesanan ringkas (SMS).
Sila layari http://www.liam.org.my/index.php/customer-zone/know-your-agent untuk
maklumat lanjut.
Membantu Anda Memilih Pelan Insurans yang sesuai
Meneliti kandungan Borang Maklumat Pelanggan untuk memahami keperluan insurans dan
matlamat kewangan anda.
Mengesyorkan pelan insurans yang sesuai selepas menilai keperluan anda.
Menerangkan Ciri-Ciri Produk
Menerangkan ciri-ciri produk, manfaat yang dibayar, pengecualian, premium dan caj-caj.
Menyediakan Risalah Pemberitahuan Maklumat, untuk membantu anda dalam membuat
keputusan yang tepat dan memudahkan anda membuat perbandingan produk.
APABILA ANDA MEMBUAT KEPUTUSAN UNTUK MEMBELI POLISI
Membantu anda dalam permohonan polisi
Menerangkan kepentingan menjawab soalan di dalam borang permohonan dengan lengkap

dan tepat.
Menghantar permohonan untuk proses pengunderaitan selepas anda menandatangani
borang permohonan.
Mengatur pemeriksaan perubatan dengan salah sebuah klinik panel kami, jika perlu.
Memaklumkan kepentingan membuat penamaan untuk memastikan wang polisi diterima oleh
penama/ waris sekiranya berlaku kematian.
Menerangkan terma dan syarat polisi
Dokumen polisi akan dihantar kepada anda (dengan tangan atau melalui pos) dalam masa 28
hari.
Menerangkan terma dan syarat polisi kepada anda bagi memastikan pelan yang dibeli
sesuai dengan keperluan anda.

SEMASA TEMPOH POLISI
Perkhidmatan Polisi yang Berterusan
Membantu dalam proses pembaharuan polisi.

Menyediakan perkhidmatan berterusan seperti pengubahsuaian polisi, pertukaran alamat dan
kekerapan pembayaran premium. Jika ejen telah meninggalkan Syarikat, pihak kami akan
melantik ejen baru untuk berkhidmat kepada anda.
Membantu anda dalam membuat Tuntutan
Membimbing anda untuk melalui prosedur standard membuat tuntutan insurans.
Portal Pelanggan
Sila layari portal Pelanggan kami di https://econnect-

my.greateasternlife.com/eConnect2/jsp/login/login.jsp untuk mengakses maklumat polisi anda secara
dalam talian.
Nota: Jika anda tidak berpuas hati dengan perkhidmatan ejen kami, atau memerlukan
sokongan tambahan daripada syarikat kami, anda boleh menghubungi kami di 1-300-1-300-88.

Great Eastern Life Assurance (Malaysia) Berhad: Ms Abby

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

SmartProtect Essential Insurance 2

PRESENTED BY : LOH CHEE CHUEN (6512931)

Benefits Provided: Amount: Benefits Provided: Amount:

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 2 of 38

Unit deduction rider(s)

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 3 of 38

Projected Gross Investment Return #

Policy Year Unit Fund(s) Selected

Weighted Projected Gross Investment Return X% and Y%

Policy Year Weighted Projected Gross Investment Return #

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 4 of 38

Not Guaranteed Rider(s)

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 5 of 38

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 7 of 38

PROJECTED INVESTMENT RATE OF RETURN

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 8 of 38

BASIC SUM ASSURED

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 9 of 38

TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT

U86 Smart Early Payout CriticalCare (SEPCC)

U100 IL Critical Illness Benefit Rider (IL CIBR)

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 10 of 38

Prepared by : LOH CHEE CHUEN

JOHOR BHARU BRANCH / LOH CHEE CHUEN / 6512931 / (GELSIS-5.65B) Page 11 of 38

1. What is this product about?

2. What are the covers / benefits provided?

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this plan?

7. Can I cancel my plan?

LOH CHEE CHUEN / 6512931 / 0281 / V02 / 0111 Page 12 of 38

8. What do I need to do if there are changes to my / my nominee(s) contact details?

9. Where can I get further information?

If you have any enquiries, please contact us at:

10. Other similar types of cover available?

The information provided in this disclosure sheet is valid as at 24/05/2018.

LOH CHEE CHUEN / 6512931 / 0281 / V02 / 0111 Page 13 of 38

1. What is this product about?

2. What are the covers / benefits provided?

Duration of cover: 74 year(s) or upon termination, whichever occurs first.

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this rider?

7. Can I cancel my rider?

8. What do I need to do if there are changes to my contact details?

9. Where can I get further information?

If you have any enquiries, please contact us at:

10. Other similar types of cover available?

LOH CHEE CHUEN / 6512931 / U100 / V00 / 0112 Page 14 of 38

The information provided in this disclosure sheet is valid as at 24/05/2018.

LOH CHEE CHUEN / 6512931 / U100 / V00 / 0112 Page 15 of 38

1. What is this product about?

2. What are the covers / benefits provided?

No Covered Event Severity 10 Severity 25 Severity 50

*Subject to the waiting period of 30 days.

LOH CHEE CHUEN / 6512931 / U86 / V01 / 0112 Page 16 of 38

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this rider?

7. Can I cancel my rider?

8. What do I need to do if there are changes to my contact details?