ING I-INCOME

ING I-Income can make a difference to your financial Security that lasts a lifetime
Invest into a solid financial plan today and reap the benefits of a secure future tomorrow. ING I-Income can make a difference to your financial future.
It is a plan that comes with a guarantee is yours to enjoy even up to the age of 82.
What are the benefits offered?

Insurance protection
• You will get extra protection on top of your insured amount for death4 and total permanent disability4 caused by accidents.
• Upon death, an added 25% of the initial insured amount will be given as funeral expenses.
• Covers death and total permanent disability. Coverage will be increased to 110% of the initial insured amount from 11th policy year onwards..

Guaranteed annual cash payments
• Each cash payment is 4% of the initial insured amount and is guaranteed throughout the policy duration.
• Payable yearly from the end of 10th policy year up to its maturity at age 82.
• As an example, for an initial insured amount of RM 100,000; the annual cash payment will be RM 4,000.

Dividend payments
• Annual cash dividends are payable yearly into your policy from the end of 2nd year onwards. You can either cash it out or accumulate it to earn interest with ING.
• Apart from the annual cash payments, your policy also gives you the opportunity to earn more in the form of non-guaranteed dividends.
• Meanwhile terminal dividend is payable only upon policy termination or maturity.

Conversion Privilege
• Premium duration is for 20 years.
• However if you exercise the Conversion Privilege (to convert the policy to Fully Paid-up3), the premium payment term will be shortened to 10 years.
1 Also known as Interim Cash Payment in the policy contract.
2 Terms and conditions apply.
3 All riders attached (except for CTPDB rider covering for disability) will be terminated when Conversion Privilege is exercised.
4 Coverage for accidental death is up to age 70 while accidental total permanent disability is up to age 65.
This write-up only contains a brief description of the product. It is recommended that you read the ING I-Income brochure and request for a copy of the ING Quotation System Illustration to know more about this plan. For a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.