Specification :

Is an insurance program that provides comprehensive protection and investment opportunities.

Benefit Protection of Life:

Protection up to age 99 years. If the insured dies the company will pay compensation of 100% Sum Assured.

Investment Benefits:

Accumulated investment that is made up of the funds you pay. Investment Benefits will be paid if:

1. Customer reaches the age of 99 years on the anniversary of the Policy.
2. Policy is void in the Period of Insurance.
3. Participants died of any cause during the Policy still valid.

Privileges:

+ Guarantee no cancellation policy * ) . During the first 3 years, guaranteed policy remains in force even though their investment value is minus when unfavorable market conditions.
+ Free Insurance * ) . Customers will be exempted from all Insurance Costs and Administrative Costs during the first year of the Policy.
+ Smoking Claims * ) . Exemption claims for lack of Administrative Cost and Cost Insurance Policy within the first 3 years.
+ Flexibility. Customers have the flexibility in terms of Periodic Premiums paid, a minimum of Premium. Customers also can add the investment fund ( Top Up) , change the allocation of investment portfolios or withdraw any investment fund in part if at any waku required.
+ Acquisition costs are low. Acquisition costs incurred only during the first 3 years, then the entire premium will be allocated to the investment unit.
+ Multi Protection. Customers can add protection ( or Riders Riders) without increasing premiums, such as: Benefits Acquisition Premiums, Benefits Protection of Critical Illness, Benefits Daily Hospitalization Cash Benefit, Supplementary Death Benefits for Policyholders Policy for children. Accidental Death Benefit & Total Permanent Disability.
+ Protection at all times * ) . All the protections that have been selected customers will remain in force even though conditions in premium vacation.

* ) Complete Terms & conditions stipulated in the Policy.