Your life goals evolve over time. Choose a policy built for change.
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
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.
Mr. Lim's profile:
Mr. Lim is 40 years old. He is married with a 9-year-old kid and is a non-smoker.
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.
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.
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.
At policy maturity, you will receive the higher of:
- Your Basic Policy Account Value (BPAV) and Maturity Booster; or
- 100% of your total premiums paid
If there is any unpaid premium and overdue premium interest upon maturity, only Basic Policy Account Value shall be payable in one lump sum.
Maturity Booster is based on your policy term. The total value of Maturity Booster payable is up to the value of total premiums paid.
|% of Basic Policy Account Value (BPAV)
|10 -14 years
|15 -24 years
|25 -34 years
|35 - 40 years
Choose to attach any of these 3 optional riders to your policy.
UL Critical Illness (CI)
|UL Payer Benefit Rider
|UL Term Rider
|Takes care of the future premiums of your basic plan and riders should any of the 35 covered critical illnesses occur to the Life Assured.
|Takes care of the future premiums of your basic plan and riders in the event of Death or Total and Permanent Disability (TPD) of the Payer.
|Provides additional lump sum payout upon Death or TPD of the Life Assured.
No-Lapse Guarantee (NLG)
Ensures that your policy will not lapse even when the account value drops to zero, provided all regular premiums and overdue premium interest (if any) are paid up to date.
During NLG period, all benefits under the basic policy will be payable.
The accumulated unpaid policy fees and insurance charges will be deducted in the event of the following occurrence:
- When the premium is paid;
- Upon partial or full surrender of BPAV; or
- From any benefit or claim proceeds payable under this policy.
NLG is not applicable to riders attachable to the policy.