Hong Leong Assurance Berhad (94613-X)

Savings

For those who wish to have a better control of their financial planning, we offer them savings and investment plans.


HLA Wealth Invest

Saving has never been more rewarding

Everyone looks at their savings as untapped potential for the future. At HLA, we can help you realise the potential of your savings today. 

HLA Wealth Invest is an insurance savings plan that gives you the freedom to manage and grow your savings the way you want. It has a limited premium payment term of 6 years, a coverage term of 30 years, and gives you guaranteed cash coupons throughout the policy term. These cash coupons can be received as a cash payout, accumulated with the company to earn interest, or reinvested into a range of professionally managed investment-linked funds for higher potential returns.

This plan is available in two versions:

  • HLA Wealth Invest (Yearly), which gives you Guaranteed Yearly Cash Coupons (GYCC)
  • HLA Wealth Invest (Monthly), which gives you Guaranteed Monthly Cash Coupons (GMCC)


Benefits

  • Rewarding and flexible savings options

    Choose from any of the following options or combine them to suit your savings needs:

    1. CASH PAYOUT for instant cash: The guaranteed cash coupons can supplement your cash flow to help you achieve your life goals.

    2. EARN INTEREST at a stable rate: The guaranteed cash coupons can be accumulated with the company to earn interest.

    3. HIGHER POTENTIAL RETURNS from investment: The guaranteed cash coupons can be fully reinvested into a range of professionally managed investment-linked funds.
     

  • Enjoy guaranteed cash payouts

    Be rewarded regularly with guaranteed cash coupons:
     
    1. With HLA Wealth Invest (Yearly), commencing from the end of the first policy year, you will receive GYCC of 20% of your Annual Premium until the end of your term.

    2. With HLA Wealth Invest (Monthly), commencing from the end of the 6th policy month, you will receive GMCC of 1.68% of your Annual Premium until the 360th month. Upon the end of your term, you will get an extra 5 months’ of GMCC.

    In total, you will receive at least the total Annual Premium paid at the end of your policy term.
     

  • Boost your savings

    This plan comes with cash dividends and a terminal dividend or a special terminal dividend, all of which are non-guaranteed. The cash dividends may be payable on a yearly basis while the terminal dividend may be payable upon surrender or maturity of your policy. The special terminal dividend may be payable upon death or Total and Permanent Disability (TPD1).
     

  • Surely yours

    This plan gives you protection at no loss to the Annual Premium that you have paid. Upon death or TPD1, you can be assured that 100% of your outstanding guaranteed cash coupons will be payable.

    An additional 100% of your outstanding guaranteed cash coupons will be payable in the unfortunate event of accidental TPD1.    
     

  • Enhance and extend your coverage

    Extend your coverage with our exclusive protection riders depending on your protection needs. Exclusively available for HLA Wealth Invest, the optional Wealth Guard Rider and Wealth Guard TPD Rider let you enjoy a higher level of protection in the event of death and TPD1/Old Age Disablement (OAD2) respectively. We also have other riders that offer comprehensive coverage, ranging from critical illness to personal accident to medical.

    NOTE:
    “Annual Premium” means the premium paid for the basic plan excluding any loading premium calculated using the annual mode of payment.
     

    1 TPD refers to Total and Permanent Disability prior to attaining age 65.
    2 OAD refers to Old Age Disablement after attaining age 65.


     


Who Can Apply

  • Entry age of the Life Assured



     

    Life Assured Minimum Maximum
    Unborn child 13 weeks of gestation Before birth
    Others 30 days old 65 years old

  • Age of the Policy Owner

    Minimum: 16 years old
     

  • Annual Premium

    Minimum: RM 6,000
    Maximum: Subject to underwriting
     
    The maximum total Annual Premium allowed for an unborn child is RM 30,000.
     

  • Payment Frequency

    Monthly, quarterly, semi-annually, annually
     

  • Policy Term

    30 years

  • Premium Payment Term

    6 years


More information