ING i CASH EXTRA INSURANCE

We all have dreams and goals we would like to achieve and we need to take the necessary steps if we want to make sure that these goals are realized. Wouldn’t it be a disappointment for you and your family to find out too late that your lifetime goal is out of your financial reach? To avoid this, all you need to do is to take action now. ING can help you turn your dream goals into reality.

ING I Income Protection

ING Child Business Capital

ING I-Income can make a difference to your financial Security that lasts a lifetime

Invest into a solid financial plan today and reap the benefits of a secure future tomorrow. ING I-Income can make a difference to your financial future.

It is a plan that comes with a guarantee is yours to enjoy even up to the age of 82.

What are the benefits offered?

Insurance protection

• You will get extra protection on top of your insured amount for death4 and total permanent disability4 caused by accidents.

• Upon death, an added 25% of the initial insured amount will be given as funeral expenses.

• Covers death and total permanent disability. Coverage will be increased to 110% of the initial insured amount from 11th policy year onwards..

Guaranteed annual cash payments

• Each cash payment is 4% of the initial insured amount and is guaranteed throughout the policy duration.

• Payable yearly from the end of 10th policy year up to its maturity at age 82.

• As an example, for an initial insured amount of RM 100,000; the annual cash payment will be RM 4,000.

Dividend payments

• Annual cash dividends are payable yearly into your policy from the end of 2nd year onwards. You can either cash it out or accumulate it to earn interest with ING.

• Apart from the annual cash payments, your policy also gives you the opportunity to earn more in the form of non-guaranteed dividends.

• Meanwhile terminal dividend is payable only upon policy termination or maturity.

Conversion Privilege

• Premium duration is for 20 years.

• However if you exercise the Conversion Privilege (to convert the policy to Fully Paid-up3), the premium payment term will be shortened to 10 years.

1 Also known as Interim Cash Payment in the policy contract.

2 Terms and conditions apply.

3 All riders attached (except for CTPDB rider covering for disability) will be terminated when Conversion Privilege is exercised.

4 Coverage for accidental death is up to age 70 while accidental total permanent disability is up to age 65.

This write-up only contains a brief description of the product. It is recommended that you read the ING I-Income brochure and request for a copy of the ING Quotation System Illustration to know more about this plan. For a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.

ING SMI PLAN

Small Medium Industry Insurance

ING Invest after 55

Lets you retire from work but not from life

Retirement should be free from daily trivia, with freedom to live our days as we please. With wise planning, we all can retire to celebrate an exciting new chapter of our lives.

If you prefer investments that are less risky, or you need diversity in your current investments or if you have not started any form of retirement planning, ING I-Retire is meant for you. This is a plan with a short premium paying duration of 20 years or up to age 60, whichever is earlier.

ING I-Retire not only gives you more flexibility to reach for the dreams you aspire but it can also aid in offering security to your family. Retirement is definitely easier with ING I-Retire.

Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.

Benefits:

• Life protection and total and permanent disability coverage - sum insured is 20 times the annual retirement income;

• Maturity benefit – the lump sum maturity benefit consists of the insured amount and non-guaranteed dividends in the form of accumulated cash dividend (if any) and terminal dividend (if any);

• Annual retirement income (appx 5.00% of sum insured) – you get to determine the amount of retirement income during policy inception, in multiples of RM 120;

• Annual cash dividends (appx 7.5% of sum insured)– the amount will be declared yearly but is not guaranteed;

• Terminal dividends – the amount is not guaranteed and will be payable upon termination or maturity of policy;

• Family income benefit – payable annually for a maximum of 20 years if death or total and permanent disability happens before or upon age 45. The number of annual payment reduces if death or disability occurs after 45, but before age 65. More details on how this works, can be found in the policy contract.

This income is described as the Interim Cash Payment in the policy contract

This write-up contains only a brief description of the product and is therefore recommended to be read together with I-Retire’s brochure. However, for a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.

Calculate Your Retirement Business Fund

ING Female Care Maternity - Pregnancy Complication Insurance

The answer to every woman healthcare need
Women play many different roles in today society. From the woman who celebrating her youth to the one who is at the prime of motherhood, each has a unique story with many challenges ahead of her.

ING Unit Linked Female Care and UL Female Care Plus riders are created to provide protection and security to women. Attached to the ING Prime Life Insurance plan, these funded riders cover specific female illnesses. In addition, the UL Female Care Plus rider covers maternity benefits.

For the woman who is about to start her first job or one who’s planning a family, these female riders are the perfect solution for her. It is the answer to every woman healthcare need.

BENEFITS:
• Female specific illnesses
• Includes certain early stage cancers! This includes carcinoma-in-situ
of the breast, uterus, cervix uteri, ovary, fallopian tube, vagina, vulva,
lung and colorectal.
• Facial reconstruction due to accidents
• Maternity benefits for UL Female Care Plus rider. Know more