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SmartProtect Wealth 20

Life Insurance

SmartProtect Wealth 20

Greater living with wealth protection

Greater living is celebrating the best of life with the people closest to your heart. This is why you strive to provide a better life for them, one that allows them to realise their dreams while being free from financial adversity.


With SmartProtect Wealth 20, you have the opportunity to protect what is most precious to you, helping your loved ones carry on should the unexpected befall you. On top of high insurance coverage, this plan prioritises building your wealth by granting you access to a host of professionally managed unit funds, a flexible premium payment term and rewards to mark certain policy milestones.


You can never put a price on the happiness and wellbeing of the people you love – let SmartProtect Wealth 20 help you continue to put a smile on their faces for many years to come.

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Key benefits

20 years of protection with flexible premium payment terms

SmartProtect Wealth 20 covers you for 20 years, with the flexibility of selecting your preferred premium payment term of 5, 10 or 20 years1 .

Additional 1% sum assured each year

Your sum assured will grow by 1% every completed policy year throughout your coverage period, up to a maximum of 30 years1 .

High protection against death or TPD

With coverage starting from RM500,000, SmartProtect Wealth 20 helps ensure that you and your loved ones will not be financially burdened if the worst should happen1 .

Additional coverage for accidental death

Upon accidental death prior to the policy anniversary of attained age 70 years next birthday, your loved ones will receive an additional amount of your basic sum assured1  .

Additional benefits

Extension of coverage at maturity

Your SmartProtect  Wealth 20 plan comes with an automatic 10-year extension of coverage at maturity, which further extends your protection for 10-year periods, up to age 100 next birthday1,2  .

Booster reward to celebrate policy milestones

A booster reward of 12% of the basic sum assured will be credited3  into your TIV4  account, provided the policy is in-force and all premiums due5  are paid up-to-date.

Maturity benefit at the end of your policy term

Once your policy matures, you will receive 100% of your total investment value less indebtedness (if any)1 .

Security of No-Lapse Guarantee

SmartProtect  Wealth 20 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 TIV4  becomes zero, so long as your premiums are paid consistently and no withdrawals are made in the first 6 policy years1  .

Boosted protection with optional riders

You can enjoy further peace of mind by attaching various optional riders to your SmartProtect  Wealth 20 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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