Etiqa Insurance & Takaful

Grow younger. Realise your retirement dreams.

Golden Retirement is a Single Premium Investment Linked Product (ILP) Single Premium Investment Linked Plan designed for your retirement needs. This plan guarantees that 110% of your original investment is paid back to you, while offering life insurance coverage of up to 125% of your initial investment.

Why do I need Golden Retirement?

Retirement is the time when you should seize the opportunity to realize your dreams - those dreams that cross your mind every now and then, if only there were time… Do you see yourself running with the bulls in Madrid, catching a Broadway Show in New York, skiing down the Swiss Alps or sailing the emerald waters of the Caribbean?

With our Maybank Golden Retirement plan, you are taking the first step towards realising your retirement dreams, while providing yourself with life insurance coverage for greater peace-of-mind.

Let your retirement be the time to explore new and exciting possibilities, and grow younger with each exhilarating experience.

What do I get out of it?

Golden Retirement is a Single Premium investment-linked plan with Guaranteed Minimum Cash Payments of 11% of your Single Premium, any potential lock-in amount, maturity bonus and life insurance coverage for Death & Total Permanent Disability (TPD).

What are the benefits?

·	Guaranteed Minimum Life Protection Lump sum amount of up to 125% of your Single Premium from the 1st to the 5th policy year, in the event of death or Total and Permanent Disability.
·	Guaranteed Minimum Cash Payment 10 years of guaranteed minimum cash payment of 11.0% p.a of your Single Premium payable from the end of the 6th to the 15th policy year.
·	Potential Lock-In Amount This amount is based on the performance of the Active Index Portfolio from the 1st to 5th policy year, is payable at the end of the 6th to the 15th policy year. Any potential lock-in amount from the performance of the Active Index Portfolio from the 6th to the 15th policy year, is payable at maturity in one lump sum as Maturity Bonus.
·	Upon Maturity Upon maturity, the higher of the following will be payable: a. The value of the accumulated units based on the unit price at the valuation date immediately after maturity date; or b. Final installment of the guaranteed minimum cash payment plus any outstanding potential lock-in amount.

Note: The cash payment is payable by unit deduction from the fund value, which includes your initial investment.

Can I apply for this scheme?

Yes. You can apply for Golden Retirement if you are:

· A Malaysian citizen or Singaporean or Bruneian.

· Aged 18 - 65 (age Next Birthday)

Note: Foreigners accepted subject to Underwriting Rule. The relationship between Policy Owner and Life Insured must be spouse only.

How much can I invest?

The minimum Single Premium amount is RM25,000. Any higher Single Premium amount will be in multiples of RM1,000.

For more details, download the Golden Retirement brochure now!