AM-Flexi


With AmFlexi or AmFlexi Education, there are 4 more reasons for you to Smile!

  1. With AmFlexi or AmFlexi Education, you're assured with a comprehensive protection plan that also secures your personal retirement life stage or the funding of your child's education.
  2. For as low as RM1,200 per year (equivalent to RM100 per month), your savings are managed by AmLife Insurance Berhad's fund professionals. With this, AmFlexi or AmFlexi Education gives you the potential upside of the market. So, no worries!
  3. Like its name, AmFlexi or AmFlexi Education offers you absolute control of your living cash benefits withdrawal in terms of the amount and timing.
  4. With AmFlexi or AmFlexi Education, you gain instant personal income tax relief
    * on your total premiums paid*subject to eligibility from Inland Revenue Board.
Basic Plan Benefits
In the event of Death or Total and Permanent Disability (TPD), the benefits payable will be higher of: the basic Sum Assured, or the Fund Value For a child plan, in the event of Death or TPD to the child before age of 3, the proportion of the basic sum assured paid is: % of Basic Sum Assured Age Next Birthday 25 % 1 50% 2 75% 3 TPD benefits will continue up to age 65. The sum assured payable is the above, subject to a minimum of the fund value.

Simply More Benefits
Elevate the power of your policy by adding the following riders to fit your needs. Any standard rider below is subject to normal underwriting guidelines:
  • Dread Disease Waiver of Premium (DWP)
  • Deferred Disability Income (DDI)
  • Payor Level Term Rider (PLTR)
  • Payor Dread Disease Waiver of Premium (PDWP)
  • Payor Critical Illness Term Rider (PCIT)
  • Payor Benefit Rider (PBR)
  • 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 Benefit (CAI)
  • Dread Disease Waiver of Premium for TANR (DWPD)



AmFlexi Product FAQ's
What's AmFlexi?
If you are between 16 to 60 years old and in the look out for that special and unique retirement plan, look no further! AmFlexi is that perfect solution tailored just for you. Not only does it allow you to enjoy insurance coverage but lets you top up1 and earn money2 from it. A unique way to grow your savings while simultaneously, ensuring that you are financially and emotionally safe up to your retirement years. One of the great advantages of AmFlexi is that you have the option to make a regular or single top up (by cash or cheque). Regular or single top up is an additional premium paid for investment / savings while the basic policy is in force and when the basic premium is paid. You may maximize your investment / savings value by minimizing the annual premium and maximizing the top-up premiums. 1. Top Ups are subject to 3.75% initial charge. 2. Returns on top ups are not guaranteed and subject to investment performance.

What's AmFlexi Education?
AmFlexi Education is a comprehensive education insurance plan offered to any child aged 1 to 15 years old. It aims to provide our children with the gift of life - education and protection. It's so flexible that when your child reaches 25 years old, he or she may choose to extend the protection term coverage and savings to a whole life plan. You may also have the flexibility to top up the policy to meet your children's education needs or when you have a higher disposable income.

How does the top up work for me?
AmFlexi or AmFlexi Education gives you that special unique flexible option to top up and / or make partial withdrawals of the top up at any time and at any amount throughout the term of the policy**. ** The minimum balance of fund value amount should not be lesser than RM1000 and the minimum amount for every withdrawal is at least RM300. For example, you may withdraw up to 25% of the fund value at the 10th policy year and thereafter, for the purpose of your retirement or education.

How much premium do I have to pay?
For a minimum of RM1,200 per year (equivalent to RM100 per month), your protection sum assured coverage is worth up to 10 times# of the annual premium paid. What's more, you'll have our Fund Professionals managing your money. #7 times for 56-60 years old, 10 times for 1 to 55 years old. What else do I get? You may also pay advanced premium for AmFlexi or AmFlexi Education and enjoy the interest rate currently at 4% p.a.. Enjoy the flexibility of withdrawing the advanced premium paid at the policy anniversary date.
Dengan AmFlexi atau AmFlexi Pendidikan, ada 4 alasan lebih bagi anda untuk bersenyum!


1. Dengan AmFlexi atau AmFlexi Pendidikan,
    kamu yakin dengan rencana perlindungan
    yang menyeluruh yang juga mengamankan
    persaraan dengan tahap kehidupan peribadi
    anda atau dana pendidikan anak anda.

2. Caruman serendah RM1, 200 setahun (setara
    dengan RM100 sebulan), tabungan anda
    dikendalikan oleh para profesional dana
    AmLife Insurans Berhad's.
Dengan ini,
    AmFlexi atau AmFlexi Pendidikan memberi
    anda potensi upside pasaran.
Jadi, jangan
    bimbang!

3.Seperti namanya, AmFlexi atau AmFlexi
   Pendidikan menawarkan anda kawalan penuh
   manfaat hidup pengeluaran tunai anda dalam
   hal jumlah dan masa.
4.
Dengan AmFlexi atau AmFlexi Pendidikan,
   anda dapat meringankan cukai pendapatan
   segera peribadi
* Atas jumlah premium yang dibayar tahunan
* anda dikenakan kelayakan dari
LEMBAGA
  HASIL DALAM NEGERI
.

Dasar Rencana Manfaat
Dalam hal Kematian atau Cacat Tetap Total (TPD), kewajipan ganjaran kerja akan lebih tinggi dari: Wang Pertanggungan asas, atau Undian Dana Untuk rencana anak, dalam hal kematian atau TPD untuk anak sebelum usia 3 , proporsi jumlah asas meyakinkan dibayar adalah:%% dari Wang Pertanggungan Dasar Usia Akan Datang 25 1 50% 2 75% 3 manfaat TPD akan terus sampai usia 65 tahun. Jumlahnya ditanggung adalah seperti diatas, tertakluk kepada kadar minimum nilai dana.








基本計劃的好處

在事件的死亡或完全及永久傷殘(噸),將支付利益更高:基本保額,或本基金的價值對於一個孩子的計劃,在事件的死亡或程序升溫脫附對孩子3歲前的比例繳納的基本保額是:%基本保額下次生日年齡 25%1 50%2 75%3程序升溫脫附利益將持續到65歲。保額是應付上面,但以該基金的最低值。


    *重大疾病豁免保費(DWP)

    *殘疾遞延收入(DDI)的
    
*付款人級定期
效益(PLTR)
    
*付款人
重大疾病豁免保費(PDWP)
    *付款人重大疾病保險條款效益(PCIT)
    
*付款人效益
效益(PBR)
    
*定期
效益級(LTR-Level Term Rider)
    
*重大疾病保險條款
效益(CIT)的
    
*醫院效益
效益(HBR)
    *健康管理效益(HMR)
    
*孕婦
效益(AR)
    
*意外身故保障(AB)
    
*
全面意外賠償效益(CA1)
    
*重大疾病豁免保費為 TANR(DWPD)

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