SPY-100 & SPJ

Life Coverage covers upon ?

• Death

• Total Permanent Disability

• Accident

• Death and Total Permanent Disability

IL Critical Illness Benefit Rider ( IL CIBR ) & IL Critical Illness Benefit Plus Rider ( IL CIPR ) Covers Upon ?

• Accident

• Critical Illness

• Total Permanent Disability

• Death

Mr. Malik became Total Permanent Disability due to an accident. His Life Coverage in the policy was RM 200K. After he has been declared as Total Permanent Disability he received RM 200K from his Life Coverage. How much amount will the nominee receive if he passes away ?

• RM 200K

• RM 400K

• RM 100K

• No claim will be paid upon Death because Life Coverage covers Total Permanent Disability and Death but only covers one event which occurs first.

What is IL HB ?

• IL Hospitalization Benefit Rider

• IL Hospitalization Surgical Benefit Rider

• IL Hospitalization Income Benefit Rider

IL CABX Stands for ?

• IL Comprehensive Accident Benefit Xtra Rider

• IL Critical Illness Benefit Rider

• IL Hospitalisation Income Benefit Rider

• IL Payer Benefit Xtra Rider

Mr. John purchased SPY-100. IL HB was included in his policy and sum assured was RM 100 . How much will paid for a day if Mr. John gets admitted in Normal Ward ?

• RM 100

• RM 200

• RM 300

• No amount paid

What are the 2 Benefits included in IL Comprehensive Accident Benefit Xtra Rider ( IL CABX )?

• MC Claim

• Total Permanent Disability

• Additional Payout for Accidental Death

• Free trip to Bangkok

How is MC Claim is calculated under IL CABX? Sum Assured is Rm 30K.

• RM 30 X 7.5

• RM 50 X 7.5

Ms. Morgan has been diagnosed by cancer 3rd stage. How does IL Premium Waiver Xtra Rider help her?

• RM 100K will be paid lump sum to the client

• The future premium will be fully waived

• 10% from basic sum assured will be paid each year until the client reaches 70 years old.

What is IL Great Income Rider ( IL GIR )?

• 10% from the IL Great Income Rider sum assured will be paid each year until the client reaches the age of 70 years old.

• 12% from the IL Great Income Rider sum assured will be paid each year until the client reaches the age of 75 years old.

• 20% from the IL Great Income Rider sum assured will be paid each year until the client reaches the age of 75 years old.

• 50% from the IL Great Income Rider sum assured will be paid each year until the client reaches the age of 60 years old.