A New Plan to Create and Protect Your Wealth

Protect your wealth and enjoy great return of investment

AXA Wealth Creator

Are creating wealth and achieving financial freedom your long-term goals in life? When you are too focused on wealth creation and accumulation, there may be an oversight on wealth protection. Any unforeseen circumstance might jeopardise your efforts overnight, leaving your loved ones in a worrying state.

We at AXA AFFIN Life Insurance acknowledge your need for wealth creation, accumulation and distribution. Let AXA Wealth Creator – our best legacy plan – protect you and your wealth throughout the entire wealth management journey. Leave the hard work to us to manage your wealth protection!

Key benefits explained
  • Short premium payment terms

    We have 4 premium term options that you can choose to suit your financial planning needs. The premium terms are 5, 10, 15 or 20 years.

  • Death or Total & Permanent Disability (TPD)¹ benefit

    In the event of Death or TPD (before age 70), we shall pay you the amount which is higher of
    a. Basic Sum Insured less withdrawals², or
    b. Account Value (if any)

  • Accidental Death or TPD³ benefit

    If Death or TPD⁴ due to accidental causes occurs before age 70, we shall pay you the following in additional to the Death or TPD benefit respectively:
    If Accidental Death and TPD, 100% of sum insured will be payable.
    If Accidental Death in or on Public Conveyance of Land Transportation, 200% of sum insured will be payable.
    If Accidental Death in or on Public Conveyance of Water or Air Transportation, 300% of sum insured will be payable.
    If Accidental Death in or on Public Conveyance during Public Holiday, 400% of sum insured will be payable.

  • Terminal illness benefit

    If you are diagnosed with terminal illness, 100% of the death benefit will be payable.

  • 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.

    ¹Any withdrawal made within the past 12 months from the date of the insured’s death or suffers from TPD.
    ²The maximum payout of TPD Benefit is subject to RM4,000,000 per life.
    ³The maximum payout of additional Accidental Death or TPD Benefit is subject to RM 3 million per life.
    ⁴In the event of the Insured’s Death or TPD due to accidental causes before age 70, if there is more than one claim is admitted, only the highest of any one of the benefits shown in the table above is payable.
    ⁵You will be notified on the renewal option at least 90 days prior to the plan’s expiry age.

Interested in this product?
What we do not cover?

1. Suicide within twelve (12) months from the issue date or any date of reinstatement, whichever is later.
2. TPD 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.

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

This product is not for you if...

Your age is 71 and above.

Important Product Details
Underwritten by AXA AFFIN Life Insurance Berhad