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Investment-Linked

Smart Portfolio is our range of investment-linked insurance plans that will help you achieve the goals you've set for yourself. Smart Portfolio provides a plan for every stage of you life, helping you to better meet your financial goals while providing you the benefit of life protection. Under Smart Portfolio, we offer:

SMART PROTECTION SERIES

SmartProtect Essential

SMART INVESTMENT SERIES

SmartInvest Premier

SmartInvest Growth

SMART EDUCATION SERIES

SmartEducate Saver

List of Funds

Glossary of Terms

Are You Saving Enough For Yourself?

SmartProtect Essential


	Achieve your goals from as low as RM100 a month. With SmartProtect Essential Insurance 2 ("SmartProtect Essential"), you can achieve your goals with greater confidence. This is an affordable plan that allows you to work towards your goals and live the life you want while providing you with a personal safety net.

You will enjoy comprehensive coverage against unexpected events from as low as RM100 a month and you can further enhance your protection with additional hospitalisation and medical benefits.

Make your money work for you
SmartProtect Essential is an investment-linked insurance plan that adapts to your lifestyle. It's easy to get into - starting with just RM100 per month, you'll receive life coverage and an investment allocation that increases over time - bringing your goals closer to reality with every passing day.

The insurance premiums paid are allocated to the unit funds at the following rates:

Policy Year	1-2	3-4	5-6	7 & above
Premium Allocation Rate	43%	76%	85%	100%

1% more on your sum assured every year throughout your coverage years
SmartProtect Essential ensures your loved ones will not be financially burdened should the unexpected occur. With a sum assured that grows 1% every year throughout your coverage years, they can go on living with added peace of mind.

An example of how this works
Josh Lim is a 25-year-old male who buys SmartProtect Essential. Let's assume he is insured for RM100,000. If he lives till age of 75, he will accumulate 1% more per year on his sum assured for 50 years.

1% x RM100,000 x 50 years = RM50,000 more

That means his loved ones will receive a total of RM150,000.

Provision of financial protection against the unexpected
SmartProtect Essential is built on a foundation of protection, to ensure you and your loved ones come first if the worst should happen. In the case of death, or should you be afflicted with TPD, the basic sum assured and your total investment value will be paid out in accordance with the provisions of the policy. Hence, you can rest assured that your loved ones have the financial resources they'll need to carry on.

Choose your own protection and investment levels
You may start with just a little, but as your financial options grow wider, you can vary the protection and investment levels according to your later needs and goals. Available to you is an option to boost the investment value of your policy via single premium top-ups. A minimum amount of RM1,000 for a single premium top-up will effectively provide a fresh injection of 95% of the paid premium to unit funds, bolstering your investment value and potential returns.

Pick your own funds
You get to pick and invest in whatever best suits you at any time. Our range of professionally managed funds will cater to your risk appetite and investment style. If you ever change your mind, simply make a new selection.

Other benefits include:

Death or Total and Permanent Disability (TPD) benefit

Extra protection with additional riders

Tax benefit

Note: Terms and conditions apply. SmartProtect Essential, wherever mentioned above, refers to SmartProtect Essential Insurance 2.

SMARTINVEST PREMIER


	Investments geared towards realising your dreams. Marriage and family, personal pursuits, savings for a rainy day... whatever your goals may be, there is now a plan to help you realise your dreams with greater certainty.

SmartInvest Premier Insurance 2 ("SmartInvest Premier") is a plan that focuses on investing your money through higher allocation rates and Loyalty Incentive while taking care of all your needs and commitments. You can even attach additional riders to ensure continuity of your investments should your health ever let you down - without requiring further contribution on your part.

Higher investment allocation for more investment opportunities
Because SmartInvest Premier is serious about building your wealth, you'll enjoy a high allocation rate of 95% to investments right from the first policy year and onwards. Additionally, a 2% Loyalty Incentive will be added to your premium allocation rate for payment of premium for every 3^rd policy year.

Boost the investment value of your policy at any time
As your needs develop, you can increase your commitment to grow your wealth through an option to boost the investment value of your policy via single premium top-ups. A minimum amount of RM1,000 for a single premium top-up will result in a fresh injection of 95% of your premiums paid to unit funds, bolstering your investment value and potential returns.

See your investments through the unexpected
You have the option to attach additional riders such as premium waiver riders to ensure continuity of your investments even if your health takes an unfortunate turn. Should you suffer from a physical setback like TPD, you will receive benefits payout with the TPD provisions of your policy - but it doesn't end there. We will continue to invest on your behalf without requiring further contribution on your part.

Pick your own funds
You get to pick and invest in whatever best suits you at any time. Our range of professionally managed funds will cater to your risk appetite and investment style. If you ever change your mind, simply make a new selection.

Provision of financial protection against the unexpected
In the case of death, or should you be afflicted with TPD, the basic sum assured and your total investment value will be paid out in accordance with the provisions of the policy. Hence, you can rest assured that your loved ones have the financial resources they'll need to carry on.

Note: Terms and conditions apply. SmartInvest Premier, wherever mentioned above, refers to SmartInvest Premier Insurance 2.

SMARTINVEST 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 Insurance ("SmartInvest Growth") is an investment-linked insurance plan designed to do just that by enhancing your protection and personal 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.

Enhance your protection with Guaranteed Insurability Benefit (GIB)
When you marry, welcome a newborn child or as your responsibilities increase, your protection needs will grow. The plan's GIB allows you to conveniently increase your sum assured accordingly, subject to the maximum limit, without underwriting.

To reflect these big commitments, you can increase your protection periodically at the following times:

At least once every two years	10% increase to the current sum assured
First marriage	50% increase to the current sum assured
Arrival of each child	10% increase to the current sum assured

Note: The optional benefits above are applicable prior to age 60 years next birthday. Terms and conditions apply.

Your money goes further with high investment allocation
Best of all, the plan maximises your investments by allocating 95% of your premium to unit funds. The performance of your investments will contribute to the total investment value of your plan.

Top up at any time for greater investment opportunities
The plan allows you to top up the investment value of your policy whenever and as often as you wish. Each single premium top up of minimum RM1,000 injects a fresh amount of 95% of your premiums paid to unit funds. This allows you to enjoy the benefit of any potential growth in the value of your unit funds.

Flexibility to choose and switch between funds
To help you take full 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 style. When your needs change later, you can switch your choice of funds.

Protection that safeguards your loved ones' future
Enjoy peace of mind as the plan makes the most of your money. 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 policy. Hence, you can rest assured that your loved ones have the financial resources they may need to carry on.

Note: Terms and conditions apply. SmartInvest Growth, wherever mentioned above, refers to SmartInvest Growth Insurance.

SMARTEDUCATE SAVER


	Grow your child's education fund affordably. As parents, many of us wonder what our little one is going to grow up to be. A doctor? A lawyer, perhaps? In any career, a good education goes a long way towards helping your child enjoy a smoother, more successful journey through life. With the rising cost of education, it's never too soon

to prepare for the day you send your little one to college.

SmartEducate Saver opens the door for your child to enjoy better education opportunities. An investment-linked insurance plan, it grows your child's education fund with additional investment allocations - while also providing protection against the unexpected. You can start with as low as RM100 a month, making it an affordable education plan to secure your child's future.

Grow your child's education fund with additional allocation to unit funds
See your child's education fund grow with an extra investment allocation. An Additional Units Allocation of 2% will be added to your premium allocation rate for payment of premium for every 3^rd policy year to boost the investment value of your policy.

Boost your policy’s investment value any time you wish
To better prepare against the rising cost of education, you can also opt to boost the investment value of your policy via single premium top-ups. With a minimum of RM1,000 per single premium top-up, we will direct 95% of it to unit funds to enhance your potential returns.

Plan ahead with flexible coverage terms
Depending on your child’s age, you can choose the appropriate policy term from 8 to 24 years, so that the education fund matures when it’s time for your child to go to college. At the end of your policy term, you will receive the total investment value of the plan to fund your child’s education.

Be protected against life’s uncertainties
Should death or TPD occur, the plan provides financial support with the payment of the Basic Sum Assured, along with the total investment value in accordance with the provisions of the policy.

Choose your own investment funds
SmartEducate Saver allows you to choose from a wide range of professionally managed investment funds to suit your risk appetite and investment style, as well as the flexibility to switch funds.

Note : Terms and conditions apply. You are encouraged to invest in SmartEducate Saver if your child is between 30 days attained age and 17 years next birthday.

LIST OF FUNDS

Lion Asia Pac Fund Seeks to provide long-term capital appreciation through investment in the equities markets of the Asia Pacific region (except Japan). Lion Balanced Fund Invests in a mixture of equities and fixed income securities, with a moderate level of volatility. Lion Enhanced Equity Fund Invests primarily in equities in Malaysia, which may be volatile in the short term. It may also partially invest in Singapore and Hong Kongif and when necessary, to enhance the fund�s returns. Lion Fixed Income Fund Invests in fixed income securities like government and corporate bonds with the balance in cash and cash equivalents, with low levels of volatility. Lion Progressive Fund Invests in a mixture of equities and fixed income securities, with a moderate to high level of volatility. Lion Strategic Fund Invests in a mixture of equities, fixed income securities and money market instruments, with a moderate level of volatility. Dana Gemilang Invests primarily in Shariah-approved equities in Malaysia, which may be volatile in the short term. It may also partially invest in Singapore and Hong Kong if and when necessary, to enhance the fund�s returns. Dana Sejati Invests in Shariah-approved fixed income securities like government and corporate bonds, with the balance in cash and cash equivalents, with low levels of volatility. Lion AU-i Fund Seeks to provide medium to long-term capital appreciation through investment in the equity indices of the Australia stock market. Lion UK-i Fund Seeks to provide medium to long-term capital appreciation through investment in the equity indices of the UK stock market. Lion US-i Fund Seeks to provide medium to long-term capital appreciation through investment in the equity indices of the US stock market. Note: Although Dana Gemilang and Dana Sejati invest in Shariah-approved securities, the investment-linked insurance plan that utilises these funds is not classified as a Shariah-compliant product.

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GLOSSARY OF TERMS

Charge/Fee Administrative and other charges made for the investment-linked insurance policy, including the policy fee and insurance charge, which are made periodically and paid for by the sale of units. The charges and fees are disclosed in the statements sent out to you. Fund Switching Should you feel that you would like to change the profile of your investment portfolio, you are allowed to switch your units from one unit fund to another. You can switch funds anytime at no additional cost. Fund Value The value of your current investment portfolio. For any given fund, it is the total value of all the units in your account and is calculated by multiplying the number of the fund units with the Net Asset Value. Investment Unit To calculate benefits, a unit fund is divided into individual investment units, each worth the same. Each unit is therefore an undivided share of the investment portfolio for that particular fund. Each person receives units depending on his or her investment. Your investment in any fund is based on the number of units in your account for that fund. Investment Value The value of your investment is calculated by multiplying the number of units with the Net Asset Value. Your total investment value is based on all the units for your policy. Net Asset Value The single price at which you buy the units in a unit fund and sells the units back to the unit fund. The Net Asset Value of each fund is determined daily after the valuation of the assets of that fund. Net Investment Premium The actual amount of your premium for investing in the fund account. Premium Allocation To invest in unit funds, a part of the premium paid under an investment-linked insurance policy is used. The premium allocation is the amount of your premium for investment. The premium allocation rate determines the proportion, or percentage, of your premiums that is used to invest in units. Policy Value How much your investment-linked insurance policy is worth. Unit Fund In a unit fund, the money from your investment-linked insurance policy�s premium is put in a pool along with other like-minded investors and invested over a range of investments. These can include stocks, bonds, cash, deposits and fixed income securities, amongst others. This mix of securities is called portfolio. There are several types of unit funds, each with a different mix of securities in its portfolio to suit different types of investors.

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