Miss Soo QTN

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
MISS Soo
Plan Type
SmartProtect Essential Insurance 2
PRESENTED BY : TAY CHIN LONG (6171866) DATE PREPARED : 14/05/2011
Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8888 Fax : (603) 4259 8000 Date: 14/05/2011 (GELSIS-5.25) Prepared by : TAY CHIN LONG
Quotation for Plan Type Client Name : 0281 SmartProtect Essential Insurance 2 : Regular Premium Investment-Linked Insurance Plan : MISS Soo Gender Smoker Age Next Birthday Occupation Class Premium Mode : Female : No : 32 :1 : Yearly
PLAN DESCRIPTIONS: SmartProtect Essential Insurance 2 is a regular premium investment-linked insurance policy with access to professionally managed Unit Funds with the benefit of insurance coverage. Premiums paid are used to purchase units in the Unit Fund(s). The policy value of this plan will vary directly with the performance of the Unit Fund(s). This plan provides you benefits in the event of death or Total and Permanent Disability (TPD). In addition, this plan also give you 1% additional sum assured every year at no cost, which will be payable in the event of death or TPD, subject to relevant terms and conditions. Basic Plan and Rider(s), if any Basic Annual Premium # Unit deduction rider(s) U66 SM150 48 150 0.00 0% 0.00 0.00 0.00 U78 IL-WPP 67 1,320 0.00 0% 0.00 0.00 0.00 Total (RM) 1,320.00 0.00 1,320.00 ^ All premium payable by a Business Organisation other than Great Eastern Life Assurance (Malaysia) Berhad, are subject to the prevailing government service tax. # Basic Annual Premium comprises Insurance Premium and Balancer (if any). Balancer is the regular premium in excess of the Insurance Premium. For unit deduction rider(s), the coverage for these riders is paid from the Basic Annual Premium. * This plan will be terminated in the event of death, Total and Permanent Disability (TPD), or Total Investment Value falls to zero or below. For illustration calculation purpose, the policy term is by default 99 years minus age at entry. IMPORTANT: THIS 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. You should read this illustration together with the fund fact sheet(s) of the Unit Fund(s) which you have chosen. The fund fact sheet contains all the important information that you will need to know regarding the Unit Fund(s) Since only 43% of the Insurance Premium for the first two policy years is used to purchase units, while 95% of Top-Ups is used to purchase units, you can maximize your investment value by minimizing your Basic Annual Premium and maximizing your Top Ups. Minimum Basic Annual Premium Required* : RM1,200.00 Minimum Single Premium Top-Ups Allowed* : RM1,000.00 * This is the minimum amount that you can purchase. Please note that the amount purchased may be subject to further adjustments in accordance to regulatory guidelines. Therefore, if your purchase involves a premium of sizeable amount say RM 5,000 and above, you should consider purchasing a single premium investment-linked insurance policy (rather than a regular premium policy) 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 attachable. Your investment-linked insurance policy will lapse / terminate if there is not enough units in your fund(s) to pay the charges. Your units may not be enough over the years due to: High insurance charges if you buy too much coverage (i.e high Basic Sum Assured or too many riders), and especially if the charges are increasing over time as you get older Poor investment returns Premium holiday - i.e. if you stop paying premiums for a long period of time WARNING YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.* *You should ask your agent to explain to you about the insurance charges and its effect on your future insurance coverage. SUMMARY ILLUSTRATION: This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on cash values based on illustration below. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen Unit Fund(s). They are not guaranteed and not based on past performance. Actual returns of the fund(s) will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invests in. The actual returns may even be below the projected rates or negative. Term * (Years) 67 Benefit Amount (RM) 14,000 Annualised Extra Mortality Premium ^ (%) (RM) 1,320.00 0% Loading (RM Per 1,000) 0.00 Extra Premium (RM) 0.00 Yearly Premium ^ (RM) 1,320.00
GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)
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Investment Strategy Selected Investment Horizon
: 22 Very Dynamic ^ : 67 Years
Your Investment Strategy is determined after following through the steps as in the 5-step Guide to choosing the right investment strategy. Investors are broadly classified to 6 categories based on their risk aptitude, ranging from very secure type of investor to very dynamic type of investor. Besides the standard strategies, you can also choose your own Investment Strategy that best suits your risk profile. You should satisfy yourself that the Investment Horizon selected is reasonable in achieving your financial goal. Projected Gross Investment Return # Y% X% Policy Year 1-20 Policy Year 21-30 Policy Year 1-30
8% 7% 8% 7% 8% 9% 9% 5.50% 5.00% 5.50% 5.00% 5.50% 6.00% 6.00% 3% 4% 3% 4% 3% 2% 2%
Unit Fund(s) Selected

F1 F4 F5 F6 F9 F17 F18 Lion Balanced Fund Lion Fixed Income Fund Lion Progressive Fund Dana Sejati Lion Strategic Fund Lion Enhanced Equity Fund Dana Gemilang
Policy Year From To

1 62 63 64 65 66 67 61 62 63 64 65 66 67
F1
F4
20% 40% 60% 70% 80% 90%
F5
Unit Fund(s) Selected F6
F9
F17
100% 80% 60% 40% 30% 20% 10%
F18
Policy Year From To

1 20 21 30 ^Please refer to Important Notes for your investment profile. #Before deduction for tax and fund management charge
Weighted Projected Gross Investment Return # Y% X%

9.00 6.00 2.00 2.00
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Illustration of Expected Benefits for Basic Plan and Rider(s), if any
Not Guaranteed End of Policy Year Age at End of Policy Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 Total Premium Paid Net Projected Investment Return of Fund: Net Projected Investment Return of Fund: Y%# X%# SM150 Rider(s) IL-WPP
Cash Value 1,320.00 2,640.00 3,960.00 5,280.00 6,600.00 7,920.00 9,240.00 10,560.00 11,880.00 13,200.00 14,520.00 15,840.00 17,160.00 18,480.00 19,800.00 21,120.00 22,440.00 23,760.00 25,080.00 26,400.00 27,720.00 29,040.00 30,360.00 31,680.00 33,000.00 34,320.00 35,640.00 36,960.00 38,280.00 39,600.00 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354
Death Benefit 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414
Cash Value 58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
Death Benefit 14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320
# Details on Gross Weighted Projected Investment Return of X% and Y% are available in the previous page. NOTES: -
1. SM150 :SmartMedic 150 IL-WPP :IL Waiver of Premium Plus Rider 2.Benefit(s) under the rider(s) is payable only if the basic plan and the rider(s) are in force. 3.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes. 4.All figures presented are in RM. (E&OE) 5.The projected investment returns shown above is net of tax and all applicable charges.
GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25) Page 4 of 41

Illustration of Expected Benefits under net projected investment return of X% and Y% assumption #
Not Guaranteed (A) End of Policy Year Age at End of Policy Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 Premiums Paid (B) Unallocated 1 Premium (C) Allocated Premium (D) Basic Sum Assured (E) Additional Sum Assured (F) (G) (H) Policy Fee (I) Fund Management Charge (J) Net Cash Value (K) = (D)+(E)+(J) Death Benefit (L) Direct Distribution 2 Cost 462.00 462.00 330.00 330.00 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Insurance Charge
Basic Plan 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 752.40 752.40 316.80 316.80 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 567.60 567.60 1,003.20 1,003.20 1,122.00 1,122.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 0 140 280 420 560 700 840 980 1,120 1,260 1,400 1,540 1,680 1,820 1,960 2,100 2,240 2,380 2,520 2,660 2,800 2,940 3,080 3,220 3,360 3,500 3,640 3,780 3,920 4,060 18.72 18.72 18.72 18.72 18.72 18.72 18.72 18.72 20.28 21.72 23.40 25.32 27.72 30.48 33.96 38.16 43.08 48.48 54.36 60.84 67.80 75.12 83.40 92.52 102.60 114.00 126.00 138.72 151.92 164.88
Rider(s) 419.64 421.32 423.72 426.12 478.20 481.92 485.28 487.92 491.40 571.80 576.24 582.84 588.00 592.68 698.04 702.48 713.52 718.92 724.80 878.76 884.88 891.72 891.36 897.48 1,029.12 1,036.80 1,044.36 1,053.72 1,072.80 1,466.04 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72
Y% 4 5 12 20 30 40 54 68 83 99 115 132 150 170 190 210 231 254 278 303 331 349 367 386 404 422 440 459 478 494
X% 4 5 12 19 28 36 47 59 70 80 90 100 110 120 129 137 144 152 160 166 171 176 181 185 189 191 193 194 196 193
Y% 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354
X% 58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
Y% 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414
X% 14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350
# Details on Gross Weighted Projected Investment Return of X% and Y% are available in an earlier page. 1. This represents a charge to your premium and is used to meet the direct distribution cost and Company's expenses. 2. Cost directly attributable to the distribution channel for the marketing of this policy, i.e. payments to your agent. This cost is paid from the charges that are imposed on your policy for services that your agent will provide to you for the duration of your policy. Note also that production bonus (5% of the first year premium) and persistency bonus (5% of the second year premium) are payable provided your agent meets the qualifying criteria set by the Company. 3. The projected investment returns shown above is net of tax and all applicable charges. NOTES: 1.The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED. GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25) Page 5 of 41
2.The value of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets. 3.Past actual performance is NOT a guide to future performance which may be different. 4.The illustrated life insurance charges and other charges are based on current levels. These may be varied from time to time. 5.Where "N/A" is shown in the above illustration, this indicates that there is no insurance charges and benefit coverage for the rider(s). 6. Where "-" is shown in the above illustration, this indicates that the policy has lapsed under the projected investment returns of X% and Y% respectively, as indicated in the respective column headers. As a result, this means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the policy is based on the projected investment return of Y%. Please note that these outcomes are based on the assumed investment returns, premiums paid and charges. The benefits may vary, and the policy may lapse earlier or later depending on actual investment returns, premiums paid and charges 7.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes. 8.All figures presented are in RM. (E&OE)
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** IMPORTANT NOTES GENERAL INFORMATION The information set out below forms part of your Sales Illustration. Great Eastern Life Assurance (Malaysia) Bhd ("Company") believes it is important that you fully appreciate all the benefits under your policy and that you also understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits. You should satisfy yourself that the plan serves your needs and that you can afford the premium. If you need clarification, please contact us or your agent. Buying a regular premium life insurance policy is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. The information set out below explains the individual items in the Sales Illustration table. PROJECTED INVESTMENT RATE OF RETURN The returns of X% and Y% have been used respectively to represent the range of possible returns on your chosen Unit Fund(s), as shown in earlier pages. These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the actual rate that may occur. The illustrated returns shown have been used to represent the range of possible returns based on your Investment Strategy and Investment Horizon. The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than the values illustrated. The investment risks under the policy are to be borne solely by the policy owner. The policy owners must be aware that the unit prices may fall as well as rise. Below is the historical actual annual investment returns of the Unit Fund(s) compared with the selected benchmark indices for the Unit Fund(s) Actual Investment Returns Unit Fund(s) 2005 2006 2007 2008 2009 F1 Lion Balanced Fund 0.24% 23.75% 34.39% -19.89% 29.29% F4 Lion Fixed Income Fund 8.30% 10.40% 7.13% 5.26% 4.23% F5 Lion Progressive Fund -1.14% 24.64% 33.51% -27.95% 33.20% F6 Dana Sejati^^ 8.21% 9.66% 6.92% 4.41% 3.66% F9 Lion Strategic Fund n/a * 30.52% -22.57% 27.57% F17 Lion Enhanced Equity Fund n/a n/a n/a n/a n/a F18 Dana Gemilang n/a n/a n/a n/a n/a ^^ formely known as Mauzuun Bond Fund * Incomplete year Benchmark Returns Unit Fund(s) Benchmark 2005 2006 2007 2008 2009 F1 Lion Balanced Fund Weighted 1.59% 12.59% 17.35% -20.20% 22.50% Benchmark F4 Lion Fixed Income Fund 12 months FD 3.80% 3.90% 3.76% 3.80% 2.70% F5 Lion Progressive Fund FBM 100* -0.84% 21.83% 31.82% -39.30% 45.60% F6 Dana Sejati^^ 12 months 3.80% 3.60% 3.75% 3.80% 2.80% Mudharabah Deposit F9 Lion Strategic Fund Weighted 1.59% 12.59% 17.35% -20.20% 22.50% Benchmark F17 Lion Enhanced Equity FBM 100 -3.20% 23.00% 33.40% -40.90% 48.00% Fund F18 Dana Gemilang FBM Shariah -8.70% 26.50% 45.60% -43.50% 43.00% where FBM 100* : FTSE Bursa Malaysia 100 Index (The yearly returns prior to July 2009 were based on KLCI) FBM 100 : FTSE Bursa Malaysia 100 Index FBM Shariah : FTSE Bursa Malaysia Emas Shariah Index 12 months FD : 12 months Fixed Deposit Benchmark 12 months Mudharabah Deposit : 12 months Mudharabah Deposit Weighted Benchmark : 50-50 weighted average index between FBM 100 and 12 months FD rates (The yearly return prior to July 2009 comprise if a 50-50 weighted average index between KLCI and 12 months FD rates Please note that the historical actual annual returns of the Unit Fund(s) are not available for new fund(s). The actual investment returns shown above are on a net basis (net of tax and charges) and do not take into account the bid/offer spread if any, nor any charges that may be levied. Past actual performance is NOT a guide to future performance which may be different. Note that the rates of return referred to above is calculated based on the investment in the specified Unit Fund(s) and not to the premiums paid under this policy.
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Description of Fund Objectives A fund which invests in a mixture of equities (ranging from 40% to 60%) and fixed income securities. This fund seeks to provide medium to long-term capital appreciation, with a moderate level of volatility. F4 Lion Fixed Income A fund which invests in fixed income securities like government and corporate bonds (ranging from Fund 40% to 95%) with the balance invested in cash and cash equivalent. This fund seeks to provide consistent return at low levels of volatility. F5 Lion Progressive A fund which invests in a mixture of equities (ranging from 50% to 90%) and fixed income securities. Fund This fund seeks to provide medium to long-term capital appreciation, with a moderate-to-high level of volatility. F6 Dana Sejati A fund which invests in fixed income securities like government and corporate bonds (ranging from 40% to 95%) with the balance invested in cash and cash equivalent. This fund seeks to provide consistent return at low levels of volatility. Dana Sejati invests in Syariah approved securities. F9 Lion Strategic Fund A fund which invests in a mixture of equities, fixed income securities and money market instruments. There is flexibility in asset allocation as this fund may invest solely in fixed income securities or equities. This fund seeks to provide medium to long-term capital appreciation, with a moderate level of volatility. F17 Lion Enhanced A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term. Equity Fund This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary, to enhance the funds returns. F18 Dana Gemilang A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term. This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary, to enhance the funds returns. The fund only invests in Shariahapproved securities. The choice of Unit Fund(s) should be based on, among others, your tolerance to risk. Please seek advise from your agent or us on your tolerance to risk PREMIUMS PAID This is the amount that you (the policy owner) pay for this policy. Take note that not all of the amount paid will be invested into the Unit Fund(s) you selected. See explanation on unallocated and allocated premium below UNALLOCATED PREMIUM The unallocated premium charge is an upfront charge on the premium paid and is used to meet the insurer's expenses and direct distribution cost, including the commissions payable to the agent. Your agent may also be entitled to production and persistency bonuses during the first two years of the policy provided that your agent meets the qualifying criteria set by the Company. ALLOCATED PREMIUM This is the amount that will be used to purchase units at Net Assest Value (NAV) in the Unit Fund(s) which you selected. Net Asset Value (NAV) : NAV is the single price at which the policy owner purchase the units in an Unit Fund(s) and sell the units back to the Unit Fund(s). The NAV of each Unit Fund(s) is determined daily after the valuation of the assets of the Unit Fund(s). The allocation rates for Basic Annual Premium are as follows (as a % of premiums) :Policy Year 1 2 3 4 5 6 7 & onwards Premiums Paid 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 Allocated (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00% Premium 567.60 567.60 1,003.20 1,003.20 1,122.00 1,122.00 1,320.00 (RM) The allocation rates for Single Premium Top-Ups and Balancer is 95% of premium paid for all years. BASIC SUM ASSURED This is the minimum amount to be received on death or when you become disabled The policy owner may increase the basic sum assured without increasing the regular premium, subject to the terms amd conditions to be determined by the Company at the time. CHARGES These charges are taken out from your Unit Fund(s). The illustrated insurance charges and other charges are based on current levels. These are not guaranteed and may be varied from time to time by giving 3 months notice to policy owners. For Medical and Health Insurance plan/rider, a 30-day notice will be given for any upward revision on the charges. Insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge for insurance coverage varies by the attained age, gender, occupation class, medical rating and smoking status, where applicable. The insurance charges will increase as you grow older. Other Charges: In this illustration, the following charges have been assumed:(a) Policy Fee : An administration charge of RM6 will be deducted monthly from the Unit Fund(s). (b) Fund Management Charge : This refers to the annual management fee (% of Unit Fund(s)) deducted to cover the cost of managing the Unit Fund(s). F1 Lion Balanced Fund
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Unit Fund(s) F1 F4 F5 F6 F9 F17 F18 Lion Balanced Fund Lion Fixed Income Fund Lion Progressive Fund Dana Sejati Lion Strategic Fund Lion Enhanced Equity Fund Dana Gemilang
Fund Management Charge (per annum) 1.00% 0.50% 1.35% 0.50% 1.25% 1.50% 1.50%
CASH VALUE This is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax and all applicable charges If the policy is terminated early, you may get less than the amount of premiums paid. This plan does NOT offer any guaranteed minimum surrender value or maturity benefit and the policy may lapse early depending on the actual investment returns and charges. The Company reserves the right, in circumstances it considers exceptional, to suspend creation or cancellation of units. DEATH BENEFIT This is the amount that will be payable on your death. While the policy is inforce and subject to its terms and conditions, in the event of death of the life assured, the following will be payable as Death Benefit: (i) Basic Sum Assured; plus (ii) Additional Sum Assured; plus (iii) the total values of the Unit Fund(s), if any, which is calculated at NAV on the next valuation date. For person covered below age 5 years next birthday, a child lien as follows shall apply to the Basic Sum Assured and Additional Sum Assured: Age Next Birthday on Policy Anniversary 1 2 3 4 Percentage (%) of Basic Sum Assured & Additional Sum Assured 20% 40% 60% 80% Full cover will be given from age 5 next birthday onwards. TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT While the policy is inforce and subject to its terms and conditions, in the event of Total and Permanent Disability prior to the policy anniversary on which the life assured attains age 70 years next birthday, the Company will advance the Basic Sum Assured as follows: (i) the Basic Sum Assured and Additional Sum Assured not exceeding RM 2,000,000 shall be paid in 3 annual instalments with the first being a lump sum of the Basic Sum Assured and Additional Sum Assuured or RM1,000,000, whichever is lesser, and (ii) the balance of the Basic Sum Assured and Additional Sum Assured (if any) will be payable in two equal, annual instalments of maximum RM500,000 each. The maximum TPD Benefit payable under this and all insurance policies (including riders) on the same life assured, is RM3,500,000 per life across all distribution channels. For life assured below age 5 years next birthday, a child lien as per Death Benefit shall apply. This is further subject to a maximum TPD Benefit of RM500,000 payable under this and all insurance policies (including riders) on the same life assured. EXCLUSIONS Death during the first policy year as a result of suicide, while sane or insane. TPD resulting from self-inflicted injuries, while sane or insane. Note: The above list of exclusions is appliable for basic plan only and is non-exhaustive. Please refer to your policy for the full list of exclusions under the basic plan and rider(s), if any. RIDER(S) DESCRIPTION U66 SmartMedic (SM150) SmartMedic is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury. It comes with a unique product feature where the Initial Overall Annual Limit will be increased at the end of every third(3rd) policy year starting from the risk effective date provided that no claim has been made during the immediate preceding 3 policy years. U78 IL Waiver of Premium Plus Rider (IL WPP) IL Waiver of Premium Plus Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability (TPD) or critical illness of the life assured, whichever occurs first.
In the event of any inconsistency, the English version of this illustration shall prevail over all other versions.
Prepared by : TAY CHIN LONG Date : 14/05/2011
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Soo
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up SmartProtect Essential Insurance 2. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad ("the Company") Name of Product : SmartProtect Essential Insurance 2 Date : 14/05/2011 __________________________________________________________________________________________________________ 1. What is this product about? SmartProtect Essential Insurance 2 is an investment-linked insurance plan ("ILP") that offers a combination of insurance protection and investment. It also comes with an additional 1% sum assured at no additional cost, which will be payable in the event of death or Total and Permanent Disability ("TPD"), subject to the terms and conditions. 2. What are the covers / benefits provided? The basic sum assured for this plan is RM14,000. The basic sum assured will be payable upon: Death; or Total and Permanent Disability (TPD) before age 70 years next birthday, whichever occurs first, subject to the terms and conditions in the policy contract. However, if Death or TPD occurs before age 5 years next birthday, a child lien shall apply. Value of the investment units (if any) will be payable together with basic sum assured upon death. The value of the ILP depends on the price of underlying units, which in turn depends on the performance of your chosen fund(s). The fund(s) that you have chosen are stated in the sales illustration. Reminder: Please read the sales illustration which includes product benefits and objectives of the unit fund(s). It is important to select a plan or a combination of fund(s) that suit your financial goals and risk profile. 3. How much premium do I have to pay? The estimated premium for this plan that you have to pay: RM1,320.00 Yearly Notes: (a) The premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the Company. (b) The Company allocates a portion of the premium to purchase units in the unit fund(s) that you have chosen. Any unallocated amount will be used to pay commissions to agents and other expenses of the Company. You are advised to refer to the allocation rates and other details given in the sales illustration. 4. What are the fees and charges that I have to pay? The insurance charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy anniversary. Details of insurance charges and other charges for the ILP are given in the sales illustrations. The prevailing government service tax will be added to the premium quoted in question 3 above, where the premium is paid by a business organisation other than the Company. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your plan by returning your insurance policy within 15 days after you have received it. The Company will refund to you the unallocated premiums, the value of the units that have been allocated (if any) at unit price at the next valuation date and any insurance charge and policy fee that have been deducted less any medical fee incurred. Cash value - the cash value of the ILP depends on the performance of the unit fund(s) selected. The higher the level of insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under your plan. Grace period - A grace period of 30 days from each premium due date is given for you to pay the subsequent premiums. Policy lapse - The ILP will lapse when the value of investment units is insufficient to pay for the insurance and other charges. Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this plan. 6. What are the major exclusions under this plan? Pre-existing condition. Death during the first policy year as a result of suicide, while sane or insane. Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan. 7. Can I cancel my plan? Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this plan for a short period of time in view of the high initial costs. If you find the fund(s) that you have chosen is no longer appropriate, you have the flexibility to switch fund(s). What do I need to do if there are changes to my / my nominee(s) contact details? It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you / your nominee(s) in a timely manner. Where can I get further information?
Page 10 of 41
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TAY CHIN LONG / 6171866 / 0281 / V02 / 0111
Soo
Product Disclosure Sheet Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Head Office : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Fax : (603) 4259 8000 Customer Service Careline : 1300 1300 88 E-mail : wecare@lifeisgreat.com.my
10. Other similar types of cover available You may check with your agent or contact the Company directly for other similar types of cover currently available. IMPORTANT NOTE: YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUM AS "TOP UPS". RETURN ON A UNIT FUND(S) IS NOT GUARANTEED. YOU ARE ENCOURAGED TO APPOINT A NOMINEE(S) AND ENSURE THAT YOUR NOMINEE(S) IS AWARE OF THE PLAN THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 14/05/2011. In the event of any inconsistency, the English version of this Product Disclosure Sheet shall prevail over all other versions.
TAY CHIN LONG / 6171866 / 0281 / V02 / 0111
Page 11 of 41
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Notes: Please read this Product Disclosure Sheet before you decide to take up SmartMedic. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad ("the Company") Name of Product : SmartMedic Date : 14/05/2011 __________________________________________________________________________________________________________ 1. What is this product about? SmartMedic ("SM") is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury. It comes with a unique product feature where the Initial Overall Annual Limit will be increased at the end of every third (3rd) policy year starting from the risk effective date provided that no claim has been made during the immediate preceding 3 policy years. Each increase (if applicable) shall be equal to 10% of the Initial Overall Annual Limit. 2. What are the covers / benefits provided? There are five riders available for selection with a daily Room and Board rate of RM100, RM150, RM200, RM300 and RM400 respectively. The rider that you purchased is: SM150 Duration of the cover: 48 year(s) or upon termination, whichever occurs first. Item Insured Benefits Hospital Room and Board (R&B) (Limit per day, subject to a maximum of 180 days per policy year for Insured Benefits (1) and (2) in aggregate) Intensive Care Unit (ICU) (Limit per day, subject to a maximum of 180 days per policy year for Insured Benefits (1) and (2) in aggregate) Hospital Supplies and Services Surgical Fees Operating Theatre Anaesthetist Fees In Hospital Physician Visit (2 visits per day) Pre-Hospitalisation Diagnostic Tests (Within 60 days before hospitalisation) Pre-Hospitalisation Specialist Consultation (Within 60 days before hospitalisation) Reimbursement of Reasonable and Customary Charges which is consistent with those usually charged to a ward or Room & Board accommodation which is approximate to and within the daily limit of the amount stated in Hospital Room and Board benefit under the plan insured. Subject to a 10% co-insurance, up to a maximum of RM500; If there is an upgrade of Hospital Room & Board, the following shall apply: 1) 20% co-insurance with no maximum cap for SM100 & SM150 plans, or 2) 20% co-insurance with a maximum cap of RM3,000* for SM200, SM300 and SM400 plans. As charged subject to Overall Annual Limit and Overall Lifetime Limit. Subject to 10% co-insurance. 2,000 3,000 4,000 6,000 8,000 SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM)
100
150
200
300
400
As charged subject to Overall Annual Limit and Overall Lifetime Limit.
3 4 5 6 7
As charged subject to Overall Annual Limit and Overall Lifetime Limit.
Post-Hospitalisation Treatment 10 (Within 90 days after hospital discharge) 11 Organ Transplant 12 Ambulance Fees 13 Day Surgery 14 Outpatient Cancer Treatment 15 Outpatient Kidney Dialysis Treatment 16 Emergency Accidental Outpatient Treatment (Maximum 30 days from the date of accident)
Daily-Cash Allowance at Malaysian Government 17 Hospital (Maximum 120 days per policy year) 18 Initial Overall Annual Limit for Items (1) to (17) (Based on Paid Amount) 60,000 6,000 90,000 9,000
50 per day
120,000 12,000
160,000 16,000
200,000 20,000
Page 12 of 41
19 Increase to the Initial Overall Annual Limit **

TAY CHIN LONG / 6171866 / U66 / V02 / 0211
Soo 20 Overall Annual Limit Overall Lifetime Limit for Items (1) to (17) (Based on Paid Amount)
Product Disclosure Sheet Total of Initial Overall Annual Limit and any cumulative increase to the Initial Overall Annual Limit 480,000 10,000 720,000 10,000 960,000 15,000 1,280,000 20,000 1,600,000 20,000
21
22 Accidental Death Benefit 23 Supreme Assist (Emergency Medical Assistance Services)
In accordance with the benefit provisions in Supreme Assist agreement In accordance with the benefit provisions in Car Assistance Programme agreement
24 Car Assistance Programme
Note: * The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice. ** Increase to the Initial Overall Annual Limit will be computed at the end of every third (3rd) policy year starting from the risk effective date provided that no claim has been made during the immediate preceding of 3 policy years. If a claim is made within any 3 policy years, the Increase to the Initial Overall Annual Limit will not be computed at the end of that 3 policy years. However, the Increase to the Initial Overall Annual Limit will apply again if no claim has been made during that period. 3. How much premium do I have to pay? Not applicable because this is a unit deduction rider. Please refer to question 4 below for insurance charges. What are the fees and charges that I have to pay? The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by attained age, gender, smoker status and occupation classification (where applicable). You may refer to the Sales Illustration and /or policy contract for details of insurance charges. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition, your occupation and personal pursuits, which would affect your risk profile, and state your age correctly. Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will reinstate the units that have been deducted for the payment of insurance charges less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges. Waiting period - the eligibility for insured benefits due to illness will only start 30 days after the effective date of this rider. For specified illness, 120 days waiting period is applied. Co-insurance i. 10% co-insurance, where applicable, up to a maximum of RM500. ii. If there is an upgrade of Hospital Room & Board, the following shall apply: a.) 20% co-insurance with no maximum cap for SM100 & SM150 plans, or b.) 20% co-insurance with a maximum cap of RM3,000 for SM200, SM300 and SM400 plans. The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice. Coordination of benefits - the Company will provide compensation on a proportionate basis if you have any other hospitalisation coverage on reimbursement basis with our Company or others, or is receiving compensation from either sources for injury or illness or disease. Portfolio withdrawal condition - the Company reserves the right to cancel the SM portfolio as a whole if it decides to discontinue underwriting this rider. Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. 6. What are the major exclusions under this rider? Pre-existing illness. Specified illness occurring within first 120 days from the effective date of this rider. Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider. 7. Can I cancel my rider? You may cancel your rider by giving a written notice to the Company. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner. Where can I get further information? Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Head Office : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Fax : (603) 4259 8000 Customer Service Careline : 1300 1300 88
TAY CHIN LONG / 6171866 / U66 / V02 / 0211 Page 13 of 41
4.
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9.
Soo E-mail : wecare@lifeisgreat.com.my
10. Other similar types of cover available You may check with your agent or contact the Company directly for other similar types of cover currently available. IMPORTANT NOTE: YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 14/05/2011. In the event of any inconsistency, the English version of this Product Disclosure Sheet shall prevail over all other versions.
TAY CHIN LONG / 6171866 / U66 / V02 / 0211
Page 14 of 41
Soo
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Waiver of Premium Plus Rider. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad (the Company) Name of Product : IL Waiver of Premium Plus Rider Date : 14/05/2011 __________________________________________________________________________________________________________ 1. What is this product about? IL Waiver of Premium Plus Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability (TPD) or critical illness. What are the covers / benefits provided? This rider waives the designated premiums upon: TPD before age 70 years next birthday; or occurrence of any one of the 36 critical illnesses, whichever occurs first, subject to the duration of cover and other terms and conditions. Duration of cover: 67 year(s) or upon termination, whichever occurs first. 3. How much premium do I have to pay? Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges. What are the fees and charges that I have to pay? The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy anniversary. Details of insurance charges are given in the sales illustrations and/or policy contract. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will reinstate the units that have been deducted for the payment of insurance charges less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges. Waiting period the eligibility for critical illness coverage will start only 30 days or 60 days (depending on the type of critical illness) after the effective date or reinstatement date of this rider, whichever is the later. Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. 6. What are the major exclusions under this rider? Self-inflicted bodily injuries while sane or insane. Total and Permanent Disability that has existed prior to or on the risk effective date of this rider or on the date of any reinstatement, whichever is later. Critical illness that has existed prior to or on the risk effective date of this rider or on the date of any reinstatement, whichever is later. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider. 7. Can I cancel my rider? You may cancel your rider by giving a written notice to the Company. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner. Where can I get further information? Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Head Office : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Fax : (603) 4259 8000 Customer Service Careline : 1300 1300 88 E-mail : wecare@lifeisgreat.com.my 10. Other similar types of cover available You may check with your agent or contact the Company directly for other similar types of cover currently available. IMPORTANT NOTE: YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 14/05/2011.
TAY CHIN LONG / 6171866 / U78 / V00 / 0310 Page 15 of 41
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In the event of any inconsistency, the English version of this Product Disclosure Sheet shall prevail over all other versions.
TAY CHIN LONG / 6171866 / U78 / V00 / 0310
Page 16 of 41

(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
MISS Soo
Jenis Pelan
SmartProtect Essential Insurance 2
DISEDIAKAN OLEH : TAY CHIN LONG (6171866) TARIKH DISEDIAKAN : 14/05/2011
Page 17 of 41

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Tarikh: 14/05/2011 (GELSIS-5.25) Disediakan oleh : TAY CHIN LONG
Sebut Harga untuk Jenis Pelan Nama Pelanggan : 0281 SmartProtect Essential Insurance 2 : Pelan Insurans Berkait Pelaburan dengan Premium Tetap : MISS Soo Jantina Merokok Umur Hari Jadi Berikut Kelas Perkerjaan Jenis Premium : Perempuan : Tidak : 32 :1 : Tahunan
PENERANGAN PELAN: SmartProtect Essential Insurance 2 merupakan polisi insurans berkait pelaburan dengan premium tetap yang dilaburkan dalam Unit Dana yang diuruskan secara profesional berserta manfaat perlindungan insurans. Premium yang dibayar akan digunakan untuk membeli unit dalam Dana Unit. Nilai polisi bagi pelan ini akan berubah secara langsung mengikut prestasi Dana Unit. Pelan ini menyediakan manfaat yang akan dibayar apabila anda meninggal dunia atau Hilang Upaya Total dan Kekal (TPD). Sebagai tambahan, pelan ini juga menyediakan 1% jumlah asurans tambahan pada setiap tahun, tanpa kos tambahan, yang akan dibayar apabila berlaku kematian atau TPD, tertakluk kepada terma dan syarat. Pelan Asas dan Rider, jika ada 0281 Premium Tahunan Asas# Tempoh * (Tahun) 67 Amaun Manfaat (RM) 14,000 Premium Mortaliti Tahunan ^ Tambahan (%) (RM) 1,320.00 0% Beban (RM Premium Bagi Setiap Tambahan 1,000) (RM) 0.00 0.00 Premium Tahunan ^ (RM) 1,320.00
Rider dengan penolakan unit U66 SM150 48 150 0.00 0% 0.00 0.00 0.00 U78 IL-WPP 67 1,320 0.00 0% 0.00 0.00 0.00 Jumlah (RM) 1,320.00 0.00 1,320.00 ^ Semua premium yang dibayar oleh Organisasi Perniagaan selain daripada Great Eastern Life Assurance (Malaysia) Berhad adalah tertakluk kepada cukai perkhidmatan semasa yang dikenakan kerajaan. # Asas termasuk Premium Insurans dan Imbangan (jika ada). Imbangan merupakan premium tetap daripada lebihan Premium Insurans. Bagi rider dengan penolakan unit, perlindungan bagi rider-rider ini dibayar daripada Premium Tahunan Asas. * Pelan ini akan ditamatkan semasa kematian, Hilang Upaya Total dan Kekal (TPD) atau Jumlah Nilai Pelaburan menjadi sifar atau ke bawah. Bagi tujuan ilustrasi pengiraan, tempoh polisi adalah ditentukan dengan 99 tahun ditolak dengan umur semasa kemasukan. PENTING: INI MERUPAKAN PRODUK INSURANS DENGAN BERLANDASKAN PRESTASI YANG MENDASARI ASET DAN BUKAN SUATU PRODUK PELABURAN SEBENAR SEPERTI UNIT AMANAH. Anda hendaklah membaca ilustrasi ini bersama-sama dengan risalah pernyataan dana bagi Dana Unit yang telah dipilih. Risalah pernyataan dana mengandungi semua maklumat penting yang anda perlu ketahui berkenaan Dana Unit. Memandangkan hanya 43% daripada Premium Insurans untuk dua tahun polisi pertama akan digunakan untuk membeli unit, manakala 95% daripada Penambahan digunakan untuk membeli unit, anda boleh memaksimumkan nilai pelaburan dengan meminimumkan Premium Tahunan ASAS dan memaksimumkan Penambahan. Premium Tahunan Asas Minimum yang Diperlukan*: : RM1,200.00 Penambahan Premium Tunggal Minimum yang Dibenarkan*: : RM1,000.00 *Ini adalah amaun minimum yang boleh dibeli. Sila ambil perhatian bahawa amaun tersebut tertakluk kepada pelarasan lanjutan mengikut peraturan dalam garis panduan. Oleh itu, jika belian anda melibatkan amaun premium yang besar contohnya RM5,000 dan ke atas, anda disarankan untuk mempertimbangkan bagi membeli polisi insurans berkaitan pelaburan dengan premium tunggal (berbanding polisi dengan premium tetap) kerana pelan dengan caruman tunggal menawarkan peruntukan yang lebih baik bagi pelaburan. Namun, sila ambil perhatian bahawa pelan dengan premium tunggal mungkin tidak menawarkan perlindungan insurans seperti pelan dengan premium tetap dan rider yang boleh dilampirkan juga terhad. Polisi insurans berkaitan pelaburan anda mungkin luput/tamat jika unit dalam dana anda tidak mencukupi bagi membayar caj yang dikenakan. Unit anda mungkin tidak mencukupi akibat: Caj insurans yang tinggi jika anda membeli terlalu banyak perlindungan (iaitu Jumlah Asurans Asas yang tinggi atau terlalu banyak rider), terutamanya jika caj adalah meningkat mengikut umur anda. Pulangan pelaburan yang buruk Tempoh apabila premium tidak dibayar - iaitu anda berhenti membayar premium bagi suatu tempoh yang panjang AMARAN CAJ INSURANS ANDA AKAN MENINGKAT MENGIKUT UMUR ANDA. PADA TAHUN-TAHUN AKHIR, TERDAPAT KEMUNGKINAN BAHAWA NILAI DANA YANG TERKUMPUL TIDAK MENCUKUPI UNTUK MEMBAYAR CAJ INSURANS AKIBAT PULANGAN PELABURAN YANG BURUK, SETERUSNYA MENYEBABKAN POLISI ANDA BOLEH DIBATALKAN. ANDA MUNGKIN PERLU MENAMBAH PREMIUM ATAU MENGURANGKAN TAHAP PERLINDUNGAN INSURANS, JIKA ANDA INGIN MENGEKALKAN POLISI ANDA.* *Sila dapatkan penerangan berkenaan caj insurans serta kesannya terhadap perlindungan insurans masa depan anda daripada ejen. RINGKASAN ILUSTRASI: Ringkasan ilustrasi ini bertujuan untuk menunjukkan kemungkinan perubahan aliran tunai bagi pelaburan dan kesan bayaran serta caj yang dikenakan ke atas nilai tunai berdasarkan ilustrasi di bawah. Unjuran pulangan pelaburan yang digunakan di bawah adalah untuk tujuan ilustrasi sahaja dan tidak bermaksud untuk menunjukkan kemungkinan pulangan Dana Unit pilihan anda. Nilai ini adalah tidak dijamin dan bukan berdasarkan prestasi yang lepas. Pulangan sebenar bagi dana mungkin naik turun (sama ada naik atau turun) pada setiap tahun berdasarkan prestasi aset dana yang dilaburkan.
Pulangan sebenar mungkin kurang daripada kadar unjuran atau pun negatif. : 22 Sangat Dinamik ^ : 67 Tahun
Strategi Pelaburan yang Dipilih Tempoh Pelaburan
Strategi Pelaburan anda ditentukan mengikut langkah yang dinyatakan dalam Panduan 5-langkah bagi memilih strategi pelaburan yang betul. Secara umum, pelabur diklasifikasikan kepada 6 kategori berdasarkan kesesuaian risiko, bermula daripada jenis pelabur yang berhati-hati hinggalah kepada jenis pelabur yang sangat dinamik. Selain strategi standard, anda juga boleh memilih Strategi Pelaburan sendiri yang bersesuaian dengan profil risiko anda. Anda seharusnya berpuas hati bahawa Tempoh Pelaburan yang dipilih adalah wajar demi mencapai matlamat kewangan anda. Unjuran Pulangan Pelaburan Kasar # Y% X% Tahun Polisi 1-20 Tahun Polisi 21-30 Tahun Polisi 1-30
8% 7% 8% 7% 8% 9% 9% 5.50% 5.00% 5.50% 5.00% 5.50% 6.00% 6.00% 3% 4% 3% 4% 3% 2% 2%
Dana Unit yang Dipilih

F1 F4 F5 F6 F9 F17 F18 Dana Lion Balanced Dana Lion Fixed Income Dana Lion Progressive Dana Sejati Dana Lion Strategic Dana Lion Enhanced Equity Dana Gemilang
Tahun Polisi Dari Hingga

1 62 63 64 65 66 67 61 62 63 64 65 66 67
F1
F4
20% 40% 60% 70% 80% 90%
F5
Dana Unit yang Dipilih F6
F9
F17
100% 80% 60% 40% 30% 20% 10%
F18
Tahun Polisi Dari Hingga

1 20 21 30 ^Sila rujuk Nota Penting untuk profil pelaburan anda. #Sebelum potongan untuk cukai dan caj pengurusan dana
Unjuran Pulangan Pelaburan Kasar Berwajaran # Y% X%

9.00 6.00 2.00 2.00
Page 19 of 41

Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
Tidak Dijamin Akhir Tahun Polisi Umur pada Akhir Tahun Polisi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 Jumlah Premium yang Dibayar Unjuran Pulangan Dana Unit: Y%# Unjuran Pulangan Dana Unit: X%# SM150 RIDER IL-WPP
Nilai Tunai 1,320.00 2,640.00 3,960.00 5,280.00 6,600.00 7,920.00 9,240.00 10,560.00 11,880.00 13,200.00 14,520.00 15,840.00 17,160.00 18,480.00 19,800.00 21,120.00 22,440.00 23,760.00 25,080.00 26,400.00 27,720.00 29,040.00 30,360.00 31,680.00 33,000.00 34,320.00 35,640.00 36,960.00 38,280.00 39,600.00 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354
Manfaat Kematian 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414
Nilai Tunai 58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
Manfaat Kematian 14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu. NOTA: -
1. SM150 :SmartMedic 150 IL-WPP :IL Waiver of Premium Plus Rider 2.Manfaat di bawah rider hanya akan dibayar jika pelan asas dan rider adalah berkuat kuasa. 3.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting. 4.Semua angka dalam RM. (R&KT) 5.Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.

Ilustrasi Anggaran Manfaat di bawah andaian unjuran pulangan pelaburan X% dan Y%#
Tidak Dijamin (A) Akhir Tahun Polisi Umur pada Akhir Tahun Polisi 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 Premium yang Dibayar (B) (C) (D) Jumlah Asurans Asas (E) Jumlah Asurans Tambahan (F) (G) (H) Yuran Polisi (I) Caj Pengurusan Dana (J) Nilai Tunai Bersih (K) = (D)+(E)+(J) Manfaat Kematian (L) Kos Pengagihan 2 Terus
Premium yang Premium yang Diperuntukkan Tidak 1 Diperuntukkan
Caj Insurans
Pelan Asas 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 752.40 752.40 316.80 316.80 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 567.60 567.60 1,003.20 1,003.20 1,122.00 1,122.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 0 140 280 420 560 700 840 980 1,120 1,260 1,400 1,540 1,680 1,820 1,960 2,100 2,240 2,380 2,520 2,660 2,800 2,940 3,080 3,220 3,360 3,500 3,640 3,780 3,920 4,060 18.72 18.72 18.72 18.72 18.72 18.72 18.72 18.72 20.28 21.72 23.40 25.32 27.72 30.48 33.96 38.16 43.08 48.48 54.36 60.84 67.80 75.12 83.40 92.52 102.60 114.00 126.00 138.72 151.92 164.88
Rider(s) 419.64 421.32 423.72 426.12 478.20 481.92 485.28 487.92 491.40 571.80 576.24 582.84 588.00 592.68 698.04 702.48 713.52 718.92 724.80 878.76 884.88 891.72 891.36 897.48 1,029.12 1,036.80 1,044.36 1,053.72 1,072.80 1,466.04 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72
Y% 4 5 12 20 30 40 54 68 83 99 115 132 150 170 190 210 231 254 278 303 331 349 367 386 404 422 440 459 478 494
X% 4 5 12 19 28 36 47 59 70 80 90 100 110 120 129 137 144 152 160 166 171 176 181 185 189 191 193 194 196 193
Y% 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354
X% 58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
Y% 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414
X% 14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350 462.00 462.00 330.00 330.00 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu. 1. Ini menunjukkan caj bagi premium anda yang digunakan untuk membayar kos pengagihan terus dan perbelanjaan oleh Syarikat. 2. Kos langsung yang berkaitan dengan saluran agihan untuk tujuan pemasaran yang dilakukan untuk polisi ini, contohnya pembayaran kepada ejen anda. Kos ini dibayar daripada caj yang dikenakan ke atas polisi anda bagi perkhidmatan yang diberi oleh ejen sepanjang tempoh polisi anda. Sila ambil perhatian bahawa bonus pengeluaran (5% daripada premium bagi tahun pertama) dan bonus berterusan (5% daripada premium tahun kedua) akan dibayar dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat. 3. Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan. NOTA: GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25) Page 21 of 41
1.Unjuran manfaat yang ditunjukkan di atas adalah untuk ilustrasi sahaja dan TIDAK DIJAMIN. 2.Nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar dan bergantung kepada prestasi yang mendasari aset. 3.Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza. 4.Ilustrasi caj insurans hayat dan caj lain adalah berdasarkan tahap semasa. Ia mungkin berbeza dari semasa ke semasa. 5.Jika "N/A" ditunjukkan dalam ilustrasi di atas, ia menunjukkan tiada caj insurans dan perlindungan manfaat bagi rider. 6.Jika "-" ditunjukkan dalam ilustrasi di atas, ini menunjukkan bahawa polisi telah luput di bawah unjuran pulangan pelaburan bagi X% dan Y% masing-masing, seperti ditunjukkan dalam tajuk bagi lajur masing-masing. Ia bermaksud semua bentuk manfaat (nilai tunai, manfaat kematian, dll) adalah tidak berkenaan. Apabila lajur tidak menyatakan sama ada X% atau Y% akan digunakan, unjuran bagi polisi luput adalah berdasarkan unjuran pulangan pelaburan Y%. Sila ambil perhatian bahawa keputusan ini berdasarkan andaian pulangan pelaburan, premium yang dibayar dan caj. Manfaat mungkin berbeza, dan polisi mungkin luput lebih awal atau lambat bergantung kepada pulangan pelaburan sebenar, premium yang dibayar dan caj. 7.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting. 8.Semua angka dalam RM. (R&KT)
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** NOTA PENTING MAKLUMAT AM Maklumat yang ditunjukkan di bawah membentuk sebahagian daripada Ilustrasi Jualan anda. Great Eastern Life Assurance (Malaysia) Bhd ("Syarikat") percaya bahawa adalah penting bagi anda untuk menyedari sepenuhnya semua manfaat di bawah polisi ini dan memahami bagaimana kos perlindungan insurans, pengagihan, pentadbiran, pelaburan dan kos lain mempengaruhi manfaat ini. Anda sepatutnya berpuas hati bahawa pelan ini dapat memenuhi keperluan anda dan anda mampu membayar premium yang dikenakan. Jika anda memerlukan penjelasan, sila hubungi kami atau ejen anda. Membeli polisi insurans hayat dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Maklumat yang dinyatakan di bawah menerangkan perkara tertentu yang dinyatakan dalam Ilustrasi Jualan. UNJURAN KADAR PULANGAN PELABURAN Pulangan X% dan Y% telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Dana Unit pilihan anda, seperti ditunjukkan dalam muka surat terdahulu. Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan bawah yang mungkin berlaku. Pulangan yang diilustrasikan telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Strategi Pelaburan dan Tempoh Pelaburan anda. Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar serta ia bergantung kepada prestasi yang mendasari aset Dana Unit. Manfaat sebenar yang dibayar bergantung kepada prestasi sebenar yang mendasari aset Dana Unit dan pulangan sebenar yang diisytiharkan pada masa depan mungkin berkurangan atau melebihi nilai yang diilustrasikan. Risiko pelaburan di bawah polisi ini ditanggung oleh pemilik polisi semata-mata. Pemilik polisi mestilah sedia maklum bahawa harga unit mungkin turun atau naik. Pulangan pelaburan tahunan sebenar yang lepas untuk dana berbanding dengan indeks tanda aras yang dipilih adalah ditunjukkan di bawah: Pulangan Pelaburan Sebenar Dana Unit 2005 2006 2007 2008 2009 F1 Dana Lion Balanced 0.24% 23.75% 34.39% -19.89% 29.29% F4 Dana Lion Fixed Income 8.30% 10.40% 7.13% 5.26% 4.23% F5 Dana Lion Progressive -1.14% 24.64% 33.51% -27.95% 33.20% F6 Dana Sejati^^ 8.21% 9.66% 6.92% 4.41% 3.66% F9 Dana Lion Strategic n/a * 30.52% -22.57% 27.57% F17 Dana Lion Enhanced Equity n/a n/a n/a n/a n/a F18 Dana Gemilang n/a n/a n/a n/a n/a ^^ dahulunya dikenali sebagai Dana Mauzuun Bond. * tahun tidak lengkap Pulangan Tanda Aras Dana Unit Tanda Aras 2005 2006 2007 2008 2009 F1 Dana Lion Balanced Tanda Aras 1.59% 12.59% 17.35% -20.20% 22.50% Berwajaran F4 Dana Lion Fixed Income FD 12 bulan 3.80% 3.90% 3.76% 3.80% 2.70% F5 Dana Lion Progressive FBM 100* -0.84% 21.83% 31.82% -39.30% 45.60% F6 Dana Sejati^^ Deposit 3.80% 3.60% 3.75% 3.80% 2.80% Mudharabah 12 Bulan F9 Dana Lion Strategic Tanda Aras 1.59% 12.59% 17.35% -20.20% 22.50% Berwajaran F17 Dana Lion Enhanced FBM 100 -3.20% 23.00% 33.40% -40.90% 48.00% Equity F18 Dana Gemilang FBM Shariah -8.70% 26.50% 45.60% -43.50% 43.00% iaitu FBM 100* : FTSE Bursa Malaysia 100 Index (Pulangan tahunan sebelum Julai tahun 2009 adalah berdasarkan KLCI) FBM 100 : FTSE Bursa Malaysia 100 Index FBM Shariah : FTSE Bursa Malaysia Emas Shariah Index FD 12 bulan : Tanda Aras Simpanan Tetap 12 Bulan Deposit Mudharabah 12 Bulan : Deposit Mudharabah 12 Bulan Tanda Aras Berwajaran : Indeks purata berwajaran 50:50 antara FBM 100 dan kadar simpanan tetap 12 bulan (Pulangan tahunan sebelum Julai tahun 2009 termasuk indeks purata berwajaran 50:50 di antara KLCI dan kadar simpanan tetap 12 bulan). Sila ambil perhatian bahawa tiada pulangan tahunan sebenar Dana Unit dapat dinyatakan untuk tahun sebelumnya bagi dana yang baru. Pulangan pelaburan sebenar yang ditunjukkan di atas adalah mengikut kadar bersih (setelah ditolak cukai dan caj) dan tidak mengambil kira sebarang bida/tawaran, jika ada atau sebarang caj yang mungkin dikenakan. Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza. Sila ambil perhatian bahawa kadar pulangan yang dirujuk di atas dikira berdasarkan pelaburan dalam Dana Unit tertentu dan bukan berdasarkan premium yang telah dibayar di bawah polisi ini.
Page 23 of 41
Penerangan Objektif Dana F1 Dana Lion Balanced Dana yang melabur dalam campuran ekuiti (julat di antara 40% hingga 60%) dan sekuriti pendapatan tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang, pada tahap mudah ubah sederhana. F4 Dana Lion Fixed Dana yang melabur dalam sekuriti pendapatan tetap seperti bon kerajaan dan korporat (julat di antara Income 40% hingga 95%) dengan baki dilaburkan dalam bentuk tunai dan yang setara dengan tunai. Dana ini bertujuan untuk menyediakan pulangan yang konsisten pada tahap mudah ubah rendah. F5 Dana Lion Dana yang melabur dalam campuran ekuiti (julat di antara 50% hingga 90%) dan sekuriti pendapatan Progressive tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang, pada tahap mudah ubah sederhana hingga tinggi. F6 Dana Sejati Dana yang melabur dalam sekuriti pendapatan tetap seperti bon kerajaan dan korporat (julat di antara 40% hingga 95%) dengan baki dilaburkan dalam tunai dan yang setara dengan tunai. Dana ini bertujuan untuk menyediakan pulangan yang konsisten pada tahap mudah ubah rendah. Dana Sejati melabur dalam sekuriti yang diluluskan Syariah. F9 Dana Lion Strategic Dana yang melabur dalam campuran ekuiti, sekuriti pendapatan tetap dan instrumen pasaran wang. Terdapat fleksibiliti dalam peruntukan aset memandangkan dana ini boleh melabur secara tunggal dalam sekuriti pendapatan tetap atau ekuiti. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang, dengan tahap mudah ubah sederhana. F17 Dana Lion Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam Enhanced Equity jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50% hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. F18 Dana Gemilang Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50% hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. Dana ini hanya melabur dalam sekuriti yang mematuhi Syariah. Pilihan Dana Unit haruslah berdasarkan toleransi anda terhadap risiko. Sila dapatkan nasihat daripada ejen anda ataupun kami berkenaan dengan toleransi anda terhadap risiko. PREMIUM YANG DIBAYAR Ia merupakan amaun yang dibayar oleh anda (pemilik polisi) bagi polisi ini. Sila ambil perhatian bahawa bukan semua amaun yang dibayar akan dilaburkan dalam Dana Unit pilihan anda. Sila baca penerangan berkenaan premium yang diperuntukkan dan premium yang tidak diperuntukkan di bawah. PREMIUM YANG TIDAK DIPERUNTUKKAN Caj bagi premium yang tidak diperuntukkan adalah caj yang dikenakan terlebih dahulu ke atas premium yang dibayar dan digunakan untuk membayar perbelanjaan oleh penanggung insurans serta kos pengagihan terus, termasuk komisen yang dibayar kepada ejen. Ejen anda berhak menerima bonus pengeluaran dan bonus berterusan semasa dua tahun polisi pertama dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat. PREMIUM YANG DIPERUNTUKKAN Ini merupakan amaun yang akan digunakan untuk membeli unit pada Nilai Aset Bersih (NAV) dalam Dana Unit pilihan anda. Nilai Aset Bersih (NAV) : NAV ialah harga tunggal apabila pemilik polisi membeli unit dalam Dana Unit dan menjual kembali unit tersebut ke dalam Dana Unit. NAV bagi setiap Dana Unit ditentukan setiap hari selepas penilaian aset bagi Dana Unit. Kadar peruntukan bagi Premium Tahunan Asas adalah seperti berikut (suatu % daripada premium):Tahun Polisi 1 2 3 4 5 6 7 & berikut Premium yang Dibayar 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 Premium yang (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00% Diperuntukkan (RM) 567.60 567.60 1,003.20 1,003.20 1,122.00 1,122.00 1,320.00 Kadar peruntukan premium bagi Penambahan Premium Tunggal dan Imbangan ialah 95% bagi premium yang dibayar untuk semua tahun. JUMLAH ASURANS ASAS Ini adalah amaun minimum yang akan diterima sekiranya berlaku kematian atau menjadi hilang upaya. Pemilik polisi boleh meningkatkan jumlah asurans asas tanpa menambah premium tetap, tertakluk kepada terma dan syarat yang ditentukan oleh Syarikat pada masa itu. CAJ Caj-caj ini ditolak daripada Dana Unit anda. Caj insurans dan caj lain yang diilustrasikan adalah berdasarkan kadar semasa. Ia tidak dijamin dan mungkin disemak semula dari semasa ke semasa dengan memberi notis 3 bulan kepada pemilik polisi. Bagi pelan / rider Insurans Perubatan dan Kesihatan, notis 30 hari akan diberi jika terdapat kenaikan caj. Caj insurans ditolak secara bulanan daripada nilai unit anda untuk membayar perlindungan insurans. Caj insurans bagi perlindungan insurans berbeza mengikut umur yang dicapai, jantina, kelas pekerjaan, kadaran perubatan dan status merokok, mana yang berkenaan. Caj insurans akan meningkat seiring dengan peningkatan umur. Caj Lain: Dalam ilustrasi ini, caj berikut telah diandaikan:(a) Yuran Polisi : Caj pentadbiran sebanyak RM6 akan ditolak setiap bulan daripada Dana Unit. (b) Caj Pengurusan Dana : Ia merujuk kepada bayaran pengurusan tahunan (% daripada Dana Unit) yang ditolak bagi menampung kos menguruskan Dana Unit.
F1 F4 F5 F6 F9 F17 F18
Dana Unit Dana Lion Balanced Dana Lion Fixed Income Dana Lion Progressive Dana Sejati Dana Lion Strategic Dana Lion Enhanced Equity Dana Gemilang
Caj Pengurusan Tahunan 1.00% 0.50% 1.35% 0.50% 1.25% 1.50% 1.50%
NILAI TUNAI Ini merupakan unjuran nilai unit pada sebarang masa tertentu yang mungkin diterima jika anda menyerahkan polisi selepas ditolak cukai dan caj yang berkenaan. Jika polisi ditamatkan lebih awal, anda mungkin akan mendapat jumlah premium yang berkurangan daripada jumlah premium yang telah dibayar. Pelan ini TIDAK menawarkan sebarang nilai serahan atau manfaat matang minimum yang dijamin dan polisi ini mungkin luput lebih awal bergantung kepada pulangan pelaburan dan caj sebenar. Syarikat berhak menangguhkan penerbitan atau penebusan unit, dalam keadaan yang dianggap luar biasa. MANFAAT KEMATIAN Ini adalah amaun yang akan dibayar sekiranya berlaku kematian. Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya hayat yang diasuranskan meninggal dunia, perkara berikut akan dibayar sebagai Manfaat Kematian: (i) Jumlah Asurans Asas; termasuk (ii) Jumlah Asurans Tambahan; termasuk (iii) jumlah nilai Dana Unit, jika ada, yang dikira mengikut NAV pada tarikh penilaian yang berikutnya. Bagi orang yang dilindungi di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan dikenakan bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan seperti berikut:Umur Hari Jadi Berikut pada Ulang Tahun Polisi 1 2 3 4 Peratusan (%) Jumlah Asurans Asas dan Asurans Tambahan 20% 40% 60% 80% Perlindungan penuh akan diberi dari umur 5 tahun hari jadi berikutnya dan ke atas. MANFAAT HILANG UPAYA TOTAL DAN KEKAL (TPD) Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya Hilang Upaya Total dan Kekal berlaku sebelum ulang tahun polisi apabila hayat yang diasuranskan mencapai umur 70 tahun hari jadi berikutnya, Syarikat akan mendahulukan Jumlah Asurans Asas seperti berikut: (i) Jumlah Asurans Asas dan Jumlah Asurans Tambahan tidak melebihi RM 2,000,000 akan dibayar dalam 3 kali ansuran tahunan dengan bayaran pertama bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan dibayar dalam satu jumlah sekali gus atau RM1,000,000, mana yang lebih rendah, dan (ii) baki Jumlah Asurans Asas dan Jumlah Asurans Tambahan (jika ada) akan dibayar dalam dua kali ansurans tahunan yang sama nilai, iaitu maksimum RM500,000 bagi setiap satu ansuran. Manfaat TPD maksimum yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang sama ialah RM3,500,000 bagi semua saluran agihan. Bagi hayat yang diasuranskan di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak seperti yang dikenakan bagi Manfaat Kematian akan digunakan. Namun, ia tertakluk kepada Manfaat TPD maksimum sebanyak RM500,000 yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang diasuranskan yang sama. PENGECUALIAN Kematian yang berlaku dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras. TPD akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras. Nota: Senarai pengecualian ini hanya berkenaan untuk pelan asas sahaja dan tidak menyeluruh. Sila rujuk kontrak polisi anda bagi senarai pengecualian di bawah pelan asas, jika ada. PENERANGAN RIDER U66 SmartMedic (SM150) SmartMedic ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan perbelanjaan pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan. Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan Permulaan akan bertambah pada akhir setiap tahun polisi ketiga (ke-3) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 3 tahun polisi sebelumnya. U78 IL Waiver of Premium Plus Rider (IL WPP) IL Waiver of Premium Plus Rider ialah rider dengan penolakan unit yang mengenepikan premium semasa Hilang Upaya Total dan Kekal (TPD) atau penyakit kritikal berlaku kepada hayat yang diasuranskan, mana yang berlaku dahulu.
Jika terdapat sebarang percanggahan, versi bahasa Inggeris bagi ilustrasi ini akan digunakan berbanding semua versi yang lain.
Disediakan oleh : TAY CHIN LONG Tarikh : 14/05/2011

Soo
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartProtect Essential Insurance 2. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad ("Syarikat") Nama Produk : SmartProtect Essential Insurance 2 Tarikh : 14/05/2011 __________________________________________________________________________________________________________ 1. Apakah produk ini? SmartProtect Essential Insurance 2 ialah pelan insurans berkait pelaburan ("ILP") yang menawarkan kombinasi perlindungan insurans dan pelaburan. Ia juga didatangkan dengan tambahan 1% jumlah asurans tanpa kos tambahan, yang dibayar semasa berlaku kematian atau Hilang Upaya Total dan Kekal ("TPD"), tertakluk kepada terma dan syarat. 2. Apakah perlindungan / manfaat yang disediakan? Jumlah asurans asas bagi pelan ini ialah RM14,000. Jumlah asurans asas akan dibayar bagi: kematian; atau Hilang Upaya Total dan Kekal (TPD) sebelum umur 70 tahun hari jadi berikutnya, mana yang berlaku dahulu, tertakluk kepada terma dan syarat dalam kontrak polisi. Namun, jika kematian atau TPD berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan. Nilai unit pelaburan (jika ada) akan dibayar berserta jumlah asurans asas bagi kematian. Nilai ILP bergantung kepada harga yang mendasari unit, mengikut prestasi dana pilihan anda. Dana pilihan anda dinyatakan dalam ilustrasi jualan. Peringatan: Sila baca ilustrasi jualan kerana ia memberi penerangan berkenaan manfaat produk dan objektif dana unit. Pemilihan pelan atau kombinasi dana yang sesuai dengan matlamat kewangan dan profil risiko anda adalah amat penting. 3. Berapakah premium yang saya perlu bayar? Anggaran premium yang anda perlu bayar bagi pelan ini ialah: RM1,320.00 Tahunan Nota: (a) Premium yang anda perlu bayar dan terma polisi mungkin berbeza mengikut keperluan pengunderaitan Syarikat. (b) Syarikat memperuntukkan sebahagian premium untuk membeli unit dalam dana unit yang anda pilih. Sebarang premium yang tidak diperuntukkan akan digunakan untuk membayar komisen kepada ejen dan perbelanjaan lain oleh Syarikat. Anda dinasihatkan untuk merujuk kadar peruntukan dan huraian lain yang dinyatakan dalam ilustrasi jualan. 4. Apakah yuran dan caj yang saya perlu bayar? Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans akan meningkat mengikut umur anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dan caj lain bagi ILP dinyatakan dalam ilustrasi jualan. Cukai perkhidmatan semasa yang dikenakan kerajaan akan ditambah pada premium yang dinyatakan dalam soalan 3 di atas, bagi premium yang dibayar oleh organisasi perniagaan selain daripada Syarikat. Apakah terma dan syarat utama yang saya perlu ketahui? Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan pelan dengan memulangkan polisi insurans dalam tempoh 15 hari selepas menerimanya. Syarikat akan membayar balik premium yang tidak diperuntukkan, nilai unit yang telah diperuntukkan (jika ada) mengikut harga unit pada tarikh penilaian yang berikutnya dan sebarang caj insurans serta yuran polisi yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Nilai tunai - nilai tunai ILP bergantung kepada prestasi dana unit yang dipilih. Lebih tinggi perlindungan insurans yang dipilih, lebih banyak unit akan digunakan untuk membayar caj insurans dan unit yang tinggal hanya sedikit bagi mengumpul nilai tunai di bawah pelan anda. Tempoh tenggang - anda mempunyai tempoh tenggang selama 30 hari dari setiap tarikh premium berikut perlu dibayar untuk membayar premium. Polisi luput - ILP akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar insurans dan caj lain. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini. 6. Apakah pengecualian utama di bawah pelan ini? Keadaan sedia ada. Kematian dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras. Hilang Upaya Total dan Kekal akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah pelan ini. 7. Bolehkah saya membatalkan pelan ini? Membeli ILP dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang pelan ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Jika anda dapati dana yang dipilih tidak lagi bersesuaian, anda mempunyai fleksibiliti untuk menukar dana. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya / penama? Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda / penama bagi memastikan semua surat-menyurat dapat diserahkan kepada anda / penama dengan sepatutnya.
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5.
8.
TAY CHIN LONG / 6171866 / 0281 / V02 / 0111
Soo 9.
Risalah Pemberitahuan Produk Di manakah saya boleh mendapatkan maklumat lanjut? Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : 1300 1300 88 E-mel : wecare@lifeisgreat.com.my
10. Jenis perlindungan lain yang serupa Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa. NOTA PENTING: ANDA MESTILAH MENILAI PILIHAN ANDA DENGAN SEBAIKNYA DAN BERPUAS HATI BAHAWA PELAN INSURANS BERKAIT PELABURAN YANG DIPILIH MEMENUHI RISIKO DAN ANDA MAMPU MEMBAYAR PREMIUM SEPANJANG TEMPOH POLISI. BAGI MENINGKATKAN NILAI PELABURAN PADA BILA-BILA MASA, ANDA DINASIHATKAN UNTUK MEMBAYAR PREMIUM TAMBAHAN SEBAGAI "PENAMBAHAN". PULANGAN KE ATAS DANA UNIT ADALAH TIDAK DIJAMIN. ANDA DIGALAKKAN UNTUK MELANTIK PENAMA DAN MEMASTIKAN PENAMA ANDA DIMAKLUMKAN BERKENAAN PELAN YANG ANDA BELI. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT. Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 14/05/2011. Jika terdapat sebarang percanggahan, versi bahasa Inggeris bagi Risalah Pemberitahuan Produk ini akan digunakan.
TAY CHIN LONG / 6171866 / 0281 / V02 / 0111
Page 27 of 41
Soo
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartMedic. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad ("Syarikat") Nama Produk : SmartMedic Tarikh : 14/05/2011 __________________________________________________________________________________________________________ 1. Apakah produk ini? SmartMedic ("SM") ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan perbelanjaan pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan. Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan Permulaan akan bertambah pada akhir setiap tahun polisi ketiga (ke-3) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 3 tahun polisi sebelumnya. Setiap penambahan (jika berkenaan) adalan bersamaan dengan 10% daripada Had Tahunan Keseluruhan Permulaan. 2. Apakah perlindungan / manfaat yang disediakan? Terdapat lima pilihan rider dengan kadar Bilik dan Hidangan harian RM100, RM150, RM200, RM300 dan RM400 masing-masing. Rider yang anda beli ialah: SM150 Tempoh perlindungan: 48 tahun atau sehingga penamatan, mana yang berlaku dahulu. SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM)
Perkara
Manfaat yang Diinsuranskan Bilik dan Hidangan Hospital (R&B) (Had sehari, tertakluk kepada maksimum 180 hari untuk setiap tahun polisi bagi agregat Manfaat yang Diinsuranskan (1) dan (2)) Unit Rawatan Rapi (ICU) (Had sehari, tertakluk kepada maksimum 180 hari setiap tahun polisi bagi agregat Manfaat yang Diinsuranskan (1) dan (2)) Bekalan dan Khidmat Hospital Bayaran Pembedahan Dewan Bedah Bayaran Pakar Bius Lawatan Pakar Perubatan Dalam Hospital (2 lawatan sehari) Ujian Diagnosis Sebelum Kemasukan Hospital (Dalam tempoh 60 hari sebelum kemasukan hospital) Rundingan Pakar Sebelum Kemasukan Hospital (Dalam tempoh 60 hari sebelum kemasukan hospital) Rawatan Selepas Kemasukan Hospital (Dalam tempoh 90 hari selepas keluar hospital) Pemindahan Organ Bayaran Ambulans Pembedahan Harian Rawatan Kanser Pesakit Luar Rawatan Dialisis Buah Pinggang Pesakit Luar Rawatan Kemalangan Kecemasan Pesakit Luar (Maksimum 30 hari dari tarikh kemalangan) Elaun Tunai Harian di Hospital Kerajaan Malaysia (Maksimum 120 hari setiap tahun polisi)
100
150
200
300
400
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan Keseluruhan dan Had Seumur Hidup Keseluruhan.
3 4 5 6 7
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan Keseluruhan dan Had Seumur Hidup Keseluruhan. Pembayaran balik Bayaran Munasabah dan Biasa yang konsisten dengan bayaran biasa yang dikenakan untuk wad atau Bilik & Hidangan yang lebih kurang dan dalam lingkungan amaun had harian yang dinyatakan dalam manfaat Bilik & Hidangan Hospital di bawah pelan yang diinsuranskan. Tertakluk kepada insurans bersama 10%, sehingga maksimum RM500; Jika menaik taraf Bilik dan Hidangan Hospital, perkara berikut akan digunakan: 1) Insurans bersama 20% dan tiada had maksimum untuk pelan SM100 dan SM150, atau 2) Insurans bersama 20% dan had RM3,000* untuk pelan SM200, SM300 dan SM400. Seperti caj yang dikenakan, tertakluk kepada Had Tahunan Keseluruhan dan Had Seumur Hidup Keseluruhan. Tertakluk kepada insurans bersama 10%. 2,000 3,000 4,000 6,000 8,000
10 11 12 13 14 15 16
17
50 sehari
TAY CHIN LONG / 6171866 / U66 / V02 / 0211
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Soo Had Tahunan Keseluruhan Permulaan bagi perkara (1) hingga (17) (Berdasarkan Amaun yang Dibayar) Penambahan kepada Had Tahunan Keseluruhan Permulaan **
18
60,000
90,000
120,000
160,000
200,000
19
6,000
9,000
12,000
16,000
20,000
20
Had Tahunan Keseluruhan
Jumlah Had Tahunan Keseluruhan Permulaan dan sebarang penambahan kumulatif bagi Had Tahunan Keseluruhan Permulaan
21
Had Seumur Hidup Keseluruhan bagi perkara (1) hingga (17) (Berdasarkan Amaun yang Dibayar) Manfaat Kematian Kemalangan Supreme Assist (Perkhidmatan Bantuan Kecemasan) Car Assistance Programme
480,000
720,000
960,000
1,280,000
1,600,000
22 23
10,000
10,000
15,000
20,000
20,000
Menurut peruntukan manfaat dalam perjanjian Supreme Assist Menurut peruntukan manfaat dalam perjanjian Car Assistance Programme
24
Nota: * Syarikat berhad menyemak semula had maksimum insurans bersama dengan memberi notis bertulis 30 hari terlebih dahulu. ** Penambahan kepada Had Tahunan Keseluruhan Permulaan akan dikira pada akhir setiap tahun polisi ketiga (ke-3) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan dalam selang masa 5 3 tahun polisi sebelumnya. Jika suatu tuntutan dibuat dalam mana-mana 3 tahun polisi, Penambahan Had Tahunan Keseluruhan Permulaan tidak akan dikira pada akhir 3 tahun polisi tersebut. Namun, Penambahan Had Tahunan Keseluruhan Permulaan akan dikenakan semula jika tiada tuntutan dibuat dalam tempoh tersebut. 3. Berapakah premium yang saya perlu bayar? Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. Apakah yuran dan caj yang saya perlu bayar? Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur yang dicapai, jantina, status merokok dan klasifikasi pekerjaan (mana yang berkenaan). Anda boleh merujuk kepada Illustrasi Jualan dan/atau kontrak polisi bagi mendapatkan maklumat terperinci berkenaan caj insurans. Apakah terma dan syarat utama yang saya perlu ketahui? Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan menguatkuasakan semula unit yang telah ditolak bagi pembayaran caj insurans setelah menolak sebarang bayaran perubatan yang ditanggung. Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans. Tempoh menunggu kelayakan bagi manfaat yang diinsuranskan untuk penyakit akan bermula 30 hari selepas tarikh berkuat kuasa rider ini. Bagi penyakit tertentu, tempoh menunggu selama 120 hari akan digunakan. Insurans bersama i. 10% insurans bersama akan dikenakan, jika berkenaan, sehingga maksimum RM500. ii. Jika menaik taraf Bilik dan Hidangan Hospital, perkara berikut akan digunakan: a.) Insurans bersama 20% dan tiada had maksimum untuk pelan SM100 dan SM150, atau b.) Insurans bersama 20% dan had RM3,000 untuk pelan SM200, SM300 dan SM400. Syarikat berhad menyemak semula had maksimum insurans bersama dengan memberi notis bertulis 30 hari terlebih dahulu. Penyelarasan manfaat Syarikat akan memberi pampasan mengikut dasar bersekadar jika anda mempunyai perlindungan kemasukan hospital lain dalam bentuk pembayaran balik dengan Syarikat atau sumber lain, atau sedang menerima pampasan daripada sumber lain bagi kecederaan atau sakit atau penyakit. Syarat penarikan balik portfolio - Syarikat berhak membatalkan portfolio SM secara keseluruhan jika ia memutuskan untuk tidak meneruskan pengunderaitan rider ini. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. 6. Apakah pengecualian utama di bawah rider ini? Sakit sedia ada. Penyakit tertentu yang berlaku dalam masa 120 hari pertama dari tarikh berkuat kuasa rider ini. Sebarang rawatan perubatan yang diterima di luar Malaysia, jika anda menetap atau melancong di luar Malaysia lebih daripada 90 hari berturut-turut. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini. 7. Bolehkah saya membatalkan rider ini? Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya?
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4.
5.
8.
TAY CHIN LONG / 6171866 / U66 / V02 / 0211
Soo
Risalah Pemberitahuan Produk Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
9.
Di manakah saya boleh mendapatkan maklumat lanjut? Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : 1300 1300 88 E-mel : wecare@lifeisgreat.com.my
10. Jenis perlindungan lain yang serupa Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa. NOTA PENTING: ANDA SEHARUSNYA BERPUAS HATI BAHAWA RIDER INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT. Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 14/05/2011. Jika terdapat sebarang percanggahan, versi bahasa Inggeris bagi Risalah Pemberitahuan Produk ini akan digunakan.
TAY CHIN LONG / 6171866 / U66 / V02 / 0211
Page 30 of 41
Soo
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Waiver of Premium Plus Rider. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (Syarikat) Nama Produk : IL Waiver of Premium Plus Rider Tarikh : 14/05/2011 __________________________________________________________________________________________________________ 1. Apakah produk ini? IL Waiver of Premium Plus Rider ialah rider dengan penolakan unit yang mengenepikan premium semasa Hilang Upaya Total dan Kekal (TPD) atau penyakit kritikal. Apakah perlindungan / manfaat yang disediakan? Rider ini mengenepikan premium yang ditetapkan bagi: TPD sebelum umur 70 tahun hari jadi berikutnya; atau salah satu daripada 36 jenis penyakit kritikal berlaku, mana yang berlaku dahulu, tertakluk kepada tempoh perlindungan serta terma dan syarat. Tempoh perlindungan: 67 tahun atau semasa penamatan, mana yang berlaku dahulu. 3. Berapakah premium yang saya perlu bayar? Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. Apakah yuran dan caj yang saya perlu bayar? Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan status merokok pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi. Apakah terma dan syarat utama yang saya perlu ketahui? Kepentingan untuk membuat pendedahan anda hendaklah mendedahkan semua fakta yang material seperti keadaan perubatan dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan menguatkuasakan semula unit yang telah ditolak bagi pembayaran caj insurans setelah menolak sebarang bayaran perubatan yang ditanggung. Polisi luput Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans. Tempoh menunggu kelayakan untuk perlindungan penyakit kritikal hanya akan bermula 30 hari atau 60 hari (bergantung kepada jenis penyakit kritikal) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider ini, mana yang kemudian. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. 6. Apakah pengecualian utama di bawah rider ini? Kecederaan badan yang dilakukan sendiri ketika waras atau tidak waras. Hilang Upaya Total dan Kekal yang sedia wujud sebelum atau pada tarikh risiko berkuat kuasa atau pada tarikh sebarang penguatkuasaan semula rider ini, mana yang kemudian. Penyakit kritikal yang sedia wujud sebelum atau pada tarikh risiko berkuat kuasa atau pada tarikh sebarang penguatkuasaan semula bagi rider ini, mana yang kemudian. Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini. 7. Bolehkah saya membatalkan rider ini? Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat. Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya? Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya. Di manakah saya boleh mendapatkan maklumat lanjut? Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : 1300 1300 88 E-mel : wecare@lifeisgreat.com.my 10. Jenis perlindungan lain yang serupa Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa. NOTA PENTING:
2.
4.
5.
8.
9.
TAY CHIN LONG / 6171866 / U78 / V00 / 0310
Page 31 of 41
Soo
ANDA SEHARUSNYA BERPUAS HATI BAHAWA RIDER INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT. Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 14/05/2011. Jika terdapat sebarang percanggahan, versi bahasa Inggeris bagi Risalah Pemberitahuan Produk ini akan digunakan.
TAY CHIN LONG / 6171866 / U78 / V00 / 0310
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(93745-A)
MISS Soo
: TAY CHIN LONG (6171866) : 14/05/2011
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Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur : (603) 4259 8888 : (603) 4259 8000 : 14/05/2011 (GELSIS-5.25) : TAY CHIN LONG
: 0281 2 : : MISS Soo : : : : : 32 1
: 2 # U66 SM150 48 150 0.00 0% 0.00 0.00 0.00 U78 IL-WPP 67 1,320 0.00 0% 0.00 0.00 0.00 (RM) 1,320.00 0.00 1,320.00 ^ () # * 99 : 43%95% * : RM1,200.00 * : RM1,000.00 * / () - : 22 Very Dynamic ^ : 67 * () 67 (RM) 14,000 ^ (RM) (RM (%) Per 1,000) 1,320.00 0% 0.00 (RM) 0.00 ^ (RM) 1,320.00
56 # 1-20 Y% 21-30
5.50% 5.00% 5.50% 5.00% 5.50% 6.00% 6.00% 8% 7% 8% 7% 8% 9% 9%
X% 1-30
3% 4% 3% 4% 3% 2% 2%
F1 F4 F5 F6 F9 F17 F18
Page 34 of 41

1 62 63 64 65 66 67
61 62 63 64 65 66 67
F1
F4
20% 40% 60% 70% 80% 90%
F5
F6
F9
F17
100% 80% 60% 40% 30% 20% 10%
F18

1 21 ^ #
#
20 30
Y%
9.00 6.00
X%
2.00 2.00
Page 35 of 41
33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 : Y%# 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1,320.00 2,640.00 3,960.00 5,280.00 6,600.00 7,920.00 9,240.00 10,560.00 11,880.00 13,200.00 14,520.00 15,840.00 17,160.00 18,480.00 19,800.00 21,120.00 22,440.00 23,760.00 25,080.00 26,400.00 27,720.00 29,040.00 30,360.00 31,680.00 33,000.00 34,320.00 35,640.00 36,960.00 38,280.00 39,600.00 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414
: X%# SM150 IL-WPP
58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 150 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320 1,320
#X%Y% : -
1. SM150 : 150 IL-WPP :IL Waiver of Premium Plus Rider 2. 3. 4.(E&OE) 5. 6./
Page 36 of 41

X%Y%
(A) (B)
1
(C)
(D)
(E)
(F)
(G)
(H)
(I) Y% 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 4 5 12 20 30 40 54 68 83 99 115 132 150 170 190 210 231 254 278 303 331 349 367 386 404 422 440 459 478 494 X% 4 5 12 19 28 36 47 59 70 80 90 100 110 120 129 137 144 152 160 166 171 176 181 185 189 191 193 194 196 193
(J) Y% 77 157 706 1,290 1,986 2,725 3,722 4,784 5,913 7,034 8,224 9,487 10,827 12,250 13,657 15,150 16,728 18,402 20,177 21,906 23,113 24,354 25,636 26,955 28,182 29,439 30,726 32,042 33,379 34,354 X% 58 114 606 1,097 1,657 2,214 2,969 3,724 4,477 5,150 5,819 6,481 7,139 7,791 8,337 8,876 9,400 9,916 10,421 10,768 11,102 11,424 11,738 12,039 12,198 12,339 12,461 12,561 12,629 12,290
(K) = (D)+(E)+(J) Y% 14,077 14,297 14,986 15,710 16,546 17,425 18,562 19,764 21,033 22,294 23,624 25,027 26,507 28,070 29,617 31,250 32,968 34,782 36,697 38,566 39,913 41,294 42,716 44,175 45,542 46,939 48,366 49,822 51,299 52,414 X% 14,058 14,254 14,886 15,517 16,217 16,914 17,809 18,704 19,597 20,410 21,219 22,021 22,819 23,611 24,297 24,976 25,640 26,296 26,941 27,428 27,902 28,364 28,818 29,259 29,558 29,839 30,101 30,341 30,549 30,350
(L) 2 462.00 462.00 330.00 330.00 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
419.64 421.32 423.72 426.12 478.20 481.92 485.28 487.92 491.40 571.80 576.24 582.84 588.00 592.68 698.04 702.48 713.52 718.92 724.80 878.76 884.88 891.72 891.36 897.48 1,029.12 1,036.80 1,044.36 1,053.72 1,072.80 1,466.04
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62
1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00
752.40 752.40 316.80 316.80 198.00 198.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
567.60 567.60 1,003.20 1,003.20 1,122.00 1,122.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00
14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000 14,000
0 140 280 420 560 700 840 980 1,120 1,260 1,400 1,540 1,680 1,820 1,960 2,100 2,240 2,380 2,520 2,660 2,800 2,940 3,080 3,220 3,360 3,500 3,640 3,780 3,920 4,060
18.72 18.72 18.72 18.72 18.72 18.72 18.72 18.72 20.28 21.72 23.40 25.32 27.72 30.48 33.96 38.16 43.08 48.48 54.36 60.84 67.80 75.12 83.40 92.52 102.60 114.00 126.00 138.72 151.92 164.88
#X%Y% 1. 2. 5% 5% 3. : 1. 2. 3. GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25) Page 37 of 41
4. 5."N/A", 6."-", X%Y%X%Y%Y% 7. 8.(E&OE) 9./
Page 38 of 41
** X%Y% 2005 2006 2007 2008 2009 F1 0.24% 23.75% 34.39% -19.89% 29.29% F4 8.30% 10.40% 7.13% 5.26% 4.23% F5 -1.14% 24.64% 33.51% -27.95% 33.20% F6 ^^ 8.21% 9.66% 6.92% 4.41% 3.66% F9 n/a * 30.52% -22.57% 27.57% F17 n/a n/a n/a n/a n/a F18 n/a n/a n/a n/a n/a ^^ Mauzuun Bond * 2005 2006 2007 2008 2009 F1 Weighted 1.59% 12.59% 17.35% -20.20% 22.50% Benchmark F4 12 months FD 3.80% 3.90% 3.76% 3.80% 2.70% F5 FBM 100* -0.84% 21.83% 31.82% -39.30% 45.60% F6 ^^ 12 months 3.80% 3.60% 3.75% 3.80% 2.80% Mudharabah Deposit F9 Weighted 1.59% 12.59% 17.35% -20.20% 22.50% Benchmark F17 FBM 100 -3.20% 23.00% 33.40% -40.90% 48.00% F18 FBM Shariah -8.70% 26.50% 45.60% -43.50% 43.00% where : FTSE Bursa Malaysia 100 Index(72009 FBM 100* ) : FTSE Bursa Malaysia 100 Index FBM 100 : FBM FBM Shariah : 12 12 months FD 12 months Mudharabah Deposit : 12 Mudharabah : FBM 100 1272009 Weighted Benchmark 12) ()/
Page 39 of 41
40% - 60% F4 40% - 95% F5 50% - 90% F6 40% - 95% F9 F17 80%100% 50%100%25% F18 80%100% 50%100%25% : : 1 2 3 4 5 1,320.00 1,320.00 1,320.00 1,320.00 1,320.00 (%) 43.00% 43.00% 76.00% 76.00% 85.00% 567.60 567.60 1,003.20 1,003.20 1,122.00 (RM) 95%: : :: RM6 (a) : ) (b) F1 1.00% F4 0.50% F5 1.35% F6 0.50% F9 1.25% F17 1.50% F18 1.50%
F1
6 1,320.00 85.00% 1,122.00
7 & 1,320.00 100.00% 1,320.00
(i) (ii) (iii) 1 20% 5
2 40%
3 60%
4 80%
70( :(i) RM2,000,000 RM1,000,000 (ii) RM500,000 RM3,500,000 5( RM500,000 U66 SmartMedic (SM150) U66 SmartMedic U78 IL Waiver of Premium Plus Rider (IL WPP) U78 IL Waiver of Premium Plus Rider36
: TAY CHIN LONG : 14/05/2011
Page 41 of 41

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

SmartProtect Essential Insurance 2

PRESENTED BY : TAY CHIN LONG (6171866) DATE PREPARED : 14/05/2011

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Investment Strategy Selected Investment Horizon

: 22 Very Dynamic ^ : 67 Years

Unit Fund(s) Selected

Policy Year From To

Unit Fund(s) Selected F6

Policy Year From To

Weighted Projected Gross Investment Return # Y% X%

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Prepared by : TAY CHIN LONG Date : 14/05/2011

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Product Disclosure Sheet

TAY CHIN LONG / 6171866 / 0281 / V02 / 0111

TAY CHIN LONG / 6171866 / 0281 / V02 / 0111

Product Disclosure Sheet

As charged subject to Overall Annual Limit and Overall Lifetime Limit.

As charged subject to Overall Annual Limit and Overall Lifetime Limit.

19 Increase to the Initial Overall Annual Limit **

22 Accidental Death Benefit 23 Supreme Assist (Emergency Medical Assistance Services)

24 Car Assistance Programme

Soo E-mail : wecare@lifeisgreat.com.my

Product Disclosure Sheet

TAY CHIN LONG / 6171866 / U66 / V02 / 0211

Product Disclosure Sheet

Product Disclosure Sheet

TAY CHIN LONG / 6171866 / U78 / V00 / 0310

Great Eastern Life Assurance (Malaysia) Berhad

Ilustrasi Manfaat Insurans Hayat Bagi

SmartProtect Essential Insurance 2

DISEDIAKAN OLEH : TAY CHIN LONG (6171866) TARIKH DISEDIAKAN : 14/05/2011

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Strategi Pelaburan yang Dipilih Tempoh Pelaburan

Dana Unit yang Dipilih

Tahun Polisi Dari Hingga

Dana Unit yang Dipilih F6

Tahun Polisi Dari Hingga

Unjuran Pulangan Pelaburan Kasar Berwajaran # Y% X%

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Premium yang Premium yang Diperuntukkan Tidak 1 Diperuntukkan

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

GREAT EASTERN / TAY CHIN LONG / 6171866 / (GELSIS-5.25)

Disediakan oleh : TAY CHIN LONG Tarikh : 14/05/2011

Risalah Pemberitahuan Produk

TAY CHIN LONG / 6171866 / 0281 / V02 / 0111

TAY CHIN LONG / 6171866 / 0281 / V02 / 0111

Risalah Pemberitahuan Produk

TAY CHIN LONG / 6171866 / U66 / V02 / 0211

Risalah Pemberitahuan Produk

Had Tahunan Keseluruhan