*100% of Basic Premium paid shall be payable in the event the Life Assured passes away.
**100% of Basic Premium paid and 10% of Basic Premium paid up to RM100,000 per life for all M-Smart Savings+ policies issued by the Company shall be payable in the event the Life Assured passes away.
***100% of Basic Premium paid and 15% of Basic Premium paid up to RM100,000 per life for all M-Smart Savings+ policies issued by the Company shall be payable in the event the Life Assured passes away.

1. This insurance product is subject to availability.
2. Termination of policy prior to maturity may result in returns lesser than payments made by the policy owner.
3. Terms and conditions apply. Please refer to the Product Disclosure Sheet for product details.
4. For ease of reference, e-policy will be delivered to your personal email address.
5. MCIS Life reserves the right to reject applications where the product has either reached its limit or is no longer available and refund the premium paid without interest.
6. In the event of withdrawal or surrender of any existing MCIS Life policy within two weeks before or during the campaign, MCIS reserves the right to reject the application at any time and refund the premium paid, without interest.
7. M-Smart Savings+ application must be submitted together with proof of premium paid to MCIS Life and the information required for financial underwriting such as source and proof of income. MCIS Life reserves the right to reject the application of M-Smart Savings+ after 7 days from the date of application if no premium is received.