WealthAssure

You may have charted numerous goals for your life. A dream house to build a quality lifestyle with your loved ones. A luxury car to cruise in during your leisurely weekends. An extravagant holiday to your destination of desire, with those who truly matter. In addition, you may have certain financial aspirations as well - to build up a solid base for early retirement, save up for your children's education, leave behind a legacy gift to future generations, and so on.

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AmMetLife SecureBuilder

Are you looking for the ideal way to build a substantial lump sum and protect your family at the same time?

With AmMetLife SecureBuilder, you choose how long you want to pay and when you want to receive your maturity payout - all from as little as *RM9 per day. And while your fund is building up, you’ll have the benefit of cover against Death or Total and Permanent Disability (TPD).

*Based on a Male aged 35, Sum Assured RM20,000 (Plan D - 10 years premium payment term and 25 years policy coverage term)

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AmMetLife SecureBuilder Features and Benefits
FEATURES BENEFITS
Flexible Payment Term & Flexible Policy Term 4 plans to choose from; each plan has a different premium term and policy term. Set your goal and aim for it, confident that you’ll have the cash to afford it.
Guaranteed Annual Cash Payments From Year 1 We’ll pay you an increasing level of income based on your Sum Assured. These Guaranteed Annual Cash Payments start at 1% of sum assured from end of policy year 1 to 5, 3% of sum assured from end of policy year 6 to 15, 5 % of sum assured from end of policy year 16 to 25.
Roll-up Option To Increase Your Savings You can choose to leave your Guaranteed Annual Cash Payments in your plan to accumulate with interest - compounded to further increase your final payout.
Attractive Maturity Payout At the end of your chosen term, you will receive a handsome payout comprising 100% of your Sum Assured, plus any accumulated Cash Dividends accumulated with interest, any Terminal Dividends and Guaranteed Annual Cash Payments accumulated with interest. One more good reason for you to celebrate the sunny side of your life!

AmMetLife SecureBuilder Features and Benefits
FEATURES BENEFITS
Family Protection You’ll be covered for Death or Total and Permanent Disability, whichever is earlier. A substantial lump sum paid to your family to help replace the loss of the breadwinner, comprising:
  • The full Sum Assured
  • Cash Dividends accumulated with interest (if any)
  • A Terminal Dividend (if any)
  • Guaranteed Annual Cash Payments accumulated with interest (if any)
  • Outstanding Guaranteed Annual Cash Payments (if any).

How does AmMetLife SecureBuilder work?

Choose how long you want to save and how much you want to receive as your final maturity payout. This will determine how much you need to pay each month and the amount of your Sum Assured (minimum RM20,000). You can choose from the following options for premium payment term and policy coverage term:


Terms(Years)/Plan Plan A Plan B Plan C Plan D
Premium Payment Term 6 6 10 10
Policy Coverage Term 15 20 20 25

The maturity payout is a combination of your Initial Sum Assured plus the Guaranteed Annual Payments accumulated with interest (if any) plus Cash Dividends accumulated with interest (if any) plus Terminal Dividend (if any) which have been made.


Total Maturity Payout - Roll - up Option

If you leave your Guaranteed Annual Cash Payments to accumulate in your Plan, the following table shows the Total Minimum Maturity Payout:


Plan A Plan B Plan C Plan D
Total Minimum Payout (% of Sum Assured) 135% 160% 160% 185%
Additional Payouts
  • Terminal Dividends
  • Accumulated Cash Dividends left in the fund
  • Interest earned from accumulated Guaranteed Annual Cash Payment

In the event of your Death or Total and Permanent Disability at any time during your policy term, we will always pay the Total Minimum Payout plus any Additional Payouts which may apply.


Want to know more about these Guaranteed Annual Cash Payments?

At the end of each policy year, we will pay you a certain percentage of your Sum Assured, as shown in the following table:

Premium Payment Term(Years) Policy Coverage Term(Years) Guaranteed Annual Cash Payment at the end of each policy year
6 15 1% of sum assured from end of policy year 1 to 5, 3% of sum assured from end of policy year 6 to 15
6 or 10 20 1% of sum assured from end of policy year 1 to 5, 3% of sum assured from end of policy year 6 to 15, 5 % of sum assured from end of policy year 16 to 20
10 25 1% of sum assured from end of policy year 1 to 5, 3% of sum assured from end of policy year 6 to 15, 5 % of sum assured from end of policy year 16 to 25

You can choose to receive your Guaranteed Annual Cash Payments as regular income each year, or leave them with AmMetLife to accumulate with interest (the level of interest will be set by us depending on market conditions).

In addition, there are potential Dividends that we will add each year and at the end of the policy coverage term - these are known as Cash Dividends and Terminal Dividends.


What are dividends?

AmMetLife SecureBuilder is an endowment insurance plan which helps you build up a cash value by participating in the profits of AmMetLife's Participating Fund while providing protection. This participation means you benefit from two types of dividend which may be paid out by AmMetLife's Participating Fund.

Cash Dividends

These may be declared annually and will depend on the AmMetLife Participating Fund's investment performance.

Terminal Dividends

A Terminal Dividend is payable upon Death, Total and Permanent Disability, maturity or policy surrender.

These dividends are not guaranteed and depend on AmMetLife Participating Fund's operating and investment performance. When investment performance is strong, a higher bonus is paid but for low investment performance, lower or even no bonus will be paid.

While these Cash and Terminal Dividends are not guaranteed, they are paid in addition to the Guaranteed Annual Cash Payments

AmMetLife SecureGuard Plus

Dreaming of big things in life, both for yourself and your loved ones? Keep your ambitions in life big, as our unique endowment plan comes with a 10-year extended protection without any further premium after 21 years to help you live the dream just the way you have imagined. We know that realising your dreams in life needs an extra push in terms of savings as well as the peace of mind knowing that you remain protected throughout - we are here to help.

AmMetLife SecureGuard Plus helps meet both your long-term savings and protection needs, which makes it an essential financial planning tool to realise your various dreams in life, ranging from financing your children’s education, purchasing a property or car, supplementing your retirement income or just about any ambitious plans that you may have.

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Providing Financial Security & Regular Income
  • A 21-year endowment plan to help you provide necessary funding for important occasions in life
  • Protection throughout the policy tenure against Death/Total & Permanent Disability (TPD) or 36 Critical Illnesses (CI)*
  • Current Sum Assured increases by 100% every 7 years, up to 300% of the Initial Sum Assured, payable in the event of Death/TPD/36 CI*
  • Additional 100% of Initial Sum Assured is payable upon Accidental Death (AD)*

Policy Year Current Sum Assured (as a percentage of Initial Sum Assured)
1 to 7 100%
8 to 14 200%
15 to maturity 300%

*Death/TPD/36 CI & AD, please refer to the product booklet.


  • Receive Guaranteed Cash Payment starting from end of 1st policy year, for 20 years
  • Guaranteed Maturity Benefit is equivalent to 100% of Initial Sum Assured Upon completion of 21 years, you may choose to extend the coverage for 10 years without further premium payments required.
AmMetLife SecureGuard Plus Key information
Eligibility of Life Assured Minimum entry age : 30 days
Maximum entry age : 50 years (age next birthday)
Minimum Sum Assured RM10,000
Premium Payment Frequency/Tenure Frequency options: Yearly, half yearly, quarterly or monthly
Premium payment tenure: 21 years
Optional Extended Protection After Maturity (21 years) Choose to enjoy a 10 - year extended protection once your policy matures (upon completion of 21 years), without paying further premiums.

Three different benefits during extended coverage period

Enjoy the optional extended coverage with AmMetLife SecureGuard Plus which offers you the following value-added advantages:

  1. Added financial security through the 10-year extended protection (beyond the initial 21 years)
  2. Peace of mind and less financial burden knowing that the 10-year extended coverage does not require premium payment
  3. Maximise your savings by accumulating more value, i.e. enjoy accumulated Guaranteed Cash Payments and Cash Dividends (not paid upon maturity at the end of 21st policy year, if any) with interest during the extended coverage period. Further, a lump sum payout of 100% of the Initial Sum Assured and Terminal Dividend (if any) is payable upon the end of the extended coverage term (end of 31st policy year).

AmCapital

AmCapital is a single premium investment-linked policy that provides you with the opportunity to invest and plan for your financial future. It gives you peace of mind to accumulate funds while enjoying life insurance coverage.

  • Select freely from a variety of professionally managed funds to make up your AmCapital investment account.
  • Have the flexibility and control to adjust your investment
  • Withdraw anytime from your investments to celebrate major events in life or to fulfill your financial needs.
  • Make partial withdrawals from this investment account as your regular retirement income.
  • Enjoy insurance coverage for extra comfort.

*This is an insurance product that is tied to the performance of the underlying assets, and are not pure investment products such as unit trusts.

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Benefits * You are given 11 options of funds to choose from:
AmMetLife Equity Fund Mainly invest in a diversified portfolio of equity and equity-related securities
AmMetLife Bond Fund Invest in a portfolio of fixed income securities
AmMetLife Balanced Fund Invest in a balance portfolio consisting of equities, equity related securities and fixed-income securities
AmMetLife Dana Teguh* Invest in a diversified portfolio of Syariah-approved equities, equity related securities and fixed income securities
AmMetLife Dividend Fund Invest primarily in equities and/or equity related securities of companies that offer sustainable dividend payments and attractive yields.

* This investment-linked plan is not a Syariah-compliant product. However, investments of these funds are in Syariah-approved securities.


Benefits * You are given 11 options of funds to choose from:
AmMetLife Tactical Bond Fund Achieve moderate capital appreciation over the medium to long-term horizon through investing mainly in a Target Fund,
AmMetLife Asia Pacific REITS Funds Achieve moderate capital appreciate over the medium to long-term horizon, investing mainly in a Target Fund, where the Target Fund aims to provide regular income and to a lesser extent, capital appreciation by investing in real estate investemnt trusts (REITs).
AmMetLife Oasis Islamic Fund* The Fund seeks to achieve capital appreciation over the medium to long term via investments.
AmMetLife Global Emerging Market Fund The Fund seeks to achieve capital appreciation over the long-term hoirzon through investments.

* This investment-linked plan is not a Syariah-compliant product. However, investments of these funds are in Syariah-approved securities.


Benefits * You are given 11 options of funds to choose from:
AmMetLife Global Agribusiness Fund The Fund seeks to achieve capital appreciation over the long-term horizon through investing mainly in a Target Fund.
AmMetLife Precious Metal Funds* The Fund seeks to achieve capital appreciation over the medium to long-term horizon through investing mainly in a Target Fund.

* This investment-linked plan is not a Syariah-compliant product. However, investments of these funds are in Syariah-approved securities.

Secure Wealth

You have reached a time for new beginnings in life - it could be starting a family, purchasing your first home or boosting your career. Wherever you may be on your life journey, it is crucial to put the right financial foundations in place and now, is an opportune time to invest in a solid strategy for your future. Creating a legacy is lifelong. The sooner you start, the sooner you will reach you goal of leaving the best gist for your loved ones and ensuring they continue enjoying a comfortable lifestyle.

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Benefits of Secure Wealth?

Secure Wealth is a traditional participating Limited Premium Payment Whole Life product. With Secure Wealth, you will enjoy these great benefits:


Flexible premium payment term

5 years, 10 years or 20 years


Guaranteed Cash Payment (GCP)

5-year premium payment term

4% of the initial Sum Assured is payable annually on survival starting from the end of the 5th policy year up to maturity.


10-year premium payment term or 20-year premium payment term

4% of the initial Sum Assured is payable annually on survival starting from the end of the 10th policy year up to maturity.


Benefits on Death/Total & Permanent Disability (TPD)

Protection against death until age 85

Protection against TPD until age 65


Guaranteed Maturity Benefits

160% of the initial sum assured at age 85

WealthSecure Smart

WealthSecure Smart is a non-participating limited premium payment endowment plan that helps you build your wealth while protecting you from the financial hardship of unforeseen events.

It gives you annual Guaranteed Cash Payments for you to use however you need, and offers you greater protection with Additional Accidental Coverage. What’s more, with a premium payment term of only 5 years, you get to enjoy savings and protection for 20 years. And rest assured knowing that upon policy maturity, you will receive guaranteed Maturity Benefit that’s equivalent to your total premium payable based on annual mode of payment#.

#The total premium payable based on annual mode of payment is before premium adjustment and excludes premium for riders, if any.

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Benefits At A Glance


Guaranteed Cash Payment* Receive annual Guaranteed Cash Payments, which are a percentage of your Initial Sum Assured. The percentage you’ll receive is 4% from end of policy year 1 to 5, 5% from end of policy year 6 to 10 and 6% from end of policy year 11 to 20.
Coverage for Death/Total and Permanent Disability Receive increasing coverage up to 400% of your Initial Sum Assured, plus accumulated Guaranteed Cash Payments (if any) in the event of Death or Total and Permanent Disability.
Additional Coverage Receive additional 400% of your Initial Sum Assured in the event that Death or Total and Permanent Disability occurs due to an accident [prior to age 70 (next birthday)].

* Subject to i) The survival of Life Assured to the due date of Guaranteed Cash Payment/Maturity Benefit Payment ii) The Policy is still in force and in effect.

Note: Please refer to policy contract for details on important features of the policy that you have purchased.


Benefits At A Glance


Guaranteed Maturity Benefit* Upon policy maturity, receive guaranteed Maturity Benefit that is equivalent to the total premium payable based on annual mode of payment.#
Limited Premium Payment Term With a premium payment term of only 5 years, you get to enjoy savings and protection for 20 years.
Optional Payor Benefit Rider Enjoy the option to add on this rider, which will waive all future premiums should the Policy Owner pass away or become totally and permanently disabled.

* Subject to i) The survival of Life Assured to the due date of Guaranteed Cash Payment/Maturity Benefit Payment ii) The Policy is still in force and in effect.
# The total premium payable based on annual mode of payment is before premium adjustment and excludes premium for riders, if any.

Note: Please refer to policy contract for details on important features of the policy that you have purchased.

WealthSecure Max

You now have the power to secure your future the hassle-free way with WealthSecure Max.This affordable non-participating plan comes with limited premium. It is an endowment plan with guaranteed cash payment designed. It is specially designed to provide protection and help you save for a brighter future.

What’s more, you have the flexibility to choose the amount you want to save every month as well as the duration of savings and protection in line with your financial goals and budget.

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WealthSecure Max at a Glance

Affordable Monthly Premiums A protection plan everyone can afford from RM150 per month!
Guaranteed Cash Payment Enjoy a regular stream of cash known as Guaranteed Cash Payment. This Guaranteed Cash Payment amount is 6% of the Initial Sum Assured! It is payable every 2 years on the survival of the Life Assured to the due date of such payment, starting from the end of Policy Year 2
Maturity benefit is Total Premium Paid* Receive Total Premium Paid upon the survival of the Life Assured at maturity.
Triple Protection Receive three (3) times of the Initial Sum Assured from Policy Year 5 onwards for death/Total and Permanent Disability (TPD) due to Natural Causes (TPD up to age 65 subject to a maximum benefit of RM2 million per life basis)
Accidental Coverage* Receive six (6) times of the Initial Sum Assured up to age 65 and three (3) times thereafter
Enjoy a longer coverage term with shorter premium payment term

*Any outstanding debt on the Policy at the time of settlement shall be deducted from the proceeds payable under the Policy

AmMetLife Wealth

AmMetLife Wealth is a single premium investment-linked insurance policy that provides you with the opportunity to invest and plan for your financial future. It gives you peace of mind to accumulate funds while enjoying life insurance coverage. You can select freely from a variety of professionally managed funds to make up your AmMetLife Wealth investment account. Furthermore, you have the flexibility and control to adjust your investment and insurance coverage to meet your financial needs at different stages of your life. Make AmMetLife Wealth a part of your financial portfolio today for a brighter and safer future!

*This is an insurance product that is tied to the performance of the underlying assets, and are not pure investment products such as unit trusts.

This is an Bancassurance product.

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What is AmMetLife Wealth? AmMetLife Wealth is a Single Premium Investment-Linked Insurance Policy.

Who is eligible to own AmMetLife Wealth? Life Assured Min. Age - 30 days, Max. Age - 60 years and Policy owner Min. Age - 18 years, Max. Age - 60 years

How do I start? You may start by investing a minimum premium of RM4,000. Maximum premium is RM1 million.

What are my benefits? Upon Death or Total and Permanent Disability (TPD) or Maturity, the amount payable would be the higher of:

  • Sum Assured* which is 125% of the single premium or
  • Current value** of units at unit price

Upon maturity, the current value of unit** at unit price is payable

Death coverage is up to age 85. TPD coverage is up to age 65 and the maximum TPD limit is RM1 million.
* Sum Assured is guaranteed and subject to maximum of RM1.25 million per life
** Unit Value varies as unit pricing is performed on daily basis
Note: Unit Price = Net Asset Value (NAV) per unit.


Other Benefits

  • Protects you while providing the opportunity to build your wealth
  • Choice of investment-linked funds which are professionally managed
  • Flexibility to withdraw partially*, as the need arises
  • Two (2) times free fund switching every year
  • Enjoy annual income tax relief of up to RM6,000 for premium payments on life insurance policy, subject to approval by Inland Revenue Board of Malaysia

* Subject to charges


Benefits * You are given 9 options of funds to choose from:
AmMetLife Equity Fund Mainly invest in a diversified portfolio of equity and equity-related securities
AmMetLife Bond Fund Invest in a portfolio of fixed income securities
AmMetLife Balanced Fund Invest in a balance portfolio consisting of equities, equity related securities and fixed-income securities
AmMetLife Dana Teguh* Invest in a diversified portfolio of Syariah-approved equities, equity related securities and fixed income securities
AmMetLife Dividend Fund Invest primarily in equities and/or equity related securities of companies that offer sustainable dividend payments and attractive yields.

* This investment-linked plan is not a Syariah-compliant product. However, investments of these funds are in Syariah-approved securities.


Benefits * You are given 9 options of funds to choose from [continued]:
AmMetLife Global Agribusiness Fund The Fund seeks to achieve capital appreciation over the long-term horizon through investing mainly in a Target Fund.
AmMetLife Precious Metal Funds* The Fund seeks to achieve capital appreciation over the medium to long-term horizon through investing mainly in a Target Fund.
AmMetLife Oasis Islamic Fund* The Fund seeks to achieve capital appreciation over the medium to long term via investments.
AmMetLife Global Emerging Market Fund The Fund seeks to achieve capital appreciation over the long-term hoirzon through investments.

* This investment-linked plan is not a Syariah-compliant product. However, investments of these funds are in Syariah-approved securities.

Disclaimer: The information, statement and/or descriptions contained herein are strictly meant to be general information for quick reference and illustration purposes only and are not intended to be the complite description of all terms and conditions applicable to any products mentioned herein. Please refer to the Product Disclosure Sheet (PDS) for more information.

For further clarification and information, you may contact our Customer Care Centre at 1300 88 8800.