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Investment and savings help you grow your wealth while ensuring that your loved ones are financially secure. Life is unpredictable, and having a reliable savings and investment plan allows you to accumulate funds systematically, earn steady returns, and protect your family from financial hardships in case of unforeseen events.
As representatives of Great Eastern Life Malaysia, Heroes FP Network provides access to investment-linked and savings solutions that promote disciplined financial growth while offering life protection. These plans help you achieve long-term goals such as funding your child’s education, purchasing property, or planning for retirement. In the event of death or total permanent disability (TPD), your nominee receives a payout to safeguard their financial well-being.
Explore the key features and benefits of our three investment and savings plans, SmartProtect Wealth Max, Great Flexi Wealth, and Great Wealth Enhancer, side by side. This comparison helps you understand the differences in coverage, flexibility, and growth potential so you can make an informed decision that aligns with your financial goals and your family’s protection needs.
| Benefit | SmartProtect Wealth Max (SPWM) | Great Flexi Wealth (GFW) | Great Wealth Enhancer (GWE) |
|---|---|---|---|
| Coverage & Premium Terms | Protection until age 70, 80, or 90 next birthday; premium terms of 5, 10, or 20 years | Premium payment term of 5 or 10 years; protection lasts 20 years | Coverage of 15 or 20 years; premium terms of 6 years (for 15-year coverage) or 10 years (for 15- or 20-year coverage) |
| Milestone / Investment Boosters | Booster rewards of up to 5% of basic sum assured; double maturity booster at policy maturity | Yearly Guaranteed Cash Payment (GCP), withdrawable or retained to grow savings | Yearly Investment Booster from end of 1st policy year, withdrawable or retained for potential larger maturity payout |
| Financial Protection | Coverage starting from RM500,000 for death or TPD; high non-medical limit up to RM8 million | Payout of higher of Prevailing Sum Assured or Account 1 Value + Account 2 Value for death or TPD | Lump sum payout for death or TPD |
| Accidental Death Coverage | Additional 100% of sum assured; 200% for public conveyance accidents | Double or triple protection for accidental death | Up to 300% of sum assured for accidental deaths outside Malaysia |
| Safety Net / Sum Assured Growth | Extra 5% of basic sum assured every 10 years, up to 30% | N/A | N/A |
| Conversion / Maturity Options | Option to convert into level sum assured endowment or whole life policy | Maturity payout: higher of 105% of total premiums paid less total GCP, or Account 1 + Account 2 Value | Maturity benefit: 680% or 1150% of total annualised premiums minus total investment booster + TIV with potential growth |
| No-Lapse Guarantee | 6-year No-Lapse Guarantee, ensures policy remains active even if investment value drops to zero | Ensures policy remains active even if Account 1 & 2 Values drop to zero, provided premiums are paid on time | N/A |
| Optional Riders | Optional riders for enhanced protection | Optional riders available for flexibility | Optional Payer Benefit Rider to waive premiums in case of payer death or TPD before age 70 |
| Enrolment Requirements | Hassle-free; no medical check-ups required | Easy enrolment: no medical checks required | Effortless enrolment; no medical requirements |
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