MCIS ZURICH INSURANCE TAIPING DRAGON GROUP AGENCY

                 

                     MCIS ZURICH INSURANCE TAIPING

                             DRAGON GROUP AGENCY 

                                         UNIT(280)

INSURANCE PRODUCTS

1. MZ GROWTH 5G

The Plan With 5 Guarantees

Life can be full of uncertainties, some good and others a little less so. That is why MZ Growth 5G is specially designed to offer you 5 Guarantees towards your financial security.

This savings and protection plan is suitable for customers who prefer flexibility in choosing premium payment term while continuing to enjoy the benefits of consistent income until maturity at age 100. With MZ Growth 5G you can be assured of the financial security to meet the evolving demands of life for you and your family for today and tomorrow.

Key features of MZ Growth 5G at a glance

• Guaranteed option to choose between  4 premium payment term (5,10,15 or 20 years).
• Guaranteed cash payments from end of 10th policy year onwards.
• Guaranteed protection that extends beyond premuim payment term.
• Guaranteed additional accidental death coverage during premium payment term,prior to age 65.
• Guaranteed maturity benefit of 160% of basic Sum Assured

                                        2.        MZ SUPREME WEALTH SAVER

The savings and protection plan that guarantees you annual income

• we understand that it's something difficult to commit to long -term financial expenses. That is why MZ Supreme Wealth saver offers you a protection cum saving plan with limited commitment.
• Depending on your needs, this plan also offers you with short term premium payment term from as low as 5 years and still receive benefit such as a steady and consistent annual income from end of first  policy years.

•   With MZ Supereme Wealth Saver ,you financial commitment will end sooner than you'd imagine.so take the first step towards realizing your dreams.

 Key features of MZ Supreme Wealth Saver at a glancee

• Guaranteed Annual Cash Dividends up to 4.75% of Basic Sum Assured.
• Protection and additional Annual Cash Dividends until policy matures.
• Guaranteed 120% of your Basic Sum Assured is payable upon.

                                                            3.   MZ MediHealth 


Your Lifetime Healthcare Partner

• You are Living the life of your dream -with a wonderful family and fulfilling career ,nothing could seem more perfect.Yet ,all these could change in an instant should illness strike you unexpectedly. when this  happens,all you would want to do is to focus on getting better without having to worry about hospital bills.Do you have a plan that helps you ease your burden on medical expenses from now till beyond retirement age?
• the solution to this is MZ Medihealth-Your Life time Healthcare Partner.

Key features of MZ mediHealth at a glance

• Comprehensive hospital and surgical coverage. 
• Wide range of plans to suit your needs.
• Long -term protection beyond retirement age . 
• High annual limits and lifetime limits hassle free hospital admission 

     

     

                                                  

                                               4.MZ Educash


The education plan that help you provide the best for your child.

• The Graduation Day is something that every parent look forward to with pride and joy-to witness their children dressed in the flowing gown and mortar receiving their scroll. To the parent ,graduation symbolizes fulfillment of a very important milestone in their plans to provide their children with a secure future.
• To witness this moment of pride joy ,you have to initiate a lot of careful planning and discipline and in particular commit to regular and systematic saving .But what if you are not around to complete this saving plan?Your aspiration for your child and your child's dream will be shattered.No parent wants to be in such a situation.
• Hence ,it is only timely that we begin this journey of ensuring fulfillment of our children;s dreams by signing up for a MZ Educash policy .An effective way to securing peace of mind for yourself and letting your children go no with life dreams come true .A plan tailored to your needs because at MCIS ZURICH we care as much as you do.

Key features of MZ Educash at a glance

• Staggered benefit payout to assist in better education planning -benefit payout in two installments prior to maturity and balance is payable upon maturity.
• Guaranteed 2% of basic Sum Assured is given as an extra cash reward .
• Guaranteed insurability to purchase a new Whole Life of Endowment policy within 30 day before or after the maturity date .
• Eligibility for tax relief of up to RM 3,000 for education insurance.
  

                                5. MZ Wealth Multiplier 

The endowment plan that helps you achieve your financial goals.

•  MZ Wealth Multiplier provides you with sound financial security for your well being  .With the assurance of a regular cash flow ,you will have sufficient income  to ensure you are duly rewarded for all your years of hard work .

Key features of MZ Wealth multiplier at a glance 

• regular premium participating endowment product to cater to your saving and protection needs .
• Guaranteed Survival benefit of 10% of your Sum Assured every 3 years .
• 100% of your Basic Sum Assured payable upon maturity .

                                     6.MZ Prime protector




The plan that provides unbeatable value at an affordable price.

• We all value certain things - family ,career ,financial security -that contribute to a full and happy life . As a responsible individual, you need to also ensure that no matter how your life will pan out ,you and your loved ones will continue to taken care of ,thanks to your financial prudence .
• what you need is an insurance plan that will assure you of this ,without unduly straining your current finances.
• MCIS ZURICH understands your needs ,and presents MZ Prime protector -a plan that is affordable yet accords you with all your important insurance protection needs to ensure a secure future.

Key features of MZ Pime Protector at a glance


Affordability 

• Guaranteed insurance protection throughout yor lifetime at a price tailored to the saiz of your wallet.
• premium disccounts for large Sums Assured (>= RM  50,000)

• Value
• Guaranteed insurance protection that extends beyond your premium paying term.
• Generous guaranteed maturity benefits.
• Increasing Death and Total Permanent Disability (TPD)cover.
• Eligibility for tax of up to RM 6,000 for annual life insurance premium and EPF.

7. MZ Wealth Generator

The plan that provides unbeatable value for

your 

•They say that Life is full of compromises and trade-offs. But what if it didn't always have to be that way? What if you could have an insurance policy that lets you have your cake and eat it too? 

MCIS ZURICH presents to you MZ Wealth Generator, an insurance plan that will make the most of your savings and also accords you much needed protection at the same time. This 2-in-1 feature of MZ Wealth Generator provides you with returns on the money you set aside for the future, AND will be there to provide for you and your loved ones in the event you are not able to.

MZ Wealth Generator– providing you peace of mind, security, and prosperity for you to lead the life that you dream of.

Key features of MZ WEALTH GENERATOR AT A GLANCE

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•      Regular premium participating endowment product to cater to your saving and protection needs.
•      Death and total permanent disability (TPD) cover .
•      Maturity benefit upon survival to end of policy term.
•      Additional 5 years death /TPD coverage after the maturity of your policy.
•      Premium discounts for large sum assured(>RM 50,000).
•      Eligibility for tax relief of up to RM 6,000 for annual life insurance premium and EPF.

8. MZ LADYCARE

   Care when you need it.

•     YOU are the pillar of love, as a Friend, Daughter, Companion, Mother and much more, in nurturing, caring and protecting your loved ones. But what CARE have you given your own self ? Have you provided the same gift of protection for your own well-being? Its not too late to do so, with our MZ Lady Care.
•       It begins with providing you protection against female dreaded diseases and illnesses leaving you to focus on your personal goals. It also offers maternity coverage during your motherhood phase in life. 
•      MZ Lady Care stays with you in your later years with its cover on Osteoporosis and Arthritis. Even more, it offers you a periodic health assessment benefit! Gain all these with just one plan. Let MZ Lady Care accompany and care for you, while you focus on being the pillar of love.

COMPREHENSIVE BENEFITS FOR YOU

•      A. Female Illness Benefit
•      Female Cancer (Breast(s), Cervix Uteri, Uterus, Ovary, Fallopian Tube, Vagina/Vulva) - 100% PAYABLE Upon diagnosis with any one of the female cancer, 100% of the Coverage less any amount payable under Carcinoma In-Site will be payable.
•      Carcinoma In-site (Breast(s) or Cervix Uteri) - 20% PAYABLE Upon diagnosis with Carcinoma In-Site either Breast(s) or Cervix Uteri, 20% of the Coverage will be payable.
•      Systemic Lupus Erythematosus (SLE) with Lupus Nephritis - 100% PAYABLE Upon diagnosis with SLE, 100% of the Coverage less any amount payable under Carcinoma In-Site will be payable.
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•   Facial Reconstructive Surgery due to Accident - up to 20% PAYABLE
Full reimbursement of the actual expenses up to 20% of the Coverage upon undergoing plastic or reconstructive surgery as a result of an accident.

•Skin Grafting due to Skin Cancer or Accidental Burning - up to 30% PAYABLE
Full reimbursement of the actual expenses up to 30% of the Coverage upon undergoing skin transplantation as a result of skin cancer or accidental burning.

•Reconstructive Surger for Breast(s) due to Accident or Breast(s) Cancer- up to 40% PAYABLE
Full reimbursement of the actual expenses up to 30% of the Coverage (for 1 breast) or 40% of the Coverage (for both breasts) upon undergoing plastic or reconstructive surgery of the breast(s) due to accident or breast(s) cancer.

• Golden Year Benefit (The benefit shall commence upon attaining age 50)

•Hip or Femur Fractures due to Osteoporosis - up to 20% PAYABLE
Full reimbursement of the actual expenses up to 20% of the Coverage upon undergoing invasive surgery due to fracture sustained in the presence of Osteoporosis.

•Joint Replacement Surgery for Arthritis - up to 20% PAYABLE
Full reimbursement of the actual expenses up to 20% of the Coverage upon undergoing prosthetic replacement of arthritis.

 •Periodic Health Assessment Benefit (every 3 years)

 •At the end of every 3 years, a letter of guarantee for the reimbursement of the actual expenses incurred on medical examination carried out in the appointed medical center or hospital or clinics will be issued. The amount of reimbursement shall not exceed 0.5% of the Coverage.

 •Death or Total and Permanently Disability (TPD) Benefit
 •Upon death or TPD, an amount equal to RM 10,000 will be payable. Such benefit is not applicable to Premium Paying Rider and Unit Deducting Rider.

9. OPTIONAL BENEFITS. Maternity Benefit

 (The benefit shall cease upon attained age 45)

•Coverage for Pregnancy Complications (Disseminated Intravascular Coagulation (DIC), Ectopic Pregnancy, Still Birth, Hydatidiform Mole (Molar Pregnancy), Eclampsia (Severe Hypertension in Pregnancy)) Upon diagnosis to be suffering from any one of the complication during her pregnancy, 20% of the Coverage will be payable.

Congenital Anomalies (Down’s Syndrome, Spina Bifida, Tetralogy of Fallot, Transposition of Great Vessels) If the child is diagnosed to be suffering from any one of the congenital anomalies, 30% of the Coverage will be payable.

Neonatal Death - If the child dies within 30 days from the delivery due to sickness or disease, 20% of the Coverage will be payable.

•Death Due to Child Birth - Upon death due to complication of giving birth, 100% of the Coverage will be payable.

                     
            10.  MZ CAPITAL GROWTH PLUS  

•An investment and protection plan with great protential growth.

•MZ Capital Growth Plus is an investment protection plan designed to help you grow your money, while offering you and your loved ones the benefit of guaranteed insurance coverage. And because MZ Capital Growth Plus is a single premium plan, you don’t have to keep track of tedious monthly payments. With Death and TPD coverage, and five professionally managed funds to invest in, MZ Capital Growth Plus offers you the peace of mind and security to live your life, without compromises.

 Key features of MZ Capital Growth Plus at a glance

•6 funds to invest in, with a start-up from just RM 4,000.

•Flexibility to switch between funds based on your changing risk appetite.

•Withdraw your funds or top-up your investment as your needs change.

•Death and Total and Permanent Disability (TPD) coverage.

11. MZ FLEXIINVEST PLUS

•A flexible protection and investment plan to suit your every need.

•MZ FlexiInvest Plus is a unique protection and investment plan that allows you to vary your investment and protection focus, based on your changing needs. With Death and TPD protection, optional riders, and five professionally managed funds to invest in, MZ FlexiInvest Plus offers you the peace of mind and security to live your life, without compromises.

Key features of MZ FlexiInvest Plus at a glance 

•Death and Total and Permanent Disability (TPD) coverage, with optional riders.

•6 funds to invest in, from just RM100 per month.

•Flexibility to switch between funds based on your changing risk appetite.

•Withdraw your funds or top-up your investment as your needs change.

                                       MZ INCOME SAVER  

           MZ INCOME SAVER allows you to save now to meet tomorrow’s financial needs. By planning ahead, you will be taking your first step towards realizing potential hopes and dreams of your life. With returns to accommodate your financial goals for the coming years, make the first move to secure what you want today.

Benefits For You 

When you have decided upon MZ Income Saver, which is a limited premium paying term participating Endowment plan, you will be entitled to 2 types of cash dividends while being protected until maturity.

Guaranteed Annual Income 

This cash dividend will provide you with guaranteed annual income from the end of premium paying term until maturity. The annual income is equivalent to 4% of your Basic Sum Assured.

Annual Cash DividendsYou will also receive a yearly non-guaranteed cash dividend starting from the end of policy year 1. From the end of the premium paying term, the cash dividend is projected to be 3% of your Basic Sum Assured.

Maturity Benefit 

Upon Maturity of your policy, 125% of your Basic Sum Assured plus accumulated cash dividends (if any) will be payable.

At MCIS ZURICH, we care...

We believe setbacks such as Death & Disability is a moment of traumatic experience for your family. Hence, we try to assist you to overcome loss of income due to Death or Disability by providing for your future financial well-being. In the event of death, we will pay your family a lump sum comprising your Basic Sum Assured with accumulated cash dividends (if any). In the event of a disability, Basic Sum Assured with accumulated Cash Dividends (if any) will be payable in 3 annual installments. Terminal Dividends will also be payable in the event of Death.

What's more...

For additional cover to this plan, please refer to our Agency Personnel on the various Riders available.

At MCIS ZURICH, we make it happen!To plan a better future, call us for a personal consultation.