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Legacy built around you

Maximise your wealth with lasting protection that
stretches to the next generation.

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You've worked hard throughout the years to build your wealth of today. With that in mind, let us help you to preserve your legacy with Wealth Heritage Secure.

The investment-linked insurance plan provides high protection with flexible premium payment terms to suit your estate planning priorities, while rewarding you at the same time with loyalty bonuses.

Protect your loved ones’ future with this plan and enable your next generation to pursue their dreams.

Note: In view of the shift in Citi's business strategy, please be informed that this insurance plans/product distributed by Citi is currently unavailable.


Wealth Heritage Secure Benefits

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Short-Term Commitment

Pay premium for 5, 10, 15 or 20 years to enjoy continuous insurance protection up to age 80 or 100.

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Coverage against Death or Total and Permanent Disability (TPD)

Payable based on the higher amount of Basic Sum Insured less withdrawals* or Account Value

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*Click learn more for details

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Up to 4X additional coverage due to accident

Additional coverage for death or Total Permanent Disability (TPD) due to accident prior to age of 70

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*Click learn more for details

Wealth Heritage Secure Requirements

Entry Age

Basic Plan Minimum Maximum
Insured 15 days 70 years old
Owner 18 years old 80 years old

 

Rider Minimum Maximum
Critical Illness
(CI) Waiver of Premium Benefit
Insured - 15 days Insured - 65 years old

Life & CI Pay

or Benefit

Owner - 18 years old Owner - 65 years old

Additional CI

Protect (Optional)

Insured - 15 days Insured - 70 years old

 

 

Maximum Renewable Age

As above

 

Underwriting Requirement

Minimum Sum Assured: RM500,000

Maximum Sum Assured: Subject to underwriting

Major Exclusions for Wealth Heritage Secure (non-exhaustive, please read the Policy Contract for all exclusions)

Suicide Clause

If the Insured commits suicide within twelve (12) months from the Issue Date or any date of reinstatement, whichever is later.

Total & Permanent Disability (TPD)

The Company will not be liable to pay the TPD Benefit if the Insured's TPD is resulting from one or more of the following:

a) intentional self-inflicted injury; or

b) any act due to war, declared or not; or

c) military, naval or air service for any country at war, declared or not; or

d) any pre-existing, or recurring, injury or disablement which the Insured suffered prior to Issue Date or date of reinstatement of this Policy, whichever is later; or

e) participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest.

Terminal Illness

The Company will not be liable to pay the Terminal Illness benefit if the Insured's Terminal Illness is resulting from one or more of the following:

a) if the Insured is diagnosed to be suffering from a Terminal Illness caused by a suicide attempt within twelve (12) months from the Issue Date; or

b) if the Insured is diagnosed to be suffering from a Terminal Illness caused by Pre-existing Conditions.

Accidental Death / TPD Benefit

The Company will not be liable to pay the TPD Benefit if the Insured's TPD is resulting from one or more of the following:

a) Any self-inflicted injury or suicide, while sane or insane;

b) Disease or infection of any kind (unless the bacterial infections occur in connection with or as a consequence of Accidental Bodily Injury);

c) Taking poison, drugs not prescribed by Medical Practitioner, alcohol, sedatives, or inhaling gas (except from hazard incidental to occupation);

d) The attempt or commission of assault or unlawful act by the Insured;

e) Any act due to war, declared or not, military, naval or air service for any country at war, declared or not;

f) Travel or flight in any aircraft, except as a fare-paying passenger on a public licensed air service;

g) Pregnancy, childbirth, miscarriage or any of their consequences;

h) Pre-existing physical or mental defect or infirmity;

i) Any act due to riot and civil commotion;

j) Any pre-existing, or recurring, injury or disablement which the Insured suffered prior to Issue Date or any date of reinstatement of this Policy, whichever is later; or

k) Participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest.

Important notes

1. This write-up is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AXA AFFIN Life Insurance Berhad (723739-W).

2. This is an insurance product of AXA AFFIN Life Insurance Berhad. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank NA, CitiGroup Inc., or any of their affiliates or subsidiaries.

3. For investment-linked insurance products, the account value / surrender value is non-guaranteed and depending on the performance of the investment-linked fund(s) selected

4. Buying an insurance policy is OPTIONAL. You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.

5. There may be eligibility criteria to purchase this insurance product. An underwriting decision (if any) will be made by AXA AFFIN Life Insurance Berhad regarding the customer's eligibility to purchase this insurance product.

6. This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank NA, CitiGroup Inc., or any of their affiliates or subsidiaries for applications of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorised or to any person to whom it is unlawful to make such an offer, invitation or solicitation.

7. This write-up does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorised or to any person to whom it is unlawful to distribute such a document.

8. This insurance plan is underwritten by AXA AFFIN Life Insurance Berhad (Co. No 723739-W) licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

9. Please ask for a copy of the Product Disclosure Sheet for further details. All benefits listed above are subject to terms and conditions. You are advised to read and understand the product terms and conditions before you decide to purchase the policy.

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED PLAN CHOSEN MEET YOUR RISK APPETITE,

AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL

PREMIUMS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED.

 

Citi and AXA have partnered to bring the best expertise from the banking and insurance worlds, and help you protect what's truly important.

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PIDM Disclosure:

For certain Takaful certificates and insurance policies issued by Takaful operators and insurance companies licensed under the Islamic Financial Services Act 2013 and Financial Services Act 2013 respectively, are eligible for protection under the Takaful and Insurance Benefits Protection System (TIPS). For details on the type of benefits eligible under the TIPS and related protection limits, please visit PIDM website (www.pidm.gov.my) or call PIDM toll free line at 1-800-88-1266. Alternatively, you may also obtain a copy of the TIPS brochure from our branches.

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Citi and AXA have partnered to bring the best expertise from the banking and insurance worlds, and help you protect what’s truly important.