Smart Protect Sure 保证保障现金


Smart Protect Sure 保证保障现金

Wealth protection to safeguard your future

The future always brings with it new and exciting possibilities, but can also present its fair share of challenges. With rising expenses in a fast-paced world, working towards your goals while taking care of your family may seem like an increasingly daunting task.

SmartProtect Sure will shield you from the unexpected while giving you the freedom to pursue your aspirations. On top of the benefit of life protection for 30 years or up to age 70 years next birthday, whichever is later, this plan also provides you financial flexibility by offering you various premium payment term options according to your level of commitment. Take your wealth further with access to a host of professionally managed unit funds and even monetary rewards to mark certain policy milestones.

Key benefits


High protection against life’s unexpected events

With coverage starting from RM500,000, SmartProtect Sure provides your loved ones with sufficient financial resources to carry on from unexpected events like death, TPD1 and accidental death2 .



Guaranteed insurance charge rates

This plan and its attachable riders come with insurance charge rates that remain unchanged throughout your entire policy term2 .


Extra safety net of 1% additional sum assured each year

Your sum assured will grow by 1% every completed policy year throughout your coverage period, up to a maximum of 30 years2 .

Additional Benefits

Long-term protection with flexible premium payment terms

SmartProtect Sure covers you for 30 years or up to age 70 years next birthday, whichever is later, and comes with the flexibility of selecting your preferred premium payment term of 5, 10, 20 or 30 years2 .

Security of No-Lapse Guarantee

SmartProtect  Sure 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 total investment value  becomes zero, so long as your premiums are paid consistently and no withdrawals are made in the first 6 policy years2 .

Rewards to celebrate policy milestones

Once your policy matures, you will receive 100% of your total investment value less indebtedness (if any), as well as a maturity booster of 12% of the basic sum assured3 .

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-ups6 .

Optional conversion of your plan at maturity

Upon maturity of your SmartProtect Sure plan4 , you can choose to purchase a level sum assured endowment or whole life policy5 .

Boosted protection with optional riders

You can enjoy further peace of mind by attaching various optional riders to your SmartProtect  Sure plan2 .

Footnotes and disclaimers


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


1 Total and Permanent Disability.

2 Terms and conditions apply.

3 Provided all premiums due are paid up to date.

4 Maturity must not later than the year in which you attain age 80 years next birthday.

5 Up to the net sum assured at the maturity date of your policy.

6 Subject to a minimum of RM1,000 per top-up.




SmartProtect Sure is a regular premium investment-linked insurance plan. Some of the choice of funds invests in Shariah-approved securities. However, this is not a Shariah-compliant product. This plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts. Premiums are payable until the end of the premium payment term, or until death or 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 the next valuation date; and

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

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

minus the expenses occurred 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. If you switch over your policy from one company to another or if you exchange your current policy with another policy within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of the policy switching or replacement.


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.


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.


This brochure 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 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 1 January 2020.


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