A hassle-free & rewarding savings plan
AXA Aspire Invest is a hybrid savings plan, designed to help you to save now and at the same time provide protection against any unforeseen events that might happen to you.
The plan consists of a Non-Participating Component that provides you stable returns with guaranteed benefits. On the other hand, AXA Aspire Invest also comprises an Investment-Linked Component that provides you with potentially higher returns.
With the best of both worlds, AXA Aspire Invest can boost your savings through a well-balanced risk exposure. This plan has a short period of premium payment for you to commit to your savings goal and you can enjoy the benefits for up to 30 years.
There are 4 special features to help you to receive potential cash rewards in the future. These 4 special features are Loyalty Bonus, Savings Booster, Maturity Booster and Guaranteed Maturity Value. We introduced this product with just one goal in mind - to help you to reach your savings goal surely and safely!
Benefits
More Rewards for Your Commitment
Secure Your Maturity Benefit
Hassle-Free Enrolment
Saving with AXA Aspire Invest is easy and rewarding. From the 6th policy year, we will credit additional value to your savings as Loyalty Bonus. On top of that, we will celebrate your 10th policy anniversary with AXA Aspire Invest by rewarding you with a Savings Booster which can be up to 43% of the Basic Sum Insured.
We protect your savings goal by providing a Maturity Booster when your policy matures, which can boost up your savings value by up to 55% of your Basic Sum Insured. Furthermore, we provide Guaranteed Maturity Value up to 272% of your Basic Sum Insured. Upon maturity, by combining savings value from Non-Participating Component and Investment-Linked Component, you will enjoy much higher returns.
Start saving with us, just by answering a simple health questionnaire.
More Rewards for Your Commitment
Secure Your Maturity Benefit
Hassle-Free Enrolment
Saving with AXA Aspire Invest is easy and rewarding. From the 6th policy year, we will credit additional value to your savings as Loyalty Bonus. On top of that, we will celebrate your 10th policy anniversary with AXA Aspire Invest by rewarding you with a Savings Booster which can be up to 43% of the Basic Sum Insured.
We protect your savings goal by providing a Maturity Booster when your policy matures, which can boost up your savings value by up to 55% of your Basic Sum Insured. Furthermore, we provide Guaranteed Maturity Value up to 272% of your Basic Sum Insured. Upon maturity, by combining savings value from Non-Participating Component and Investment-Linked Component, you will enjoy much higher returns.
Start saving with us, just by answering a simple health questionnaire.
More Rewards for Your Commitment
Secure Your Maturity Benefit
Saving with AXA Aspire Invest is easy and rewarding. From the 6th policy year, we will credit additional value to your savings as Loyalty Bonus. On top of that, we will celebrate your 10th policy anniversary with AXA Aspire Invest by rewarding you with a Savings Booster which can be up to 43% of the Basic Sum Insured.
We protect your savings goal by providing a Maturity Booster when your policy matures, which can boost up your savings value by up to 55% of your Basic Sum Insured. Furthermore, we provide Guaranteed Maturity Value up to 272% of your Basic Sum Insured. Upon maturity, by combining savings value from Non-Participating Component and Investment-Linked Component, you will enjoy much higher returns.
Flexible sum insured
Choose a pay-out amount starting from RM25,000 to RM500,000.
Easy and simple sign-up
Just answer 4 simple questions. No medical examinations required!
Maturity benefit
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your Account Value (if any).
Loyalty bonus
Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited into your account value.
Loyalty booster
On 20th policy anniversary, an additional 20% of the average monthly account value over the last 10 years will be credited to your account value based.
Guaranteed renewal
Your policy is guaranteed to be renewed up to age 100 at your option⁵ and without underwriting.
Short Term Financial Commitment
Start and end your financial commitment early so that you can enjoy life now! AXA Aspire Invest requires 5 years premium payment term only and you can harvest your investment returns after 15, 20 or 30 years.
Death or Total & Permanent Disability (TPD) Benefit
Protect you and your family against any unforeseen circumstances that might happen to you such as death or TPD before age 70.
Additional Accidental Death or TPD Benefit
In the event of an accident that causes death or TPD before age 70, we will pay an additional 100% of the total premium paid, and subject to RM 2,000,000 per life.
Potential dividends to enhance your wealth accumulation
Further potential upsides
Lump sum benefit at maturity
Receive additional non-guaranteed cash dividends that is projected to be payable from the end of the 2nd policy year.
Enjoy the flexibility to invest your guaranteed annual income and non-guaranteed cash dividends into our professionally managed investment funds to enhance your returns.
Receive lump sum payment of basic sum insured, non-guaranteed terminal dividend (if any), accumulated annual income (if any) and accumulated non-guaranteed cash dividends (if any) at maturity.
Further potential upsides
Lump sum benefit at maturity
Option to enhance protection by adding supplements
Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.
Upon maturity, you will receive the lump sum payment of basic sum insured as well as non-guaranteed terminal dividend, accumulated cash endowment, and accumulated non-guaranteed cash dividends (if any).
You can enhance your protection by combining PaySaver+ to Payor Benefit Add-ons, Waiver of Premium Add-ons or Spouse Payor Benefit Add-ons to enhance your protection. While additional premiums are required for supplementary protection, your premiums will be waived should an unexpected event happen to you.
What we do not cover
a. Death due to suicide within twelve (12) months from the issue date or any date of reinstatement, whichever is later.
b. TPD due to:
i. any self-inflicted injury or suicide, while sane or insane;
ii. service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or making an arrest as an officer of the law;
iii. any pre-existing or recurring, injury, disease, illness or disablement which the Insured suffered prior to Issue Date or any date of reinstatement of this Policy, whichever is later;
iv. participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest;
v. participation in any airborne activities other than as a fare-paying passenger on a public licensed air service;
vi. the attempt or commission of assault or any unlawful act by the Insured; or
vii. events while under the influence of alcohol, any narcotics, drugs or substance abuse.
c. Accidental Death or TPD due to:
i. any self-inflicted injury or suicide, while sane or insane;
ii. disease or infection of any kind (unless the bacterial infections occur in connection with or as a consequence of accidental bodily injury);
iii. taking poison, drugs not prescribed by Medical Practitioner, alcohol, sedatives, or inhaling gas (except from hazard incidental to occupation);
iv. the attempt or commission of assault or any unlawful act by the Insured;
v. service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or making an arrest as an officer of the law;
vi. participation in any airborne activities other than as a fare-paying passenger on a public licensed air service;
vii. pregnancy, childbirth, miscarriage or any of their consequences;
viii. pre-existing physical or mental defect or infirmity;
ix. any act due to strike, riot and civil commotion;
x. any pre-existing, or recurring, injury, disease, illness or disablement which the Insured suffered prior to Issue Date or any date of reinstatement of this Policy, whichever is later; or
xi. participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest.
For the full list of exclusions, kindly refer to the product brochure, available for download below.
