Invest for a Brighter Future with SecureInvest

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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)
SecureInvest

Invest for a Brighter Future with SecureInvest

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)

Non participating, single premium investment-linked life insurance plan (as low as RM5,000)

Key Features

Protection against Natural and Accidental Death
Maturity Benefit
No medical underwriting required
Single premium payment
Withdraw funds or top up your investment based on your needs
Flexible policy term options of 5, 10, 15 or 20 years
Potential gains from investment-linked funds
Flexibility to switch between 8 investment-linked funds

What is SecureInvest?

Individuals who have loved ones dependent on their income face a unique set of challenges, whereby their unforeseen death can have a devastating financial impact on the lives of their loved ones. Life insurance is particularly important for these individuals, as it will protect and allow their loved ones to manage financial obligations in the event of their demise. True financial freedom is also about having the means to achieve financial milestones through great savings.

That’s why we’ve made SecureInvest. As aninvestment-linked life insurance savings plan, SecureInvest provides both life insurance coverage and the potential for investment growth via 8 attractive funds that you can choose from. With a single premium policy (as low as RM5,000), you only need to pay for SecureInvest once to enjoy its benefits. This is because your Account Value, also known as the value of your overall investments, is what will be deducted monthly to pay for your insurance coverage.

SecureInvest is ideal for individuals looking for a life insurance plan with basic coverage (accidental and non-accidental death) while providing the possibility for even higher financial returns, thanks to its 95% premium allocations into Account Value.

What are the funds I can invest in?

SecureInvest offers 8 attractive funds for you to invest in. MCIS Life Jati Fund, MCIS Life Titan Fund and MCIS Life Global Yakin Fund invest in Shariah-approved securities. However, SecureInvest is not a Shariah-compliant product.

How long does SecureInvest last?

A Policy Term indicates the duration an individual maintains their coverage. SecureInvest has a flexible Policy Term, with options of 5, 10, 15, or 20 years.

How much will SecureInvest cost?

As a single premium payment plan, you only need to pay for SecureInvest once to enjoy its benefits, with plans as low as RM5,000! 

 Achieving financial freedom for yourself and your loved ones may seem like a daunting task, but you don’t have to do it alone. 

Get started with SecureInvest by contacting our friendly life insurance planners TODAY!

Fund Fact Sheet

SecureInvest Benefits

Natural Death

In the event of death due to natural causes, your loved ones will receive a lump sum to help them financially so that they can carry on with their daily lives. The benefit payable, less any indebtedness on the policy,) is shown in the table below:

Policy Year Age Next Birthday at
Policy Anniversary at
the time of Death		 Payment Amount

1
 		 All Ages 100% of Account Value (AV)
2 and above 30 days to 49 years old Higher of:
125% of Single Premium plus
125% of Investment Top-Up Premium (if any) minus
125% of withdrawal of Account Value (if any);
OR
100% of Account Value (AV)
50 years old and above Higher of:
105% of Single Premium plus
105% of Investment Top-Up Premium (if any) minus
105% of withdrawal of Account Value (if any);
OR
100% of Account Value (AV)

Accidental Death

If something as sudden as death due to accidental causes should happen, the amount payable less any indebtedness on the policy to help your loved ones cushion the financial shock will be as below:
Higher of:
150% of Single Premium plus
150% of Investment Top-Up Premium (if any) minus
150% of withdrawal of Account Value (if any);

OR

100% of Account Value (AV)
The same benefit applies for all ages and policy years.

Maturity

Upon maturity of the plan, you will receive 100% of Account Value (AV) less any indebtedness on the policy to live your dreams and enjoy life the way you want.

Learn More

SecureInvest is a non-participating, single premium investment-linked plan with policy term options of 5, 10, 15, or 20 years. 95% of your premiums and investment top-up premium paid will be invested into funds of your choice. 5% of the unallocated rate from your premiums and investment top-up premium paid will be used to meet payment of commissions to intermediaries and management expenses. It also provides protection against Death and additional coverage for Accidental Death. You can sign up for this plan with no medical underwriting required, subject to eligibility and financial underwriting, thus, making it simple and hassle-free!

Anyone aged 30 days old to 70 years old (age next birthday) is eligible for this plan.

There are four options for you to choose from: 5, 10, 15, or 20 years.

This is a single premium plan, starting from as low as RM5,000.

Yes. You can surrender the policy at any time and receive the Account Value.

No. There are no riders attachable to SecureInvest.

Types of Charges Amount
Insurance Charge Insurance charges are deducted monthly from the Account Value to pay for your insurance coverage. The insurance charge for insurance coverage is varied according to the attained age, gender, Sum at Risk, occupational class and medical rating. The insurance charges increase as you grow older.
Policy Fee A one-time policy fee of RM150 will be charged at policy inception.
Withdrawal of Account Value No fee chargeable.
Minimum Withdrawal: RM500
Minimum Account Value Balance after Withdrawal:
RM1,000
Surrender Charge No fee chargeable.
Fund Management Charges (FMC)
Types of Funds Fund Management Charges
Insurance Charge Insurance charges are deducted monthly from the Account Value to pay for your insurance coverage. The insurance charge for insurance coverage is varied according to the attained age, gender, Sum at Risk, occupational class and medical rating. The insurance charges increase as you grow older.
MCIS Life Equity Fund 1.40% p.a.
MCIS Life Jati Fund 1.35% p.a.
MCIS Life Balanced Fund 1.25% p.a.
MCIS Life Dividend Fund 1.50% p.a.
MCIS Life AsiaPac Fund 0.85% p.a.
MCIS Life Global Yakin Fund 0.85% p.a.
MCIS Life Income Fund 0.50% p.a.
MCIS Life Titan Fund 0.85% p.a.
Notes:
  1. The FMC are not guaranteed, and the Company reserves the right to revise these charges by giving you three (3) months written notice.
  2. This 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.
  3. For more information about the funds mentioned above, kindly refer to the Fund Fact Sheet.

  1. 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 from the Issue Date or date of reinstatement, whichever is later.
  2. 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 or any attempt threat while sane or insane; military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.

Note: The above list is not exhaustive. Please refer to the policy contract for full details of the exclusions.

Note

  • The above list is not exhaustive. Please refer to the Policy Contract for full details.
  • 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 199701019821 (435318-U)

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