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Grow your wealth with EzySaver today

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PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).
EzySaver

Grow your wealth with EzySaver today

I'm Interested
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).

A hybrid plan that consists of both non-participating endowment and investment-linked plan with Guaranteed Cash Payments and potential investment returns.

MCIS Life understands the challenges of balancing your life protection and investment goals. That's why we've introduced EzySaver, the perfect solution for those who want to save regularly while enjoying the freedom to live life on their own terms.

EzySaver it a unique hybrid life insurance plan that offers you the best of both worlds.

EzySaver Basic

This is the non-participating endowment element where 70% of the premium paid will be channelled.

EzySaver Booster

This is the investment-linked element where the remaining 30% of the premium paid will be invested in a variety of fund(s) of your choice at a 95%* allocation rate. This may potentially grow your investments and build your wealth for better financial security.

 

* The 5% unallocated portion will be used to meet company expenses and direct distribution costs including commissions payable to your agent

Effortless Wealth Increment

But there’s more! With EzySaver, the Guaranteed Cash Payments will be payable every year starting from the end of the 3rd policy year until the end of policy term. These Guaranteed Cash Payments provide a reliable source of additional income, helping your wealth grow effortlessly.

An Insurance Policy for All Malaysians

Whether you're a fresh-faced young professional starting your career, a growing family planning for the future, or an individual dreaming of a comfortable retirement, EzySaver is designed just for you. We believe in the power of starting now, because taking that first step towards financial security is absolutely crucial.

Types Of Funds Available

EzySaver is not a Shariah-compliant product. However, MCIS Life Jati Fund, MCIS Life Titan Fund and MCIS Life Global Yakin Fund invest in Shariah-approved securities and will continue to do so.

For more information about the funds mentioned above, kindly refer to the Fund Fact Sheet.

Fund Fact Sheet
MCIS Life Balanced Fund
MCIS Life Equity Fund
MCIS Life Income Fund
MCIS Life Jati Fund
MCIS Life Dividend Fund
MCIS Life AsiaPac Fund
MCIS Life Global Yakin Fund
MCIS Life Titan Fund

What benefits does EzySaver offer?

Death Benefit

If death occurs during the policy term, the death benefit shall be:

Policy Year Death Benefit
1 & 2
  1. Refund of total EzySaver Basic premium(s) paid without interest; and
  2. Account Value (if any)
less any indebtedness.
3 to 20
  1. The higher amount of
    i) Total EzySaver Basic premium(s) paid without interest; or
    ii) 100% of the Basic Sum Assured; and
  2. Account Value (if any)
less any indebtedness.

Accidental Death Benefit

In the event of death due to accidental causes before age 80 is attained, an amount equivalent to 100% of the Basic Sum Assured will be payable on top of the Death Benefit.

Maturity Benefit

Upon maturity of the policy, 120% of the Basic Sum Assured and Account Value (if any) less any indebtedness will be payable.

No Medical Underwriting

Hassle-free and no medical underwriting is required to take up EzySaver, subject to eligibility and financial underwriting.

Guaranteed Cash Payments

While the policy is in-force, Guaranteed Cash Payments will be payable every year starting from the end of the 3rd policy year until the end of policy term.

End of Policy Year Guaranteed Cash Payments
3 - 8 3% of the Basic Sum Assured
9 - 14 7% of the Basic Sum Assured
15 - 20 12% of the Basic Sum Assured
Total 132% of the Basic Sum Assured

You have the following choice:

1
Receive the Guaranteed Cash Payments when it is due
OR
2
Re-invest the Guaranteed Cash Payments into your chosen investment-linked funds

Flexible Premium Paying Term

Choose the premium paying term that best suits your needs and financial position:

1
Limited payment term of 10 years
OR
2
Full payment term of 20 years

Potential Gains from Investment-Linked Funds

Premiums paid for EzySaver Booster will be invested into our investment-linked funds of your choice at 95% allocation rate. If you select the re-invest option under the Guaranteed Cash Payments (Option 2), 100% of your Guaranteed Cash Payments will be invested into your investment-linked funds at 100% allocation rate.

With this investment element, you may potentially grow your investment gains which can help build up your wealth for financial security.

Note: The product features above are not exhaustive. Please refer to the Policy Documents for more details.

Learn More

EzySaver is a 20-year regular premium non-participating endowment and investment-linked plan that offers Guaranteed Cash Payments and potential investment returns. By end of the policy term, 120% of the Basic Sum Assured plus any Account Value will be payable as Maturity Benefit.

It also provides protection against Death and additional coverage for Accidental Death. You can enrol into the plan with no medical underwriting subject to eligibility and financial underwriting, so that you can take up this plan in a simple and hassle-free way.

Individuals who fall within the below mentioned age group are eligible for this plan as long as they are not bedridden, able to walk on his/her own and able to go shopping (except for online shopping) on his/her own.

Minimum

  • 1 year old (age next birthday, subject to minimum 30 days old)

Maximum

  • 65 years old (age next birthday) for Premium Paying Term of 10 years
  • 50 years old (age next birthday) for Premium Paying Term of 20 years

The coverage period for this plan is 20 years.

1

Fund Switching Fee

Not applicable
2

Partial Withdrawal from Account Value

Minimum Partial Withdrawal Amount RM250
Minimum Fund Balance in Investment Account after Partial Withdrawal RM1,000
3

Management Charges

Type of Funds Current Actual Charges Maximum Charges
MCIS Life Equity Fund 1.40% p.a. 1.50% p.a.
MCIS Life Jati Fund 1.35% p.a. 1.50% p.a.
MCIS Life Balanced Fund 1.25% p.a. 1.50% p.a.
MCIS Life Dividend Fund 1.50% p.a. 1.50% p.a.
MCIS Life AsiaPac Fund 0.85% p.a. 1.50% p.a.
MCIS Life Global Yakin Fund 0.85% p.a. 1.50% p.a.
MCIS Life Income Fund 0.50% p.a. 1.00% p.a.
MCIS Life Titan Fund 0.85% p.a. 1.50% p.a.

We reserve the right to revise the charges above by giving you 3 months prior written notice.

You can choose to pay your premium annually, semi-annually, quarterly or monthly. Payments can be made via JomPAY, Credit/Debit Card, Auto-Debit, Standing Instruction, Private Deduction or Angkasa Deduction.

The minimum Basic Sum Assured is RM10,000. The maximum Basic Sum Assured will be RM100,000.

Yes. You can surrender the policy at any time subject to a surrender charge on the Guaranteed Cash Surrender Value from EzySaver Basic as shown below:

Policy Month Surrender Charges (as % of Guaranteed Cash Surrender Value)
1 to 35 100%
36 onwards 20%
Account Value (if any) will be payable upon surrender.

No, there are no riders attachable to EzySaver.

  • The Death Benefit shall not be payable if the Life Assured dies by duelling, self-inflicted injuries or suicide, whether sane or insane within thirteen (13) months of the Policy Issue Date or date of reinstatement of the policy, whichever is later.
  • The Accidental Death Benefit shall not cover accidental death caused directly or indirectly, wholly or partially, by: assault or murder, riot or civil commotion, strikes or terrorist activities, self-destruction while sane or insane; military or naval service in time of declared or undeclared war or while under orders for warlike operation or restoration of public order.
Note: The above list is not exhaustive. Please refer to the Policy Documents for full details.

Note

  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
  • Connect with us

MCIS Insurance Berhad (435318-U)

Wisma MCIS, Jalan Barat,
46200 Petaling Jaya,
Selangor Darul Ehsan
T +603-7652 3388
F +603-7957 1562
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