Sun Life Malaysia Bijak Malaysia Plus

Plus

V.2

Be wise & be preparedLife is precious. What can be a better gift than living life to the fullest? But what looks like a perfect life today may not remain that way forever. However, by having a comprehensive insurance coverage as a financial safety net in times of need, you will have better control in life.

Sun Life Malaysia Bijak Malaysia Plus - Your smart choice

Sun Life Malaysia Bijak Malaysia Plus is a non-participating whole life plan that is designed to meet your changing needs at different life stages. This affordable plan offers high protection during your productive/working years. It provides guaranteed triennial cash payments from policy year 1 up to age 60. After attaining a normal retirement age of 60, premium payment shall cease but you will continue to enjoy protection. Best of all, you will receive guaranteed yearly cash payments until age 88!

The unique featuresWhile many whole life plans out there are each claiming to be superior than the other, Sun Life Malaysia Bijak Malaysia Plus certainly stands out from the rest.

Whole life superior protection coverage

Affordable premiums

Extra protection coverage during productive/working years

Guaranteed cash payments @ 5% of sum assured: - Policy year 1 up to age 60: Guaranteed triennial

cash payments - Age 61 up to age 88: Guaranteed yearly cash payments

Guaranteed maturity benefit (full sum assured is payable)

Pre-packaged, easy enrolment & hassle-free (only requires a simple health declaration to get started)

Initiated by the National Insurance Association of Malaysia (NIAM)

A bancassurance product with extensive distribution network, for your added convenience

Benefits at a glanceProtection benefit3

% of sum assured

Death benefitsTotal & permanent

disability(TPD) benefits1

Natural causes

Accidental causes

Natural causes

Accidental causes

First 2 policy years

25%2 500% 25%2 200%

Policy year 3 up to age 60

200% 500% 200% 200%

From age 61 to 65

100% 250% 100% 100%

Thereafter up to age 88

100% 100% Nil Nil

Survival benefit

Triennial cashpayments

5% of sum assuredpayable every three years up to age 60

Yearly cash payments

5% of sum assuredpayable every year (from age 61 up to age 88)

Maturity benefit

100% of sum assured benefit payout at age 88

1 Coverage for TPD ceases at age 65.2 Lien is applicable only for deaths and TPD due to natural causes during the initial

2 years of the policy inception, due to underwriting constraints.3 Benefit payable will be the sum assured as per table; or total premium paid less

total guaranteed cash payment paid up to the date of event, whichever is higher.

In addition, this plan provides a guaranteed cash payment amounting to 5% of the sum assured which becomes payable every 3 years from the date of policy inception up to age 60. Thereafter, a guaranteed cash payment amounting to 5% of the sum assured will be paid yearly for you to enjoy your golden years until age 88.

Upon attaining age 88, you will receive a maturity benefit amounting to 100% of the sum assured.

CommissionAs Sun Life Malaysia Bijak Malaysia Plus leverages on being a bancassurance product, the premiums and commissions payable are amongst the lowest in the industry. The table below illustrates the commissions borne by customers, which are paid from their annualised premiums.

The below illustrates the life assured aged 25 years old, with 63-year policy term and annual premium of RM1,440.

Policy yearProportion of

premium deduction for commission

Actual amount (RM)

1 20% 288

2 5% 72

3 5% 72

4 5% 72

5 5% 72

6 5% 72

7 5% 72

8 5% 72

9 5% 72

10 5% 72

Production bonus and persistency bonus during the first 3 years of the policy are payable and borne by policy owner.

EASY ENROLMENT A simple health declaration form is all that is needed to get started!

LIMITED PREMIUM PAYMENT to enjoy a whole life of protection!

Enjoy ADDED PROTECTION throughout your productive years!

Enjoy YEARLY CASH PAYMENTS after retirement.

The following tables offer a sample list of the sum assured and corresponding guaranteed cash payments:

Sum assuredEntry age

(Male)Monthly premium (RM)

120 240 360 6000 37,800 79,500 121,200 204,5001 37,600 79,000 120,400 203,3002 37,300 78,400 119,600 201,8003 37,000 77,900 118,700 200,4004 36,800 77,300 117,900 198,9005 36,500 76,700 116,900 197,3006 36,200 76,100 115,900 195,7007 35,900 75,400 115,000 194,1008 35,500 74,700 113,800 192,1009 35,200 73,900 112,700 190,20010 34,900 73,300 111,700 188,60011 34,500 72,600 110,600 186,70012 34,100 71,700 109,200 184,40013 33,700 70,800 107,900 182,20014 33,300 69,900 106,500 179,80015 32,800 68,900 105,000 177,30016 32,300 67,900 103,600 174,80017 31,800 66,900 102,000 172,20018 31,300 65,900 100,400 169,50019 30,900 64,900 98,900 166,90020 30,400 63,800 97,300 164,20021 29,800 62,800 95,700 161,50022 29,400 61,800 94,200 159,00023 28,900 60,700 92,500 156,20024 28,300 59,500 90,800 153,30025 27,800 58,400 89,000 150,30026 27,100 57,100 87,000 146,90027 26,400 55,700 84,800 143,30028 25,800 54,200 82,700 139,70029 25,000 52,700 80,400 135,80030 24,200 51,100 77,900 131,70031 23,500 49,500 75,500 127,50032 22,600 47,700 72,900 123,10033 21,700 45,900 70,100 118,60034 20,900 44,200 67,500 114,10035 20,000 42,400 64,700 109,40036 19,700 41,700 63,700 107,60037 18,900 40,100 61,200 103,50038 18,100 38,500 58,700 99,10039 17,500 37,300 56,900 95,90040 16,500 35,300 53,900 90,90041 15,600 33,500 51,100 86,30042 15,200 32,700 49,900 84,30043 14,500 31,100 47,400 80,10044 13,600 29,200 44,800 75,90045 13,100 28,100 43,100 73,10046 12,200 26,200 40,200 68,20047 11,300 24,400 37,500 63,60048 10,600 23,000 35,400 60,00049 9,700 20,900 32,200 54,70050 8,800 19,100 29,400 50,000

Entry age (Female)

Monthly premium (RM)

120 240 360 6000 38,200 80,300 122,500 206,8001 38,000 79,900 121,800 205,6002 37,700 79,400 121,000 204,3003 37,500 78,800 120,200 202,9004 37,200 78,300 119,400 201,5005 36,900 77,700 118,500 200,0006 36,700 77,100 117,600 198,4007 36,400 76,500 116,700 196,9008 36,000 75,800 115,500 195,0009 35,700 75,200 114,600 193,400

10 35,400 74,400 113,400 191,50011 35,000 73,700 112,300 189,60012 34,700 72,900 111,200 187,70013 34,300 72,200 110,100 185,80014 34,000 71,500 109,000 184,00015 33,500 70,500 107,500 181,40016 33,100 69,600 106,100 179,10017 32,600 68,600 104,600 176,50018 32,100 67,500 103,000 173,80019 31,600 66,500 101,400 171,20020 31,100 65,400 99,700 168,40021 30,500 64,300 98,000 165,50022 30,100 63,200 96,400 162,70023 29,500 62,100 94,700 159,80024 29,000 60,900 92,900 156,90025 28,400 59,900 91,300 154,10026 27,800 58,600 89,400 151,00027 27,200 57,300 87,400 147,60028 26,600 56,000 85,400 144,30029 25,900 54,600 83,200 140,60030 25,100 53,000 80,800 136,60031 24,300 51,400 78,500 132,70032 23,500 49,700 76,000 128,40033 22,600 48,000 73,300 123,90034 21,800 46,200 70,600 119,40035 20,900 44,300 67,800 114,60036 20,700 44,200 67,400 114,10037 19,700 42,000 64,300 108,80038 18,600 39,700 60,700 102,60039 18,200 38,900 59,500 100,70040 17,000 36,500 55,800 94,50041 16,200 34,900 53,400 90,50042 15,800 34,100 52,200 88,40043 14,700 31,900 48,900 82,80044 13,900 29,900 45,900 77,90045 13,400 28,900 44,400 75,30046 12,400 26,800 41,200 69,90047 11,500 25,000 38,500 65,30048 10,800 23,600 36,400 61,70049 9,700 21,300 32,900 55,90050 8,700 19,100 29,500 50,300

Guaranteed cash payments (per payment)Entry age

(Male)Monthly premium (RM)

120 240 360 6000 1,890 3,975 6,060 10,2251 1,880 3,950 6,020 10,1652 1,865 3,920 5,980 10,0903 1,850 3,895 5,935 10,0204 1,840 3,865 5,895 9,9455 1,825 3,835 5,845 9,8656 1,810 3,805 5,795 9,7857 1,795 3,770 5,750 9,7058 1,775 3,735 5,690 9,6059 1,760 3,695 5,635 9,510

10 1,745 3,665 5,585 9,43011 1,725 3,630 5,530 9,33512 1,705 3,585 5,460 9,22013 1,685 3,540 5,395 9,11014 1,665 3,495 5,325 8,99015 1,640 3,445 5,250 8,86516 1,615 3,395 5,180 8,74017 1,590 3,345 5,100 8,61018 1,565 3,295 5,020 8,47519 1,545 3,245 4,945 8,34520 1,520 3,190 4,865 8,21021 1,490 3,140 4,785 8,07522 1,470 3,090 4,710 7,95023 1,445 3,035 4,625 7,81024 1,415 2,975 4,540 7,66525 1,390 2,920 4,450 7,51526 1,355 2,855 4,350 7,34527 1,320 2,785 4,240 7,16528 1,290 2,710 4,135 6,98529 1,250 2,635 4,020 6,79030 1,210 2,555 3,895 6,58531 1,175 2,475 3,775 6,37532 1,130 2,385 3,645 6,15533 1,085 2,295 3,505 5,93034 1,045 2,210 3,375 5,70535 1,000 2,120 3,235 5,47036 985 2,085 3,185 5,38037 945 2,005 3,060 5,17538 905 1,925 2,935 4,95539 875 1,865 2,845 4,79540 825 1,765 2,695 4,54541 780 1,675 2,555 4,31542 760 1,635 2,495 4,21543 725 1,555 2,370 4,00544 680 1,460 2,240 3,79545 655 1,405 2,155 3,65546 610 1,310 2,010 3,41047 565 1,220 1,875 3,18048 530 1,150 1,770 3,00049 485 1,045 1,610 2,73550 440 955 1,470 2,500

Sum assured

Entry age (Female)

Monthly premium (RM)

120 240 360 6000 1,910 4,015 6,125 10,3401 1,900 3,995 6,090 10,2802 1,885 3,970 6,050 10,2153 1,875 3,940 6,010 10,1454 1,860 3,915 5,970 10,0755 1,845 3,885 5,925 10,0006 1,835 3,855 5,880 9,9207 1,820 3,825 5,835 9,8458 1,800 3,790 5,775 9,7509 1,785 3,760 5,730 9,670

10 1,770 3,720 5,670 9,57511 1,750 3,685 5,615 9,48012 1,735 3,645 5,560 9,38513 1,715 3,610 5,505 9,29014 1,700 3,575 5,450 9,20015 1,675 3,525 5,375 9,07016 1,655 3,480 5,305 8,95517 1,630 3,430 5,230 8,82518 1,605 3,375 5,150 8,69019 1,580 3,325 5,070 8,56020 1,555 3,270 4,985 8,42021 1,525 3,215 4,900 8,27522 1,505 3,160 4,820 8,13523 1,475 3,105 4,735 7,99024 1,450 3,045 4,645 7,84525 1,420 2,995 4,565 7,70526 1,390 2,930 4,470 7,55027 1,360 2,865 4,370 7,38028 1,330 2,800 4,270 7,21529 1,295 2,730 4,160 7,03030 1,255 2,650 4,040 6,83031 1,215 2,570 3,925 6,63532 1,175 2,485 3,800 6,42033 1,130 2,400 3,665 6,19534 1,090 2,310 3,530 5,97035 1,045 2,215 3,390 5,73036 1,035 2,210 3,370 5,70537 985 2,100 3,215 5,44038 930 1,985 3,035 5,13039 910 1,945 2,975 5,03540 850 1,825 2,790 4,72541 810 1,745 2,670 4,52542 790 1,705 2,610 4,42043 735 1,595 2,445 4,14044 695 1,495 2,295 3,89545 670 1,445 2,220 3,76546 620 1,340 2,060 3,49547 575 1,250 1,925 3,26548 540 1,180 1,820 3,08549 485 1,065 1,645 2,79550 435 955 1,475 2,515

Guaranteed cash payments (per payment) Exclusions

(Note: This list is non-exhaustive. Please refer to the policy documents for further information on exclusions)

Benefits Exclusions

Death benefit

Death benefit shall not be payable if the life assured commits suicide (while sane or insane) within 12 months from the policy issue date or any later reinstatement date. In this case, the policy will be terminated and the total premiums paid will be refunded without interest.

Accidental death

benefit

No additional accidental death benefit shall be paid if it is caused directly or indirectly, wholly or partly, or by any one of the following occurrences:

i) Assault, murder, war, brawl

ii) Self destruction while sane or insane

iii) Military service in time of war or warlike operation

iv) Making an arrest of an officer of the law

v) Racing on horse or wheels or scuba diving

vi) Misuse of drugs or alcohol

vii) Ptomaines or bacterial infection or poison or gas

viii) Air travel other than commercial flights

TPD benefit

No TPD benefit shall be payable if the total and permanent disability of the life assured resulted from the following:

i) Self destruction while sane or insane

ii) Air travel other than commercial flights

iii) Declared or undeclared war

iv) Opportunistic infection or a malignant neoplasm

Tax reliefThis policy may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board Malaysia.

Important notes1. This is a product brochure and is not a policy document. Please refer

to the product disclosure sheet with illustration for more information on the plan as well as the policy document for the complete terms and conditions of this plan. The information contained in this brochure may be changed without prior notice.

2. The policy shall not have a guaranteed minimum cash value on termination until after you have paid premiums for 3 years and in force for full 3 years.

3. All premiums are fully payable up to the expiry of the policy’s premium payment period or prior to death of the life assured (whichever earlier). Premiums can be paid on a monthly basis and the amount ranges between RM120, RM240, RM360 and RM600, depending on the chosen protection plan. Quarterly, half yearly and yearly premium payment methods are also available.

4. Premiums are guaranteed throughout the policy term.

5. If payment of premiums cease before the stipulated period, it may lead to early termination of coverage to the life assured.

6. If you terminate your policy in the early years, you may get back less than the amount that you have paid.

7. You should be satisfied that this plan will best serve your needs and ensure that the premium payable under this plan is an amount that you can afford.

8. You are given a “free look period” of 15 days to review the suitability of your newly purchased insurance plan after delivery of the policy document. If you return the policy document to the insurer during this period, all premiums paid (less any medical examination fees) will be refunded to you and this policy document shall be cancelled.

9. This plan is underwritten by Sun Life Malaysia Assurance Berhad (197499-U), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013.

10. This plan is distributed by CIMB Bank Berhad (13491-P) and is located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.

Bijak & bersediaKehidupan ini sangat berharga. Apakah hadiah yang lebih baik daripada peluang mengecapi nikmat hidup sepenuhnya? Kesempurnaan dan kebahagiaan hidup yang dinikmati hari ini mungkin tidak kekal buat selama-lamanya. Bagaimanapun, dengan adanya perlindungan insurans komprehensif sebagai jaring keselamatan sewaktu diperlukan, anda mempunyai kawalan yang lebih baik ke atas kehidupan.

Sun Life Malaysia Bijak Malaysia Plus - Pilihan bijak anda

Sun Life Malaysia Bijak Malaysia Plus adalah pelan sepanjang hayat tanpa-penyertaan yang dicipta untuk memenuhi perubahan keperluan anda di setiap peringkat kehidupan. Pelan dimampui ini menawarkan perlindungan yang tinggi sepanjang tempoh produktif/bekerja anda. Ia menyediakan bayaran tunai terjamin setiap tiga tahun bermula dari tahun polisi 1 hingga berumur 60. Selepas mencapai umur persaraan biasa 60 tahun, bayaran premium akan tamat tetapi anda akan terus menikmati perlindungan. Paling menarik, anda akan menerima bayaran tunai setiap tahun sehingga anda berumur 88 tahun!

Kelebihan unikWalaupun terdapat banyak pelan insurans hayat menyeluruh yang menjadi saingan, Sun Life Malaysia Bijak Malaysia Plus ternyata lebih menyerlah daripada yang lain.

Liputan perlindungan yang lebih baik sepanjang hayat

Premium pada kadar yang berpatutan

Liputan perlindungan tambahan sepanjang tempoh produktif/bekerja

Bayaran tunai terjamin @ 5% daripada jumlah yang diinsuranskan:

- Dari tahun polisi pertama sehingga usia 60 tahun: Bayaran tunai terjamin setiap tiga tahun

- Usia 61 sehingga usia 88: Bayaran tunai terjamin tahunan

Manfaat kematangan terjamin (jumlah penuh yang diinsuranskan akan dibayar)

Pakej sedia ada, mudah dilanggani & tiada masalah (hanya memerlukan pengakuan kesihatan yang mudah)

Inisiatif Persatuan Insurans Kebangsaan Malaysia (NIAM)

Produk bankasurans dengan rangkaian pengedaran yang luas, untuk kemudahan anda

Manfaat-manfaat secara ringkasManfaat perlindungan3

% jumlah yang diinsuranskan

Manfaat kematianManfaat hilang upaya menyeluruh & kekal

(TPD)1

Sebab semula jadi

Akibat kemalangan

Sebab semula jadi

Akibat kemalangan

2 tahun pertama polisi

25%2 500% 25%2 200%

Tahun polisi ke-3 hingga usia 60 tahun

200% 500% 200% 200%

Dari usia 61 hingga 65 tahun

100% 250% 100% 100%

Seterusnya hingga 88 tahun

100% 100% Tiada Tiada

Manfaat kelangsungan hidup

Bayaran tunai setiap tiga tahun

5% daripada jumlah yang diinsuranskan dibayar setiap tiga tahun sehingga usia 60 tahun

Bayaran tunai setiap tahun

5% daripada jumlah yang diinsuranskan dibayarsetiap tahun (dari usia 61 tahun hingga 88 tahun)

Manfaat kematangan

100% daripada jumlah yang diinsuranskan dibayar pada usia 88 tahun

1 Perlindungan bagi TPD tamat pada usia 65 tahun.2 Lien hanya untuk kematian dan TPD atas sebab semula jadi dalam tempoh 2

tahun pertama polisi berkuatkuasa, disebabkan kekangan taja jamin.3 Manfaat yang akan dibayar adalah jumlah yang diinsuranskan tertera dalam

jadual; atau jumlah premium telah dibayar ditolak jumlah bayaran tunai terjamin telah dibayar sehingga tarikh kejadian, yang mana lebih tinggi.

Di samping itu, pelan ini menyediakan bayaran tunai terjamin sebanyak 5% daripada jumlah yang diinsuranskan yang akan dibayar setiap 3 tahun dari tarikh polisi berkuatkuasa sehingga mencapai usia 60 tahun. Selepas itu, bayaran tunai terjamin berjumlah 5% daripada jumlah yang diinsuranskan akan dibayar setiap tahun demi anda menikmati tahun-tahun keemasan sehingga usia 88 tahun.

Apabila mencapai usia 88 tahun, anda akan menerima manfaat kematangan sebanyak 100% daripada jumlah yang diinsuranskan.

KomisenOleh sebab Sun Life Malaysia Bijak Malaysia Plus merupakan satu produk kategori bankasurans, kadar premium dan komisen yang perlu dibayar adalah antara yang paling rendah dalam industri. Jadual di bawah menunjukkan komisen yang ditanggung oleh pelanggan, yang akan dibayar daripada premium tahunan mereka.

Ilustrasi di bawah mengandaikan orang yang diinsuranskan berumur 25 tahun, dengan tempoh polisi 63 tahun dan jumlah premium tahunan sebanyak RM1,440.

Tahun polisiKadar potongan premium untuk

komisenJumlah sebenar (RM)

1 20% 288

2 5% 72

3 5% 72

4 5% 72

5 5% 72

6 5% 72

7 5% 72

8 5% 72

9 5% 72

10 5% 72

Bonus prestasi dan bonus persistensi bagi 3 tahun polisi yang pertama akan dibayar dan ditanggung oleh pemilik polisi.

PENDAFTARAN MUDAH Hanya borang pengakuan kesihatan ringkas diperlukan untuk bermula!

TEMPOH PEMBAYARAN PREMIUM TERHAD untuk menikmati perlindungan sepanjang hayat!

Nikmati PERLINDUNGAN TAMBAHAN sepanjang tahun produktif!

Nikmati BAYARAN TUNAI TAHUNAN selepas bersara.

Jadual di bawah merupakan senarai contoh jumlah yang diinsuranskan dan bayaran tunai terjamin yang setimpal:

Jumlah yang diinsuranskanUsia

penyertaan(Lelaki)

Premium bulanan (RM)

120 240 360 600

0 37,800 79,500 121,200 204,5001 37,600 79,000 120,400 203,3002 37,300 78,400 119,600 201,8003 37,000 77,900 118,700 200,4004 36,800 77,300 117,900 198,9005 36,500 76,700 116,900 197,3006 36,200 76,100 115,900 195,7007 35,900 75,400 115,000 194,1008 35,500 74,700 113,800 192,1009 35,200 73,900 112,700 190,200

10 34,900 73,300 111,700 188,60011 34,500 72,600 110,600 186,70012 34,100 71,700 109,200 184,40013 33,700 70,800 107,900 182,20014 33,300 69,900 106,500 179,80015 32,800 68,900 105,000 177,30016 32,300 67,900 103,600 174,80017 31,800 66,900 102,000 172,20018 31,300 65,900 100,400 169,50019 30,900 64,900 98,900 166,90020 30,400 63,800 97,300 164,20021 29,800 62,800 95,700 161,50022 29,400 61,800 94,200 159,00023 28,900 60,700 92,500 156,20024 28,300 59,500 90,800 153,30025 27,800 58,400 89,000 150,30026 27,100 57,100 87,000 146,90027 26,400 55,700 84,800 143,30028 25,800 54,200 82,700 139,70029 25,000 52,700 80,400 135,80030 24,200 51,100 77,900 131,70031 23,500 49,500 75,500 127,50032 22,600 47,700 72,900 123,10033 21,700 45,900 70,100 118,60034 20,900 44,200 67,500 114,10035 20,000 42,400 64,700 109,40036 19,700 41,700 63,700 107,60037 18,900 40,100 61,200 103,50038 18,100 38,500 58,700 99,10039 17,500 37,300 56,900 95,90040 16,500 35,300 53,900 90,90041 15,600 33,500 51,100 86,30042 15,200 32,700 49,900 84,30043 14,500 31,100 47,400 80,10044 13,600 29,200 44,800 75,90045 13,100 28,100 43,100 73,10046 12,200 26,200 40,200 68,20047 11,300 24,400 37,500 63,60048 10,600 23,000 35,400 60,00049 9,700 20,900 32,200 54,70050 8,800 19,100 29,400 50,000

Usiapenyertaan

(Wanita)

Premium bulanan (RM)

120 240 360 600

0 38,200 80,300 122,500 206,8001 38,000 79,900 121,800 205,6002 37,700 79,400 121,000 204,3003 37,500 78,800 120,200 202,9004 37,200 78,300 119,400 201,5005 36,900 77,700 118,500 200,0006 36,700 77,100 117,600 198,4007 36,400 76,500 116,700 196,9008 36,000 75,800 115,500 195,0009 35,700 75,200 114,600 193,400

10 35,400 74,400 113,400 191,50011 35,000 73,700 112,300 189,60012 34,700 72,900 111,200 187,70013 34,300 72,200 110,100 185,80014 34,000 71,500 109,000 184,00015 33,500 70,500 107,500 181,40016 33,100 69,600 106,100 179,10017 32,600 68,600 104,600 176,50018 32,100 67,500 103,000 173,80019 31,600 66,500 101,400 171,20020 31,100 65,400 99,700 168,40021 30,500 64,300 98,000 165,50022 30,100 63,200 96,400 162,70023 29,500 62,100 94,700 159,80024 29,000 60,900 92,900 156,90025 28,400 59,900 91,300 154,10026 27,800 58,600 89,400 151,00027 27,200 57,300 87,400 147,60028 26,600 56,000 85,400 144,30029 25,900 54,600 83,200 140,60030 25,100 53,000 80,800 136,60031 24,300 51,400 78,500 132,70032 23,500 49,700 76,000 128,40033 22,600 48,000 73,300 123,90034 21,800 46,200 70,600 119,40035 20,900 44,300 67,800 114,60036 20,700 44,200 67,400 114,10037 19,700 42,000 64,300 108,80038 18,600 39,700 60,700 102,60039 18,200 38,900 59,500 100,70040 17,000 36,500 55,800 94,50041 16,200 34,900 53,400 90,50042 15,800 34,100 52,200 88,40043 14,700 31,900 48,900 82,80044 13,900 29,900 45,900 77,90045 13,400 28,900 44,400 75,30046 12,400 26,800 41,200 69,90047 11,500 25,000 38,500 65,30048 10,800 23,600 36,400 61,70049 9,700 21,300 32,900 55,90050 8,700 19,100 29,500 50,300

Jumlah yang diinsuranskan

Bayaran tunai terjamin (setiap bayaran)Usia

penyertaan(Lelaki)

Premium bulanan (RM)

120 240 360 600

0 1,890 3,975 6,060 10,2251 1,880 3,950 6,020 10,1652 1,865 3,920 5,980 10,0903 1,850 3,895 5,935 10,0204 1,840 3,865 5,895 9,9455 1,825 3,835 5,845 9,8656 1,810 3,805 5,795 9,7857 1,795 3,770 5,750 9,7058 1,775 3,735 5,690 9,6059 1,760 3,695 5,635 9,510

10 1,745 3,665 5,585 9,43011 1,725 3,630 5,530 9,33512 1,705 3,585 5,460 9,22013 1,685 3,540 5,395 9,11014 1,665 3,495 5,325 8,99015 1,640 3,445 5,250 8,86516 1,615 3,395 5,180 8,74017 1,590 3,345 5,100 8,61018 1,565 3,295 5,020 8,47519 1,545 3,245 4,945 8,34520 1,520 3,190 4,865 8,21021 1,490 3,140 4,785 8,07522 1,470 3,090 4,710 7,95023 1,445 3,035 4,625 7,81024 1,415 2,975 4,540 7,66525 1,390 2,920 4,450 7,51526 1,355 2,855 4,350 7,34527 1,320 2,785 4,240 7,16528 1,290 2,710 4,135 6,98529 1,250 2,635 4,020 6,79030 1,210 2,555 3,895 6,58531 1,175 2,475 3,775 6,37532 1,130 2,385 3,645 6,15533 1,085 2,295 3,505 5,93034 1,045 2,210 3,375 5,70535 1,000 2,120 3,235 5,47036 985 2,085 3,185 5,38037 945 2,005 3,060 5,17538 905 1,925 2,935 4,95539 875 1,865 2,845 4,79540 825 1,765 2,695 4,54541 780 1,675 2,555 4,31542 760 1,635 2,495 4,21543 725 1,555 2,370 4,00544 680 1,460 2,240 3,79545 655 1,405 2,155 3,65546 610 1,310 2,010 3,41047 565 1,220 1,875 3,18048 530 1,150 1,770 3,00049 485 1,045 1,610 2,73550 440 955 1,470 2,500

Usiapenyertaan

(Wanita)

Premium bulanan (RM)

120 240 360 600

0 1,910 4,015 6,125 10,3401 1,900 3,995 6,090 10,2802 1,885 3,970 6,050 10,2153 1,875 3,940 6,010 10,1454 1,860 3,915 5,970 10,0755 1,845 3,885 5,925 10,0006 1,835 3,855 5,880 9,9207 1,820 3,825 5,835 9,8458 1,800 3,790 5,775 9,7509 1,785 3,760 5,730 9,670

10 1,770 3,720 5,670 9,57511 1,750 3,685 5,615 9,48012 1,735 3,645 5,560 9,38513 1,715 3,610 5,505 9,29014 1,700 3,575 5,450 9,20015 1,675 3,525 5,375 9,07016 1,655 3,480 5,305 8,95517 1,630 3,430 5,230 8,82518 1,605 3,375 5,150 8,69019 1,580 3,325 5,070 8,56020 1,555 3,270 4,985 8,42021 1,525 3,215 4,900 8,27522 1,505 3,160 4,820 8,13523 1,475 3,105 4,735 7,99024 1,450 3,045 4,645 7,84525 1,420 2,995 4,565 7,70526 1,390 2,930 4,470 7,55027 1,360 2,865 4,370 7,38028 1,330 2,800 4,270 7,21529 1,295 2,730 4,160 7,03030 1,255 2,650 4,040 6,83031 1,215 2,570 3,925 6,63532 1,175 2,485 3,800 6,42033 1,130 2,400 3,665 6,19534 1,090 2,310 3,530 5,97035 1,045 2,215 3,390 5,73036 1,035 2,210 3,370 5,70537 985 2,100 3,215 5,44038 930 1,985 3,035 5,13039 910 1,945 2,975 5,03540 850 1,825 2,790 4,72541 810 1,745 2,670 4,52542 790 1,705 2,610 4,42043 735 1,595 2,445 4,14044 695 1,495 2,295 3,89545 670 1,445 2,220 3,76546 620 1,340 2,060 3,49547 575 1,250 1,925 3,26548 540 1,180 1,820 3,08549 485 1,065 1,645 2,79550 435 955 1,475 2,515

Bayaran tunai terjamin (setiap bayaran)

Pengecualian-pengecualian(Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada dokumen-dokumen polisi untuk maklumat lanjut mengenai pengecualian-pengecualian)

Manfaat Pengecualian-pengecualian

Manfaat kematian

Manfaat kematian tidak akan dibayar sekiranya orang yang diinsuranskan membunuh diri (sama ada waras atau tidak waras) dalam tempoh 12 bulan dari tarikh polisi dikeluarkan atau mana-mana tarikh pengembalian semula yang terkemudian. Sekiranya ia berlaku, polisi akan ditamatkan dan jumlah premium yang dibayar akan dikembalikan tanpa faedah.

Manfaat kematian

akibat kemalangan

Manfaat tambahan kematian akibat kemalangan tidak akan dibayar sekiranya kematian disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana satu yang berikut:

i) Serangan, dibunuh, perang, pergaduhan

ii) Mencederakan diri sendiri semasa waras atau tidak waras

iii) Khidmat ketenteraan sewaktu perang atau operasi ketenteraan

iv) Membuat tangkapan oleh pegawai undang-undang

v) Perlumbaan kuda atau beroda atau selam skuba

vi) Penyalahgunaan dadah atau alkohol

vii) Jangkitan ptomaina atau bakteria atau racun atau gas

viii) Perjalanan udara selain penerbangan komersial

Manfaat TPD

Tiada manfaat TPD akan dibayar sekiranya TPD orang yang diinsuranskan disebabkan oleh yang berikut:

i) Mencederakan diri sendiri semasa waras atau tidak waras

ii) Perjalanan udara selain penerbangan komersial

iii) Perang yang diisytihar atau tidak diisytihar

iv) Jangkitan oportunis atau neoplasma malignan

Pelepasan cukaiPolisi ini mungkin layak memberikan anda pelepasan cukai individu, tertakluk kepada keputusan muktamad oleh Lembaga Hasil Dalam Negeri Malaysia.

Nota-nota penting1. Ini adalah risalah produk dan bukan dokumen polisi. Sila rujuk kepada

dokumen keterangan produk bersama ilustrasi untuk maklumat lanjut mengenai pelan dan juga dokumen polisi untuk terma-terma dan syarat-syarat lengkap di bawah pelan ini. Maklumat yang terkandung di dalam risalah ini boleh diubah tanpa notis terlebih dahulu.

2. Polisi ini tidak akan mempunyai nilai tunai terjamin minimum jika ditamatkan sebelum anda membayar premium untuk 3 tahun dan polisi telah berkuatkuasa selama 3 tahun.

3. Semua premium hendaklah dibayar sepenuhnya sehingga tamat tempoh bayaran premium polisi atau sebelum kematian orang yang diinsuranskan (yang mana lebih dahulu). Premium boleh dibayar setiap bulan dan jumlahnya adalah antara RM120, RM240, RM360 dan RM600, bergantung kepada pelan perlindungan yang dipilih. Bayaran premium secara suku tahunan, setengah tahunan dan tahunan disediakan.

4. Premium adalah dijamin sepanjang tempoh polisi.

5. Jika bayaran premium dihentikan sebelum tempoh yang ditetapkan, ia boleh menyebabkan perlindungan ke atas orang yang diinsuranskan ditamatkan lebih awal daripada tempoh yang sepatutntya.

6. Sekiranya anda membatalkan polisi anda pada tahun-tahun awal, anda mungkin mendapat kembali amaun yang kurang daripada jumlah yang telah anda bayar.

7. Anda seharusnya memastikan bahawa pelan ini memenuhi keperluan anda dan premium yang perlu dibayar di bawah pelan ini adalah amaun yang anda mampu bayar.

8. Anda diberi “tempoh semakan percuma” selama 15 hari bagi membolehkan anda mempertimbangkan semula kesesuaian dokumen polisi pelan insurans yang dibeli selepas dokumen polisi dihantar. Jika anda memulangkan dokumen polisi kepada penanggung insurans semasa tempoh ini, segala premium yang dibayar (tolak sebarang yuran pemeriksaan perubatan) akan dipulangkan kepada anda dan dokumen polisi ini akan dibatalkan.

9. Pelan ini ditaja jamin oleh Sun Life Malaysia Assurance Berhad (197499-U), penanggung insurans yang berdaftar dengan Bank Negara Malaysia di bawah Akta Perkhidmatan Kewangan 2013.

10. Pelan ini diedarkan oleh CIMB Bank Berhad (13491-P) dan berpejabat di Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.

未雨綢繆、明智之舉

有什麼禮物會比過著有意義的人生更美好？目前看起來完美

的生活不一定會持續至永遠。即便如此，只要擁有一份綜合

性保險保障作為您的財務安全網，以備未來緊急之需，生活

就能更好的掌控在您手中。

Sun Life Malaysia Bijak Malaysia Plus - 您正確的選擇

Sun Life Malaysia Bijak Malaysia Plus是一項非分紅型終身

保險計劃，特為迎合您步入人生不同階段時不斷改變的需求

而設。這項價格合理的計劃在您人生最具生產力/工作能力

的階段提供高保障。自第一個保單年起至您年屆60歲，它每

3年給付一次受保證的現金付款。當您步入60歲的退休年齡

後，雖然隨之停止繳付保費，但是您還是繼續享有保障。最

重要的是，您將繼續獲得年度保證現金付款，直至88歲為止！

保單特點市場上許多終生壽險計劃都聲稱各自的產品為最好，但Sun Life Malaysia Bijak Malaysia Plus肯定能在其中脫穎而出。

終生人壽保障

負擔得起的保費數額

在高生產率的工作年期間享有額外的保障

受保證的現金付款，即保額之5%:- 第一個保單年至60歲: 每3年給付一次受保證的

現金付款

- 61歲至88歲: 每年給付受保證的現金付款

受保證的期滿利益（給付保單之總保額）

預先配套，簡易而無煩惱的申請程序(只須填寫簡單的健康聲明表格)

由National Insurance Association of Malaysia (NIAM) 發起

擁有廣泛銷售網絡的銀行保險產品，讓您感覺更方便

利益一覽表

保障利益3

保額之

百分比

死亡利益 完全及永久殘障利益1

自然原因 意外原因 自然原因 意外原因

首2個保單年 25%2 500% 25%2 200%

第3個保單年

至60歲200% 500% 200% 200%

61歲至65歲 100% 250% 100% 100%

之後至88歲 100% 100% 無 無

生存利益

每3年一次的

現金付款

保額之5%將每3年

給付一次，直到60歲

每年一次的

現金付款

保額之5%將每年

給付一次(從61歲至88歲)

期滿利益 100%之保額將在88歲時給付

1 完全及永久殘障(TPD)保障將於65歲時終止。2 保額留置條款(Lien Provision)只在保單開始後的首兩年實施於因

自然因素而導致的死亡及完全及永久殘障(TPD)，因承保制約。3 所給付的利益為以上所列的保額；或直到發生事故時在扣除了已

給付的保證現金付款之後所剩的已繳付總保費，視何者為高。

此外，這項計劃也將由第一個保單年開始直至60歲，每三年

一次給付相等於保額之5%的保證現金付款。之後，您將每

一年獲得一次相等於保額之5%的保證現金付款直至88歲。

這筆錢可讓您用來安享晚年。

當您屆滿88歲，您將會收到高達100%保額的期滿利益。

佣金

由於Sun Life Malaysia Bijak Malaysia Plus屬於銀行保險產

品，因此有關的保費及佣金是市場上的其中一個最低者。以

下圖表顯示客戶所繳付的佣金，其數額將從年度保費里扣除。

以下圖表是根據一位25歲的受保人，其保單期限為63年而年

度保費則為RM1,440。

保單年用以佣金而扣除的

保費百分比實際數額 (RM)

1 20% 288

2 5% 72

3 5% 72

4 5% 72

5 5% 72

6 5% 72

7 5% 72

8 5% 72

9 5% 72

10 5% 72

業績花紅和續保率花紅在合約期間的前三年是由保單持有人

繳付與承擔。

簡易申請僅需填寫簡單 的健康申明表

有限的保費繳付期 來享有終身保障

在高生產率的工作年期間享有額外保障

在退休後每年享有受保證的現金付款

下列圖表提供保額樣本及所給付的保證現金付款:

保額投保年齡

(男性)每月保費 (RM)

120 240 360 6000 37,800 79,500 121,200 204,5001 37,600 79,000 120,400 203,3002 37,300 78,400 119,600 201,8003 37,000 77,900 118,700 200,4004 36,800 77,300 117,900 198,9005 36,500 76,700 116,900 197,3006 36,200 76,100 115,900 195,7007 35,900 75,400 115,000 194,1008 35,500 74,700 113,800 192,1009 35,200 73,900 112,700 190,200

10 34,900 73,300 111,700 188,60011 34,500 72,600 110,600 186,70012 34,100 71,700 109,200 184,40013 33,700 70,800 107,900 182,20014 33,300 69,900 106,500 179,80015 32,800 68,900 105,000 177,30016 32,300 67,900 103,600 174,80017 31,800 66,900 102,000 172,20018 31,300 65,900 100,400 169,50019 30,900 64,900 98,900 166,90020 30,400 63,800 97,300 164,20021 29,800 62,800 95,700 161,50022 29,400 61,800 94,200 159,00023 28,900 60,700 92,500 156,20024 28,300 59,500 90,800 153,30025 27,800 58,400 89,000 150,30026 27,100 57,100 87,000 146,90027 26,400 55,700 84,800 143,30028 25,800 54,200 82,700 139,70029 25,000 52,700 80,400 135,80030 24,200 51,100 77,900 131,70031 23,500 49,500 75,500 127,50032 22,600 47,700 72,900 123,10033 21,700 45,900 70,100 118,60034 20,900 44,200 67,500 114,10035 20,000 42,400 64,700 109,40036 19,700 41,700 63,700 107,60037 18,900 40,100 61,200 103,50038 18,100 38,500 58,700 99,10039 17,500 37,300 56,900 95,90040 16,500 35,300 53,900 90,90041 15,600 33,500 51,100 86,30042 15,200 32,700 49,900 84,30043 14,500 31,100 47,400 80,10044 13,600 29,200 44,800 75,90045 13,100 28,100 43,100 73,10046 12,200 26,200 40,200 68,20047 11,300 24,400 37,500 63,60048 10,600 23,000 35,400 60,00049 9,700 20,900 32,200 54,70050 8,800 19,100 29,400 50,000

投保年齡(女性)

每月保費 (RM)

120 240 360 6000 38,200 80,300 122,500 206,8001 38,000 79,900 121,800 205,6002 37,700 79,400 121,000 204,3003 37,500 78,800 120,200 202,9004 37,200 78,300 119,400 201,5005 36,900 77,700 118,500 200,0006 36,700 77,100 117,600 198,4007 36,400 76,500 116,700 196,9008 36,000 75,800 115,500 195,0009 35,700 75,200 114,600 193,400

10 35,400 74,400 113,400 191,50011 35,000 73,700 112,300 189,60012 34,700 72,900 111,200 187,70013 34,300 72,200 110,100 185,80014 34,000 71,500 109,000 184,00015 33,500 70,500 107,500 181,40016 33,100 69,600 106,100 179,10017 32,600 68,600 104,600 176,50018 32,100 67,500 103,000 173,80019 31,600 66,500 101,400 171,20020 31,100 65,400 99,700 168,40021 30,500 64,300 98,000 165,50022 30,100 63,200 96,400 162,70023 29,500 62,100 94,700 159,80024 29,000 60,900 92,900 156,90025 28,400 59,900 91,300 154,10026 27,800 58,600 89,400 151,00027 27,200 57,300 87,400 147,60028 26,600 56,000 85,400 144,30029 25,900 54,600 83,200 140,60030 25,100 53,000 80,800 136,60031 24,300 51,400 78,500 132,70032 23,500 49,700 76,000 128,40033 22,600 48,000 73,300 123,90034 21,800 46,200 70,600 119,40035 20,900 44,300 67,800 114,60036 20,700 44,200 67,400 114,10037 19,700 42,000 64,300 108,80038 18,600 39,700 60,700 102,60039 18,200 38,900 59,500 100,70040 17,000 36,500 55,800 94,50041 16,200 34,900 53,400 90,50042 15,800 34,100 52,200 88,40043 14,700 31,900 48,900 82,80044 13,900 29,900 45,900 77,90045 13,400 28,900 44,400 75,30046 12,400 26,800 41,200 69,90047 11,500 25,000 38,500 65,30048 10,800 23,600 36,400 61,70049 9,700 21,300 32,900 55,90050 8,700 19,100 29,500 50,300

受保證的現金付款 (每一次的數額)投保年齡

(男性)每月保費 (RM)

120 240 360 6000 1,890 3,975 6,060 10,2251 1,880 3,950 6,020 10,1652 1,865 3,920 5,980 10,0903 1,850 3,895 5,935 10,0204 1,840 3,865 5,895 9,9455 1,825 3,835 5,845 9,8656 1,810 3,805 5,795 9,7857 1,795 3,770 5,750 9,7058 1,775 3,735 5,690 9,6059 1,760 3,695 5,635 9,510

10 1,745 3,665 5,585 9,43011 1,725 3,630 5,530 9,33512 1,705 3,585 5,460 9,22013 1,685 3,540 5,395 9,11014 1,665 3,495 5,325 8,99015 1,640 3,445 5,250 8,86516 1,615 3,395 5,180 8,74017 1,590 3,345 5,100 8,61018 1,565 3,295 5,020 8,47519 1,545 3,245 4,945 8,34520 1,520 3,190 4,865 8,21021 1,490 3,140 4,785 8,07522 1,470 3,090 4,710 7,95023 1,445 3,035 4,625 7,81024 1,415 2,975 4,540 7,66525 1,390 2,920 4,450 7,51526 1,355 2,855 4,350 7,34527 1,320 2,785 4,240 7,16528 1,290 2,710 4,135 6,98529 1,250 2,635 4,020 6,79030 1,210 2,555 3,895 6,58531 1,175 2,475 3,775 6,37532 1,130 2,385 3,645 6,15533 1,085 2,295 3,505 5,93034 1,045 2,210 3,375 5,70535 1,000 2,120 3,235 5,47036 985 2,085 3,185 5,38037 945 2,005 3,060 5,17538 905 1,925 2,935 4,95539 875 1,865 2,845 4,79540 825 1,765 2,695 4,54541 780 1,675 2,555 4,31542 760 1,635 2,495 4,21543 725 1,555 2,370 4,00544 680 1,460 2,240 3,79545 655 1,405 2,155 3,65546 610 1,310 2,010 3,41047 565 1,220 1,875 3,18048 530 1,150 1,770 3,00049 485 1,045 1,610 2,73550 440 955 1,470 2,500

保額

投保年齡(女性)

每月保費 (RM)

120 240 360 6000 1,910 4,015 6,125 10,3401 1,900 3,995 6,090 10,2802 1,885 3,970 6,050 10,2153 1,875 3,940 6,010 10,1454 1,860 3,915 5,970 10,0755 1,845 3,885 5,925 10,0006 1,835 3,855 5,880 9,9207 1,820 3,825 5,835 9,8458 1,800 3,790 5,775 9,7509 1,785 3,760 5,730 9,670

10 1,770 3,720 5,670 9,57511 1,750 3,685 5,615 9,48012 1,735 3,645 5,560 9,38513 1,715 3,610 5,505 9,29014 1,700 3,575 5,450 9,20015 1,675 3,525 5,375 9,07016 1,655 3,480 5,305 8,95517 1,630 3,430 5,230 8,82518 1,605 3,375 5,150 8,69019 1,580 3,325 5,070 8,56020 1,555 3,270 4,985 8,42021 1,525 3,215 4,900 8,27522 1,505 3,160 4,820 8,13523 1,475 3,105 4,735 7,99024 1,450 3,045 4,645 7,84525 1,420 2,995 4,565 7,70526 1,390 2,930 4,470 7,55027 1,360 2,865 4,370 7,38028 1,330 2,800 4,270 7,21529 1,295 2,730 4,160 7,03030 1,255 2,650 4,040 6,83031 1,215 2,570 3,925 6,63532 1,175 2,485 3,800 6,42033 1,130 2,400 3,665 6,19534 1,090 2,310 3,530 5,97035 1,045 2,215 3,390 5,73036 1,035 2,210 3,370 5,70537 985 2,100 3,215 5,44038 930 1,985 3,035 5,13039 910 1,945 2,975 5,03540 850 1,825 2,790 4,72541 810 1,745 2,670 4,52542 790 1,705 2,610 4,42043 735 1,595 2,445 4,14044 695 1,495 2,295 3,89545 670 1,445 2,220 3,76546 620 1,340 2,060 3,49547 575 1,250 1,925 3,26548 540 1,180 1,820 3,08549 485 1,065 1,645 2,79550 435 955 1,475 2,515

受保證的現金付款(每一次的數額) 不受保事項(注：以下不受保項目未盡詳述，請參閱保單文件以獲知詳細的不受保情況)

保障 不受保事項

死亡 利益

如果受保人在保單發出日或任何之後的複效日算起的12個月內因自殺(無論神智清醒或精神失常)，將不給付死亡利益。在這情況下，保單將被終止並全數退還已繳付但不含利息之保費。

意外死亡利益

如果因為以下任何直接或間接、完全或部分的原因造成意外死亡，額外意外死亡利益將不理賠：i) 毆打、謀殺、戰爭、爭吵ii) 自我毀滅無論神智清醒或精神失常iii) 服兵役時戰爭或類似戰爭的行為iv) 被法律的官員逮捕v) 賽車或賽馬或潛水vi) 濫用藥物或酒精vii) 細菌感染或中毒或煤氣viii) 除了商業航空之外的空中飛行

完全及永久殘障利益

如果因為以下原因造成受保人完全及永久殘障，完全及永久殘障利益將不理賠：i) 自我毀滅無論神智清醒或精神失常ii) 除了商業航空之外的空中飛行iii) 申報或不申報的戰爭iv) 機會性感染或惡性腫瘤

稅務減免此保單可能讓您享有個人稅務減免，但最終決定乃根據馬來西亞內陸稅收局的指示而定。

重要注釋1. 這是產品簡介手冊，並非保單合約文件。請參閱產品披露說明書內

的說明以獲知更多有關保單和合約文件的詳細資訊，進而全面瞭解這項保單的條款與條件。此手冊所載的資訊可能會在沒有給予通知的情況下更改。

2. 此保單在退保時並沒有受保證的最低現金價值，除非您已繳付至少3年的保費并生效已滿3年。

3. 保費付款必須繼續至完成整個保費繳付期或至受保人死亡（視何者為先）。保費可以按月繳付，其數額介於RM120、RM240、RM360及RM600之間，須視有關的保障計劃而定；並可按照每季，每半年及每年的方式繳付。

4. 保費在保單期限內受到保證。5. 若在有關的期限內停止繳付保費，可能會造成受保人的保障提前結束。6. 若在合約生效初期斷保，您可取回的數額可能會比已繳付的數額來得低。7. 您必須確認此保單符合您的需求，而保單所須繳付的保費也是您所

能負擔的。8. 在保單發出後，您將享有15天的免費閱覽期以檢閱您的新保單是否

符合您的需求。若您在這段期間內將保單退還給承保公司，所有已繳付之保費(扣除任何醫藥檢驗開銷)將會退還給您，而這份保單契約將被撤消。

9. 這項保單是由Sun Life Malaysia Assurance Berhad (197499-U)承保，這是一家根據2013年金融服務法令向馬來西亞國家銀行註冊成立的保險公司。

10.此保單是由聯昌銀行 (CIMB Bank Berhad) (13491-P) 所銷售，地址為: Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.

Plus

September 2014

Underwritten by:

Sun Life Malaysia Assurance Berhad (197499-U)Level 11, 338 Jalan Tuanku Abdul Rahman 50100 Kuala Lumpur, MalaysiaTelephone (603) 2612 3600 Facsimile (603) 2698 7035 Customer Careline 1300-88-5055 sunlifemalaysia.com

A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd