Smart Protect Legacy Max 财富传承


Smart Protect Legacy Max 财富传承

There is no greater legacy than inspiring endless possibilities

Precautionary measures are crucial to safeguard your loved ones against the challenges they may encounter when you are no longer with them. While you may not be able to predict what the future will hold, you can protect and strengthen your financial security with some planning now.

With SmartProtect Legacy Max, you can ensure that you have sufficient financial resources to take care of your loved ones if the unexpected strikes. On top of the benefit of life insurance and coverage till the age of 100 next birthday, this plan grants you access to a host of professionally managed unit funds and a flexible premium payment term to suit your goals. This will help provide a greater, brighter and more secure financial future for your loved ones – even the generations to come.


Will you always be by my side?

Great… is living the legacy of your loved ones.


Key benefits


Longer protection with flexible premium payment terms

SmartProtect Legacy Max allows you to enjoy long-term coverage until age 100 next birthday, with premium payment term options of 5, 10, 20 or 30 years1 .



Additional coverage for accidental death

You will receive an additional amount of your Basic Sum Assured in one lump sum upon accidental death prior to the policy anniversary of age 70 years next birthday1 .



Additional 1% sum assured each year

An additional 1% of your Basic Sum Assured will be provided to you upon every completed policy year, should death or TPD2 occur, up to a maximum of 30%1 .



Security of No-Lapse Guarantee

SmartProtect Legacy Max 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 TIV becomes zero, so long as your premiums are paid consistently and no withdrawals are made in the first 6 policy years1 .



Booster reward to celebrate policy milestones

A booster reward of 12% of your Basic Sum Assured will be credited3 into your TIV4  account, provided the policy is in-force and all premiums due are paid up-to-date.



Financial flexibility for a secure tomorrow

To safeguard your family’s financial security in the future, you can bolster the resources you leave them with the option of boosting the investment value of your policy via single premium top-ups5 .



High protection against death and TPD

With coverage starting from RM500,000, your loved ones will not be financially burdened should death or TPD occur1 . 



Boosted protection with optional riders

You can enjoy greater peace of mind by attaching optional riders to your SmartProtect Legacy Max plan1 .

Footnotes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover.

1 Terms and conditions apply.

2 Total and Permanent Disability.

3 On the policy anniversary of attained age 70 years next birthday or at the end of the 30th policy year, whichever is later.

4 Total Investment Value.

5 Subject to a minimum of RM1,000.



SmartProtect Legacy Max 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 for the whole term of the policy, or until death or TPD 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 next valuation date; and

b.  the investment values of the units which have been cancelled to pay for insurance charges and policy fee; and

c.  the amount of the premiums that have not been allocated;

minus the medical expenses incurred for medical examinations, 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.


In cases where the purchase involves a premium of a sizeable amount i.e. RM5,000 and more, the prospect should consider purchasing a single premium investment-linked insurance plan as single premium plans offer better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance protection as regular premium plans and may have less riders/supplementary benefits available.


You may stop paying the premiums and still enjoy protection as long as there is a sufficient total investment value to pay for the insurance charges, policy fee and supplementary benefit premiums, where applicable. However, there is a possibility of the policy lapsing when the required charges, including rider charges, exceed the value of the fund units available. Purchasing too many unit-deduction riders may deplete the fund units.


In the event the actual sustainability of the policy is reduced due to revision of insurance charges, the Company may vary the Basic Annual Premium and any regular investment top-ups on 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 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 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.


The 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.


If there is any discrepancy between the English, Bahasa Malaysia, and Chinese versions of this brochure, the English version shall prevail.


The terms “Great Eastern Life” and “the Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.


Information correct as on 1 July 2019.

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