If the policyholder purchases Smart Legacy 5/5 together with Smart ProTek 5/5, the insured can get comprehensive benefits. The insured can get not only high returns on the premium but also high protection coverage while maintaining regular saving habits and strong personal income-tax savings.

Smart Protek is specially designed as an income replacement product to provide peace of mind and financial security for loved ones in case unfortunate events happen to the family’s breadwinner. It is highly recommended to purchase Smart ProTek together with Smart Legacy for those who’d like high savings and high return benefits along with life insurance protection.

The premium varies on the age ranging from 0.8% to 4.3% of the initial sum assured. This product is suitable for young healthy professionals.

As this is a term product designed for high protection of life insurance coverage at affordable premium rates, other insurance benefits typically associated with savings insurance products, such as Surrender Value, Paid-Up Value, Policy Loan, and Maturity benefits, are not applicable.

The insured has to undergo medical checkup depending on the insured’s age and the coverage amount that the insured desires.