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AmCommodity Stable
Disclaimer:
“All training materials which produced by AmAcademy in any forms / formats is purely training tools for internal agency programs of AmLife Insurance (Malaysia) Berhad. All or any part of the contents of this
materials shall not be used directly or indirectly for soliciting of insurance businesses, policy holder services and / or facilitating any form of communications with external party whatsoever.
This information is correct as at 21st May 2010.
Introduction
Introduction
Introduction
What is AmCommodity Stable?
Raw Material
100%
without any RISK
to principal.
CAPITAL
GUARANTEED
*TPD Benefits will be until 65 years old. Current TPD limit is 1 million per life.
Why AmCommodity Stable?
Case Study : Policyholder age 30 years old, with single premium of RM 100,000 dies on 2.5
years of policy. The sum assured for this policyholder will be RM 125,000.
Death
Single Premium Occur
of RM100,000
2.5
year
Inception 1 2 3 4
*Note: With the assumption that the unit value is lower than the Sum Assured at the time of death.
Why AmCommodity Stable?
2.36% Liquidity
On or after the 24th month but before the 36th month @ 2.00% of the Fund NAV
On or after the 36th month but before the 48th month @ 1.50% of the Fund NAV
On or after the 48th month but before the maturity date @ 1.00% of the Fund NAV
AmCommodity Stable
Underwriting Guideline
Entry Age (Age Next Birthday-ANB)
Minimum Age At Entry - Policyholder 16 years old
Minimum Age At Entry - Life Insured 30 days old
Maximum Age At Entry - Policyholder 70 years old
Maximum age at entry – Life insured 70 years old
Insurance Up To 25%
WAITING PERIOD
Death/TPD benefit (except for accidental causes)
6 months waiting period applied
Natural death
Within the 6 months waiting period, fund value less redemption fee will be returned
Suicide & Pre-existing conditions
12 months exclusion applied. If death/TPD occurs (due to suicide & pre-existing condition)
during this 12 months exclusion period, the value of units less redemption fee will be payable
Offer Periods
O :
FUND SIZE T
E N
RM 30 million OP Agency
Channel
OFFER PERIOD
45 days or RM30 million
reached, whichever is earlier
TERM
5 years
PLEASE CONTACT
CINDY BONG
0134381705
0164901313
Disclaimer:
“All training materials which produced by AmAcademy in any forms / formats is purely training tools for internal agency programs of AmLife Insurance (Malaysia) Berhad. All or any part of the contents of this
materials shall not be used directly or indirectly for soliciting of insurance businesses, policy holder services and / or facilitating any form of communications with external party whatsoever.
This information is correct as at 21st May 2010.