Home > Our Products > Life Protection > FutureSeries

 

FutureSeries
Shielding the future of those you care

Your hard work is entirely dedicated to the happiness and security of your loved ones. You wish to give them a good future and shield them from the uncertainties of life. Should something unfortunate happen to you, you want the assurance that they are well prepared financially.


FutureSeries is specially designed to provide whole life protection so you can enjoy peace of mind. Even better, it allows you to leave a legacy for your loved ones or if you wish, purchase it for your parents as a gift of love. Our FutureSeries comes with the Best Doctors service, a platform through which you can get valuable, second medical opinions from medical experts worldwide.

 

 

 

FutureSeries

WHAT DOES FUTURESERIES OFFER?

DEATH BENEFIT

If death due to non-accidental cause occurs during the:
First 2 Policy Years – All premiums paid will be refunded without interest.
3rd Policy Year onwards – 100% of the Basic Sum Assured less any indebtedness under this plan will be payable.

ACCIDENTAL DEATH BENEFIT

If death occurs due to accidental causes, the benefit payable is calculated as a percentage of Basic Sum Assured based on the attained age (next birthday) of the Life Assured at the time of death as shown below, less any indebtedness under this plan:

 

Age at Death (next birthday) Benefit (as % of Basic Sum Assured)
40-64 500%
65-80 300%
Above 80 100%

 

MATURITY BENEFIT

Upon maturity at age 100 (next birthday), a guaranteed 100% of the Basic Sum Assured less any indebtedness under this plan will be payable.

NO MEDICAL UNDERWRITING

Hassle-free with no underwriting required to take up the plans under the FutureSeries, subject to eligibility.

LIMITED PAY, COVERAGE FOR WHOLE LIFE

With FutureSeries, you only need to pay premium until the end of the premium paying term from as low as 6 years. Unlike other traditional whole life plans, there is no need to pay premium until the end of your policy term. Also at all times, the Basic Sum Assured will be higher than or equal to your total premiums paid*. Upon the completion of your premium paying term, you will have peace of mind enjoying the coverage during your golden years until the age of 100 (next birthday).

EMERGENCY CASH FOR UNFORTUNATE EVENT

In the event of death occurring from the 3rd policy year onwards due to non-accidental cause or accidental death, 10% of the entitled death benefit will be payable as emergency cash to the beneficiary supported by minimal documentation. The remaining sum will be payable upon receiving the complete documentation as required by MCIS Insurance.

SECOND MEDICAL OPINION ASSISTANCE

With FutureSeries, MCIS Insurance gives you free access to the Best Doctors services. Best Doctors is an organisation that provides second medical opinions from experts around the world. To utilise the services, you can call the Malaysia Toll Free Number at 1800 188 801 with 24/7access. Even better, as part of the service, MCIS Insurance extends the benefits to your spouse and for any children under the age of 19 at no extra cost.

 
For more info, call

*Except the case where the policy is terminated before the end of the policy term or if there is any policy alteration.

 

The product information above is for general information only and it is NOT a contract of insurance. You are advised to refer to the Product Brochure (if applicable), Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for full details.