Great Treasure Wonder is a dynamic endowment plan that is ideal for high achieving individuals like you. Be rewarded with generous survival benefits paid out every 6 months, starting from the end of the 1^st policy year, yearly non-guaranteed cash bonuses, an increasing basic sum assured starting from the 2^nd policy year onwards and maturity benefit of up to 160% of your basic sum assured. With all of it, you are being protected against the unexpected now!

Limited premium payment terms
Great Treasure Wonder offers limited premium payment terms to meet your financial commitments while you benefit from long term cash savings and protection. You can choose the following premium payment terms and policy terms depending on your needs and goals.

Policy Term	Premium Payment Term
20 years	5 or 10 years
25 years

Guaranteed stream of cash throughout policy term
Multiply your savings further with survival benefits paid out every 6 months, starting from the end of the 1^st policy year. Depending on your chosen policy term, you could receive up to 145% of your basic sum assured as survival benefits. You can opt to cash out your survival benefits or accumulate them with the Company for even bigger savings.

The survival benefits rates are as follows:

Policy Year	Survival Benefits (% of Basic Sum Assured)
	Policy Term
	20 years	25 years
1	5.0%	5.0%
2 - 5	2.5% every 6 months	2.5% every 6 months
6 - Maturity	3.0% every 6 months	3.0% every 6 months
Total	115%	145%

Increasing protection with additional sum assured
Your sum assured is guaranteed to grow incrementally (as shown in the table below) from the 2^nd policy year onwards up to 160% at no extra cost to you. With it, you will have better financial security.

Policy Year	Additional Sum Assured (% of Basic Sum Assured)
1	Nil
2	12.5%
3	25.0%
4	37.5%
5	50.0%
6 until maturity	60.0%

Cash bonuses
You get to boost your savings even further with yearly non-guaranteed cash bonuses from the end of the first policy year onwards. Just as with survival benefits, you can choose to cash out the cash bonuses or accumulate them with the Company to have a better payout upon maturity of the policy.

Others benefits include:

Accidental Death Benefit

Maturity benefit

Tax benefit

Note: Terms and conditions apply.

This dynamic savings plan pays you the basic sum assured, yearly guaranteed survival benefits plus yearly non-guaranteed cash bonuses to meet your financial commitments in life. On top of that, it increases your sum assured up to 150% for an even greater savings growth. To top it all off, you will enjoy protection against the unexpected.

Short-term premium payments, long-term savings and coverage
With Great Cash Wonder, you only pay premiums for a short period, yet you will enjoy protection and see your savings accumulate to fulfill your needs in life. Pick and choose your own policy term, which best suits you in enhancing your financial security.

Policy Term	Premium Payment Term
	5 years	10 years
20 years
25 years	-

Receive guaranteed survival benefits of up to 145% of the basic sum assured
Starting from the end of the first policy year, Great Cash Wonder pays you an annual guaranteed survival benefit in addition to the basic sum assured. Best of all, you can receive up to 145% of the basic sum assured depending on the policy term chosen. You can take out this cash benefit to fund your immediate goals or accumulate it with the Company.

The survival benefit rates are as follows:

Policy Year	Survival Benefit (% of Basic Sum Assured)
	20 years	25 years
1 - 5	5%	5%
6 - Maturity	6%	6%
Total	115%	145%

Cash bonuses to boost your savings further
Great Cash Wonder also helps grow your savings with a yearly non-guaranteed cash bonus starting from the end of the first policy year. You can opt to spend it on yourself and your loved ones, or leave it with the Company to generate a bigger payout at the maturity of the plan. This extra pool of money will make it even easier for you to meet your needs.

Up to 150% of basic sum assured for more financial security
From the second policy year onwards, your sum assured will grow incrementally, as shown in the following table, up to 150% of the basic sum assured at no extra cost to you. This will increase your savings pool by the time your policy matures.

Policy Year	Additional Sum Assured (% of Basic Sum Assured)
1	Nil
2	10%
3	20%
4	30%
5	40%
6 - Maturity	50%

Note: Terms and conditions apply.

This means that you only need to pay for your policy over a limited period of time, but you will enjoy the benefits of the policy for the entire policy duration.

Pay short term for long-term benefits
With Great Income Plus, you only need to pay premiums for 10 years, yet you will receive protection up to the age of 70 years next birthday. That's not all; you will also receive the survival benefit that is payable yearly starting from the end of the 10^th policy year until maturity. So what you get is recurring income without the commitment of a prolonged premium payment term.

Get 4% of your basic sum assured every year to spend on yourself or loved ones
Starting from the end of the 10^th policy year, the Company will pay you the survival benefit of 4% of the basic sum assured each year until death, TPD, surrender, maturity or termination of the policy, whichever occurs first.

Yearly cash bonuses
On top of the survival benefits, you will also receive non-guaranteed yearly cash bonuses, which you can choose to spend now or use to generate a bigger payout in the future.

Your policy value increases with additional sum assured
Starting from 2^nd policy year onwards or should an unexpected event happen, you will receive an additional payout based on a percentage of the basic sum assured as shown in the table below:

Policy Year	Additional Sum Assured (% of Basic Sum Assured)
1	Nil
2	10%
3	20%
4	30%
5	40%
6 until maturity	50%

For example, if your policy coverage is RM500,000 and death occurs in policy year 2, your nominee will receive an additional RM50,000 on top of the RM500,000 that you were insured for.

Protect your loved ones with accidental death benefit
Should accidental death occur before the age of 65 years next birthday, your loved ones will receive an additional 100% of the total of the basic sum assured and any applicable additional sum assured. They will be able to use this extra pool of funds to carry on with their lives.


Note: Terms and conditions apply.

Although the cost of education is on the rise, it's never too late to start saving to fulfil your dreams for your child. Great EduPlanner helps you show how much you care for your child's future by helping to build an education fund. On top of that, it provides the additional benefit of protection against life's uncertainties to ensure your child enjoys a more secure tomorrow.

Bonuses to boost your child's education fund
Great EduPlanner is an endowment plan that allows you to participate in Great Eastern's surplus (if any) in the form of compound reversionary bonus (CRB) (if any) and terminal bonus (if any). This means that you may receive additional lump sum of cash at the end of the policy term for your child's education expenses.

Wider protection with limited premium payment term
With Great EduPlanner, you can enjoy longer coverage with a shorter premium payment term. Depending on your needs, you have the option to choose a plan of 15 or 20 years to boost your rainy-day funds for your child's education.

Policy Term	Premium Payment Term
20 years	15 years
25 years	20 years

Any parent or legal guardian of a child between 30 days attained age and 16 years next birthday can apply for Great EduPlanner.

the additional benefit of protection against life's uncertainties.

Great Cash Gain not only allows you to choose your policy period, but also how long you pay premiums. With it, you can save up for tomorrow's dreams while enjoying the life you want today, knowing you are protected.

Choose your own payment and policy terms
Great Cash Gain offers the flexibility to meet your unique needs and fulfil your goals in life. It allows you to balance your savings objective for tomorrow's dreams with your current financial and protection needs. Take your pick of the following premium payment terms and policy terms which best suit you:

Be protected against life's uncertainties
You are not only saving for a brighter tomorrow, but also ensuring you can enjoy each day with peace of mind. In the event of death or TPD, your loved ones will receive the basic sum assured, additional sum assured (if any), accumulated survival benefits (if any), cash bonus (including any accumulated cash bonus), if any, and terminal bonus (if any), in accordance with the provisions of the policy. This will go a long way towards ensuring they have the financial means needed to support your own and your family's needs.

Additional sum assured to secure your finances
Upon the maturity of the policy or should an unexpected event happen to you such as death or TPD, this plan will pay out an additional sum assured based on a percentage of the basic sum assured as shown in the table below:

Save up more with survival benefit
During the last 5 policy years of your chosen policy term, you may receive a percentage of the basic sum assured yearly to boost your savings. You have the option to spend it on yourself or your loved ones, or leave it with the Company to generate a bigger payout at the maturity of the plan.

The survival benefit rates are as follows:

Others benefits include:

Death benefit

Accidental death benefit

Non-guaranteed cash bonuses

Enhanced protection with optional riders

Maturity benefit

Tax benefit

At the end of your premium payment term, the Company will pay you a guaranteed survival benefit as a percentage of the basic sum assured each year until your plan matures.

What’s more, your loved ones will receive the sum assured should an unexpected event happen to you, ensuring that they have the financial resources they need to carry on.

Enjoy guaranteed survival benefit
Elite Builder offers a guaranteed survival benefit annually starting from the end of your premium payment term, where this cash payout doesn’t affect your basic sum assured, which you will receive upon maturity of the plan. The best part is, the survival benefit is doubled at every 5^th year of your policy term, which will entitle you to an additional 4% of your basic sum assured. Depending on the policy term chosen, you could receive up to 104% of your basic sum assured.

Here’s an illustration of how your guaranteed survival benefit is paid out over time:

Upon survival of the Life Assured to the end of Policy Year	Policy Term (years)
	30	40
	% of Basic Sum Assured
1 – 19	N/A	N/A
20	8%	8%
21 – 24	4%	4%
25	8%	8%
26 – 29	4%	4%
30	8%	8%
31 – 34	N/A	4%
35		8%
36 – 39		4%
40		8%
TOTAL	56%	104%

Note: The survival benefit is payable provided that the premium payment term is completed.

Cash bonuses to top it off
Elite Builder doesn’t just guarantee you the survival benefit every year; there is a good possibility that you’ll be entitled to non-guaranteed cash bonus too. Choose to spend it on yourself or your loved ones, or leave it with the Company to generate a bigger payout in the future.

See your protection value increase with additional sum assured
From the 3^rd policy year onwards, Elite Builder increases your protection value gradually without you having to pay additional premium. Should any untoward event happen to you, such as death or TPD, an additional sum assured will be paid out ensuring that your loved ones will be able to carry on with added peace of mind.

Policy Year	Additional Sum Assured (% of Basic Sum Assured)
1st - 2nd	Nil
3rd - 4th	10%
5th - 6th	20%
7th -  8th	30%
9th - 10th	40%
Thereafter	50%

Be protected with accidental death benefit
Should accidental death occur within the policy term and before the age of 65 years next birthday, your loved ones will receive an additional 100% of the total of the basic sum assured and any applicable additional sum assured. You can rest assured that your loved ones will not be caught unprepared should an unexpected happen to you.

Bigger protection, limited premium payment term
Best of all, with Elite Builder, you do not need to commit to a prolonged premium payment term. You only need to pay premiums for 20 years, and it can secure your protection for 30 or 40 years.


Note: Terms and conditions apply.

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

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 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 be 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.

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 the benefits payout in accordance 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 be 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.