Supreme Livin'Care Plus - Whole Life Living Assurance with Cash Bonus

Major illnesses don't just strike the elderly. They can also afflict the young and seemingly healthy, those in the prime of their lives. Are you protected financially? What happens as a breadwinner, you are taken ill? Or worse, when that illness is a major event, a permanent or debilitating disease or emergency?
Supreme Livin'Care Plus, a comprehensive whole life plan that is specially designed to cover you against 36 of the most common and serious medical conditions, as well as total and permanent disablement and death. The plan insures you against the following events:

Heart Attack
Stroke
Coronary Artery By-pass Surgery
Cancer
Kidney Failure
Fulminant Hepatitis
Major Organ Transplant
Paralysis (Paraplegia, Tetraplegia)
Multiple Sclerosis
Pulmonary Hypertension
Total Permanent Blindness
Heart Valve Surgery
Major Burns
Aorta Surgery
Loss of Speech
Alzheimer's Disease
Terminal Illness
Motor Neurone Disease
End Stage Liver Disease
Encephalitis
HIV Infection from Blood
Aplastic Anaemia Transfusion
Accidental Head Injury Resulting in Major Head Trauma
Parkinson's Disease
Poliomyelitis
Benign Brain Tumor
End Stage Lung Disease
Coma
Brain Surgery
Bacterial Meningitis
Other Serious Coronary Artery Disease
Apallic Syndrome
AIDS Cover of Medical Staff
Full Blown AIDS
Muscular Dystrophy
Total Permanent Deafness

Supreme Livin'Care Plus comes with an annual Cash Bonus which allows you the financial flexibility to manage how this bonus is to be used. You have the choice of withdrawing this extra cash to use as you wish, keep it as part of your policy and reap even larger future payout, or use it to pay future premiums.

The plan comes with Deferred Whole Life advantage. With this, you are guaranteed to significantly increase your policy value without having to pay an additional premium. Depending on your age of entry, you can gain up to 100% in addition to the basic sum assured. This means increased protection for you to handle any of life's crisis with complete peace of mind. This plan provides you with a lifetime protection up to age 87 and the flexibility to select a basic sum assured starting from a minimum coverage of RM15,000 and up to a maximum coverage of RM1,000,000.

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Life Insurance Part 2

Although most people don’t like to dwell on these topics, many fatal accidents and illnesses affect people's lives every day, causing grief, stress, and financial difficulties. Although there is little that can be done with regards to the grief and emotional problems associated with the loss of a loved one, there is something that can be done about the financial losses that this type of situation can result in. For those left behind, the financial strain is an added worry at a time that is already rife with stress, but with the right insurance policy in place this is one worry that can be eliminated.

If anything were to happen to you unexpectedly, would your loved ones be able to cope financially? For many people the loss of a loved one also means the loss of an income, and this can result in financial difficulties that could even mean losing the family home in some cases. Life insurance, however, enables you and your loved ones to enjoy peace of mind, as this type of policy will pay out a lump sum to your family in the event of your death (subject to terms and conditions). Nobody knows what life has in store, and this type of cover provides your family with the financial protection that is so important in the event of your unexpected demise.

There are a number of options available for those that want to take out life insurance cover. If you are married or living with your partner, you may wish to consider a joint policy, as this will provide financial protection for your family in the event that either of you pass away, which means greater peace of mind and better value for money. You may, on the other hand, prefer to opt for a single policy depending on your circumstances. The cost of life insurance cover can vary depending on the type of policy and the level of cover that you choose. Other factors that can increase the cost of life insurance include obesity, certain medical conditions, and smoking, as factors such as these mean that you are classed as a higher risk customer.

There are two main types of life insurance cover, and these are term life insurance cover and whole life insurance cover. Term life insurance is a shorter term cover that provides protection for a limited period, such as fifteen years. This is a popular form of life insurance, and is the cheaper option for those on a budget. At the end of the specified term the cover will expire, and there is no cash back or financial gain available. With whole life insurance cover, you are covered until you die, and as long as you have maintained payments of your premiums your family will receive a payout (subject to terms and conditions). This form of insurance cover can provide additional peace of mind, but is also the more expensive option.

You can also add on critical illness cover with your life insurance, which means that you will receive a payout in the event that you contract a critical illness, and the money will be your to keep even if you then go on to recover.

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