RHB Wealth Advance
Give Your Child a Head Start That Grows
Education Fund + Life Protection | No Medical | Coverage to Age 128
200%
Coverage doubles
automatically
<RM10/yr
Child's insurance
cost
120%
Highest Shield tier
(child = age ≤50)
What YOU Get — Policy Owner Benefits
- YOU control the fund choice, switching, and withdrawals
- Free withdrawal from Year 5 — perfectly timed for tuition
- Zero admin charges from Year 6
- iPay Waiver rider available — if something happens to you, premiums waived automatically
- Tax relief up to RM7,000 (Life Insurance + EPF)
- Your child's plan continues even if you're gone
What Your Child Gets
- Inflation Shield at HIGHEST tier (120% from Year 3) — because child is "50 & below"
- Coverage grows from RM300K → RM600K automatically
- Ultra-low insurance cost (<RM10/yr vs RM126 at age 65)
- Investment compounding for 60+ years
- Loyalty Bonus: 108% (3-pay), 168% (5-pay), 178% (8-pay) of BSA at age 70
- Coverage to age 128 — a lifetime gift
Education Timeline — How the Plan Grows
Illustration: RM100K/yr × 3 years, child starts at age 5, BSA = RM300K
Numbers are illustrative for RM100K/yr × 3yr = RM300K total premium. Actual values depend on fund performance.
SSPN vs Wealth Advance
| Feature |
SSPN |
Wealth Advance |
| Return |
~4% dividend |
Market-linked (fund choice) |
| Life Protection |
None |
Yes, grows to 200% |
| If Parent Dies |
SSPN stops |
Premiums waived (iPay) |
| Auto-Increase |
No |
Yes (+10% every 5 yrs) |
| Withdrawal |
University only |
Free from Year 5 |
| Tax Relief |
Up to RM8K (SSPN) |
Up to RM7K (Life) |
| Flexibility |
Education only |
Any purpose |
"They complement each other. SSPN for tax relief, Wealth Advance for protection + growth."
Inflation Shield — Automatic Coverage Growth
Child = Age ≤50 bracket = HIGHEST starting tier (120% from Year 3)
| Policy Year |
Age ≤50
(Child) |
Age 51–60 |
Age 61–65 |
Age 66–70 |
Age 71–75 |
| 1–2 |
100% |
100% |
100% |
100% |
100% |
| 3 |
120% |
110% |
110% |
110% |
110% |
| 8 |
130% |
120% |
110% |
110% |
110% |
| 13 |
140% |
130% |
120% |
120% |
110% |
| 18 |
150% |
140% |
130% |
120% |
120% |
| 23 |
160% |
150% |
140% |
130% |
120% |
| 28 |
170% |
160% |
150% |
140% |
130% |
| 33 |
180% |
170% |
160% |
150% |
140% |
| 38 |
190% |
180% |
170% |
160% |
150% |
| 43+ |
200% |
190% |
180% |
170% |
160% |
Shield % applies to Basic Sum Assured. Child always starts at the ≤50 bracket regardless of entry age.
Why Not Alpha Future?
| Feature |
Alpha Future |
Wealth Advance |
| Pay Term |
8 years fixed |
3, 5, or 8 years |
| Child Age |
1–10 only |
0–16 (ANB ≤17) |
| Underwriting |
Full UW |
GIO (no medical) |
| Guaranteed Maturity |
75% BSA |
No guarantee |
| Inflation Shield |
No |
Yes (to 200%) |
| Coverage Term |
To age 22/25 |
To age 128 |
| Payor Waiver |
Yes (built-in) |
iPay Waiver (rider) |
"Alpha Future = guaranteed education fund. Wealth Advance = flexible growth + lifetime protection. Different tools for different goals."
Conversation Guide
Open
"I see many parents putting aside money for education in savings or FD. Nothing wrong with that, but there's a smarter approach."
Hook — PO Benefits
"Here's what YOU get as PO: control withdrawals from Year 5 (perfect for tuition), zero charges from Year 6, iPay Waiver if something happens to you. Tax relief on premiums."
Child Benefits
"For your child: Inflation Shield starts at 120% — highest tier. RM300K coverage grows to RM420K by university age. Insurance cost <RM10/yr."
Trust Builder
"No SSPN or education plan gives you this: coverage that GROWS automatically to match tuition inflation."
Close
"How old are your children? Let me prepare a personalized illustration."
Objection Handling
"I'm already saving in SSPN"
They complement each other. SSPN = tax relief. Wealth Advance = protection + growth. If something happens to you, SSPN stops but Wealth Advance continues.
"Why not just Alpha Future? It's guaranteed."
AF requires 8-yr pay, only age 1–10, Full UW. Wealth Advance gives 3-yr pay, up to age 16, GIO, Inflation Shield, coverage to 128.
"What if the fund loses money?"
Shield provides a floor at 120%+ from Year 3. In-Force Guarantee means policy won't lapse during payment term. Your child's protection is secured.
WhatsApp Opener
Tap to copy and personalise
Hi [Name], quick question
How much are you setting aside for [child's name]'s education? University costs keep going up — RM200K today could be RM350K in 10 years
I have clients using an investment plan where you pay for just 3 years, but the education fund keeps growing AND comes with life protection that _automatically increases_ every 5 years
If anything happens to you, the plan continues — premiums fully waived
Shall I prepare a personalised illustration? Just need [child's name]'s date of birth
Discovery Questions
- "How old are your children? When do they start university?"
- "How much are you currently setting aside for education — FD, SSPN, savings?"
- "If something happened to you tomorrow, would the education fund survive?"
- "Have you considered a plan that combines education + life protection?"
For RM reference only. Not for client distribution. Product issued by Tokio Marine Life Insurance Malaysia Bhd. All figures illustrative, not guaranteed.