First LifeShield

First LifeShield

First LifeShield is a unit link life insurance program with Regular Premium from Allianz for maximum protection solution along with long term potential Investment Value.

Product Advantages

  • A complete selection of 12 additional protection benefits according to customer needs.
  • 110% Premium allocation* since 3rd Policy year onwards for potential Investment Value.
  • Flexible in choosing Total Regular Premium amount and frequency based on customer's financial plan.
  • Provide emergency medical assistance services throughout the world.
  • Maximum life protection coverage up to 100 years old.

*) Bid/offer spread 5%.

Protection Benefits

1. Basic benefits

  • 100% basic life Sum Assured.
  • Medical Assistance.

2. 12 additional benefit options (riders) according to protection needs:

  • Sum Assured for 49 critical illness types, with the following options:
    • Critical Illness Plus / CI Plus : It is not reduce Basic Life Sum Assured value.
    • Critical Illness Accelerated / CI Accelerated : Reduce Basic Life Sum Assured value.
    • Critical Illness 100 : Sum Assured for 100 critical illness conditions.
    • Accidental Death & Disablement Benefit / ADDB : Sum Assured for death & permanent disability due to accident.
  • Sum Assured for total permanent disability due to illness / accident, with the following options:
    • Total Permanent Disability : It is not reduce Basic Life Sum Assured value.
    • Total Permanent Disability Accelerated : It is reduce Basic Life Sum Assured value.
  • Flexicare Family : Inpatient and surgical in hospital daily cash plan for Insured including his/her family members.
    • Hospital & Surgical Care+ : Reimbursement for inpatient and surgical in hospital.
  • Premium payment by Allianz if:
    • Payor Protection : Premium Payer dies.
    • Spouse Payor Protection : Premium Payer spouse dies.
    • Payor Benefit : Premium Payer diagnosed with 49 critical illness types / suffering from total permanent disability.
    • Spouse Payor Benefit : Premium Payer spouse diagnosed with 49 critical illness types / suffering from total permanent disability.

Investment Benefits

  • Premium allocation for long term potential investment value**.
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  • Maturity benefit: Potential Investment Value.
  • Potential Investment Value can be withdrawn as needed.
  • Investment fund options available according to the customer's risk profile.

*) Bid offer spread 5%.

**) Potential Investment Value is not guaranteed and may change from time to time, depending on the performance of the selected investment fund.

Investment Fund Options

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