Great Treasure Wealth 储蓄


Great Treasure Wealth 储蓄

A wealth protection plan geared towards realising your goals

Whatever your aspirations may be – whether it’s raising a family, excelling at your dream job, or even pursuing your personal passions – financial security and life protection should always come hand-in-hand to give you the confidence you’ll need on this lifelong journey.

Great Treasure Wealth was developed with a keen understanding of just how important it is to have both, and is designed to reward you for your commitment and early planning. For a premium payment term of just 6 years, you’ll be protected with 20 years of insurance coverage, plus the chance to grow your wealth through high allocation rates and an investment booster feature – all completely free from medical underwriting!

With Great Treasure Wealth, you can rest assured that your needs and commitments can always come first, at any and every stage in life.

Key benefits


Short financial commitment for 20 years of coverage and returns

Take advantage of a 6-year limited premium payment term for insurance coverage that lasts you 20 years, with a high 95% allocation rate on your Investment-Linked Component1 premiums to purchase units of your chosen fund(s), giving you the opportunity to grow your wealth2 .



Hassle-free enrolment with no medical underwriting

With no health questions or medical examinations required, signing up for this plan is an easy process2 .



Investment booster feature to grow your wealth

Watch your finances grow with an investment booster that pays a percentage of your total annualised premium3 into your TIV4 account at the end of every policy year2 .

Additional benefits


Financial protection for life’s unexpected events

In the event of death or TPD, this plan cares for your loved ones with a payout5 to help ease any financial uncertainties they may face2 . 



Maturity benefit at the end of your policy term

To celebrate your plan’s maturity, you’ll receive 510% of your total annualised premiums3 less total investment booster credited into the TIV, plus TIV with potential investment upside (if any)2 .



Additional coverage for accidental death

Should accidental death occur6 , your family is entitled to an extra payout of up to 200% the guaranteed death benefit (GDB), on top of the death benefit they will already receive2 .

How Great Treasure Wealth works


Footnotes and disclaimers


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


1 70% of your premiums paid will be allocated into the Non-Participating Component (“Non-Participating Premium”) and the remaining 30% into the Investment Linked Component. Out of the 30% of the premium paid that is allocated into the Investment-Linked Component, 95% is allocated to purchase units of your chosen investment-linked fund(s).

2 Terms and conditions apply.

3 Total annualised premium is the total premiums paid for a policy year.

4 Total Investment Value.

5 The amount payable for the death and TPD benefits is subject to the cause and year of death or TPD, and will be payable in accordance with the provisions stated in the policy contract.

6 Only applicable for accidental death that occurs prior to the policy anniversary of attained age 70 years next birthday.



Great Treasure Wealth is a limited pay endowment plan without participation in profits with investment-linked features, consisting of Non-Participating Component and Investment-Linked Component. Some of the choices of funds invest in Shariah-approved securities. However, this is not a Shariah-compliant product. The Investment-Linked Component is an insurance component 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 TPD or termination of the policy, whichever occurs first. Premiums will remain the same throughout the premium payment term.


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 premium paid without interest for the Non-Participating Component; and

b.     the unallocated premiums and the value of the units that have been allocated (if any) at unit price at the next valuation date for Investment-Linked Component.


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.


The policy does not have a guaranteed minimum cash value for the Non-Participating Component on termination until after you have paid premiums for two years. An early termination of the policy involves high costs and the withdrawal value of the Investment-Linked Component is dependent on the prevailing market value of the underlying assets of the unit fund(s). Therefore, if you surrender your policy early, you may get back less than the amount you have paid. The policy value of the Investment-Linked Component may rise or fall, based on the underlying performance of the fund(s). The performance of the fund is not guaranteed. The investment risk under the Investment-Linked Component will be borne solely by the policy owner. Past actual performance is not a guide to future performance, which may be different.


If you stop paying premiums before the end of the premium payment term, an automatic premium loan will be effected under your policy to pay future premiums so long as the cash value and/or total investment value are more than the total indebtedness. The Company shall charge interest on the above loans at interest rates to be determined by the Company from time to time. The prevailing interest rate is available on the Company’s official website. Cessation of premium payment before the end of the premium payment term may lead to an early termination of coverage.


You have the option of boosting the investment value of your policy via single premium top-ups, subject to a minimum of RM1,000 per top up, provided all premiums due and any indebtedness have been paid.


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 at 19 July 2021.

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