Smart Protect Junior

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Chat a secure future for your child

As you look forward to growing your family with your child, it pays to plan ahead – the earlier, the better. That’s because you want to ensure your child is properly prepared against life’s uncertainties and is set to enjoy a bright future right from the start of their life.

With Smart Protect Junior, you can protect your little bundle of joy by providing long-term life insurance protection, or if you opt for the Smart Baby Shield rider, even before your child is born.

At the same time, you will be preparing your child for a bright future with access to professionally managed investment funds. You can be rest assured that your child can grow up protected and prepared for the future.

Protection with investment allocation

SmartProtect Junior gives you access to professionally managed unit funds on top of life coverage for your child until age 100 next birthday.

Financial flexibility for a secure tomorrow

SmartProtect Junior lets you tailor your protection and investment levels to further safeguard your child’s financial security in the future. You have the option of boosting the investment value of your policy via single-premium top-ups, subject to a minimum of RM1,000.

Additional 1% sum assured each year

Your sum assured grows by 1% of the basic sum assured with every completed  policy year, should death or TPD occur, up to the end of the 30th policy year .

Optional education savings for your child

To assist you in building an education fund for your child’s future, Smart Protect Junior can come with IL EduSaver, an optional regular premium investment-linked top-up .

Protection against death or TPD

Should death or TPD occur to your child, the basic sum assured, additional sum assured, and total investment value will be payable to you.

Boosted protection with other additional optional riders

You can choose to add optional riders to your Smart Protect Junior plan, giving you greater peace of mind.

Maturity benefit

Once your policy matures, you will receive 100% of your total investment value

No-Lapse Guarantee

Smart Protect Junior comes with a No-Lapse Guarantee in the first 3 policy years, which ensures that your policy remains in force even if your total investment value becomes zero, so long as your premiums are paid consistently and no withdrawal is made within the first 3 policy years .