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Product Summary
- A straightforward life insurance plan offering guaranteed acceptance without medical and financial underwriting required. Provides coverage for death, total and permanent disability (TPD), accidental death, and maturity benefit. Enhance your protection by adding the CriticalEase rider, which offers a lump sum payout upon confirmed diagnosis of any of the 38 covered critical illnesses.
ProtectEase with CriticalEase Rider
Staying protected should always be easy
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- Death Benefit
- Pays the higher of the Basic Sum Assured (BSA), Total Premiums Paid, or Guaranteed Surrender Value.
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- Total & Permanent Disability Benefit
- Provides a lump sum if you are certified as totally and permanently disabled.
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- Personal Accident Benefit
- Additional payout if death occurs due to an accident.
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- Coverage Term
- Up to age 80 (next birthday).
Key Benefits
Death Benefit: Pays the Basic Sum Assured (BSA) or Total Premium Paid or Guaranteed Surrender Value, whichever is higher.
Maturity Benefit: A lump-sum payment will be payable upon survival to the end of the policy term.
Accidental Death Benefit: An additional 100% of Basic Sum Assured is payable (on top of the Death Benefit) if there is an unfortunate accidental death, subject to cause of accident.
Critical Illness Benefit: With the CriticalEase rider, a lump-sum benefit will be payable upon confirmed diagnosis of any of the 38 covered critical illnesses.
Total & Permanent Disability (TPD) Benefit: Provides a lump sum if you are certified as totally and permanently disabled.
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Eligibility- 17 to 70 years old (next birthday).
- Entry Age:
- Non-participating whole life plan
- Policy Type:
- CriticalEase rider can be added for enhanced coverage.
- Rider Availability:
- No medical or financial underwriting.
- Guaranteed Acceptance:
Downloads
Product Brochure (PDF)
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ProtectEase with CriticalEase Rider FAQ
Disclaimer: The information provided is for general informational purposes only and does not constitute a legally binding offer or representation. While efforts are made to ensure accuracy, product features, specifications and availability may be subject to change without prior notice. For full details, terms, conditions and exclusions, please refer to the Product Disclosure Sheet or product brochure.
Any personal data collected or processed in connection with this platform will be handled in accordance with the Personal Data Protection Act 2010 and its amendments thereof. For full details, kindly refer to AmMetLife’s Privacy Notice.
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No, enrollment is guaranteed without medical or financial underwriting, subject to policy terms and conditions.
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The rider covers 38 critical illnesses, including heart attack, cancer, and stroke, and will pay a lump sum upon diagnosis of a listed condition, as defined under the policy’s terms and conditions.
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No, the CriticalEase rider must be added at policy inception and cannot be added later.
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Yes. The Benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact AmMetLife Insurance Berhad, or PIDM (visit www.pidm.gov.my)
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ProtectEase + CriticalEase covers up to the end of policy year at Life Assured's age 80 (next birthday).
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