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Smart Legacy Max

Life Insurance

Smart Legacy Max

There is no greater legacy than inspiring endless possibilities

It is important to put precautionary measures in place to safeguard your loved ones against the risks they might encounter when you are no longer with them. Although you can't predict what the future will hold, with some thought and planning now, you can help protect and strengthen the future financial security of your loved ones or even generations to come.


With Smart Legacy Max, your concerns will be taken care of knowing that your loved ones will be protected by your forward planning. It is a limited pay investment-linked insurance policy with access to professionally managed unit funds with the benefit of life insurance and coverage up to age 100 years old next birthday. This will help provide a greater, brighter and more secure financial future for you and your loved ones.

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Key benefits


Protection with flexible payment term

Smart Legacy Max allows you to enjoy long-term coverage of up to age 100 next birthday with premium payment term of either 5, 10 or 20 years1 .


Additional 1% on sum assured yearly

With Smart Legacy Max, an additional sum assured of 1% of Basic Sum Assured is provided upon every completed policy year, up to a maximum of 30%1 .


Booster Reward

A booster reward of 12% Basic Sum Assured will be credited into your TIV2  provided the policy is in force and all premiums due are paid up to date1 .


Enjoy high protection against death/ TPD

With protection coverage starting from RM500,000, Smart Legacy Max helps ensure that you and your loved ones will not be financially burdened. Should death or TPD occur, the Basic Sum Assured, Additional Sum Assured and TIV will be paid out in accordance with the provisions of the policy1 .


Additional protection against Accidental Death

You can never know when the untoward may occur. To help secure the future for your nearest and dearest, an Accidental Death Benefit will be payable upon death due to accident prior to the policy anniversary of the attained age 70 years next birthday1


Security of No-Lapse Guarantee (NLG)

Smart Legacy Max comes with a ‘No-Lapse Guarantee’ in the first 6 policy years. This valuable feature ensures that your policy will continue to remain in force even if your TIV becomes zero, so long as the premiums are paid consistently3  and no withdrawal is made within the first 6 policy years1


Financial flexibility for a secure tomorrow

To safeguard your family’s financial security in the future, you can even bolster the resources you leave them with the option of boosting the investment value of your policy via single premium top-ups subject to a minimum of RM1,000 per top-up1


Boost protection with additional riders

You can enjoy greater peace of mind by attaching riders to your Smart Legacy Max plan1 .

How Smart Legacy Max works

Footnotes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Life Planning Advisor or have us call you back.