Great Eastern has launched a new life insurance plan focused on legacy protection and leaving a legacy for your loved ones upon your passing.


Smart Legacy Benefits

  1. Protection with investment allocation that increases over time
  2. High coverage for Death and Total Permanent Disability (TPD)
  3. Booster reward
  4. Flexible protection and investments levels
  5. Additional 1% on sum assured each year
  6. Additional protection for accidental death
  7. No-Lapse Guarantee
  8. Extra protection with additional riders


Legacy Protection

  • Coverage: RM500k upwards
  • Large sum Cost of Insurance 30% discount
  • Coverage Age: Up to age 100 next birthday
  • No medical limit (no medical checkup required for standard health): up to RM4m coverage
    • Age 30 days to 16 next birthday: 1.5m
    • Age 17 – 50 next birthday: 4m
    • Age 51 – 60 next birthday: 3m
    • Age 61 – 70 next birthday: 500k
  • High total payout: Basic Sum Assured + Additional Sum Assured + Total Investment Value
  • No-Lapse Guarantee for first 3 policy years


Boosted Protection

  • Bonus Coverage: 1% Additional Sum Assured every year (without amount capping) up to 30% additional
  • Booster Reward: 12% of Basic Sum Assured credited into your Total Investment Value after 30 years (or age 70 whichever is later)
  • 200% payout (BSA + ASA) for accidental death, up to age 70
  • 300% payout (BSA + ASA) for accidental death on public conveyancing
  • Option to boost investment value via top-ups (min RM1k per top-up)
  • Extra protection with additional riders include Critical Illness Benefit Rider & Premium Waivers upon occurrence of TPD/CI


Smart Legacy Example

Mr Simon Lim wants to leave RM500k to his son and daughter. Instead of setting aside RM1m, Simon decides to get Smart Legacy paying for only approximately 1% or below of RM1m yearly. This allows Simon to be able to spend comfortably without worrying, while ensuring that his children are provided for.

  • Initial Basic Sum Assured: RM1m
  • Additional Sum Assured: RM1m x 1% x 30 = RM300k
  • Total Death Benefit: RM1.3m + Total investment Value



Smart Legacy by Great Eastern is differentiated from the other “Smart” protection plans as below:-

  1. SmartProtect Essential: Focused on all inclusive protection including medical insurance, income replacement & other rider benefits
  2. SmartProtect Max: Focused on debt cancellation, & investment growth
  3. Smart Legacy: Focused on protection, investment growth, & legacy planning for the next generation

Smart Legacy is also the latest leading product in legacy protection offering:-

  • 30 years of uncapped increasing protection at no additional cost
  • Booster reward at 12% of Basic Sum Assured given to your investment value
  • Payout based on TOTAL of sum assured PLUS total investment value
  • High accidental death benefits

Smart Legacy is (at time of writing) leading the market for legacy protection offering the highest value of overall increasing protection over time and total investment value at the lowest cost. It is also hassle-free with no medical check-up or financial underwriting requirements for up to 4m coverage, and premiums are very affordable for a large sum insurance.


Additional Details

  • Life Assured age (at time of entry): 30 days to 70 next birthday
  • Exclusions: Pre-existing conditions, death in 1st year from suicide, TPD from self-inflicted injuries
  • Fund choices include funds invested in Shariah-approved securities but itself is a conventional insurance plan
  • Download: Smart Legacy – Brochure
  • Compare with Smart Legacy Max
E&OE. For information sharing purposes only.




Get a FREE quotation for Smart Legacy!

Gender (required)

Check if applicable (Yes)
Are you a smoker?Do you need Critical Illness coverage?Do you need Premium Waiver benefits?

We will never misuse your information Privacy Policy


Queries on Smart Legacy?