• SunLink Max

SunLink Max is an investment-linked insurance plan that provides comprehensive coverage as follows:

  • Full premium allocation that comes with zero upfront fee
  • Basic insurance coverage with a wide range of 6 optional riders
  • Enjoy potential investment return
  • Enjoy the discount on basic cost of insurance for high sum assured
  • Maturity benefit¹
  • Flexiblity to choose different policy expiry term
     

1The maturity benefit will only payable upon the policy maturity when the life assured attained age 99.

Full premium allocation

  • Full amount of premium paid regardless of basic premium or top-up premium will be allocated into your policy and invested in the investment-linked funds of your choice.
  • It allows you to set aside your worries for a better tomorrow and look forward for a carefree retirement life.

Comprehensive and customisable insurance coverage²

  • This plan provides valuable benefits to you and your loved ones in the event of death or total and permanent disability (TPD3). The money can be used to pay off your debt and other living expenses. 
  • You can further enhance your protection needs with a wide range of 6 optional riders including: 
    • Hospitalisation and surgical benefit / Hospitalisation and surgical plus benefit
    • Multiple pay critical illness benefit
    • Accidental death benefit
    • Weekly disability income benefit
    • Life assured waiver of premium benefit
    • Policy owner waiver of premium benefit

Freedom to choose your investment direction

  • Enjoy the flexibility to opt from 8 professionally managed investment-linked funds according to your risk tolerance level and investment needs.
  • You can boost your investment return by scheduled or single top-up premium and switch your funds anytime.


Discount on basic Cost Of Insurance (COI)

  • You can enjoy a discount on the basic COI if you select a higher basic sum assured as follow :
Basic Sum Assured Discount on Basic COI
RM500,000- RM999,999 10%
RM1,000,000- RM2,499,000 15%
RM2,500,000 onwards 20%

 

Maturity Benefit (Applicable to the policy expiry at age 99)

Basic sum assured and total account value, less any indebtedness will be payable when the life assured survives until the end of policy term (age 99).

 

Flexibility to choose different policy expiry term

· Flexibility to choose different expiry term to best suit your financial needs:

  • Up to age 70
  • Up to age 80
  • Up to age 99

 

· Extension of insurance coverage (only applicable to expiry term up to age 70, 80 and policy term of 30 years)

 

· Upon expiration of the policy, the insurance coverage will be extended up to age 99, subject to additional premiums requirements.
No underwriting is required for this extension of insurance coverage.

²Any benefit payable will be subjected to the deduction of indebtedness (if any).

3TPD coverage will expire at the policy monthly anniversary immediately following the life assured’s attainment of age 70 and subject to maximum aggregate limit of RM8,000,000 per life.

Entry age (age birthday basis)

For life assured :

Policy Term 30 years Expiry Age 70 Expiry Age 80 Expiry Age 99
Minimum age at entry 18 years old 30 days old 30 days old 30 days old
Maximum age at entry 40 years old 50 years old 60 years old 70 years old*

*The maximum entry age for TPD coverage is 69 years old.

For policy owner:

The minimum entry age is 18 years old.

Policy term:
 
This plan provides 4 options of expiry term for your to choose from:
 
  • Expiry at age 70
  • Expiry at age 80
  • Expiry at age 99
  • Policy term for 30 years

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.

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.