AXA Create. Investment-linked LIVE WITH COMPLETE PROTECTION LOVE WITH LASTING LEGACY. 148mm x 210mm
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1 148mm x 210mm Investment-linked AXA Create LIVE WITH COMPLETE PROTECTION LOVE WITH LASTING LEGACY 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.
2 Benefits & Features AXA Create provides you with a high sum insured coverage up to age Furthermore, this product comes with benefits in the event of accident, high non-medical limit and your choice of premium payment term and premium amount. Give your family the future they deserves. Provide them with the protection they need. Share with them the legacy that you created. High Coverage Up To Age Death coverage up to age 100 with high sum insured and affordable premiums Additional Protection Against Accident 1 Additional 100% Sum Insured payable should death or TPD due to accident occurs before age 70 TPD Up To Age 70 1 Enjoy a healthy and active lifestyle. Be protected should unforeseen disability occurs Investment Options Selection of 4 funds Provides you with the opportunity to grow your wealth with a variety of funds Unlimited Free Fund Switches Manage your money the way you want 1 You may need to top-up your premium along the way for continuous coverage.
3 Protecting & Enhancing Choice of Premium Payment Terms Select from premium terms of 4, 6, 8 and 10 years to match your different financial needs and commitments True Legacy Do not leave the well being of your family to chance. Ensure financial protection for them and lessen your burden at the same time Flexible To Your Needs Adaptable to your changing needs with options such as regular top-up premium, partial withdrawal and choice of additional supplementary benefits Less Hassle Sign Up With a high non-medical limit of up to RM1.5m, enjoy easy and quick sign-up with no health check required 2 Creating Wealth Creating Protection Creating Legacy 2 Depending on the age and health condition of the Insured.
4 frequently asked questions How do I make a claim? Call us at from Monday to Thursday between 8.30 am and 5.30 pm and Friday between 8.30 am and 5.00 pm (except public holidays). We will make things as easy as possible for you. Who can be insured under this product? Anyone aged between 15 days and 70 years old. How long do I need to pay the premiums for? Premiums are payable for 4 years, 6 years, 8 years or 10 years. You can pay your premiums monthly, quarterly, half-yearly or yearly. Your insurance charge (which is not guaranteed and deducted from the account value) will increase as you get older. It is possible that the account value may be insufficient to pay for the insurance charge and service charge in later years due to circumstances such as poor fund returns or withdrawals causing your policy to lapse before attaining the age of 100. In such event you may need to top up your premium to ensure continuous coverage. How do I track the fund performance? Unit prices are published daily in major newspapers and on our official website at What are the fees 3 involved? Service Charge RM6 per month is applied to the basic plan. Insurance Charge Fund Switching Partial Withdrawal Basic plan insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge varies according to the attained age, sex, smoking status, occupation and medical rating. The insurance charges will increase as you grow older. No charge for fund switching transactions. No charge for partial withdrawal transactions. The minimum amount to withdraw is RM1,000 and the account balance must be at least RM1,000. Fund Management Fees Active Bond Fund 1.00% p.a. (inclusive of GST) Active Balanced Fund 1.25% p.a. Dana Imbang % p.a. Asia Pacific Growth Fund 1.50% p.a. 3 These fees are not guaranteed and may be varied from time to time. We will notify you in writing not less than 90 days or such shorter period as agreed with the regulator for any change of the fees or imposing new fees. All fees and charges will be subjected to Goods and Services Tax (GST). 4 Dana Imbang aims to provide a steady income and capital growth over the medium to long-term period by investing in Shariah-approved securities. The investment-linked insurance plan itself is not a Shariah-compliant product.
5 frequently asked questions What are the optional benefits that can be added to this product? You may further enhance the protection of your policy with the following supplementary benefit. While additional insurance charges will be required for the supplementary benefits, the peace of mind that come with it is priceless. Life & CI Parent Premium Payor (unit-deducting rider) CI Premium Payor (unit-deducting rider) Life & CI Parent Premium Payor Rider will contribute future basic regular premiums (excluding regular or lump sum top-up premium) until age 23 of the child or termination of the premium term of the basic plan, whichever is earlier, upon death or diagnosis of a critical illness of the parent. CI Premium Payor Rider will contribute future basic regular premiums (excluding regular or lump sum top-up premium) up to the premium term of the basic plan upon your diagnosis of a critical illness.
6 important notes We believe it is important that you fully appreciate and understand all the benefits and charges under your plan. 1. This insurance plan is underwritten by AXA AFFIN Life Insurance Berhad ( W), a company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. 2. AXA Create is an investment-linked product that offers a combination of insurance protection and investment. It pays lump sum death benefit i.e. higher of the Basic Sum Insured less partial withdrawal made for the last 12 months, or the Account Value at the time of claim. The minimum sum insured allowed is RM500, Policy benefits will fluctuate based on the performance of your chosen funds. The investment risks under this plan will be borne solely by you. 4. You should ask for and study the sales illustration for this plan, paying particular attention to non-guaranteed benefits. 5. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. 6. Buying a regular premium life policy is a long term commitment and it is not advisable to hold your policy for a short period of time in view of the high initial costs. If you surrender your policy in the early years, you may get back less than the amount you have paid in. 7. You are given 31 days of grace period after the due date to make your premium payment. If you did not pay your premium at the end of the grace period, your account value (if any) will be deducted for any insurance and service charges of the policy. If the account value is not enough for the deduction, then your policy will lapse. 8. If you are not completely satisfied with the policy, you may cancel your policy by returning the policy within 15 days from the date your received this policy. We will then refund the unallocated premiums, value of units that have been allocated (if any) at next valuation date and any insurance and service charges that have been deducted less any medical expenses incurred. 9. In the event of non-payment of the premium, premium holiday will be applied to your basic policy and unit-deducting rider where only the applicable relevant charges will be deducted from the account value. Premium holiday will continue as long as the account value in your policy is sufficient to pay for the relevant charges and you should consider the possibility of your policy lapsing when the required charges exceed your account value. 10. This insurance plan does not cover: a. Suicide within 1 year from the issue date or any date of reinstatement of this policy, whichever is later. b. TPD resulting from intentional self-inflicted injury; any act due to war, declared or not; or military, naval or air service for any country at war, declared or not; or any pre-existing, or recurring, injury or disablement which the Insured suffered prior to issue date or any date of reinstatement of this policy, whichever is later; or participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest.
7 important notes c. For accidental death and TPD benefit: i. Any self-inflicted injury or suicide, while sane or insane; ii. Disease or infection of any kind (unless the bacterial infections occur in connection with or as a consequence of accidental bodily injury); iii. Taking poison, drugs not prescribed by Medical Practitioner, alcohol, sedatives, or inhaling gas (except from hazard incidental to occupation); iv. The attempt or commission of assault or unlawful act by the Insured; v. Any act due to war, declared or not, military, naval or air service for any country at war, declared or not; vi. Travel or flight in any aircraft, except as a fare-paying passenger on a public licensed air service; vii. Pregnancy, childbirth, miscarriage or any of their consequences; viii. Pre-existing physical or mental defect or infirmity; ix. Any act due to riot and civil commotion; x. Any pre-existing, or recurring, injury or disablement which the Insured suffered prior to issue date or any date of reinstatement of this policy, whichever is later; or xi. Participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest. d. For critical illness related benefit of riders: i. Any pre-existing illness prior to the rider s issue date or any date of reinstatement of the rider, whichever is later; ii. If the Insured/Owner is diagnosed with any critical illness within 30 days following the rider s issue date or any date of reinstatement of the rider, whichever is later, except for (iii) as set out below; iii. If the Insured/Owner is diagnosed with Heart Attack, Coronary Artery Disease Requiring Surgery, Serious Coronary Artery Disease, or Cancer within 60 days following the rider s issue date or any date of reinstatement of the rider, whichever is later; iv. If the critical illness is caused by or related to any Human Immuno-deficiency Virus (HIV) including Acquired Immuned Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof, other than HIV Infection Due To Blood Transfusion; or v. if the Insured is diagnosed with any critical illness arising directly or indirectly out of or in connection with any congenital condition which manifested itself before the Insured s 6th birthday. (applicable to juvenile policies only) Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan. 11. This brochure contains only general information about the product and does not in any way represent a policy. For a detailed description of the terms and conditions and exclusions of the product please refer to the product disclose sheet, sales illustration and official policy issued by AXA AFFIN Life Insurance Berhad.
8 Ciri-Ciri dan Manfaat AXA Create memberikan perlindungan dengan jumlah diinsuranskan tinggi sehingga usia 100 tahun 1. Tambahan lagi, produk ini disediakan dengan manfaat sekiranya berlaku kemalangan kemalangan, had tiada perubatan tinggi serta tempoh dan jumlah pembayaran premium mengikut keperluan. Bina masa depan lebih cerah bagi keluarga anda yang selayaknya diterima mereka. Beri mereka perlindungan yang diperlukan. Wariskan harta pusaka yang anda bina kepada mereka yang tersayang. Perlindungan Tinggi Sehingga Usia 100 tahun 1 Perlindungan kematian sehingga usia 100 tahun dengan jumlah diinsuranskan tinggi dan premium termampu. Perlindungan Tambahan Terhadap Kemalangan 1 Tambahan 100% Jumlah Diinsuranskan akan dibayar sekiranya berlaku kematian akibat kemalangan atau TPD sebelum usia 70 tahun. TPD sehingga usia 70 tahun 1 Nikmati gaya hidup aktif dan sihat. Perlindungan terhadap kehilangan upaya yang tidak diduga. 1 Anda mungkin perlu menambah nilai premium untuk perlindungan berterusan. Pilihan Pelaburan PIlihan 4 dana Memberi anda peluang untuk menambah kekayaan menerusi pelbagai pilihan dana Pertukaran Dana Percuma Tidak Terhad Uruskan wang anda dengan cara yang anda mahu.
9 Melindungi & Menambah Pilihan Tempoh Pembayaran Premium Pilih daripada tempoh premium 4, 6, 8 dan 10 tahun untuk memenuhi keperluan dan komitmen kewangan berbeza anda. Warisan Sebenar Kebajikan dan nasib keluarga anda harus dibela sentiasa. Beri mereka jaminan kewangan di samping meringankan beban kewangan anda. Fleksibel Untuk Memenuhi Keperluan Anda Boleh disesuaikan untuk memenuhi keperluan anda yang berubah, dengan pilihan seperti premium tambahan secara berkala, pengeluaran sebahagian dan pilihan manfaat tambahan. Pendaftaran Mudah Dengan had tiada perubatan tinggi sehingga RM1.5 juta, nikmati pendaftaran mudah dan pantas, tanpa pemeriksaan perubatan 2 Membina Kekayaan Membina Perlindungan Membina Warisan 2 Bergantung kepada usia dan kesihatan Orang Diinsuranskan.
10 soalan yang sering ditanya Bagaimana cara membuat tuntutan? Hubungi kami di dari Isnin hingga Khamis antara 8:30 pagi hingga 5:30 petang dan Jumaat antara 8:30 pagi hingga 5:00 petang (kecuali cuti am). Kami akan sebaik mungkin memudahkan proses anda. Siapakah yang boleh diinsuranskan di bawah produk ini? Sesiapa yang berumur antara 15 hari dan 70 tahun. Berapa lama saya perlu membayar premium? Premium perlu dibayar selama 4 tahun, 6 tahun, 8 tahun atau 10 tahun. Anda boleh membayar premium secara bulanan, setiap suku tahun, setiap separuh tahun atau tahunan. Caj insurans anda (yang tidak dijamin dan dipotong daripada nilai akaun) akan meningkat seiring usia anda. Nilai akaun mungkin tidak mencukupi untuk membayar caj insurans dan caj perkhidmatan pada tahun-tahun kemudian disebabkan keadaan seperti pulangan dana yang kurang baik atau pengeluaran dana yang menyebabkan polisi anda luput sebelum mencapai usia 100 tahun. Dalam keadaan sedemikian, anda mungkin perlu menambah nilai premium anda untuk memastikan perlindungan berterusan. Bagaimanakah saya boleh mengikuti prestasi dana? Harga-harga unit disiarkan setiap hari di akhbar-akhbar utama dan di laman web rasmi kami di Apakah yuran 3 yang perlu dibayar? Caj Perkhidmatan RM6 sebulan untuk pelan asas. Caj Insurans Penukaran Dana Pengeluaran Separa Caj insurans pelan asas ditolak setiap bulan daripada nilai unit-unit anda untuk membayar perlindungan insurans anda. Caj insurans berbeza menurut umur tercapai, jantina, pekerjaan dan kadar perubatan. Caj insurans akan bertambah apabila usia semakin meningkat. Tiada caj untuk transaksi penukaran dana. Tiada caj untuk transaksi pengeluaran separa. Jumlah minimum untuk pengeluaran adalah RM1,000 dan baki akaun mesti berjumlah sekurang-kurangnya RM1,000. Yuran Pengurusan Dana Active Bond Fund 1.00% p.a. (termasuk GST) Active Balanced Fund 1.25% p.a. Dana Imbang % p.a. Asia Pacific Growth Fund 1.50% p.a. 3 Yuran-yuran ini tidak terjamin dan mungkin berubah dari masa ke masa. Kami akan memberitahu anda secara bertulis tidak kurang dari 90 hari atau tempoh yang lebih singkat sebagaimana dipersetujui oleh Regulator tentang sebarang perubahan yuran atau pengenalan yuran baru. Semua yuran dan caj adalah tertakluk kepada Cukai Barang dan Perkhidmatan (GST). 4 Dana Imbang bertujuan untuk memperoleh pulangan yang konsisten dan pertumbuhan modal sepanjang jangka sederhana ke jangka panjang dengan melabur dalam sekuriti yang diluluskan oleh Syariah. Pelan berkaitan-pelaburan tersebut dengan sendirinya tidak membentuk produk mematuhi Syariah.
11 soalan yang sering ditanya Apakah pilihan manfaat yang boleh ditambah dalam produk ini? Anda boleh menambah baik perlindungan polisi dengan manfaat tambahan berikut. Meskipun caj insurans lebih diperlukan untuk manfaat tambahan itu, ketenangan minda yang dinikmati adalah tidak ternilai. Life & CI Parent Premium Payor (rider unit-penolakan) CI Premium Payor (rider unit-penolakan) Life & CI Parent Premium Payor Rider akan menyumbangkan premium asas berkala masa depan (kecuali premium berkala atau tambah nilai sekaligus) sehingga kanak-kanak itu berumur 23 atau tamat tempoh premium pelan asas, yang mana lebih awal, sekiranya ibu atau bapa mengalami kematian atau didiagnosis penyakit kritikal. CI Premium Payor Rider akan menyumbangkan premium asas berkala masa depan (kecuali premium berkala atau tambah nilai sekaligus) sehingga tempoh premium pelan asas sekiranya anda didiagnosis dengan penyakit kritikal sebelum akhir tempoh polisi.
12 nota penting Kami percaya bahawa adalah penting untuk anda menyedari dan memahami manfaat dan caj di bawah pelan anda. sepenuhnya kesemua 1. Pelan insurans ini diunderait oleh AXA AFFIN Life Insurance Berhad ( W), syarikat berlesen di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank Negara Malaysia. 2. AXA Create ialah sejenis produk berkaitan pelaburan yang menawarkan gabungan perlindungan insurans dan pelaburan. Ia membayar manfaat kematian sekali gus, iaitu Jumlah Diinsuranskan ditolak pengeluaran separa yang dibuat dalam tempoh 12 bulan lepas, atau Nilai Akaun pada masa tuntutan, yang mana lebih tinggi. Jumlah diinsuranskan minimum yang dibenarkan ialah RM500, Manfaat polisi akan berubah berdasarkan prestasi dana pilihan anda. Risiko pelaburan di bawah pelan ini akan ditanggung sepenuhnya oleh anda. 4. Anda harus mendapatkan dan mengkaji ilustrasi jualan untuk pelan ini, dengan memberi perhatian khusus kepada manfaat yang tidak dijamin. 5. Anda harus memastikan bahawa pelan ini memenuhi keperluan anda dan anda mampu membayar premiumnya. 6. Membeli polisi hayat premium berkala memerlukan komitmen jangka panjang dan anda tidak digalakkan memegang polisi untuk tempoh yang singkat memandangkan kos permulaannya adalah tinggi. Jika anda menyerahkan polisi ini sebelum ia matang, anda mungkin memperolehi jumlah yang lebih kurang daripada jumlah yang telah dibayar. 7. Anda diberi tempoh penangguhan 31 hari selepas tarikh akhir bagi membuat bayaran premium anda. Jika anda gagal membayar premium anda selepas tempoh penangguhan ini dan nilai akaun anda (jika ada) akan ditolak bagi mana-mana insurans dan caj perkhidmatan polisi. Jika nilai akaun tidak mencukupi untuk membayar premium tunggakan atau keberhutangan, maka polisi anda akan luput. 8. Jika anda tidak berpuas hati dengan polisi ini, anda boleh membatalkan polisi anda dengan memulangkan polisi dalam masa 15 hari dari tarikh polisi ini diserahkan kepada anda. Kami akan memulangkan premium yang tidak diperuntukkan, nilai unit yang telah diperuntukkan (jika ada) pada tarikh penilaian akan datang dan apa-apa caj insurans dan perkhidmatan yang telah ditolak kurang dari mana-mana perbelanjaan perubatan yang ditanggung. 9. Sekiranya anda tidak membayar premium, cuti premium akan digunakan untuk polisi asas anda dan rider unit-penolakan di mana hanya caj berkaitan yang dikenakan akan ditolak daripada nilai akaun. Cuti Premium akan berterusan selagi nilai akaun dalam polisi anda adalah mencukupi untuk membayar caj yang berkaitan dan anda harus mempertimbangkan tentang kemungkinan luputnya polisi anda apabila caj yang dikenakan melebihi nilai akaun anda. 10. Pelan insurans ini tidak melindungi: a. Bunuh diri dalam tempoh 1 tahun dari tarikh polisi atau sebarang tarikh pengembalian semula bagi polisi ini, yang mana lebih lewat. b. TPD akibat kecederaan yang dilakukan sendiri dengan sengaja; sebarang tindakan akibat perang, diisytiharkan atau tidak; atau tentera, perkhidmatan tentera laut atau udara untuk mana-mana negara yang berperang, diisytiharkan atau tidak; mana-mana yang sedia ada, atau berulang-ulang, kecederaan atau hilang upaya di mana Orang Diinsuranskan mengalaminya sebelum tarikh dikeluarkan atau tarikh pengembalian semula bagi polisi ini, yang mana kemudian; penyertaan dalam aktiviti berbahaya seperti tinju, bermain ski, gusti, menyelam, moutaineering, rappelling, berakit, menembak pesat, sebarang bentuk perlumbaan selain daripada menggunakan kaki, atau mana-mana pertandingan kelajuan atau ketahanan.
13 nota penting c. Manfaat untuk kematian dan TPD: i. Mana-mana kecederaan diri sendiri yang disengajakan atau bunuh diri, ketika waras atau tidak waras; ii. Penyakit atau jangkitan dalam apa jua bentuk (kecuali jangkitan bakteria berlaku berkaitan dengan atau akibat kecederaan badan akibat kemalangan); iii. Mengambil racun, dadah yang tidak dipreskripsikan oleh Pengamal Perubatan, alkohol, sedatif, atau gas terhidu (kecuali dari bahaya yang berkaitan dengan pekerjaan); iv. Percubaan atau komisen daripada serangan dan bertindak menyalahi undang-undang oleh Orang Diinsuranskan; v. Mana-mana perbuatan kerana perang, diisytiharkan atau tidak, tentera, perkhidmatan tentera laut atau udara untuk mana-mana negara yang berperang, diisytiharkan atau tidak; vi. Penerbangan atau menaiki apa-apa pesawat, kecuali sebagai penumpang yang membayar tambang di perkhidmatan awam udara yang dilesenkan. vii. Kehamilan, melahirkan anak, keguguran atau mana-mana akibat daripadanya; viii. Kecacatan fizikal atau mental sedia ada atau hilang upaya; ix. Mana-mana perbuatan akibat daripada Rusuhan dan Kekecohan Awam; x. Mana-mana yang sedia ada, atau berulang-ulang, kecederaan atau hilang upaya yang Orang Diinsuranskan mengalaminya sebelum Tarikh Dikeuarkan atau Tarikh Pengembalian Semula, yang mana kemudian; atau xi. Penyertaan dalam aktiviti berbahaya seperti tinju, bermain ski, gusti, menyelam, mendaki gunung, rappelling, berakit, menembak pesat, sebarang bentuk perlumbaan selain daripada menggunakan kaki, atau mana-mana pertandingan kelajuan atau ketahanan. d. Manfaat untuk penyakit kritikal yang berkaitan rider: i. Mana-mana penyakit yang sedia ada sebelum tarikh dikeluarkan rider atau tarikh pengembalian semula rider (jika ada), yang mana kemudian. ii. Jika orang yang diinsuranskan / pemunya didiagnosis menghidap penyakit kritikal dalam tempoh 30 hari selepas tarikh dikeluarkan rider atau tarikh pengembalian semula rider ini, yang mana kemudian, kecuali (iii) seperti yang dinyatakan di bawah; iii. Jika orang yang diinsuranskan / pemunya didiagnosis dengan Serangan Jantung, Penyakit Arteri Koronari yang memerlukan Pembedahan, Penyakit Arteri Koronari Serius, atau Kanser dalam tempoh 60 hari selepas tarikh dikeluarkan rider atau tarikh pengembalian semula rider ini (jika ada), yang mana kemudian; iv. Jika penyakit kritikal disebabkan oleh atau berkaitan dengan mana-mana Virus Kurang Daya Tahan Penyakit (HIV) termasuk Sindrom Kurang Daya Tahan Melawan Penyakit (AIDS) dan / atau mana-mana mutasi, pelbagai atau variasi daripadanya, selain daripada Jangkitan HIV Akibat Transfusi Darah; atau v. Jika orang yang diinsuranskan didiagnosis sebarang penyakit kritikal yang timbul secara langsung / tidak langsung sama ada berkaitan atau tidak dengan apa-apa syarat kongenital yang dimanifestasikan sebelum hari jadi ke-6 orang yang diinsuranskan selagi rider ini masih berkuat kuasa (untuk polisi juvana sahaja). Nota: Senarai ini adalah tidak lengkap. Sila rujuk kepada kontrak polisi untuk senarai penuh pengecualian di bawah pelan ini. 11. Risalah ini hanya mengandungi maklumat umum mengenai produk dan dalam apa jua cara ianya tidak mewakili polisi. Untuk penerangan terperinci tentang terma-terma dan syarat-syarat dan pengecualian produk sila rujuk kepada lampiran penerangan produk, ilustrasi jualan dan polisi rasmi yang dikeluarkan oleh AXA AFFIN Life Insurance Berhad.
14 AXA Create TPD 100 TPD
15
16 RM1,000 RM1,000 Active Bond Fund 1.00% p.a. Active Balanced Fund 1.25% p.a. Dana Imbang % p.a. Asia Pacific Growth Fund 1.50% p.a Dana Imbang
17 Life & CI Parent Premium Payor CI Premium Payor Life & CI Parent Premium Payor Rider ( ) 23 CI Premium Payor Rider ( )
18 1. AXA AFFIN LIFE INSURANCE BERHAD ( W) AXA Create ( ) a. 1 b.
19 c. (TPD) i. ii. ( ) iii. ( ) iv. v. vi. vii. viii. ix. x. xi. d. i. ii. / 30 ( ) (iii) iii. / 60 ( ) iv. (HIV) (AIDS) / v. 6 ( ) 11. AXA AFFIN
20 Contact us for more information Our comprehensive range of insurance plans to meet your financial needs at every stage of your life: protection medical savings investment-linked Customer Care Centre December 2017 AXA AFFIN Life Insurance Berhad ( W) 8th Floor, Chulan Tower, No. 3 Jalan Conlay, Kuala Lumpur. Member of PIDM AXA AFFIN Life Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by AXA AFFIN Life Insurance Berhad are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from AXA AFFIN Life Insurance Berhad or visit PIDM website ( or call PIDM toll free line ( ).
ValuePac
1 300 88 1616 www.axa.com.my ValuePac AXA AFFIN Life Insurance Berhad (723739W) 8 th Floor, Chulan Tower, No. 3, Jalan Conlay, 50450 Kuala Lumpur Tel: 03 2117 6688 Fax: 03 2117 3698 1 300 88 1616 www.axa.com.my
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