Future
At AmMetLife Malaysia, we are dedicated to helping you secure your financial future through our innovative wealth insurance solutions. Our offerings include investment-linked insurance and endowment plans, tailored to meet your unique financial goals.
Our investment-linked insurance plans stand at the forefront of wealth accumulation and protection. These plans offer the dual benefits of life insurance coverage and investment opportunities. Here’s how they can work for you:
Flexible Investment Choices: Tailor your investment portfolio from a diverse range of funds to match your risk appetite and financial objectives.
Life Protection: Gain peace of mind knowing that you are financially safeguarding your loved ones with life insurance coverage.
Wealth Accumulation: Benefit from the potential of higher returns through market-linked investments, enhancing your ability to grow your wealth over time.
Endowment plans usually are designed for those who seek a disciplined savings approach, combined with the insurance coverage. They are ideal for long-term financial planning that subject to the insurance policy, may offer:
Guaranteed Maturity Benefits: Enjoy the certainty of receiving a lump sum payout upon the maturity of your policy.
Regular Savings Habit: Develop a disciplined savings routine with regular premium payments.
Insurance Coverage: Rest assured with a safety net that provides financial security for your family in unforeseen circumstances.
Investment-Linked Insurance and Endowment Plans FAQs
Investment-linked insurance plans combine life insurance coverage with investment options. Premiums paid go partly towards life coverage and partly into investment funds of your choice, which has the potential to grow over time, subjected to the performance of these funds.
Endowment plans are savings-oriented life insurance policies with a specific maturity date. They offer a lump sum payment either at the end of the policy term or upon the death of the insured, providing both savings and life coverage. Unlike investment-linked plans, they usually offer guaranteed cash payments.
Yes, you can select from a range of funds that vary in terms of risk and growth potential. Your choice should align with your investment goals, risk appetite, and time horizon.
Endowment plans often provide guaranteed cash payment, but this can vary depending on the policy terms. Some endowment plans may offer non-guaranteed bonuses in addition to the guaranteed sum.
Endowment plans are often used as a tool for retirement planning as they offer a lump sum amount at maturity, which can be a significant contribution to retirement savings.
The life insurance component in an investment-linked plan provides financial protection to your beneficiaries in the event of your untimely death.
Before selecting an endowment plan for education savings, consider factors like the duration of the plan (to align with your child's education timeline), the guaranteed and non-guaranteed benefits, premium payment terms, and flexibility in case of changing financial circumstances.