ProtectSecure

About ProtectSecure

ProtectSecure is a Regular Premium Investment-Linked Plan (ILP) which offers a combination of insurance protection and investment. This plan provides death, Total and Permanent Disability (TPD) and Critical Illness (CI) coverage, subject to its terms and conditions.

This Investment-Linked Plan does not participate in the profits of AmMetLife Insurance Berhad and is not a Shariah-compliant insurance product.

Key Benefits

Coverage for Death & Total and Permanent Disability (TPD)

100% of Basic Sum Assured and the Account Value will be payable upon death or TPD. Upon death of the Life Assured or on the disability commencement date of the approved TPD claim, the policy will terminate and have no further value. Any outstanding debt on the policy at the time of settlement shall be deducted from the proceeds payable under the policy.

Coverage for 39 Critical Illnesses

100% of Basic Sum Assured will be payable in one lump sum upon the Life Assured being diagnosed with any one of the covered Critical Illnesses of the policy except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease, subject to the survival period of 30 days

6 Years No Lapse Guarantee

The policy will not lapse within the first six (6) policy years from the effective date if the Account Value is less than or equal to zero (0) on the due date of the monthly policy fee and insurance charge provided that premium are paid, no withdrawals are made, no alterations reduce Account Value.

Coverage Term Options Available

There will be 3 coverage term options for you to choose. Premium payment term will be equal to coverage term.

Attachable Riders

You may enhance your protection with additional coverage that is available to strengthen your financial safety net by choosing any of the riders below:

Critical Illness39 Rider
Comprehensive Accident Indemnity Benefit
Deferred Disability Income
Dread Disease Waiver of Premium
Hospitalisation Benefit
Multi Critical Illness Shield
Payor Benefit Rider
Payor Comprehensive WOP

Member of PIDM

Protection by PIDM on benefits payable from the unit portion of this policy is subject to limitations. Please refer to PIDM’s TIPS Brochure or contact AmMetLife Insurance Berhad or PIDM (visit www.pidm.gov.my).