Plan Benefits

1. Death benefit equals to sum assured plus accumulated cash bonuses (if any) and Terminal Bonus on Death (if any) will be payable in one lump sum

2. Total Permanent Disability (TPD) benefit are the same as death benefit above.

3. Survival Benefit which is the guaranteed cash payment of 4.25% of the Basic Sum Assured will be payable from the end of the 10th year, until maturity or death of the life assured, whichever is earlier.


4. Cash Bonus (Non-Guaranteed) - Starting from the end of the 2nd year, Cash Bonus will be declared annually on the Basic Sum Assured. Thereafter annual Cash Bonus will become payable on each policy anniversary, provided
the Life Assured is alive and the policy is still in force.


5. Maturity Benefit : Upon the survival on the Life Assured to the maturity date of the policy (age 87), Basic Sum Assured, Accumulated Survival Benefit (if accumulated with the Company), Terminal Bonus on Maturity and Cash Bonus (if any and if accumulated with the Company) shall be payable.

You will be interested to own a GJA plan if….

• You are looking for a traditional plan that provides an annuity yearly income.
• 
  
• You are looking for a saving plan that gives potentially better return than fixed deposit.
• 
  
• You like the guaranteed features: guaranteed premium and guaranteed survival benefit
• 
  
• You don’t like to pay insurance premium in your entire life
• 
  
• You already have sufficient protection. GJA just serve as one of your force saving tool.

WHY IS GJA SO ATTRACTIVE?

• Guaranteed protection increment - when the plan is converted into a fully paid-up whole life plan at the end of the 10th policy year, the Junior Advantage Rider Series 2 (JAR) will be terminated and the death and maturity benefit of the basic policy will be revised to 150% of basic sum assured.
• 
  
• Only need to pay for 10 years - When the policy is converted into a fully paid-up whole life plan, there is no need to pay premium after that but still enjoy the protection up to age 87
• 
  
• Yearly income receivable - starting from the end of the 10th year, the policyholder will get a constant income of a guaranteed 4.25% (of Basic Sum Assured ) plus a non-guaranteed 3.25% cash bonus every year. This serves like an annuity which can provide the basic living expenses. This income stream works like a pension scheme - you receive a constant payment as long as you live.
• 
  
• Attractive maturity benefit - When the life assured passed away, the beneficiaries will receive the death benefit which is definitely more than the total premium paid. If the life assured can live up to age 87,he/she can still get a maturity benefit plus terminal bonus which is a few times more than the total premium paid.
• 
  
• Force saving and force spending features - when you committed in such a saving plan, you need to pay the premium for 10 years consecutively. It forces you to save because if you don’t pay the premium, you might jeopardize the policyholder’s benefit. After 10 years, the income receivable is also not in a lump sum. This will tend to control your spending habit and make you do the right budgeting. This is the basic principle of being financially free — save as much as possible in the shortest time, and then spend accordingly for a longer period of time that won’t reduce the principle amount saved.

GREAT JUNIOR ADVANTAGE PLAN

DARI

GREAT EASTERN LIFE ASSURANCE (M) BHD.

Skim Pelaburan/Simpanan Jangka Panjang.

Simpan hanya 10kali bayaran premium tahunan dan nikmati manfaat pulangan sehingga umur 87 tahun.

Cth: En. Ali berusia 24 tahun semasa menyertai Skim Pelaburan/Simpanan ini. Beliau membuat 10kali bayaran premium tahunan dan berhenti membuat bayaran pada usia 34 tahun. Beliau akan menerima manfaat pulangan dari usia 34 tahun sehingga usia 87 tahun.

Hanya 10 Tahun Bayaran atau 10 kali Bayaran.

Cth: RM50,000.00 setahun x 10 tahun = RM500,000.00

Dari tahun ke 10 bayaran dibuat, RM25,000.00 dibayar setiap tahun sehingga usia 87 tahun .

Bayaran Minimum : RM5,000.00 setahun

Bayaran Maximum : RM150,000.00 setahun

Jika ditimpa musibah:

1. Kematian (manfaat kematian dibayar)
2. Kecacatan kekal ( bayaran premium berikutnya
dikecualikan)
3. Penyakit merbahaya (bayaran premium berikutnya
dikecualikan)

Simpan seberapa banyak yang mungkin dalam jangkamasa yang singkat, kemudian belanjakan faedahnya untuk jangkamasa yang panjang tanpa mengurangkan jumlah simpanan asal.

Hubungi En. H. Mohd Amir Yahya di 6019-7721327 untuk keterangan lanjut

GREAT JUNIOR ADVANTAGE PLAN

FROM

GREAT EASTERN LIFE ASSURANCE (M) BHD.

Long Term Investment/Saving Plan

Save only 10 annual premium and enjoy the survival benefit till age 87.

e.g: Mr. Lim is 24yrs of age and bought this Investment/Saving Plan.

He makes only 10 annual premium and stops contributing at age 34. From age 34 onwards he will receive the survival benefits till age 87.

Only 10 Years Payment or 10 Times Payment.

e.g: RM50,000.00 per year x 10 years = Total Paid Up RM500,000.00

From the tenth year onwards RM25,000.00 is paid yearly to the

Life Assured till age 87.

Minimum Payment : RM5,000.00 per year

Maximum Payment : RM150,000.00 per year

If misfortune occurs :

1. Death (death benefits is paid)
2. Disability (future premium is waived)
3. Disease (future premium is waived)

Save as much as possible in the shortest time, and then spend accordingly for a longer period of time that won’t reduce the principle amount saved.

Call Mr. H. Mohd Amir Yahya at 6019-7721327 for further information