SMART Legacy Global | Limited Pay Investment-linked Insurance Plan | Legacy Planning
SMART Legacy Global | Limited Pay Investment-linked Insurance Plan | Legacy Planning
Build a legacy that keeps up with the world
True wealth is not only measured by what you grow today, but by how you secure it for the generations to follow, even in changing global times.
Smart Legacy Global helps you build that resilience-first legacy with an international edge. You can index your sum assured to a major foreign currency of your choice, where it will be dynamically locked to the highest currency exchange rate throughout your entire policy term, regardless of market volatility.
Crafted for those who value both protection and prosperity, this plan provides strong life protection that bounces back even after partial withdrawals, along with intelligent features designed to keep your wealth growing through key policy milestones. You’ll enjoy loyalty bonuses every 10 years, as well as substantial maturity rewards of up to 300% of your premiums, plus additional maturity rewards.
With stability as its core principle, Smart Legacy Global ensures that your protection always retains its highest value, turning today’s wealth into a legacy for tomorrow and beyond.
View Product Brochure (English)
View Product Disclosure Sheet (English)
View Product Disclosure Sheet (Bahasa Malaysia)
Key benefits
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6 major currencies to freely choose from
It’s your legacy — you build it the way you like it. Smart Legacy Global gives you the freedom to choose your coverage in Ringgit Malaysia (RM) or other world’s leading foreign currencies: United States Dollar (USD), Singapore Dollar (SGD), Chinese Yuan Renminbi (CNY), British Pound Sterling (GBP), or Australian Dollar (AUD), with your coverage and benefits payable in an equivalent amount in RM.
From your 2nd policy year onwards, you can also switch your chosen currency to accommodate changing financial needs and priorities, at no additional charge1.
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Sum assured locked at the highest currency exchange rate, always
Your plan dynamically locks in the highest currency exchange rate throughout your policy term, ensuring your legacy always stays sheltered against market fluctuations1.
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100% premium allocation from the inception
With Smart Legacy Global, 100% of your premium will be allocated into your chosen funds from the very beginning, allowing you to build your wealth with confidence1.
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Flexible premium payment and coverage terms
Every legacy is unique, which is why this plan gives you the flexibility to tailor your protection to best meet your personal and financial aspirations. Choose between premium payment term options of 5, 10, or 20 years, and stay protected up to either age 80, 90, or 100 years next birthday1.
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Strong coverage for Death and Total and Permanent Disability (TPD)
Smart Legacy Global helps financially shield the ones you love should life take an unpleasant turn. In the unexpected event of death, your loved ones will receive whichever is higher between your inception sum assured, prevailing sum assured, or total investment value. Meanwhile, should you experience TPD prior to the policy anniversary where you turn age 75 years next birthday, you will receive the higher of inception sum assured or prevailing sum assured, less the total investment value2,1.
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Consistent legacy growth with loyalty bonuses
Smart Legacy Global rewards you for planning ahead for your family, with loyalty bonuses3 that keep your legacy growing in value over time. Every 10 years starting from your 10th policy year, up to 80% of your basic annualised premium4 will be credited into your Top-up Premium Account (TUPA) to celebrate policy milestones1.
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Up to 300% of your basic premium and more upon maturity
As a thank you for your enduring commitment, you’ll get to enjoy a hefty boost to your pool of wealth when your policy matures. You will receive up to 300% of your basic annualised premium4, plus 4% of your inception sum assured and total investment value (if any)5,1.
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Restoring protection with Cover Revive feature
Smart Legacy Global comes with the Cover Revive feature, in which your chosen sum assured will bounce back to its original amount before partial withdrawal, on the monthly due date of insurance charge or after 24 months from the partial withdrawal date, provided that no claim has been admitted on the life assured and subject to a maximum aggregate amount of RM250,000 per life. This way, you’ll have greater confidence that you can use your accumulated wealth anytime you need it — all without compromising your long-term protection1.
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High non-medical limit up to RM12 million
This plan sticks with you through thick and thin, covering you for up to RM12 million without the need for a medical check-up, depending on your entry age and health conditions1.
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Continuous coverage with no-lapse guarantee for the first 8 years
This valuable feature ensures that your policy will continue to remain in force even if your total investment value becomes zero for the first 8 policy years, so long as no withdrawal is made within that period, and premiums are paid consistently on each premium due date or during the grace period1.
Riders available
Rider |
Benefits |
IL Payer Benefit Extra Rider |
Waives premiums should death, disability or critical illness occur to the payer. |
IL Waiver of Premium on TPD Rider |
Waives premiums should disability occur to the life assured. |
IL Premium Waiver Extra Rider |
Waives premiums should disability or critical illness occur to the life assured. |
IL Premium Waiver on CI Rider |
Waives premiums should critical illness occur to the life assured. |
Terms and conditions apply.
Disclaimer:
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).
For existing policyholder, please talk to your servicing agent.
For non policyholder, send your inquiries by filling up your details here.
A Life Planning Advisor will get back to you within 48 hours.
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Call times are Monday-Friday between 8.30am and 5.15pm (except Public Holiday).
Understand the details before buying
1 Terms and conditions apply.
2 Chosen sum assured is the sum assured amount in the selected country’s currency. Inception sum assured (RM) is derived by multiplying your chosen sum assured with the inception currency exchange rate. Prevailing sum assured (RM) is derived by multiplying your chosen sum assured with the highest prevailing currency exchange rate since your policy’s risk commencement date. Inception currency exchange rate to be used shall be the currency exchange rate at the point of proposal submission. Prevailing currency exchange rate to be used shall be the middle rate published by Bank Negara Malaysia at the 5:00p.m. session on each business day.
3 Loyalty bonuses are only payable provided the policy is in-force and all premiums are paid up to date. If a partial withdrawal on Insurance Premium Account (IPA) is made before the bonus payout, the loyalty bonus will be reduced proportionately by the partial withdrawal amount from IPA over the total investment value at the time of partial withdrawal.
4The basic annualised premium excludes Single Premium Top-ups, Golden Age Enhancer and Great Saver Rider, if any.
5 The maturity bonus and additional maturity bonus are only payable provided the policy is in-force and all premiums are paid up to date. If a partial withdrawal on Insurance Premium Account (IPA) is made before the bonus payout, the maturity bonus and additional maturity bonus will be reduced proportionately by the partial withdrawal amount from IPA over the total investment value at the time of partial withdrawal. For policies with coverage term up to age 90, the maturity bonus is also payable if death occurs on or after the policy anniversary on which the life assured turns age 80 years next birthday. For policies with coverage term up to age 100, the maturity bonus is also payable if death occurs on or after the policy anniversary on which the life assured turns age 90 years next birthday.
Smart Legacy Global is a limited pay investment-linked insurance plan. Some of the choices of funds invest 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 until the end of the premium payment term, or until death 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 values 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 the fees and charges; and
c. the amount of premiums that have not been allocated;
minus the expenses incurred 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.
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 premiums, 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 revisions to insurance charges, the Company may vary the Basic Annual Premium and any regular investment top-ups 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.
This material 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. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life.
The terms “Great Eastern Life” and “the Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Great Eastern Life Assurance (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).
Information correct as on 15 April 2026.