Smart Invest Growth


Smart Invest Growth

Enhance your financial safety net with investment opportunities

When you have set clear goals in life, you need to plan ahead to ensure your future lives up to your expectations. SmartInvest Growth is an investment-linked insurance plan designed to do just that by enhancing your protection and financial safety net.

The plan offers a convenient way to increase your sum assured when you want more coverage due to increasing financial and family commitments at different life stages. Starting with a one-time premium of just RM5,000, you can also choose to top up anytime to boost your policy’s investment value. As SmartInvest Growth enhances your coverage and makes the most of your money, the financial safety net it provides will bring your dreams closer to reality.

Key benefits

Enhance your protection

When you marry, welcome a newborn child or as your responsibilities increase, you can increase your sum assured accordingly, without underwriting1


Choose and switch between funds

To help you take advantage of the high premium allocation rate, the plan gives you access to professionally managed funds. You can pick the funds that suit your risk appetite and investment style1. When your needs change later, you can switch your choice of funds1


Helps your money go further

By allocating 95% of your premium to unit funds, the plan maximises your investments, whose performance will add to your plan’s total investment value1


Safeguards the future of your loved ones

In the event of death or Total and Permanent Disability (TPD), the basic sum assured or total investment value of the policy, whichever is higher, will be paid out in accordance with the provisions of the policy1 – so you rest assured that your loved ones have the financial resources they need to carry on.


Top up anytime to tap opportunities

Enjoy the benefit of potential growth with a minimum premium top-up of RM1,000 to inject a fresh amount of 95% of your premiums paid to unit funds1.


Tax relief

Benefits received from the plan are generally non-taxable and premiums paid may qualify for tax relief. However, tax benefits are subject to the Malaysian Income Tax Act, 1967, and final decision of the Inland Revenue Board.


Footnotes and disclaimers


Please do take note of the below to ensure you fully understand what this product does and does not cover.


Terms and conditions apply.


SmartInvest Growth is a single premium investment-linked insurance plan. Some of the choice of funds invest in Shariah-approved securities. This plan 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. This is not a Shariah-compliant product. 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.


A free-look period of 15 days is given for you to review the suitability of the plan. If the policy is returned to the Company during this period, the Company shall refund an amount equal to the sum of:


a. the total investment values of the policy based on the Net Asset Value at the next valuation date; and

b. the investment values of the units which have been cancelled to pay for insurance charges and policy fee; and

c. the amount of premiums that have not been allocated; minus the expenses incurred for medical examination, if any.


Net Asset Value is the single price at which the policy owner buys the units in a unit fund and sells the units back to the unit fund.


The initial basic premium allowable for the policy is RM5,000. You may stop paying the premiums and still enjoy protection as long as there is a sufficient total investment value to pay for the insurance charges, policy fee and supplementary benefit premiums, where applicable. However, there is a possibility of the policy lapsing when the required charges exceed the value of the fund units available.


Buying an investment-linked insurance plan is a long-term commitment. An early termination of the policy involves high costs and the withdrawal value is dependent on prevailing market value of the underlying assets of the unit fund. Therefore, the withdrawal value may be less than the total premiums paid. The policy value may rise or fall, based on the underlying performance of the funds. The performance of the funds is not guaranteed. The investment risk under the policy will be borne solely by the policy owner. Past actual performance is not a guide to future performance, which may be different.


Any amount of the premium that has not been allocated to purchase units is used to meet the payment of commissions to intermediaries and general expenses of the Company. The Company reserves the right, in circumstances it considers exceptional, to suspend issuance or redemption of units.


The above is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Fund Fact Sheet, Product Disclosure Sheet and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive.

Information correct as on 1 February 2015.

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