投资连结保险 · 传承规划Investment-Linked Legacy Planning

用今天的保障，
耕耘明天的财富。 Grow tomorrow's wealth with today's protection.

Smart Revive Max 与 SmartProtect Wealth Plus，两款大东方投资连结保单，为不同人生阶段设计。左右比较特点，再用下方计算器预估您的保费，一键 WhatsApp 联系代理索取正式建议书。 Smart Revive Max and SmartProtect Wealth Plus — two Great Eastern investment-linked plans built for different life stages. Compare features side by side, get an indicative premium estimate, and request a formal quotation on WhatsApp in one tap.

比较两个计划Compare Plans 索取我的建议书 →Request My Quotation →
顾问：Mr Tai  ·  网站：taiyenfei.com  ·  中文资讯：lifetimeplanner.my Agent: Mr Tai  ·  Site: taiyenfei.com  ·  Resources: lifetimeplanner.my
每10年
加码奖赏
Booster
every 10 yrs
生生不息的保障圈
rings of protection
特点比较Side-by-Side

哪个计划，适合您的人生阶段？Which plan fits your life stage?

Smart Revive Max 主打「有限缴费＋提领后弹回保障」，适合追求灵活现金流与更高保障弹性的客户；SmartProtect Wealth Plus 主打「保障至100岁＋意外双倍保障」，适合追求长期传承与全额保障的客户。 Smart Revive Max is built around limited-pay flexibility and a "bounce-back" sum assured after withdrawal. SmartProtect Wealth Plus is built around lifelong coverage to age 100 with accidental death multipliers for long-term legacy planning.

Plan Code 0562
Smart Revive Max
精明富康保障 · 有限缴费投资连结保单Limited-pay investment-linked plan
Plan Code 0525
SmartProtect Wealth Plus
精明至尊增富 · 保障至100岁投连保单Regular-pay investment-linked plan to age 100
保障年期 / 缴费年期Coverage & Payment Term
保障至 70 / 80 / 90 岁；缴费 5 / 10 / 20 年（有限缴费）Coverage to age 70 / 80 / 90 NB; pay 5 / 10 / 20 years (limited pay)
保障至 100 岁；缴费 与保障期相同（阶梯式保费，首20年level）Coverage to age 100 NB; pay for the full term (step-up premium, level first 20 yrs)
投保年龄 / 最低保额Entry Age & Minimum Sum Assured
14天 至 45/65/70岁次生日（依保障期）；最低 RM500,00014 days to 45/65/70 ANB (by coverage term); min RM500,000
14天 至 70岁次生日；最低 RM500,00014 days to age 70 ANB; min RM500,000
身故赔偿Death Benefit
取较高者：（基本保额+附加保额）或 总投资价值 (TIV)Higher of: (BSA + ASA) or Total Investment Value
三者相加：基本保额 + 附加保额 + 总投资价值Sum of all three: BSA + ASA + Total Investment Value
意外身故保障Accidental Death Benefit
无独立意外保障（可另加 IL Accidental Guard Rider）No built-in accidental multiplier (optional IL Accidental Guard Rider)
内建：意外身故额外 100%，公共交通意外额外 200%（70岁前）Built-in: extra 100% on accidental death, 200% on public conveyance (before age 70)
附加保额 (ASA) 增长Additional Sum Assured (ASA) Growth
每10保单年 +5%，上限 30% 基本保额+5% every 10 policy years, capped at 30% of BSA
每保单年 +1%，上限 40% 基本保额（40年封顶）+1% every policy year, capped at 40% of BSA (over 40 years)
入住加护病房 (ICU) 保障ICU Admission Event Benefit
有 Yes连续入住ICU 5天，赔付基本保额 2%–5%，一生限一次，上限RM500,0005 consecutive ICU days pays 2%–5% of BSA, once per life, capped RM500,000
没有 None此计划不含此项福利Not included in this plan
提领后保额弹回 (Cover Revive)Cover Revive after Withdrawal
有 Yes提领24个月后保额弹回原有水平，一生累积上限 RM250,000SA bounces back to original level 24 months after withdrawal, capped RM250,000 aggregate/life
没有 None提领将永久调整保单价值，无弹回机制No bounce-back mechanism after withdrawal
里程碑加码奖赏 (Booster Reward)Booster Reward
依保障期 2%–5% 基本保额，65/75/85岁起每10年发放一次，多次发放2%–5% of BSA by coverage term, from age 65/75/85 and every 10 years after — recurring
一次性 12% 基本保额，于70岁或第30保单年（以较后者）发放One-time 12% of BSA, paid at age 70 ANB or end of 30th policy year, whichever later
满期奖赏 (Maturity Booster)Maturity Booster
有 Yes满期额外 2%–5% 基本保额，符合条件可获双倍满期奖赏Extra 2%–5% of BSA at maturity, doubled if conditions met
没有 None满期福利即为总投资价值，无额外满期奖赏Maturity benefit is TIV only, no separate maturity booster
保单不失效保障 (No-Lapse Guarantee)No-Lapse Guarantee
首 6 年保证不失效（须按时足额缴费，不可提领）First 6 years guaranteed (premiums paid on time, no withdrawal)
首 6 年保证不失效（须按时足额缴费，不可提领）First 6 years guaranteed (premiums paid on time, no withdrawal)
满期转换特权 (Conversion at Maturity)Conversion at Maturity Privilege
有 Yes满期可免体检转换为终身/储蓄型保单（标准体位）Convert to Whole Life/Endowment at maturity, no medical U/W (standard lives)
没有 None不适用Not applicable
适合对象Best Suited For
希望「有限期缴费、长期保障」，且看重资金灵活提领又不失保障的人士Those who want limited-pay protection with flexibility to withdraw funds without losing coverage
希望「保障至百岁、意外双重保障」，专注长期传承规划的人士Those focused on lifelong coverage to 100 and stronger accidental-death protection for legacy planning

＊以上摘自代理手册与产品说明书重点整理，仅供参考，实际条款以保单合约为准。＊Summarized from the agency manual and product brochure for reference only. The actual policy contract prevails.

附加保障Optional Rider

您的传承，由您决定Your Legacy, Your Choice

Smart Revive Max 可另外附加 Legacy Distribution Rider（传承分配附加契约），让身故赔偿的发放方式，配合家人人生各阶段的实际需要——而非一次过全数发放。 Smart Revive Max can be enhanced with the Legacy Distribution Rider, letting you shape how your death benefit reaches your loved ones over time — instead of a single lump-sum payout.

类信托传承服务A Trust-Like Legacy Service

不必另设信托，也能拥有信托般的传承规划Trust-like control over your legacy — without setting up a trust

设立传统信托往往涉及高昂的设立费、年费与繁复法律程序。Legacy Distribution Rider 由大东方人寿免费附加在您的 Smart Revive Max 保单上——没有设置费、没有年费，让您同样能自订发放方式与时间，安心传承。 Setting up a traditional trust often means hefty setup costs, annual fees and complex legal processes. The Legacy Distribution Rider is attached to your Smart Revive Max policy by Great Eastern Life at no cost — no setup fee, no annual fee — giving you the same control over how and when your legacy is distributed.

🆓
免费附加Free to Attach
大东方人寿承担，客户无需付费Provided by Great Eastern at no charge
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RM0
年费 / 行政费Annual / Admin Fee
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持续增值Keeps Growing
未发放余额按非保证利率计息Unpaid balance earns non-guaranteed interest

与其让家人一次过收到一大笔理赔金，您可以选择「一笔过」「分期发放」「里程碑发放」其中一种，或组合两至三种方式，为每一位受益人量身设计属于他们的传承计划。 Instead of your loved ones receiving one large payout, you can choose Lump Sum, Structured Installment, Milestone-Based — or a combination of two to three — tailored individually for each nominee.

1

量身订制Customised to Your Family

依照每位家人的独特需要，安排传承到达他们手上的方式。Shape how your legacy reaches each loved one, in ways that embrace their unique needs.

2

见证每个人生里程碑A Personal Touch at Every Milestone

即使无法亲身见证，也能透过一段祝福留言，在孩子人生重要时刻送上关爱。Even if you can't be there, mark every meaningful milestone with a personalised message of enduring love.

3

更有纪律的传承Greater Discipline Surrounding Your Legacy

结构化发放避免仓促决定，在人生不同阶段持续给予家人支持。Structured disbursements safeguard against hasty decisions while supporting your family through life's stages.

4

让传承持续增值Let Your Legacy Continue to Grow

未发放余额可按非保证利率累积增长，连同最终款项一并发放。Unpaid balances may grow at a non-guaranteed rate, payable together with the final payout.

5

无需额外费用No Additional Cost

附加此契约不收取额外设置费或行政费，规划更具弹性。Enjoy greater flexibility with no extra set-up cost or administrative fees.

Lump Sum

一笔过发放Lump Sum

一次过发放全额，提供即时的经济支援或业务延续资金。Pay out in one lump sum for immediate support or financial continuity.

适用于：业务延续、偿还贷款、教育费用Use case: business continuity, loan repayment, education
Installment

分期发放Structured Installment

依所选年期（最长40年）或受益人指定年龄，按月/季/半年/年发放，提供长期稳定的经济支持。Pay out over a chosen tenure (up to 40 years) or the nominee's designated age, monthly, quarterly, half-yearly or yearly.

适用于：日常生活费、经验尚浅或未准备好管理大笔遗产的受益人Use case: living expenses, nominees not yet ready to manage a large inheritance
Milestone 每位受益人最多选3个Up to 3 per nominee

里程碑发放Milestone-Based

从下方 9 个人生里程碑中，为每位受益人挑选最多 3 个，达成时发放，并附上您专属的祝福留言。Choose up to 3 from the 9 life milestones below for each nominee — payable when achieved, each with your personalised message.

🏫升读大学University Admission
🎓大学毕业Graduation
💍步入婚姻Getting Married
💐结婚纪念日Wedding Anniversary
👶诞下孩子Giving Birth
🏠购置房产Owning a Property
🚀创业Starting a Business
🎂达到指定年龄Designated Age
🌴退休 / 特别权益Retirement / Privilege
💡
Legacy Distribution Rider 目前列于 Smart Revive Max 的可选附加契约中。若您正考虑 SmartProtect Wealth Plus 并希望配置类似的传承分配安排，欢迎向代理查询该保单是否可搭配此契约或其他传承规划方案。 The Legacy Distribution Rider is listed as an optional add-on for Smart Revive Max. If you're considering SmartProtect Wealth Plus and would like a similar distribution arrangement, please check with your agent on rider compatibility or alternative legacy-planning options.
  • 发放安排仅在保单设有受益人提名时适用；所有受益人的发放比例总和须为100%。Settlement options require nominated beneficiaries; the combined payout percentage for all nominees must equal 100%.
  • 分期发放最长年期为40年；每次发放金额须达最低门槛（月RM1,000 / 季RM3,000 / 半年RM6,000 / 年RM12,000），未达门槛将自动调整金额及年期。Structured Installment tenure caps at 40 years; each payout must meet minimum thresholds (RM1,000 monthly / RM3,000 quarterly / RM6,000 half-yearly / RM12,000 yearly), otherwise amount and tenure are adjusted.
  • 里程碑发放每位受益人最多可选3个里程碑事件；若未达成，该笔款项将于年期结束时发放。Up to 3 milestone events may be selected per nominee; if a milestone is not met, that payout is made at the end of the tenure.
  • 未发放余额可能按公司公布之非保证利率累积利息，随最终发放一并支付。Unpaid balances may accrue interest at a company-declared non-guaranteed rate, payable with the final payout.
  • 若身故赔偿总额（扣除欠款后）低于RM300,000，公司将以一笔过方式发放。If the death benefit (less indebtedness) is below RM300,000, the Company will pay it as a single lump sum.

＊以上摘自 Legacy Distribution Rider 宣传单张，仅供参考，条款以正式契约为准。＊Summarized from the Legacy Distribution Rider flyer for reference only. Actual rider terms and conditions prevail.

索取建议书Request a Quotation

填写资料，索取专属建议书Get Your Personalised Quotation

填妥以下基本资料，一键透过 WhatsApp 发送给代理 Mr Tai，为您准备正式的 Sales Illustration（建议书）。我们不在此页面计算或显示任何保费金额——正式保费须由代理依据核保结果提供。 Fill in your details below and send them to agent Mr Tai on WhatsApp in one tap to prepare your official Sales Illustration. No premium figures are calculated or shown on this page — actual premiums are provided by the agent after underwriting.

资料预览Message Preview
＊点击发送后将开启 WhatsApp，讯息已为您预先填写，确认后直接送出即可。代理 Mr Tai 会依据以上资料及后续沟通，为您准备正式建议书。 ＊Clicking send opens WhatsApp with the message pre-filled — just review and hit send. Mr Tai will prepare your official quotation based on these details and follow-up conversation.
更多免费工具More Free Tools

Mr Tai 的规划工具箱Mr Tai's Planning Toolbox

除了 Smart Revive Max 与 SmartProtect Wealth Plus，Mr Tai 也提供以下免费在线工具，协助您从各个角度检视自己的保障与财务规划。点击即可前往使用。 Beyond Smart Revive Max and SmartProtect Wealth Plus, Mr Tai also provides the free online tools below to help you review your protection and financial planning from every angle. Tap any card to open it.

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更多免费工具与资讯More Free Tools & Resources

前往 Mr Tai 的资讯站，浏览所有工具与最新保险资讯Visit Mr Tai's hub for the full set of tools and the latest insurance insights

立即前往 →Visit Hub →
📊

财务缺口计算器Financial Gap Calculator

算出您与家人之间尚存的保障缺口Find the protection gap between what you have and what your family needs

立即使用 →Open Tool →
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了解孕妇保单Learn About Maternity Insurance

专为准妈妈设计的孕期保障方案 MamaShieldMamaShield — protection designed for expecting mothers

立即使用 →Open Tool →
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DSR 房贷资格计算器DSR Home Loan Eligibility Calculator

预估房贷可负担额度，附 MRTA / MLTA 说明Estimate your home loan eligibility, with MRTA / MLTA guidance

立即使用 →Open Tool →
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10秒计算独立医药卡保费10-Second Medical Card Estimator

快速估算独立医药卡 (Standalone Medical Card) 保费Quickly estimate premiums for a standalone medical card

立即使用 →Open Tool →
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不起价可拿回钱的3D传统保单 GVC2 计算器Level-Premium, Cash-Value 3D Traditional Plan Calculator (GVC2)

保费终身固定不上涨还有 bonus 的人寿、重疾、残疾保障计划 GreatVantage 2GreatVantage 2 — life, critical illness & disability protection with level premiums and bonuses

立即使用 →Open Tool →
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不起价可拿回钱的人寿传统保单 GMP 计算器Level-Premium, Cash-Value Traditional Life Plan Calculator (GMP)

保费终身固定不上涨的传统人寿保障计划 Great Maxi ProtectorGreat Maxi Protector — a traditional life plan with premiums that never increase

立即使用 →Open Tool →
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没有遗嘱，资产由谁做主？No Will — Who Decides Your Estate?

没有遗嘱时的 Amanah Raya 收费估算Estimate Amanah Raya's fees when there's no will

立即使用 →Open Tool →
✍️

15分钟遗嘱15-Minute Will

SmartWills — 15分钟内完成您的遗嘱规划SmartWills — draft your will in just 15 minutes

立即使用 →Open Tool →
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与本页相关Related to This Page

信托传承 — 特选人寿保单免费提供Trust-Like Legacy Distribution — Free with Selected Policies

深入了解 Legacy Distribution Rider 如何像信托般规划传承Learn more about how the Legacy Distribution Rider plans your legacy like a trust

立即使用 →Open Tool →

＊以上工具由 Mr Tai (taiyenfei.com) 提供，皆为免费使用，结果仅供参考，不构成投保或财务建议。＊These tools are provided free by Mr Tai (taiyenfei.com). Results are for reference only and do not constitute insurance or financial advice.