MAXEMPOWER

Your life goals evolve over time. Choose a policy built for change.

Why you will love this

Flexible premium payment term options upon inception from 3 to 20 years

Freedom ro extend your policy term (up to 40 years or age 80 on your next birthday) upon maturity with no additional premium

Who can apply

Anyone between 30 days old (attained age) and 70 years old (next birthday)

Grow your wealth and provide protection against death or Total and Permanent Disability (TPD) for your loved ones, based on your timeline.

FEATURES AND BENEFITS

Maturity Benefit

Receive at least 100% of your total premiums paid at maturity, ensuring that your principal is fully protected.

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Maturity Booster

Enhance your potential returns from the Universal Life Fund with Maturity Booster at the end of your policy term.

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Customisable protection

Customise the level of protection you need with options to attach riders to your policy.

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No-Lapse Guarantee (NLG)

Your policy will not lapse, ensuring that you stay protected regardless of market conditions.

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Mr. Lim's profile:

Mr. Lim is 40 years old. He is married with a 9-year-old kid and is a non-smoker.

Policy details:

He chose MaxEmpower with annual premium of RM10,000 for 5 years to prepare for his son's university education expenses with a policy term of 10 years.

He also opted for UL Critical Illness Waiver Rider* of RM106 for 5 years and has the flexibility to extend the policy for another 30 years (up to age 80 years) to supplement his retirement.

HOW IT WORKS
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*Optional UL Critical Illness Waiver Rider is subject to product availability for policy under medical underwriting only. This is for illustration purposes only and the projected returns are non-guaranteed. Terms and conditions apply.

** Annualised Return for guaranteed benefits only = 0.00% a year

*** Annualised Return for total benefits inclusive of non-guaranteed payments = 0.00% a year

**** Annualised Return for total benefits inclusive of non-guaranteed payments = 0.11% a year

The premiums that you pay contribute to both savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this policy with the effective returns of other investment alternatives. The numbers shown above are based on Total Basic Premium Paid of RM50,000 for the basic plan.

*Optional UL Critical Illness Waiver Rider is subject to product availability for policy under medical underwriting only. This is for illustration purposes only and the projected returns are non-guaranteed. Terms and conditions apply.

** Annualised Return for guaranteed benefits only = 0.00% a year

*** Annualised Return for total benefits inclusive of non-guaranteed payments = 1.43% a year

**** Annualised Return for total benefits inclusive of non-guaranteed payments = 3.35% a year

The premiums that you pay contribute to both savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this policy with the effective returns of other investment alternatives. The numbers shown above are based on Total Basic Premium Paid of RM50,000 for the basic plan.

MORE INFORMATION

Exclusions

The policy will not pay any benefits under the following circumstances:

  • Death during the first (1st) policy year from the risk commentment date or the date of any reinstatement of the policy, whichever is later, as a result of suicide, while same or insane.
  • Total and Permanent Disability caused directly or indirectly by self infected injuries, while sane or insane.
  • Total and Permanent Disability existed prior to the risk commentment date or the date of any reinstatement of the policy, whichever is later.

The exclusions highlighted here are not exhaustive. Full details of exclusions are available in the policy document.


Disclaimer

Terms and conditions apply. You are advised to refer to any OCBC Bank sales staff for the Sale Illustration, Product Disclosure Sheet, brochure adn sample policy contract for details of important features, benefits and exclusions of the plan before purchasing it. This is a life insurance plan underwritten by Great Eastern Life Assurance (Malayisa) Berhad (198201013982/93745-A) and OCBC Bank (Malaysia) Berhad (199401009721/295400-W) is the distributor of this product. This insurance product is not a bank deposit and is not an obligation of or guaranteed pr insured by OCBC Bank (Malaysia) Berhad. Great Eastern Life Assurance (Malaysia) Berhad (198201013982/93745-A) is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

Great Eastern Life Assurance (Malaysia) Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefit(s) payable under the eligible/product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or PIDM website.



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