Savings & Life Protection

AXASaver

Wealth Accumulation with Short-Term Commitment

Our life is full of dreams and goals we hope to achieve. Be it for retirement, child’s education, a dream home or even a well-deserved vacation, all these require proper financial planning to achieve your desired goal. However, if you’re facing a financial stretch in your career, committing to a long-term savings plan can be stressful. For this reason, AXASaver was designed to help you diversify your savings and achieve your financial goals. With just a short-term commitment of only 4 years, you can now build your wealth and enjoy protection at the same time.

Benefits

Short-term premium commitment with choice of policy terms
Guaranteed annual income up to 18% of p.a.
Legacy benefit

Commit for only 4 years to enjoy continuous savings and insurance protection for 16, 20, 25 or 30 years.

Enjoy guaranteed annual income of up to 18% of sum insured payable from the end of the 1st policy year until the policy matures.

Guaranteed annual income will continue to be payable to you or your loved ones until end of policy term even in the event of death or Total and Permanent Disability (TPD) prior to age 65.

Short-term premium commitment with choice of policy terms
Guaranteed annual income up to 18% of p.a.
Legacy benefit
Death and Total and Permanent Disability (TPD) Protection

Commit for only 4 years to enjoy continuous savings and insurance protection for 16, 20, 25 or 30 years.

Enjoy guaranteed annual income of up to 18% of sum insured payable from the end of the 1st policy year until the policy matures.

Guaranteed annual income will continue to be payable to you or your loved ones until end of policy term even in the event of death or Total and Permanent Disability (TPD) prior to age 65.

Upon death or TPD prior to age 65, a lump sum benefit will be paid out to you or your loved ones.

Short-term premium commitment with choice of policy terms
Guaranteed annual income up to 18% of p.a.

Commit for only 4 years to enjoy continuous savings and insurance protection for 16, 20, 25 or 30 years.

Enjoy guaranteed annual income of up to 18% of sum insured payable from the end of the 1st policy year until the policy matures.

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.

Options

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What we do not cover

1. Suicide within 1 year from the issue date or a date of reinstatement (if any), whichever is later.
2. Total Permanent Disability resulting from intentionally self-inflicted injury; any act due to war, declared or not; or military, naval or air service for any country at war, declared or not, any pre-exisiting, or recurring, injury or disablement prior to Issue Date or any date of reinstatement and participation in hazardous activities, any form of racing other than on foot, or any speed or endurance contest.

For the full list of exclusions, kindly refer to our brochure, available for download below.

The product is not for you if...

Your age is 66 and above.

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Fequently Asked Questions

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Download policy documents here

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