Agency Product Write-Up (For Internal Reference Only)

IL Junior CI Plus Rider (U149)

(IL Unit Deduction Rider – Investment Linked Insurance Plan)

Plan Name : IL Junior CI Plus Rider

Plan code : U149
Product Abbreviation : IL JCPR
Launch Date : 22 July 2019

PLAN DESCRIPTION
1. This is a unit deduction rider that is only attachable to the following plan:
a. SmartProtect Junior (Plan Code: 0495)
2. Insurance charges will be deducted from the unit fund(s) monthly.
3. The rider's sum assured will NOT accelerate the basic plan's Basic Sum Assured (BSA).
4. This rider can be attached at any time effective at next monthly due.

BENEFITS

1. Child Illness Benefit (CIB)

If the Life Assured is diagnosed as suffering from any one of the *Child Illnesses listed
below, the Company will pay 100% of the rider’s Sum Assured in one lump sum. The rider
will then terminate.
(a) 30 / 60 days waiting period shall apply, depending on the types of critical illness.
(b) 14 days survival period shall apply to all child illnesses.
(c) This benefit is subject to RM4,000,000 critical illness limit on any one life under all
policies (excluding Bancassurance and Group policies) issued by the Company.
(d) The claims payout on this rider will NOT accelerate the coverage of the basic plan that
this rider is attached to.

Child Illnesses Table:

Child Illnesses Waiting Period
1) Chronic Aplastic Anaemia 30 days
2) Major Organ/ Bone Marrow Transplant 30 days
3) Brain Surgery 30 days
4) Cancer 60 days
5) Severe Haemophilia 60 days
6) Insulin-dependent Diabetes Mellitus 60 days
7) Kawasaki Disease with Heart Complications 60 days
8) Rheumatic Fever with Valvular Impairment 60 days
9) Severe Asthma 60 days
10) Severe Epilepsy 60 days
11) Severe Juvenile Rheumatoid Arthritis 60 days
12) Bacterial Meningitis 30 days
13) Encephalitis 30 days
14) Persistent Intellectual Impairment due to Illnesses or Accident 60 days
15) Glomerulonephritis with Nephrotic Syndrome 60 days
16) Generalized Tetanus 60 days
17) Adolescent Morbid Obesity 60 days

*Refer to Appendix 1 for the definition of Child Illnesses.

UNDERWRITING GUIDELINES

Age at Entry
Category Minimum Maximum
Pre-natal policy - Life 13 weeks of gestational 35 weeks of gestational
Assured (Unborn Child) period period

Agency Manual/ IL JCPR/ 22072019 Page 1 of 4

 Agency Product Write-Up (For Internal Reference Only)
IL Junior CI Plus Rider (U149)
(IL Unit Deduction Rider – Investment Linked Insurance Plan)
Post-natal policy - Life
30 days attained age 15 years next birthday
Assured

Risk Charge Term

Risk charge term means the period where the insurance charges are being levied.
Category Start Date End Date
The next monthly due date
Pre-natal policy following Expected Due
End of benefit term
Date (EDD)
Post-natal policy Policy commencement date

Benefit/ Coverage Term

Category Commencement Expiry
Pre-natal policy Birth of child
Up to age 18 years next birthday
Policy commencement
Post-natal policy
date

Minimum/Maximum Sum Assured

Minimum : RM 10,000
Maximum : Subject to underwriting and RM500,000 per life

Note:
This benefit is subject to RM4,000,000 critical illness limit on any one life under all policies
(excluding Bancassurance and Group policies) issued by the Company.

Non-Medical Limits
100% of the sum assured of this rider will be aggregated to the basic plan that it is attached to.

CHANGES IN SUM ASSURED

Increase / Decrease in Sum Assured

The rider sum assured can be increased / decreased at any time.

DISCOUNT

Large Sum Discount / Female Discount / Non-Smoker Discount

Not applicable

INSURANCE CHARGE

1. Insurance Charge will vary according to attained age next birthday at last policy anniversary,
gender and smoking status of the Life Assured.

2. Insurance Charge is deducted monthly by cancellation of units at the beginning of each policy
month based on the Sum Assured and calculated using the formula below or until occurrence
of a valid claim event, whichever is earlier.

Monthly Insurance Charge = Insurance Charge Rate Per Annum* x Sum Assured
1000 x 12

*Refer to Appendix 2 for the indicative insurance charges rates table.

Agency Manual/ IL JCPR/ 22072019 Page 2 of 4

 Agency Product Write-Up (For Internal Reference Only)
IL Junior CI Plus Rider (U149)
(IL Unit Deduction Rider – Investment Linked Insurance Plan)
OTHER PRODUCT FEATURES

Backdating / Automatic Premium Loan / Policy Loans / Bonus Rate / Agency

Compensation / Surrender Values / Paid-up Values / Extended Term Assurance
Not applicable.

OTHER PRIVILEGES

Assignment / Nomination / Third Party Policy / Reinstatement

Follow basic plan.

Free Look Period

Policyholder is allowed to cancel this rider within 15 days. Under such circumstance, the
Company will reinstate the units which have been deducted for the payment of Insurance Charge
after net of medical expenses incurred by the Company (if any) in the issuance of this rider.

Riders Allowed
Not applicable.

EXCLUSIONS

The Company will not pay the benefits for Child Illness above if the conditions associated with the
Child Illness:
4.1 has existed prior to or on the Risk Effective Date or on the date of any reinstatement,
whichever is later; or
4.2 is caused directly or indirectly by self-inflicted injuries, while sane or insane; or
4.3 is resulted from the Life Assured committing, attempting or provoking an assault or a
felony or from any violation of the law by the Life Assured; or
4.4 is caused directly or indirectly by the existence of Acquired Immune Deficiency
Syndrome (AIDS) or by the presence of any Human Immuno-deficiency Virus (HIV)
infection.
4.5 is diagnosed due to, directly or indirectly, a congenital defect or disease, which was
manifested or was diagnosed before the Life Assured attains the age of one (1) year
or less; or
4.6 is resulted directly from alcohol or drug abuse; or
4.7 is resulted from war, whether declared of undeclared.

Note: The exclusion list may not be exhaustive .For full list of the exclusions, please refer to the
policy contract.

APPENDICES

Appendix 1: Definition of Child Illnesses

Child Illnesses
Definition.pdf

Agency Manual/ IL JCPR/ 22072019 Page 3 of 4

 Agency Product Write-Up (For Internal Reference Only)
IL Junior CI Plus Rider (U149)
(IL Unit Deduction Rider – Investment Linked Insurance Plan)
Appendix 2: Insurance Charges per RM 1,000 Sum Assured

Age
Next Male Female
Birthday
0 2.65 1.85
1 2.65 1.85
2 2.41 1.66
3 2.07 1.62
4 1.92 1.55
5 1.89 1.52
6 1.75 1.46
7 1.74 1.44
8 1.73 1.42
9 1.72 1.40
10 1.71 1.38
11 1.70 1.36
12 1.69 1.34
13 1.68 1.33
14 1.67 1.32
15 1.66 1.31
16 1.65 1.30
17 1.64 1.29

Agency Manual/ IL JCPR/ 22072019 Page 4 of 4