Savings & Life Protection

PaySaver+

Savings Plan with Extra Protection

To build a better life and realise your dreams, you should not leave anything to chance. Now with PaySaver+ you can enjoy the benefit of a savings plan that enhances your life protection so you can reap fruitful financial rewards while having additional contingency funds in the unfortunate event of death or Total and Permanent Disability (TPD).

Benefits

Flexible premium commitment
Guaranteed cash payout
Extra protection for Death and Total and Permanent Disability (TPD)

Option to choose premium payment term of either 15 or 20 years to suit your financial needs, commitment and affordability.

Enjoy certainty with guaranteed cash endowments payable as early as the end of the 2nd policy year.

Additional 100% of basic sum insured for death or TPD due to accident. Additional 200% of basic sum insured for death or TPD due to accident in public conveyance / building. Additional 300% of basic sum insured for death or TPD due to dengue or Zika.

Flexible premium commitment
Guaranteed cash payout
Extra protection for Death and Total and Permanent Disability (TPD)
Potential dividends to enhance your wealth accumulation

Option to choose premium payment term of either 15 or 20 years to suit your financial needs, commitment and affordability.

Enjoy certainty with guaranteed cash endowments payable as early as the end of the 2nd policy year.

Additional 100% of basic sum insured for death or TPD due to accident. Additional 200% of basic sum insured for death or TPD due to accident in public conveyance / building. Additional 300% of basic sum insured for death or TPD due to dengue or Zika.

Receive additional non-guaranteed cash dividends from the end of the 2nd policy year plus benefit from terminal dividends upon surrender, maturity or in the unfortunate event of death or TPD.

Flexible premium commitment
Guaranteed cash payout

Option to choose premium payment term of either 15 or 20 years to suit your financial needs, commitment and affordability.

Enjoy certainty with guaranteed cash endowments payable as early as the end of the 2nd policy year.

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

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Fequently Asked Questions

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Download policy documents here

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