Smart Protect You


Smart Protect You

Comprehensive protection that’s always got your back

SmartProtect You was designed with you in mind – it’s meant to put your priorities first at all times, so that it can help you achieve a future of financial freedom with greater confidence. This affordable life protection plan allows you to work towards your personal goals and live the life you desire, while also providing you with the welcome reassurance of a strong financial safety net.

From as low as RM100 a month, you will enjoy comprehensive coverage against life’s unexpected events and a host of features that will help you save for the future. You can customise your protection plan with coverage term options and a wide range of riders to create the ideal plan that will help you LIVE GREAT.

Key benefits

Protection starting from just RM100 a month

Starting from just RM100 a month, this affordable investment-linked insurance plan offers you life coverage and an investment allocation that grows over time1 .

Additional 1% sum assured each year

An additional 1% of your basic sum assured will be provided to you upon every completed policy year, up to a maximum of 40%1 , and will be payable should death or TPD occur.

Two coverage term options to suit your life goals

SmartProtect You provides you coverage term options of up to age 80 or 100 years next birthday, so that you can select the term that best suits your needs and affordability1 .

Footnotes and disclaimers


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


1 Terms and conditions apply.

2 Total and Permanent Disability.

3 Coverage for TPD is only applicable for TPD that occurs prior to the policy anniversary on which the life assured attains age 75 years next birthday.


SmartProtect You is a regular premium investment-linked insurance plan. Some of the choice of funds invests in Shariah-approved securities. However, this is not a Shariah-compliant product. 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. Premiums are payable for the whole term of the policy, or until death or TPD or termination of the policy, whichever comes first.


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 value 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 fees; and

c.  the amount of premiums that have not been allocated;

minus the medical expenses occurred for medical examinations, 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. If you switch over your policy from one company to another or if you exchange your current policy with another policy within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of the policy switching or replacement.


The minimum basic premium allowable for the policy is RM1,200 a year. The premium may be segregated into Insurance Premium and Balancer (regular premium in excess of the Insurance Premium) if any, based on the premium invested for the policy.


In cases where the purchase involves a premium of a sizeable amount i.e. RM5,000 and more, you should consider purchasing a single premium investment-linked insurance plan as single premium plans offer better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance protection as regular premium plans and may have less riders/supplementary benefits available.


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 insurance charges, where applicable. However, there is a possibility of the policy lapsing when the required charges, including rider charges, exceed the value of the fund units available. Purchasing too many unit-deduction riders may deplete the fund units.


In the event the actual sustainability of the policy is reduced due to revision of insurance charges, the Company may vary the premiums on the policy anniversary by giving you 3 months’ advance written notice.


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 sustainability of the policy depends on the underlying performance of the funds. 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 22 September 2021.

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