You’ve worked hard to build your wealth.
Now it’s time for your wealth to work for you.
Whether your goal is to diversify your portfolio, maximise your savings, or generate additional income opportunities over time, Smart Wealth Global is a wealth accumulation plan designed to help your wealth unlock its full potential.
With a short premium payment term of just 5 or 10 years, you will enjoy multiple bonuses that enhance your policy value over time, together with the assurance of life protection up to the age of 100 years next birthday. From day one, you’ll get off to a strong start with 100% premium allocation, allowing your money to begin working immediately. Better yet, no medical examination is required when you choose this plan.
You’ll also gain access to a comprehensive selection of professionally- managed unit funds. You have the flexibility to choose or switch funds at any time, enabling you to align your investments with your evolving financial goals and risk preference. Each fund offers distinct objectives and opportunities, helping you to build a portfolio that supports your long-term goals.
With Smart Wealth Global, you can move forward with confidence, knowing that your wealth is steadily working towards a brighter future while you focus on what matters most. Because true financial freedom means having the flexibility to pursue opportunities wherever they may take you.
View Product Brochure (English)
View Product Disclosure Sheet (English)
View Product Disclosure Sheet (Bahasa Malaysia)
We believe in financial protection made accessible, which is why we’re extending this plan to you through a process with no health questions asked, even at an advanced age.1
Make the most out of your money with Smart Wealth Global, where 100% of your premiums will be allocated into your chosen fund(s) right from day one.1
To support your long-term wealth goals, your policy gets more rewarding over time. Starting from the 5th policy year, and every 5 years thereafter, a percentage of the total investment value (TIV) in your Insurance Premium Account (IPA) will be credited into your Top-Up Premium Account (TUPA) as a well-deserved loyalty bonus.1,2
Smart Wealth Global also marks key occasions with additional payouts, turning policy milestones into a celebration of your health and commitment.
To commemorate the end of your 30th policy year, an extra percentage of your TIV in IPA will be credited into your TUPA.
And for the big finish: when your policy matures, you’ll receive either prevailing sum assured (minus any withdrawals from your IPA) or your TIV in IPA, whichever is higher, together with any TIV in TUPA.1.2
Beyond growing your wealth, this plan also serves as an invaluable safety net to financially safeguard those dearest to you should misfortune suddenly befall.
In the unexpected event of death, or if you are afflicted with total and permanent disability (TPD) prior to the policy anniversary on which you turn age 75 next birthday, we support your loved ones with benefits payable under the policy.1
Stay protected up to age 100 years next birthday, short premium payment term of 5 or 10 years — whichever best fits your financial commitment and priorities.1
This plan gives you access to Lion Dividend Fund as part of its wealth-building capabilities. This is a feeder fund that aims to distribute monthly income, giving you the choice to retain this income within the policy or to receive it to meet any immediate financial needs.1,3
This valuable feature ensures that your policy will continue to remain in force even if your total investment value becomes zero for the first 8 policy years, so long as no withdrawal is made within that period, and premiums are paid consistently on each premium due date or during the grace period.1
Rider | Benefits |
IL GIO Payer Rider | Waives premiums should death or disability due to accidental cause occur to the payer. For non-accidental causes, premiums will be waived if the event occurs from the 3rd policy year onwards. |
IL Payer Benefit Extra Rider | Waives premiums should death, disability or critical illness occur to the payer. |
IL Premium Waiver on CI Rider | Waives premiums should critical illness occur to the life assured. |
Terms and conditions apply.
Disclaimer:
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).
For existing policyholder, please talk to your servicing agent.
For non policyholder, send your inquiries by filling up your details here.
A Life Planning Advisor will get back to you within 48 hours.
Thank you for your enquiry. Fill in your details below and a Life Planning Advisor will get back to you within 48 hours.
Call times are Monday-Friday between 8.30am and 5.15pm (except Public Holiday).
1Terms and conditions apply.
2Loyalty bonuses and booster bonus are only payable provided the policy is in force and all premiums are paid on the due date and within the grace period.
3Distribution of income is not guaranteed and is subject to the target fund’s distribution policy, market condition, and fund performance. Please refer to the Description of Funds in the brochure for details.
Smart Wealth Global 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 fees and charges; and
c. the amount of premiums have not been allocated, 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 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.
You may stop paying premiums (subject to premium holiday charge) and still enjoy protection as long as there is a sufficient total investment value to pay for the fees and charges, and supplementary benefit premiums, where applicable. However, there is a possibility of the policy lapsing when the required fees and charges, including rider charges, exceed the value of the fund units available. Purchasing too many unit deduction riders may deplete fund units.
In the event the actual sustainability of the policy is reduced due 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 the 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 above 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 14 September 2026.
