It provides you
with whole life coverage until age 100.... guaranteed!
Guaranteed Increasing Sum Assured
The uniqeness of
SmartLife Pro is that it offers you a guaranteed sum assured which
increases at 2% of the initial sum assured every year until it reaches
130% of the initial sum assured and then remains level thereafter until
Guaranteed Maturity Benefit
At policy maturity
(Insured's Age 100), 130% of the initial sum assured is payable to you
provided that no claim has been made on the policy before.
With SmartLife Pro,
basic premiums are payable and guaranteed to remain unchanged up to age
100. You have the flexibility to pay premiums monthly, quarterly, semi
annually or annually.
Protect Your Financial Security
Protection for You and Your Loved Ones - In the unfortunate event
of loss of life, it protects your family's financial future by paying
your dependent a guaranteed *death benefit. The proceeds can ease your
family's financial burden, giving you peace of mind.
- Long-Term Protection for Business
Entrepreneur - In the unfortunate event of loss of a key person or
business partner, the cost of finding and training a successor, the
loss of business goodwill and debts would occur to business. The
*death benefit available will ease the financial strain of the
* Death from
suicide within one (1) year from the issue date or date of reinstatement,
whichever is later, whether the Insured is sane or insane, shall limit the
Company's liability to the return of premiums paid without interest, less
any indebtedness and the policy shall be terminated.
Protection Against Total And Permanent
In the event of
**TPD before the life assured attains age 60, it pays you the ***sum
assured. In the event of subsequent loss of life after a TPD claim, only
the balance of the sum assured (if any) will be payable.
**TPD - This plan
excludes any diability caused directly or indirectly, wholly or partly, by
any of the following occurences:
or any attempt thereat while sane or insane
- Military or naval service in time of
declared or undeclared war or while under orders for warlike
operations or restoration of public order
- Entering, operating or servicing, riding
in or on, ascending or descending from or with any aerial device or
conveyance except while the Insured is in an aircraft operated by a
commercial passenger airline on a regular scheduled passenger trip
over its established passenger route.
***Sum Assured -
Sum assured payable is fixed at point of TPD and will no longer increase
by 2% every year. The sum assured is payable according to the terms and
conditions of the policy contract.