• Allianz Premier Link Advance Insurance Plan

    The Allianz PremierLink Advance is a life insurance policy offered by Allianz Malaysia Berhad. The plan provides your family with financial support in case of any unfortunate event. Along with short-term payment, the plan also comes with a high coverage limit in case of death or total and permanent disability.

    Types of Allianz PremierLink Advance

    Depending upon the tenure, Allianz PremierLink Advance offers you the two following packages:

    • 6-Pay: The 6-Pay package under the Allianz PremierLink Advance allocates 95% of your investment premium to Allianz Life investment-linked funds of your choice.
    • 10-Pay: The 10-Pay package comes with a maximum tenure of 10 years and allocates up to 100% of your investment premiums to Allianz Life investment-linked funds of your choice.

    Allianz PremierLink Advance Features and Benefits

    Let’s take a look at the features and benefits associated with Allianz PremierLink Advance:

    • The plan comes with a high coverage range that has a maximum limit of RM500,000.
    • Short payment term of 6 to 10 years.
    • The facility lets you partially withdraw the funds during the term period in case of emergencies.
    • You are eligible to receive the remaining balance in your investment account at the time of the policy’s maturity.
    • This policy gives you coverage up to the age of 100.
    • The facility lets you switch funds in accordance with your investment needs.
    • You can top-up your premium with a minimum amount of RM500 where 95% of the top-up amount will contribute to the investment.
    • The facility also comes with the following riders: WealthCover, PayorCover, and SecureCover Term.

    Eligibility Criteria

    Let’s look at the eligibility criteria associated with Allianz PremierLink Advance:

    • You should be at least 18 years old at the time of policy purchase.
    • You should be able to pay off the premium by your retirement age (or 55 years of age).

    Allianz PremierLink Advance Calculator

    The following tables contain illustrations for calculation for both the plans available with Allianz PremierLink Advance:

    • 6-Pay:
    Term of the policy Premium paid for insurance Allocation rate Estimated insurance amount
    1-2 years RM10,000 78.00% RM7,800
    3 years RM10,000 83.00% RM8,300
    4 years RM10,000 87.00% RM8,700
    5 years RM10,000 91.00% RM9,100
    6 years RM10,000 95.00% RM9,500
    • 10-Pay:
    Term of the policy Premium paid for insurance Allocation rate Estimated insurance amount
    1-2 years RM10,000 70.00% RM7,000
    3 years RM10,000 76.00% RM7,600
    4 years RM10,000 82.00% RM8,200
    5 years RM10,000 88.00% RM8,800
    6 years RM10,000 94.00% RM9,400
    7-10 years RM10,000 100.00% RM10,000

    Allianz PremierLink Advance Claims

    In order to make a claim for Allianz PremierLink Advance, you need to download the relevant claim form available on the official website of Allianz Malaysia Berhad. Once you fill up the form with necessary details, you need to submit it along with the supporting documents (like medical reports by the treating doctor) via the agent or directly to the nearest Allianz Life branch.

    Once the documents are received by Allianz Malaysia Berhad, the claim process will commence.

    Contact Number

    You can contact Allianz Malaysia Berhad via its customer service number 1-300-88-1028 to get more information on Allianz PremierLink Advance.

    How to Cancel Allianz PremierLink Advance

    The Allianz PremierLink Advance comes with a free-look period of 15 days that allows you to review the suitability of the policy for you. During this period, you can choose to return the policy if you don’t find it to be the perfect fit for you. This will be followed with the refund of any amount paid by you.

    FAQs

    Q. What kind of charges do I have to bear with Allianz PremierLink Advance?

    A. You will have to bear the following charges associated with Allianz PremierLink Advance:

    • Monthly service charge: RM7.42.
    • Top-up charge: RM26.50 per top-up request.
    • Fund management charge: 0.75% to 1.50% p.a.

    Q. What are the factors that affect insurance cover charges and riders available with Allianz PremierLink Advance?

    A. These charges depend upon the amount of insurance, type of insurance, your age, sex, smoking status, etc.

    Q. What is the minimum term available with Allianz PremierLink Advance?

    A. The minimum term FOR both 6-Pay and 10-Pay packages ARE 1 year.

    Q. How many times can I switch between funds with Allianz PremierLink Advance?

    A. You are eligible to get 5 free switches per year with Allianz PremierLink Advance. However for every subsequent switch, you’ll be charged with an amount of RM10.60.

    Q. What kind of documents do I need for the Allianz PremierLink Advance claim?

    A. You can check with the document checklist available on Allianz Malaysia Berhad’s official website. If the process requires any additional documents, you will be notified by Allianz Malaysia Berhad via a deferment letter.

    Q. Who can certify the documents for Allianz PremierLink Advance claim process?

    A. The documents can be certified by advocates, solicitors, and Allianz branch staff.

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