Savings Plan with Extra Protection

Enjoy a savings plan that gives you guaranteed returns plus 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).

Key benefits explained
  • Flexible premium commitment

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

  • Guaranteed cash payout

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

  • Extra protection for Death and Total and Permanent Disability (TPD)

    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.

  • Potential dividends to enhance your wealth accumulation

    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.

  • Further potential upsides

    Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.

  • Lump sum benefit at maturity

    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).

  • Option to enhance protection by adding supplements

    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.

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Important Product Details
Underwritten by AXA AFFIN Life Insurance Berhad