BENEFITS FOR YOU

• GUARANTEED SURVIVAL PAYOUT
  A unique plan that provides you guaranteed Basic Sum Assured in three (3) instalments - an excellent way to pay those yearly tuition fees and preliminary academic expenses.
  
  40% of the Basic Sum Assured is payable to you, two (2) years prior to the maturity date while 30% of the Basic Sum Assured is payable one (1) year prior to the maturity date. The remaining 30% of the Basic Sum Assured is payable to you at maturity.
  
  
• MATURITY BENEFITS
  Accumulated Bonuses is also payable to you at maturity.
  
  
• OPTIONS FOR GUARANTEED SURVIVAL PAYOUT PAYABLE PRIOR TO MATURITY
  For the Guaranteed Survival Payout payable prior to maturity, you may choose any one of the following options:
  
  Option 1: To receive Guaranteed Survival Payout in cash (automatic option)
  Option 2: To leave the Guaranteed Survival Payout on deposit with the Company
  
  Guaranteed Survival Payout left on deposit with the Company shall accumulate at interest rates that the Company may declare from time to time. You may withdraw the accumulated benefits at any time.
  
  
• EXTRA CASH REWARDS
  There’s always an extra with this Plan, where 1% of the Basic Sum Assured is payable at age 18 or at maturity of the policy, whichever is earlier.
  
  
• GUARANTEED INSURABILITY
  If the policy matures while the child is between the attained age of 18 to 25, the policyowner can exercise the option to purchase a new Whole Life or Endowment policy within 30 days before or after the maturity date without underwriting*.
  
  
• DEATH BENEFIT
  In the event of death of the Life Assured (Child), we will pay the parent a lump sum comprising of 100% of the Basic Sum Assured plus any Accumulated Bonuses.
  
  
• TOTAL AND PERMANENT DISABILITY BENEFIT
  In the event of total and permanent disability of the Life Assured (Child), 100% of the Basic Sum Assured plus any Accumulated Bonuses will be payable to the parent in 3 annual instalments equivalent to 10%, 10% and 80% respectively.
  
  
• LARGE SUM ASSURED DISCOUNT
  For sum assured of RM50,000 and above, you will enjoy discounted premium rates subject to company guidelines.
  
  *Subject to terms and conditions
  
  
  

At MCIS ZURICH, we make it happen!


For more info, call 03-7652 3388