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at today's rate.
GREAT MaxiProtector is a whole life plan where the premium rate is guaranteed for life from the day you sign up — it won't rise as you age, as your health changes, or as the market shifts. As more plans move to variable pricing, this kind of guaranteed traditional plan is getting hard to find.
GREAT MaxiProtector · Plan Code 0272 · Underwritten by Great Eastern Life Assurance (Malaysia) Berhad · For reference only — actual terms follow the policy contract.
What the premium curve looks like
Same coverage, illustrative comparison
Why this plan is worth a look
Lifetime cover to age 99
On death, your beneficiaries receive the basic sum assured in a lump sum, keeping their finances steady when it matters most.
Total & Permanent Disability cover
TPD before age 65 triggers the basic sum assured per the policy provisions, with future premiums waived — protecting your own needs too.
Maturity benefit
If the policy survives to age 99 next birthday, the basic sum assured is paid out in full — a benefit you or your family can count on.
Premium guaranteed for life
The rate is locked in at entry and stays level throughout the premium payment term, making long-term household budgeting far easier.
Cash value & policy loan
Cash value builds after 3 years of premiums, with policy loans of up to 92% of cash value, or conversion to a paid-up policy for flexibility.
Optional riders
Add a Critical Illness Rider, or a CI Waiver Rider — future premiums are waived on diagnosis of a critical illness, so your cover keeps going.
One plan, three ages that matter
Earliest entry age
Entry from age 17 next birthday, up to a maximum entry age of 70 next birthday.
Premiums stop
Premiums are payable to age 87 next birthday, or until death/TPD — whichever comes first.
Policy matures
The plan matures at age 99 next birthday, paying out the basic sum assured as a maturity benefit.
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Estimated Annual Premium
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Meet Mr Tai
Mr Tai
A licensed advisor focused on life, medical, savings and estate planning — helping clients work out what protection they actually need, in plain language, without the sales pitch. The figures above are an estimate; Mr Tai will confirm a formal illustration based on your actual profile.
Before you apply
Will my premium increase?
No. The rate is fixed at entry based on age next birthday, gender and smoker status, and stays level for the whole premium payment term.
What's the minimum sum assured?
RM25,000, with a large sum assured discount per RM1,000 of coverage once you reach RM50,000 and above.
What isn't covered?
Death by suicide within the first policy year, and TPD from self-inflicted injury, are excluded — full exclusions are in the policy contract.
How can I pay?
By cash, banker's order, cheque or credit card, on a yearly, half-yearly, quarterly or monthly basis (monthly mode excludes cash/cheque).