TM Asia Life - i-Intellectual

This is an innovative investment-linked education plan designed for parents who wish to provide the ever more important education fund for their children without losing the flexibility and control on the investment of their hard earned money.

The policyholder has the flexibility of investing in the available investment funds based on his own risk preference and financial situation.

The flexibility for premium payment amount make this plan even more desirable. The premium paid will also entitle the policyholder for income tax relief.
 
This unique education plan even comes with the scholarship award benefit for outstanding results in Malaysia public UPSR, PMR/Unified Examination Certificate(Junior) and SPM/SPVM/Unified Examination Certificate(Senior).

Product Guideline

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Product Name	i-Intellectual
Eligibility	1 month - 15 years
Min/Max Sum Assured	Basic Sum Assured (BSA) as a multiple of Yearly Target Premium (YTP) Entry Age Min Max 1-15 60 No limit but subject to underwriting
Min/Max Term	Coverage up to age 25
Yearly Target Premium (YTP) payable	Premium is payable throughout the term of the policy. The minimum premium payable is based on mode of payment. Mode Min Premium Annual 1,500 Half Yearly 750 Quarterly 375 Monthly 125 No maximum but subject to underwriting.
Plan benefits:
1. Death Benefit	BSA plus Fund value will be payable in one lump sum.
2. TPD Benefit	BSA plus Fund value will be payable in one lump sum, subject to maximum TPD Sum Assured of RM2 million per life and RM1 million per policy. The Life Assured will be covered for Death for the amount in excess of RM1 million. Life Assured below 4 years old will not be covered.
3. Dread Disease Benefit	N/A
4. Scholarship Award	If the Life Assured achieved outstanding results in the Malaysian public UPSR (standard 6), PMR (Form 3)/Unified Examination Certificate (UEC) (Junior) and SPM (Form 5)/SPVM/Unified Examination Certificate (UEC) (Senior) examinations, the scholarship award payable is as follows : i. For annual premium less than RM4,000 :- Grade (Government) Papers Eligible Grade (Non Government) Papers Eligible Minimum Requirement Extra 'A's UPSR 5-8 - - 5A = RM 200 1A = RM 50 PMR 5-8 UEC (Junior) 8 4A = RM 300 1A = RM 75 SPM/SPVM 8-10 UEC (Senior) 6-12 4A = RM 400 1A = RM 100 ii. For annual premium greater or equal to RM4,000 :- Grade (Government) Papers Eligible Grade (Non Government) Papers Eligible Minimum Requirement Extra 'A's UPSR 5-8 - - 5A = RM 400 1A = RM 100 PMR 5-8 UEC (Junior) 8 4A = RM 600 1A = RM 150 SPM/SPVM 8-10 UEC (Senior) 6-12 4A = RM 800 1A = RM 200
5. Total surrender or Partial Withdrawal	Equals to TFV and is not guaranteed.
6. Maturity Benefits	TFV is payable at maturity age of 25.

i-Intellectual is a regular premium investment-linked plan strategically designed to offer the most comprehensive protection and competitive savings for child’s education. With an affordable investment starting from RM125 per month, i-Intellectual matures when the child reaches 25 years old. Besides receiving a lump sum maturity benefit equivalent to the fund value at prevailing unit price; this unique education plan also offers protection against death, total permanent disability and the options to include supplementary riders to enhance protection needs in critical illnesses and medical.

TM Asia Life - Life Protector Excel

Life Protector Excel提供最周全的保障于死亡、终身全然残废、恶性疾病、意外死亡的加倍赔偿及住院利益，并让您享有保费退还。同时，投保人也可以附加医药保险利益以加强其保障。

每个人都需要一个全面的保障计划。最理想的当然是保障能够随着年龄及保障需求的增加而增值。针对这点，TM Asia Life精心设计了Life Protector Excel，以提供递增式的保障于死亡、终身全然残废及36种恶性疾病。其保额每三年将增加8%，因此，投保人在不需缴付额外保费或签购另一项计划下，就能提升保障。”

除了这项独特的递增式保障特点，Life Protector Excel也提供额外100%的意外死亡保障。

若投保人因病或意外住院，Life Protector Excel 将每天提供50令吉的住院津贴，以减轻投保人的财务负担及提供额外现金。投保人可索取高达365天，既相等于高达1万8250令吉的每日住院津贴。

对于希望获得物有所值但又不想减少保障的消费者来说，Life Protector Excel 是一项理想的计划。这项计划让年龄介于17岁至65岁的顾客投保，保单期限最低为6年，保障最高至75岁。


举例，

一名25岁的男性每个月只需缴付少过70令吉，即可投保一份保额达3万令吉，保障长达30年的Life Protector Excel 标准计划。其保额将每三年增加8%，到第28年保额即可达5万1600令吉。投保人可在保单期满时获得80%或约2万令吉的保费退款。

TM Asia Life - Life Protector Excel

This is a non-participating endowment plan with ladder sum assured that provides coverage for  Death, Total and Permanent Disability, Dread Disease, Accidental Death and Hospitalisation.
The insurance coverage will increase by 8% once every 3 years.
The policyholder will also receive a refund of 80% of total basic premium paid when the policy matures.

Eligibility	17 years -65 years
Min/Max Sum Assured	RM20,000 / No limit but subject to underwriting
Min/Max Term	6 years / 75 – Entry Age, in multiple of 3 years
Premium payable	Payable throughout the term of policy
Bonus	N/A
Plan benefits:
1. Death Benefit	In Force Sum Assured will be payable in one lump sum.
2. Accidental Death Benefit	Additional 100% of the In Force Sum Assured will be payable.
3. TPD Benefit	In Force Sum Assured will be payable in one lump sum.
4. Dread Disease Benefit	In Force Sum Assured will be payable in one lump sum.
5. Hospitalisation Benefit	RM50 per day for the confinement to a Government or Licensed Private Hospital.
6. Maturity Benefits	Refund of 80% of the total basic premium paid without interest.