RAMACHANDRAN

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
MR RAMACHANDRAN
Plan Type
SmartProtect Essential Insurance 2
PRESENTED BY : MANIVANNAN A/L GANESAN (5795225)

DATE PREPARED : 01/10/2010
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: 01/10/2010 (GELSIS-5.20) Prepared by : MANIVANNAN A/L GANESAN
Quotation for : 0281 SmartProtect Essential Insurance 2 Gender : Male
Plan Type : Regular Premium Investment-Linked Insurance Plan Smoker : No
Client Name : MR RAMACHANDRAN Age Next Birthday : 24
Occupation Class :3
Premium Mode : Monthly
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), Term Benefit Amount Annualised Extra Mortality Loading (RM Extra Monthly
if any (Years) (RM) Premium ^ (%) Per 1,000) Premium Premium ^
(RM) (RM) (RM)
Basic Annual Premium # 75 50,000 1,820.40 0% 0.00 0.00 151.70
Unit deduction rider(s)

U30 CIBR 75 30,000 0.00 0% 0.00 0.00 0.00
U66 SM150 56 150 0.00 0% 0.00 0.00 0.00
U72 IL-ADD 46 30,000 0.00 0% 0.00 0.00 0.00
U78 IL-WPP 75 1,800 0.00 0% 0.00 0.00 0.00
Total (RM) 1,820.40 0.00 151.70
^ Please add 5% service tax for premium payable by Business Organisation.
# 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.
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 be not 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.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 2 of 40

Investment Strategy Selected : 21 Dynamic ^
Investment Horizon : 75 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 #

Unit Fund(s) Selected Y% X%
Policy Year 1-20 Policy Year 21-30 Policy Year 1-30
F1 Lion Balanced Fund 8% 5.50% 3%
F4 Lion Fixed Income Fund 7% 5.00% 4%
F5 Lion Progressive Fund 8% 5.50% 3%
F6 Dana Sejati 7% 5.00% 4%
F9 Lion Strategic Fund 8% 5.50% 3%
F17 Lion Enhanced Equity Fund 9% 6.00% 2%
F18 Dana Gemilang 9% 6.00% 2%
Policy Year Unit Fund(s) Selected

From To F1 F4 F5 F6 F9 F17 F18
1 70 20% 80%
71 71 40% 60%
72 72 60% 40%
73 73 70% 30%
74 74 80% 20%
75 75 90% 10%
Policy Year Weighted Projected Gross Investment Return #

From To Y% X%
1 20 8.60 2.40
21 30 5.80 2.40
^Please refer to Important Notes for your investment profile.
#Before deduction for tax and fund management charge

Illustration of Expected Benefits for Basic Plan and Rider(s), if any
Not Guaranteed Rider(s)

End of Age at End Total Premium Projected Investment Return of Fund: Projected Investment Return of Fund: CIBR SM150 IL-ADD IL-WPP
Policy Year of Policy Paid Y%# X%#
Year
Cash Value Death Benefit Cash Value Death Benefit
1 25 1,820.40 86 50,086 84 50,084 30,000 150 30,000 1,800
2 26 3,640.80 179 50,679 169 50,669 30,000 150 31,500 1,800
3 27 5,461.20 881 51,881 840 51,840 30,000 150 33,000 1,800
4 28 7,281.60 1,628 53,128 1,516 53,016 30,000 150 34,500 1,800
5 29 9,102.00 2,572 54,572 2,342 54,342 30,000 150 36,000 1,800
6 30 10,922.40 3,577 56,077 3,173 55,673 30,000 150 37,500 1,800
7 31 12,742.80 4,930 57,930 4,286 57,286 30,000 150 39,000 1,800
8 32 14,563.20 6,371 59,871 5,407 58,907 30,000 150 40,500 1,800
9 33 16,383.60 7,905 61,905 6,536 60,536 30,000 150 42,000 1,800
10 34 18,204.00 9,537 64,037 7,671 62,171 30,000 150 43,500 1,800
11 35 20,024.40 11,272 66,272 8,812 63,812 30,000 150 45,000 1,800
12 36 21,844.80 13,118 68,618 9,961 65,461 30,000 150 45,000 1,800
13 37 23,665.20 15,057 71,057 11,092 67,092 30,000 150 45,000 1,800
14 38 25,485.60 17,113 73,613 12,221 68,721 30,000 150 45,000 1,800
15 39 27,306.00 19,291 76,291 13,348 70,348 30,000 150 45,000 1,800
16 40 29,126.40 21,600 79,100 14,472 71,972 30,000 150 45,000 1,800
17 41 30,946.80 24,038 82,038 15,584 73,584 30,000 150 45,000 1,800
18 42 32,767.20 26,516 85,016 16,587 75,087 30,000 150 45,000 1,800
19 43 34,587.60 29,131 88,131 17,574 76,574 30,000 150 45,000 1,800
20 44 36,408.00 31,890 91,390 18,542 78,042 30,000 150 45,000 1,800
21 45 38,228.40 33,969 93,969 19,489 79,489 30,000 150 45,000 1,800
22 46 40,048.80 36,093 96,593 20,407 80,907 30,000 150 45,000 1,800
23 47 41,869.20 38,166 99,166 21,198 82,198 30,000 150 45,000 1,800
24 48 43,689.60 40,279 101,779 21,954 83,454 30,000 150 45,000 1,800
25 49 45,510.00 42,427 104,427 22,667 84,667 30,000 150 45,000 1,800
26 50 47,330.40 44,610 107,110 23,336 85,836 30,000 150 45,000 1,800
27 51 49,150.80 46,823 109,823 23,953 86,953 30,000 150 45,000 1,800
28 52 50,971.20 48,604 112,104 24,063 87,563 30,000 150 45,000 1,800
29 53 52,791.60 50,389 114,389 24,108 88,108 30,000 150 45,000 1,800
30 54 54,612.00 52,176 116,676 24,084 88,584 30,000 150 45,000 1,800
# Details on Weighted Projected Investment Return of X% and Y% are available in the previous page.
NOTES: -
1. CIBR :Critical Illness Benefit Rider
SM150 :SmartMedic 150
IL-ADD :IL Accidental Death and Dismemberment Benefits Rider
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)

Illustration of Expected Benefits under projected investment return of X% and Y% assumption #
Not Guaranteed
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) = (D)+(E)+(J) (L)
End of Age at Premiums Unallocated Allocated Basic Sum Additional Insurance Charge Policy Fee Fund Management Cash Value Death Benefit Direct
Policy End of Paid 1 Premium Assured Sum Charge
Year Policy Premium Assured Distribution
2
Year Cost
Basic Plan Rider(s) Y% X% Y% X% Y% X%
1 25 1,820.40 1,037.63 782.77 50,000 0 66.96 559.80 72 0 0 86 84 50,086 50,084 637.14
2 26 1,820.40 1,037.63 782.77 50,000 500 66.96 560.16 72 1 1 179 169 50,679 50,669 637.14
3 27 1,820.40 436.90 1,383.50 50,000 1,000 66.96 578.04 72 6 6 881 840 51,881 51,840 455.10
4 28 1,820.40 436.90 1,383.50 50,000 1,500 66.96 579.24 72 15 15 1,628 1,516 53,128 53,016 455.10
5 29 1,820.40 273.06 1,547.34 50,000 2,000 66.96 600.84 72 25 25 2,572 2,342 54,572 54,342 273.06
6 30 1,820.40 273.06 1,547.34 50,000 2,500 66.96 601.92 72 37 35 3,577 3,173 56,077 55,673 273.06
7 31 1,820.40 0.00 1,820.40 50,000 3,000 66.96 603.12 72 52 48 4,930 4,286 57,930 57,286 0.00
8 32 1,820.40 0.00 1,820.40 50,000 3,500 66.96 604.32 72 69 62 6,371 5,407 59,871 58,907 0.00
9 33 1,820.40 0.00 1,820.40 50,000 4,000 66.96 607.08 72 87 77 7,905 6,536 61,905 60,536 0.00
10 34 1,820.40 0.00 1,820.40 50,000 4,500 66.96 610.80 72 106 91 9,537 7,671 64,037 62,171 0.00
11 35 1,820.40 0.00 1,820.40 50,000 5,000 66.96 614.88 72 126 106 11,272 8,812 66,272 63,812 0.00
12 36 1,820.40 0.00 1,820.40 50,000 5,500 66.96 618.00 72 148 120 13,118 9,961 68,618 65,461 0.00
13 37 1,820.40 0.00 1,820.40 50,000 6,000 66.96 646.20 72 171 135 15,057 11,092 71,057 67,092 0.00
14 38 1,820.40 0.00 1,820.40 50,000 6,500 72.48 652.20 72 195 149 17,113 12,221 73,613 68,721 0.00
15 39 1,820.40 0.00 1,820.40 50,000 7,000 77.52 659.88 72 221 164 19,291 13,348 76,291 70,348 0.00
16 40 1,820.40 0.00 1,820.40 50,000 7,500 83.52 667.63 72 248 178 21,600 14,472 79,100 71,972 0.00
17 41 1,820.40 0.00 1,820.40 50,000 8,000 90.48 682.12 72 277 193 24,038 15,584 82,038 73,584 0.00
18 42 1,820.40 0.00 1,820.40 50,000 8,500 99.00 791.93 72 307 206 26,516 16,587 85,016 75,087 0.00
19 43 1,820.40 0.00 1,820.40 50,000 9,000 108.96 806.85 72 338 219 29,131 17,574 88,131 76,574 0.00
20 44 1,820.40 0.00 1,820.40 50,000 9,500 121.44 822.44 72 371 231 31,890 18,542 91,390 78,042 0.00
21 45 1,820.40 0.00 1,820.40 50,000 10,000 136.44 836.96 72 410 244 33,969 19,489 93,969 79,489 0.00
22 46 1,820.40 0.00 1,820.40 50,000 10,500 153.96 857.41 72 436 255 36,093 20,407 96,593 80,907 0.00
23 47 1,820.40 0.00 1,820.40 50,000 11,000 173.04 972.44 72 462 266 38,166 21,198 99,166 82,198 0.00
24 48 1,820.40 0.00 1,820.40 50,000 11,500 194.04 993.87 72 488 276 40,279 21,954 101,779 83,454 0.00
25 49 1,820.40 0.00 1,820.40 50,000 12,000 217.44 1,019.52 72 514 286 42,427 22,667 104,427 84,667 0.00
26 50 1,820.40 0.00 1,820.40 50,000 12,500 242.04 1,045.61 72 541 294 44,610 23,336 107,110 85,836 0.00
27 51 1,820.40 0.00 1,820.40 50,000 13,000 268.44 1,076.50 72 569 303 46,823 23,953 109,823 86,953 0.00
28 52 1,820.40 0.00 1,820.40 50,000 13,500 297.96 1,557.40 72 593 307 48,604 24,063 112,104 87,563 0.00
29 53 1,820.40 0.00 1,820.40 50,000 14,000 330.48 1,590.81 72 615 308 50,389 24,108 114,389 88,108 0.00
30 54 1,820.40 0.00 1,820.40 50,000 14,500 366.48 1,623.30 72 638 308 52,176 24,084 116,676 88,584 0.00
# Details on 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.
NOTES: -
1.The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED.
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)

** 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.

Description of Fund Objectives
F1 Lion Balanced Fund A balanced fund which invests in a mixture of equity and fixed income securities comprising
convertible debt securities, redeemable debt securities, government-backed bonds/securities. The
exposure of fund to equities(between 40% to 60% of the fund) will preserve the long term purchasing
power of assets
F4 Lion Fixed Income Invests in government securities, corporate bonds and money market securities. The fund allocates a
Fund minimum of 40% to a maximum of 95% to fixed income securities. The aim of the fund is to preserve
the capital and it appeals to risk-averse investors
F5 Lion Progressive The fund seeks to maximise capital appreciation over the medium to long term while reducing risk
Fund through a diversified portfolio of investments comprising equities and fixed income securities. In
general, the fund invests in a minimun of 50% and up to a maximum of 90% in equities.
F6 Dana Sejati This fund invests in Islamic fixed income instruments and money market deposits. The fund allocates
a minimum of 40% and a maximum of 95% to Islamic private debt securities. The aim of the fund is to
preserve capital and provide consistent return to risk-averse investors
F9 Lion Strategic Fund This fund seeks to achieve medium to long term capital appreciation while reducing risk through a
diversified portfolio of investments comprising equities, fixed income securities and money market
instruments. The initial equities exposure is targeted in between 55% - 75%. However, there is also a
flexibility to invest entirely in fixed income securities or equities.
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 fund’s 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 fund’s returns. The fund only invests in Shariah-
approved 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 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00
Allocated (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00%
Premium (RM) 782.60 782.60 1,383.20 1,383.20 1,547.00 1,547.00 1,820.00
· 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).

Unit Fund(s) Fund Management Charge (per
annum)
F1 Lion Balanced Fund 1.00%
F4 Lion Fixed Income Fund 0.50%
F5 Lion Progressive Fund 1.35%
F6 Dana Sejati 0.50%
F9 Lion Strategic Fund 1.25%
F17 Lion Enhanced Equity Fund 1.50%
F18 Dana Gemilang 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 Death Benefit.
Under such circumstance, the policy owner has the option of whether to retain the total values of the Unit Fund(s) with the
Company or opt for it to be paid in one lump sum.
· The Basic Sum Assured and Additional Sum Assured will be advanced 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 Assured 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
U30 Critical Illness Benefit Rider (CIBR)

· Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of critical illness. This rider will
accelerate the sum assured of the basic plan.
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 fifth (5th) policy
year starting from the risk effective date provided that no claim has been made during the interval of 5 policy years.
U72 IL Accidental Death and Dismemberment Benefits Rider (IL ADD)

· IL Accidental Death and Dismemberment Benefits Rider is a unit deduction rider that provides coverage in the event of death,
Total and Permanent Disability (TPD) or injury, caused solely and directly from accident.
· It also comes with renewal bonus where the sum assured of this rider will be increased by 5% simple interest every year up to a
maximum of 150% of the sum assured.
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 : MANIVANNAN A/L GANESAN

Date : 01/10/2010

RAMACHANDRAN 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 : 01/10/2010
__________________________________________________________________________________________________________
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 RM50,000. The basic sum assured, additional sum assured plus value of the investment
units (if any) will be payable upon:
· death; or
· TPD before age 70 years next birthday,
whichever occurs first, subject to the terms and conditions.
However, if a valid claim event occurs before age 5 years next birthday, a child lien shall apply.
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: RM151.70 Monthly
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.
· An additional 5% service tax will be added in the premium quoted in question 3 above for premium paid by business
organisation.
5. 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).
8. 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.
9. Where can I get further information?
MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410 Page 11 of 40

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 : (603) 4259 8333
E-mail : [email protected]
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 01/10/2010.

Notes: Please read this Product Disclosure Sheet before you decide to take up Critical Illness Benefit Rider. Be sure to also read the
general terms and conditions.
Name of Product : Critical Illness Benefit Rider
Date : 01/10/2010
__________________________________________________________________________________________________________

Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of critical illness. This rider will accelerate
the sum assured of the basic plan.

The sum assured for this rider is RM30,000. It will be payable upon occurrence of any one of the 36 critical illnesses. Upon claim
of this rider, the sum assured of the basic plan will be reduced accordingly by the sum assured for this rider.
If a valid claim event occurs before age 5 years next birthday, a child lien shall apply.
Duration of cover: 75 year(s) or upon termination, whichever occurs first.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges.

· 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, smoker status and occupation
classification (where applicable) at each policy anniversary. Details of insurance charges are given in the sales illustrations
and/or policy contract.
· Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will
refund you the insurance charges that have been deducted 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.
· 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.
8. 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.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Fax : (603) 4259 8000

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.
MANIVANNAN A/L GANESAN / 5795225 / U30 / V00 / 0110 Page 13 of 40

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 Product : SmartMedic
Date : 01/10/2010
__________________________________________________________________________________________________________

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 fifth (5th) policy
year starting from the risk effective date provided that no claim has been made during the interval of 5 policy years.

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: 56 year(s) or upon termination, whichever occurs first.
Item Insured Benefits SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM)
Hospital Room and Board (R&B)
(Limit per day, subject to a maximum of 180 days per
1 100 150 200 300 400
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 As charged subject to Overall Annual Limit and Overall Lifetime
2
policy year for Insured Benefits (1) and (2) in Limit.
aggregate)
3 Hospital Supplies and Services
4 Surgical Fees
5 Operating Theatre As charged subject to Overall Annual Limit and Overall Lifetime
Limit.
6 Anaesthetist Fees
In Hospital Physician Visit Reimbursement of Reasonable and Customary Charges which is
7
(2 visits per day) consistent with those usually charged to a ward or Room & Board
Pre-Hospitalisation Diagnostic Tests accommodation which is approximate to and within the daily limit of
8
(Within 60 days before hospitalisation) the amount stated in Hospital Room and Board benefit under the
Pre-Hospitalisation Specialist Consultation plan insured.
9
(Within 60 days before hospitalisation)
Subject to 10% co-insurance, up to a maximum of RM500.
Post-Hospitalisation Treatment
10
(Within 90 days after hospital discharge)
20% co-insurance and no maximum capping if upgrade Room &
11 Organ Transplant Board.
12 Ambulance Fees
13 Day Surgery
14 Outpatient Cancer Treatment As charged subject to Overall Annual Limit and Overall Lifetime
Limit.
15 Outpatient Kidney Dialysis Treatment
Subject to 10% co-insurance.
Emergency Accidental Outpatient Treatment
16 2,000 3,000 4,000 6,000 8,000
(Maximum 30 days from the date of accident)
Daily-Cash Allowance at Malaysian Government
17 Hospital 50 per day
(Maximum 120 days per policy year)
Initial Overall Annual Limit for Items (1) to (17)
18 60,000 90,000 120,000 160,000 200,000
(Based on Paid Amount)
19 Increase to the Initial Overall Annual Limit * 6,000 9,000 12,000 16,000 20,000

Overall Lifetime Limit for Items (1) to (17)

20 480,000 720,000 960,000 1,280,000 1,600,000
(Based on Paid Amount)
21 Accidental Death Benefit 10,000 10,000 15,000 20,000 20,000
Supreme Assist
22 In accordance with the benefit provisions in Supreme Assist contract
(Emergency Medical Assistance Services)
In accordance with the benefit provisions in Car Assistance
23 Car Assistance Programme
Programme contract
* Note: Increase to the Initial Overall Annual Limit will be computed at the end of every fifth (5th) policy year starting from the risk
effective date provided that no claim has been made during the previous interval of 5 policy years.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for insurance charges.

· The insurance charges are non-guaranteed and vary by attained age next birthday, gender, smoker status and occupation
classification (where applicable) at each policy anniversary. Details of insurance charges are given in the sales illustration
and/or policy contract.
· 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.
· Waiting period - the eligibility for insured benefits due to illness will only start 30 days after the effective date or reinstatement
date of this rider, whichever is the later. For specified illness, 120 days waiting period applies.
· Co-insurance - 10% co-insurance, where applicable, up to a maximum of RM500. For upgraded Room and Board, 20% co-
insurance and no maximum capping apply.
· Coordination of benefits - the Company will provide compensation on a proportionate basis if you have any other
hospitalisation coverage on reimbursement basis with us 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.

· 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.


manner.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Fax : (603) 4259 8000

IMPORTANT NOTE:
MORE INFORMATION.


Notes: Please read this Product Disclosure Sheet before you decide to take up IL Accidental Death and Dismemberment Benefits
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 Accidental Death and Dismemberment Benefits Rider
Date : 01/10/2010
__________________________________________________________________________________________________________

IL Accidental Death and Dismemberment Benefits Rider is a unit deduction rider that provides coverage in the event of death,
Total and Permanent Disability (“TPD”) or injury, caused solely and directly from accident.
It also comes with renewal bonus where the sum assured of this rider will be increased by 5% simple interest every year up to a
maximum of 150% of the sum assured.

The sum assured for this rider is RM30,000.
The benefits will be payable should any of the following occurs to the life assured which is caused solely and directly from
accident:
(a) death within 90 days of accident – 1 time of the sum assured;
(b) death within 90 days of accident while traveling in a public conveyance (other than a cable car, taxi, hired car or any form of
transport charted for private travel) or electric lift or in consequence of the burning of any theatre or cinema – additional 1 time
of the sum assured;
(c) TPD that have continued for at least 6 consecutive months from the date of disability – 1 time of the sum assured;
(d) permanent disability within 90 days of accidental injury – a percentage* of the sum assured;
(e) death due to accidental cause – compassionate allowance of 5% of the sum assured (subject to maximum RM5,000);
subject to the terms and conditions.
* Subject to the limits specified in the policy contract.


· The insurance charges are non-guaranteed and vary by occupation classification at each policy anniversary. Details of
insurance charges are given in the sales illustrations and/or policy contract.
Note: A discount will be applied on the insurance charges (excluding loadings, if any) of this rider for the first four policy years of
the basic plan to which this rider is attached. This means no discount will be applicable to this rider if it is attached starting from
the 5th policy year of the basic plan.
· Importance of disclosure - you must disclose all material facts such as medical condition, your occupation and personal
pursuits, which would affect your risk profile, number of personal accident policies that you have purchased from other
insurance companies (if applicable).

· Suicide, attempted suicide or self-inflicted injuries, while sane or insane.
· Engaging in aerial flights other than as a crew member or as a fare-paying passenger of a licensed commercial airline
operating on a regular scheduled route.


manner.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Fax : (603) 4259 8000

IMPORTANT NOTE:
YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY.
YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE
COMPANY DIRECTLY FOR MORE INFORMATION.

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 : 01/10/2010
__________________________________________________________________________________________________________

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.

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.


· 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.
· 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.

· 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.


manner.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Fax : (603) 4259 8000

IMPORTANT NOTE:
MORE INFORMATION.

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
MR RAMACHANDRAN
Jenis Pelan
SmartProtect Essential Insurance 2
DISEDIAKAN OLEH : MANIVANNAN A/L GANESAN (5795225)

TARIKH DISEDIAKAN : 01/10/2010

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000
Tarikh: 01/10/2010 (GELSIS-5.20) Disediakan oleh : MANIVANNAN A/L GANESAN
Sebut Harga untuk : 0281 SmartProtect Essential Insurance 2 Jantina : Lelaki
Jenis Pelan : Pelan Insurans Berkait Pelaburan dengan Premium Tetap Merokok : Tidak
Nama Pelanggan : MR RAMACHANDRAN Umur Hari Jadi : 24
Berikut
Kelas Perkerjaan :3
Jenis Premium : Bulanan
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, Tempoh Amaun Premium Mortaliti Beban (RM Premium Premium
jika ada (Tahun) Manfaat (RM) Tahunan ^ Tambahan (%) Bagi Setiap Tambahan Bulanan ^
(RM) 1,000) (RM) (RM)
0281 Premium Tahunan 75 50,000 1,820.40 0% 0.00 0.00 151.70
Asas#
Rider dengan penolakan

unit
U30 CIBR 75 30,000 0.00 0% 0.00 0.00 0.00
U66 SM150 56 150 0.00 0% 0.00 0.00 0.00
U72 IL-ADD 46 30,000 0.00 0% 0.00 0.00 0.00
U78 IL-WPP 75 1,800 0.00 0% 0.00 0.00 0.00
Jumlah (RM) 1,820.40 0.00 151.70
^ Sila tambah 5% cukai perkhidmatan untuk premium yang dibayar oleh Organisasi Perniagaan.
# 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.
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.
Strategi Pelaburan yang Dipilih : 21 Dinamik ^

Tempoh Pelaburan : 75 Tahun
· 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 #

Dana Unit yang Dipilih Y% X%
Tahun Polisi 1-20 Tahun Polisi 21-30 Tahun Polisi 1-30
F1 Dana Lion Balanced 8% 5.50% 3%
F4 Dana Lion Fixed Income 7% 5.00% 4%
F5 Dana Lion Progressive 8% 5.50% 3%
F6 Dana Sejati 7% 5.00% 4%
F9 Dana Lion Strategic 8% 5.50% 3%
F17 Dana Lion Enhanced Equity 9% 6.00% 2%
F18 Dana Gemilang 9% 6.00% 2%
Tahun Polisi Dana Unit yang Dipilih

Dari Hingga F1 F4 F5 F6 F9 F17 F18
1 70 20% 80%
71 71 40% 60%
72 72 60% 40%
73 73 70% 30%
74 74 80% 20%
75 75 90% 10%
Tahun Polisi Unjuran Pulangan Pelaburan Kasar Berwajaran yang digunakan dalam
ilustrasi #
Dari Hingga Y% X%
1 20 8.60 2.40
21 30 5.80 2.40
^Sila rujuk Nota Penting untuk profil pelaburan anda.
#Sebelum potongan untuk cukai dan caj pengurusan dana

Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
Tidak Dijamin RIDER

Akhir Umur pada Jumlah Premium Unjuran Pulangan Dana Unit: Y%# Unjuran Pulangan Dana Unit: X%# CIBR SM150 IL-ADD IL-WPP
Tahun Akhir yang Dibayar
Polisi Tahun
Polisi
Nilai Tunai Manfaat Nilai Tunai Manfaat
Kematian Kematian
1 25 1,820.40 86 50,086 84 50,084 30,000 150 30,000 1,800
2 26 3,640.80 179 50,679 169 50,669 30,000 150 31,500 1,800
3 27 5,461.20 881 51,881 840 51,840 30,000 150 33,000 1,800
4 28 7,281.60 1,628 53,128 1,516 53,016 30,000 150 34,500 1,800
5 29 9,102.00 2,572 54,572 2,342 54,342 30,000 150 36,000 1,800
6 30 10,922.40 3,577 56,077 3,173 55,673 30,000 150 37,500 1,800
7 31 12,742.80 4,930 57,930 4,286 57,286 30,000 150 39,000 1,800
8 32 14,563.20 6,371 59,871 5,407 58,907 30,000 150 40,500 1,800
9 33 16,383.60 7,905 61,905 6,536 60,536 30,000 150 42,000 1,800
10 34 18,204.00 9,537 64,037 7,671 62,171 30,000 150 43,500 1,800
11 35 20,024.40 11,272 66,272 8,812 63,812 30,000 150 45,000 1,800
12 36 21,844.80 13,118 68,618 9,961 65,461 30,000 150 45,000 1,800
13 37 23,665.20 15,057 71,057 11,092 67,092 30,000 150 45,000 1,800
14 38 25,485.60 17,113 73,613 12,221 68,721 30,000 150 45,000 1,800
15 39 27,306.00 19,291 76,291 13,348 70,348 30,000 150 45,000 1,800
16 40 29,126.40 21,600 79,100 14,472 71,972 30,000 150 45,000 1,800
17 41 30,946.80 24,038 82,038 15,584 73,584 30,000 150 45,000 1,800
18 42 32,767.20 26,516 85,016 16,587 75,087 30,000 150 45,000 1,800
19 43 34,587.60 29,131 88,131 17,574 76,574 30,000 150 45,000 1,800
20 44 36,408.00 31,890 91,390 18,542 78,042 30,000 150 45,000 1,800
21 45 38,228.40 33,969 93,969 19,489 79,489 30,000 150 45,000 1,800
22 46 40,048.80 36,093 96,593 20,407 80,907 30,000 150 45,000 1,800
23 47 41,869.20 38,166 99,166 21,198 82,198 30,000 150 45,000 1,800
24 48 43,689.60 40,279 101,779 21,954 83,454 30,000 150 45,000 1,800
25 49 45,510.00 42,427 104,427 22,667 84,667 30,000 150 45,000 1,800
26 50 47,330.40 44,610 107,110 23,336 85,836 30,000 150 45,000 1,800
27 51 49,150.80 46,823 109,823 23,953 86,953 30,000 150 45,000 1,800
28 52 50,971.20 48,604 112,104 24,063 87,563 30,000 150 45,000 1,800
29 53 52,791.60 50,389 114,389 24,108 88,108 30,000 150 45,000 1,800
30 54 54,612.00 52,176 116,676 24,084 88,584 30,000 150 45,000 1,800
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu.
NOTA: -
1. CIBR :Rider Manfaat Penyakit Kritikal
SM150 :SmartMedic 150
IL-ADD :IL Accidental Death and Dismemberment Benefits Rider
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)
Ilustrasi Anggaran Manfaat di bawah andaian unjuran pulangan pelaburan X% dan Y%#
Tidak Dijamin
(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) = (D)+(E)+(J) (L)
Akhir Umur Premium Premium yang Premium yang Jumlah Jumlah Caj Insurans Yuran Caj Pengurusan Dana Nilai Tunai Manfaat Kematian Kos
Tahun pada yang Diperuntukkan Asurans Asurans Polisi
Polisi Akhir Dibayar Tidak Asas Tambahan Pengagihan
1 2
Tahun Diperuntukkan Terus
Polisi
Pelan Asas Rider(s) Y% X% Y% X% Y% X%
1 25 1,820.40 1,037.63 782.77 50,000 0 66.96 559.80 72 0 0 86 84 50,086 50,084 637.14
2 26 1,820.40 1,037.63 782.77 50,000 500 66.96 560.16 72 1 1 179 169 50,679 50,669 637.14
3 27 1,820.40 436.90 1,383.50 50,000 1,000 66.96 578.04 72 6 6 881 840 51,881 51,840 455.10
4 28 1,820.40 436.90 1,383.50 50,000 1,500 66.96 579.24 72 15 15 1,628 1,516 53,128 53,016 455.10
5 29 1,820.40 273.06 1,547.34 50,000 2,000 66.96 600.84 72 25 25 2,572 2,342 54,572 54,342 273.06
6 30 1,820.40 273.06 1,547.34 50,000 2,500 66.96 601.92 72 37 35 3,577 3,173 56,077 55,673 273.06
7 31 1,820.40 0.00 1,820.40 50,000 3,000 66.96 603.12 72 52 48 4,930 4,286 57,930 57,286 0.00
8 32 1,820.40 0.00 1,820.40 50,000 3,500 66.96 604.32 72 69 62 6,371 5,407 59,871 58,907 0.00
9 33 1,820.40 0.00 1,820.40 50,000 4,000 66.96 607.08 72 87 77 7,905 6,536 61,905 60,536 0.00
10 34 1,820.40 0.00 1,820.40 50,000 4,500 66.96 610.80 72 106 91 9,537 7,671 64,037 62,171 0.00
11 35 1,820.40 0.00 1,820.40 50,000 5,000 66.96 614.88 72 126 106 11,272 8,812 66,272 63,812 0.00
12 36 1,820.40 0.00 1,820.40 50,000 5,500 66.96 618.00 72 148 120 13,118 9,961 68,618 65,461 0.00
13 37 1,820.40 0.00 1,820.40 50,000 6,000 66.96 646.20 72 171 135 15,057 11,092 71,057 67,092 0.00
14 38 1,820.40 0.00 1,820.40 50,000 6,500 72.48 652.20 72 195 149 17,113 12,221 73,613 68,721 0.00
15 39 1,820.40 0.00 1,820.40 50,000 7,000 77.52 659.88 72 221 164 19,291 13,348 76,291 70,348 0.00
16 40 1,820.40 0.00 1,820.40 50,000 7,500 83.52 667.63 72 248 178 21,600 14,472 79,100 71,972 0.00
17 41 1,820.40 0.00 1,820.40 50,000 8,000 90.48 682.12 72 277 193 24,038 15,584 82,038 73,584 0.00
18 42 1,820.40 0.00 1,820.40 50,000 8,500 99.00 791.93 72 307 206 26,516 16,587 85,016 75,087 0.00
19 43 1,820.40 0.00 1,820.40 50,000 9,000 108.96 806.85 72 338 219 29,131 17,574 88,131 76,574 0.00
20 44 1,820.40 0.00 1,820.40 50,000 9,500 121.44 822.44 72 371 231 31,890 18,542 91,390 78,042 0.00
21 45 1,820.40 0.00 1,820.40 50,000 10,000 136.44 836.96 72 410 244 33,969 19,489 93,969 79,489 0.00
22 46 1,820.40 0.00 1,820.40 50,000 10,500 153.96 857.41 72 436 255 36,093 20,407 96,593 80,907 0.00
23 47 1,820.40 0.00 1,820.40 50,000 11,000 173.04 972.44 72 462 266 38,166 21,198 99,166 82,198 0.00
24 48 1,820.40 0.00 1,820.40 50,000 11,500 194.04 993.87 72 488 276 40,279 21,954 101,779 83,454 0.00
25 49 1,820.40 0.00 1,820.40 50,000 12,000 217.44 1,019.52 72 514 286 42,427 22,667 104,427 84,667 0.00
26 50 1,820.40 0.00 1,820.40 50,000 12,500 242.04 1,045.61 72 541 294 44,610 23,336 107,110 85,836 0.00
27 51 1,820.40 0.00 1,820.40 50,000 13,000 268.44 1,076.50 72 569 303 46,823 23,953 109,823 86,953 0.00
28 52 1,820.40 0.00 1,820.40 50,000 13,500 297.96 1,557.40 72 593 307 48,604 24,063 112,104 87,563 0.00
29 53 1,820.40 0.00 1,820.40 50,000 14,000 330.48 1,590.81 72 615 308 50,389 24,108 114,389 88,108 0.00
30 54 1,820.40 0.00 1,820.40 50,000 14,500 366.48 1,623.30 72 638 308 52,176 24,084 116,676 88,584 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.
NOTA: -
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)

** 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.

Penerangan Objektif Dana
F1 Dana Lion Balanced Dana seimbang yang melabur dalam campuran ekuiti dan sekuriti pendapatan tetap yang terdiri
daripada sekuriti hutang boleh tukar, sekuriti hutang boleh tebus dan bon/sekuriti yang disokong
kerajaan. Pendedahan dana kepada ekuiti (di antara 40% dan 60% daripada dana) akan
mengekalkan kuasa beli aset jangka panjang.
F4 Dana Lion Fixed Melabur dalam sekuriti kerajaan, bon korporat dan sekuriti pasaran wang. Dana ini memperuntukkan
Income minimum 40% dan maksimum 95% untuk sekuriti pendapatan tetap. Tujuan dana ini adalah untuk
mengekalkan modal dan ia menarik minat para pelabur yang tidak sukakan risiko.
F5 Dana Lion Dana ini bertujuan untuk memaksimumkan kenaikan nilai modal dalam jangka pertengahan hingga
Progressive jangka panjang sekali gus mengurangkan risiko melalui portfolio pelaburan yang pelbagai. Secara
umumnya, dana ini melaburkan minimum 50% dan sehingga maksimum 90% dalam ekuiti.
F6 Dana Sejati Dana Sejati melabur dalam instrumen pendapatan tetap Islam dan deposit pasaran wang. Dana ini
memperuntukkan minimum 40% dan maksimum 95% untuk sekuriti hutang swasta Islam. Dana ini
bertujuan untuk mengekalkan modal dan memberi pulangan konsisten kepada pelabur yang tidak
sukakan risiko.
F9 Dana Lion Strategic Dana ini bertujuan untuk mencapai kenaikan nilai modal daripada jangka pertengahan hingga jangka
panjang sekali gus mengurangkan risiko melalui pelbagai portfolio pelaburan yang terdiri daripada
ekuiti, sekuriti pendapatan tetap dan instrumen pasaran wang. Pendedahan ekuiti awal disasarkan di
antara 55% - 75%. Namun, terdapat kefleksibelan untuk melabur sepenuhnya dalam sekuriti
pendapatan tetap atau ekuiti.
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 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00
Premium yang (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00%
Diperuntukkan (RM) 782.60 782.60 1,383.20 1,383.20 1,547.00 1,547.00 1,820.00
· 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.
Dana Unit Caj Pengurusan Tahunan
F1 Dana Lion Balanced 1.00%
F4 Dana Lion Fixed Income 0.50%
F5 Dana Lion Progressive 1.35%
F6 Dana Sejati 0.50%
F9 Dana Lion Strategic 1.25%
F17 Dana Lion Enhanced Equity 1.50%
F18 Dana Gemilang 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 Manfaat Kematian. Di bawah keadaan demikian, pemilik polisi mempunyai pilihan sama ada ingin mengekalkan
jumlah nilai Dana Unit dengan Syarikat atau memilih untuk menerima bayaran dalam satu jumlah sekali gus.
· Jumlah Asurans Asas dan Jumlah Asurans Tambahan akan didahulukan 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
U30 Critical Illness Benefit Rider (CIBR)

· Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan bagi penyakit kritikal. Rider ini
akan mengurangkan jumlah asurans pelan asas.
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 kelima (ke-5) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa
5 tahun polisi.
U72 IL Accidental Death and Dismemberment Benefits Rider (IL ADD)

· IL Accidental Death and Dismemberment Benefits Rider ialah rider dengan penolakan unit yang menyediakan perlindungan
semasa kematian, Hilang Upaya Total dan Kekal (TPD) atau kecederaan, disebabkan semata-mata dan secara langsung oleh
kemalangan.
· Ia turut didatangkan dengan bonus pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% setiap tahun,
berdasarkan jumlah asurans asal bagi rider sehingga maksimum 150% daripada jumlah asurans.
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 : MANIVANNAN A/L GANESAN

Tarikh : 01/10/2010

RAMACHANDRAN 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 : 01/10/2010
__________________________________________________________________________________________________________
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 RM50,000. Jumlah asurans asas, jumlah asurans tambahan termasuk nilai unit
pelaburan (jika ada) akan dibayar bagi:
· kematian; atau
· TPD sebelum umur 70 tahun hari jadi berikutnya,
mana yang berlaku dahulu, tertakluk kepada terma dan syarat.
Namun, jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
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: RM151.70 Bulanan
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 tambahan sebanyak 5% akan dikenakan bagi premium yang diilustrasikan dalam soalan 3 di atas jika
premium dibayar oleh organisasi perniagaan.
5. 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.
8. 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.
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:

Ibu Pejabat : Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Faks : (603) 4259 8000
E-mel : [email protected]
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 01/10/2010.

Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan Critical Illness Benefit Rider.
Pastikan terma dan syarat am telah dibaca.
Nama Produk : Critical Illness Benefit Rider
Tarikh : 01/10/2010
__________________________________________________________________________________________________________

Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan bagi penyakit kritikal. Rider ini
akan mengurangkan jumlah asurans pelan asas.

Jumlah asurans bagi rider ini ialah RM30,000. Ia akan dibayar apabila salah satu daripada 36 jenis penyakit kritikal berlaku.
Semasa tuntutan di bawah rider ini, jumlah asurans pelan asas akan dikurangkan sewajarnya dengan amaun sama yang dibayar.
Jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Tempoh perlindungan: 75 tahun atau sehingga penamatan, mana yang berlaku dahulu.

Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans.

· Caj insurans ditolak secara bulanan daripada nilai unit anda.
klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.

· Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
akan membayar balik caj insurans yang dikenakan setelah ditolak 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 bagi 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.
· 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.
8. 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.


303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Faks : (603) 4259 8000

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.


Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartMedic. Pastikan terma dan
syarat am telah dibaca.
Nama Produk : SmartMedic
Tarikh : 01/10/2010
__________________________________________________________________________________________________________

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 kelima (ke-5) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 5
tahun polisi.

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: 56 tahun atau sehingga penamatan, mana yang berlaku dahulu.
SM100 SM150 SM200 SM300 SM400

Perkara Manfaat yang Diinsuranskan
(RM) (RM) (RM) (RM) (RM)
Bilik dan Hidangan Hospital (R&B)
(Had sehari, tertakluk kepada maksimum 180 hari
1 100 150 200 300 400
untuk setiap tahun polisi bagi agregat Manfaat yang
Diinsuranskan (1) dan (2))
Unit Rawatan Rapi (ICU)
(Had sehari, tertakluk kepada maksimum 180 hari Seperti caj yang dikenakan, tertakluk kepada Had Tahunan
2
setiap tahun polisi bagi agregat Manfaat yang Keseluruhan dan Had Seumur Hidup Keseluruhan.
Diinsuranskan (1) dan (2))
3 Bekalan dan Khidmat Hospital
4 Bayaran Pembedahan
5 Dewan Bedah
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan
6 Bayaran Pakar Bius Keseluruhan dan Had Seumur Hidup Keseluruhan.
Lawatan Pakar Perubatan Dalam Hospital
7 Pembayaran balik Bayaran Munasabah dan Biasa yang
(2 lawatan sehari)
konsisten dengan bayaran biasa yang dikenakan untuk wad atau
Ujian Diagnosis Sebelum Kemasukan Hospital
Bilik dan Hidangan yang lebih kurang dan dalam lingkungan
8 (Dalam tempoh 60 hari sebelum kemasukan
amaun had harian yang dinyatakan dalam manfaat Bilik dan
hospital)
Hidangan Hospital di bawah pelan yang diinsuranskan.
Rundingan Pakar Sebelum Kemasukan Hospital
9 (Dalam tempoh 60 hari sebelum kemasukan Tertakluk kepada insurans bersama 10%, sehingga maksimum
hospital) RM500.
Rawatan Selepas Kemasukan Hospital
10
(Dalam tempoh 90 hari selepas keluar hospital) Insurans bersama 20% dan tiada had maksimum jika menaik
taraf Bilik dan Hidangan Hospital.
11 Pemindahan Organ
12 Bayaran Ambulans
13 Pembedahan Harian
14 Rawatan Kanser Pesakit Luar Seperti caj yang dikenakan, tertakluk kepada Had Tahunan
Keseluruhan dan Had Seumur Hidup Keseluruhan.
15 Rawatan Dialisis Buah Pinggang Pesakit Luar
Tertakluk kepada insurans bersama 10%.
Rawatan Kemalangan Kecemasan Pesakit Luar
16 2,000 3,000 4,000 6,000 8,000
(Maksimum 30 hari dari tarikh kemalangan)
Elaun Tunai Harian di Hospital Kerajaan Malaysia
17 50 sehari
(Maksimum 120 hari setiap tahun polisi)
Had Tahunan Keseluruhan Permulaan bagi perkara
18 (1) hingga (17) 60,000 90,000 120,000 160,000 200,000
(Berdasarkan Amaun yang Dibayar)
Penambahan kepada Had Tahunan Keseluruhan

19 6,000 9,000 12,000 16,000 20,000
Permulaan *
Had Seumur Hidup Keseluruhan bagi perkara (1)
20 hingga (17) 480,000 720,000 960,000 1,280,000 1,600,000
(Berdasarkan Amaun yang Dibayar)
21 Manfaat Kematian Kemalangan 10,000 10,000 15,000 20,000 20,000
Supreme Assist
22 Menurut peruntukan manfaat dalam kontrak Supreme Assist
(Perkhidmatan Bantuan Kecemasan)
Menurut peruntukan manfaat dalam kontrak Car Assistance
23 Car Assistance Programme
Programme
* Nota: Penambahan kepada Had Tahunan Keseluruhan Permulaan akan dikira pada akhir setiap tahun polisi kelima (ke-5)
bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 5 tahun polisi sebelumnya.


klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.

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
· 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 atau tarikh penguatkuasaan semula rider ini, mana yang kemudian. Bagi penyakit tertentu, tempoh menunggu
selama 120 hari akan digunakan.
· Insurans bersama – 10% insurans bersama akan dikenakan, jika berkenaan, sehingga maksimum RM500. Jika menaik taraf
Bilik dan Hidangan, 20% insurans bersama akan dikenakan dan tiada had maksimum.
· 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.

· 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.



303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Faks : (603) 4259 8000

yang serupa.
NOTA PENTING:

Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Accidental Death and
Dismemberment Benefits Rider. Pastikan terma dan syarat am telah dibaca.
Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (“Syarikat”)
Nama Produk : IL Accidental Death and Dismemberment Benefits Rider
Tarikh : 01/10/2010
__________________________________________________________________________________________________________

IL Accidental Death and Dismemberment Benefits Rider ialah rider dengan penolakan unit yang menyediakan perlindungan
semasa kematian, Hilang Upaya Total dan Kekal (“TPD”) atau kecederaan, disebabkan semata-mata dan secara langsung oleh
kemalangan.
Ia turut didatangkan dengan bonus pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% setiap tahun,
berdasarkan jumlah asurans asal bagi rider sehingga maksimum 150% daripada jumlah asurans.

Jumlah asurans bagi rider ini ialah RM30,000.
Manfaat akan dibayar sekiranya perkara berikut berlaku kepada hayat yang diasuranskan disebabkan semata-mata dan secara
langsung oleh kemalangan:
(a) kematian dalam tempoh 90 hari dari kemalangan – 1 kali jumlah asurans;
(b) kematian dalam tempoh 90 hari dari kemalangan semasa menaiki pengangkutan awam (selain daripada kereta kabel, teksi,
kereta sewa atau sebarang jenis pengangkutan yang disewa bagi perjalanan peribadi) atau lif elektrik atau akibat kebakaran
sebarang teater atau pawagam – 1 kali jumlah asurans tambahan;
(c) TPD yang berterusan bagi sekurang-kurangnya 6 bulan berturut-turut dari tarikh hilang upaya – 1 kali jumlah asurans
tambahan;
(d) hilang upaya kekal dalam tempoh 90 hari dari kecederaan kemalangan – suatu peratusan* daripada jumlah asurans;
(e) kematian akibat kemalangan – elaun ihsan sebanyak 5% daripada jumlah asurans (tertakluk kepada maksimum RM5,000);
tertakluk kepada terma dan syarat.
* Tertakluk kepada had yang dinyatakan dalam kontrak polisi.
Tempoh perlindungan: 46 tahun atau semasa penamatan, mana yang berlaku dahulu.


· Caj insurans adalah tidak dijamin dan berbeza mengikut klasifikasi pekerjaan pada setiap ulang tahun polisi. Huraian caj
insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
Nota: Diskaun akan dikenakan ke atas caj insurans (tidak termasuk premium tambahan, jika ada) rider ini bagi empat tahun polisi
pertama pelan asas yang dilampirkan dengan rider ini. Diskaun tidak dikenakan bagi rider ini jika ia dilampirkan bermula dari
tahun polisi ke-5 pelan asas.

· 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, jumlah polisi
kemalangan diri yang anda beli daripada syarikat insurans yang lain (jika berkenaan).
· Tempoh memerhati bebas – anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
· Polisi luput – Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.

· Bunuh diri, percubaan membunuh diri atau kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
· Daripada penglibatan dalam pesawat udara selain daripada anak kapal atau sebagai penumpang yang membayar tambang
dalam syarikat penerbangan komersil berlesen yang beroperasi pada laluan berjadual yang biasa.



303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Faks : (603) 4259 8000

yang serupa.
NOTA PENTING:
ANDA DINASIHATKAN SUPAYA MEMBERI PERHATIAN TERHADAP SKALA MANFAAT BAGI KEMATIAN DAN HILANG UPAYA
DALAM POLISI INSURANS ANDA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA
BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.

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 : 01/10/2010
__________________________________________________________________________________________________________

IL Waiver of Premium Plus Rider ialah rider dengan penolakan unit yang mengenepikan premium semasa Hilang Upaya Total
dan Kekal (“TPD”) atau penyakit kritikal.

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: 75 tahun atau semasa penamatan, mana yang berlaku dahulu.


· 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.

· Kepentingan untuk membuat pendedahan – anda hendaklah mendedahkan semua fakta yang material seperti keadaan
· Tempoh memerhati bebas – anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
· 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.

· 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.



303 Jalan Ampang,
50450 Kuala Lumpur
Tel : (603) 4259 8888
Faks : (603) 4259 8000

yang serupa.
NOTA PENTING:

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

SmartProtect Essential Insurance 2

PRESENTED BY : MANIVANNAN A/L GANESAN (5795225)

Unit deduction rider(s)

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 2 of 40

Projected Gross Investment Return #

Policy Year Unit Fund(s) Selected

Policy Year Weighted Projected Gross Investment Return #

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 3 of 40

Not Guaranteed Rider(s)

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 4 of 40

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 6 of 40

PROJECTED INVESTMENT RATE OF RETURN

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 7 of 40

BASIC SUM ASSURED

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 8 of 40

TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT

U30 Critical Illness Benefit Rider (CIBR)

U66 SmartMedic (SM150)

U72 IL Accidental Death and Dismemberment Benefits Rider (IL ADD)

U78 IL Waiver of Premium Plus Rider (IL WPP)

Prepared by : MANIVANNAN A/L GANESAN

MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20) Page 10 of 40

1. What is this product about?

2. What are the covers / benefits provided?

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this plan?

7. Can I cancel my plan?

8. What do I need to do if there are changes to my / my nominee(s) contact details?

9. Where can I get further information?

MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410 Page 11 of 40

If you have any enquiries, please contact us at:

10. Other similar types of cover available

The information provided in this disclosure sheet is valid as at 01/10/2010.

MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410 Page 12 of 40

1. What is this product about?

2. What are the covers / benefits provided?

Duration of cover: 75 year(s) or upon termination, whichever occurs first.

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this rider?

7. Can I cancel my rider?

8. What do I need to do if there are changes to my contact details?

9. Where can I get further information?

If you have any enquiries, please contact us at:

10. Other similar types of cover available

The information provided in this disclosure sheet is valid as at 01/10/2010.

MANIVANNAN A/L GANESAN / 5795225 / U30 / V00 / 0110 Page 13 of 40

1. What is this product about?

2. What are the covers / benefits provided?

The rider that you purchased is: SM150

MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310 Page 14 of 40

Overall Lifetime Limit for Items (1) to (17)

3. How much premium do I have to pay?

4. What are the fees and charges that I have to pay?

6. What are the major exclusions under this rider?

7. Can I cancel my rider?

8. What do I need to do if there are changes to my contact details?