The world around us is constantly evolving. Life evolves and is unpredictable. You, however, can guarantee yourself some peace of mind by protecting your family and your loved ones against mishaps. Your family depends on you, and there's no substitute for your love and support. With 20 PayMaster Guaranteed we will take that worry from you. 20 PayMaster Guaranteed is a plan that allows you to, at the least, guarantee permanent financial security for your loved ones.

20 PayMaster Guaranteed gives you more than just guaranteed lifetime insurance protection..... it's also an attractive savings plan. This plan rewards you in the form of guaranteed annual cash payments until you reach age 88. As the saying goes, "No fear if we die, but what if we don't!" What's really great about 20 PayMaster Guaranteed is the longer you invest in the policy, the higher will be the potential returns. It really comes in handy for your children's further education or your own retirement, or perhaps even as a down-payment for a deam home.

This plan can be an effective way of protecting your family's assets by giving you certainty in more ways than one, such as.....

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This plan rewards you with guaranteed annual cash payments. The guaranteed annual cash payments are yours to use as you wish..... or better still if you do not need it yet, just leave it to *accumulate (*the interest rate for accumulation is not guaranteed and is dependent on the performance of the Company) in the policy and let the cash grow further, just for you! The table below indicates the way (based on the person's last birthday age of entry) and the amount of guaranteed annual cash payment for 20 PayMaster Guaranteed:-

Entry Age	Policy Year	GACP (% of Basic Sum Assured)
0 - 30	1st - 19th	0%
	20th - 30th	6%
	31st onwards	8%
31 - 50	1st - 14th	0%
	15th - 30th	6%
	31st onwards	8%

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With 20 PayMaster Guaranteed you only have to pay basic premium for 20 years - with the assurance that basic coverage is guaranteed up to age 88. You can opt to pay your premium annually, semi-annually, quarterly or monthly. Simply put, it's a peace of mind - for you and your loved ones whom you care so much about.

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It provides you with whole life coverage until age 88..... A GUARANTEE!

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If you keep the policy until age 88, you will be rewarded with maturity benefit in the form of 100% of the sum assured. It's our way of saying thank you for staying with MAA Assurance and wishing you a very Happy 88th Birthday!

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In the event of TPD before age 60, it pays you the **sum assured (** sum assured is defined as the Basic Sum Assured, if the Basic Sum Assured plus GACP paid is greater than the Total Premium Paid under the annual payment made. Otherwise, the Total Premium Paid shall be payable). You can use the proceeds to take care of medical costs, or settle outstanding financial commitments.

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