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SmartProtect Junior

Life Insurance

SmartProtect Junior

Chart a secure future for your child

As you look forward to growing your family with your child, it pays to plan ahead – the earlier, the better. That’s because you want to ensure your child is properly prepared against life’s uncertainties and is set to enjoy a bright future right from the start of their life.


With SmartProtect Junior and the rider, Smart Baby Shield, you can protect your little bundle of joy even before they are born, by providing long-term life insurance protection. At the same time, you will be preparing your child for a bright future with access to professionally managed investment funds. You can be rest assured that your child can grow up protected and prepared for the future.

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Key benefits

Protection with investment allocation

SmartProtect Junior gives you access to professionally managed unit funds on top of life coverage for your child until age 100 next birthday1 .

Additional 1% sum assured each year

Your sum assured grows by 1% of Basic Sum Assured with every completed policy year, should death or TPD occur, up to the end of the 30th policy year1 .

Protection against death or TPD

Should death or TPD occur to your child, the Basic Sum Assured, Additional Sum Assured, and Total Investment Value will be payable to you1 .


Maturity benefit

Once your policy matures, you will receive 100% of your Total Investment Value, as long as there are no unpaid premiums1 .


No-Lapse Guarantee

SmartProtect Junior comes with a No-Lapse Guarantee in the first 3 policy years, which ensures that your policy remains inforce even if your Total Investment Value becomes zero, so long as your premiums are paid consistently and no withdrawal is made within the first 3 policy years1 .


Waiver of partial withdrawal and full surrender charges

Partial withdrawal and full surrender charges will be waived upon death of your immediate family members2  while the charges are still applicable1 .


Financial flexibility for a secure tomorrow

SmartProtect Junior lets you tailor your protection and investment levels to further safeguard your child’s financial security in the future. You have the option of boosting the investment value of your policy via single-premium top-ups, subject to a minimum of RM1,0001 .


Boosted protection with additional optional riders

You can choose to add optional riders to your SmartProtect Junior plan, giving you greater peace of mind1 .

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.