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Key Selling Point
Because your life's story and rhythm are not the only ones. iLink is designed to help you create high coverage for your loved ones. There is freedom to design and modify protection, offering an opportunity to establish stability in your life and achieve success in investments. So you can plan
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CriticalLink UDR
CriticalLink UDR
CriticalLink
CriticalLink (UDR) is a rider that protects you from Critical Illnesses in the Early and Major Stages, with maximum coverage of 200% of the Sum Assured. Covers 70 Critical Illness and provides additional coverage for three specific Critical Illness including, Invasive Cancer / Acute Heart Attack / Major Stroke.
TPDLink UDR
TPDLink UDR
TPDLink
TPDLink (UDR) is a rider that provides coverage in the event of an injury from an accident or illness that causes a person to be total permanent disability and is unable to function normally. This rider will be paid in a lump sum according to the sum insured.
HealthLink UDR
HealthLink UDR
HealthLink
HealthLink (UDR) is a rider that covers medical expenses for inpatients and outpatients as a lump sum, according to the coverage list. Feel more secure with three times the coverage for critical illnesses and accidents.
CashLink UDR
CashLink UDR
CashLink
CashLink (UDR) is a Unit Deducting Rider that protects you by providing a daily hospital allowance of up to 365
days per confinement and extra daily allowance 2.5 times when having surgery or a medical procedure
Key Benefits
With higher protection compared to traditional life insurance, the coverage is up to 280 times.
'Riders can be attached to meet most coverage requirements
'Receive a bonus for holding the policy.Receive 0.2% of redemption value, average 12 months prior and starting from the end of policy year 4 onwards.
'Have peace of mind when having to pause the premium payment; the policy will still remain effective for both basic plan and riders.
'Accumulate more happiness and peace of mind with top-up premiums. Since day one, the financial value can be increased with top-up premiums.
Guaranteed coverage during the first five years even when the account value is inadequate. Even if the redemption value is inadequate, the basic plan and riders coverage remains in effect for the first five years.
'Some of the policy fees are tax-deductible. This is in accordance with the RD's conditions.
Terms and conditions
Issue Age
1 month – 70 years old
Coverage Period
Until age of 85 (or as long as the redemption value of the investment units is sufficient to pay the monthly policy fee)
Premium Payment Period
Unitil age of 85
Mode of payment
Annual, Semi-Annual,Quarterly and Monthly
Minimum Regular Protection Premium
18000
Maximum Sum Assured
Subject to the company's underwriting.
Rider Attachment
Allowed to attach unit deducting rider (UDR)
1.TPDLink
2.CashLink
3.HealthLink
4.CriticalLink
Cases which the Company does not cover
1. In the event of non-disclosure or misstatement, the Company reserves the right to void the insurance contract within 2 years from the policy
e ective date or the reinstatement date or the last reinforced of policy date or the date that the Company approves the increased sum assured
only in part of the increased sum assured.
'2. In the event of the insured committing suicide within 1 year since policy e ective date or the reinstatement date or the last reinforced of policy date or the date that the Company approves the increased sum assured of this policy, only in part of the increased sum assured.
Tax Deductible benefit
The cost of insurance is entitled to a personal income tax deductionaccording to the Notification of the Director-General of the Revenue Departmenton Income Tax.
Remark
Policy applicant should study the sale proposal and carefully comprehend the prospectus, performance and risk factors before deciding to purchase the Investment-Linked Product. After receiving the insurance policy, please study the terms and conditions as stated in the policy.
FAQ
1. Does the customer need to continue to paid premium in the first 5 year?
Yes and need to follow the below condition
(1) The insured has never taken premium holiday and pays the Regular Protection Premium as scheduled in every installment in the first 5 year , and
(2) The insured has never withdrawn money from redemption of Regular Protection Premium unit, and
(3) The insured has never reduced the amount of Regular Protection Premium.
2. What is Redemption Value?
Refers to the sum of the redemption values of the regular protection premium and the lump sum top-up premium.
3. How can I adjust my Life coverage after purchasing it?
Yes, you can change the amount of life insurance coverage. However, the sum assured may cause the UDR riders (if any) coverage to be adjusted according to the sum assured.
4. Can customers only purchase iLink without attaching UDR riders?
The customer can only purchase iLink without UDR riders, but the UDR riders can be attached only with the new application policy.
5. Will the UDR riders premiums be increased every year according to the age range?
The premium is fixed and is not adjusted as the age changes.
6. How can UDR riders be purchased after the policy becomes effective?
Cannot purchase UDR riders after the policy effective.
