empower 2

Here’s what empower 2 provides you:

• Comprehensive protection in one plan
  You can get insurance protection for death and total and permanent disability (TPD), as well as investment returns, all in one plan. You can also choose from a wide range of optional riders to enhance your protection.
• Wide selection of investment funds to allow you to take charge on how your money is invested
  You can choose how your money is invested from a range of professionally managed investment funds. You can also switch your investment funds at no cost when your investment goals change.
• Flexibility to tailor the plan to meet your life’s changing priorities
  This plan offers you the flexibility to increase or reduce your coverage from time to time, to meet your ever changing needs.

• Critical Illness Protection
  • PB Prime Accelerated Critical Cover
    Provides basic coverage on critical illnesses.
  • PB Prime Critical Cover*
    Provides protection for up to 3 critical illnesses.
  • PB Prime Critical Cover (Bahasa Malaysia | 中文 | English)
  • PB Prime Early Critical Cover*
    Provides coverage on early stage critical illness.
  • PB Prime Early Critical Cover (Bahasa Malaysia | 中文 | English)
  • PB Prime Lady Care*
    Provides financial support to protect the person covered against specific female illnesses.
  • PB Prime Lady Care (Bahasa Malaysia | 中文 | English)
  • PB Prime Lady Care Premier*
    Provides financial support to protect the person covered against specific female illnesses and maternity complications.

• Medical Protection
  
  • PB Health Xtra*
    Provides comprehensive medical coverage and rewards you for living healthy.
  • Click here to view video
  • PB Health Xtra brochures (Bahasa Malaysia | 中文 | English)
  • PB Health Enhancer*
    Provides affordable additional medical coverage and rewards you for living healthy.
  • PB Health Enhancer brochures (Bahasa Malaysia | 中文 | English)

• Accident Protection
  • PB Prime Accidental Death and Disability

 Provides additional protection against unforeseen accidents.

• Income Protection
  • PB Prime Income Safe*
    Provides you or your family with monthly income for 5 years if the person covered passes away, suffers TPD.
  • PB Prime Income Safe (Bahasa Malaysia | 中文 | English)
  • PB Prime Income Safe Plus*
    Provides you or your family with monthly income for 5 years if the person covered passes away, suffers TPD or is diagnosed with a critical illness.
  • PB Prime Survivor Income
    Provides you or your family with monthly income for 5 years if the person who pays for the policy passes away, suffers TPD or is diagnosed with a critical illness.

• Premium Protection
  • PB Prime Living Waiver of Premium
    • Waives the premium if the person covered suffers TPD or is diagnosed with a critical illness.
  • PB Prime Enhanced Payor Waiver of Premium
    • Waives the premium if the person who pays for the policy passes away, suffers TPD or is diagnosed with a critical illness.

Notes:

*For more information, please refer to the brochures of the respective riders.

Alternatively, you may also refer to the Product Disclosure Sheet (PDS) and Sales Illustration (SI) for further information on the riders.

This is an insurance product that is tied to the performance of the underlying assets and is not a pure investment product such as unit trusts.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract. For AIA Investment-Linked Funds details, please refer to the AIA Fund Fact Sheet in AIA Bhd.'s website at www.aia.com.my for further details.

This plan is available to individuals aged between 14 days old and 70 years old (nearest birthday).

• Death due to suicide within 1 year from the date of issue or the date of reinstatement of the policy, whichever is the later. AIA Bhd.’s liability shall be limited to the total investment value determined as at the date AIA Bhd. receives the written notification of death without interest together with the total unallocated premium, insurance charges, other fees and charges of the policy deducted from the date of issue or the date of reinstatement of the policy, whichever is later. Thereafter, the policy shall be terminated.
• Any TPD arising from the occurrence of the following is not covered:
  • Any self-inflicted injuries while sane or insane, whether or not disability was caused directly or indirectly as a result of the said injuries; or
  • Travel or flight in or on any type of aircraft except on a regular scheduled passenger flight of a commercial aircraft; or
  • Any activities of a military nature whilst being engaged in military service in time of declared or undeclared war whilst under orders for warlike operations or restoration of public order; or
  • War, civil war, invasion, act of foreign enemy, warlike actions, (whether war be declared or not), including accidental explosion and / or deliberate explosion of weapons of war, during war or directly as a result of previous war; or
  • Pre-existing illness; or
  • Being involved in any unlawful act.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract. For AIA Investment-Linked Funds details, please refer to the AIA Fund Fact Sheet in AIA Bhd.'s website at www.aia.com.my for further details.