AM-Cash Guaranteed 21


AmCash Guarantee 21 - Rain or Shine, AmCash Guarantee 21 will surely be there to benefit you.

With AmCash Guarantee
21, you may enjoy
  • protection against death, critical illness and total and permanent disability
  • guaranteed cash payouts at regular 3-year intervals
  • a sizeable lump sum benefit upon maturity
  • money to ful- fill your commit- ments and realize your dream
Minimum age of entry : 1 years old
Maximum age of entry : 50 years old
Policy/Premium Term : 21 years
Minimum sum assured : RM10,000

Life Insurance Coverage
In the event of death;
  • Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
are payable to your loved ones assisting them to weather the unexpected financial storm.


Income Replacement Coverage

Upon Total Permanent Disability (TPD) before age 65;
  • Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
are payable to cushion the financial shock experienced by you and your family.


Dread Disease Coverage

When diagnosed with Critical Illness# before age 70;
  • Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
are payable to reduce your financial burden and increase possibility to seek better medical treatment.


Guaranteed Survival Benefit (GSB)***

From the end of 3rd policy year onwards, you will enjoy cash payment that is:
  • Guaranteed
  • Payable at 3 years intervals
  • Tax free
The money is at your disposal in fulfi lling your commitments or realising your dreams.


Maturity Benefit

Upon completion of the 21-year policy term, you will obtain:
  • The balance 42% of Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
One more good reason for you to celebrate the sunny side of your life!


Cash Dividends*

Cash dividends may be declared annually from the end of 3rd policy year. You have the option to:
  1. Leave with the company to accumulate with interest
  2. Withdraw the money
  3. If no option is chosen, the default option shall be Option 1.
    Terminal Dividends*
    Terminal dividends may be payable upon:-
    • Death/TPD
    • Diagnosis of critical illness
    • Maturity
    • Surrender

Other Benefits


Guaranteed Premium
Your basic premium rate shall remain the same throughout the entire duration of your protection.


Policy Loan

You can take up policy loan in times of need after the policy has cash value.

Optional Protection Riders

Enhance your protection by attaching rider(s) to this plan. The riders include:
Deferred Disability Income (DDI), Payor Benefit, Rider (PBR),Payor Level Term Rider (PLTR), Payor Dread Disease Waiver of Premium (PDWP), Payor Critical Illness Term Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider (CIT), Hospital Benefit Rider (HBR), Health Management Rider (HMR), Maternity Rider (MR), Accidental Death Benefi t (AB), Comprehensive Accident Indemnity (CAI) and Dread Disease Waiver of Premium for TANR & LTR (DWPD).

Enjoy discounts on your premiums for sum assureds above RM
50,000
Premiums paid are tax deductible
Cash Dividends are projected to accumulate at 6.5% p.a.
Pay advance premium for the policy and enjoy the interest rate currently at 4% p.a.
Enjoy the flexibility of withdrawing the advance premium paid

* Cash Dividends and Terminal Dividends are not guaranteed and are subject to Company's performance.

** Plan matures after 21 policy years or expires in the event of Death/TPD/Diagnosis of
Critical Illness, when claim is payable.
*** GSB will accumulate with interest if left with the Company.
# 36 Critical Illnesses as stated in the contract.
AmCash Jaminan 21  - Hujan atau Panas,                AmCash Jaminan 21 pastikan keuntungan anda.

Dengan Jaminan AmCash 21, anda dapat menikmati
 
*Perlindungan terhadap kematian cacat, penyakit kritis dan total dan tetap
  
* Bayaran tunai dijanjikan dengan jadual 3-tahun biasa
  * Manfaat yang cukup besar lump sum pada saat tempoh matang
 * Wang untuk memenuhi
komitmen anda dan mewujudkan impian anda


Umur Minima cadangan :
1 years old
Umur Maxima cadangan: 50 years old
Polisi/Premium Jangkamasa Term : 21 years
Nilai Tertanggung Minima : RM10,000

Manfaat Insuran Nyawa atas Kematian
;
  • Basic Sum Assured
  • Dividen Tunai Dikumpul*
  • Dividen Terminal*
akan dibayar kepada kesayangan anda demi menolong mereka atas malapetaka segi financial storm.


Lindungan Penggantian Pendapatan

Upon Total Permanent Disability (TPD) before age 65;
  • Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
are payable to cushion the financial shock
experienced by you and your family.


Dread Disease Coverage

When diagnosed with Critical Illness# before age 70;
  • Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
are payable to reduce your financial burden and increase possibility to seek better medical treatment.


Guaranteed Survival Benefi t (GSB)***

From the end of 3rd policy year onwards, you will enjoy cash payment that is:
  • Guaranteed
  • Payable at 3 years intervals
  • Tax free
The money is at your disposal in fulfi lling your commitments or realising your dreams.


Maturity Benefit
Upon completion of the 21-year policy term, you will obtain:
  • The balance 42% of Basic Sum Assured
  • Accumulated Cash Dividends*
  • Terminal Dividends*
One more good reason for you to celebrate the sunny side of your life!


Cash Dividends*

Cash dividends may be declared annually from the end of 3rd policy year. You have the option to:
  1. Leave with the company to accumulate with interest
  2. Withdraw the money
  3. If no option is chosen, the default option shall be Option 1.
    Terminal Dividends*
    Terminal dividends may be payable upon:-
    • Death/TPD
    • Diagnosis of critical illness
    • Maturity
    • Surrender

Other Benefits

Guaranteed Premium
Your basic premium rate shall remain the same throughout the entire duration of your protection.


Policy Loan

You can take up policy loan in times of need after the policy has cash value.

Optional Protection Riders

Enhance your protection by attaching rider(s) to this plan. The riders include:
Deferred Disability Income (DDI), Payor Benefit, Rider (PBR),Payor Level Term Rider (PLTR), Payor Dread Disease Waiver of Premium (PDWP), Payor Critical Illness Term Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider (CIT), Hospital Benefit
Rider (HBR), Health Management Rider (HMR), Maternity Rider (MR), Accidental Death Benefit (AB), Comprehensive Accident Indemnity (CAI) and Dread Disease Waiver of Premium for TANR & LTR
(DWPD).

Enjoy discounts on your premiums for sum assureds above RM
50,000
Premiums paid are tax deductible
Cash Dividends are projected to accumulate at 6.5% p.a.
Pay advance premium for the policy and enjoy the interest rate currently at 4% p.a.
Enjoy the flexibility of withdrawing the advance
premium paid

* Cash Dividends and Terminal Dividends are not guaranteed and are subject to Company's

performance.
** Plan matures after 21 policy years or expires in the event of Death/TPD/Diagnosis of
Critical Illness, when claim is payable.
*** GSB will accumulate with interest if left with the Company.
# 36 Critical Illnesses as stated in the contract.
AmCash保 證 21 - 不論晴雨,AmCash保證 21一定會在為你獲益。

隨著 AmCash保證 21,你可以享受
  • 防護死亡, 危重病和完全及永久傷 殘
  • 保證現金的支 出,定期3年的時間間隔
  • 一個相當大的一 筆款項到期時受益
  • 錢履行你們的承 諾,實現你的夢想




進入最低年 齡:1歲
最大的項目年齡:50歲
保險單 /保險保費期限:21年
最低保額:令吉10,000


在死亡人壽保險事件:
  • 基本保額
  • 累積的現金股利*
  • 終端股息*
是支付給您的親 人協助他們抵禦金融風暴意外。


收入替代保險

當共有永久傷殘(技)65歲前;

    *基本保額
    *累積的現金股利*
    *終端股息*

應支付,以減輕所經歷的金融衝擊你 和你的家人。




重大疾病保險
當確診患有重病#70歲以前;

    *基本保額
    *累積的現金股利*
    *終端股息*

是您的支付,以減少財政負擔,增加 的可能性,以尋求更好的醫療待遇。



保證生存保障 (的GSB)***
從截至第三保單年度起,您將享受現金支付是:

    *保證
    *應付在三年的時間間隔
    *免稅


這筆錢是在您的 處置在履行你們的承諾或實現你的夢想。



到期收益
建成後的21年的政策來看,你會得 到:

    *餘額 42%的基本保額
    
*累積的現金股利*
    
*終端股息*

多一個很好的理由為你慶祝你的生活陽光的一面!



現金股利*
現金股利可宣布每年從截至第三保單 年度。你 可以選擇:


1。給該公司積累感興趣
2。提款
     如果沒有選項選擇,默認的選項,應 選擇 1。
終端股息*
碼頭可應付股息 後: -
          
*死亡/程序升溫脫附
          *危重病的診斷
          *到期
          *投降






其他福利



保證保費

您的基本保險費率保持不變,在整個你的保護期限。



保單貸款

你可以拿起倍貸款政策後,政策有需 要的現金價值。



可選保護(騎手)Rider
提高你的附加保護騎手(縣)的這一 計劃。騎 手包括:

遞延殘疾收入 (DDI)的,付款人利益,騎士(PBR),付款人級定期騎士(PLTR),付款人豁免保費重大疾病(PDWP),付款人重大疾病保險條款騎士 (PCIT),級別定期騎士 (LTR),重大疾病定期騎士(CIT),醫院效益騎士(HBR),健康管理騎士(HMR),孕婦騎士(MR),意外死亡給付(AB),綜合交通事故損 害賠償(CAI)與重大疾病豁免保費為 TANR及輕鐵(DWPD)。


在您享受優惠的 保費為保額以上馬幣 50,000
保險費在繳納所得稅前扣除
現金紅利預計在6.5%年利率累積
提前支付保險費的政策和享受利率目前 為年息4%
享受靈活收回預付款支付保險費



*現金股利和 股息終端不能保證,並受公司業績。
**計劃到期後 21年或到期政策在事件死亡/程序升溫脫附 /診斷
重大疾病保險,索賠時支付。
***的GSB會累積,如果不與有 興趣的公司。
#36嚴重疾病如在合同中約定。

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