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SmartProtect Essential

Life Insurance

SmartProtect Essential

Comprehensive protection from as low as RM100 per month

SmartProtect Essential 3 (“SmartProtect Essential”) helps you to achieve your financial freedom with greater confidence. This affordable life protection plan allows you to work towards your personal goals and live the life you desire, while providing you with a personal safety net.


From as low as RM100 a month, you will enjoy comprehensive coverage against life’s unexpected events and a host of features that will help you save for the future. You can customise your protection plan with wide range of riders and coverage term options to create the ideal plan that will help you LIVE GREAT.

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Key benefits

Protection starting from just RM100 a month

Starting from just RM100 a month, this investment-linked insurance plan offers you life coverage and an investment allocation that grows over time1 .    

Various coverage term options to suit your life goals

SmartProtect Essential provides you coverage term options of up to age 70, 80 or 90 years next birthday. Your plan also comes with an automatic 10-year extension of coverage at maturity1 .

Additional 1% sum assured each year

An additional 1% of your basic sum assured will be provided to you upon every completed policy year, should death or TPD2 occur, up to a maximum of 30%1 .


Protection against death and TPD

Should death or TPD occur, the basic sum assured, additional sum assured and total investment value will be payable to you1


No-Lapse Guarantee as a safety net

SmartProtect Essential comes with a ‘No-Lapse Guarantee’ in the first 3 policy years. This valuable feature ensures that your policy will continue to remain in-force, even if your total investment value becomes zero, so long as premiums are paid consistently and no withdrawal is made within the first 3 policy years1 .


Boosted protection with optional riders

You can enjoy further peace of mind by attaching riders to your SmartProtect Essential plan1 .

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.

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