Golden Nest Retirement Plan
What is this plan?
- A retirement savings plan that gives you guaranteed monthly income starting at age 60.
- Helps you prepare financially for retirement while protecting your loved ones.
- Includes yearly bonuses based on the insurer’s investment performance.
- Offers flexible payment terms: 10, 15, or 20 years based on your preference.
- Waives future premiums if you suffer Total Permanent Disability (TPD) before retirement.
Benefits at a Glance
- Monthly guaranteed income up to RM3,000.
- Cash bonuses (non-guaranteed) added yearly.
- TPD benefit up to RM100,000.
- No medical check-up needed for applicants aged 45 and below.
- Option to withdraw part of your savings after age 60.
What's Covered?
- Monthly Retirement Income: RM1,200–RM3,000 (based on premium level).
- Death Benefit: Lump sum payout to your beneficiary.
- TPD Coverage: Premium waiver and lump sum benefit.
- Annual Bonuses: Based on company performance.
- Savings Access: Partial withdrawals allowed after age 60.
Who is this plan suitable for?
- Individuals aged 25–60 looking to secure steady income during retirement.
- Workers without pensions or those wanting to supplement EPF savings.
- Self-employed or freelancers seeking long-term savings security.
- People who prefer low-risk plans with predictable returns.
- Anyone planning to retire comfortably with fixed monthly payouts.
Eligible Age
- Entry Age: 25 – 60 years old
- Payout Start Age: 60 years old
- Coverage Ends: 85 years old