Great Eastern Life Assurance (Malaysia) Berhad: MR Engineer

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
MR Engineer
Plan Type
Great Flexi Plus
PRESENTED BY : LEONG SZE YEN (6644276)

DATE PREPARED : 20/04/2020
Great Eastern Life Assurance (Malaysia) Berhad (93745-A)
Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur
+603 4259 8888
+603 4259 8000
wecare-my@greateasternlife.com
greateasternlife.com
Name of Insurer : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("the Company")
Product Name : Great Flexi Plus
Type of Policy : Universal Life Endowment
Client Details
Client's Name : MR Engineer Premium Mode : Yearly
Sex : Male Guaranteed Cash : Cash Withdrawal
Smoker : No Payment Option
Age Next Birthday : 30
Occupation Class :1
Yearly
Yearly Yearly
Sum Assured Extra Mortality Total
Plan Term Premium Extra Premium
(RM) (%) Premium
(RM) (RM)
(RM)
Basic Plan:
0474 UL-GFP 30 Not Applicable* 0.00 2,400.00 0.00 2,400.00
Total 2,400.00 0.00 2,400.00
All premium payable by a Business Organisation other than Great Eastern Life Assurance (Malaysia) Berhad, are subject to the prevailing
government service tax.
* Please refer to the SALES ILLUSTRATION TABLE OF BASIC PLAN and full notes as appeared in the section on Product Disclosure
Sheet for the details of benefits payable.
What you should know? What you should be aware of?
____________________________________________________________________________________________________________________
Prepared by : LEONG SZE YEN(6644276)
Date : 20/04/2020
Version : MPOS 5.20.6-3 Page 2 of 31
SALES ILLUSTRATION TABLE OF BASIC PLAN
This table shows the amount of premium you will be paying each year and the yearly cash flow on your policy until the end of
the policy period.
How much are What can you cash out
you paying? periodically?
Benefits upon Survival

End of Policy Year Premium Paid Each Year (A) Age at End of Policy Year
Guaranteed Cash Payment Each Year
1 2,400.00 480.00 31
2 2,400.00 480.00 32
3 2,400.00 480.00 33
4 2,400.00 480.00 34
5 2,400.00 480.00 35
6 2,400.00 480.00 36
7 2,400.00 480.00 37
8 2,400.00 480.00 38
9 2,400.00 480.00 39
10 2,400.00 480.00 40
11 2,400.00 960.00 41
12 2,400.00 960.00 42
13 2,400.00 960.00 43
14 2,400.00 960.00 44
15 2,400.00 960.00 45
16 2,400.00 960.00 46
17 2,400.00 960.00 47
18 2,400.00 960.00 48
19 2,400.00 960.00 49
20 2,400.00 960.00 50
25 0.00 1,440.00 55
30 0.00 1,440.00 60
____________________________________________________________________________________________________________________
Date : 20/04/2020
How do the benefits compare against the total premiums paid to date?
How much How much is How much will you receive if
premium you paid to the you cancel the policy early?
would have paid? intermediaries?
Total Surrender
Total Premium
Distribution (B) (C) = (B) - (K)
Paid To Date
Cost To Date Non-Guaranteed
[refers to
[refers to
End of cumulative Total Surrender Value (After Age at End of
cumulative Account 1 Value
Policy Year premium to be Surrender Charge) Policy Year
distribution
paid from
cost to be paid
policy Scenario X Scenario Y Scenario X Scenario Y
from policy
inception]
inception]
1 2,400.00 1,560.00 41 61 36 54 31
2 4,800.00 2,520.00 499 557 454 506 32
3 7,200.00 3,144.00 1,308 1,436 1,203 1,321 33
4 9,600.00 3,624.00 2,354 2,594 2,189 2,412 34
5 12,000.00 3,864.00 3,667 4,073 3,446 3,828 35
6 14,400.00 4,104.00 5,254 5,893 4,991 5,598 36
7 16,800.00 4,104.00 7,244 8,202 6,954 7,873 37
8 19,200.00 4,104.00 9,278 10,648 8,999 10,328 38
9 21,600.00 4,104.00 11,357 13,241 11,129 12,976 39
10 24,000.00 4,104.00 13,482 15,988 13,347 15,828 40
11 26,400.00 4,104.00 15,174 18,419 15,174 18,419 41
12 28,800.00 4,104.00 16,903 20,997 16,903 20,997 42
13 31,200.00 4,104.00 18,669 23,731 18,669 23,731 43
14 33,600.00 4,104.00 20,474 26,632 20,474 26,632 44
15 36,000.00 4,104.00 22,319 29,708 22,319 29,708 45
16 38,400.00 4,104.00 24,204 32,968 24,204 32,968 46
17 40,800.00 4,104.00 26,131 36,422 26,131 36,422 47
18 43,200.00 4,104.00 28,100 40,083 28,100 40,083 48
19 45,600.00 4,104.00 30,113 43,962 30,113 43,962 49
20 48,000.00 4,104.00 32,172 48,073 32,172 48,073 50
25 48,000.00 4,104.00 27,879 49,923 27,879 49,923 55
30 48,000.00 4,104.00 23,181 52,192 23,181 52,192 60
Benefit Payable Upon Maturity

The estimated amount that will be paid on the maturity date of the policy which falls on your 30th policy anniversary is illustrated as
follows:
Guaranteed Non-Guaranteed
(a) (b) (c) (d) = (b) + Max{a,c}
Total
Premium Minimum Total Benefit Payable Upon
Account 1 Value
Paid amount Final Year Maturity*
payable upon GCP
Scenario X Scenario Y Scenario X Scenario Y
maturity
48,000 21,600 1,440 23,181 52,192 24,621 53,632
If you cancel the policy before the maturity period, the amount that you receive may be much less than the total
amount of premium that you have paid.
*This is the total amount payable to you at maturity. This amount is already inclusive of any guaranteed benefits payable.
____________________________________________________________________________________________________________________
Date : 20/04/2020
Projected Crediting Rate
- The returns of X% and Y% have been used respectively to represent the range of possible Crediting Rate to the
Account Values.
- The assumed projected net Crediting Rates used in all sales illustration tables are:
Projected Net Crediting Rate* (p.a.)
Scenario X Scenario Y
Policy Year 1-30 Policy Year 1-20 Policy Year 21-30
2.32% 6.00% 3.93%
* after deduction of investment tax and Crediting Spread
- The illustrations shown are based on the projected Crediting Rates. These rates are used purely for illustration
purposes to show the variability of non-guaranteed benefits under the different investment scenarios and are not
guaranteed. They do not represent upper and lower limits on the investment performance and are not the actual
returns earned on the actual premiums paid for the life insurance product. The actual Crediting Rate will fluctuate (ie.
rise or fall) monthly based on the performance of the asset investments. A higher credited return may be credited if
the investments have performed well and conversely, a lower or negative credited return may be credited if the
investments have performed poorly. A negative Crediting Rate will result in a reduction of Account Value.
- The investment is classified under the medium-risk category as it diversifies into equities and fixed income securities.
The returns from the investment are not guaranteed and are subject to, but not limited to, market risk, foreign
currency risk and interest rate risk.
- The actual Crediting Rates are NOT GUARANTEED and the past investment performance of the fund is not an
indication of its future performance. The actual Crediting Rates will be determined at the discretion of the
Company.
- Crediting Rate is credited every month into Account 1 and Account 2 and is determined based on investment return
for each calender month after deducting investment tax and Crediting Spread. The Company may determine and
credit the Crediting Rate more frequently than once a month.
Total distribution cost is the amount received by the intermediary for the sale of this policy and services that the
intermediary will provide to you for the duration of your policy. This amount also includes the amount that the
intermediary may be entitled to for the duration of your policy provided that the intermediary meets the performance
criteria set by the company.
____________________________________________________________________________________________________________________
Date : 20/04/2020
How much How much is the What is payable upon
premium you periodical benefit you death?
would have paid? have received?
Total Premium Total Guaranteed Death Benefits

Paid To Date Cash Payment To (D) (E) = Max{D,B}
[refers to Date [refers to Guaranteed Non-Guaranteed
End of Policy Age at End of
cumulative cumulative GCP
Year Total Death Benefit* Policy Year
premium to be to be received Prevailing Sum
paid from policy from policy Assured Scenario X Scenario Y
inception] inception]
1 2,400.00 480.00 2,040 2,040 2,040 31
2 4,800.00 960.00 4,080 4,080 4,080 32
3 7,200.00 1,440.00 6,120 6,120 6,120 33
4 9,600.00 1,920.00 8,160 8,160 8,160 34
5 12,000.00 2,400.00 10,200 10,200 10,200 35
6 14,400.00 2,880.00 12,240 12,240 12,240 36
7 16,800.00 3,360.00 14,280 14,280 14,280 37
8 19,200.00 3,840.00 16,320 16,320 16,320 38
9 21,600.00 4,320.00 18,360 18,360 18,360 39
10 24,000.00 4,800.00 20,400 20,400 20,400 40
11 26,400.00 5,760.00 21,960 21,960 21,960 41
12 28,800.00 6,720.00 23,520 23,520 23,520 42
13 31,200.00 7,680.00 25,080 25,080 25,080 43
14 33,600.00 8,640.00 26,640 26,640 26,640 44
15 36,000.00 9,600.00 28,200 28,200 29,708 45
16 38,400.00 10,560.00 29,760 29,760 32,968 46
17 40,800.00 11,520.00 31,320 31,320 36,422 47
18 43,200.00 12,480.00 32,880 32,880 40,083 48
19 45,600.00 13,440.00 34,440 34,440 43,962 49
20 48,000.00 14,400.00 36,000 36,000 48,073 50
25 48,000.00 21,600.00 28,800 28,800 49,923 55
30 48,000.00 28,800.00 21,600 23,181 52,192 60
Upon death, you may only receive benefit from either (E) Total Death Benefit, (H) Total Death Benefit (Accidental
Causes) or (I) Total Death Benefit (Accidental Causes - Public Conveyance); depending on the cause of death.
*This is the total amount payable to you upon TPD prior to the policy anniversary on which the life assured attains age
70 years next birthday or death. This amount is already inclusive of any guaranteed benefits payable.
____________________________________________________________________________________________________________________
Date : 20/04/2020
How much
How much is the What is payable upon
premium you
periodical benefit you death due to accidental
would have paid?
have received? causes?
Total Death Benefits (Accidental Causes)

Total Guaranteed (F) (G) (H) = (E) + (F) (I) = (E) + (F) + (G)
Premium Cash Guaranteed Non-Guaranteed
Paid To Date Payment To
[refers to Date [refers Prevailing Total Death Benefit Age at End
End of Total Death Benefit
cumulative to Prevailing Sum (Accidental Causes - of Policy
Policy Year (Accidental Causes)
Sum Assured Public Conveyance)
premium to cumulative Year
be paid GCP to be Assured (Accidental
from policy received (Accidental Causes -
inception] from policy Causes) Public
inception] Conveyance) Scenario X Scenario Y Scenario X Scenario Y
1 2,400.00 480.00 2,040 2,040 4,080 4,080 6,120 6,120 31
2 4,800.00 960.00 4,080 4,080 8,160 8,160 12,240 12,240 32
3 7,200.00 1,440.00 6,120 6,120 12,240 12,240 18,360 18,360 33
4 9,600.00 1,920.00 8,160 8,160 16,320 16,320 24,480 24,480 34
5 12,000.00 2,400.00 10,200 10,200 20,400 20,400 30,600 30,600 35
6 14,400.00 2,880.00 12,240 12,240 24,480 24,480 36,720 36,720 36
7 16,800.00 3,360.00 14,280 14,280 28,560 28,560 42,840 42,840 37
8 19,200.00 3,840.00 16,320 16,320 32,640 32,640 48,960 48,960 38
9 21,600.00 4,320.00 18,360 18,360 36,720 36,720 55,080 55,080 39
10 24,000.00 4,800.00 20,400 20,400 40,800 40,800 61,200 61,200 40
11 26,400.00 5,760.00 21,960 21,960 43,920 43,920 65,880 65,880 41
12 28,800.00 6,720.00 23,520 23,520 47,040 47,040 70,560 70,560 42
13 31,200.00 7,680.00 25,080 25,080 50,160 50,160 75,240 75,240 43
14 33,600.00 8,640.00 26,640 26,640 53,280 53,280 79,920 79,920 44
15 36,000.00 9,600.00 28,200 28,200 56,400 57,908 84,600 86,108 45
16 38,400.00 10,560.00 29,760 29,760 59,520 62,728 89,280 92,488 46
17 40,800.00 11,520.00 31,320 31,320 62,640 67,742 93,960 99,062 47
18 43,200.00 12,480.00 32,880 32,880 65,760 72,963 98,640 105,843 48
19 45,600.00 13,440.00 34,440 34,440 68,880 78,402 103,320 112,842 49
20 48,000.00 14,400.00 36,000 36,000 72,000 84,073 108,000 120,073 50
25 48,000.00 21,600.00 28,800 28,800 57,600 78,723 86,400 107,523 55
30 48,000.00 28,800.00 21,600 21,600 44,781 73,792 66,381 95,392 60
You may only receive the guaranteed amount upon death due to accidental causes or death due to accidental causes
(Public Conveyance).
Upon death, you may only receive benefit from either (E) Total Death Benefit, (H) Total Death Benefit (Accidental
Causes) or (I) Total Death Benefit (Accidental Causes - Public Conveyance); depending on the cause of death.
____________________________________________________________________________________________________________________
Date : 20/04/2020
This table shows the allocated premium, unallocated premium and charges for this policy.
Charges
Premium (J) (K) (L) Age at End
End of Unallocated Allocated
Paid Each Non-Guaranteed of Policy
Policy Year Premium Premium
Year Insurance Charge Surrender Charge Year
Policy Fee
Scenario X Scenario Y Scenario X Scenario Y
1 2,400.00 1,802.40 597.60 4.98 4.96 4.10 6.10 84 31
2 2,400.00 1,392.00 1,008.00 8.99 8.90 44.91 50.13 84 32
3 2,400.00 1,056.00 1,344.00 12.44 12.24 104.64 114.88 84 33
4 2,400.00 840.00 1,560.00 15.36 15.06 164.78 181.58 84 34
5 2,400.00 600.00 1,800.00 18.00 17.41 220.02 244.38 84 35
6 2,400.00 360.00 2,040.00 20.40 19.47 262.70 294.65 84 36
7 2,400.00 0.00 2,400.00 22.46 21.00 289.76 328.08 84 37
8 2,400.00 0.00 2,400.00 24.35 22.14 278.34 319.44 84 38
9 2,400.00 0.00 2,400.00 26.57 23.22 227.14 264.82 84 39
10 2,400.00 0.00 2,400.00 28.70 23.90 134.82 159.88 84 40
11 2,400.00 0.00 2,400.00 31.29 24.42 0.00 0.00 84 41
12 2,400.00 0.00 2,400.00 33.33 23.72 0.00 0.00 84 42
13 2,400.00 0.00 2,400.00 35.68 22.46 0.00 0.00 84 43
14 2,400.00 0.00 2,400.00 38.04 20.03 0.00 0.00 84 44
15 2,400.00 0.00 2,400.00 40.38 18.40 0.00 0.00 84 45
16 2,400.00 0.00 2,400.00 43.01 19.44 0.00 0.00 84 46
17 2,400.00 0.00 2,400.00 45.01 20.28 0.00 0.00 84 47
18 2,400.00 0.00 2,400.00 46.97 21.24 0.00 0.00 84 48
19 2,400.00 0.00 2,400.00 48.51 22.32 0.00 0.00 84 49
20 2,400.00 0.00 2,400.00 49.59 23.28 0.00 0.00 84 50
25 0.00 0.00 0.00 31.92 19.08 0.00 0.00 84 55
30 0.00 0.00 0.00 14.52 14.52 0.00 0.00 84 60
____________________________________________________________________________________________________________________
Date : 20/04/2020
IMPORTANT NOTES
1. You should satisfy yourself that this plan will best serve your needs and that you can afford the premium. If you need clarification,
please contact us or the intermediary.
2. This is for illustration purpose only. The Company at its absolute discretion shall determine the terms of acceptance that may be
offered.
3. If No-Lapse Guarantee is forfeited due to non-payment of premium, your policy will lapse / terminate if there are not enough value in
your Account 1 and Account 2 to pay the charges. Your Account Value may not be enough over the years due to:-
- Poor investment performance.
- Non-payment of premiums over a period of time.
4. Account Value
- Account Value refers to the value the policyholder is entitled to from the investment. The Company may invest the assets of the
account in the manner determined by the Company. Income generated from the investment after deducting investment tax and
crediting spread will be credited into the account as credited return.
- The allocated premium (excluding any rider(s) premium and advance premium paid) will be allocated to Account 1. The
Guaranteed Cash Payment and all charges applicable to this policy, eg. insurance charges and policy fees shall be deducted from
Account 1.
- In the event reinvestment option for Guaranteed Cash Payment is selected, the Guaranteed Cash Payment will be allocated to
Account 2. If value from Account 1 is insufficient to cover the insurance charges and policy fees, those charges will be deducted
from Account 2.
- Account 2 Value, if any, can be withdrawn at anytime without any charge imposed. Only full withdrawal is allowed.
5. Prevailing Sum Assured

Prevailing Sum Assured is the (percentage (%) of total Basic Premium paid) less total Guaranteed Cash Payment paid, that is
payable in the event of death or TPD.
6. Premiums Paid
This is the amount that you pay for this policy, excluding any advance premium paid.
- Basic Plan
Not all of the amount paid for basic plan will be invested into Account 1. Please see the explanation on unallocated and allocated
premium below.
- Riders/Supplementary Benefits
Premiums paid for rider(s) will not be allocated into Account 1.
7. Unallocated Premium
- The unallocated premium is an upfront charge on the premium paid and is used to meet the the Company's expenses and total
distribution cost, including the commissions payable to the intermediary.
8. Allocated Premium
- This is the amount of premium for basic plan (excluding any rider(s) and advance premium paid) that will be allocated into
Account 1:
Policy Year 1 2 3 4 5 6 7 & onwards
Premium 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00
(%) 24.90% 42.00% 56.00% 65.00% 75.00% 85.00% 100.00%
Allocated Premium
(RM) 597.60 1,008.00 1,344.00 1,560.00 1,800.00 2,040.00 2,400.00
- The allocation rates for basic plan's extra premium is 100% for all years.
9. Charges
The illustrated insurance and other charges are based on current levels. These charges are non-guaranteed and the Company
reserves the right to revise these charges by giving you at least 3 months' advance notification.
i. Insurance Charge
- Insurance charges will be deducted monthly from Account 1. In the event Account 1 Value is insufficient, the insurance charges
will be deducted from Account 2, provided reinvestment option is selected. The insurance charge is for insurance coverage of
death and TPD due to all causes and varies by the attained age next birthday, gender and smoking status, where applicable.
The insurance charges will increase as you grow older.
- For Death Benefit, when the Prevailing Sum Assured is more than Account 1 Value at the beginning of a policy month (after
deducting the monthly policy fee and adding the Allocated Premium (if any) of the month), the difference will be subject to an
insurance charge.
- For Additional Accidental Death Benefit and Additional Accidental Death Benefit - Public Conveyance, insurance charge will be
based on the respective Prevailing Sum Assured.
____________________________________________________________________________________________________________________
Date : 20/04/2020
ii. Surrender Charge
- Surrender charge applies to Account 1 upon surrender or reduction of premium of the basic plan.
- The Surrender Charge scale is as per below:
Surrender Charge
Policy Year
(% of Account 1 Value being surrendered)
1 10%
2 9%
3 8%
4 7%
5 6%
6 5%
7 4%
8 3%
9 2%
10 1%
11 onwards 0%
iii. Policy Fee

- An administration charge of RM7 will be deducted monthly from Account 1. In the event Account 1 Value is insufficient, the
same will be deducted from Account 2, provided reinvestment option is selected.
iv. Crediting Spread

- Crediting spread is 0.9% per annum. It will be deducted monthly from the investment return prior to crediting the credited return
into Account 1 and Account 2.
10. In the case of a collateral policy where the benefit payout (inclusive of non-guaranteed benefits) at maturity is designated for
settlement of a credit facility, please note that the actual maturity payout may not be sufficient to cover the outstanding loan amount
after taking into account the variability of non-guaranteed benefits.
All figures presented are in RM (Errors and omissions excepted).
Disclaimer: This document is intended for your general information only. It does not contain exhaustive information relating to the subject
matter.
If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this document, the English version shall
prevail.
____________________________________________________________________________________________________________________
Date : 20/04/2020
Engineer Product Disclosure Sheet
Note: Please read this Product Disclosure Sheet before you decide to take up Great Flexi Plus. Be sure to also read the general terms
and conditions.
Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("the Company")
Name of Product : Great Flexi Plus
Date : 20/04/2020
1. What is this product about?

Great Flexi Plus is a limited pay universal life endowment plan with 30-year coverage term that provides annual Guaranteed Cash
Payment starting from the end of the first policy year. This product offers a combination of investment and protection against death or
Total and Permanent Disability (TPD).
2. What are the covers / benefits provided?

The Basic Annualised Premium for this plan is RM2,400.00
· Death Benefit
In the event of death of the life assured or in the event of TPD prior to the policy anniversary on which the life assured attains age
70 years next birthday, the following will be payable:
i. The higher of:
a) Prevailing Sum Assured equivalent to (105% of total Basic Premium paid) less total Guaranteed Cash Payment paid; or
b) Account 1 Value; and
ii. Any Account 2 Value.
Payment of TPD benefit is subject to the following conditions:

- If Account 1 Value exceeds Prevailing Sum Assured, 100% of Account 1 Value is payable in one lump sum and the policy will
be terminated.
- If Account 1 Value is lower than Prevailing Sum Assured, Account 1 Value is payable in one lump sum and the excess of
Prevailing Sum Assured over Account 1 Value (Net Sum Assured) not exceeding RM10,000,000 shall be paid in 3 annual
instalments with the first being a lump sum of the Net Sum Assured or RM2,000,000 whichever is lesser, and the balance of
the Net Sum Assured (if any), will be payable in two equal annual instalments. Any further balance of Net Sum Assured
thereafter, shall be payable upon death of the Life Assured or upon maturity of this policy.
- In addition, the Guaranteed Cash Payment reinvested in Account 2, if any, shall be payable in one lump sum.
- The maximum TPD Benefit payable under this and all policies (including riders) on the same life is RM10,000,000 per life
(excluding group policies).
· Additional Accidental Death Benefit

In the event the death of the life assured is due to accidental causes prior to policy anniversary on which the life assured attains
age 70 years next birthday, the Company will pay an additional Prevailing Sum Assured equivalent to (105% of total Basic
Premium paid) less total Guaranteed Cash Payment paid, on top of the Death Benefit.
· Additional Accidental Death Benefit-Public Conveyance

In the event the death of the life assured is due to accidental causes prior to policy anniversary on which the life assured attains
age 70 years next birthday, resulted:
i. while traveling in a public conveyance (other than a cable car, taxi, hired car or any form of transport chartered for private
travel); or
ii. while riding as a passenger in an elevator or electric lift; or
iii. in consequence of the burning of any theatre, cinema, hotel or other public building in which the life assured shall be present
at the time of commencement of the fire;
the Company will pay an additional Prevailing Sum Assured equivalent to (105% of total Basic Premium paid) less total
Guaranteed Cash Payment paid, on top of the Death Benefit and the Additional Accidental Death Benefit.
· Guaranteed Cash Payment

- Guaranteed Cash Payment is payable from Account 1, regardless of the value of Account 1 provided all premiums due and
overdue premium interests are paid up to date.
- Guaranteed Cash Payment will be payable at the end of each policy year in the following manner:
End of Policy Year % of Basic Annualised Premium
1 - 10 20%
11 - 20 40%
21 - maturity 60%
- Two options are available in relation to Guaranteed Cash Payment:
Cash withdrawal - To receive the Guaranteed Cash Payment when it is payable.
- To leave all Guaranteed Cash Payment with the Company to be reinvested into
Account 2.
- Once the Guaranteed Cash Payment is reinvested in Account 2, it will fluctuate based
on the investment performance whereby the value in Account 2 may increase if the
Reinvestment
investments have performed well and conversely, it may drop if the investments have
performed poorly.
- The full amount of Account 2 Value can be withdrawn anytime without any charge
imposed.
LEONG SZE YEN / (6644276) / 0474 / V02 / 1018 Page 11 of 31

· Maturity Benefit
Upon survival of the life assured to the maturity date of the policy, the following will be payable in one lump sum:
i. The higher of:
a) (105% of total Basic Annualised Premium paid) less total Guaranteed Cash Payment paid; or
b) Account 1 Value; and
ii. Any Account 2 Value.
If there is any unpaid premium and overdue premium interest upon maturity, only Account Values shall be payable in one lump
sum.
The above benefits are subject to the terms and conditions stated in the policy contract.
Duration of cover: 30 years or upon termination, whichever occurs first.
3. How much premium do I have to pay?

· The estimated premium for this plan that you have to pay: RM 2,400.00 Yearly.
· Premium duration: 20 years or upon termination, whichever occurs first.
Note: The Company allocates a portion of the premium to Account 1. Any unallocated premium will be used to pay commissions to
agents and other expenses of the Company. You are advised to refer to the allocation rates and other details given in the sales
illustration.
4. What are the fees and charges that I have to pay?

· The Insurance charges are deducted monthly from Account 1. In the event Account 1 Value is insufficient, the insurance charges
will be deducted from Account 2, provided reinvestment option is selected. It will increase as you grow older. The insurance
charges are non-guaranteed and vary by attained age next birthday, gender and smoker status, where applicable at each policy
anniversary.
· The policy fee of RM7 will be deducted monthly from Account 1. In the event Account 1 Value is insufficient, the policy fee will be
deducted from Account 2, provided reinvestment option is selected.
· Crediting spread of 0.9% per annum will be deducted monthly from the investment return prior to crediting the credited return into
Account 1 and Account 2.
· Surrender charge applies to Account 1 upon surrender of basic policy or on the partially surrendered amount from Account 1 upon
reduction of Basic Premium.
· The prevailing government service tax will be added to the premium quoted in question 3 above, where the premium is paid by a
business organisation other than the Company.
Note: Charges are not guaranteed and the company reserves the right to revise these charges by giving 3 months’ advance
notifications. Details of insurance charges and other charges for this plan are given in the sales illustration.
5. What are some of the key terms and conditions that I should be aware of?
· Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
· Free-look period – you may cancel your policy by returning your insurance policy within 15 days after you have received it. Any
Account Value, any unallocated premium, insurance charges and policy fees that have been deducted will be refunded to you.
· Crediting Rate – Crediting Rate is credited every month into Account 1 and Account 2. It is not guaranteed and is determined at
the discretion of the Company. A higher credited return may be credited if the investments have performed well and conversely, a
lower or negative credited return may be credited if the investments have performed poorly. A negative Crediting Rate will result in
a reduction of Account Value.
· Grace period - A grace period of 30 days from each premium due date is given for you to pay your premiums.
· Basic Premium - This is the regular modal premium paid for the basic plan, excluding riders’ premium, any extra premium for both
basic plan and riders’ and any advance premium paid.
· Basic Annualised Premium - This is the total Basic Premium paid for a policy year.
· Non-payment of premium – any premium paid after the grace period will be charged with overdue premium interest at a rate to be
determined by the Company, the prevailing interest rate is available on the Company’s official website. The payment of overdue
premium and overdue premium interest will not be entitled to the credited return which are determined prior to such payment.
· Surrender - Upon surrender of the policy, the Account 1 Value (after deducting the surrender charge) plus any Account 2 Value
shall be payable in one lump sum. Any rider attached shall then be terminated.
· Policy Lapse - subject to No-Lapse Guarantee, the policy will lapse when Account 1 Value and Account 2 Value are insufficient to
pay for the insurance charges and policy fees.
· No-Lapse Guarantee
- The policy will remain inforce even if Account 1 and Account 2 are insufficient to deduct the policy fees and insurance
charges on the monthly deduction date, provided there is no overdue Basic Premium, overdue extra premium and overdue
premium interest. Any unpaid policy fee and insurance charge incurred will be accumulated and recovered from you. No-
Lapse Guarantee feature will be forfeited if there is any overdue Basic Premium and overdue premium interest after the
grace period.
- During the No-Lapse Guarantee period, all benefits under the policy shall be payable.
- The accumulated unpaid policy fees and insurance charges shall be deducted from the following :
i. when the premium is paid;
ii. upon partial or full surrender of Account 1;
iii. upon full withdrawal of Account 2;
iv. from any benefit or claim proceeds payable under this policy; or
v. upon any other transaction made under this policy as may be determined by the Company.

- No-lapse Guarantee is not applicable to riders attached to the policy. Rider(s) will lapse upon non-payment of premium after
30 days grace period, regardless of the Account Value.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this plan.
6. What are the major exclusions under this plan?

· Death during the first policy year from the risk commencement date or from the date of any reinstatement of the policy, whichever
is later, as a result of suicide, while sane or insane.
· Accidental Death Benefit and Additional Accidental Death Benefit (Public Conveyance) are not payable if death of the life assured
does not occur within ninety (90) days from the date of accident.
· TPD resulting from self-inflicted injuries, while sane or insane.
· TPD existed prior to or on the Risk Commencement Date of the policy or the date of any reinstatement, whichever is later.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan.
7. Can I cancel my plan?

Yes, you may cancel your policy by giving a written notice to the Company. However, it is not advisable to hold this policy for a short
period of time in view of the high initial costs. Buying a life policy is a long-term financial commitment. If No-Lapse Guarantee is
forfeited, your policy may lapse unless your policy has sufficient Account Value. The cash amount that the Company will pay you
when you cancel the policy before the maturity period may be much less than the total amount of premium that you have paid.
8. What do I need to do if there are changes to my / my nominee(s) contact details?

It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you /
your nominee(s) in a timely manner.
9. Where can I get further information?

Should you require additional information, please refer to the relevant insuranceinfo booklet available at www.insuranceinfo.com.my
If you have any enquiries, please contact us at:

GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A)
(Licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia)
Head Office : Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur.
Tel : +603 4259 8888
Fax : +603 4259 8000
Customer Service Careline : 1300-1300 88
E-mail : wecare-my@greateasternlife.com
10. Are there any other similar types of plan available?

You may check with your agent or contact the Company directly for other similar types of plans currently available.
IMPORTANT NOTE:
BUYING LIFE INSURANCE POLICY IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF PLAN THAT
BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU ARE ENCOURAGED TO APPOINT NOMINEE(S) AND ENSURE THAT
YOUR NOMINEE(S) IS AWARE OF THE PLAN THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND YOUR
INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION.
If there is any discrepancy between the English and Bahasa Malaysia versions of this document, the English version shall prevail.
The information provided in this disclosure sheet is valid as at 20/04/2020.

Service Guide
Our Company offers life insurance products through our agency force, bank partners, etc. If you
intend to purchase a life insurance product from our agents, you can enjoy these value-added
services.
What Services can you expect from our Agent?
BEFORE YOU BUY A POLICY
Deal only with registered agents

You can check the status of the agent via the Life Insurance Association of Malaysia’s
! (LIAM) website or via Short Message Service (SMS).
Visit http://www.liam.org.my/index.php/customer-zone/know-your-agent for more details.
Assist you in Choosing the Right Insurance Plan
Go through with you the Customer Fact Find form to understand your insurance needs and
financial goals.
Recommend suitable insurance plan after assessing your needs.
Explain Product Features
Explain the product features, benefits payable, exclusions, premiums and charges.
Provide Product Disclosure Sheet to assist you in making informed decision and to facilitate
product comparison.
WHEN YOU DECIDE TO BUY A POLICY
Assist you with the Policy Application
Explain the importance of answering the questions in the proposal form fully and accurately.
Submit your application for underwriting after you have signed the proposal form.
Arrange for medical examination with one of our panel clinics, if required.
Provide information on making a nomination to ensure policy moneys are received by your
beneficiaries in the event of death.
Explain the Policy Terms and Conditions
Your policy document will be delivered to you (by hand or via post) within 28 days
Go through the policy terms and conditions with you to ensure that this is the right plan that you
have purchased.
LEONG SZE YEN / (6644276) / (MPOS 5.20.6-3) Page 14 of 31

DURING THE TERM OF THE POLICY
Continuous Policy Servicing
Assist in renewal of policy.

Provide continuous service e.g. policy modifications, change of address and frequency of
premium payments. In the event that the agent is no longer with the Company, we shall appoint
a new agent to service your policy.
Assist you in making a Claim
Guide you through the standard procedures on how to file an insurance claim.
Customer Portal
Please visit our Customer Portal at https://econnect-my.greateasternlife.com/eConnect2/jsp/login/login.jsp for
online access to your policy information.
Note: If you are not satisfied with the services of our agent, or required additional support
from our Company, you may contact us at 1-300-1-300-88.

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
MR Engineer
Jenis Pelan
Great Flexi Plus
DISEDIAKAN OLEH : LEONG SZE YEN (6644276)

TARIKH DISEDIAKAN : 20/04/2020
Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur
+603 4259 8888
+603 4259 8000
wecare-my@greateasternlife.com
greateasternlife.com
Nama Syarikat Insurans : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("Syarikat")
Nama Produk : Great Flexi Plus
Jenis Polisi : Endowmen Universal Life
Maklumat Pelanggan
Nama Pelanggan : MR Engineer Jenis Premium : Tahunan
Jantina : Lelaki Pilihan Pembayaran : Pengeluaran Tunai
Merokok : Tidak Tunai Dijamin
Umur Hari Jadi Berikut : 30
Kelas Pekerjaan :1
Premium Premium
Premium
Jumlah Asurans Mortaliti Tahunan Tahunan
Pelan Tempoh Tahunan
(RM) Tambahan (%) Tambahan Keseluruhan
(RM)
(RM) (RM)
Pelan Asas:
Tidak
0474 UL-GFP 30 0.00 2,400.00 0.00 2,400.00
Berkenaan*
Jumlah 2,400.00 0.00 2,400.00
Semua premium yang dibayar oleh Organisasi Perniagaan selain daripada Great Eastern Life Assurance (Malaysia) Berhad tertakluk
pada cukai perkhidmatan semasa yang dikenakan kerajaan.
*Sila rujuk JADUAL ILUSTRASI JUALAN PELAN ASAS dan nota penuh seperti yang tertera di bahagian Risalah Pemberitahuan Produk
untuk maklumat lanjut manfaat yang akan dibayar.
Apakah yang anda perlu ketahui? Apakah yang anda perlu beri perhatian?
____________________________________________________________________________________________________________________
Disediakan oleh : LEONG SZE YEN(6644276)
Tarikh : 20/04/2020
Versi : MPOS 5.20.6-3 Page 17 of 31
JADUAL ILUSTRASI JUALAN PELAN ASAS
Jadual ini menunjukkan amaun premium yang anda akan bayar setiap tahun dan aliran tunai tahunan untuk polisi anda
sehingga akhir tempoh polisi.
Berapakah yang Apakah amaun tunai yang
anda bayar? boleh dikeluarkan secara
berkala?
Manfaat jika Hidup

Akhir Tahun Polisi Premium Dibayar Setiap Tahun (A) Umur pada Akhir Tahun Polisi
Pembayaran Tunai Dijamin Setiap Tahun
1 2,400.00 480.00 31
2 2,400.00 480.00 32
3 2,400.00 480.00 33
4 2,400.00 480.00 34
5 2,400.00 480.00 35
6 2,400.00 480.00 36
7 2,400.00 480.00 37
8 2,400.00 480.00 38
9 2,400.00 480.00 39
10 2,400.00 480.00 40
11 2,400.00 960.00 41
12 2,400.00 960.00 42
13 2,400.00 960.00 43
14 2,400.00 960.00 44
15 2,400.00 960.00 45
16 2,400.00 960.00 46
17 2,400.00 960.00 47
18 2,400.00 960.00 48
19 2,400.00 960.00 49
20 2,400.00 960.00 50
25 0.00 1,440.00 55
30 0.00 1,440.00 60
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Apakah perbandingan ke atas manfaat dengan premium keseluruhan yang dibayar sehingga kini?
Berapakah Berapakah Berapakah yang anda terima
premium yang bayaran kepada jika polisi ditamatkan awal?
anda bayar? pengantara?
Premium Serahan
Kos Agihan
Keseluruhan (B) (C) = (B) - (K)
Keseluruhan
Dibayar Terkini Tidak Dijamin
Terkini [merujuk
[merujuk pada Umur pada
Akhir Tahun pada kos agihan Nilai Serahan Keseluruhan
premium Nilai Akaun 1 Akhir Tahun
Polisi kumulatif yang (Selepas Caj Serahan)
kumulatif yang Polisi
akan dibayar
akan dibayar
dari permulaan Senario X Senario Y Senario X Senario Y
dari permulaan
polisi]
polisi]
1 2,400.00 1,560.00 41 61 36 54 31
2 4,800.00 2,520.00 499 557 454 506 32
3 7,200.00 3,144.00 1,308 1,436 1,203 1,321 33
4 9,600.00 3,624.00 2,354 2,594 2,189 2,412 34
5 12,000.00 3,864.00 3,667 4,073 3,446 3,828 35
6 14,400.00 4,104.00 5,254 5,893 4,991 5,598 36
7 16,800.00 4,104.00 7,244 8,202 6,954 7,873 37
8 19,200.00 4,104.00 9,278 10,648 8,999 10,328 38
9 21,600.00 4,104.00 11,357 13,241 11,129 12,976 39
10 24,000.00 4,104.00 13,482 15,988 13,347 15,828 40
11 26,400.00 4,104.00 15,174 18,419 15,174 18,419 41
12 28,800.00 4,104.00 16,903 20,997 16,903 20,997 42
13 31,200.00 4,104.00 18,669 23,731 18,669 23,731 43
14 33,600.00 4,104.00 20,474 26,632 20,474 26,632 44
15 36,000.00 4,104.00 22,319 29,708 22,319 29,708 45
16 38,400.00 4,104.00 24,204 32,968 24,204 32,968 46
17 40,800.00 4,104.00 26,131 36,422 26,131 36,422 47
18 43,200.00 4,104.00 28,100 40,083 28,100 40,083 48
19 45,600.00 4,104.00 30,113 43,962 30,113 43,962 49
20 48,000.00 4,104.00 32,172 48,073 32,172 48,073 50
25 48,000.00 4,104.00 27,879 49,923 27,879 49,923 55
30 48,000.00 4,104.00 23,181 52,192 23,181 52,192 60
Manfaat yang boleh Dibayar Apabila Polisi Matang

Anggaran amaun yang akan dibayar pada tarikh matang polisi anda yang jatuh pada ulang tahun polisi ke-30 diillustrasikan seperti
berikut:
Dijamin Tidak Dijamin

(a) (b) (c) (d) = (b) + maks{a,c}
Premium Amaun Manfaat Keseluruhan yang
Keseluruhan minimum Nilai Akaun 1 boleh Dibayar Apabila
yang Dibayar yang dibayar GCP Tahun Polisi Matang*
Akhir
semasa
Senario X Senario Y Senario X Senario Y
matang
48,000 21,600 1,440 23,181 52,192 24,621 53,632
Jika anda membatalkan polisi sebelum tempoh matang, amaun yang diterima mungkin lebih rendah berbanding
amaun premium keseluruhan yang anda telah bayar.
*Amaun keseluruhan yang dibayar kepada anda semasa matang. Amaun ini termasuk sebarang manfaat dijamin yang
boleh dibayar.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Unjuran Kadar Kredit
- Pulangan X% dan Y% masing-masing telah digunakan untuk mewakili kemungkinan julat Kadar Kredit kepada Nilai
Akaun.
- Andaian unjuran bersih Kadar Kredit yang digunakan dalam semua jadual ilustrasi jualan adalah:
Unjuran Bersih Kadar Premium* (setahun)
Senario X Senario Y
Tahun Polisi 1-30 Tahun Polisi 1-20 Tahun Polisi 21-30
2.32% 6.00% 3.93%
* selepas ditolak cukai pelaburan dan Sebaran Kredit
- Ilustrasi yang ditunjukkan di atas adalah berdasarkan unjuran Kadar Kredit. Kadar ini digunakan untuk tujuan ilustrasi
semata-mata bagi menunjukkan kebolehubahan manfaat tidak dijamin di bawah senario pelaburan berbeza dan tidak
dijamin. Ia tidak mewakili had lebih tinggi dan lebih rendah ke atas prestasi pelaburan dan bukan pulangan sebenar
yang diperoleh ke atas premium sebenar yang dibayar bagi produk insurans hayat. Kadar Kredit sebenar akan turun
naik (naik atau turun) secara bulanan berdasarkan prestasi pelaburan aset. Pulangan kredit yang lebih tinggi
mungkin dikreditkan jika prestasi pelaburan adalah baik dan sebaliknya, pulangan kredit lebih rendah atau negatif
mungkin dikreditkan jika prestasi pelaburan adalah teruk. Kadar Kredit yang negatif akan menyebabkan pengurangan
Nilai Akaun.
- Pelaburan ini diklasifikasikan di bawah kategori risiko sederhana kerana ia melabur dalam kepelbagaian ekuiti dan
sekuriti pendapatan tetap. Pulangan pelaburan adalah tidak dijamin dan tertakluk serta tidak terhad pada risiko
pasaran, risiko matawang asing dan risiko kadar faedah.
- Kadar Kredit sebenar adalah TIDAK DIJAMIN dan prestasi pelaburan dana yang lepas bukan petunjuk bagi
prestasi pada masa hadapan. Kadar Kredit sebenar akan ditentukan mengikut budi bicara Syarikat.
- Kadar Kredit dikreditkan setiap bulan ke dalam Akaun 1 dan Akaun 2 serta ditentukan berdasarkan pulangan
pelaburan bagi setiap bulan kalendar selepas menolak cukai pelaburan dan Sebaran Kredit. Syarikat mungkin
menentukan dan mengkreditkan Kadar Kredit dengan lebih kerap berbanding hanya sekali sebulan.
Kos agihan keseluruhan adalah amaun yang diterima pengantara untuk jualan polisi ini dan perkhidmatan yang diberi
pengantara bagi tempoh polisi anda. Amaun ini juga termasuk amaun yang mungkin berhak diterima pengantara bagi
tempoh polisi anda, dengan syarat mereka memenuhi kriteria kelayakan yang ditetapkan Syarikat.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Berapakah Berapakah bayaran Apakah yang dibayar
premium yang manfaat berkala yang semasa kematian?
anda bayar? anda terima?
Pembayaran Tunai Manfaat Kematian

Premium
Dijamin (D) (E) = Maks{D,B}
Keseluruhan
Keseluruhan Dijamin Tidak Dijamin
Dibayar Terkini
Terkini [merujuk
Akhir Tahun [merujuk pada Manfaat Kematian Keseluruhan* Umur pada Akhir
pada Pembayaran
Polisi premium kumulatif Tahun Polisi
Tunai Dijamin Jumlah Asurans
yang akan dibayar
kumulatif yang Semasa Senario X Senario Y
dari permulaan
akan diterima dari
polisi]
permulaan polisi]
1 2,400.00 480.00 2,040 2,040 2,040 31
2 4,800.00 960.00 4,080 4,080 4,080 32
3 7,200.00 1,440.00 6,120 6,120 6,120 33
4 9,600.00 1,920.00 8,160 8,160 8,160 34
5 12,000.00 2,400.00 10,200 10,200 10,200 35
6 14,400.00 2,880.00 12,240 12,240 12,240 36
7 16,800.00 3,360.00 14,280 14,280 14,280 37
8 19,200.00 3,840.00 16,320 16,320 16,320 38
9 21,600.00 4,320.00 18,360 18,360 18,360 39
10 24,000.00 4,800.00 20,400 20,400 20,400 40
11 26,400.00 5,760.00 21,960 21,960 21,960 41
12 28,800.00 6,720.00 23,520 23,520 23,520 42
13 31,200.00 7,680.00 25,080 25,080 25,080 43
14 33,600.00 8,640.00 26,640 26,640 26,640 44
15 36,000.00 9,600.00 28,200 28,200 29,708 45
16 38,400.00 10,560.00 29,760 29,760 32,968 46
17 40,800.00 11,520.00 31,320 31,320 36,422 47
18 43,200.00 12,480.00 32,880 32,880 40,083 48
19 45,600.00 13,440.00 34,440 34,440 43,962 49
20 48,000.00 14,400.00 36,000 36,000 48,073 50
25 48,000.00 21,600.00 28,800 28,800 49,923 55
30 48,000.00 28,800.00 21,600 23,181 52,192 60
Jika kematian berlaku, anda mungkin hanya menerima manfaat daripada (E) Manfaat Kematian Keseluruhan, (H)
Manfaat Kematian Keseluruhan (Akibat Kemalangan) atau (I) Manfaat Kematian Keseluruhan (Akibat Kemalangan -
Pengangkutan Awam); bergantung pada sebab kematian.
*Amaun keseluruhan yang dibayar kepada anda apabila TPD berlaku sebelum ulang tahun polisi apabila hayat yang
diasuranskan mencapai umur 70 tahun hari jadi berikut atau apabila kematian berlaku. Amaun ini termasuk sebarang
manfaat dijamin yang boleh dibayar.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Berapakah
Berapakah bayaran Apakah yang dibayar
premium yang
manfaat berkala yang semasa kematian akibat
anda bayar?
anda terima? kemalangan?
Pembayaran Manfaat Kematian (Akibat Kemalangan)

Tunai (F) (G) (H) = (E) + (F) (I) = (E) + (F) + (G)
Premium
Dijamin Dijamin Tidak Dijamin
Keseluruhan
Keseluruhan
Dibayar Manfaat Kematian
Terkini Manfaat Kematian
Terkini Keseluruhan (Akibat
[merujuk Keseluruhan (Akibat
[merujuk Jumlah Kemalangan - Umur pada
Akhir pada Kemalangan)
pada Jumlah Asurans Pengangkutan Awam) Akhir
Tahun Pembayaran
premium Asurans Semasa Tahun
Polisi Tunai
kumulatif Semasa (Akibat Polisi
Dijamin
yang akan (Akibat Kemalangan -
kumulatif
dibayar dari
yang akan Kemalangan) Pengangkutan
permulaan Awam)
diterima dari Senario X Senario Y Senario X Senario Y
polisi]
permulaan
polisi]
1 2,400.00 480.00 2,040 2,040 4,080 4,080 6,120 6,120 31
2 4,800.00 960.00 4,080 4,080 8,160 8,160 12,240 12,240 32
3 7,200.00 1,440.00 6,120 6,120 12,240 12,240 18,360 18,360 33
4 9,600.00 1,920.00 8,160 8,160 16,320 16,320 24,480 24,480 34
5 12,000.00 2,400.00 10,200 10,200 20,400 20,400 30,600 30,600 35
6 14,400.00 2,880.00 12,240 12,240 24,480 24,480 36,720 36,720 36
7 16,800.00 3,360.00 14,280 14,280 28,560 28,560 42,840 42,840 37
8 19,200.00 3,840.00 16,320 16,320 32,640 32,640 48,960 48,960 38
9 21,600.00 4,320.00 18,360 18,360 36,720 36,720 55,080 55,080 39
10 24,000.00 4,800.00 20,400 20,400 40,800 40,800 61,200 61,200 40
11 26,400.00 5,760.00 21,960 21,960 43,920 43,920 65,880 65,880 41
12 28,800.00 6,720.00 23,520 23,520 47,040 47,040 70,560 70,560 42
13 31,200.00 7,680.00 25,080 25,080 50,160 50,160 75,240 75,240 43
14 33,600.00 8,640.00 26,640 26,640 53,280 53,280 79,920 79,920 44
15 36,000.00 9,600.00 28,200 28,200 56,400 57,908 84,600 86,108 45
16 38,400.00 10,560.00 29,760 29,760 59,520 62,728 89,280 92,488 46
17 40,800.00 11,520.00 31,320 31,320 62,640 67,742 93,960 99,062 47
18 43,200.00 12,480.00 32,880 32,880 65,760 72,963 98,640 105,843 48
19 45,600.00 13,440.00 34,440 34,440 68,880 78,402 103,320 112,842 49
20 48,000.00 14,400.00 36,000 36,000 72,000 84,073 108,000 120,073 50
25 48,000.00 21,600.00 28,800 28,800 57,600 78,723 86,400 107,523 55
30 48,000.00 28,800.00 21,600 21,600 44,781 73,792 66,381 95,392 60
Anda mungkin hanya menerima amaun yang dijamin bagi kematian akibat kemalangan atau kematian akibat
kemalangan (Pengangkutan Awam).
Jika kematian berlaku, anda mungkin hanya menerima manfaat daripada (E) Manfaat Kematian Keseluruhan, (H)
Manfaat Kematian Keseluruhan (Akibat Kemalangan) atau (I) Manfaat Kematian Keseluruhan (Akibat Kemalangan -
Pengangkutan Awam); bergantung pada sebab kematian.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Jadual ini menunjukkan premium yang diperuntukkan, premium tidak diperuntukkan dan caj bagi polisi ini.
Caj Umur
Premium (J) (K) (L)
Akhir Premium yang pada
Dibayar Premium
Tahun Tidak Tidak Dijamin Akhir
Setiap Diperuntukkan
Polisi Diperuntukkan Caj Insurans Caj Serahan Yuran Tahun
Tahun
Senario X Senario Y Senario X Senario Y Polisi Polisi
1 2,400.00 1,802.40 597.60 4.98 4.96 4.10 6.10 84 31
2 2,400.00 1,392.00 1,008.00 8.99 8.90 44.91 50.13 84 32
3 2,400.00 1,056.00 1,344.00 12.44 12.24 104.64 114.88 84 33
4 2,400.00 840.00 1,560.00 15.36 15.06 164.78 181.58 84 34
5 2,400.00 600.00 1,800.00 18.00 17.41 220.02 244.38 84 35
6 2,400.00 360.00 2,040.00 20.40 19.47 262.70 294.65 84 36
7 2,400.00 0.00 2,400.00 22.46 21.00 289.76 328.08 84 37
8 2,400.00 0.00 2,400.00 24.35 22.14 278.34 319.44 84 38
9 2,400.00 0.00 2,400.00 26.57 23.22 227.14 264.82 84 39
10 2,400.00 0.00 2,400.00 28.70 23.90 134.82 159.88 84 40
11 2,400.00 0.00 2,400.00 31.29 24.42 0.00 0.00 84 41
12 2,400.00 0.00 2,400.00 33.33 23.72 0.00 0.00 84 42
13 2,400.00 0.00 2,400.00 35.68 22.46 0.00 0.00 84 43
14 2,400.00 0.00 2,400.00 38.04 20.03 0.00 0.00 84 44
15 2,400.00 0.00 2,400.00 40.38 18.40 0.00 0.00 84 45
16 2,400.00 0.00 2,400.00 43.01 19.44 0.00 0.00 84 46
17 2,400.00 0.00 2,400.00 45.01 20.28 0.00 0.00 84 47
18 2,400.00 0.00 2,400.00 46.97 21.24 0.00 0.00 84 48
19 2,400.00 0.00 2,400.00 48.51 22.32 0.00 0.00 84 49
20 2,400.00 0.00 2,400.00 49.59 23.28 0.00 0.00 84 50
25 0.00 0.00 0.00 31.92 19.08 0.00 0.00 84 55
30 0.00 0.00 0.00 14.52 14.52 0.00 0.00 84 60
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
NOTA PENTING
1. Anda seharusnya berpuas hati bahawa pelan ini akan memenuhi keperluan anda dengan sebaiknya dan anda mampu membayar
premium. Jika anda memerlukan penerangan, sila hubungi kami atau pengantara.
2. Untuk tujuan ilustrasi sahaja. Syarikat berhak menentukan terma penerimaan yang mungkin ditawarkan mengikut budi bicara.
3. Jika Jaminan Tidak Luput dibatalkan atas sebab premium tidak dibayar, polisi ini akan luput/tamat jika nilai Akaun 1 dan Akaun 2
tidak mencukupi untuk membayar caj yang dikenakan. Nilai Akaun anda mungkin tidak mencukupi akibat:-
- Pulangan pelaburan yang buruk.
- Premium tidak dibayar untuk suatu tempoh masa.
4. Nilai Akaun
- Nilai Akaun merujuk pada nilai yang berhak diterima oleh pemegang polisi daripada pelaburan. Syarikat mungkin melabur aset
akaun dengan cara yang ditentukan Syarikat. Pendapatan yang diperoleh daripada pelaburan selepas menolak cukai pelaburan
dan sebaran kredit akan dikreditkan ke dalam akaun sebagai pulangan kredit.
- Premium diperuntukkan (tidak termasuk sebarang premium rider dan premium yang dibayar terlebih dahulu) akan diperuntukkan
ke dalam Akaun 1. Pembayaran Tunai Dijamin dan semua caj yang berkenaan bagi polisi ini, contohnya caj insurans dan yuran
polisi akan ditolak daripada Akaun 1.
- Jika memilih pilihan pelaburan semula bagi Pembayaran Tunai Dijamin, Pembayaran Tunai Dijamin akan diperuntukkan pada
Akaun 2. Jika nilai Akaun 1 tidak mencukupi untuk membayar caj insurans dan yuran polisi, caj tersebut akan ditolak daripada
Akaun 2.
- Nilai Akaun 2, jika ada, boleh ditarik balik pada bila-bila masa tanpa sebarang caj dikenakan. Hanya penarikan balik penuh
dibenarkan.
5. Jumlah Asurans Semasa

Jumlah Asurans Semasa adalah (peratusan (%) daripada Premium Asas keseluruhan) ditolak Pembayaran Tunai Dijamin
keseluruhan yang telah dibayar, yang boleh dibayar jika kematian atau TPD berlaku.
6. Premium Telah Dibayar

Ia adalah amaun yang anda bayar bagi polisi ini, tidak termasuk sebarang premium yang telah dibayar terlebih dahulu
- Pelan Asas
Bukan semua amaun yang telah dibayar bagi pelan asas akan dilaburkan ke dalam Akaun 1. Sila rujuk penerangan berkenaan
premium tidak diperuntukkan dan premium diperuntukkan seperti di bawah.
- Rider/Manfaat Tambahan
Premium yang dibayar bagi rider tidak akan diperuntukkan ke dalam Akaun 1.
7. Premium Tidak Diperuntukkan

- Premium tidak diperuntukkan adalah caj yang dikenakan terlebih dahulu ke atas premium yang dibayar dan digunakan untuk
memenuhi perbelanjaan Syarikat dan kos agihan keseluruhan, termasuk komisen yang dibayar kepada pengantara.
8. Premium Diperuntukkan
- Amaun premium bagi pelan asas (tidak termasuk sebarang premium rider dan premium yang telah dibayar terlebih dahulu) yang
akan diperuntukkan dalam Akaun 1:
Tahun Polisi 1 2 3 4 5 6 7 & berikutnya
Premium 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00 2,400.00
(%) 24.90% 42.00% 56.00% 65.00% 75.00% 85.00% 100.00%
Premium Diperuntukkan
(RM) 597.60 1,008.00 1,344.00 1,560.00 1,800.00 2,040.00 2,400.00
- Kadar peruntukkan untuk premium tambahan pelan asas ialah 100% untuk semua tahun.
9. Caj
Ilustrasi insurans dan caj lain adalah berdasarkan tahap semasa. Caj-caj ini tidak dijamin. Syarikat berhak menyemak semula caj-caj
ini dengan memberikan anda sekurang-kurangnya notis 3 bulan terlebih dahulu.
i. Caj Insurans
- Caj insurans akan ditolak secara bulanan daripada Akaun 1. Jika Nilai Akaun 1 tidak mencukupi, caj insurans akan ditolak
daripada Akaun 2, dengan syarat pilihan pelaburan semula telah dipilih. Caj insurans dikenakan bagi perlindungan insurans
untuk kematian dan TPD akibat semua sebab, serta berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan status
merokok, mana yang berkenaan. Caj insurans akan meningkat apabila umur anda meningkat.
- Untuk Manfaat Kematian, apabila Jumlah Asurans Semasa melebihi Nilai Akaun 1 pada permulaan suatu bulan polisi (selepas
menolak yuran polisi bulanan dan menambah Premium Diperuntukkan (jika ada) bagi bulan tersebut), perbezaan tersebut akan
tertakluk pada caj insurans.
- Caj insurans bagi Manfaat Kematian akibat Kemalangan Tambahan dan Manfaat Kematian akibat Kemalangan -
Pengangkutan Awam Tambahan bergantung pada Jumlah Asurans Semasa masing-masing.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
ii. Caj Serahan
- Caj serahan dikenakan untuk Akaun 1 apabila pelan asas diserahkan atau Premium Asas dikurangkan.
- Skala Caj Serahan seperti berikut:
Caj Serahan
Tahun Polisi
(% daripada Nilai Akaun 1 yang diserahkan)
1 10%
2 9%
3 8%
4 7%
5 6%
6 5%
7 4%
8 3%
9 2%
10 1%
11 selanjutnya 0%
iii. Yuran Polisi

- Suatu caj pentadbiran sebanyak RM7 akan ditolak secara bulanan daripada Akaun 1. Jika Nilai Akaun 1 tidak mencukupi, ia
akan ditolak daripada Akaun 2, dengan syarat pilihan pelaburan semula telah dipilih.
iv. Sebaran Kredit

- Sebaran kredit adalah 0.9% setahun. Ia akan ditolak secara bulanan daripada pulangan pelaburan sebelum pulangan kredit
dikreditkan ke dalam Akaun 1 dan Akaun 2.
10. Dalam kes polisi cagaran apabila pembayaran manfaat (termasuk manfaat tidak dijamin) semasa matang telah ditentukan untuk
membiayai kemudahan kredit, sila ambil perhatian bahawa pembayaran manfaat matang sebenar mungkin tidak mencukupi untuk
menyelesaikan amaun tunggakan pinjaman selepas mengambil kira kebolehubahan manfaat tidak dijamin.
Semua amaun yang ditunjukkan adalah dalam RM (Kesalahan & ketinggalan dikecualikan).
Penafian: Dokumen ini hanya untuk maklumat am anda sahaja. Ia tidak mengandungi maklumat menyeluruh berkenaan perkara yang
dinyatakan.
Jika terdapat percanggahan antara versi Bahasa Inggeris, Bahasa Malaysia dan Bahasa Cina untuk dokumen ini, versi Bahasa Inggeris
akan digunakan.
____________________________________________________________________________________________________________________
Tarikh : 20/04/2020
Engineer Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan Great Flexi Plus. Pastikan terma dan
syarat am telah dibaca.
Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("Syarikat")
Nama Produk : Great Flexi Plus
Tarikh : 20/04/2020
1. Apakah produk ini?

Great Flexi Plus adalah pelan endowmen universal life dengan bayaran terhad berserta tempoh perlindungan selama 30 tahun yang
menyediakan Pembayaran Tunai Dijamin (GCP) tahunan bermula daripada akhir tahun polisi pertama. Produk ini menawarkan
kombinasi pelaburan dan perlindungan terhadap kematian atau Hilang Upaya Total dan Kekal (TPD).
2. Apakah perlindungan / manfaat yang disediakan?

Premium Tahunan Asas bagi pelan ini ialah RM2,400.00.
· Manfaat Kematian
Jika kematian atau TPD berlaku sebelum ulang tahun polisi apabila hayat yang diasuranskan mencapai umur 70 tahun hari jadi
berikut, perkara berikut akan dibayar:
i. Mana-mana yang paling tinggi:
a) Jumlah Asurans Semasa bersamaan dengan (105% daripada Premium Asas keseluruhan yang telah dibayar) ditolak
Pembayaran Tunai Dijamin keseluruhan yang telah dibayar; atau
b) Nilai Akaun 1; dan
ii. Sebarang Nilai Akaun 2.
Pembayaran manfaat TPD tertakluk pada syarat berikut:

- Jika Nilai Akaun 1 melebihi Jumlah Asurans Semasa, 100% Nilai Akaun 1 akan dibayar dalam jumlah sekali gus dan polisi
akan ditamatkan.
- Jika Nilai Akaun 1 lebih rendah daripada Jumlah Asurans Semasa, Nilai Akaun 1 akan dibayar dalam satu jumlah sekali gus
dan Jumlah Asurans Semasa yang melebihi Nilai Akaun 1 (Jumlah Asurans Bersih) serta tidak melebihi RM10,000,000 akan
dibayar secara 3 kali ansuran tahunan iaitu bayaran pertama dibayar secara sekali gus bagi Jumlah Asurans Bersih atau
RM2,000,000, mana yang lebih rendah dan baki Jumlah Asurans Bersih (jika ada) akan dibayar secara dua kali ansuran
tahunan yang sama rata. Sebarang baki Jumlah Asurans Bersih selanjutnya, akan dibayar semasa kematian Hayat yang
Diasuranskan atau apabila polisi matang.
- Sebagai tambahan, Pembayaran Tunai Dijamin yang dilabur semula dalam Akaun 2, jika ada, akan dibayar dalam satu
jumlah sekali gus.
- Manfaat TPD maksimum yang dibayar di bawah ini dan semua polisi (termasuk rider) ke atas hayat yang sama adalah
RM10,000,000 bagi setiap hayat (tidak termasuk polisi berkelompok).
· Manfaat Kematian akibat Kemalangan Tambahan

Jika hayat yang diasuranskan meninggal dunia akibat kemalangan sebelum ulang tahun polisi apabila mencapai umur 70 tahun
hari jadi berikut, Syarikat akan membayar tambahan Jumlah Asurans Semasa bersamaan dengan (105% Premium Asas
keseluruhan yang telah dibayar) ditolak Pembayaran Tunai Dijamin keseluruhan yang telah dibayar, bersama dengan Manfaat
Kematian.
· Manfaat Kematian akibat Kemalangan Tambahan – Pengangkutan Awam

Jika hayat yang diasuranskan meninggal dunia akibat kemalangan sebelum ulang tahun polisi apabila mencapai umur 70 tahun
hari jadi berikut, akibat:
i. berada dalam pengangkutan awam (selain daripada kereta kabel, teksi, kereta sewa atau sebarang jenis pengangkutan sewa
untuk kegunaan peribadi); atau
ii. sebagai penumpang dalam lif atau lif elektrik; atau
iii. akibat kebakaran sebarang teater, pawagam, hotel atau bangunan awam lain yang mana hayat yang diasuranskan berada di
situ semasa kebakaran bermula;
Syarikat akan membayar tambahan Jumlah Asurans Semasa bersamaan dengan (105% Premium Asas keseluruhan yang telah
dibayar) ditolak Pembayaran Tunai Dijamin keseluruhan yang telah dibayar, bersamaan dengan Manfaat Kematian serta Manfaat
Kematian akibat Kemalangan Tambahan.
· Pembayaran Tunai Dijamin

- Pembayaran Tunai Dijamin adalah dibayar daripada Akaun 1, tanpa mengambil kira nilai Akaun 1 dengan syarat semua
premium yang perlu dibayar dan faedah bagi premium lampau tempoh dibayar sehingga terkini.
- Pembayaran Tunai Dijamin akan dibayar pada akhir setiap tahun polisi dengan cara berikut:
Akhir Tahun Polisi % daripada Premium Tahunan Asas
1 - 10 20%
11 - 20 40%
21 - matang 60%

- Terdapat dua jenis pilihan berkaitan dengan Pembayaran Tunai Dijamin.
Pengeluaran tunai - Untuk menerima Pembayaran Tunai Dijamin apabila ia boleh dibayar.
- Untuk meninggalkan semua Pembayaran Tunai Dijamin dengan Syarikat untuk
dilaburkan semula dalam Akaun 2.
- Apabila Pembayaran Tunai Dijamin dilaburkan semula dalam Akaun 2, ia akan naik
turun berdasarkan prestasi pelaburan iaitu jumlah dalam Akaun 2 mungkin bertambah
Pelaburan semula
jika prestasi pelaburan adalah baik dan sebaliknya ia mungkin berkurang jika prestasi
pelaburan adalah buruk.
- Keseluruhan nilai Akaun 2 boleh dikeluarkan pada bila-bila masa tanpa dikenakan
sebarang caj.
· Manfaat Matang
Apabila hayat yang diasuranskan masih hidup sehingga tarikh matang polisi, perkara berikut akan dibayar dalam satu jumlah
sekali gus:
i. Mana-mana yang paling tinggi:
a) (105% daripada Premium Asas keseluruhan yang telah dibayar) ditolak Pembayaran Tunai Dijamin keseluruhan yang telah
dibayar; atau
b) Nilai Akaun 1; dan
ii. Sebarang Nilai Akaun 2.
Jika terdapat sebarang premium dan faedah bagi premium lampau tempoh yang belum dibayar semasa matang, hanya Nilai
Akaun akan dibayar dalam satu jumlah sekali gus.
Manfaat di atas tertakluk pada terma dan syarat yang dinyatakan dalam kontrak polisi.
Tempoh perlindungan: 30 tahun atau sehingga penamatan, mana yang berlaku dahulu.
3. Berapakah premium yang saya perlu bayar?

· Anggaran premium yang anda perlu bayar bagi pelan ini ialah: RM 2,400.00 Tahunan.
· Tempoh premium: 20 tahun atau sehingga penamatan, mana yang berlaku dahulu.
Nota: Syarikat memperuntukkan sebahagian premium pada Akaun 1. Sebarang premium tidak diperuntukkan akan digunakan untuk
membayar komisen kepada ejen dan perbelanjaan lain Syarikat. Anda dinasihatkan agar merujuk kadar peruntukan dan butiran lain
yang dinyatakan dalam ilustrasi jualan.
4. Apakah yuran dan caj yang saya perlu bayar?

· Caj insurans ditolak secara bulanan daripada Akaun 1. Jika Nilai Akaun 1 tidak mencukupi, caj insurans akan ditolak daripada
Akaun 2, dengan syarat pilihan pelaburan semula telah dipilih. Ia akan meningkat apabila umur anda meningkat. Caj insurans
adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan status merokok, mana yang
berkenaan, pada setiap ulang tahun polisi.
· Yuran polisi sebanyak RM7 akan ditolak secara bulanan daripada Akaun 1. Jika Nilai Akaun 1 tidak mencukupi, yuran polisi akan
ditolak daripada Akaun 2, dengan syarat pilihan pelaburan semula telah dipilih.
· Sebaran kredit sebanyak 0.9% setahun akan ditolak secara bulanan daripada pulangan pelaburan sebelum pulangan kredit
dikreditkan pada Akaun 1 dan Akaun 2.
· Caj serahan akan dikenakan untuk Akaun 1 apabila polisi asas diserahkan atau ke atas amaun serahan sebahagian apabila
Premium Asas dikurangkan.
· Cukai perkhidmatan semasa yang dikenakan kerajaan akan ditambah pada premium yang dinyatakan dalam soalan 3 di atas,
bagi premium yang dibayar oleh organisasi perniagaan selain daripada Syarikat.
Nota: Caj adalah tidak dijamin dan Syarikat berhak menyemak semula caj ini dengan memberi notis 3 bulan terlebih dahulu. Butiran
caj insurans dan caj lain bagi pelan ini diberi dalam ilustrasi jualan.
5. Apakah terma dan syarat utama yang saya perlu ketahui?

· Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan
dan umur dengan betul.
· Tempoh memerhati bebas – anda boleh membatalkan polisi dengan memulangkan polisi insurans dalam tempoh 15 hari selepas
menerimanya. Sebarang Nilai Akaun, sebarang premium tidak diperuntukkan, caj insurans dan yuran polisi yang telah ditolak
akan dibayar balik kepada anda.
· Kadar Kredit – Kadar Kredit dikreditkan setiap bulan ke dalam Akaun 1 dan Akaun 2. Ia tidak dijamin dan ditentukan mengikut
budi bicara Syarikat. Pulangan kredit yang lebih tinggi mungkin dikreditkan jika prestasi pelaburan adalah baik dan sebaliknya,
pulangan kredit lebih rendah atau negatif mungkin dikreditkan jika prestasi pelaburan adalah teruk. Kadar Kredit yang negatif
akan menyebabkan pengurangan Nilai Akaun.
· Tempoh tenggang – Suatu tempoh tenggang selama 30 hari daripada setiap premium yang perlu dibayar diberi kepada anda
untuk membayar premium berikutnya.
· Premium Asas – Ia adalah premium modal tetap yang dibayar bagi pelan asas tidak termasuk premium rider, sebarang premium
tambahan untuk pelan asas dan rider, serta sebarang premium yang telah dibayar terlebih dahulu.
· Premium Tahunan Asas - Ia adalah Premium Asas keseluruhan yang perlu dibayar untuk satu tahun polisi.
· Premium tidak dibayar – sebarang premium yang dibayar selepas tempoh tenggang akan dikenakan faedah premium lampau
tempoh pada kadar yang akan ditentukan Syarikat, kadar faedah semasa boleh didapati dalam laman sesawang Syarikat.
Pembayaran premium lampau tempoh dan faedah premium lampau tempoh tidak berhak menerima pulangan kredit yang telah
ditentukan sebelum pembayaran.

· Serahan - Apabila polisi diserahkan, Nilai Akaun 1 (selepas ditolak caj serahan) termasuk sebarang Nilai Akaun 2 akan dibayar
dalam satu jumlah sekali gus. Sebarang rider yang dilampirkan akan ditamatkan.
· Polisi Luput – tertakluk pada Jaminan Tidak Luput, polisi akan luput apabila Nilai Akaun 1 dan Nilai Akaun 2 tidak mencukupi
untuk membayar caj insurans dan yuran polisi.
· Jaminan Tidak Luput
- Polisi akan kekal berkuat kuasa walaupun Nilai Akaun 1 dan Nilai Akaun 2 tidak mencukupi untuk menolak yuran polisi dan
caj insurans pada tarikh penolakan bulanan, dengan syarat tiada Premium Asas lampau tempoh, premium tambahan
lampau tempoh dan faedah bagi premium lampau tempoh. Sebarang yuran polisi yang belum dibayar dan caj insurans yang
dikenakan akan terkumpul dan anda hendaklah membayarnya. Ciri Jaminan Tidak Luput akan dilucut hak jika terdapat
sebarang Premium Asas lampau tempoh, premium tambahan lampau tempoh dan faedah bagi premium lampau tempoh
selepas tempoh tenggang.
- Semasa tempoh Jaminan Tidak Luput, semua manfaat di bawah polisi adalah boleh dibayar.
- Yuran polisi dan caj insurans terkumpul yang belum dibayar akan ditolak daripada perkara berikut:
i. apabila premium dibayar;
ii. semasa serahan sebahagian atau penuh bagi Akaun 1;
iii. semasa penarikan balik penuh bagi Nilai Akaun 2;
iv. daripada sebarang manfaat atau tuntutan yang boleh dibayar di bawah polisi ini; atau
v. jika sebarang transaksi lain dibuat pada polisi ini seperti yang ditentukan Syarikat.
- Jaminan Tidak Luput tidak berkenaan bagi rider yang dilampirkan pada polisi. Rider akan luput jika terdapat premium yang
tidak dibayar selepas tempoh tenggang 30 hari, tanpa mengambil kira Nilai Akaun.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini.
6. Apakah pengecualian utama di bawah pelan ini?

· Kematian dalam tahun polisi pertama daripada tarikh permulaan risiko atau sebarang tarikh penguatkuasaan semula, mana yang
kemudian, akibat bunuh diri, ketika waras atau tidak waras.
· Manfaat Kematian akibat Kemalangan dan Manfaat Kematian akibat Kemalangan Tambahan (Pengangkutan Awam) tidak
dibayar jika kematian hayat yang diasuranskan tidak berlaku dalam tempoh sembilan puluh (90) hari dari tarikh kemalangan.
· TPD akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
· TPD sedia ada sebelum atau pada Tarikh Permulaan Risiko bagi polisi atau sebarang tarikh penguatkuasaan semula, mana yang
kemudian.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini.
7. Bolehkah saya membatalkan pelan?

Ya, anda boleh membatalkan polisi dengan memberi notis bertulis kepada Syarikat. Namun, anda tidak dinasihatkan untuk
memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Membeli polisi hayat adalah satu
komitmen jangka panjang. Jika Jaminan Tidak Luput dibatalkan, polisi anda mungkin luput melainkan polisi mempunyai Nilai Akaun
yang mencukupi. Amaun tunai yang dibayar oleh Syarikat apabila anda membatalkan polisi sebelum tempoh matang mungkin
berkurangan daripada amaun premium keseluruhan yang anda telah bayar.
8. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya / penama?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda / penama bagi
memastikan semua surat-menyurat dapat diserahkan kepada anda / penama dengan sepatutnya.
9. Bagaimanakah saya boleh mendapatkan maklumat lanjut?

Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan seperti boleh didapati di
www.insuranceinfo.com.my
Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di:

GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A)
(Dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia)
Ibu Pejabat : Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur.
Tel : +603 4259 8888
Faks : +603 4259 8000
Customer Service Careline : 1300-1300 88
E-mel : wecare-my@greateasternlife.com
10. Apakah jenis pelan lain yang serupa?

Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis pelan lain yang
serupa.
NOTA PENTING:
MEMBELI POLISI INSURANS HAYAT ADALAH SATU KOMITMEN JANGKA PANJANG. ANDA MESTILAH MEMILIH JENIS PELAN
YANG MEMENUHI KEPERLUAN PERIBADI ANDA DENGAN SEBAIKNYA. ANDA DIGALAKKAN UNTUK MELANTIK SEORANG
PENAMA DAN MEMASTIKAN PENAMA ANDA DIMAKLUMKAN BERKENAAN PELAN YANG ANDA BELI. ANDA HENDAKLAH
MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS
MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.

Jika terdapat percanggahan antara versi Bahasa Inggeris dan Bahasa Malaysia untuk dokumen ini, versi Bahasa Inggeris akan
digunakan.
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 20/04/2020.

Panduan Perkhidmatan
Syarikat kami menawarkan produk insurans hayat melalui tenaga agensi, rakan kongsi bank dan lain-
lain. Jika anda berniat untuk membeli produk insurans hayat yang dipasarkan oleh ejen kami, anda
boleh menikmati perkhidmatan tambah nilai seperti yang dinyatakan.
Apakah Perkhidmatan yang anda boleh harapkan dari Ejen kami?
SEBELUM ANDA MEMBELI POLISI
Berurusan hanya dengan ejen-ejen yang berdaftar

Anda boleh menyemak status ejen melalui laman sesawang Persatuan Insurans Hayat
! Malaysia (LIAM) atau melalui sistem pesanan ringkas (SMS).
Sila layari http://www.liam.org.my/index.php/customer-zone/know-your-agent untuk
maklumat lanjut.
Membantu Anda Memilih Pelan Insurans yang sesuai
Meneliti kandungan Borang Maklumat Pelanggan untuk memahami keperluan insurans dan
matlamat kewangan anda.
Mengesyorkan pelan insurans yang sesuai selepas menilai keperluan anda.
Menerangkan Ciri-Ciri Produk
Menerangkan ciri-ciri produk, manfaat yang dibayar, pengecualian, premium dan caj-caj.
Menyediakan Risalah Pemberitahuan Maklumat, untuk membantu anda dalam membuat
keputusan yang tepat dan memudahkan anda membuat perbandingan produk.
APABILA ANDA MEMBUAT KEPUTUSAN UNTUK MEMBELI POLISI
Membantu anda dalam permohonan polisi
Menerangkan kepentingan menjawab soalan di dalam borang permohonan dengan lengkap

dan tepat.
Menghantar permohonan untuk proses pengunderaitan selepas anda menandatangani
borang permohonan.
Mengatur pemeriksaan perubatan dengan salah sebuah klinik panel kami, jika perlu.
Memaklumkan kepentingan membuat penamaan untuk memastikan wang polisi diterima oleh
penama/ waris sekiranya berlaku kematian.
Menerangkan terma dan syarat polisi
Dokumen polisi akan dihantar kepada anda (dengan tangan atau melalui pos) dalam masa 28
hari.
Menerangkan terma dan syarat polisi kepada anda bagi memastikan pelan yang dibeli
sesuai dengan keperluan anda.

SEMASA TEMPOH POLISI
Perkhidmatan Polisi yang Berterusan
Membantu dalam proses pembaharuan polisi.

Menyediakan perkhidmatan berterusan seperti pengubahsuaian polisi, pertukaran alamat dan
kekerapan pembayaran premium. Jika ejen telah meninggalkan Syarikat, pihak kami akan
melantik ejen baru untuk berkhidmat kepada anda.
Membantu anda dalam membuat Tuntutan
Membimbing anda untuk melalui prosedur standard membuat tuntutan insurans.
Portal Pelanggan
Sila layari portal Pelanggan kami di https://econnect-

my.greateasternlife.com/eConnect2/jsp/login/login.jsp untuk mengakses maklumat polisi anda secara
dalam talian.
Nota: Jika anda tidak berpuas hati dengan perkhidmatan ejen kami, atau memerlukan
sokongan tambahan daripada syarikat kami, anda boleh menghubungi kami di 1-300-1-300-88.

Great Eastern Life Assurance (Malaysia) Berhad: MR Engineer

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

Great Flexi Plus

PRESENTED BY : LEONG SZE YEN (6644276)

What you should know? What you should be aware of?

Benefits upon Survival

Benefit Payable Upon Maturity

Total Premium Total Guaranteed Death Benefits

Total Death Benefits (Accidental Causes)

5. Prevailing Sum Assured

iii. Policy Fee

iv. Crediting Spread

All figures presented are in RM (Errors and omissions excepted).

1. What is this product about?

2. What are the covers / benefits provided?

Payment of TPD benefit is subject to the following conditions:

· Additional Accidental Death Benefit

· Additional Accidental Death Benefit-Public Conveyance

· Guaranteed Cash Payment

LEONG SZE YEN / (6644276) / 0474 / V02 / 1018 Page 11 of 31

Duration of cover: 30 years or upon termination, whichever occurs first.

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

LEONG SZE YEN / (6644276) / 0474 / V02 / 1018 Page 12 of 31

6. What are the major exclusions under this plan?

7. Can I cancel my plan?

8. What do I need to do if there are changes to my / my nominee(s) contact details?

9. Where can I get further information?

If you have any enquiries, please contact us at:

10. Are there any other similar types of plan available?

The information provided in this disclosure sheet is valid as at 20/04/2020.

LEONG SZE YEN / (6644276) / 0474 / V02 / 1018 Page 13 of 31

What Services can you expect from our Agent?

BEFORE YOU BUY A POLICY

Deal only with registered agents

Assist you in Choosing the Right Insurance Plan

Explain Product Features

WHEN YOU DECIDE TO BUY A POLICY

Assist you with the Policy Application

Explain the Policy Terms and Conditions

LEONG SZE YEN / (6644276) / (MPOS 5.20.6-3) Page 14 of 31

Continuous Policy Servicing

Assist in renewal of policy.

Assist you in making a Claim

LEONG SZE YEN / (6644276) / (MPOS 5.20.6-3) Page 15 of 31

Ilustrasi Manfaat Insurans Hayat Bagi

Great Flexi Plus

DISEDIAKAN OLEH : LEONG SZE YEN (6644276)

Manfaat jika Hidup

Manfaat yang boleh Dibayar Apabila Polisi Matang

Dijamin Tidak Dijamin

Pembayaran Tunai Manfaat Kematian

Pembayaran Manfaat Kematian (Akibat Kemalangan)

5. Jumlah Asurans Semasa

6. Premium Telah Dibayar

7. Premium Tidak Diperuntukkan

iii. Yuran Polisi

iv. Sebaran Kredit

1. Apakah produk ini?

2. Apakah perlindungan / manfaat yang disediakan?

Pembayaran manfaat TPD tertakluk pada syarat berikut:

· Manfaat Kematian akibat Kemalangan Tambahan