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Investment-linked

Introduction

Wealth Invest & Wealth Protector

Wealth Edu

a plan that keeps up with your changing needs

Honey and Honey Plus offer you the flexibility to tailor your investments to suit you and your family’s ever-changing needs while also enjoying the added security of insurance.

Key Benefits at a Glance:

protection from death and Total and Permanent Disability (TPD)
choices of premium to cater to your financial needs
flexible investment options to help you gain more
premium holiday at any time
loyalty bonus to boost your investment
protecting you from inflation

Some facts to share with you:

67%

of Malaysians prefer to buy insurance products that offers protection as well as savings / investment *

only 22%

of Malaysians feels that they have the financial independence to support their lives during retirement *

* AXA Life Outlook Index 2009

benefits for you and your loved ones

protection from death and TPD for peace of mind

You can choose either Honey or Honey Plus, whichever works best for you to give you and your family total peace of mind.

Honey
Our Honey provides a level death benefit to help you maximize your savings. It pays the higher of your account value or the basic sum insured less all withdrawals made within 12 months before death.

Honey Plus
For added protection, our Honey Plus provides an increasing death benefit which pays the basic sum insured and your account value upon death.

We understand the financial impact in the unfortunate event of Total and Permanent Disability (TPD). Upon TPD before age 60, you are entitled to the same amount as the death benefit subject to a maximum of RM1,250,000 per life.

On top of that, you have the flexibility to maintain your investment with us. You can then continue to benefit from the investment as well as continue with your supplementary protection, if any.

choices of premium to cater to your financial needs

basic premium
Your basic premium reflects your life insurance benefit level. Your premium paid will be allocated to purchase units in the funds you selected.

Premium allocation:

Policy Year	1	2	3	4	5+
Allocated Premium (%)	35%	40%	55%	65%	100%

regular top-up or one-off lump sum premium
If you want to increase your potential of getting more returns, you can pay additional premiums at any time to increase your investment without any change to your insurance coverage. You can pay it regularly together with your basic premium or as a lump sum investment at any time. Premium allocation for top-ups is 95%.

flexibility to cope with your financial needs

flexible investment options to help you gain more

access to local and regional markets to enhance your returns
You have a choice to invest into different investment funds across both local and regional markets to diversify and balance the risks of your investment portfolio.

Please refer to the fund fact sheets for the funds currently available and the investment policy of each fund.

switch your investment from one fund to another – anytime!

Since your investment objective may change over time, Honey and Honey Plus give you greater flexibility to reallocate your investment funds or to change your selection of funds.

withdraw your investment – anytime!
You may have different financial needs at different life stages. Honey and Honey Plus allow you to withdraw your investment funds in part to accommodate your financial needs, at any time.

premium holiday - flexibility to stop your premium payments at any time
To enjoy more flexibility, you can apply to stop your premium payments at any time, as long as your account value is sufficient to cover the policy charges due during the premium holiday. You can then sit back and enjoy the life protection without worrying about your premium payments.

loyalty bonus to boost your investment and protecting you from inflation

loyalty bonus
We value our long term relationship with you, so on the 15th policy anniversary and every 5th anniversary thereafter, we will reward you with a loyalty bonus to boost your investment. The bonus amount is calculated based on 2% of your average monthly account value in the 5 years before the date of bonus payment. We will use the bonus to buy additional units according to your fund allocation instruction at that time.

Index-linked Increase Endorsement
Our special Index-linked Increase Endorsement can help give you protection from inflation. Before age 60, you may choose to pay a little extra premium each year to increase both your insurance benefits and investment. To make things even better, no medical check-up is required for this extra benefit. However, if you do not take up this benefit for 2 consecutive years, the offer will lapse automatically.

enhance your protection through supplementary addition

You can combine Honey and Honey Plus with a wide range of supplementary insurance we offer to make the perfect combination to meet your needs. While additional premiums are required for supplementary insurance, the peace of mind that comes with it is priceless.

Payor Benefit	Waives the future premiums of the basic plan (excluding top-up and lump sum premium) until age 23 of the child or age 80 of the parent, whichever is earlier, in the event the parent suffers TPD before age 60, death or diagnosed with a critical illness before age 80.	recommended package
Waiver of Premium	Waives the future premiums of the basic plan (excluding top-up and lump sum premium) up to age 80 upon diagnosis of a critical illness before age 80 or TPD before age 60.	For your child Honey or Honey Plus Payor Benefit Medical Care Critical Illness
Level Term	Provides affordable additional protection against death before age 80 and TPD before age 60.
Critical Illness	Protects you against 36 critical illnesses. A lump sum payment to see you through your treatments and recuperation.	For yourself Honey or Honey Plus Waive of Premium Medical Care Critical Illness Accident Protector
Accident Protector	Additional protection against accidental death or dismemberment.
Medical Care	A comprehensive medical coverage that helps you take care of your major medical bills.

For more information, contact us at 1 300 88 1616

important notes

AXA AFFIN Life Insurance Berhad believes it is important that you fully appreciate and understand all the benefits and charges under your policy.

This insurance plan is underwritten by AXA AFFIN Life Insurance Berhad (723739w), a company licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia.
Honey and Honey Plus are regular premium investment-linked insurance that offer a combination of insurance protection and investment.
Policy benefits will fluctuate based on the performance of your chosen funds. The investment risks under this policy will be borne solely by you.
You should ask for and study the sales illustration pertaining to your policy, paying particular attention to non-guaranteed benefits.
You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.
Buying a regular premium life policy is a long term commitment and it is not advisable to hold your policy for a short period of time in view of the high initial costs. If you surrender your policy in the early years, you may get back less than the amount you have paid in.
You are given an additional 31 days of grace period after the due date to make your premium payment. If you did not pay your premium at the end of the grace period, your account value (if any) will be used to pay future premiums. If the account value is not enough to pay for such outstanding premiums, then your policy will lapse.
If you are not completely satisfied with the policy, you may return the policy and request the cancellation of the policy within 15 days from the date the policy is delivered to you. We will then refund the unallocated premiums, value of units that have been allocated (if any) at next valuation date and any insurance and policy charges that have been deducted less any medical expenses incurred.
Before applying for Premium Holiday, you should consider the possibility of your policy lapsing when the required charges exceed your account value.
The basic plan does not cover:
a. Suicide within 1 year from the policy date or any date of reinstatement, whichever is later.
b. Total and permanent disability resulting from intentionally self-inflicted injury; any act due to war,
declared or not; or military, naval or air service for any country at war, declared or not.
This brochure contains only general information about the product and does not in any way represent a policy. For a detailed description of the terms and conditions and exclusions of the product please refer to the official policy issued by AXA AFFIN Life Insurance Berhad.