• Sun Income Secure Max

Living an enriched life should not stop at retirement.

Sun Income Secure Max is a regular premium investment-linked insurance plan packaged with non-participating plan to offer protection, investment and savings in one product. In the event of death, Total and Permanent Disability (TPD) of life assured or upon the maturity of the policy, a lump sum of sum assured and total account value (if any) less any indebtedness, will be payable.

This plan also provides Guaranteed Yearly Income (GYI) every year for up to 20 years, starting from the pre-selected retirement age. It further provides an additional 50% of GYI amount for the first 3 years of GYI payout. Life Assured has the option to choose the desired retirement age of 50, 55, 60 or 65 years old upon enrolment.

Full premium for main benefits and top-up (if any) will be allocated in your policy and invested in the investment-linked funds of your choice, which yields better potential upside returns.

Death or Total and Permanent Disability (TPD)* benefit

Receives a lump sum of the sum assured and total account value (if any), less any indebtedness should any unfortunate event happen.

Maturity benefit

Receives a lump sum of the sum assured and total account value (if any), less any indebtedness when the main benefits mature at Life Assured’s age 99.

Guaranteed Yearly Income (GYI) benefit***

Receive GYI for up to 20 years, starting from the pre-selected retirement age at age 50, 55, 60 or 65 years old.

 

Guaranteed Yearly Income (GYI) booster benefit***

Receive an additional 50% of the GYI amount for the first 3 years, starting from the pre-selected retirement age.

Death or Total and Permanent Disability (TPD)* benefit

• Receive higher of 110% of total premium paid of this additional benefits or 110% of cash value of this additional benefits

• This benefit is payable on top of the main benefits for death or TPD benefit

*TPD coverage will expire at the policy monthly anniversary following the Life Assured’s attainment of age 70 and subject to maximum aggregate limit of RM8,000,000 per life.

** These additional benefits shall terminate upon the first occurrence of either death or TPD of the Life Assured or following the final payment of the GYI benefit.

***The first GYI payment shall commence on the policy anniversary immediately following the Life Assured’s pre-selected retirement age, less any indebtedness.

Entry age shall be based on the age of your last birthday basis

Entry age limit for Life Assured shall be based on retirement age chosen:

Retirement Age Age 50 Age 55 Age 60 Age 65
Min entry age 30 years old 35 years old 40 years old 45 years old
Max entry age 40 years old 45 years old 50 years old 55 years old


Entry age limit for Policy Owner:

Description Entry Age
Minimum 30 years old
Maximum 99 years old


This product is underwritten by Sun Life Malaysia Assurance Berhad (197499-U), an Insurer registered with Bank Negara Malaysia under the Financial Services Act 2013.

PIDM Clause:

Sun Life Malaysia is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by Sun Life Malaysia are protected against loss of part or all of the insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of the coverage, please visit the PIDM website (https://www.pidm.gov.my) or call the PIDM toll free line at 1-800-88-1266. 

Disclaimer: The description of the features and benefits of the insurance product herein is not a contract of insurance and is only a brief summary of the insurance product for quick and easy reference. The complete terms and conditions of the insurance product are contained in the Policy Document of Sun Life Malaysia Assurance Berhad (197499-U), the Insurer.

CIMB Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this insurance product and the services provided by the Insurer. The Bank merely acts as a distributor for this insurance product.

This insurance product is Sun Life Malaysia's product and not a product of the Bank. Therefore this insurance product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and  the Insurer shall undertake the full insurance  responsibilities, obligations and liabilities in respect of this insurance product.

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