+ All Categories
Home > Documents > LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL...

LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL...

Date post: 05-Oct-2020
Category:
Upload: others
View: 13 times
Download: 0 times
Share this document with a friend
52
LIFE PROTECTION PLAN RHB Essential PrimeLink Plus Premier Preserve your wealth & legacy. A life insurance solution to meet your legacy planning needs.
Transcript
Page 1: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

LIFE PROTECTION PLAN

RHB Essential PrimeLink Plus Premier

Preserveyour wealth &legacy.

A life insurance solution to meet

your legacy planning needs.

Page 2: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to
Page 3: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

A life insurance

solution to meet

your legacy

planning needs.

You have accomplished more in life than most, making your

mark on the world. Your success today is a testament to your

hard work and how far you have come.

Although your journey to the top was anything but easy, you

never gave up. That is because you know that sustainability

and growth are key to your success every step of the way.

After years of building your wealth, it is now time to ensure

that your legacy is passed down not only to the next

generation but also to future generations.

Introducing RHB Essential PrimeLink Plus Premier. An

innovative solution that meets your legacy planning needs.

You can leverage on the customisable solution to ensure your

legacy is passed down to your loved ones, and your wealth is

preserved.

RHB Essential PrimeLink Plus Premier

Page 4: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Protection

Life Coverage up to RM500,000

Upon Death or Total and Permanent Disability (TPD),

the sum assured will be payable in one lump sum to

provide financial security for you and your loved

ones.

Additional up to 300% of Sum Assured uponAccidental Death*

With the additional sum payable under this

benefit, rest assured that your loved ones will be

able to cope financially should accidental death

happen to you before age 70 next birthday.

* Subject to terms and conditions.

Solid Protection throughout the Coverage Term

With Guaranteed Inforce facility, stay protected

throughout the coverage term even when Total Fund

Value is not sufficient for the applicable charges as

long as all premiums due are paid and no partial

withdrawal is made from Protection Fund Value

(PFV).

Lifestyle Rewards

Step-up Guaranteed Cash Payment

Enjoy a steady flow of Guaranteed Cash

Payment (GCP) simply by adding Income Plus

Enhancer Rider. With this Rider, you are ensuring

your wealth is preserved.

Maturity Benefits

Upon policymaturity,youwill receive a lump sum of

Guaranteed Maturity Benefit, Total Fund Value and

any accumulated GCP to pass down your legacy to

your loved ones.

FEATURES & BENEFITS

Page 5: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

x

Extra Guaranteed Maturity Benefits

To maximize your maturity benefits, you may

add Saver Plus Enhancer Rider which provides

additional Guaranteed Maturity Benefit. You may

also be entitled for Loyalty Bonus^, which gives you

an added boost in building your legacy for your

loved ones.

^ Subject to terms and conditions.

Unit-Linked Investment Opportunity

Opportunity to invest in Tokio Marine Investment-Linked Fund

Build your legacy fund today for a comfortable

future by investing in TokioMarine-Managed

Fund managed by Professional Investment Experts.

Flexibility to add on Regular Top-Up to boost the Investment-Linked Fund Value

With the flexibility to boost your investment fund

via regular top-up, you are one step closer to

achieving your legacy needs.

Simplified Underwriting

Guaranteed Acceptance

When you enrol for this plan, rest assured

that your application will be accepted.

Simplified Underwriting with No MedicalCheck-Up

Simplified underwriting to enjoy this plan as no

medical examination is required.

$

Page 6: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

HOW DOES RHB ESSENTIAL

PRIMELINK PLUS PREMIER WORK?

At age 40 (next birthday), Mr. Johan, anon-smoker, Standard Life wishes to builda strong and fulfilling legacy for his lovedones. He signs up for a 5 pay 20 years RHBEssential PrimeLink Plus Premier with thedetails below:

Scenario 1

Upon maturity of the policy at end of year 20, Mr. Johan will

receive a total projected benefit amount as follows:

Type of Benefits Sum Assured (RM)

Basic Sum Assured (BSA) RM 100,000

Income Plus Enhancer RiderRM 50,000(5 units, assume GCP are received every year)

Saver Plus Enhancer RiderRM 50,000(5 units)

Premium AmountRM 132,000 per annum(to be paid for 5 years)

Type of Benefits Amount (RM)

Guaranteed Benefits

Total GCP from Income Plus Enhancer Rider (received from year 1 to year 19)

132,000

Guaranteed Maturity Benefit from Income Plus Enhancer Rider and Saver Plus Enhancer Rider

797,500

Loyalty Bonus4 fromSaver Plus EnhancerRider

5,000

Total Guaranteed Benefit 934,500

(+) Non-Guaranteed Benefits

Total Fund Value1

Low Scenario2

HighScenario3

17,896 35,575

(=) Total Projected Benefit 952,396 970,075

Page 7: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Scenario 2

Unfortunately, Mr. Johan passes away at age 48 (next

birthday) due to an earthquake during his trip in Japan. His

family members will receive the total death benefit amount

below in one lump sum:

Note:

1The fund returns are neither guaranteed nor based on the pastperformance.

2The Fund Value at low scenario is projected at the investment return of2% per annum.

3The Fund Value at high scenario is projected at the investment return of5% per annum.

4Subject to terms and conditions.

5The Death Benefit of the basic plan is Investment Fund Value if any andhigher of Basic Sum Assured minus any withdrawal made OR ProtectionFund Value, less any indebtedness.

6The Death Benefit of Income Plus Enhancer Rider is Accumulated GCP (ifany) plus higher of Rider Cash Value OR 100% Total Premium Paid minusTotal GCP Paid, less any indebtedness.

7The Death Benefit of Saver Plus Enhancer Rider is higher of Rider CashValue OR 100% Total Premium Paid for the Rider, less any indebtedness.

The scenarios are for illustration purpose only. Please refer to the policydocument, Sales Illustration, Fund Fact Sheet and Product DisclosureSheet for detailed benefits, exclusions, terms and conditions.

Type of Benefits Amount (RM)

Basic Plan

Death Benefit5 100,000

Additional AccidentalDeath Benefit due toNatural Disaster

300,000

(+) Income Plus Enhancer Rider6 267,000

(+) Saver Plus Enhancer Rider7 315,000

(=) Total Projected Benefit 982,000

Page 8: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

FREQUENTLY ASKED QUESTIONS

What is RHB Essential PrimeLink Plus Premier?

RHB Essential PrimeLink Plus Premier is a limited 5 or 10

pay regular premium investment-linked plan covering Death

and Total and Permanent Disability (TPD) up to the coverage

term. This plan also provides additional coverage upon

Accidental Death.

Upon Death or Total and Permanent Disability (TPD), the

lump sum benefit amount shall be payable, depending on the

categorization of the Life Assured.

Note:

• The categorization of the Life Assured will be subject to underwriting

decision.

• Withdrawal refers to any withdrawal made from Protection Fund

Value within the past 12 months of the event date.

• Total Basic Premium refers to Basic Regular Premium and any Limited

Top-Up Premium.

Category of

Life Assured

Policy Year 1 to 3 Policy Year 4 &

onwards

Standard

(S1) Life

Investment Fund Value, if any and higher of:• Basic Sum Assured minus any withdrawal

made;

OR•Protection Fund Value less

any indebtedness

Sub-

standard

(S2) Life

Investment Fund Value,

if any and higher of:

• 115% of Total

Basic Premium

paid up-to-

date minus any

withdrawal made;

OR

• Protection Fund

Value

less any indebtedness

Investment Fund Value,

if any and higher of:

• Basic Sum

Assured minus

any withdrawal

made;

OR• Protection Fund

Value

less any indebtedness

Severely

Sub-

standard

(S3) Life

Investment Fund Value, if any and higher of:• 105% of Total Basic Premium paid up-to-

date minus any withdrawal made;

OR•Protection Fund Value less

any indebtedness

Page 9: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Upon Accidental Death of the Life Assured, an additional

Basic Sum Assured shall be payable together with the death

benefit according to accidental death event below:

What are the optional benefits that can be attached to RHB

Essential PrimeLink Plus Premier?

(i) Income Plus Enhancer Rider

(ii) Saver Plus Enhancer Rider

(iii) IL Waiver of Premium on Dread Disease Rider*

(iv) iPayor Waiver*

* Subject to underwriting and underwriter reserves the right to

reject the coverage in writing.

What is Income Plus Enhancer Rider?

Income Plus Enhancer Rider is a regular premium paying rider

which provides a stream of Guaranteed Cash Payment (GCP)

and Guaranteed Maturity Benefit upon completion of the

rider coverage term:

Event Percentage of Basic Sum

Assured Payable

Death due to accident of any causes

other than public conveyance and natural disaster

Additional 100% of

Basic Sum Assured

Death due to accident from commuting

in public conveyance

Additional 200% of

Basic Sum Assured

Death due to accident from natural

disaster

Additional 300% of

Basic Sum Assured

5 Pay 20 Years 10 Pay 30 Years

End of

Policy Year

GCP rate

(% Rider Sum

Assured)

End of

Policy Year

GCP rate

(% Rider Sum

Assured)

1 to 10 12% 1 to 10 10%

11 to 19 16% 11 to 20 20%

20 605%(Guaranteed

Maturity Benefit)

21 to 29 40%

- - 30 700%(Guaranteed

Maturity Benefit)

Total 869% Total 1,360%

Page 10: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

You may choose to receive or leave the GCP with us to

accumulate with interest* or reinvest it with 100% allocation

rate into our investment-linked fund(s) for potential

investment return.

* The interest rate are non-guaranteed and subject to our declaration.

This rider also provides protection benefits upon Death and

Total and Permanent Disability (TPD) with lump sum benefits

payable, depending on the categorization of the Life Assured.

What is Saver Plus Enhancer Rider?

Saver Plus Enhancer Rider is a regular premium paying rider

which provides a lump sum payout of Guaranteed Maturity

Benefit upon completion of the rider coverage term:

Besides that, an extra amount of Loyalty Bonus will be paid

according to the Rider Sum Assured upon completion of the

rider coverage term.

Category

of Life

Assured

Policy Year

1 to 3

Policy Year

4 & onwards

Standard

(S1) Life

Accumulated GCP (if any) plus higher of:•Rider Cash Value;

OR•100% Total Premium Paid minus Total GCP Paid

less any indebtedness

Sub-

standard

(S2) Life

Accumulated GCP (if any)

plus higher of:

• Rider Cash Value;OR

• 80% Total Premium Paid minus Total GCP Paid

less any indebtedness

Accumulated GCP (if any)

plus higher of:

• Rider Cash Value;OR

• 100% Total Premium Paid minus Total GCP Paid

less any indebtedness

Severely

Sub-

standard

(S3) Life

Accumulated GCP (if any) plus higher of:•Rider Cash Value;

OR•80% Total Premium Paid minus Total GCP Paid

less any indebtedness

5 Pay 20 Years 10 Pay 30 Years

End of Policy

Year

Guaranteed

Maturity Benefit

(% Rider Sum Assured)

End of Policy

Year

Guaranteed

Maturity Benefit

(% Rider Sum Assured)

20 990% 30 1,800%

Page 11: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

This rider also provides protection benefits upon Death and

Total and Permanent Disability (TPD) with lump sum benefits

payable, depending on the categorization of the Life Assured.

Who is eligible?

This plan is offered to anyone from 30 days to 70 years old

next birthday, subject to the plan chosen and maximum

expiry age is 90 years old next birthday.

How long is the coverage and premium payment term of

RHB Essential PrimeLink Plus Premier?

There are 2 options as below for you to customize this plan

to suit your unique financial needs:

Rider Sum Assured

(RM)Loyalty Bonus

(% Rider Sum Assured)

5 Pay 20 Years 10 Pay 30 Years

40,000 & above 10% 20%

Category

of Life

Assured

Policy Year

1 to 3

Policy Year

4 & onwards

Standard

(S1) Life

Higher of:•Rider Cash Value;

OR•100% Total Premium Paid for the Rider

less any indebtedness

Sub-

standard

(S2) Life

Higher of:• Rider Cash Value;

OR• 80% Total Premium

Paid for the Rider

less any indebtedness

Higher of:• Rider Cash Value;

OR• 100% Total Premium

Paid for the Rider

less any indebtedness

Severely

Sub-

standard

(S3) Life

Higher of:•Rider Cash Value;

OR•80% Total Premium Paid for the Rider

less any indebtedness

Premium Payment Term (years) Coverage Term (years)

5 20

10 30

Page 12: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

What is the minimum and maximum sum assured of RHB

Essential PrimeLink Plus Premier?

How much premium do I need to pay?

The premium amount differs by the attained age, gender,

smoking status, sum assured and riders selected.

The premium are payable throughout the premium payment

term of your policy. You may also top-up your premium

periodically to maximize your investment, of which 95% will

be used to purchase units in the investment-linked fund.

How will my basic premium be invested?

We will allocate the basic premium paid to purchase units

at the following premium allocation rates according to your

choice of premium payment term:

Premium Payment Term of 5 years

Premium Payment Term of 10 years

What can I do if I want to continue the insurance protection

after the maturity of RHB Essential PrimeLink Plus Premier?

Upon maturity of RHB Essential PrimeLink Plus Premier, you

have an opportunity to purchase a new life policy* with the

amount payable upon death/ TPD that is equivalent to that

of your RHB Essential PrimeLink Plus Premier WITHOUT

further underwriting.

* Subject to the eligibility criteria of the new chosen plan.

Entry Age

Range

Minimum Sum

Assured (RM)

Maximum Sum

Assured (RM)

Age 30 days

old – 60 next birthday

100,000per life

500,000 per life

(Standard Life ONLY)

300,000 per life

(Sub-Standard AND

Severely Sub-Standard Life)

Age 61 – 70next birthday

100,000per life

200,000 per life

Policy Year 1 2 3 4 5

Premium Allocation Rate (%)

60% 90% 100% 100% 100%

Policy Year 1 2 3 4 5 6 &above

Premium Allocation Rate (%)

60% 65% 75% 100% 100% 100%

Page 13: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Are the premiums paid under RHB Essential PrimeLink Plus

Premier eligible for tax relief?

Your premium is eligible for income tax deduction, subject to

approval of the Inland Revenue Board.

What are the fees and charges involved?

Are there any benefit limitations?

This basic plan does not cover:(a) Death due to suicide within 1 year from the Issue Date or

Reinstatement Date of the policy, whichever is later.

(b) Total and Permanent Disability due to:

• attempted suicide (whether sane or insane);• self-inflicted injury or injury sustained while under the

influence of drugs or alcohol;

• injury sustained while engaging in hazardous speed or

endurance contest;

• any airborne activities (except when travelling as a

fare paying passenger or a crew member of an aircraft

operated by an International Airline and licensed for

passenger service over a regular scheduled commercial

route);

• submarine voyage;

• military, police, naval or aeronautical service;

• violation of law or resistance to arrest;• any form of disability which existed at the Issue Date or

Reinstatement Date of the policy; whichever is later;

• war declared or undeclared, revolution, riot and civil

commotion, strikes or terrorist activities; or

• pre-existing condition which existed prior to the Issue

Date or Reinstatement Date of the policy, whichever is

later.

Charges Amount

InsuranceCharges

Depending on the Life Assured’s attained age,

gender, smoking habits, occupation or healthcondition. This charges will be deducted fromyour Fund Value each month.

Policy Fee RM 8.50 will be deducted from your Fund

Value each month.

Fund Management

ChargesUp to 1.5% per annum of the fund assets

Page 14: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

(c) Accidental Death due to:• any form of illness or disease due to non-accidental

causes;

• attempted suicide (whether sane or insane);• self-inflicted Injury or Injury sustained while under the

influence of drugs or alcohol;

• injury sustained while engaging in hazardous speed or

endurance contest;

• any airborne activities (except when travelling as a

fare paying passenger or a crew member of an aircraft

operated by an international airline and licensed for

passenger service over a regular scheduled commercial

route);

• submarine voyage;

• military, police, naval or aeronautical service;

• violation of law or resistance to arrest;• restoration of public order or making any arrest as an

officer of law;

• war declared or undeclared, revolution, strikes, terrorist

activities or participation in riot and civil commotion;

• pre-existing condition which existed prior to the Issue

Date or Reinstatement Date of the policy, whichever is

later;

• hernia, ptomaine or bacterial infection (except

pyogenic infection which shall occur with and through

an accident cut or wound); or

• poison, gas, fumes (voluntarily or involuntarily,

accidentally or otherwise taken, administered,

absorbed or inhaled).

This list is non-exhaustive. Please refer to the policy contract

for the complete list of exclusions.

How do I make a claim?

You may submit the claim form directly to the nearest RHB

Bank/ Tokio Marine Life Insurance Malaysia Bhd’s (“the

Company”) branches or claim online via customer portal at

https://www.tokiomarinelife.com.my/eServices. Proof of claim

must be accepted and approved by the Company to facilitate

the policy’s benefit directly to the appropriate party.

How do I track the performance of the funds?

The published daily unit price of the funds is available on our

website at https://www.tokiomarine.com/my/en/personal/

resources/funds-overview/fund-prices.html.

Page 15: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Who can I reach if I need more information?

If you wish to know more about this plan, please contact your

nearest RHB Bank Branch. Alternatively, we are also contactable

via email at [email protected].

Page 16: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Important Notes

1. This brochure provides a summary of the main featuresof this product. It does not constitute a contract ofinsurance. Please refer to the policy document, SalesIllustration, Fund Fact Sheet and Product Disclosure Sheetfor detailed benefits, exclusions, terms and conditionsbefore deciding on your purchase of this plan.

2. You should satisfy yourself that this plan suits your needsand the amount of premium payable under this plan is theamount that you can afford.

3. Buying a life insurance is a long term commitment. If yousurrender the policy in the early years, the amount youget back will be less than the amount that you have paid.

4. You should consider the applicable fees and chargesinvolved carefully. Such fees and charges are notguaranteed and may be varied from time to time.

5. All fees and charges are not guaranteed and we reservethe right to revise the rate applicable by giving a 90-dayadvance notice.

6. Your insurance charges will increase based on yourattained age, according to the insurance charges set outin your policy contract.

7. The Protection Fund Value (PFV) and InvestmentFund Value (IFV) of the policy is not guaranteed andwill fluctuate depending on the performance of theinvestment-linked fund. The investment risks under thisplan are to be borne solely by you.

The Fund Fact Sheet contains detailed information ofthe investment-linked fund such as the risk involved ininvesting in the fund and the past performance of thefund compared to the benchmark. The past performanceof a fund is not a guide to future performance.

8. You may make partial withdrawal by selling some of theunits in the invested funds, subject to the limitationsimposed by us. If there is any withdrawal from ProtectionFund Value within the past 12 months from any claimsunder the basic plan and the benefit payable is more thanthe Protection Fund Value (PFV), then the benefit payablewill be subject to the withdrawal clause.

Page 17: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

9. TPD benefit is subject to RM 8 million per life for allpolicies on the same life. The TPD coverage will ceasewhen the Life Assured has attained age 70 (next birthday).

10. The maximum additional amount payable for AccidentalDeath is RM 10 million for all policies on the same life.This additional amount payable upon Accidental Deathwill cease to be payable when the Life Assured hasattained age 70 (next birthday).

11. Income Plus Enhancer Rider and/ or Saver Plus EnhancerRider is a premium paying rider that is packaged to thisplan throughout the coverage term. The premium paid forthese riders will not be allocated to purchase units in theinvestment-linked fund.

12. You should ensure that the important informationregarding this plan is disclosed to you and you understandthe information disclosed. If there is any ambiguity, youshould seek clarification from us.

13. You have 15 days to review your policy from the date ofdelivery of this policy document. If for any reason youdecide not to continue with the policy, you may cancelyour policy by submitting a written request to us withinthe 15 days period for a refund of the following amounts,less any medical expenses incurred:

i. Any unallocated premium;ii. Total Fund value at the next valuation date; andiii. Any insurance charge and fees deducted.

Page 18: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

THIS IS AN INSURANCE PRODUCT THAT IS TIED TOTHE PERFORMANCE OF THE UNDERLYING ASSETS,AND IS NOT A PURE INVESTMENT PRODUCT SUCHAS UNIT TRUST

Underwritten by:

Tokio Marine Life Insurance Malaysia Bhd.[199801001430 (457556-X)]

Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia

Ground Floor, Menara Tokio Marine Life, 189, Jalan Tun Razak, 50400 Kuala Lumpur. General Line : 603-2059 6188Fax : 603-2162 8068Customer Care Hotline : 603-2603 3999www.tokiomarine.com

Tokio Marine Life Insurance Malaysia Bhd is a member ofPerbadanan Insurans Deposit Malaysia (PIDM). As a memberof PIDM, some of the benefits insured under the insurancepolicies offered by Tokio Marine Life Insurance Malaysia Bhdare protected against loss of part or all of insurance benefitsby PIDM, in the unlikely event of an insurer member failure.For further details of the protection limits and the scope ofcoverage, please obtain a PIDM information brochure fromTokio Marine Life Insurance Malaysia Bhd or visit PIDMwebsite (www.pidm.gov.my) or call PIDM toll free line (1-800-88-1266).

Distributed by:

RHB Bank Berhad 196501000373 (6171-M)

Page 19: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

PELAN PERLINDUNGAN HAYAT

RHB Essential PrimeLink Plus Premier

Kekalkankekayaan &warisan anda.

Pelan insurans hayat untuk memenuhi

keperluan perancangan warisan anda.

Page 20: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to
Page 21: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Pelan insurans hayat

untuk memenuhi

keperluanperancangan

warisan anda.

Pencapaian hidup anda adalah lebih tinggi daripada

kebanyakan insan dan telah meninggalkan tapak tanda

anda sendiri di dunia ini. Pencapaian anda hari ini telah

membuktikan kerja keras dan ketekunan anda. Walaupun

perjalanan anda menuju ke puncak adalah sukar, namun anda

tidak pernah berputus asa. Itulah kerana anda tahu bahawa

kemampanan dan pertumbuhan adalah kunci kejayaan anda.

Setelah bertahun-tahun anda membina kekayaan anda,

sekarang tiba masanya untuk memastikan bahawa warisan

anda dapat diturunkan ke generasi seterusnya tetapi juga

generasi masa depan.

Memperkenalkan RHB Essential PrimeLink Plus Premier.

Penyelesaian inovatif yang memenuhi perancangan

warisan anda. Anda boleh mengambil kesempatan ini untuk

memastikan warisan anda dapat diturunkan kepada insan

yang anda sayangi dan kekayaan anda dapat dikekalkan.

RHB Essential PrimeLink Plus Premier

Page 22: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

CIRI & MANFAAT

Perlindungan

Perlindungan Hayat sehingga RM500,000

Apabila berlakunya Kematian atau Hilang Upaya

Menyeluruh dan Kekal (HUMK), jumlah yang

diinsuranskan akan dibayar sekali gus bagi

memberikan jaminan kewangan untuk anda dan

insan-insan yang anda sayangi.

Tambahan 300% daripada Jumlah YangDiinsuranskan apabila berlakunya KematianAkibat Kemalangan

Dengan bayaran amaun tambahan manfaat ini,

yakinlah bahawa insan-insan yang anda sayangi

dapat mengatasi masalah kewangan sekiranya

anda meninggal dunia akibat kemalangan sebelum

umur 70 pada hari jadi yang berikut.

* Tertakluk kepada terma dan syarat.

Perlindungan Kukuh sepanjang TempohPerlindungan

Dengan kemudahan Jaminan Berkuatkuasa, anda

akan tetap dilindungi sepanjang tempoh

perlindungan walaupun jumlah Nilai Dana adalah

tidak mencukupi untuk caj-caj berkenaan, selagi

semua premium yang perlu dibayar telah dibayar dan

tiada pengeluaran separa daripada Nilai Dana

Perlindungan (PFV).

Ganjaran Gaya Hidup

Bayaran Tunai Terjamin Bertingkat

Nikmatilah aliran Bayaran Tunai Terjamin (GCP)

tetap, hanya dengan Income Plus Enhancer Rider.

Dengan Rider ini, anda akan memastikan kekayaan

anda dipelihara.

Manfaat Kematangan

Anda akan menerima Manfaat Kematangan

Terjamin, jumlah Nilai Dana dan sebarang GCP yang

terkumpul dengan sekali gus untuk memberikan

warisan anda kepada insan yang anda sayangi

semasa kematangan polisi ini.

Page 23: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

x

Manfaat Kematangan Terjamin Tambahan

Untuk memaksimumkan manfaat kematangan

anda, anda boleh menyertakan Saver Plus

Enhancer Rider yang memberikan Manfaat

Kematangan Terjamin tambahan. Anda juga layak

untuk Bonus Kesetiaan^ sebagai penggalak

tambahan dalam membina warisan anda untuk

insan yang anda sayangi.

^ Tertakluk kepada terma dan syarat.

Peluang Pelaburan Berkaitan Unit

Peluang untuk melabur dalam Dana TokioMarine Berkaitan Pelaburan

Binalah dana persaraan anda sekarang untuk masa

depanyang selesa dengan melabur dalam Dana

TokioMarine-Managed yang diurus oleh Pakar-pakar

Pelaburan Profesional.

Fleksibiliti untuk membuat Tambahan Berkalabagi meningkatkan Nilai Dana BerkaitanPelaburan

Anda mempunyai kebebasan untuk

meningkatkan dana pelaburan anda melalui

tambahan berkala bagi mencapai keperluan

warisan anda dalam tempoh yang lebih singkat.

Pengunderaitan Mudah

Penerimaan Terjamin

Apabila anda mendaftar diri anda untuk pelan

ini, anda diyakinkan bahawa permohonan anda

akan diterima.

Pengunderaitan Mudah Tanpa PemeriksaanKesihatan

Pengunderaitan mudah membolehkan anda

menikmati perlindungan dan manfaat-manfaat

pelan ini kerana pemeriksaan kesihatan tidak

diperlukan.

Page 24: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

BAGAIMANAPRIMELINK BERFUNGSI?

RHB ESSENTIALPLUS PREMIER

Encik Johan, berhayat standard, bukanperokok yang berumur 40 (pada hari jadiyang berikut) ingin membina warisanyang kuat dan memuaskan bagi insantersayangnya. Dia mengambil RHB EssentialPrimeLink Plus Premier yang memerlukanbayaran premium selama 5 tahun untuktempoh perlindungan 20 tahun denganbutiran-butiran di bawah:

Senario 1

Apabila polisi ini mencapai kematangan pada akhir tahun

ke-20, Encik Johan akan menerima jumlah yang diunjurkan

seperti yang berikut:

Manfaat-manfaat Jumlah yang Diinsuranskan (RM)

Jumlah Asas Yang Diinsuranskan RM 100,000

Income Plus Enhancer RiderRM 50,000(5 unit, andaikan GCP diterima setiap tahun)

Saver Plus Enhancer RiderRM 50,000(5 unit)

Amaun PremiumRM 132,000 per annum(dibayar selama 5 tahun)

Manfaat-manfaat Amaun (RM)

Manfaat Terjamin

Jumlah GCP daripada Income Plus Enhancer Rider (diterima dari tahun 1 hingga tahun 19)

132,000

Manfaat Kematangan Terjamin daripada Income Plus Enhancer Rider dan Saver Plus Enhancer Rider

797,500

Bonus Kesetiaan4

daripada Saver Plus Enhancer Rider

5,000

Jumlah Manfaat Dijamin 934,500

(+) Manfaat Tidak Terjamin

Jumlah Nilai Dana1

SenarioRendah2

SenarioTinggi3

17,896 35,575

(=) Jumlah Manfaat yang Diunjurkan 952,396 970,075

Page 25: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Senario 2

Malangnya, Encik Johan meninggal dunia pada umur 48

tahun (pada hari jadi berikut) akibat gempa bumi semasa

lawatannya ke Jepun. Ahli keluarganya akan menerima

jumlah manfaat kematian sekali gus seperti yang berikut:

Nota:

1Pulangan dana adalah tidak terjamin dan bukan berdasarkan prestasimasa lalu.

2Nilai Dana pada senario rendah adalah diunjurkan pada pulanganpelaburan sebanyak 2% setahun.

3Nilai Dana pada senario tinggi adalah diunjurkan pada pulanganpelaburan sebanyak 5% setahun.

4Tertakluk kepada terma dan syarat.

5Manfaat Kematian Pelan Asas adalah Nilai Dana Pelaburan (jika ada)dan Jumlah Asas yang Diinsuranskan tolak sebarang pengeluaran ATAUNilai Dana Perlindungan mengikut mana-mana yang lebih tinggi, tolaksebarang keterhutangan.

6Manfaat Kematian Income Plus Enhancer Rider adalah GCP terkumpul(jika ada) tambah Nilai Tunai Rider ATAU 100% Jumlah Premium Dibayartolak Jumlah GCP Dibayar mengikut mana-mana yang lebih tinggi, tolaksebarang keterhutangan.

7Manfaat Kematian Saver Plus Enhancer Rider adalah Nilai Tunai Rider;ATAU 100% Jumlah Premium Dibayar mengikut mana-mana yang lebihtinggi, tolak sebarang keterhutangan.

Senario-senario ini adalah hanya untuk tujuan ilustrasi. Sila rujukkepada dokumen polisi, Ilustrasi Jualan, Risalah Fakta Dana dan RisalahPendedahan Produk untuk manfaat terperinci, pengecualian, terma dansyarat.

Manfaat-manfaat Amaun (RM)

Pelan Asas

Manfaat Kematian5 100,000

Manfaat Kematian TambahanAkibat Kemalangan yang disebabkanoleh bencana alam

300,000

(+) Income Plus Enhancer Rider6 267,000

(+) Saver Plus Enhancer Rider7 315,000

(=) Jumlah Manfaat yang Diunjurkan 982,000

Page 26: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

SOALAN-SOALAN LAZIM

Apakah RHB Essential PrimeLink Plus Premier?

RHB Essential PrimeLink Plus Premier merupakan pelan

berkaitan pelaburan premium berkala terhad selama 5

atau 10 tahun yang melindungi Kematian dan Hilang

Upaya Menyeluruh dan Kekal (HUMK) sehingga tempoh

perlindungan. Pelan ini juga menyediakan perlindungan

tambahan apabila berlakunya Kematian Akibat Kemalangan.

Apabila berlakunya Kematian atau Hilang Upaya Menyeluruh

dan Kekal (HUMK), amaun manfaat akan dibayar sekali gus,

bergantung pada kategori Hayat yang Diinsuranskan.

Kategori

Hayat yang

Diinsuranskan

Tahun Polisi

1 hingga 3

Tahun Polisi 4 dan

seterusnya

Hayat

Standard (S1)

Nilai Dana Pelaburan, jika ada, dan:• Jumlah Asas yang Diinsuranskan tolak

sebarang pengeluaran;

ATAU

• Nilai Dana Perlindungan

mengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Hayat Sub-

standard

(S2)

Nilai Dana Pelaburan, jika ada, dan:

• 115% daripada Jumlah Premium Asas yang dibayar terkini tolak sebarang pengeluaran;

ATAU

• Nilai Dana Perlindungan

mengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Nilai Dana Pelaburan, jika ada, dan:

• JumlahAsas yang Diinsuranskan tolak sebarang pengeluaran;

ATAU

• Nilai Dana Perlindungan

mengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Hayat

Severely Sub-

standard

(S3)

Nilai Dana Pelaburan, jika ada, dan:

• 105% daripada Jumlah Premium Asas yang dibayar terkini tolak sebarang pengeluaran;

ATAU

• Nilai Dana Perlindungan

mengikut mana-mana yang lebih tinggi, tolak

sebarang keterhutangan

Page 27: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Nota:

• Kategori Hayat yang Diinsuranskan adalah tertakluk pada keputusan

pengunderaitan.

• Pengeluaran merujuk kepada sebarang pengeluaran yang dibuat

daripada Nilai Dana Perlindungan dalam tempoh 12 bulan yang

lepas dari tarikh kejadian.

• Jumlah Premium Asas merujuk kepada Premium Berkala Asas dan

sebarang Premium Tambahan Terhad.

Apabila berlakunya Kematian Hayat yang Diinsuranskan

Akibat Kemalangan, tambahan Jumlah Asas yang

Diinsuranskan akan dibayar bersama dengan manfaat

kematian mengikut kejadian kematian akibat kemalangan

yang disenaraikan di bawah:

Apakah manfaat-manfaat opsyenal yang boleh disertakan

bersama dengan RHB Essential PrimeLink Plus Premier?

(i) Income Plus Enhancer Rider

(ii) Saver Plus Enhancer Rider

(iii) IL Waiver of Premium on Dread Disease Rider*

(iv) iPayor Waiver*

* Tertakluk kepada pengunderaitan dan penaja jamin berhak

untuk menolak perlindungan dengan bertulis.

Apakah Income Plus Enhancer Rider?

Income Plus Enhancer Rider merupakan rider berbayar

premium berkala yang menyediakan aliran Bayaran Tunai

Terjamin (GCP) dan Manfaat Kematangan Terjamin apabila

tamat tempoh perlindungan rider:

KejadianPeratusan Jumlah Asas

Yang Diinsuranskan

Kematian akibat kemalangan atas

sebarang sebab kecuali pengangkutan awam dan bencana alam

Tambahan 100% Jumlah

Asas Yang Diinsuranskan

Kematian akibat kemalangan yang

disebabkan oleh perjalanan dalampengangkutan awam

Tambahan 200% Jumlah

Asas Yang Diinsuranskan

Kematian akibat kemalangan yang

disebabkan oleh bencana alamTambahan 300% Jumlah

Asas Yang Diinsuranskan

Page 28: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Anda boleh memilih untuk menerima atau meninggalkan

GCP dengan kami untuk pengumpulan faedah* atau

melaburkannya semula ke dalam dana berkaitan pelaburan

kami dengan kadar peruntukan 100% untuk pulangan

pelaburan yang berpotensi.

* Kadar faedah tidak terjamin dan tertakluk pada pengisytiharan kami.

Rider ini juga memberi manfaat perlindungan apabila

berlakunya Kematian dan Hilang Upaya Menyeluruh dan

Kekal (HUMK) dengan bayaran manfaat sekali gus, tertakluk

kepada Kategori Hayat yang Diinsuranskan.

Bayaran 5 Tahun untuk

Tempoh Perlindungan 20 Tahun

Bayaran 10 Tahun untuk

Tempoh Perlindungan 30 Tahun

Akhir Tahun

Polisi

Kadar GCP

(% JumlahDiinsuranskan

Rider)

Akhir Tahun

Polisi

Kadar GCP

(% JumlahDiinsuranskan

Rider)

1 hingga 10 12% 1 hingga 10 10%

11 hingga 19 16% 11 hingga 20 20%

20

605%(Manfaat

Kematangan Terjamin)

21 hingga 29 40%

- - 30

700%(Manfaat

Kematangan Terjamin)

Jumlah 869% Jumlah 1,360%

Kategori

Hayat yang

Diinsuranskan

Tahun Polisi

1 hingga 3

Tahun Polisi 4 dan

seterusnya

Hayat

Standard

(S1)

GCP terkumpul (jika ada) tambah• Nilai Tunai Rider;

ATAU• 100% Jumlah Premium Dibayar tolak

Jumlah GCP Dibayarmengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Page 29: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Apakah Saver Plus Enhancer Rider?

SaverPlus EnhancerRidermerupakanriderberbayarpremium

berkala yang membekalkan Manfaat Kematangan Terjamin

secara sekaligus apabila tamat tempoh perlindungan rider:

Selain itu, Bonus Kesetiaan akan dibayar, mengikut Jumlah

Diinsuranskan Rider apabila tamat tempoh perlindungan

rider:

Rider ini juga memberikan faedah perlindungan jika

berlakunya Kematian dan Hilang Upaya Menyeluruh dan

Kekal (HUMK) dengan manfaat sekaligus dibayar, bergantung

pada kategori Hayat yang Diinsuranskan.

Hayat Sub-

standard

(S2)

GCP terkumpul (jika

ada) tambah

• Nilai Tunai Rider;ATAU

• 80% Jumlah Premium Dibayar tolak JumlahGCP Dibayar

mengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

GCP terkumpul (jika

ada) tambah

• Nilai Tunai Rider;ATAU

• 100% Jumlah Premium Dibayar tolak JumlahGCP Dibayar

mengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Hayat Severely

Sub-standard

(S3)

GCP terkumpul (jika ada) tambah• Nilai Tunai Rider

ATAU• 80% Jumlah Premium Dibayar tolak

Jumlah GCP Dibayarmengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Bayaran 5 Tahun untuk

Tempoh Perlindungan 20 Tahun

Bayaran 10 Tahun untuk

Tempoh Perlindungan 30 Tahun

Akhir Tahun

Polisi

Manfaat

Kematangan Terjamin

(% Jumlah Diinsuranskan

Rider)

Akhir Tahun

Polisi

Manfaat

Kematangan Terjamin

(% Jumlah Diinsuranskan

Rider)

20 990% 30 1,800%

Jumlah

Diinsuranskan Rider (RM)

Bonus Kesetiaan(% Jumlah Diinsuranskan Rider)

Bayaran 5 Tahun

untuk Tempoh 20 Tahun

Bayaran 10 Tahun

untuk Tempoh

30 Tahun

40,000 & ke atas 10% 20%

Page 30: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Siapakah yang layak?

Pelan ini ditawarkan kepada sesiapa yang berumur dari 30

hari hingga 70 tahun pada hari jadi yang berikut, tertakluk

kepada pelan yang dipilih dan umur tamat tempoh maksimum

adalah 90 tahun pada hari jadi yang berikut.

Berapa lamakah tempoh perlindungan dan bayaran premium

RHB Essential PrimeLink Plus Premier?

Terdapat 2 pilihan seperti di bawah untuk anda, mengikut

keperluan kewangan unik anda:

Berapakah nilai minimum and maksimum Jumlah Yang

Diinusranskan RHB Essential PrimeLink Plus Premier?

Kategori

Hayat yang

Diinsuranskan

Tahun Polisi

1 hingga 3

Tahun Polisi 4 dan

seterusnya

Hayat

Standard

(S1)

•Nilai Tunai Rider;ATAU

•100% Jumlah Premium Dibayar mengikut

mana-mana yang lebih tinggi, tolak sebarangketerhutangan

Hayat Sub-

standard

(S2)

• Nilai Tunai Rider;ATAU

• 80% Jumlah

Premium Dibayarmengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

• Nilai Tunai Rider;ATAU

• 100% Jumlah

Premium Dibayarmengikut mana-mana yang lebih tinggi, tolak sebarang keterhutangan

Hayat Severely

Sub-standard

(S3)

• Nilai Tunai RiderATAU

• 80% Jumlah Premium Dibayarmengikut mana-mana yang lebih tinggi, tolak

sebarang keterhutangan

Tempoh Bayaran Premium

(tahun)

Tempoh Perlindungan

(tahun)

5 20

10 30

Julat Umur

Kemasukan

Nilai Minimum

JumlahYang

Diinsuranskan (RM)

Nilai Maksimum Jumlah

Yang Diinsuranskan (RM)

30 hari – 60

tahun pada hari jadi berikut

100,000setiap hayat

500,000 setiap hayat

(Hayat standard SAHAJA)

300,000 setiap hayat

(Hayat Substandard DAN

hayat Severely Substandard)

Page 31: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Berapa banyakkah premium yang perlu saya bayar?Amaun premium adalah berbeza-beza mengikut umur

kemasukan, jantina, status merokok, jumlah yang

diinsuranskan dan rider-rider yang dipilih.

Premium perlu dibayar sepanjang tempoh bayaran premium

polisi anda. Anda juga boleh menambah premium anda dari

semasa ke semasa untuk memaksimumkan pelaburan anda,

yang mana 95% akan digunakan untuk membeli unit dalam

dana berkaitan pelaburan.

Bagaimanakah premium asas saya akan dilaburkan?

Kami akan memperuntukkan premium asas yang dibayar

untuk pembelian unit pada kadar peruntukan premium berikut

mengikut pilihan bayaran premium anda:

Tempoh Bayaran Premium 5 tahun

Tempoh Bayaran Premium 10 tahun

Apakah yang boleh saya lakukan jika saya mahu meneruskan

perlindungan insurans selepas kematangan RHB Essential

PrimeLink Plus Premier?

Selepas kematangan RHB Essential PrimeLink Plus Premier,

anda mempunyai peluang untuk membeli polisi hayat baru*

dengan amaun kematian/ HUMK yang bersamaan dengan

amaun RHB Essential PrimeLink Plus Premier anda TANPA

pengunderaitan selanjutnya.

* Tertakluk pada kriteria kelayakan pelan baru yang dipilih.

Adakah premium yang dibayar untuk RHB Essential

PrimeLink Plus Premier layak mendapat pelepasan cukai?

Premium anda layak untuk potongan cukai pendapatan,

tertakluk pada kelulusan Lembaga Hasil Dalam Negeri.

61 tahun– 70 tahun

pada hari jadi berikut

100,000setiap hayat

200,000 setiap hayat

Tahun Polisi 1 2 3 4 5

Kadar Peruntukan Premium (%)

60% 90% 100% 100% 100%

Tahun Polisi 1 2 3 4 56 & ke

atas

Kadar Peruntukan Premium (%)

60% 65% 75% 100% 100% 100%

Page 32: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Apakah fi dan caj yang terlibat?

Apakah pengecualian untuk polisi ini?

Pelan asas ini tidak melindungi:(a) Kematian yang disebabkan oleh bunuh diri dalam tempoh

1 tahun dari Tarikh Dikeluarkan atau Tarikh Pengembalian

Semula polisi, mengikut mana-mana yang lebih kemudian.

(b) Hilang Upaya Menyeluruh dan Kekal disebabkan:• percubaan bunuh diri (sama ada siuman atau tidak

siuman);

• kecederaan yang disengajakan atau kecederaan yang

dialami semasa berada di bawah pengaruh dadah atau

alkohol;

• kecederaan yang dialami semasa melibatkan diri dalam

kelajuanyang berbahaya atau pertandingan ketahanan;

• sebarang aktiviti penerbangan (kecuali sebagai

penumpang yang membayar atau krew kapal terbang

yang dikendalikan oleh Penerbangan Antarabangsa

dan berlesen untuk perkhidmatan penumpang melalui

laluan komersial berjadual tetap);

• pelayaran kapal selam;• perkhidmatan tentera, polis, tentera laut atau

aeronautik;

• perlanggaran undang-undang atau menentang

daripada ditahan;

• sebarang bentuk hilang upaya yang wujud pada Tarikh

Dikeluarkan atau Tarikh Pengembalian Semula polisi,

mengikut mana-mana yang lebih kemudian;

• peperangan yang diisytiharkan atau tidak diisytiharkan,

revolusi, rusuhan dan kekacauan awam, mogok atau

aktiviti pengganas; atau

• keadaan sedia ada yang wujud sebelum Tarikh

Dikeluarkan atau Tarikh Pengembalian Semula polisi,

mengikut mana-mana yang lebih kemudian.

Caj Amaun

Caj Insurans

Bergantung pada umur yang dicapai, jantina,

tabiat merokok, pekerjaan atau keadaankesihatan Hayat yang Diinsuranskan. Caj iniakan ditolak daripada Nilai Dana anda setiapbulan.

Fi PolisiRM 8.50 akan ditolak daripada Nilai Dana anda

setiap bulan.

Caj PengurusanDana

Sehingga 1.5% setahun daripada jumlah asetdana.

Page 33: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

(c) Kematian Akibat Kemalangan disebabkan:• sebarang bentuk gangguan kesihatan atau penyakit

yang disebabkan oleh punca bukan kemalangan;

• percubaan bunuh diri (sama ada siuman atau tidak

siuman);

• kecederaan yang disengajakan atau kecederaan yang

dialami semasa berada di bawah pengaruh dadah atau

alkohol;

• kecederaan yang dialami semasa melibatkan diri dalam

kelajuanyang berbahaya atau pertandingan ketahanan;

• sebarang aktiviti penerbangan (kecuali sebagai

penumpang yang membayar atau krew kapal terbang

yang dikendalikan oleh Penerbangan Antarabangsa

dan berlesen untuk perkhidmatan penumpang melalui

laluan komersial berjadual tetap);

• pelayaran kapal selam;• perkhidmatan tentera, polis, tentera laut atau

aeronautik;

• pelanggaran undang-undang atau menentang daripada

ditahan;

• pemulihan ketenteraman awam atau membuat

penangkapan sebagai pegawai undang-undang;

• peperangan yang diisytiharkan atau tidak diisytiharkan,

revolusi, mogok, aktiviti pengganas atau penyertaan

dalam rusuhan dan kekacauan awam;

• keadaan sedia ada yang wujud sebelum Tarikh

Dikeluarkan atau Tarikh Pengembalian Semula polisi,

mengikut mana-mana yang lebih kemudian;

• hernia, ptomaina atau jangkitan bakteria (kecuali

jangkitan piogenik yang berlaku dengan dan melalui

luka atau kecederaan kemalangan); atau

• racun, gas, wasap (diambil, diberi, diserap atau disedut

secara sukarela atau tidak sukarela, dengan tidak

sengaja atau sebaliknya).

Senarai ini tidak lengkap. Sila rujuk kepada kontrak polisi untuk

senarai pengecualian lengkap.

Bagaimanakah saya boleh membuat tuntutan?

Anda boleh menyerahkan borang tuntutan terus ke cawangan

RHB Bank/ Tokio Marine Life Insurance Malaysia Bhd (“Syarikat”)

terdekat atau membuat tuntutan dalam talian melalui portal

pelanggan https://www.tokiomarinelife.com.my/eServices.

Bukti tuntutan mesti diterima dan diluluskan oleh Syarikat untuk

membolehkan manfaat polisi dibayar terus kepada pihak yang

berkenaan.

Page 34: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Bagaimanakah saya boleh mengikuti prestasi dana?

Harga unit harian dana yang disiarkan boleh didapati di laman

web kami di pautan https://www.tokiomarine.com/my/en/

personal/resources/funds-overview/fund-prices.html.

Siapakah yang boleh saya hubungi jika saya memerlukan

maklumat lanjut?

Jika anda ingin mengetahui maklumat lanjut tentang pelan ini, sila

hubungi Cawangan RHB Bank terdekat anda. Sebagai alternatif,

kami juga boleh dihubungi melalui e-mel di customercare@

tokiomarinelife.com.my.

NOTA-NOTA PENTING1. Risalah ini mengandungi ringkasan ciri-ciri utama produk

ini. Ia tidak membentuk suatu kontrak insurans. Sila rujukkepada dokumen polisi, Ilustrasi Jualan, Risalah FaktaDana dan Risalah Pendedahan Produk untuk butiran-butiran manfaat, pengecualian, terma-terma dan syarat-syarat yang terperinci sebelum anda membuat keputusanuntuk membeli pelan ini.

2. Anda seharusnya berpuas hati bahawa pelan ini sesuaidengan keperluan anda dan anda mampu membayaramaun premium yang perlu dibayar di bawah pelan ini.

3. Membeli insurans nyawa merupakan komitmen jangkapanjang. Jika anda menamatkan polisi pada tahun-tahunawal, amaun yang anda dapat balik akan kurang daripadaamaun yang anda telah bayar.

4. Anda perlu mempertimbangkan bayaran fi dan caj yangdikenakan dengan teliti. Bayaran fi & caj tersebut tidakterjamin dan mungkin berbeza-beza dari semasa kesemasa.

5. Semua fi dan caj adalah tidak terjamin dan kami berhakuntuk menyemak kadar yang dikenakan dengan memberinotis 90 hari awal.

6. Caj insurans anda akan meningkat berdasarkan umuryang dicapai anda, mengikut caj insurans yang dinyatakandalam kontrak polisi anda.

7. Nilai Dana Perlindungan (PFV) dan Nilai Dana Pelaburan(IFV) polisi tidak terjamin dan akan berubah-ubahbergantung kepada prestasi dana berkaitan pelaburan.Risiko pelaburan di bawah pelan ini haruslah ditanggungoleh anda.

Page 35: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Risalah Fakta Dana mengandungi butiran maklumat danaberkaitan pelaburan seperti risiko yang terlibat dalampelaburan dana dan prestasi dana yang lepas berbandingdengan penanda aras. Prestasi dana yang lepas bukanlahpanduan untuk prestasi masa depan.

8. Anda boleh membuat pengeluaran separa dengan menjualunit-unit dalam dana yang dilaburkan, tertakluk pada syaratyang kami tentukan. Jika terdapat sebarang pengeluarandaripada Nilai Dana Perlindungan dalam tempoh 12 bulanyang lalu berkenaan dengan sebarang tuntutan di bawahpelan asas, dan manfaat yang perlu dibayar melebihi NilaiDana Perlindungan (PFV), maka manfaat tersebut yangperlu dibayar akan tertakluk pada klausa pengeluaran.

9. Manfaat HUMK adalah tertakluk pada RM8 jutasetiap hayat untuk semua polisi bagi hayat yang sama.Perlindungan HUMK akan tamat apabila Hayat yangDiinsuranskan mencapai umur 70 tahun (hari jadi berikut).

10. Amaun tambahan maksimum yang perlu dibayar untukKematian Akibat Kemalangan adalah RM 10 juta bagisemua polisi untuk hayat yang sama. Amaun tambahanyang perlu dibayar, apabila berlakunya Kematian AkibatKemalangan, tidak akan perlu dibayar lagi apabila Hayatyang Diinsuranskan telah mencapai umur 70 tahun (harijadi berikut).

11. Income Plus Enhancer Rider dan/ atau Saver PlusEnhancer Rider merupakan rider berbayar premiumyang dipakejkan ke dalam pelan ini sepanjang tempohperlindungan pelan ini. Bayaran premium untuk rider initidak akan diperuntukan dalam dana pelaburan untukpembelian unit.

12. Anda seharusnya memastikan bahawa maklumat pentingmengenai pelan ini didedahkan kepada anda dan andamemahami pendedahan maklumat itu. Jika terdapat apa-apa ambiguiti, anda seharusnya mendapatkan penjelasandaripada kami.

13. Anda mempunyai tempoh 15 hari dari tarikh penghantarandokumen polisi ini untuk mengkaji semula polisi anda.Jika atas apa-apa sebab anda memutuskan untuk tidakmeneruskan polisi ini, anda boleh membatalkan polisianda dengan menyerahkan permintaan bertulis kepadakami dalam tempoh 15 hari itu untuk pembayaran balikamaun berikut, kurang sebarang perbelanjaan perubatanyang ditanggung:

i Sebarang premium yang tidak diperuntukkan;ii. Jumlah Nilai Dana pada tarikh penilaian seterusnya;

daniii. Sebarang caj insurans dan fi yang dipotong.

Page 36: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

PELAN INI ADALAH PRODUK INSURANS YANG BER-KAITAN DENGAN PRESTASI ASET BERKENAAN, DANBUKANNYA PRODUK PELABURAN TULEN SEPERTIUNIT AMANAH

Ditaja jamin oleh:

Tokio Marine Life Insurance Malaysia Bhd.[199801001430 (457556-X)]

Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia

Ground Floor, Menara Tokio Marine Life, 189, Jalan Tun Razak, 50400 Kuala Lumpur. General Line : 603-2059 6188Fax : 603-2162 8068

Customer Care Hotline : 603-2603 3999www.tokiomarine.com

Tokio Marine Life Insurance Malaysia Bhd merupakan ahliPerbadanan Insurans Deposit Malaysia (PIDM). Sebagai ahliPIDM, sebahagian manfaat-manfaat yang ditawarkan olehTokio Marine Life Insurance Malaysia Bhd adalah dilindungioleh PIDM apabila ahli penginsurans mengalami kegagalanmemenuhi tuntutan manfaat insurans yang layak. Untukmaklumat lanjut terhadap had perlindungan dan skop liputan,anda boleh mendapatkan risalah informasi PIDM daripadaTokio Marine Life Insurance Malaysia Bhd atau melayarilaman web PIDM (www.pidm.gov.my) atau menghubungitalian bebas tol PIDM (1-800-88-1266).

Diedarkan oleh:

RHB Bank Berhad 196501000373 (6171-M)

Page 37: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB Essential PrimeLink Plus Premier

Page 38: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to
Page 39: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB Essential PrimeLink Plus Premier

RHB Essential PrimeLink Plus Premier

Page 40: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

TPD

70

PFV

Income Plus Enhancer RiderGCP

300

RM500,000

GCP

Page 41: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

SaverPlus Rider

Loyalty Bonus

x

Tokio Marine

Tokio Marine

Page 42: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB ESSENTIAL PRIMELINK PLUSPREMIER

40

5 20RHB Essential PrimeLink Plus Premier

BSA RM 100,000

Income Plus Enhancer RiderRM 50,000

Saver Plus Enhancer RiderRM 50,000

RM 132,000

RM

Income Plus Enhancer Rider 132,000

Income Plus EnhancerRider Saver Plus Enhancer Rider

797,500

Saver Plus Enhancer Rider

5,000

934,500

低情景2 高情景3

17,896 35,575

952,396 970,075

Page 43: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Johan 48

RM

100,000

300,000

Income Plus Enhancer Rider6 267,000

315,000

982,000

Page 44: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB Essential PrimeLink Plus Premier?

RHB Essential PrimeLink Plus Premier 5 10

TPD

TPD

100%

200%

300%

1 3

• 115%

• 105%

Page 45: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Income Plus Enhancer Rider?

Income Plus Enhancer Rider GCP

5 20 10 30

GCP GCP

1 10 12% 1 to 10 10%

11 19 16% 11 to 20 20%

20605%

21 to 29 40%

- - 30700%

869% 1,360%

RHB Essential PrimeLink Plus Premier ?

(i) Income Plus Enhancer Rider(ii) Saver Plus Enhancer Rider(iii) IL Waiver of Premium on Dread Disease Rider*(iv) iPayor Waiver*

100%

TPD

1 3 4

S1

GCP•

• 100GCP

S2

GCP

• 80

GCP

GCP

• 100

GCP

S3

GCP•

• 80 GCP

Page 46: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Saver Plus Enhancer Rider?

Saver Plus Enhancer Rider

5 20 10 30

40,000 10% 20%

10 30

20 990% 30 1,800%

1 3 4

S1•

• 100

S2

• 80

• 100

S3

• 80

Loyalty Bonus)。

(TPD)

30 7090

Page 47: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB Essential PrimeLink Plus Premier

5 20

10 30

RMRM

30 60 100,000

500,000

300,000

6170

100,000 200,000

RHB Essential PrimeLink Plus Premier

2

我需要缴付多少保费?

95%

5

10

1 2 3 4 56

%60% 65% 75% 100% 100% 100%

1 2 3 4 5

%60% 90% 100% 100% 100%

RHB Essential PrimeLink Plus Premier

RHB Essential PrimeLink Plus Premier/ TPD RHB Essential

PrimeLink Plus Premier

Page 48: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB Essential PrimeLink Plus Premier

RM8.50

1.5%

Page 49: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

RHB TokioMarine Life Insurance Malaysia Bhd

https://www.tokiomarinelife.com.my/eServices TokioMarine Life

https://www.tokiomarine.com/my/en/personal/resources/funds-overview/fund-prices.html

[email protected]

Page 50: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

PFV IFV

12PFV

PFV

TPD8 TPD 70

170

11.Income Plus Enhancer Rider Saver Plus EnhancerRider

Page 51: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

1515

Page 52: LIFE PROTECTION PLAN RHB Essential PrimeLink Plus …...HOW DOES RHB ESSENTIAL PRIMELINKPLUSPREMIERWORK? At age 40 (next birthday), Mr. Johan, a non-smoker, Standard Life wishes to

Tokio Marine Life Insurance Malaysia Bhd.[199801001430 (457556-X)]Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia

Ground Floor, Menara Tokio Marine Life,

189, Jalan Tun Razak, 50400 Kuala Lumpur.General Line : 603-2059 6188Fax : 603-2162 8068Customer Care Hotline : 603-2603 3999www.tokiomarine.com

RHB Bank Berhad 196501000373 (6171-M)

Tokio Marine Life Insurance Malaysia BhdPIDM Tokio

Marine Life Insurance Malaysia BhdPIDM Tokio Marine Life

Insurance Malaysia BhdTokio Marine Life Insurance Malaysia

Bhd PIDM PIDMwww.pidm.gov.my PIDM 1-800-88-

1266


Recommended