Great Eastern

Underwritten by Great Eastern Life Assurance (Malaysia) Berhad

Great Eastern SmartProtect Max

Guaranteed increase in your sum assured every year throughout your policy term! Enjoy long term coverage and choice to pay premiums for up to 20 years only.

    • RM500k Minimum Sum Assured
    • Death Coverage Until Age 80
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured

Get covered now with Great Eastern SmartProtect Max

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How to Claim

Who do I call to make a claim or state an emergency?

Great Eastern Hotline
  •  1300130088
  • Features

    What makes this Great Eastern insurance policy stand out?

    Cover Term
    protection up to age 80
    Premium Type
    flat rate. stays the same throughout policy term.
    Plan Conversion
    option to convert to whole-life plan
    Income Tax Relief
    up to a maximum of RM6,000 a year.

    Protection for Your Family

    How will Great Eastern help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    Natural Death
    A lump-sum payment to your family when you die of natural causes
    up to 80 years oldYes, up to 100% of sum assured
     
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    up to 65 years oldYes, up to 100% of sum assured
     

    Age Requirements

    Am I eligible to apply for this Great Eastern insurance?

    Minimum Age
    at least 19 years of age
    Maximum Age
    at most 69 years of age
    Expiry Age
    at most 80 years of age

    Frequently Asked Questions about Great Eastern SmartProtect Max

    Things you might want to know

    What is Great Eastern SmartProtect Max?

    SmartProtect Max is a term life insurance policy by Great Eastern which also doubles up as an investment plan - great for your child's future college fees, expensive medical expenses, and family emergency savings.

    Unlike regular term life insurance policies which makes sure you get back only your original sum assured amount in the event of death or total and permanent disability, an additional 1% will be added each year to the sum assured. 

    With that said, imagine how much more you'll be guaranteed to receive when you're loyal to Great Eastern!

    Tell me more about my yearly bonus?

    Here's an example. Sally, who is 35 years old, bought this Great Eastern term life insurance policy for a sum assured of RM500,000. 

     Now at 40 years old, she would've accumulated an additional RM25,000 on top of her original amount over only 5 years! It'll be great to have that added layer of security on top of an active savings account or FD investment.

    But much will I be covered for death or permanent disability?

    You can get started with this Great Eastern term life policy at a basic sum assured of RM500,000. 

    Should you die or become handicapped because of an ongoing injury or sickness, SmartProtect Max can guarantee that you or your family will get a lump-sum cash payment of your total sum assured or your total investment value, whichever is higher.

    How do I invest with SmartProtect Max?

    A portion of your insurance premiums will go towards unit funds which you can pick and choose to fit your risk preferences and investment style. You’ll be able to choose from a list of attractive unit funds such as Lion Enchanced Equity Fund, Lion Strategic Fund, Diana Sejati, and Dana Gemilang.

    To top that off, this plan offers No-Lapse Guarantee in the first 6 policy years. It simply means that your policy is still valid even when your total investment value becomes zero. However, this feature is applicable only if you pay the premiums consistently before the due date or during the grace period with no cash withdrawals within the first 6 years.

    How long will I be covered for?

    Depending on your needs, you can choose from terms up to 30 years where you can choose your premium payment term ranging from 5, 10 or 20 years to suit your family's lifestyle and budget. The premiums rate is guaranteed throughout the coverage period - no surprises!

    Who can buy this insurance policy?

    Individuals as young as 19 years old are eligible to be enrolled in Great Eastern SmartProtect Max, while the maximum entry age being 69 years old.

    Can I convert the SmartProtect Max to a permanent whole-life plan?

    Yes, you are allowed to convert your current SmartProtect Max policy to a permanent whole life or endowment plan at maturity, but you must do so not later than age of 80 years.

    Any other fees and charges I should be aware of?

    There's a monthly policy fee of RM6 while the fund management charge can range from 0.5% to 1.5% a year depending on your choice of investment fund - choose wisely!

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