Disclaimer

These explanation are for illustration purposes only and the information included is neither comprehensive nor exhaustive. You need to refer to the Product Disclosure Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI could be obtained from Your servicing advisers.

The Cost of Insurance payable for the Renewal is not guaranteed and subject to review in future. The adjustment in Cost of Insurance, if any, will aim to reflect the insurer claim experience, cost of medical treatment, medical inflation and advancement in medical technology. This list is not exhaustive and the Cost of Insurance rates may also be revised under other justified circumstances. Such changes, if any, shall be applicable to all Policy Owners irrespective of their policy duration and claim experience. The insurer have the right to revise the rates, benefits, terms and conditions and You will be informed in writing of the revision at least three (3) months before Policy Anniversary.

You should satisfy Yourself that this plan would best serve Your needs, and that investing in this Policy is an easy and affordable way to Your financial well-being. A free look period of fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, will be given from the date of receipt of the Policy by You to review its suitability and should You choose to return the Policy within the period, the amount to be refunded shall follow the terms and conditions in the Policy Contract.

Following the effective implementation of Goods and Services Tax (GST) on 1 April 2015, the insurer will charge the relevant GST amount at 6% or at the prevailing rate on the applicable portion of your insurance premium/fee/charges for the applicable period of insurance coverage from the GST effective date onwards in accordance to the statutory requirement of GST.

Disclaimer Policies

The information on this website is provided for your personel use only. The information provided is not commercial, financial, investment, accounting, tax or legal advice and should not be regarded as such. The resale, distribution or public display or use in any form or manner of the information is prohibited.

The information provided is of general nature only does not take into account your specific objectives, needs and financial situation. The information may be not be appropriate to your individual needs. You should seek advice from your financial adviser before making any financial decisions.

The performance of this website and all information contained within, or accessed from the website are provided to you without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties. YES Wealth Planners Sdn Bhd shall not be responsible or held liable for any problems or technical malfunction of any telephone network or computer line systems, servers, internet, access providers, computer equipment, or software, including any injury or damage to your hardware or another person’s hardware or software, as a result of using this website.

YES reserves the right, as its sole direction, to, modify, disable and discontinue temporarily or permanently, any part or this entire website. We may alter or withdraw any information contained in this website, without liability or notice to you.

By visiting the website, you acknowledge and agree that any reliance on or use of the information available on this website shall be entirely at your own risk. In no event will YES nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website.