All eligible members of Financial Freedom Community/ffc.asia.

Yes. Spouses who are aged less than 60 years old can participate. Member’s Children aged 30 days to 19 years (or up to 23 years if he is a full time student) can also participate.

The minimum monthly premium required from each member is RM44.

Member can contribute up to maximum of RM150 per month and the benefits will be increased accordingly however it is subject to full underwriting process.

• The amount of premium is same for all eligible members regardless of their age.
• The premium needs to be paid until your plan attains maturity or until the cessation of coverage, whichever occurs first.

*Terms and conditions apply.

No. The spouse/children’s sum assured should be equal or less than the Member’s sum assured.

Yes. They can continue to participate if they continue to remit their premiums to GELM on monthly basis.

From the monthly premium contribution, GELM will invest part of the premium in Unit Fund such as Dana Gemilang/ Lion Progressive Fund/ Lion Balanced Fund/ Lion Strategic Fund/ Lion Fixed Income Fund.

The actual investment returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invested in and it is not guaranteed. And the TIV will be paid out upon maturity.

Yes, member can opt to surrender this policy by completing the “Application Form for Surrender” and a photocopy of the Identity Card and mark “For GELM Use Only” OR by giving a written notice to the Company.

Upon surrender, the member will receive the TIV less any indebtedness. The TIV shall be equal to the value of the cancelled units at the price of the business day on which the request of surrender is received by the Company.

1. Member may withdraw/ redeem some of the units in your account under this plan, provided that:

   • After contributing for at least twelve (12) months, and
   • Subject to minimum amount of the fund is RM200 or more.

You need to fill up surrender form and submit to Great Eastern and at the same time you need to inform your bank to stop the autodebit deduction.

The Company will pay full Death Benefit due to suicide occurring after twelve (12) months from the commencement of the assurance. The policy does not cover suicide within twelve (12) months from the commencement of the assurance.

It is important that you inform us in writing of any change in your / your nominee(s) contact details to ensure that all correspondences reach you/ your nominee(s) in a timely manner.

Death/Total Permanent Disability/Partial Permanent Disability which:

1. resulted from self-inflicted injuries while sane or insane.
2. is sustained as a result of any form of flying except as a passenger on a regular scheduled flight.
3. existed before the effective date of the coverage under the plan.
4. resulted from the war, whether declared or not declared.
5. resulted from provoked assault, drugs, scuba diving, or any form of racing (other than on foot).
6. suicide within the first twelve (12) months of policy cover.

Critical Illness which:

1. existed before the effective date of the coverage under the plan.
2. is diagnosed in the first sixty (60) days from the date of which the assurance on the assured life has become effective.
3. is related to pre-existing illnesses.

Notes: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan.

Should you require additional information about GMBIS, drop your details here and our friendly representative will get in touch with you.