ING Premier Recovery Plan

Fund Close at 28 August 2009

Due to the current economic uncertainty, many are fleeing away from the investment market. Wat about you? With ING Premier Recovery Plan, you are about to discover reasons that may compel you to stay.

ING Premier Recovery Plan is a Malaysian Ringgit - deniminated structured fund with a maturity period of 5 years that invests in an Austrarian Dollar - denominated Notes issued by ING Bank N.V. It is a close-ended fund that is offered for a limited period of 45 days only.

• 100% return of your Capital (from here onwards to be known as Austririan Dollar nominal amount) upon maturity.

• Converted Ringgit Malaysia (RM) to Australian Dollar (AUD).

• Opportunity to participate into currency exchange benefits.

• Fixed annual Coupon in the first 4 years of the plan duration.

• Potential additional retunrs at maturity from the recovery of global markets.

• Limited to maximum 5 years investment period.

• Participate into Energy, Technology, Finance & Trades

• 1 Time Management Fees Charged for whole investment Tenure.

• Free insurance protection on DEATH & DISABILITY upto Max 125%

• No exit Fee (during middle of investment time)

• Dynamic investment strategy

• Proffesional fund managers

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Terms&Conditions Apply

INGEasi For Family

Advantages & Disadvantages of Life Products

Traditional Life Product Limitations
• Sum assured and premium are 100% linked up
An increase in premium will lead to a corresponding increase in sum assured. There is no way for policyholders to directmore money towards investment due to this direct link.

• There is no choice of investment
All investment is participated in the Company’s Life fund, where investment is governed by Bank Negara’s guideline. This applies to all policyholders irrespective of their age and risk profile The policyholder does not have any choice in deciding which investment portfolio they wish to invest in. The above constraints make traditional product very inflexible to meet customers’ needs.

Flexibilities Of Unit Linked Products
• Flexibility in determining the amount of sum assured and premium.
Policyholders Decide on the premium (minimum   annual premium of RM1500) depending on their current financial capability and subsequently they can increase/reduce the premium based on their affordability. The same applies to the sum assured.

• Premium top-up to improve investment yield
Policyholders can top-up their premium anytime on ad-hoc basis or on a  fixed interval basis (scheduled top-up).As a result of this, the account value of the plan will be expanded for potentially better yield.

• Choice of fund(s)
Policyholders decide on their preferred fund(s) depending on their risk appetite, investment horizon and financial goal. Policyholders can make fund switching as and when necessary.

SMS or CALL +6012 207 5770

Suggestion: Suitable for those who under employed for them to start a new family.

1. Lowest premium with highest financial protection covered
a. DEATH
b. DISABILITY
c. CRITICAL ILLNESS
d. PERSONAL ACCIDENT
e. MONTHLY INCOME
f. HOSPITAL INCOME

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ING Medical Health Insurance up to Age 85

LAST ENTRY AGE IS AGE 70

Your healthcare needs fulfilled at affordable costs

With the escalating costs in today living, it is wise to take measures and exercise prudence in our spending. We are not spared when medical costs increase and we should not compromise on our health.

When an unforeseen event especially concerning health happens to you, your loved ones and friends are also affected. What you need most at this time is to concentrate on immediate treatment and recovery. Mounting hospital bills should be the least of your worries. As our population mortality rate improves, the plan coverage up to age 80 years ensures you receive quality healthcare during the time you need it most.

Attached to ING Prime Life Insurance, this rider covers hospitalisation and out-of-hospital expenses. If you opt for the cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first. For non-cashless facility, you settle the medical expenses first, and submit for reimbursement later.

Escalating costs? No worries, UL MediPlus will be there for you.

Benefits:

• CASHLESS MEDICAL CARD.

• Hospitalisation and surgical benefits

• Out-of hospital benefits

• Daily cash allowance if you’re hospitalized at a Malaysian government hospital

• 24 x 7 referral emergency assistance

• Included life insurance & total permanent disability & Critical illnesses coverage

The above basic premium shown for Plan 1 which participate into unit link fund investment purposes.

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ING Home Insurance

householder & Content Insurance

Insurance For Residential Property
There are three types of policies that you can purchase to protect your home and its contents.

Basic Fire Policy
This policy provides coverage for building and/or the contents and it covers loss or damage caused by fire, lightning or explosion by gas used for domestic purposes.

House Owner Policy
This policy provides you with coverage for your building only and it covers loss or damage caused by fire, lightning or explosion caused by gas used for domestic purposes including flood, bursting of water pipes/tanks, aircraft damage, storm, earthquake and theft.

House Holder policy
This policy provides you with coverage for your household contents only and it covers loss or damage caused by fire, lightning or explosion caused by gas used for domestic purposes including flood, bursting of water pipes/tanks, aircraft damage, storm, earthquake and theft.

It is advisable to insure your residential buildings under the Houseowner policy and your household contents in the Householder policy.

If your property (buildings) is under financing, you will be requested to take up a Houseowner policy and beside this policy, the financier will also required you to take up a mortgage reducing term assurance (MRTA) policy to cover the financier interest. For more information on the MRTA policy, you will need to refer from our Mortgage Division.

Important points to note when buying insurance for your property applicable to Fire and Houseowner/Householder insurance:

House Owner
• Insured value - You are to ensure that your property is adequately insured at all times, taking into account the renovations and enhancements made to your property. The sum insured should cover the cost or rebuilding your property in the event of loss/damage.

If your property is under financing, you should ensure that the financier has taken adequate cover. In normal circumstances, the coverage arranged by the financier will be for the amount of loan taken. You may, therefore, want to take up a separate insurance cover for the balance of the amount.

For contents, ING pay the value of a brand new item under reinstatement basis or on a depreciated value of item lost under the replacement basis.

• Strata-titled properties
- Master policy and individual certificate of insurance
If you own a strata-titled property, e.g. an apartment, the company managing your apartment (known as Management corporation (MC)) is required to take up insurance under a master policy. You must ensure that you get a copy of your individual certificate of insurance for your property to check the coverage taken up under the master policy by your MC.

- Property under financing
If your apartment is under financing, the financier may require you to purchase another houseowner policy to cover the loan taken. This will result in double-insurance. However, if your property is financed by a bank or finance company under the supervision of Bank Negara Malaysia (BNM), it has been agreed that your financier will not require you to purchase another insurance policy but it will accept the insurance policy purchased by the MC as evidence of insurance for your unit. However, the MC needs to comply with the terms and conditions required by the lending institution e.g. the insurance covers the minimum risks such as fire, subsidence and landslip.

ING House Holder policy (inclusive of the All Risks policy)
• Basis of compensation - You should decide on the basis of compensation of your householder policy, whether it is on reinstatement or replacement value. You will be compensated with the value of a brand new item under reinstatement basis but on the depreciated value of item lost under replacement basis.

• Specific declaration of each item You must specifically declare each item to be insured under the policy to ensure that you get the full compensation in the event of loss/damage. It is advisable to also keep receipts of items insured, if available.

Duty of disclosure - You should disclose fully all material facts in the proposal form. When in doubt as to whether a fact is relevant or not, it is best to ask ING or its agent. If you fail to disclose any material fact, ING may refuse to pay your claim.

Premiums - The pricing for the premiums computation will have to depend on the type of policy selected, the charges is in accordance with the Revised Fire Tariff governed by PIAM (Persatuan Insurans Am Malaysia). The rating is based on the type of building and construction materials used.

Coverage
This package is specially designed to take care of all the insured’s needs within one policy.

Section 1 HOUSE OWNERS INSURANCE Covers the Insured Private Dwellings (buildings) against loss or damage by the following perils (Standard Coverage):

- Fire and lightning
- Explosion
- Impact by aircraft or third party road vehicles
- Theft evidence of forcible and violent entry or exit has to be proven
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Storm, earthquake and flood

Additional Perils (if required, additional charges will be imposed) . They are:

- Riot, strike and malicious damage
- Subsidence and Landslip
- Alteration and Repair Clause

Section 2 HOUSE HOLDERS INSURANCE Covers the insured contents in his/her house against loss or damage by perils similar to the Houseowners insurance.

Section 3 ALL RISKS INSURANCE Covers the insured jewellery and valuables against fire, theft and accidental loss or damage both in the home and elsewhere in Malaysia and Singapore. Temporary visits overseas are also covered.

Purchase receipts and/or other means of establishing value documents are required to be submitted before cover commence.

The following ARE NOT covered:
• Wear and tear, depreciation, gradual deterioration, loss or damage caused by moth, vermin or from any process of cleaning or restoring any articles.
• War, civil commotion and radioactivity.
• Confiscation or detention by customs or other official authorities.
• Mechanical & electrical derangement, scratching, breakage of lenses or glass.

Note:
a. Handphones, laptop, notebooks and watches are excluded unless approved by the Company.
b. To provide list of valuables insured together with the purchase receipts/invoices or other means of documents to establish the values before cover commences.
c. Maximum acceptance is RM50,000 with limit of RM5,000 per item provided a list of the valuables is declared.

Acceptance of this ING Personal Package is based on the building construction of Class 1A, 1B and 2 only.

Definition of building construction:

Class Walls Roof

1A Bricks/Concrete Tiles/Concrete/Zinc/Asbestos

1B Partly Bricks/Concrete with Zinc/Metal Tiles/Concrete/Zinc/Asbestos

2 Partly Bricks/Concrete with Timber Tiles/Zinc/Asbestos

Section 4 PERSONAL LIABILITY INSURANCE Covers the insured and the insureds family living with you against claims for personal negligence committed in Malaysia or Singapore, e.g. causing an accident whilst cycling, playing games or due to defects in your dwelling.

Jurisdiction: Malaysia & Singapore

Additional Golfers Extensions: Cover the insured and/or the insureds spouse against any misfortune or accident whilst at any golf course in Malaysia and Singapore. In addition, the following are included:
- Loss or damage to golfing equipment/golf clubs not exceeding RM4,000.00
- Loss or damage to personal effects not exceeding RM1,000.00
- Hole-in-one award of RM1,000.00

ING 1Home Contents Package

Section 1 HOME CONTENTS

This is an annual policy that provides cover for your household goods and personal effect against the following perils:
- Fire and lightning
- Domestic explosion
- Impact by aircraft or third party road vehicles
- Theft accompanied by actual forcible and violent breaking into or out of a building
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Windstorm, hurricane, cyclone, typhoon
- Earthquake, volcanic eruption
- Flood
- Riot, strike and malicious damage
- Landslide and subsidence

You are also covered:
1. Property temporary removed from the house but within Malaysia up to 15% of the total sum insured.
2. Fatal injury by fire or thieves up to RM10,000.
3. Damage to mirrors up to RM500
4. Servants property (clothing & personal effects other than cash, currency notes, bank notes and stamps) whilst in the house up to 5% of the total sum insured.
5. Loss of rent or rental incurred caused by the insured perils up to 10% of total sum insured.
6. Liability to the public up to RM50,000

Section 2 EXTRA BENEFITS

1. Cash at Home - ING shall indemnify you against loss of cash at home due to the Insured Perils covered under Section 1.

2. ATM Cash - ING shall indemnify you against loss of cash as a result of ATM withdrawal, under threat by burglar following a break-in to the house.

3. Cash Relief Fund - ING will pay the Insured a lump sum payment for all losses suffered as a result of snatch theft and the claim under this benefit is limited to one (1) claim per policy period.

4. 24 hrs worldwide Personal Accident cover - Accidental Death - this benefit is payable upon the death of the Insured as a result of an accident and which occurs within 90 days from the date of accident. Medical Reimbursement- ING will reimburse for all the medical expense incur as a result of bodily injury caused by accident.

5. Personal Liability - ING shall indemnify the Insured against all legal liability to the public in respect of property damage or bodily injury.

Major Exclusions Which Are Strictly Not Covered: War, invasion, mutiny, rebellion, martial law risks, pollution, contamination or ironizing radiations risks Nuclear weapons risks and act of terrorism.

ING Prime Capital Insurance

ING Capital Investment

Creating wealth in today’s financial markets
Wealth creation is about accumulation, leveraging and compounding. Sounds complicated? Well, it doesn’t have to be. The idea behind it is simple actually. It is about starting small and building it up over time. The earlier you start, the earlier you become wealthy. The longer you persevere, the wealthier you get.

All these are now possible with the ING Prime Capital Insurance plan. It is the plan that offers you professional investment management and life protection to help you create the wealth to meet your financial goals!

The ING Prime Capital Insurance plan is designed to make your money work for you by providing potentially higher returns to meet your long-term financial goals.

Depending on the amount of risk you are prepared to take, the plan offers a choice of investment funds to help you achieve your financial goals. You can also be assured that your funds are professionally managed for growth by a team of full-time investment professionals backed by the investment resources and expertise of our parent company; the ING Group.

Some of the plan features are fund switching, investment top up and fund withdrawals.

Benefits:
• Life protection
• Total and permanent disability coverage

Optional Benefits
• Accidental death coverage.

SMS or CALL +6012 207 5570

malaysia@insured-life.com

ING SMI PLAN Invest

In Your Employees

The ING SMI Plan is designed to administer Employee Benefit plans for small, medium industries; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.

Features/Benefits:
· Medical Provider Network
· Cashless Access to Medical Care (for Outpatient Clinical Only)
· 24 Hours Toll free Assistance
· Flexible Plan Design
· Administrative Ease

ING SMI PLAN INVEST IN YOUR EMPLOYEE BENEFITS
Attracting, motivating and keeping exceptional people is a challenge to any employer. As an employer yourself, you recognize that your family of employees’ is the driving force behind your company. It is important then, to invest in your employees’ well being. Invest in the ING SMI Plan and be assured that your employees’ welfare will be well taken care of.

The ING SMI Plan is designed to administer Employee Benefit plans for small, medium employers; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.

As the leading provider of Employee Benefits Insurance, let us help you protect and take care of your most valuable asset - your employees.

BENEFITS
Medical Provider Network
Enjoy extensive medical support from our network of GP panel clinics, strategically located nationwide. Our extensive network provides easy access, choice and convenience. The Medical Provider Network also includes all major hospitals nationwide.
Cashless Access to Medical Care ( for Outpatient Clinical Only )

Cashless access to medical care is made possible by presenting your ING Insurance Identity Card at any of our panel clinics. There is no hassle of having to pay first and seek reimbursement later.
24 Hours Toll Free Assistance

Our customer representatives are ready to assist you. Just call 1- 800 - 88 - 7818 if you have any inquiries regarding the coverage purchased.
Flexible Plan Design. Select from a choice of plans, the plan that suits your needs and budget best.

Administrative Ease
Focus on your core business, and leave the administration of your employee benefits to us.

PLAN FEATURES
The ING SMI Plan offers both medical and life coverage in a single comprehensive plan, specially designed with your employee in mind. You also have the option to purchase additional coverage at minimal cost.

Medical Protection
Comprehensive coverage for medical expenses incurred due to hospitalization. You also have the option to purchase outpatient ( GP and Specialist ) coverage. You and your employees can be assured of quality medical care when it matters most.

Term Life Coverage
This benefit provides financial protection in the event of loss of life as result of sickness and accident. In addition, compensation is payable in the event of permanent total and permanent partial disability.

Additional Critical Illness Rider
This is a rider to the Basic Term Life policy. In the event of a critical illness being diagnosed, a lump sum payment of 50% of the Basic Sum Assured ( Term Life ) is payable. The full sum assured (100%) would be paid should death or permanent disability occur during the remaining policy period or the subsequent policy period (if renewed).

Additional Executive Screening Rider
The screening provides valuable information about the health status of an individual. Information that can be used to prevent further sickness and to ensure that all is well.
Coverage for Overseas Treatment (Hospitalisation)

This policy covers emergency or accidental treatment while travelling overseas ( leisure or work ) for not more than 90 consecutive days. This policy also covers medical services provided overseas if it is not available locally ( referral letter from attending doctor that such medical treatment is not available locally is required )

SPECIAL CONDITION
Medical treatment, surgery or hospitalization due to illness occurring within 30 days of the policy date is not payable.

ING SMI Plan imposes only a one year exclusion on the following conditions:

· Hernias of all types
· All types of tumors
· Endometrosis
· Haemorrhoids
· Diseased tonsils requiring surgery
· Abnormalities of nasal septum / turbinates
· Hyperthyroidism
· Sinus conditions requiring surgery
· Calculi of kidney, urethra, bladder and biliary tract
· Hypertension
· Gastric or duodenal ulcer
· Diabetes mellitus

ING SMI PROPOSAL FORMS

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Download Bahasa Malaysia Version

Download Chinese Version

ING MLTA

Mortgage Level Term Assurance

ING PRIME LIFE INSURANCE WITH CRITICAL ILLNESS COVERED

ING MLTA - ING SECURE LIFE with Guaranteed Surrender Value

SMS or CALL +6012 207 5770

Suggestion: Using ING Primier Life insurance is preferred is because,

1. Lowest premium with highest protecion / coverage such as DEATH, DISABILITY & CRITICALL ILLNESS. The premium participate into unit link fund for better performance on investment returns.

2. Activate the PREMIUM HOLIDAY whenever facing financial difficulty in anytime. (No Interest Charge)

3. CONVERT into Personal insurance after the loan hs been fully settle.

If you are a person with a can do spirit, have a desire for success and focused on results – then you are ready to join the ING Sales Team!

ING Malaysia provides all classes of insurance ranging from life insurance, general insurance, employee benefits, fixed rate home loans to unit trusts.

We have the financial strength, experienced service centre network as well as a team off well-trained staff and more than 9000 agents to serve its over one million customers nationwide.

So if you are interested and willing to explore on a non conventional career option - do come and join us and let’s start talking about your future!

At ING, our agents are our business partners. Hence, we offer our business partners an opportunity of a lifetime to make a difference and live their lives to the fullest. Here are some reasons why you should explore with ING as your potential business partner :

At ING, you have the option to do either Personal Sales as an individual or Group Sales by being part of a team. Your growth is subject to your own vision and it’s up to you to make it happen.

Our successful business partners come from diversified backgrounds – hence age, gender, previous occupation and education level is not as important as having an open mind to the world of possibilities, a learning spirit and the determination to succeed. A recent statistics from JobStreet.com (Year 2006) stated that insurance professionals are the top income earners among various industries in Malaysia.

Our purpose-built state-of-the-art ING Centre for Performance Development, clearly demonstrates our commitment to provide you with our comprehensive range of ISO certified performance development programs that equips you with the right knowledge, skills, attitude and habits to do business the right way for maximum results.

Our business partners enjoy freedom to manage their own schedule and activities daily. As such, they are able to lead a quality life by balancing their time between work and Family.

Our business partners not only enjoy recognition at company level but also at industry level, both locally and internationally. Besides that, you get to travel round the world on a fully paid holiday sponsored by ING. On an average, most of our successful business partners have seen at least one third of the countries in the world.

At ING, we strongly advocate financial planning among our customers. We offer not only the traditional life and asset protection but also financial savings and investment opportunities. In fact, ING is licensed to offer life & general insurance as well as employee benefits solutions. To further support our products, we offer value-added services such as fast claims processing, cash-free access to hospitals, interactive website, easy-payment machines, and Customer Service Centres to provide convenience to our customers.

We support our business partners with modern technology and e-business gadgets to help them manage their resources and improve productivity. Hence, they are able to provide fast and accurate information, resulting in better customer service and customers making appropriate buying decisions.

Our successful business partners enjoy additional benefits such as insurance coverage, retirement fund and subsidised housing loan. In fact, the business they build at ING is transferable to their next of kin, thus creating an estate for their family.

ING EDUCATION PLAN

ING Premier Education 15,16,17,18,19,20,21 Years

A world of opportunities for your child
Your newborn child deserves every golden opportunity when he or she comes into this world. As a parent, you only want the best for your child to grab all the opportunities given to him or her. The right education is absolutely necessary to give your child the head start he requires to succeed in today’s fast-paced world. A good education however, is costly and the cost of tertiary education continues to escalate in Malaysia as well as overseas.

The best way to provide your child with the advantage of a good education is to be prepared for these high expenses. Plan ahead and start saving even before your young Einstein starts his lifelong journey of knowledge.

ING Premier Education is an endowment plan with different policy terms. It gives you the opportunity of fulfilling your child’s aspirations and dreams. At the critical moment when your child progresses to his or her tertiary education, you will be able to provide the necessary funds and by doing so, will broaden the range of opportunities for your child.

ENGLISH

BAHASA MALAYSIA

CHINESE

FEATURES

A) This is an Endowment plan that participates in the company’s profit through deferred reversionary bonus which starts payable after 2 complete years.

B) Policyholders could choose any term of policy ranges from 15 to 21 years so long the expiry age (age upon maturity) is 25 years old to be eligible for tax deduction. Premiums are payable until maturity of the policy.

C) This plan offers guaranteed interim cash payments of 50%, 50% and 50% (also as maturity payment) in the last 3 years of the policy with the option to accumulate these interim cash payments till maturity.

D) This plan also comes with built-in accidental death/TPD benefit (Complimentary ADD rider (CADD)) where the sum insured will be doubled due to accidental cause.

BENEFITS
A) Guaranteed Interim Cash Payments (ICP)
B) Maturity
C) Death
D) Total & Permanent Disibility
E) Double Indeminity for Accidental Death
F) Education Excellence Award
G) Surrender
H) Education Loan
I) Policy Loan
J) Reduce Pay Up (RPU)
K) Non-forfeiture Option

ING Education Excellence Award

f1 Policy must be in force for full 3 years.
f2 Date of examination must be within 1 month to or on or beyond the full 3 years date.
f3 Entitled to only one education excellence award per life. d) Applicable for ING Education Savings Plan only.
f4 Only Malaysian’s educational results are recognize for this award.

How to apply ING Education Excellence Award

a) A copy of the ING Excellence Award form.
b) A certified true copy of the result/certificate by either School Headmaster or Customer Service Rep/Supervisor/Manager.

Min Qualifications
a) UPSR (Standard 6) -minimum 3 distinctions.
b) PMR (Form 3) - minimum 4 distinctions.
c) SPM (Form 5) - minimum 5 distinctions

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DISCLAIMER