Overview of the benefits
Here’s how Smart Revive Max may help provide financial protection through different stages of life:
Your questions answered
1. What is investment-linked insurance?
Investment-linked insurance plan (ILP) combines life insurance coverage with investment opportunities. You are given the option of investing in wide range of investment-linked fund(s) that best suits your risk appetite. This type of policy allows you to build wealth while staying protected.
1. Who can apply?
The minimum entry age is 14 days attained age and the maximum entry age is subject to the coverage term chosen, as shown in the table below:
Coverage Term |
Maximum entry age |
Up to 70 years next birthday |
45 years next birthday |
Up to 80 years next birthday |
65 years next birthday |
Up to 90 years next birthday |
70 years next birthday |
1. How much sum assured can I purchase?
The minimum sum assured for this plan is RM500,000. All applications for Smart Revive Max are subject to the company's underwriting requirements.
1. What are some of the exclusions under the plan?
- No corresponding benefit is payable under the following circumstances:
- Death during the first policy year from the risk commencement date of the policy or the date of any reinstatement, whichever is later, as a result of suicide, while sane or insane;
- TPD caused directly or indirectly by self-inflicted injuries, while sane or insane;
- TPD that have existed prior to the risk commencement date of the policy or the date of any reinstatement, whichever is later;
- Pre-existing illness;
- Admission event as a result of specified illnesses occurring within the first 120 days from the risk commencement date or the date of any reinstatement, whichever is later.
Note: The exclusions highlighted here are not exhaustive. Full details are available in the policy document.
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Understand the details before buying
1 Terms and conditions apply.
2 Coverage for Total and Permanent Disability (TPD) is only applicable for TPD that occurs prior to the policy anniversary on which the life assured attains age 75 years next birthday.
3 The Admission Event Benefit is payable once only and is subject to a maximum aggregate payout of RM500,000 per life.
4 On the policy anniversary of age 65, 75, or 85 years next birthday, and every subsequent 10 years, depending on your entry age.
5Based on a coverage term of more than or equal to 35 policy years.
6 The maturity booster payout varies by coverage term. For coverage term of 90 years next birthday, the maturity booster will be payable if death occurs on or after the policy anniversary on which the life assured has attained age 80 years next birthday.
7 Maturity must not be later than the year in which you have attained age 80 years next birthday.
Smart Revive Max 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 insurance charges and policy fees; 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 17 November 2025.