All the money you pay is refunded in full

This is a sensible and rewarding way to have life assurance. You simply invest an affordable sum each month, depending on the amount of cover you require - RM100,000.00 or RM50,000.00 or RM30,000.00.

At the end of the 10 year period, if there's no claim against the policy, you'll get ALL YOUR MONEY BACK. Every cent you've paid in premiums over the ten years is returned to you, in full.

You could say this is a great plan. You would get 10 years of valuable cover, and it would have cost you nothing!

Think of the peace of mind it will bring you and your loved ones.

GREAT BENEFITS 1. Enjoy up to RM100,000 protection for 10 years 2. Receive coverage on Death and Total Permanent Disability 3. 3 levels of protection to choose from 4. Pay the lowest possible nett cost for a life cover 5. All premium refunded after 10 years* 6. No medical examination required 7. Tax relief on premium paid 8. Easy payment scheme through free autodebit service 9. Acceptance is GUARANTEED

* Full payment will be made if there has been no claims made against the policy.

High cover when you need it most.

Whether you are married or single, male or female, the next ten years are probably the most important years of your life. Many people depend on you. This is the time of your life when your earning capacity is at its peak. In other words, it's a time you need more protection than ever.

And remember, the same rates apply to both men and women.

Your Money Back Life Assurance Cover
Bronze RM30,000	Silver RM50,000	Gold RM100,000

Double cover. Life AND Total & Permanent Disability

For full protection and true peace of mind, we've combined Life and Total & Permanent Disability (TPD) in this one great plan. The reason we've done this is because Total & Permanent Disability can be devastating. Not only is there a complete loss of income, but there's the additional cost of caring for a person who is totally unable to do anything for themselves.

Please Note:
If Death/TPD is due to non-accidental causes in the first 12-months, total premium paid will be refunded instead of the full sum assured. Otherwise the full sum assured is payable.

It's a great investment!

Can you think of any other investment that guarantees to give you all your money back? And in the meantime you get to enjoy the benefits of a Life and Total Permanent Disability coverage worth up to RM100,000.

It's a very affordable investment offering you the chance to have generous benefits at the lowest possible nett cost!

Monthly Premium Table
	Bronze (RM30,000)	Silver (RM50,000)	Gold (RM100,000)
Age next birthday	RM	RM	RM
16-39	42	58	96
40-44	61	89	159
45-50	88	134	251
51-55	121	191	366

Cash Refund After 10 Years
	Bronze (RM30,000)	Silver (RM50,000)	Gold (RM100,000)
Age next birthday	RM	RM	RM
16-39	5,040	6,960	11,520
40-44	7,320	10,680	19,080
45-50	10,560	16,080	30,120
51-55	14,520	22,920	43,920

After 10 years, the total amount of premiums paid will be refunded to the policy holder, subject to no claim being made against the policy during this period. Should the policy be cancelled after 3 years, a percentage of premium shall be refunded according to the number of years the policy is in force.

An illustration:
Let's say your birthday is on 15 January 1971. On and after 15 January 2001 (but before 15 January 2002), your age next birthday would be 31.

Thus, if you were to apply for the Money Back Life Assurance Plan on 16 January 2001 (assuming you choose Gold Plan), your monthly premium would be RM96. At the end of the 10 years, the sum of RM11,520* being the total amount of premiums paid would be paid in full, TAX FREE.

During the 10 year period, you have the security of having a Life and Total Permanent Disability coverage for RM100,000.

* Full payment will be made if there has been no claims made against the policy.

No medical check-up required

There are no embarrassing medical examinations. No paperwork. No hassle.

Easy payment through Maybank/Mayban Finance Autodebit Services.

We'll make it very easy. Just complete the Payment Instructions in the Enrolment Form and we'll do the rest. Your payments will always be on time and coverage will always be secure.

Satisfaction Guaranteed

If you are not satisfied with the policy, you may return the product within the first 30 days and we will return all your money back.

Send no money, we will bill you later

Mail or fax us the Enrolment Form today, but don't send money. We will bill you later. If everything is in order, you will be covered from the very first day of the policy commencement date.

How to apply

Just complete the Enrolment Form and send it to us either by fax or mail.

Need more help

If you have any other questions or concerns, you may review our compilation of Frequently Asked Questions by clicking here.

You may also contact our Customer Care Representative at TollFree: