absolute assignment lhdn

Absolute Assignment

What does absolute assignment mean.

Absolute assignment refers to a policyholder transferring his or her ownership of a policy to another party. That transfer means that all of the coverage within that policy will now go to the newly named party. The original owner of the policy does not have to state his or her reasons for doing so nor does he or she need to stipulate any conditions for the transfer.

Insuranceopedia Explains Absolute Assignment

There are a number of reasons why a policyholder transfers all of their rights to a policy to another person or entity. They might think of it as a gift to someone else. It could be the sole means of paying off a loan. Even if the insured has now given up their rights to all of the claims and privileges, they are still responsible for payments for the policy. The new owner might have been asked by the original owner to pay the insurer after the transfer is completed, but if the newly named party fails to do so, the negligence will not be blamed on that person but on the original policyholder.

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LHDN: Application, stamping fees for individual documents can be made via stamps from April 27

Saturday, 23 Apr 2022

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KUALA LUMPUR: Applications as well as stamping fees for individual agreement documents can be submitted fully online via the Stamp Assessment And Payment System (Stamps) from April 27.

The Inland Revenue Board (LHDN) said in a statement that Malaysians and permanent residents with income tax numbers can register an account or user ID on the portal, including application for assessment and payment of stamp duty, at https://stamps.hasil.gov.my without having to be present at the counter.

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Information on Stamp Duty

In Malaysia, Stamp duty is a tax levied on a variety of written instruments specifies in the First Schedule of Stamp Duty Act 1949. In general term, stamp duty will be imposed to legal, commercial and financial instruments.

There are two types of Stamp Duty namely ad valorem duty and fixed duty. For the ad valorem duty, the amount payable will vary depending on type and value of the instruments.

An instrument is required to be stamped within 30 days of its execution if executed within Malaysia. If the instrument is executed outside Malaysia, it must be stamped within 30 days after it has been first received in Malaysia.

Examples of Instruments Subjected to Stamp Duty

Real Properties Transfer
Share Transfer
Business Transfer
Rental or Lease
Selling of Annuity
General Stamping
Section 15/15A relief
Compound Duty payment

If the instrument is not stamped within the period stipulated, a penalty of.

RM25.00 or 5% of the deficient duty, whichever is the greater, if stamped within 3 months after the time for stamping;
RM50.00 or 10% of the deficient duty, whichever is the greater, if stamped after 3 months but not later than 6 months after the time for stamping;
RM100.00 or 20% of the deficient duty, whichever is the greater, if stamped after 6 months from the time for stamping;

may be imposed.

Stamp Duty Payment

Stamp duty payment can be made through the following method.

Cash if the duty does not exceed RM100
Revenue Stamp if the duty does not exceed RM500
Money Order, Solicitor`s Cheque or Bank Draft, made payable to the Collector of Stamp Duty and sent together with the relevant instrument to the stamp duty office by hand or through registered post

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Tax alert vol. 24 - no. 25_27 december 2021.

In Budget 2022, to enhance the accessibility to insurance and takaful products by the B40 group and Micro, Small and Medium Enterprises (MSMEs), the Government proposed the following:

Stamp duty exemption for any insurance policies or takaful certificates for Perlindungan Tenang products, with an annual premium or takaful contribution not exceeding RM150 (previously RM100).
For individuals: RM150
For MSMEs: RM250

To legislate the above proposals, the following Orders have been gazetted:

Stamp Duty (Exemption) (No. 5) 2018 (Amendment) Order 2021
Stamp Duty (Exemption) (No. 15) Order 2021
Stamp Duty (Exemption) (No. 16) Order 2021

The Orders / Amendment Order all come into operation on 1 January 2022.

Stamp duty exemption on Tenang Insurance products

The Stamp Duty (Exemption) (No. 5) Order 2018 was gazetted on 31 December 2018 to provide a stamp duty exemption on any insurance policies or takaful certificates for Perlindungan Tenang products, issued by a licensed insurer or a licensed takaful operator (from 1 January 2019 to 31 December 2020), with an annual premium or takaful contribution not exceeding RM100 (see Tax Alert No. 1/2019 ).

Thereafter, the Stamp Duty (Exemption) (No. 5) 2018 (Amendment) Order 2020 was gazetted on 31 December 2020 to extend the stamp duty waiver for another five years, until 31 December 2025 (see Tax Alert No. 1/2021 ).

Following the above, the Stamp Duty (Exemption) (No. 5) 2018 (Amendment) Order 2021 [P.U.(A) 462/2021] was gazetted on 21 December 2021. The Amendment Order provides that the exemption will now apply to any insurance policies or takaful certificates for Perlindungan Tenang products, with an annual premium or takaful contribution not exceeding RM150 (previously RM100).

Stamp duty exemption for the purchase of insurance policies or takaful certificates by MSMEs

The Stamp Duty (Exemption) (No. 15) Order 2021 [P.U.(A) 464/2021] was gazetted on 22 December 2021. The Order provides a stamp duty exemption for any insurance policies or takaful certificates for products issued by a licensed insurer or licensed takaful operator to micro enterprises or small and medium enterprises (SMEs), with an annual premium or takaful contribution not exceeding RM250.

The exemption will apply to insurance policies or takaful certificates issued between 1 January 2022 and 31 December 2025.

The following terms are defined in the Order:

(i) Licensed insurer

Same meaning assigned to it in Section 2(1) of the Financial Services Act 2013 (FSA)

(ii) Licensed takaful operator

Same meaning assigned to it in Section 2(1) of the Islamic FSA

(iii) Micro enterprises or SMEs

As determined by the National Entrepreneur and Small and Medium Enterprises Development Council established under Section 2A of the Small and Medium Industries Development Corporation Act 1995

(iv) Products

Insurance or takaful products which have been approved by the Central Bank of Malaysia to be offered by a licensed insurer or takaful operator as follows: (a) Fire insurance or takaful (b) Fire business interruption insurance or takaful (c) Personal accident insurance or takaful (d) Travel insurance or takaful (e) Liability insurance or takaful (f) Engineering insurance or takaful

Stamp duty exemption for the purchase of insurance policies or takaful certificates by individuals

The Stamp Duty (Exemption) (No. 16) Order 2021 [P.U.(A) 465/2021] was gazetted on 22 December 2021. The Order provides a stamp duty exemption on any insurance policies or takaful certificates for products issued by a licensed insurer or licensed takaful operator to an individual, with an annual premium or takaful contribution not exceeding RM150.

The definition of “licensed insurer”, “licensed takaful operator” and “products” are the same as defined under P.U.(A) 464/2021 (refer above).

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Basis of taxation

Stamp duty is chargeable on instruments and not on transactions.

An unstamped or insufficiently stamped instrument is not admissible as evidence in a court of law, nor will it be acted upon by a public officer.

Assessment and payment of stamp duty can be made electronically via the Stamp Assessment and Payment System.

Rates of duty

The rates of duty vary according to the nature of the instruments and transacted values. Generally, transfer of properties can give rise to significant stamp duty:

a. Properties (other than shares, stock or marketable securities)

1. Other than foreign companies, non-citizens and non-permanent residents

2. Foreign companies, non-citizens and non-permanent residents

Flat rate stamp duty of RM4 per RM100 or part thereof (w.e.f 1 January 2024)

b. Non-listed shares, stock or marketable securities

RM3 for every RM1,000 or any fraction thereof based on consideration or value, whichever is greater. The Stamp Office generally adopts one of the 2 methods for valuation of unlisted ordinary shares for purposes of stamp duty:

- net tangible assets; or - sale consideration.

c. Shares or stock listed on Bursa Malaysia

RM1.50 for every RM1,000 or any fraction thereof based on the transaction value. However, stamp duty in excess of 0.1% is remitted for instruments of contract notes executed on or before 13 July 2023 until 12 July 2028, with maximum stamp duty payable of RM1,000 per contract note.

d. Listed marketable securities

RM1 for every RM1,000 or any fraction thereof based on the transaction value, with maximum stamp duty payable of RM200 per contract note.

e. Service Agreements and Loan Agreements

Stamp duty of 0.5% on the value of the services / loans. However, stamp duty may be remitted in excess of 0.1% for the following instruments:

1. Service agreement

2. Loan agreement / loan instrument

Malaysian Ringgit loan agreements generally attract stamp duty at 0.5% However, a reduced stamp duty liability of 0.1% is available for Malaysian Ringgit loan agreements or instruments without security and repayable on demand or in single bullet repayment.

Stamp duty on foreign currency loan agreements is generally capped at RM2,000. W.e.f 1 January 2024, this cap is removed.

Instruments executed in Malaysia which are chargeable with duty must be stamped within 30 days from the date of execution. When the instruments are executed outside Malaysia, they must be stamped within 30 days after they have first been received in Malaysia.

The penalty imposed for late stamping varies based on the period of delay. The maximum penalty is RM100 or 20% of the deficient duty, whichever is higher.

Relief / Exemption / Remission from stamp duty

Examples of the exemptions, remissions or reliefs of stamp duty available are as follows:

1. Merger and acquisition

Relief on the transfer of the undertakings or shares under a scheme of reconstruction or amalgamation of companies (conditions apply).

Relief on the transfer of property (excludes transfer of business) or shares between associated companies , where either company owns 90% or more of the other company, or where a third company owns 90% or more of both associated companies (conditions apply).

2. Financing instrument

Stamp duty exemption on loan / financing agreements executed from 1 January 2022 to 31 December 2026 between MSMEs and investors for funds raised on a peer-to-peer platform registered and recognised by the Securities Commission (SC).
Stamp duty exemption on instrument of agreement for a loan or financing in relation to a Micro Financing Scheme (approved by the National Small and Medium Enterprise Development Council) between a borrower and a participating bank or financial institution.
Stamp duty exemption on all loan or financing instruments in relation to the Professional Service Fund for an amount up to RM50,000 between a borrower and Bank Simpanan Nasional.
Stamp duty exemption on all instruments of an Asset Sale Agreement & Asset Lease Agreement executed between a customer and a financier made under Syariah law principles for renewing any Islamic overdraft/revolving financing facility , provided the instrument for existing facility is duly stamped.
Stamp duty on any instruments of an Asset Lease Agreement executed between a customer and a financier made under the Syariah principles for rescheduling or restructuring any existing Islamic financing facility is remitted to the extent of the duty that would be payable on the balance of the principal amount of the existing Islamic financing facility, provided the instrument for existing Islamic financing facility has been duly stamped.
Stamp duty exemption on all instruments relating to the purchase of property by any financier for the purpose of leaseback under the principles of Syariah or any instrument by which the financier shall assume the contractual obligations of a customer under a principal sale and purchase agreement.
Stamp duty exemption on loan or financing agreements executed from 1 July 2021 to 31 December 2024 in relation to restructuring or rescheduling of business loans due to the inability of the borrower to comply with existing repayment schedule consequent to deteriorating financial conditions.

3. Instrument of transfer

Remission of 50% of stamp duty chargeable on the instrument of transfer of immovable property operating as voluntary disposition between parent(s) and child and vice versa, executed before 1 April 2023 and provided that the recipient(s) is a Malaysian citizen.
Stamp duty exemption on the instrument of transfer of property (executed from 1 April 2023) by way of love and affection between parents and children, grandparents and grandchildren, limited to the first RM1 million of the property’s value, provided the recipients are Malaysian citizens. The balance of the property’s value is given 50% remission on the ad valorem stamp duty imposed.
Exemption for instruments of transfer of immovable property operating as voluntary disposition between husband and wife.
Stamp duty exemption on all instruments of transfer of land, business, asset and share in relation to the conversion of a conventional partnership or a private company to be a limited liability partnership .
RM10 fixed duty for instrument of transfer of any property by way of release or renunciation by a beneficiary of a deceased estate to another beneficiary entitled under the same estate (w.e.f 1 January 2024).

4. Purchase of first residential property

Stamp duty exemption on the instrument of transfer and loan agreement for purchase of first residential property through the Malaysian Home Ownership Initiative (i-Miliki) under the Home Ownership Programme 2022/2023.

Note 1: Purchaser or co-purchasers are Malaysian citizens

5. Abandoned housing projects

Stamp duty exemption on instruments executed by a rescuing contractor or a developer approved by the Minister of Housing and Local Government to carry on rehabilitation works for an abandoned project . The instruments are loan agreements approved by the approved financier and instruments of transfer for the purpose of transferring revived residential property in relation to the abandoned project which are executed by 31 December 2025.
Stamp duty exemption on instruments executed by an original purchaser , whose name is stated in the Sale and Purchase Agreement in relation to an abandoned project , or his beneficiary. The instruments are loan agreements approved by the approved financier and instruments of transfer which are executed by 31 December 2025.

6. Capital market

Stamp duty exemption on specified instruments for the purpose of a securitisation transaction.
Stamp duty exemption on all instruments relating to the issue of, offer for subscription or purchase of, or invitation to subscribe for or purchase debentures or Islamic securities approved by the SC and the transfer of such debentures or Islamic securities.
Stamp duty in excess of RM200 is remitted for instruments of contract notes relating to the sale of shares, stocks or marketable securities in companies incorporated in Malaysia or elsewhere between a local broker and an authorised nominee on behalf of a foreign broker.
Stamp duty exemption on contract notes for sale and purchase transaction of structured warrant or exchange-traded fund approved by the SC, executed by 31 December 2025.

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Home » Articles Library » 2 Ways to Transfer Ownership of a Life Insurance Policy

2 Ways to Transfer Ownership of a Life Insurance Policy

Things to Know about Borrowing Against Your Life Insurance Policy

As property, policyowners can transfer their life insurance contracts to other persons or entities. A policyowner can transfer either all or only some of the “bundle of rights” that comprises a life insurance policy to almost any person or entity.

The two basic ways of making a lifetime transfer of a policy are: (1) the absolute assignment; and (2) the collateral assignment. An absolute assignment, as its name implies, transfers all the policyowner’s rights irrevocably. A collateral assignment, again as its name implies, assigns so much of the death benefit as necessary for as long as necessary to secure a lender’s rights. But no more of the proceeds will go to the lender than the amount of debt owed.

Requirements

The assignment does not have to be of any particular form (absent specific provisions in state law or the contract to the contrary). Because life insurance is treated as personal property, policyowner may transfer ownership rights, not only by many different types of documents, but also by many different actions. For example, if a person sells a business and the business owns a life insurance policy, the sale of all the assets of the business carries with it the personal property the business owned – including the life insurance.

Likewise, a property settlement in connection with a divorce may have the effect of transferring the ownership of life insurance on the life of one or the other (or both) spouse(s) even though no one ever uses the word “assignment” with regard to these transfers. But this type of transfer (where a clause in the divorce decree disposes of life insurance) is both very dangerous and very awkward. If a policyowner names his new spouse as beneficiary of the insurance proceeds and the insurer has no notice or knowledge of the divorce decree’s change, both spouses are likely to claim the proceeds. Furthermore, if the decree requires the policyowner spouse to maintain the policy for the benefit of his or her ex-spouse, the policyowner cannot obtain a policy loan-even to keep the policy in force through a premium loan.

Before either the absolute or collateral type of assignment or any other instance of a policy ownership transfer is valid, the policyowner must notify the insurer (and, where required by the terms of the contract, the insurer must consent to the assignment). Once notified in writing at the insurer’s home office, the insurer must honor the policyowner’s transfer—unless the terms of the contract itself forbid assignments. So if the insurer then disregards (by intention or neglect) the assignee’s rights and makes payment to someone else, the courts may force the insurer to make a second payment to the assignee. If the policyowner gives no notice to the insurer, it will be protected in a transaction initiated by a former owner. For instance, if the former owner applies for a policy loan and he has not given the insurer proper notice that he had assigned the policy, the insurer is protected in making that loan.

The insurer does not, however, have to verify the bona fides of the transaction between the policyowner and the transferee nor the validity of the transaction. In other words, the insurer is not accountable for the mental or legal capacity of the policyowner to make the assignment (unless it had knowledge that the policyowner was not legally competent to make it or there were irregularities in the assignment form).

Absolute Assignments

Policyowners use an absolute assignment in life insurance planning when the policyowner wants to sell or give away all of his or her rights under the contract. The goal might be to obtain valuable consideration, to save estate taxes, avoid creditors, or purely for love and affection and to assure the transferee of financial security. There are many common examples of sales and gifts:

A client might sell a policy on his life to his business.
A business might sell a policy on an employee’s life to the employee or to the employee’s spouse or child or trust (or to a pension plan).
A shareholder might sell a policy on his life to a new business associate.
A client might give a policy on her life to her spouse.
A client might give a policy on his life to his children or to a family trust.

Tax Implications

Both sales and gift transactions have important and sometimes unexpectedly expensive tax implications. Planners should thoroughly research before allowing any sale of a life insurance policy. Also, understand what should be considered before allowing a client to make a gift of a policy. A valid gift requires that the donor have contractual capacity and intent to make a voluntary gratuitous transfer and the gift must be delivered to and accepted by the donee (assignee).

Nontax Implications

Planners must be aware of the nontax implications of an absolute assignment in order to avoid them and/or alert the client to their potential effect. Some of these are:

Although an absolute assignment itself may not per se change the interest of a revocable beneficiary, as a practical matter the new owner can immediately change the beneficiary and often makes that change almost simultaneously with the assignment. Some absolute assignment forms state that the new owner is automatically the primary policy beneficiary until the new owner makes a change to the beneficiary designation.

If the policyowner made an irrevocable beneficiary designation before making an absolute assignment of the policy, in most states the assignment will not defeat that designation (without the written consent of the beneficiary) and the transferee should be apprised of this fact.

Absolute assignments may put the policy and its proceeds beyond the claims of the policyowner’s creditors, but planners should inform policyowner that—like diamonds—an absolute assignment is forever. There is a loss of both control and flexibility from the transferor’s viewpoint.

How to assign a life insurance policy

What is meant by assigning?

Interest in a life insurance policy can be transferred from the policyholder to a lender or relative by assignment of policy. Here the policyholder is known as the assignor and the person in whose favour the policy has been assigned is called assignee.

Types of assignment

There are two types of assignment: Conditional assignment: This is done when the insured wishes to pass benefits of the policy to a relative in case of early death or certain conditions. The rights of the policyholder are restored once the conditions are fulfilled. Absolute assignment: This is done as a part of consideration for a loan in favour of the lender/bank/lending institution. In such an assignment, the insured loses his rights in the policy and the absolute assignee can deal with it independently.

Notice of assignment

The insured needs to either endorse the policy document or make a deed of assignment and register the same with the insurer. A form prescribed by the insurers must be filled and signed. In case of conditional assignment, your reason needs to be mentioned as well.

Documents required

Proof of income. Self attested copy of photo ID and address proof. Self attested copy of PAN card.

Fees and stamp duty

If the assignment is made by endorsement on the policy document, it is exempt from stamp duty. However, in case of a separate deed, stamp duty is payable.

Acceptance and the right to reject

If the insurance company decides to register the assignment, it will record it and inform the assignor. On paying a fee, the assignee can obtain an acknowledgement. The insurer also has a right to reject if it believes that the assignment is not bona fide or against the interest of the policyholder or public interest or for the purpose of trading the insurance policy. (Content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.)

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Auto-Extension of Coverage Assignment of Policy Credit Card Services Change of signature via e-Connect Disbursement of Policy Benefits Payout via Direct Credit e-PAY e-Statement Epayment Freelook Period Investment Linked Policy Guide Insufficient Investment Value Notification Increase of Total and Permanent Disability (TPD) Limit up to RM10 million per life Non-forfeiture Option Nomination Opt-In Medical Campaign Portfolio Withdrawal Condition Removal of Overall Lifetime Limit for SmartMedic Xtra and SmartMedic Xtra 99 Surrender Third Party Payor Unclaimed Money Updating of New (12-digit) Identity Card Number/Latest Passport Details/Other Personal Details

I have received telephone call from 03-7611xxxx. Is this a valid telephone number from Great Eastern?

Yes, the telephone numbers are valid. These are dedicated telephone numbers currently used by Great Eastern to perform call out for this Auto-Extension of Coverage exercise.

What is the purpose of this call? The call objective is to provide information and details on the features of Auto-Extension of Coverage to the impacted policyholder.

Do I need to provide any information to the person who call me? No, you do not need to provide any personal information during the call.

We will not request for any update or information from the policyholders.

I have received SMS/ Email on Auto-Extension Coverage letter. What is the purpose of this notification? The SMS / email is to inform you that the Auto-Extension of Coverage letter for your policy is now available in e-Connect for your reference.

Who will receive this notification? Any policyholders who have purchased an Investment-Link SmartProtect Essential 3 (SPE3) or/and Investment-Link SmartProctect Wealth 20 (SPW20) policies with Auto-Extension of Coverage.

What is Auto-Extension of Coverage Letter? This letter is meant to provide more information on the Auto-Extension of Coverage features for both Smart Protect Essential 3 and Smart Protect Wealth 20 plans for your awareness.

How do I view my letter? You need to login to e-Connect by following the quick tips below.

Quick Tips:

Login to e-Connect
Select 'My Document'
Select ‘Letter’
Select the letter name ‘ Auto-Extension of Coverage ’

e-Connect Registration Guide, please click here. e-Correspondence Guide , please click here.

Note : Keyman policies (where the company is the policyowner) will receive a physical letter posted to the registered address.

Do I need to do anything after receiving the letter? No, there is no action required from you until your policy reaches the Auto-Extension of Coverage activation period.

When should I take further action? You will receive an Authorization Form prior to the activation of Auto-Extension of the initial coverage. Please follow the instruction provided in the letter to select your preferred action and submit the form to us for our handling.

Who do I contact if I have any enquiries? You can contact your servicing agent or alternatively, send a secured message to us through e-Connect using ‘My Mailbox’ or contact our Customer Service Careline at 1300-1300 88 or email to [email protected] .

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What is an Absolute Assignment? It is the transfer of ownership of a life assurance policy to a separate entity [assignee]. The assignee becomes the new policy owner and the assignor has no further rights thereunder. However, premiums continue to be payable by the Payer.

What is Conditional Assignment? It is the transfer of ownership of a life assurance policy to a separate entity [assignee] upon the death of the life assured. However, all the rights will be reverted back to the assignor if the assignee dies before the payment of the policy money becomes due or if the life assured survives till the maturity date of an endowment policy. The consent of the Conditional Assignee is required for further dealings under this policy.

What is Easi-Pay Service? The Easi-Pay Service is a facility for standing instruction of payment of premiums via Visa/Mastercard.

How do I apply for the Credit Card Service? You will have to complete the Easi-Pay Service Application form and submit it to us at least 2 weeks before the premium due date.

Can I repay my Automatic Premium Loan via credit card? Yes, you may settle any outstanding Automatic Premium Loan by selecting the first option on the Easi-Pay Service Form.

Is there any additional charges for this service? No, there are no additional charges for premiums paid via this facility.

Is there any receipts issued for payments made via this service? There is no receipt issued. You are advised to check your monthly credit card statement. However, if a payment is not successfully deducted, a letter will be sent to the policy owner.

Can I use my uncle's credit card to pay for my premiums? No. This facility is only applicable if you are the card holder or if the card holder is your spouse, child, parents or siblings. How do I cancel the service? You will need to inform us in writing in order for us to cancel this service.

For the hassle free on updating your latest signature, you may complete using the Change of Signature form ( For submission via e-Connect only).

Benefits of using this form:

No more rejection of applications due to old signature differs.
You are NOT required to produce the old signature.
No witness is required.
You NEED NOT visit Head Office or Branches Service Centre to change signature.
Secured submission channel via e-Connect

I would like to change my signature but I cannot remember or re-produce my old signature? There are 2 options to update / change your signature.

To visit any of the nearest Great Eastern Branch Office or Head office to update your new signature.
If you are an existing e-Connect user, please complete the Change of Signature Form (CSD_PSF01B_V01-102019) and submit a scanned copy of this form through eConnect > My Service Request > My Mailbox for our appropriate action.

To download a copy of the Change of Signature Form, please click here For Change of Signature via e-Connect Guide, please click here

I am not an e-Connect user but I know someone who is an e-Connect user. Can I submit this Change of Signature Form via e-Connect through another person’s e-Connect account? No. The submission of Change of Signature via e-Connect form can only be done through the policy owner’s own e-Connect account.

Can I submit this Change of Signature form via fax or email instead through e-Connect? The submission of Change of Signature via e-Connect form can only be done through the policy owner’s own e-Connect account.

Why do I need to update my signature? It is to ensure your latest signature is recorded for verification and handling of any future policy changes or claims request.

If my latest signature is thumbprint, can I use this form? No. For change of signature to thumbprint, please visit the nearest Great Eastern Branch Office or Head Office.

Can I discard the original signed form once I have submitted this form through e-Connect? It is advisable to keep the original form for minimum of 6 months in case the submitted copy in e-Connect is not clear or readable, which we may request for re-submission of this form.

Is my signature immediately updated once I have submitted this form through e-Connect? The processing time for change of signature is 8 working days. You will receive a written confirmation when your latest signature has been updated.

Why my Change of Signature form submitted via e-Connect is rejected? Your submitted change of signature could be rejected due to the following situation:

Incomplete form.
Submitted form is not clear or readable.
Policy stated in the form does not belongs to the e-Connect user.
Policy stated in the form is not an individual policy. Example: Group Multiple Benefit Scheme Policy.

For the convenience of our customers, we wish to advise that the Company will disburse your policy benefit payout under withdrawal option directly into your nominated bank account.

The types of policy benefits are as follow: -

1. Cash Bonus* 2. Survival Benefit 3. Guaranteed Cash Payment* 4. Advance Premium Account (APA) Refund 5. Annuity Payment 6. Other Policy Benefit Payment

* You will be eligible for the payment provided that your policy’s premium is paid up to date.

For e-Connect user, you are advise to update the bank account number via My Service Request > Bank Account Registration

For more details on the step-by-step guide, please refer to the Direct Credit Registration User Guide .

Alternatively, you may complete and submit to Great Eastern the Direct Credit Facility Form (Click here to download/print the form)

Which type of payment is eligible to pay via e-PAY? Policyholder can make payment for the below payment type:-

a. Renewal Premium via e-Connect b. Automatic Premium Loan Repayment via e-Connect c. Reinstatement via e-Connect d. Non Lapse Top-Up via e-Connect (Not applicable for OAC policy) e. Initial Payment via MPOS submission

However, only eligible payment type will be allowed to make payment according to your policy status.

Where to access to e-PAY? Policyholder can access e-PAY via e-Connect except for Initial Payment. However, policyholder needs to register as an e-Connect user first.

How to register as e-Connect user? Policyholder can follow e-Connect guide, please refer to:

www.greateasternlife.com/my >> Personal Insurance >> Get Help >> Customer Service >> e-Connect

Can policyholder use debit card to make payment to Great Eastern via e-PAY? Yes. Policyholder may use debit card issued in Malaysia only under Visa or MasterCard.

For debit card users, policyholder are encouraged to contact the card issuing bank to opt in e-Commerce transactions before start using e-PAY should the Policyholder wish to use the debit card for recurring billings. .

Can policyholder use foreign bank debit card to make payment to Great Eastern via e-PAY? No. e-PAY only accept debit card issued in Malaysia under Visa or MasterCard.

Can policyholder use foreign bank credit card to make payment to Great Eastern via e-PAY? Yes. However, this is only for credit card with 3D Secure.

What is 3D Secure Service? 3D Secure service requires an additional security layer and authentication step for online card transactions. This service is to safeguard against the risk of fraudulent transactions by requesting cardholders to provide the One Time Password (OTP) in order to process the online transactions.

This service is provided by Visa and MasterCard under the name of “Verified by Visa” and “MasterCard SecureCode.”

Can policyholder use e-PAY to pay all Great Eastern polici es? Currently, e-PAY is only applicable for Life insurance policy and Bancassurance (BANCA) policies.

Can policyholder use family member’s credit card/ debit card to make payment to Great Eastern via e-PAY? Yes. However it’s subject to cardholder relationship as below:-

When policyholder made payment via e-PAY, what is the purpose to complete the payer’s name, mobile number and email address? Is this going to replace the information in my policy? This information will only be used to send email and SMS for payment confirmation and the information given will not supersede to the existing contact details in Great Eastern.

How does policyholder know if the payment is successful updated? Payment confirmation will be sent via SMS and email to the cardholder/payer. Alternatively, policyholder also can check the payment details via e-Connect as follows:-

e-Connect >> View Policy Details >> Premium Information

Can policyholder request a copy of payment confirmation which sent via email or SMS to the cardholder / payer? Payment confirmation will be triggered only one time via SMS and email to the cardholder/payer.

Alternatively, policyholders may check the payment details via e-Connect as follows:-

Are there any receipts issued for payment via e-PAY? No receipts will be issued for payment made via e-PAY. However, policyholder may refer to the payment confirmation sent via SMS and email.

Alternatively, policyholders able to view payment details in e-Connect as follows:-

Can policyholder register the credit card/debit card for recurring billing via e-PAY? Yes, when policyholder made payment via e-PAY, they can opt to use the same card for future recurring payment.

What if policyholder registered recurring payment via e-PAY and now he/she wants to change to another card for recurring? Policyholder can perform change payment method under “My Service Request” in e-Connect to update the new card details as follows:-

e-Connect >> My Service Request >> Change Payment Method

What if policyholder did not receive the SMS notification for One Time Password (OTP) while making payment via e-PAY? Policyholder may contact with card issuing bank as OTP SMS will be triggered by the respective issuing bank to the registered mobile number with the bank.

What if policyholder would like to know the reason(s) of unsuccessful payment transaction? Policyholder can check with card issuing bank on the unsuccessful reason.

How many attempts can policyholder try if the payment is unsuccessful? Policyholder will be given 3 attempts to make payments.

When will the payment be updated after e-PAY transaction successfully performed? Upon successful transaction, payment will be updated immediately.

Can policyholder pay policy loan via e-PAY? Please refer to Q1, policyholder is not allowed to pay policy loan via e-PAY.

Can policyholder pay on behalf of their family who is not an e-Connect user? No, e-PAY can be accessed via e-Connect only. Kindly advise the policyholder to register as an e-Connect user in order for them to make payment via e-PAY for their policies.

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What is e-Statement? Insurance policy with annual statement is issued as electronic document effective from 2019 onwards. Policyholders can view and retrieve their statements online through e-Connect portal and will no longer receive the hardcopy of the statement.

What is the type of e-Statements available online in e-Connect?

Premium Paid Statement - statement is now available via e-Connect
Investment-Linked Policy (ILP) Annual Statement
Investment-Linked Annual Sustainability Statement
Reversionary Bonus (RB) Annual Statement
Cash Bonus Statement
Universal Life Annual Statement
Universal Life Annual Sustainability Statement

Click here to login to e-Connect and retreive your statement. Click here for e-Statement guide.

How do I know my e-Statements are available in e-Connect? You will receive an email notification to your registered email address when your statement is updated and available in e-Connect.

Can I change my registered email address? Yes, you can update your email address online through e-Connect > My Account > View Profile or by completing the Person Changes Form (PSF01A).

How many years of my statement are available in e-Connect? You can access up to the last 5 years statement in e-Connect under My Document.

What is the format of my e-Statement? All e-Statements are in PDF format (Portable Document File) readable using Adobe Acrobat Reader (version 5 and above).

How soon I can view my statement after I sign up for e-Connect? You can login and view the statement immediately (if any) as the statements are already available in e-Connect.

Can I still opt for the paper statement? No, as these statements are readily available in e-Connect. You can login at any time to download and print these statements according to your convenience.

How do I sign up for e-Connect? To sign up as e-Connect user, login to e-Connect website at econnect-my.greateasternlife.com . Please click here on e-Connect guide.

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What are the benefits of e-payment?

Convenience Able to make/receive payment at unconventional locations 24 hours a day, 7 days a week, 365 days a year. Eliminates the need to travel and deposit the cheque at the bank as payments are credited directly into your bank account.
Cost Saving e-payment transaction cost less in comparison to cheque where there are costs incurred such as postage, cheque writing fees and trips to Great Eastern Life, bank or post office.
Speed e-payments will reduce the amount of time that you spend on cheque writing and mailing. Funds are available within 2-3 working days from payment approval date (subject to the recipient bank's processing time).
Security e-payment is secured by means of encryption. It is a safe payment channel as you will avoid having to carry cash.
Any charges imposed for e-payment service? No, you can enjoy this service for free.

Will my personal data be safe and remain confidential? Your banking information will be used solely for the purpose of e-payment service. All your personal information is governed by Financial Services Act 2013 (FSA 2013) and Personal Data Protection Act 2010 (PDPA).

Direct Credit

How do I apply to receive funds via e-payment? For e-Connect user, you are advise to update the bank account number via My Service Request > Bank Account Registration

What type of banking account is eligible for e-payment? Saving or Current accounts with MEPS Inter-Bank GIRO (IBG) service where you are the primary account holder.

This e-payment service is not available for overseas bank accounts and any joint account where you are not the primary account holder. For the latest participating banks for e-payment, please visit http://www.paynet.my/interbank-GIRO/banks-tpa.html

When will my bank account be credited? Upon approval of your policy transaction, payment will be credited to your account between 2-3 working days subject to successful bank transfer.

Will I be notified when the fund is credited successfully into my account? Yes, you will receive email notification upon successful crediting of funds into your bank account, provided you have given your email address to Great Eastern Life for e-payment notification.

What happens if my e-payment transaction is not successful? If your e-payment transaction is not successful, Great Eastern Life reserves the right to make payment via another e-payment attempt or via cheque. Reasons for unsuccessful credit to your bank account can be due to invalid bank account number, closed or inactive bank account, different identification number, or if you are not the primary bank account holder. Therefore, kindly ensure that your banking information submitted to Great Eastern Life is correct and up-to-date.

Do I need to apply for e-payment every time I made a transaction with Great Eastern Life? No. You are only required to apply once for this facility. Your banking information will be used for all fund transfer transactions for the same policy(ies) in the future; and shall continue to be used until you inform to revoke your instructions for this e-payment facility or you have provided Great Eastern Life with new banking information.

Direct Debit

What are the e-payment channels available for payment make to Great Eastern Life?

Does Great Eastern Life issue any receipt for the payment through all the above direct debit channels? No receipts will be issued for payment made via direct debit. The account holder must refer to their own bank / credit card statement for confirmation of successful debiting or payment to the Company.

Should you require further enquiries or clarification, contact our Customer Service Care at 1300-1300 88 or email [email protected]

Within 15 days after receiving the policy contract, you may cancel and return the policy to the Company for refund of premium subject to the policy’s Free Look cancellation terms and conditions.

Please note that the 15 days period is based on the date Company received the policy contract or the postal date if by registered post. For example, policy owner has acknowledged receipt of the policy on 15 th January, but thereafter decides to cancel the policy. The request to cancel the policy must reach the company latest by 30 th January.

Who will receive this notification? All Investment Linked policy owners.

I received SMS / Email / Letter related to Investment Linked Policy Guide. May I know the purpose of this guide? This guide will provide you with general information on possible factors that may affect your investment linked policy sustainability and steps that you can take to enjoy insurance coverage for the full term of your policy.

Why did Great Eastern send me this SMS/Email/Letter informing about a guide? This is an industry practice to guide policy owners on the general information on Investment Linked policy.

Are the other insurance companies doing this? Yes, all the other insurance companies are doing the same.

I have received an email titled "Insufficient Investment Value Notification." How do I view my letter? You can view or download the notification letter via eConnect using the following steps:

Login to e-Connect.
Click on the "My Document" tab
Select "Document Type: Insufficient Investment Value Notification".

Please explain why I have received this notification? This letter is to provide policy owner with an early notification on their investment-linked policy’s sustainability status based on the policy’s current investment value.

For policy with low investment value, we have also included recommended options on how to increase your policy’s total investment value to ensure it remains sufficient to pay for your policy’s insurance charges and fees until the full covered term/expiry date of the policy.

What I am expected to do after this? It is important to consider the recommended options and be aware that your policy’s insurance coverage could be affected by *early lapsation if you choose not to adopt any of the recommendation and your policy’s total investment value may become insufficient to pay for the insurance charges and fees.

(* refer to the estimated lapse period stated in the letter )

How is the estimated lapse period calculated? It is based on certain assumptions as stated in the letter.

For further details on the FAQ, please login to e-Connect >> My Portfolio >> Report & Updates Fund Information >> Frequently Asked Questions >> Insufficient Investment Value Notification.

Will all the policyholders’ with inforce policies with TPD benefit regardless of Commencement Date enjoy this increase of TPD limit? Yes, the increase of TPD limit is applicable for all inforce policies (excluding Group policies) and for TPD claim event date from 06 October 2017 onwards.

Will there be any increase in my premium/insurance charges due to this increase in the TPD Limit? There is no change to the current premium/insurance charge.

Will the enhanced RM10 million TPD benefit limit apply to existing policyholders including those who are currently receiving TPD benefit instalment? No.This enhanced TPD benefit limit is only applicable to all existing policyholders retrospectively who have not qualified for TPD claim.

What are the options available if I wish to discontinue with the premium payments but at the same time do not lose the insurance cover? If you opt to discontinue with the future premiums, you may consider the following few options:

to let the policy run on Automatic Premium Loan (APL) if the policy has acquired Cash Surrender Value until the Cash Surrender Value is exhausted.
to convert the policy to a Reduced Paid-up policy according to the amount of surrender value available. Future premiums are fully paid up and you continue to enjoy the insurance cover under the original period of insurance but with reduced sum assured.
to convert the policy to an Extended Term Assurance according to the amount of surrender value available. The period of coverage depends on the amount of surrender value available. All riders attached will be terminated. The policy has now become a term policy with original sum assured less any outstanding loans. All future premium payments cease upon conversion. The availbility of this option is subject to the type of policy purchased.

What is Cash Value? Cash value simply means a sum of cash refund payable upon surrendering a life policy.

What is APL? APL stands for "Automatic Premium Loan". APL is typically applicable by default after your policy acquired a surrender value. It is specified in the policy contract that any amount of unpaid premium will automatically be paid through a premium loan at the end of the grace period. You would have to pay back the loan with interest. For the latest information on the Automatic Premium Loan Interest Rate, please refer to the “What is the interest rates?” table below. Please take note that the interest rate is subject to change by the Company from time to time.

What is Indebtedness with Interest If the Total Investment Value is insufficient to deduct for policy fees and insurance charges, such unpaid policy fees and insurance charges shall be deducted from the rider’s cash value if the rider has acquired any cash value. The amount that deducted shall be charged with interest at the prevailing interest rates to be determined by the Company from time to time and the cash value utilised to pay for the policy fees and insurance charges together with the interest charged will become indebtedness of your policy.

Can I borrow money against my life insurance policy? If you own a whole life or an endowment insurance policy, you can take out a policy loan against the cash value that had built up in the policy. Generally, the policy will acquire cash value after being in force for three full policy years. Compound interest is chargeable on the policy loan at a rate at which the Company shall determine from time to time. Any Policy Loan outstanding will be deducted before any claims is payable. The current Policy Loan Interest Rate will be temporarily revised from 6.8% to 6.4% per annum effective 1 st January 2021 and this interest rate is subject to change by the Company from time to time.

As for Great Universal Life policy, you can take out a policy loan against the policy account value net of surrender charge (if any). The Policy Loan Interest Rate is the prevailing crediting rate plus 2%. This interest rate is subject to change by the Company from time to time.

When can I apply for a policy loan? A loan is available when the policy has acquired a cash value. A policy loan based on a percentage of the gross cash value subject to deduction of outstanding loan or APL, if any can be granted. Policy loans are not available for investment-linked, HealthCare and term policies.

You can apply for loan simply by:

Asking the assistance of your Life Planning Advisor
Mail your request to our Head Office address or your nearest branch
Email your request to [email protected]
Call in to our Customer Service Careline at 1300-1300 88
Apply for a loan personally at our Customer Service Centre on Mezzanine Floor at the head office or the nearest branch. Our Customer Service Officers will be there to help you

Procedures Upon receipt of your request, we will inform you of the loan available and the requirements. The requirements are:

Loan agreement to be signed by the Policy Owner or Assignee where applicable
Consent letter from the Trustee(s)/ Nominee/ Parent of the Nominee/ Conditional Assignee where applicable

Note: The rates above are subject to change by the Company from time to time.

Overdue/Late Premium Interest Overdue/Late Premium Interest as specified above is applicable and payable by the policyowner when payment of premium is made after the 30 days Grace Period.

Crediting Rate Crediting Rate will determine the credited return which will be credited every month into the policyowner's account. The actual crediting rate is not guaranteed and will fluctuate based on the investment performance. A higher credited return may be credited if the investments have performed well and conversely, a lower or negative credited return may be credited if the investments have performed poorly. A negative crediting rate will result in a reduction of Account Value.

Crediting Spread Crediting spread for the products below is deducted on a monthly basis from the investment return prior to the crediting of the credited return into policyowner's account.

Making a nomination The purpose of having life insurance is to ensure that your loved ones are financially protected should anything happen to you. It is then important that your loved ones can access the funds quickly by ensuring all your policies are nominated.

In case of non-Muslim policy owner, a trust will be created in favour of the nominee under the following circumstances:

If the nominee is the spouse or child of the policy owner, or
If the nominee is the policy owner’s parent (provided that there is no living spouse or child at the time of such nomination).

However, in the case of a Muslim policy owner, a trust will be not created in the above circumstances. The nominee of a Muslim policy owner takes the policy moneys only as an executor and must distribute the moneys in accordance with Islamic laws.

What happens when there is no nomination? Where no nomination has been made, the insurance company shall pay the policy moneys to the applicant who produces the Grant of Probate or Letters of Administration, which may take several years.

* Grant of Probate - a formal document issued by the court authorising the executor named by a deceased person in his will to administer his estate in accordance to the deceased’s will.

* Letters of Administration -a formal document issued by the court to a person to administer the estate of a deceased who did not make a will.

How do I make a nomination? If you are 16 years old and above, you can nominate an individual(s) to receive the policy moneys in the event of your demise. Nomination can usually be done at the time of application of the life policy or at any other time, when necessary. The nomination form must be signed by a witness who is 18 years old and above, of sound mental health and who is also not your nominee.

You can nominate or make changes on your current nominee by filling up Appointment/ Changes of Nominees Form. The latest nomination will supersede all previous nominations.

Please complete all pages (page 1-page 4) of nomination form together with your wet ink signature and duly witnessed by disinterest party before submission the form to HO /branches for processing.

What does Opt-In Medical Campaign offer? The “Opt-In Medical Campaign” offers the option to include the following new coverage/ benefits to your main medical plan/ rider without medical underwriting, with additional premium as stated below. By opting in, any secondary medical rider(s) attached to your main medical plan/ rider will also be provided with COVID-19 medical coverage. An endorsement on the new coverage/ benefits will be provided to customers who have chosen to opt in.

Additional Premium:

Notes: 1. In cases where premium payments are made other than annual premium, premium modal factors are to be applied to determine the revised modal premium (including the additional premium for this Campaign) 2. The additional premium will also be subject to the health extra of the policy, if applicable. 3. For Investment-linked policies under premium waived status, a Single Premium Top-Up (SPTU) will be required instead of the additional premium

When is the offer period? The offer period for this “Opt-In Medical Campaign” is from 20 November 2023 to 31 December 2023.

Who is eligible for this “Opt-In Medical Campaign”? This “Opt-In Medical Campaign” is eligible to all existing life assureds where their medical plan/ rider has the exclusion on communicable disease requiring quarantine by law.

The list of eligible medical plans is shown in the table below:

* Only for policies with submission on or after 01 March 2005 which have the exclusion clause of communicable disease. **The opt-in for MediLife Saver Plan will be available at a later stage.

The COVID-19 coverage will also apply to the secondary medical rider if you have opted-in for the coverage above under the primary medical plan. The secondary medical riders are listed below:

For COVID-19 coverage, the treatment is only for fully vaccinated and ineligible unvaccinated. What is the definition of “fully vaccinated” and “ineligible unvaccinated”? “Fully Vaccinated” means the life assured has received the required COVID-19 vaccine and/or booster dose(s), where applicable, as determined by the Ministry of Health (MOH) of Malaysia at the time of hospitalisation.

“Ineligible Unvaccinated” means in relation to a COVID-19 vaccine, a life assured who is ineligible for vaccination due to medical reasons or a life assured who is outside the parameters for vaccination as determined by the MOH of Malaysia at the time of hospitalisation.

What do I need to do if I want to accept this offer? For policyholder who receives the invitation via electronic communication letter, you may accept the offer through our customer portal. Kindly refer to attached Appendix 1 for the step-by-step guide.

Why I am not able to select multiple policies to include the new coverage/ benefits in eConnect? Please be advised that you can only select ONE policy at a time due to different scenarios, e.g. difference in premiums, policy sustainability, option offered, etc.

Do I need to pay additional premium upon signing up for this offer? Yes. To enjoy the new coverage/ benefits, you are required to pay additional premium as stated above.

If my policy is attached with premium waiver rider(s) and/or payer benefit rider(s), how will the additional premium amount impact my premium waiver rider(s) and/or payer benefit rider(s)? For policies with waiver and/or payer riders attached, sum assured for these riders will NOT be adjusted by the same quantum of the additional premium amount.

When will this coverage/ benefits be effective upon my acceptance of this offer?

For Investment-linked Plan The new premium will take effect from next premium due date. The insurance charges for the new coverage/ benefits inclusion will be charged from the next monthly insurance charge due date.

For Traditional Plan (Standalone Medical Plan/ Rider) The new premium and coverage/ benefits will take effect from “Next Premium Due Date/ Next Policy Anniversary”, subject to the type of your medical plan/rider.

Example 1 (Standalone – Yearly Renewable Term Plan): Policyholder has a Great Healthcare medical plan with policy anniversary falling on 15 March of every year and accepts the offer on 01/12/2023 before the next policy anniversary date on 15/03/2024, and premium for year 2024 has not been paid.

The new premium and new coverage/ benefits will be effective from 15/03/2024 (“Next Policy Anniversary Date”) onwards.

Example 2 (Standalone – Yearly Renewable Term Plan): Policyholder has Great Healthcare medical plan with policy anniversary falling on 15 September of every year and accepts the offer on 15/12/2023 after the policy anniversary in year 2023 (i.e. 15/09/2023) , and premium for year 2023 has been paid.

The new premium and new coverage/ benefits will be effective from 15/09/2024 (“Next Policy Anniversary Date”) onwards.

Example 3 (Standalone – Non Yearly Renewable Term Plan): Policyholder has a Great Medic Xtra medical plan with policy anniversary falling on 1 December of every year and on half-yearly payment mode (i.e. premium will due on 1 December and 1 June of every year). The Policyholder accepts the offer on 15/12/2023 before the next premium due date on 01/12/2023) and premium due on 01/12/2023 has not been paid.

The new premium and new coverage/ benefits will be effective from 01/12/2023 (“Next Premium Due Date”) onwards.

Example 4 (Standalone – Non Yearly Renewable Term Plan): Policyholder has a Great Medic Xtra medical plan with policy anniversary falling on 1 September of every year and on half-yearly payment mode (i.e. premium will due on 1 September and 1 March of every year). The Policyholder accepts the offer on 15/12/2023 (i.e. after the premium due date on 01/09/2023) and premium due on 01/09/2023 has been paid.

The new premium and new coverage/ benefits will be effective from 01/03/2024 (“Next Premium Due Date”) onwards.

If my policy is under premium holiday, am I required to clear all the overdue premiums before accepting this offer? No. However, in order to sustain your policy up to its full contractual term/maturity term, we strongly encourage you to settle all overdue premiums before accepting this offer.

My policy has been terminated/lapsed, am I still eligible to sign up for this offer? For policy that has been terminated/lapsed, you are not eligible for this offer.

How will this coverage/benefits inclusion affect my policy sustainability? The additional premium quoted is sufficient to cover the insurance charges for this new coverage/benefits. However, it is also subject to any revision on the insurance charges, any change in occupation class and other policy changes that may affect your policy sustainability. You may refer to the Annual Sustainability Notice for your Investment Linked policy sent to you every year to view your policy sustainability status.

What can I do if I wish to sustain my policy till its full contractual term/maturity term? You may complete the “Investment-Linked Plans: Application Form for Amendment” (PSF06A) to increase your regular premium or to perform Single Premium Top Up (SPTU) as suggested in the Sustainability Notice. Once completed, kindly return the completed form to us together with payment.

If I could not afford to increase the suggested amount in the sustainability notice, how would I know how long my policy may be sustained for? Please refer to the Annual Sustainability Notice for your Investment Linked policy sent to you every year to view your policy sustainability status.

Is there any waiting period for the new coverage/benefits upon my acceptance of this offer? No, there is no waiting period applicable for the new coverage/benefits.

What will happen if I do not respond before the end date of the offer period? Will I be able to accept this offer in the future? This is a limited period offer. Any request to accept this offer after the end of offer period will not be accepted.

Can I cancel the new coverage/benefits after my acceptance of this offer? No. You are not allowed to cancel the new coverage/benefits after accepting this offer. However, you can drop your primary medical plan to cancel the new coverage/benefits.

Step-by-Step Guide for Accepting the Offer via Customer Portal

Important Note:

The answers provided to the FAQs herein set out how this Opt-In Medical Campaign will be administered by Great Eastern Life Assurance (Malaysia) Berhad.

The terms “Great Eastern” and “Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

The information set out in this FAQ is correct as at 20 November 2023.

What is Portfolio Withdrawal Condition? Portfolio Withdrawal Condition is a clause that gives the right to an insurance company to stop offering the medical portfolio by giving advance written notification to policyholders, if it no longer underwrites this type of product. Any withdrawal of the medical portfolio will need to go through a due process of obtaining Bank Negara Malaysia's (BNM) approval to ensure that the policyholders' interest is protected. If Portfolio Withdrawal Condition is exercised, policyholders will be notified by company at least 30 days in advance as stipulated in the contract, thereafter company will not renew the medical plan. All benefits under this medical plan will cease to be payable from anniversary date immediately following the expiry of the 30 days advance notice.

What does the removal of the Portfolio Withdrawal Condition mean to policyholders? With the removal of this clause, the medical policy shall continue to be renewable on each policy anniversary subject to the terms and conditions of the policy. Apart from that, all other existing benefits enjoyed by the policyholders remain unchanged.

The removal of Portfolio Withdrawal Condition is applicable for which products? The removal is applicable for all current selling IL medical riders (on the shelf products) as listed below:

What is the effective date for the removal of the Portfolio Withdrawal Condition? The removal is with immediate effect for all the products listed above.

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What does the removal of the Overall Lifetime Limit mean to policyholders? With the removal of the Overall Lifetime Limit, the benefits payable in respect of eligible expenses incurred for medically necessary services and/or treatments provided to the lifenassured from the risk effective date and during the lifetime of the life assured will not be subject to any Overall Lifetime Limit. In other words, there is NO LIMIT to the Overall Lifetime Limit. However, the Overall Annual Limit of the medical plan is still applicable.

The removal of Overall Lifetime Limit is applicable for which product? The removal of Overall Lifetime Limit is applicable to the products as listed below:

What is the effective date for the removal of the Overall Lifetime Limit? The removal of Overall Lifetime Limit is with immediate effect from 03 January 2017 for all products listed in Q2 above and is applicable to all inforce and new policies.

If I have made a claim with my SmartMedic Xtra/SmartMedic Xtra 99 medical plan prior to 03 January 2017, will the removal of Overall Lifetime Limit apply to my plan? Yes, the removal of Overall Lifetime Limit will still apply to your plan as long as your plan is still inforce. This benefit is applicable to all SmartMedic Xtra and SmartMedic Xtra 99 plans retrospectively.

Is there any increase of insurance charges for SmartMedic Xtra and SmartMedic Extra 99 due to the removal of Overall Lifetime Limit? No. The insurance charges for SmartMedic Xtra and SmartMedic Xtra 99 remain unchanged.

I am an existing policyholder of SmartMedic Xtra/SmartMedic Xtra 99. Where can I obtain a confirmation on the removal of the Overall Lifetime Limit? You may refer to the announcement in our Corporate Website at https://www.greateasternlife.com/my/en/personal-insurance/get-help/customerservice. html or contact your agent.

You may choose to surrender or terminate your insurance policy at any time. If your policy has acquired cash or investment value at the time of surrender or termination, you will receive the surrender value payment less indebtedness and/or other surrender charges (if applicable). Please do consult your insurance agent before you surrender or terminate your policy to ensure you and your family are sufficiently protected against unexpected financial loss or disability.

How to surrender or terminate your policy:

Note: Upon disbursement of payment, the Policy will be terminated so all benefits and rights shall cease.

What is Third Party Payor Requirement? As part of the Bank Negara’s Anti-Money Laundering and Counter Financing of Terrorism guideline, all policy-related payments from third party payor must provide the following requirement effective 1 st August 2020 :

Complete the Customer Details Form for Third Party Payor (available from our payment counter and website)
Photocopy of the Third Party Payor’s identity document (e.g. NRIC, passport) – not require if the third party payor is an entity or company.

This is applicable to all types of payment (cash, cheque, credit/debit card) regardless of amount using the following payment channels:

Payment counters at Great Eastern office
By mail (cheque) to Great Eastern office
EasiPay Service form for credit card auto-debit using third party’s credit/debit card

Who is Third Party Payor? Any person or entity (company, organization etc.) that is NOT registered in the insurance policy record or the parties listed below:

Life Assured
Absolute Assignee
Intermediaries (agents, brokers and financial advisers)

What should I do if I can’t provide the Third Party Payor requirement? Please pay at the following payment channels that are EXEMPTED from third party payor requirement:

Why Great Eastern Life sent my money to the Registrar of Unclaimed Money? Payment that was issued by Great Eastern Life is NOT cash-out or claimed by the policyholder or rightful payee within the period of ONE (1) year from the payment date, the payment will be categorized as unclaimed money.

However, Great Eastern Life will normally notify the policyholder or payee before the money is remitted to the Registrar of Unclaimed Money and after the remittance as well.

How do I claim the money from the Registrar of Unclaimed Money? Please refer below option:

1) You may proceed via online submission eGumis https://ewtd.anm.gov.my ***Criteria to apply via online:-

No changes in policyholder’s name / Identity Card number
Policyholder owns a Malaysian bank account
Policyholder is require to upload their Identity Card (front and back) and Malaysia Account Passbook / Bank Statement copy in eGumis

2) Proceed via manual submission. a) Requirement from Policyholder (Only if there’s any discrepancy on name / identity card number)

Confirmation letter from Great Eastern

*Note: please write-in to us by providing the policy number, identity card number & name of the Assured

Original Identity Card
Photocopy of passbook or bank statement
Original UMA 7 (PIN 1/2015)

b) Requirement from Next of Kin/Administrator/Executor

Certified true copy of Grant of Pobate or Letter of Administration

Additional document:

Certified true copy of proof of relationship
Certified true copy of death certificate
UMA-8 (Borang Bon Tanggungrugi) to be completed and sign by the claimant, in front of Commissioner of Oath or Hakim Mahkamah Seksyen or Majistret, and duly stamped and endorsed by Inland Revenue Board (Lembaga Hasil Dalam Negeri)

What are the documents I need to submit to the Registrar of Unclaimed Money after receiving confirmation letter from Great Eastern Life? You need to submit the following documents to the Registrar of Unclaimed Money:

For Individual

Original confirmation letter from Great Eastern.
Original UMA 7 (PIN 1/2015) form to be completed by policyholder or claimant.
Copy of Claimant’s identity card (front & back) or passport page for Non-Malaysian Citizenship.
Copy of the front page of an active account passbook/bank statement of the applicant (payment will be directly credited into the account)

For Company

Original UMA 7 (PIN 1/2015) form to be completed and signed by the company’s officer, stating his name and position, and affixed with thecompany’s official seal.
Copy of the certificate of registration of the company.
Copy of a bank statement (active current account) bearing the name and account number for the company (payment will be directly credited into the account).

If the policyholder has passed away and as the beneficiary of the Estate, how do I claim the money from the Registrar of Unclaimed Money? You need to submit the following requirements to the Registrar of Unclaimed Money:

Certified True Copy of Letter of Administration of Grant of Probate. If this document is issued outside Malaysia, the document must be registered and sealed by the Malaysian High Court.

If my claim amount is very low, do I still need to provide the Certified True Copy Letter of Administration or Grant of Probate? If the claim amount is RM2,000.00 or less and claimant (executor or administrator) is unable to produce the Certified True Copy of Letter of Administration or Grant of Probate, please submit the following documents to the Registrar of Unclaimed Money:

Certified True Copy proof of relationship between claimant and the deceased.
Certified True Copy of Death Certificate.
UMA 8 duly form completed by the claimant, in front of Commissioner of Oath or Hakim Mahkamah Seksyen or Majistret, and duly stamped and endorsed by Inland Revenue Board (Lembaga Hasil Dalam Negeri).

After submitting the documents to the Registrar of Unclaimed Money, how do I check the application status?

You may contact Registrar of Unclaimed Money directly at:

Bahagian Pengurusan Wang Tak Dituntut Jabatan Akauntan Negara Malaysia Aras 1, Blok Utara , Perbendaharaan 2 Kompleks Kementerian Kewangan No 7 Persiaran Perdana Presint 2 62594 Putrajaya

Tel: +603-8882 1000

Please note that the information on the submission requirement to the Registrar of Unclaimed Money is not conclusive as the Unclaimed Money authority may change theirs rules from time to time. Therefore, it is advisable to check with the Registrar of Unclaimed Money before any submission. For further information on unclaimed money, please refer to Jabatan Akauntan Negara website at https://ewtd.anm.gov.my

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What are the available options for me to update for change of personal details? For change of address, contact number and email address, you may update the change directly online via eConnect at https://econnect-my.greateasternlife.com/econnect-new/#/login through “My Profile” page.

For other personal details update, please complete the Request for Person Changes Form and submit the form together with a certified true copy or original sighted copy of the relevant supporting documents through mail/email to:

Mailing Address

Great Eastern Life Assurance (M) Berhad Menara Great Eastern No 303 Jalan Ampang 50450 Kuala Lumpur Attn: Customer Service Department

Email Address [email protected]

Alternatively, you may approach your agent for assistance or visit our nearest branch office. Please ensure you bring along the original identification document.

What are the required supporting documents to update my personal details? For update of Personal Details such as correction of name, identification number, Date of Birth, gender or change of citizenship, please submit a copy of the Birth Certificate/Identity Card/Passport (personal detail page)/Citizenship Certificate, duly certified true copy or original sighted by a person of prominent standing such as a doctor, lawyer, magistrate, Agency Manager, agent or authorised officers of the company as supporting evidence. For certification by an agent, customer’s signature on the document is required.

It is advisable to indicate ‘ For GELM use only ’ on the copy of identification document before submitting the document to us for processing.

Is certified true copy (CTC) of Birth Certificate required for updating of Identity Card Number (NRIC)? No, you only need to submit the certified true copy of your new NRIC.

Is it possible to change the name of the Assured? If the Assured’s name is different from the name that was originally stated in the Proposal Form, please submit a certified true copy or original sighted official document indicating the change of name from the relevant competent authority and the new identification document as supporting evidence. However, change of name to a different person is not allowed.

Why policyholder needs to update his/her signature? This is to ensure we have policyholder’s latest specimen of signature for verification in the event of any future service request to amend/update policy contractual benefits.

What is the procedure for change of signature? You may complete the Request for Person Changes Form to change/update your new signature.

If you have forgotten or are unable to execute your old signature on the form, please visit our nearest branch office for assistance.

How long does it take to process the change? It will take approximately 5 working days from the receipt date of the documents to process the change provided all relevant documents have been duly submitted.

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COMMENTS

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