Customers:
Generali General Insurance
Generali Direct
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Generali Life Insurance
MyGenerali
Agents:
Omni AG
Wealth Creator Premier offers both financial protection and wealth growth, giving you security while your money works for you. With high coverage for life’s uncertainties, your assets, business and loved ones will always be financially secured. Plus, exclusive bonuses and guaranteed renewability ensure your wealth keeps growing, helping you build a legacy.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
Multiple premium term options of 5, 10, 15 or 20 years or until end of coverage term, and coverage term of 20, 30 years, up to age 70 or 80 to suit your legacy planning.
In the event of Death or TPD (before age 70), we shall pay you the higher of: a. Basic Sum Insured less withdrawals, or b. Account Value (if any) 100% of the death benefit will be payable if you are diagnosed with terminal illness.
Upon maturity of the policy, we shall pay you the higher of: a. Basic Sum Insured less withdrawals, or b. Account Value (if any).
If Death or TPD due to accidental causes occurs before age 70, we shall pay you the following in addition to the Death or TPD benefit respectively:
If Accidental Death and TPD, 100% of sum insured will be payable.
If Accidental Death in or on Public Conveyance of Land Transportation, 200% of sum insured will be payable.
If Accidental Death in or on Public Conveyance of Water or Air Transportation, 300% of sum insured will be payable.
If Accidental Death in or on Public Conveyance during Public Holiday, 400% of sum insured will be payable.
At the end of coverage term, your policy will be automatically renewed without evidence of insurability up to age 100.
Multiple premium term options of 5, 10, 15 or 20 years or until end of coverage term, and coverage term of 20, 30 years, up to age 70 or 80 to suit your legacy planning.
In the event of Death or TPD (before age 70), we shall pay you the higher of: a. Basic Sum Insured less withdrawals, or b. Account Value (if any) 100% of the death benefit will be payable if you are diagnosed with terminal illness.
Upon maturity of the policy, we shall pay you the higher of: a. Basic Sum Insured less withdrawals, or b. Account Value (if any).
Multiple premium term options of 5, 10, 15 or 20 years or until end of coverage term, and coverage term of 20, 30 years, up to age 70 or 80 to suit your legacy planning.
In the event of Death or TPD (before age 70), we shall pay you the higher of: a. Basic Sum Insured less withdrawals, or b. Account Value (if any) 100% of the death benefit will be payable if you are diagnosed with terminal illness.
Choose a pay-out amount starting from RM25,000 to RM500,000.
Just answer 4 simple questions. No medical examinations required!
Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited to your account value.
Every 15th policy anniversary, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
At the end of initial coverage term, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
With sum insured of RM 1,000,000 and above, subject to no claim made on your basic plan, you will enjoy 5% discount on insurance charge.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your Account Value (if any).
Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited to your account value.
On 20th policy anniversary, an additional 20% of the average monthly account value over the last 10 years will be credited to your account value.
Your policy is guaranteed to be renewed up to age 100 at your option and without underwriting.
Every 2 policy years starting from the end of the 6th policy anniversary onwards, an additional 0.38% of the average monthly account value over the last 2 years will be credited to your account value.
An additional percentage of the average monthly account value over the last 10 years prior to the payment of Special Booster will be credited to your account value at the end of every 10th policy anniversary.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your account value (inclusive of Loyalty Bonus (if any) and Special Booster (if any)).
Multiple premium term options of 2 or 4 years, and coverage term of 15, 20 and 30 years, to suit your financial goals planning.
Start and end your financial commitment early so that you can enjoy life now! Aspire Invest requires 5 years premium payment term only and you can harvest your investment returns after 15, 20 or 30 years.
Protect you and your family against any unforeseen circumstances that might happen to you such as death or TPD before age 70.
In the event of an accident that causes death or TPD before age 70, we will pay an additional 100% of the total premium paid, and subject to RM 2,000,000 per life.
Receive additional non-guaranteed cash dividends that is projected to be payable from the end of the 2nd policy year.
Enjoy the flexibility to invest your guaranteed annual income and non-guaranteed cash dividends into our professionally managed investment funds to enhance your returns.
Receive lump sum payment of basic sum insured, non-guaranteed terminal dividend (if any), accumulated annual income (if any) and accumulated non-guaranteed cash dividends (if any) at maturity.
Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.
Upon maturity, you will receive the lump sum payment of basic sum insured as well as non-guaranteed terminal dividend, accumulated cash endowment, and accumulated non-guaranteed cash dividends (if any).
You can enhance your protection by combining PaySaver+ with Payor Benefit Add-ons, Waiver of Premium Add-ons or Spouse Payor Benefit Add-ons to enhance your protection. While additional premiums are required for supplementary protection, your premiums will be waived should an unexpected event happen to you.
1. Death due to suicide within twelve (12) months from the Issue Date or any date of reinstatement, whichever is later.
2. TPD resulting from:
• any self-inflicted injury or suicide, while sane or insane; or
• service in the armed forces in time of declared or undeclared war or while under orders of warlike operations or making an arrest as an officer of the law; or
• any pre-existing or recurring, injury, disease, illness or disablement which the Insured suffered prior to Issue Date or date of reinstatement of this Policy, whichever is later; or
• participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest; or
• participation in any airborne activities other than as a fare-paying passenger on a public licensed air service; or
• the attempt or commission of assault or any unlawful act by the Insured; or
• while under the influence of alcohol, any narcotics, drugs or substance abuse.
For the full list of exclusions, kindly refer to the product brochure, available for download below.
Your age is 71 and above.
