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 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

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 Premier Income Plus 12 Years Limited payment period

for whole life income protection

LAST CALL - HURRY UP!!!

Enjoy a shorter premium payment period of 12 years* for INCOME & LIFE protection up to age 100

Guaranteed annual CASH PAYMENT OF 6% payable starting from end of policy year 12

Built-in Living WAIVER OF PREMIUM Benefit rider whereby future premiums will be waived in the event the life insured is diagnosed with critical illness before age 70

FUNERAL EXPENSES of 5% of sum assured or RM10,000 whichever is lower

ENGLISH

BAHASA MALAYSIA

CHINESE

DISCLAIMER

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

Contact

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

Contact Us

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.

Contact Us

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