Dynamic Invest. Why Dynamic Invest?
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- Noel Sharp
- 6 years ago
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2 Dynamic Invest A single premium investment-linked insurance plan that is targeted to meet the current and future investment needs of today s investors. Dynamic Invest is all about getting the maximum returns on your investment. That is why our experienced fund managers only select the best investment asset in the investment markets to be part of the Dynamic Invest portfolio. By choosing Dynamic Invest, you are also getting the support and experience of one of the country s most prestigious financial institutions - you are choosing Maybank. Why Dynamic Invest? Invest with Dynamic Invest for the following dynamic benefits: a) Guaranteed Minimum Life Protection Insurance coverage of up to 125% of the single premium in the event of death and Total and Permanent Disability (TPD). b) Life Insurance for your Whole Life The Life insurance benefits will continue to take effect until the policy anniversary before your 100 th birthday, and subject to sufficiency of account value to sustain the policy. c) Broad Range of Funds You have the opportunity to mix and match your investment portfolio from a selection of 6 Individual Funds or 1 of the 3 Managed Funds to suit your financial needs and risk appetite. d) Flexibility Enjoy the flexibility to switch between funds anytime or top-up after your policy is in force for 1 year to increase your potential investment returns. 2
3 Life Insurance Benefits Death and Total and Permanent Disability (TPD) Benefits A lump sum amount will be paid to you before the policy anniversary of your 100 th birthday for death benefit and your 65 th birthday for your TPD benefit. These benefits are subject to sufficiency of account value to sustain the coverage. Upon death or TPD, the highest of the following will be payable: a) The value of the accumulated units based on the unit price at the valuation immediately after the notification of death or TPD approval date; or b) Initial Sum Insured plus top-up premiums less any withdrawal amount; or c) RM5,000 per policyholder The Initial Sum Insured is dependent on your entry age and health status. Death Benefit Standard health Sub-standard health Sum Insured: 125% of SP (1-55 years old) Sum Insured: 105% of SP (56-70 years old) Sum Insured: 105% of SP (18-55 years old) *SP = Single Premium Invested Top-up Premium There is no additional benefits payable for top-up premium. 3
4 You Get Wider Funds Selection Dynamic Invest offers a broad range of funds to suit your risk profile, investment horizon and objectives. You have the flexibility to switch between or within the funds to suit your changing needs and lifestyle. If you are investment savvy, this plan gives you the free hand to mix and match your own choice of funds to meet your goals through a selection of Individual Funds. Or you can have your investments made easy when you choose our Managed Funds ranging from either Stable Fund, Balanced Fund or Growth Fund. This offers you the flexibility to aim for moderate to fast returns in your investment. Invest dynamically with majority of the funds which are recognised as the top four 1 of their category. 1 Source of data: Bloomberg, major local newspapers; November Management of Funds Features Dynamic Invest allows you to make the necessary adjustments including modifications to the plan based on the timeframe and situational condition: Switching between funds (e.g. from Managed Funds to Individual Funds and vice versa) (e.g. from Stable Fund to Balanced Fund, from Premier Index Fund to Premier Income Fund, etc.) For Managed Funds, allocation into any one fund must be 100%, whereas allocation for Individual Funds can be split into any of the funds, subject to a minimum of 10%. 4
5 Fund Details Managed Funds Managed Funds Details Stable Fund The fund is designed to deliver performance that exceeds the 12-month fixed deposit rate over a 5-year period. It is targeted at individuals seeking a return greater than that from solely investing in bonds or fixed income, but with less volatility than investing solely in either, and believe that the fund manager can outperform the market. Balanced Fund The fund is designed to deliver performance that exceeds the 12-month fixed deposit rate over a 5-year period. It is targeted at individuals seeking a return greater than that from solely investing in bonds or fixed income, but with less volatility than investing solely in either, and believe that the fund manager can outperform the market. Growth Fund The fund is designed to deliver performance that exceeds the FBM KLCI Index over a 5-year period. It is targeted at individuals seeking a return greater than that from solely investing in bonds or fixed income, but with less volatility than investing solely in either, and believe that the fund manager can outperform the market. 5
6 Individual Funds Individual Funds Details Premier Global Equity Fund The fund is designed to deliver performance from investment in global equities that exceeds the MSCI World Index over a 5-year period. It is targeted at individuals who have an appetite for a higher risk investment strategy, from exposure to global equity volatility and movements in foreign exchange rates, with the possibility of higher returns over the longer term. Premier Income Fund The fund is designed to deliver performance that exceeds the 12-month fixed deposit rate over a 5-year period. It is targeted at individuals seeking exposure to returns from bonds, and believe that the fund manager can outperform the market. Premier Index Fund The fund is designed to deliver performance of the FBM Bursa Malaysia KLCI 30 Index. It is targeted at individuals seeking exposure to returns from equities where the fund follows performance in line with the market. Premier Equity Fund The fund is designed to deliver performance that exceeds the performance of the FBM Bursa Malaysia KLCI 100 Index over a 5-year period. It is targeted at individuals seeking exposure to returns from equities, and believe that the fund manager can outperform the market. 6
7 Dana Pendapatan Prima The fund is designed to deliver performance that exceeds the 12-month fixed deposit rate over a 5-year period. It is targeted at individuals seeking exposure to returns from bonds, and believe that the fund manager can outperform the market. Dana Ekuiti Prima The fund is designed to deliver performance that exceeds the FBM Bursa Malaysia EMAS Shariah Index over a 5-year period. It is targeted at individuals seeking exposure to returns from equities, and believe that the fund manager can outperform the market. Note: 1) For more information on the funds, refer to the respective Fund Fact Sheets. 2) For information on the funds unit price, visit Fund Management Charges Managed Funds Current Fund Management Charge Maximum Fund Management Charge (% p.a. of Net Asset Value (NAV)) Stable Fund 1.00% 1.50% Balanced Fund 1.25% 1.50% Growth Fund 1.50% 1.50% 7
8 Individual Funds Premier Global Equity Fund Premier Income Fund Premier Index Fund Premier Equity Fund Dana Pendapatan Prima Dana Ekuiti Prima Current Fund Management Charge Maximum Fund Management Charge (% p.a. of Net Asset Value (NAV)) 1.50% 1.50% 1.00% 1.00% 1.25% 1.50% 1.50% 1.50% 1.00% 1.00% 1.50% 1.50% Note: The Company reserves the right to revise the above mentioned current Fund Management Charges by giving 3 months prior notice but not to exceed the maximum charge stated above under Maximum Fund Management Charge. All the charges are paid by selling off units available in the account every month immediately on the first valuation after the 1 st of the month, regardless of payment mode. It is also subject to sufficient units maintained in the client s account. Product Illustration Assumptions: 1) Policyholder at age 40 next birthday invests single premium of RM1 mil. 2) The initial sum insured is RM1.25 mil (125% of single premium). 3) There is no top-up and withdrawal. Investment allocation Premier Global Equity Fund 15% Premier Index Fund 10% Premier Income Fund 15% Premier Equity Fund 20% Dana Pendapatan Prima 20% Dana Ekuiti Prima 20% 8
9 High Scenario Based on the selection of funds, the high weighted returns of 8.30% is used to represent the range of possible returns. RM5 mil RM4 mil RM3 mil RM1,738, RM2 mil RM1,250, RM1 mil RM2 mil RM1 mil 0 RM1,009, Policy Year 1 41 years old RM3,182, RM1,738, Policy Year years old RM4,636, RM3,182, Policy Year years old Policy Year years old Death & TPD benefit (end of year) Total value of units (end of year) Cash Value (end of year) is based on high scenario of investment return and are invested until maturity Policy Year years old Low Scenario Based on the selection of funds, the low weighted returns of 2.70% is used to represent the range of possible returns. 0 RM1,250, RM1,250, RM1,250, RM961, Policy Year 1 41 years old RM1,066, Policy Year years old RM1,197, Policy Year years old Note for product illustration: 1) The projected investment return shown above are for illustrative purposes only and are not guaranteed. Please refer to sales illustration for more details. 2) For projection of more than 20 years, the weighted median rate of 5.65% is used for high scenario instead of 8.30%. RM4,636, RM1,344, RM1,344, Policy Year years old Death & TPD benefit (end of year) Total value of units (end of year) Cash Value (end of year) is based on low scenario of investment return and is invested until maturity Policy Year years old 9
10 Surrender and Maturity Surrender The cash value of the policy is the account value, which is the value of units for this policy based on the unit price at the next valuation immediately after receipt and approval by the Company of the written request for surrender. Maturity Upon surviving to the maturity date, the account value which is the value of the units based on unit price on maturity date is payable. Charges Items Initial Charge Fund Switching (Minimum RM500 per switch) Partial withdrawal Surrender Charges 5% of Single or Top-up Premium will be deducted upfront (inclusive of 3.75% for commission). Free first 2 switches per policy year. Subsequent switches within the same policy year will be charged at a current rate of RM26.50 (inclusive of 6% Goods & Services Tax (GST)). Partial withdrawal can only be done after the policy is in force for more than 1 year. Minimum amount is RM500 per withdrawal. Minimum balance for each account after withdrawal is 1,000 units. No charges. At A Glance Life Insured Policy Owner Entry Age Minimum attained age of 14 days old Minimum 17 years old (Age Next Birthday) Maximum 70 years old (Age Next Birthday) Maximum age is no limit The relationship between Life Insured and Policy Owner must be spouse or children only. Vesting Age Upon the Life Insured reaching age 17 next birthday, ownership of this policy may be transferred to him or her, after obtaining consent from the policy owner in accordance to the Change of Ownership provision. 10
11 Single Premium Minimum : RM10,000 Maximum : Subject to Underwriting Top-Up Premium Minimum: RM1,000 Note: Single premium and top-up premium must be in multiples of RM1,000. Top-up premium is only allowed after the first Policy Anniversary. Premium Allocation 95% of each single premium and top up premium will be allocated to purchase units in the investment-link fund(s) that you have chosen. Residential Qualification Malaysian, Singaporean or Bruneian: Subject to a simple health declaration via proposal form. Other nationalities: Subject to underwriting guidelines. Major Exclusions This policy shall not cover Death resulting from: Suicide while sane or insane within 12 months from the Policy Issue Date; or AIDS or AIDS related complex or infection by HIV except due to blood transfusion. This policy shall not cover for TPD resulting from: Participation in any criminal or illegal act, strike, riot or civil commotion; Participation in a dangerous or hazardous sport, activity, or aviation (except as a fare-paying passenger or crew member on a regular route operated by a commercial airline); Consumption of alcohol or drugs Intentional self-inflicted injury or attempted suicide while sane or insane. Pre-Existing Condition existed prior to or on the Policy Issue Date. Pre-Existing Condition refers to any health conditions or illnesses for which the Life Insured has received medical treatment, diagnosis, consultation or being prescribed medicine prior to or on the Policy Issue Date. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy. 11
12 Important Notes 1. This plan is an Investment-Linked plan that is tied to the performance of the underlying assets, and it is not a pure investment product such as unit trust or fixed deposit. 2. This brochure should not be construed as a contract or commitment. The information contained in this brochure may be changed without prior notice. 3. You should satisfy yourself that this plan will best serve your needs and the premium prescribed for this plan is an amount you can afford. 4. This policy may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board of Malaysia. 5. The returns from your investment will be based on the actual performance of the fund and is NOT GUARANTEED. Investment risks under the policy will be borne solely by you and the benefits may be less than the total premiums contributed to the investment fund. 6. The Company reserves the right to suspend the issuance or redemption of units in any exceptional circumstances such as possible adverse effect of a general sale of investment in a short period or temporary closure of any relevant Registered Exchanges. 7. The past performance of the fund may not be a reliable guide for future performance. For further information on the fund and fund manager, please refer to the Fund Fact Sheet. 8. Purchasing an Investment-linked plan requires a long-term commitment, as it is not advisable to hold the policy for a short period of time in view of the high initial costs. If you surrender in the early years, you may receive an amount that is less than the amount you have paid. 9. You have the right to cancel this plan by sending written instruction to us within 15 days after you received the policy. Should you choose to cancel within the 15 days, we will then refund the value of units in respect of any premiums invested plus any charges deducted, less medical examination fees incurred. 10. Should you require additional information, please refer to the Insuranceinfo booklet on Investment-linked Insurance, which is available at all our branches or you can obtain a copy from our Personal Financial Advisor (PFA) or visit 12
13 11. All insurance charges, other charges and fees (if applicable) will be subjected to relevant charges or taxes including Goods and Services Tax as deemed necessary by the Malaysia tax authorities. It is important to keep any receipt that you receive as proof of payment of premium. 13
14 14 Call , visit any Maybank branch or log on to for more details or terms and conditions. This plan is underwritten by Etiqa Life Insurance Berhad ( P), a subsidiary of Malayan Banking Berhad (3813-K). Etiqa Life Insurance Berhad is licensed under Financial Services Act 2013 and regulated by Bank Negara Malaysia. Etiqa Life Insurance Berhad is located at Dataran Maybank, No. 1, Jalan Maarof, Kuala Lumpur. This plan is distributed by Malayan Banking Berhad (3813-K) and the headquarters is located at Menara Maybank, 100 Jalan Tun Perak, Kuala Lumpur. Disclaimer: This brochure provides a brief description as a reference and is for creating awareness only. For more details, please refer to our Maybank Sales Representative. 01/18/EVE
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17 Dynamic Invest Dynamic Invest merupakan pelan insurans berkaitan pelaburan dengan premium tunggal yang disasarkan untuk pelabur masa kini bagi memenuhi keperluan pelaburan semasa dan masa depan. Pada keseluruhannya, Dynamic Invest bertujuan untuk mendapatkan pulangan maksimum daripada pelaburan anda. Kerana itulah pengurus dana kami yang berpengalaman hanya memilih aset pelaburan yang terbaik di pasaran pelaburan sebagai sebahagian daripada portfolio pelaburan Dynamic Invest. Dengan memilih Dynamic Invest, anda juga mendapat sokongan dan pengalaman daripada salah satu institusi kewangan yang paling berprestij di negara ini Maybank. Mengapa Dynamic Invest? Melaburlah dengan Dynamic Invest untuk menikmati manfaat dinamik berikut: a) Jaminan Perlindungan Hayat Yang Minimum Perlindungan insurans sehingga 125% daripada premium tunggal sekiranya berlaku Kematian dan Hilang Upaya Menyeluruh dan Kekal (HUMK). b) Insurans Hayat Seumur Hidup Anda Manfaat Insurans Hayat akan terus berkuatkuasa sehingga ulang tahun polisi sebelum ulang tahun ke-100 anda, dan tertakluk kepada kecukupan nilai akaun untuk menampung polisi ini. c) Pilihan Dana Yang Luas Anda berpeluang untuk memilih atau memadankan portfolio pelaburan anda daripada pilihan 6 Dana Individu atau salah satu daripada 3 Dana Terurus untuk disesuaikan dengan keperluan kewangan dan kesanggupan mengambil risiko anda. d) Fleksibiliti Nikmati fleksibiliti untuk menukar diantara dana pada bila-bila masa atau melabur Premium Tambahan selepas polisi anda telah berkuatkuasa selama 1 tahun untuk meningkatkan potensi pulangan pelaburan anda. 17
18 Perlindungan Insurans Hayat Manfaat Kematian dan Hilang Upaya Menyeluruh dan Kekal (HUMK) Sejumlah penuh akan dibayar sekaligus kepada anda sebelum ulang tahun polisi pada ulang tahun kelahiran anda yang ke-100 bagi manfaat kematian dan ulang tahun kelahiran anda yang ke-65 bagi manfaat HUMK. Faedah-faedah ini adalah tertakluk pada nilai akaun yang mencukupi untuk melanjutkan perlindungan ini. Apabila berlaku kematian atau HUMK, jumlah yang tertinggi daripada yang berikut akan dibayar: a) Nilai unit-unit yang terkumpul berdasarkan harga unit pada Penilaian selepas pemberitahuan tentang tuntutan kematian atau tarikh tuntutan HUMK diluluskan; atau b) Jumlah permulaan diinsuranskan termasuk Premium Tambahan tolak sebarang pengeluaran separa; atau c) RM5,000 bagi setiap pemegang polisi. Jumlah permulaan diinsuranskan adalah bergantung kepada umur penyertaan dan status kesihatan anda. Manfaat Kematian Kesihatan Standard Kesihatan Substandard Jumlah Yang Diinsuranskan: 125% daripada PT (umur 1-55 tahun) Jumlah Yang Diinsuranskan: 105% daripada PT (umur tahun) Jumlah Yang Diinsuranskan: 105% daripada PT ( umur tahun) *PT = Pelaburan Premium Tunggal Premium Tambahan Tiada manfaat tambahan yang berbayar bagi premium tambahan. 18
19 Anda Menikmati Pelbagai Pilihan Dana Dynamic Invest menawarkan pelbagai dana untuk memenuhi profil risiko, jangka masa pelaburan dan objektif anda. Anda mempunyai fleksibiliti untuk menukar diantara dana atau peruntukan dana-dana untuk memenuhi keperluan dan gaya hidup anda. Sekiranya anda mahir dalam pelaburan, pelan ini memberikan anda kebebasan untuk memilih atau memadankan dana-dana untuk mencapai matlamat anda melalui pilihan Dana-dana Individu. Anda juga boleh memilih salah satu daripada Dana Terurus kami yang terdiri daripada Dana Stabil, Dana Seimbang atau Dana Pertumbuhan untuk kesenangan anda. Ini memberi anda fleksibiliti untuk mencapai pulangan pelaburan yang sederhana hingga pulangan yang lebih pantas. Melaburlah secara dinamik dengan majoriti daripada dana berada pada kedudukan 4 1 terbaik dalam kategori masingmasing. 1 Sumber data: Bloomberg, Suratkhabar utama tempatan; November Pengurusan Dana Ciri-Ciri Dynamic Invest membolehkan anda membuat pelarasan yang sewajarnya, termasuk pengubahsuaian kepada pelan berdasarkan jangka masa pelaburan dan keadaan situasi: Pertukaran di antara dana (contohnya daripada Dana Terurus kepada Dana Individu, atau sebaliknya) (contohnya daripada Dana Stabil kepada Dana Seimbang, daripada Dana Indeks Premier kepada Dana Pendapatan Premier dan sebagainya) Untuk Dana Terurus, peruntukan ke dalam sesebuah dana mestilah 100%, manakala peruntukan untuk Dana Individu boleh diagihkan ke dalam mana-mana dana, tetapi tertakluk kepada minimum peruntukan sebanyak 10%. 19
20 Ciri-Ciri Dana Dana Terurus Butir-butir Mengenai Dana Terurus Dana Stabil Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada kadar deposit tetap 12-bulan dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pulangan lebih besar daripada hanya melabur dalam bon atau pendapatan tetap, namun dengan kurang kemeruapan daripada melabur sematamata dalam salah satu, dan mempercayai yang pengurus dana mampu mengatasi pasaran. Dana Seimbang Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada kadar deposit tetap 12-bulan dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pulangan lebih besar daripada hanya melabur dalam bon atau pendapatan tetap, namun dengan kurang kemeruapan daripada melabur sematamata dalam salah satu, dan mempercayai yang pengurus dana mampu mengatasi pasaran. Dana Pertumbuhan Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada Indeks FBM KLCI dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pulangan lebih besar daripada hanya melabur dalam bon atau pendapatan tetap, namun dengan kurang kemeruapan daripada melabur semata-mata dalam salah satu, dan mempercayai yang pengurus dana mampu mengatasi pasaran. 20
21 Dana Individu Butir-butir Mengenai Dana Individu Dana Global Ekuiti Premier Dana ini bertujuan untuk mencapai prestasi daripada pelaburan ekuiti global yang melebihi Indeks Dunia MSCI dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mempunyai kenginan untuk strategi pelaburan yang lebih berisiko tinggi, daripada pendedahan kepada kemeruapan ekuiti global dan pergerakan dalam kadar tukaran asing, dengan kemungkinan pulangan lebih tinggi dalam jangka masa lebih panjang. Dana Pendapatan Premier Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada kadar deposit tetap 12-bulan dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pendedahan kepada pulangan daripada bon, dan mempercayai yang pengurus dana mampu mengatasi pasaran. Dana Indeks Premier Dana ini bertujuan untuk mencapai prestasi Indeks FBM Bursa Malaysia KLCI 30. Ianya disasarkan kepada individu yang mencari pendedahan kepada pulangan daripada ekuiti di mana dana mengikut prestasi selari dengan pasaran. Dana Ekuiti Premier Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada 100 Indeks PBM Bursa Malaysia KLCI dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pendedahan kepada pulangan daripada ekuiti, dan mempercayai yang pengurus dana mampu mengatasi pasaran. 21
22 Dana Pendapatan Prima Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada kadar deposit tetap 12-bulan dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pendedahan kepada pulangan daripada bon, dan mempercayai yang pengurus dana mampu mengatasi pasaran. Dana Ekuiti Prima Dana ini bertujuan untuk mencapai prestasi yang lebih tinggi daripada Indeks FBM Bursa Malaysia EMAS Shariah dalam tempoh 5-tahun. Ianya disasarkan kepada individu yang mencari pendedahan kepada pulangan daripada ekuiti, dan mempercayai yang pengurus dana mampu mengatasi pasaran. Nota: 1) Untuk maklumat lanjut mengenai dana, sila rujuk kepada Helaian Fakta Dana yang berkenaan. 2) Untuk maklumat mengenai harga unit dana, sila layari 22
23 Caj-caj Pengurusan Dana Dana Terurus Caj Pengurusan Caj Pengurusan Dana Semasa Dana Maksimum (% setahun daripada Nilai Aset Bersih (NAB)) Dana Stabil 1.00% 1.50% Dana Seimbang Dana Pertumbuhan 1.25% 1.50% 1.50% 1.50% Dana Individu Dana Global Ekuiti Premier Dana Pendapatan Premier Dana Indeks Premier Dana Ekuiti Premier Dana Pendapatan Prima Dana Ekuiti Prima Caj Pengurusan Dana Semasa Caj Pengurusan Dana Maksimum (% setahun daripada Nilai Aset Bersih (NAB)) 1.50% 1.50% 1.00% 1.00% 1.25% 1.50% 1.50% 1.50% 1.00% 1.00% 1.50% 1.50% Nota: Syarikat berhak untuk menyemak semula Caj Pengurusan Dana Semasa di atas dengan memberi notis 3 bulan terlebih dahulu tetapi tidak melebihi caj maksimum seperti yang tertera di bawah Caj Pengurusan Dana Maksimum. Semua caj adalah dibayar dengan menjual unit yang sedia ada dalam akaun pada setiap bulan sejurus pada Penilaian selepas setiap 1 haribulan pada bulan tersebut, tanpa mengambil kira kaedah pembayaran. Ia juga tertakluk kepada unit yang mencukupi di dalam akaun pelanggan. 23
24 Ilustrasi Produk Andaian: 1) Pemegang polisi berumur 40 tahun pada hari lahir berikutnya melabur dengan premium tunggal sebanyak RM1 Juta. 2) Jumlah permulaan diinsuranskan ialah RM1.25 juta (125% dari Premium Tunggal). 3) Tiada Premium tambahan dan pengeluaran. Peruntukan Pelaburan Dana Global Ekuiti Premier 15% Dana Indeks Premier 15% Dana Pendapatan Premier 10% Dana Ekuiti Premier 20% Dana Pendapatan Prima 20% Dana Ekuiti Prima 20% Senario Tinggi Berdasarkan pilihan dana, pulangan wajaran tinggi sebanyak 8.30% adalah digunakan untuk mewakili pulangan unjuran. RM5 juta RM4 juta RM3 juta RM2 juta RM1 juta 0 RM1,009, Tahun Polisi 1 41 tahun RM1,738, RM1,250, RM3,182, RM1,738, Tahun Polisi tahun RM4,636, RM3,182, Tahun Polisi tahun RM4,636, Tahun Polisi tahun Manfaat Kematian & HUMK (Akhir Tahun) Jumlah nilai unit (Akhir Tahun) Nilai tunai (akhir tahun) adalah berdasarkan senario tinggi pulangan pelaburan dan dilaburkan sehingga matang Tahun Polisi tahun 24
25 Senario Rendah Berdasarkan pilihan dana, pulangan wajaran rendah sebanyak 2.70% adalah digunakan untuk mewakili pulangan unjuran. RM2 juta RM1,250, RM1,250,000.00RM1,250, RM1,344, Manfaat Kematian & HUMK (Akhir Tahun) Jumlah nilai unit (Akhir Tahun) RM1 juta RM961, RM1,066, RM1,197, RM1,344, Nilai tunai (akhir tahun) adalah berdasarkan senario rendah pulangan pelaburan dan dilaburkan sehingga matang 0 Tahun polisi 1 41 tahun Tahun polisi tahun Tahun polisi tahun Tahun polisi tahun Tahun polisi tahun Nota untuk ilustrasi produk: (Sila rujuk muka surat 24) 1) Jangkaan pulangan pelaburan yang tertera di atas adalah bagi tujuan ilustrasi sahaja dan tidak dijamin. Sila rujuk kepada ilustrasi jualan untuk maklumat lanjut. 2) Untuk unjuran lebih daripada 20 tahun, kadar median wajaran adalah pada 5.65% untuk senario tinggi dan bukannya 8.30%. Serahan dan Kematangan Polisi Serahan Polisi Nilai tunai polisi adalah nilai akaun, yang merupakan nilai unitunit untuk polisi ini berdasarkan harga unit pada Penilaian berikutnya sejurus selepas Syarikat menerima permohonan bertulis untuk penyerahan. Kematangan Polisi Apabila mencapai tempoh matang, nilai akaun yang merupakan nilai unit-unit pada harga unit pada tarikh matang akan dibayar. 25
26 Caj-caj Butiran Caj Permulaan Penukaran Dana (Minimum RM500 bagi setiap penukaran) Pengeluaran Separa Serahan Caj-caj 5% daripada Premium Tunggal atau Premium Tambahan akan ditolak terlebih dahulu. (Termasuk 3.75% untuk komisen). Percuma 2 penukaran pertama setiap tahun polisi. Penukaran selanjutnya dalam tahun polisi yang sama akan dikenakan caj pada kadar semasa sebanyak RM26.50 (termasuk Cukai Barang & Perkhidmatan (GST)). Pengeluaran separa hanya boleh dilakukan selepas polisi berkuatkuasa lebih daripada 1 tahun. Amaun minimum adalah RM500 bagi setiap pengeluaran. Baki minimum untuk setiap akaun selepas pengeluaran adalah 1,000 unit. Tiada caj. Ringkasan Umur Penyertaan Orang yang Diinsuranskan Mencapai umur minimum 14 hari Umur maksimum 70 tahun (umur hari lahir berikutnya) Pemilik Polisi Umur minimum 17 tahun (umur hari lahir berikutnya) Tiada had umur maksimum Hubungan antara Orang yang Diinsuranskan dan pemilik polisi mestilah suami isteri atau anak-anak sahaja. Umur Letak Hak Apabila Orang yang Diinsuranskan mencapai umur 17 tahun pada hari lahir berikutnya, pemilikan polisi ini boleh dipindahkan kepada beliau, selepas mendapat persetujuan daripada pemegang polisi mengikut peruntukan Pertukaran Pemilikan. 26
27 Premium Tunggal Minimum : RM10,000 Maksimum: Tertakluk kepada Pengunderaitan Premium Tambahan Premium minimum RM1,000 Nota: Premium tunggal dan premium tambahan mesti dalam gandaan RM1,000. Penambahan premium hanya dibenarkan selepas ulang tahun Polisi yang pertama. Peruntukan Premium 95% daripada setiap premium tunggal dan premium tambahan akan diperuntukkan untuk membeli unit di dalam dana berkaitan pelaburan yang anda pilih. Kelayakan Pemastautin Warganegara Malaysia, Singapura atau Brunei: Tertakluk kepada pengisytiharan kesihatan yang ringkas melalui borang cadangan. Lain-lain warganegara: Tertakluk kepada pengunderaitan. Pengecualian Utama Polisi ini tidak akan melindungi kematian yang berlaku disebabkan oleh: Membunuh diri sama ada semasa waras atau tidak waras dalam tempoh 12 bulan dari tarikh pengeluaran polisi; atau AIDS dan sebarang keadaan berkaitan AIDS atau jangkitan HIV kecuali yang disebabkan oleh pemindahan darah. Polisi ini tidak akan melindungi HUMK yang berlaku disebabkan oleh: Penyertaan dalam apa-apa perbuatan jenayah atau menyalahi undang-undang, pemogokan, rusuhan atau kekecohan awam; Penyertaan dalam sukan, aktiviti yang berisiko atau berbahaya, atau penerbangan (kecuali sebagai penumpang yang membayar tambang atau anak-anak kapal dalam laluan biasa yang dikendalikan oleh syarikat penerbangan komersil); Penggunaan dadah atau alkohol; Kecederaan yang disengajakan oleh diri sendiri, atau akibat cubaan membunuh diri sama ada semasa waras atau tidak waras; 27
28 Keadaan Pra-Wujud yang wujud sebelum atau pada tarikh polisi dikeluarkan. Keadaan Pra-Wujud ini merujuk kepada sebarang keadaan kesihatan atau penyakit yang mana Orang Diinsuranskan telah menerima rawatan perubatan, diagnosis, rundingcara atau telah dipriskripsikan ubatubatan sebelum atau pada tarikh polisi dikeluarkan. Nota: Senarai ini tidak menyeluruh. Sila rujuk kepada Kontrak polisi untuk senarai lengkap pengecualian-pengecualian di bawah polisi ini. Nota Penting 1. Pelan ini adalah pelan berkaitan pelaburan yang berkait dengan prestasi aset-aset asas, dan bukan merupakan produk pelaburan sepenuhnya seperti unit amanah atau deposit tetap. 2. Risalah ini tidak boleh dianggap sebagai kontrak atau komitmen. Maklumat yang terkandung dalam risalah ini mungkin akan dipinda tanpa notis terlebih dahulu. 3. Anda harus memastikan bahawa pelan ini akan memenuhi keperluan anda sebaiknya dan premium yang telah ditetapkan untuk pelan ini adalah mengikut kemampuan anda. 4. Polisi ini boleh melayakkan anda mendapat pelepasan cukai pendapatan peribadi bergantung kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia. 5. Pulangan daripada pelaburan anda akan berdasarkan kepada prestasi sebenar dana dan adalah TIDAK DIJAMIN. Risiko pelaburan di bawah polisi akan ditanggung sepenuhnya oleh anda dan manfaatnya berkemungkinan akan kurang daripada jumlah premium yang telah disumbangkan kepada dana pelaburan. 6. Syarikat berhak untuk menggantung pengeluaran atau penebusan unit dalam apa-apa keadaan luar biasa, seperti kesan negatif yang mungkin akibat jualan umum pelaburan dalam tempoh singkat atau penutupan sementara mana-mana Bursa Berdaftar. 7. Prestasi dana terdahulu tidak boleh dijadikan panduan kukuh untuk prestasi pada masa hadapan. Untuk maklumat lanjut mengenai dana dan pengurus dana, sila rujuk pada Helaian Fakta Dana. 28
29 8. Pembelian pelan berkaitan pelaburan memerlukan komitmen jangka panjang dan anda tidak digalakkan untuk memegang polisi buat tempoh yang singkat memandangkan kos permulaannya yang tinggi. Jika anda membuat serahan pada tahun-tahun awalnya, anda mungkin akan mendapat amaun yang kurang daripada amaun yang telah anda bayar sebelumnya. 9. Anda mempunyai hak untuk membatalkan pelan ini dengan menghantar arahan bertulis kepada kami dalam tempoh 15 hari selepas anda menerima polisi ini. Sekiranya anda memilih untuk membatalkannya dalam tempoh 15 hari, kami akan mengembalikan semula nilai unit-unit iaitu sebarang jumlah premium yang telah dilaburkan dan sebarang caj-caj yang telah ditolak, selepas ditolak kos pemeriksaan perubatan yang ditanggung. 10. Sekiranya anda memerlukan maklumat lanjut, sila rujuk kepada buku panduan Insuranceinfo berkenaan Insurans Berkaitan Pelaburan, yang boleh didapati di semua cawangan kami atau anda boleh mendapat salinan dari Penasihat Kewangan Peribadi (PFA) kami atau layari laman sesawang Semua caj-caj insurans, lain-lain caj dan yuran (jika berkenaan) akan tertakluk kepada caj-caj atau cukai-cukai yang berkenaan termasuk Cukai Barang dan Perkhidmatan sebagaimana yang dianggap perlu oleh pihak berkuasa cukai Malaysia. Ia adalah penting untuk menyimpan setiap resit yang telah anda terima sebagai bukti pembayaran premium. 29
30 30 Hubungi , kunjungi mana-mana cawangan Maybank atau layari untuk maklumat lanjut, terma-terma dan syarat-syarat. Pelan ini adalah diunderait oleh Etiqa Life Insurance Berhad ( P), sebuah subsidiari Malayan Banking Berhad (3813-K). Etiqa Life Insurance Berhad adalah dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia. Etiqa Life Insurance Berhad adalah berlokasi di Dataran Maybank, No. 1, Jalan Maarof, Kuala Lumpur. Pelan ini diedarkan oleh Malayan Banking Berhad (3813-K) dan ibu pejabat berlokasi di Menara Maybank, 100 Jalan Tun Perak, Kuala Lumpur. Penafian: Brosur ini menyediakan maklumat ringkas sebagai rujukan dan untuk tujuan kesedaran sahaja. Untuk maklumat lanjut, sila rujuk kepada Wakil Jualan Maybank kami. 01/18/EVE
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