SHIELDING YOU THROUGH LIFE'S JOURNEY
A NECESSARY PROTECTION FOR CRITICAL ILLNESS
A-Life CriticalShield is a trusted companion that will accompany you up to age 85. It is designed with the unique feature of automatically increasing your protection as you progress through life stages with added responsibilities and commitments.
A-Life CriticalShield offers you:
Limited Premium Payment Term
Premium is payable for a limited duration of 20 years or until age 55, whichever is longer.
Increasing Insurance Coverage
Insurance coverage on 36 critical illnesses, death and Total Permanent Disability (TPD)1. Coverage shall increase as follows:
Policy Year Additional Sum Assured (%)
2 – 4 10
5 – 9 20
10 – 14 40
15 – 19 60
20 – 24 80
25 – 30 or 75 100
Extra Payout in the Form of Non-Guaranteed Dividends2
Annual Dividends (if any) and Terminal Dividend (if any) are available. Terminal Dividend (if any) is payable upon policy termination or maturity.
Maturity benefit in one lump sum at age 85. Maturity benefit consists of initial sum assured, accumulated Annual Dividends (if any) and Terminal Dividend (if any), less any indebtedness.
1Coverage for TPD is up to age 65.
2Dividends consist of Annual Dividends and Terminal Dividend. Dividends are not guaranteed.
Important: This is purely a product summary. Please refer to the policy contract for further details.
Entry Age : 14 days to 60 years old
Minimum Sum Assured : RM 15,000
Coverage Term: Up to age 85
Premium Paying Term: 20 years or until age 55, whichever is longer
Subject to terms and conditions. Please refer to the brochure or policy contract OR contact us for further details.