You Plant, You Gr w, You Harvest.

Wealth Enhancer LifeIncome Plus 1

LifeIncome Plus 2 LifeIncome Plus 3 LifeIncome Plus 4

SHORT-TERM
COMMITMENT LONG-TERM
RETURNS

PRESERVED VALUE
You Plant, You Gr w, You Harvest
Everyone dreams of being wealthy as wealth is the abundance of valuable resources that provide for one’s
better living standard. Wealth can be transformed into lifestyle needs such as home ownership, college
education, retirement funds or even family inheritance.
Building wealth does not have to be a dream anymore. There are ways to build wealth just like growing a tree.
You select the seed, then plant it and later harvest the delicious fruits.
Similarly in building wealth – by taking the steps to plan now, one can lay the foundation for a lifetime of
financial security to meet one’s desired lifestyle needs.
Armed with these insights, Hong Leong Assurance offers you the seeds to grow your own garden of wealth.
With HLA Wealth Builder and its five exclusive riders you now have the opportunity to plan and build your
own wealth.

Guaranteed Yearly Income

With HLA Wealth Builder and its five exclusive riders (Wealth Enhancer and LifeIncome Plus 1, 2, 3, 4), you can
now mix and match to design your wealth blueprint. You may enjoy guaranteed yearly income from as early as
year 1 to age 90. This guaranteed yearly income is expressed as a percentage of sum assured. Please refer to the
tables next page for details of payment.

Short-term Commitment, Long-term Returns

You may exercise the fully paid-up option to shorten your premium payment to 6 years. With such flexibility,
you have the choice to lessen your financial commitment and yet enjoy continuous yearly income and
coverage up to age 90.

Preserving Value at Maturity

HLA Wealth Builder guarantees you the returns of 150% of your Basic Sum Assured (BSA) upon maturity.

1
The Harvest
WHAT IS MY GUARANTEED YEARLY INCOME?

% of Basic Sum HLA WealthBuilder If paid-up at end 5.00%

Assured (BSA) of 6th year
Premium to be paid 8.88%
for 10 years

% of Rider Sum Wealth Enhancer If paid-up at end 1.00%

Assured (RSA) of 6th year
Premium to be paid 1.00% from 1st to 6th year;
for 8 years 1.38% from 7th year onwards

LifeIncome Plus 1 – 4 If paid-up at end 3.00%

of 6th year
Premium to be paid 6.28%
for 12 years

WHEN WILL I RECEIVE MY GUARANTEED YEARLY INCOME?

HLA Wealth LifeIncome LifeIncome LifeIncome LifeIncome

Wealth Enhancer Plus 1 Plus 2 Plus 3 Plus 4
Builder

Starting from End of End of 45 years old 55 years old 60 years old 65 years old
10th year 1st year

Payable Up to expiry of respective plan

HLA Wealth Builder and its five exclusive riders preserve value in the long term to meet your desired lifestyle needs.

2
The Effort
HOW LONG IS THE PREMIUM PAYMENT TERM?

HLA WealthBuilder Wealth Enhancer LifeIncome Plus 1 – 4

10 years; or alternatively 8 years; or alternatively 12 years; or alternatively

paid-up at end of 6th year paid-up at end of 6th year paid-up at end of 6th year

Always Protecting Your Family and You

You can have the peace of mind knowing that HLA Wealth Builder gives you increasing coverage.

HLA WealthBuilder

Policy Year (End of Year) If paid up at end of 6th policy year Premium to be paid for 10 years
1 110% of BSA 110% of BSA
2 120% of BSA 120% of BSA
3 130% of BSA 130% of BSA
4 140% of BSA 140% of BSA
5 150% of BSA 150% of BSA
6 150% of BSA 175% of BSA
7 150% of BSA 200% of BSA
8 150% of BSA 225% of BSA
9 150% of BSA 250% of BSA
10 and onwards 150% of BSA 275% of BSA

BSA – Basic Sum Assured

SURELY BELONGS TO YOU

From the five riders with additional premium, you can look forward to a steady guaranteed yearly income stream. You can
be rest assured that your outstanding guaranteed yearly income is payable in one lump sum to your loved ones should
death or total and permanent disability happen to you.

3
WHAT YOU NEED TO KNOW...
Entry age: Minimum – 1 month; Maximum – ranges from 40 to 60 years
Basic Sum Assured: Minimum – RM10,000; Maximum – Subject to underwriting
Rider Sum Assured: Minimum – RM10,000; Maximum – Subject to underwriting
Before you sign up for this policy, you should assess the suitability of this policy in relation to your needs and
that you can afford the premium payable under the policy.
The value of the dividends and interest earned on the yearly income retained with us are
not guaranteed and will depend on the investment performance and operating experience of
our life insurance (participating) fund.
It is highly recommended that you ask for and study our sales illustration and Product Disclosure Sheet,
paying particular attention to the non-guaranteed benefits.
Total and Permanent Disability benefit will be paid in accordance to the Company’s Total and Permanent
Disability provision.
All applications are subjected to underwriting.

HOW TO NOTIFY CLAIM?

In the event of a claim, you just need to submit a written notice on the occurrence of the claim event.

WHAT HAPPENS IF YOU TERMINATE YOUR POLICY EARLY?

Your policy will acquire a guaranteed minimum cash value after you have paid premium for 3 full years.
This guaranteed minimum cash value will be the minimal amount we pay you when you terminate your
policy prematurely.
If you terminate your policy prematurely, it may result in you getting back less than the premium you had
earlier paid for in this policy.
If you retain your policy at the meantime but choose to stop your premium payment now, your policy
may be terminated at a later stage thus termination of protection and loss of your planned income streams.

4
YOUR SATISFACTION IS GUARANTEED
You have 15 days to review your policy after the delivery date. If for any reason you decide not to take up the policy,
you may cancel the policy and you will get a full refund your premiums paid less any deduction of medical
expenses incurred.

Important: This brochure is merely for simple brief information and is never intended to be a basis of an insurance policy or
contract of insurance. Please ask for a copy of our policy for specific terms, conditions and exclusions of coverage for perusal. The
information contained in this brochure may be changed without prior notice. In the event of any dispute or ambiguity arising out
of the Bahasa Malaysia and Chinese translations in this brochure, the English version shall prevail.