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Protects You and Your Loved Ones At Very Affordable Premium

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Protects you and your loved ones at very affordable premium!

Now you can protect both you & your loved ones' financial security with Super Protector & Super Protector Plus. The uniqueness of Super Protector Plus is that it offers you a GUARANTEED Sum Assured which increases at 5% of initial sum assured every year until the policy matures.

What are the benefits of this plan?

Nothing can ever replace you. The consolation is that the Guaranteed *Death benefit helps ease the financial burden of your loved ones - when they need it most!

*Death from suicide within one (1) year from issue date or date of reinstatement, whichever is later, whether the insured is sane or insane, shall limit the Company's liability to the return of premiums paid without interest, less any indebtedness and the policy shall be terminated.

Protection against Total and Permanent Disability (TPD)

In the event of **TPD before age 60, it pays you the ^sum assured (^for Super Protector Plus, sum assured payable is fixed at the point of TPD) - when you need it most.

**This plan excludes any disability caused directly or indirectly, wholly or partly, by any of the following occurences:

1. Self-destruction or any attempt thereat while sane or insane

2. Military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order
3. Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.

Guaranteed Premium

With Super Protector & Super Protector Plus, basic premiums are payable and guaranteed to remain unchanged throughout the policy years. You have the flexibility to pay the premiums monthly, quarterly, semi-annually or annually.

Guaranteed Cash Back on Maturity

If you keep the policy until maturity, you'll be rewarded with guaranteed maturity benefit. This plan gives you the option to choose how you want your money back in on of the following ways:

1. 120% of Total Premium Paid (Total Premium Paid is defined as total basic premium payable under the annual mode premium, excluding any optional rider premium) in a series of annual payment over a fixed number of years corresponding to the term of the policy (ANNUITY), or

2. In one lump sum, which is equivalent to the discounted value of a series of annual payment

The choice is yours!

Frequently Asked Questions

1. WHAT TERM IS AVAILABLE? This plan is flexible to meet your needs, You have a choice of 20, 25 or 30 years term.
2. WHAT ABOUT THE PREMIUM PAYING TERM? The premium is payable over the term of the policy.
3. WHO IS ELIGIBLE? You can be insured with Super Protector & Super Protector Plus if you are between 0 (30 days old) and 60 years old.
4. WHAT IS THE MINIMUM AND MAXIMUM SUM ASSURED FOR THIS PLAN? The minimum sum assured is RM25,000 and the maximum sum assured is subject to underwriting approval.
5. IF 100% OF SUM ASSURED HAS BEEN CLAIMED, CAN I STILL GET CASH BACK ON MATURITY? No. Policy is terminated upon 100% claims on sum assured.
6. CAN A POLICYHOLDER CHANGE FROM ONE PLAN TO ANOTHER PLAN, eg. 20 YEARS TO 30 YEARS TERM? No. It is due to the guaranteed value upon maturity which is fixed for each plan.
7. DURING ANNUITY TERM, IF A POLICYHOLDER CHANGES HIS MIND OR PASSED AWAY, WHAT HAPPENS TO THE BALANCE OF THE ANNUITY? Whenever a policyholder decides to stop the annuity, he/she can withdraw the balance of the annuity which is subjected to the discounted rate at 5% per annum. The exact amount shall be calculated at that point of time. In the event the policyholder passed away during the annuity term, the beneficiary may continue to receive the annuity payment or to withdraw the remaining balance of annuity at the discounted rate of 5% per annum.
8. WHEN DOES A POLICYHOLDER NEED TO CHOOSE THE CASH BACK OPTION? At the point of sales (In other words, during signing up of the plan).

How do I request for a proposal?

You may request for a Super Protector or Super Protector Plus proposal by just emailing us with the following details and we will send you the proposal via email:-

1. Super Protector 20 years
2. Super Protector 25 years
3. Super Protector 30 years
4. Super Protector Plus 20 years
5. Super Protector Plus 25 years
6. Super Protector Plus 30 years

• Your Name
• Your Date of Birth
• Your Gender
• Your Occupation
• Are you a smoker? Yes or No

• Your Child's Name
• Your Child's Date of Birth
• Your Child's Gender

1. Annually
2. Semi-Annually
3. Quarterly
4. Monthly

1. By Master or Visa Card
2. By Cheque
3. By Cash

Note: Payment by cash is not encouraged.

1. Email (Please provide detail)
2. Mobile Telephone (Please provide detail)
3. Office / Home Telephone (Please provide detail)

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or if you prefer, you may e-mail us at kooagen@streamyx.com

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