text:
Assignment of Policy
Credit Card Services
Change of signature via e-Connect
Deferment of Premium Payment Program (DPP Program)
Disbursement of Policy Benefits Payout via Direct Credit
Extension of Medical Rider Coverage up to Age 99 Years
Freelook Period
Goods and Services Tax (GST)
Investment Linked Policy Guide
Insufficient Investment Value Notification
Increase of Total and Permanent Disability (TPD) Limit up to RM10 million per life
Non-forfeiture Option
Portfolio Withdrawal Condition
Removal of Overall Lifetime Limit for SmartMedic Xtra and SmartMedic Xtra 99
Unclaimed Money
Updating of New (12-digit) Identity Card Number/Latest Passport Details/Other Personal Details
What is an Absolute Assignment?
It is the transfer of ownership of a life assurance policy to a separate entity [assignee]. The assignee becomes the new policy owner and the assignor has no further rights thereunder. However, premiums continue to be payable by the Payer.
What is Conditional Assignment?
It is the transfer of ownership of a life assurance policy to a separate entity [assignee] upon the death of the life assured. However, all the rights will be reverted back to the assignor if the assignee dies before the payment of the policy money becomes due or if the life assured survives till the maturity date of an endowment policy. The consent of the Conditional Assignee is required for further dealings under this policy.
What is Easi-Pay Service?
The Easi-Pay Service is a facility for standing instruction of payment of premiums via Visa/Mastercard.
How do I apply for the Credit Card Service?
You will have to complete the Easi-Pay Service Application form and submit it to us at least 2 weeks before the premium due date.
Can I repay my Automatic Premium Loan via credit card?
Yes, you may settle any outstanding Automatic Premium Loan by selecting the first option on the Easi-Pay Service Form.
Is there any additional charges for this service?
No, there are no additional charges for premiums paid via this facility.
Is there any receipts issued for payments made via this service?
There is no receipt issued. You are advised to check your monthly credit card statement. However, if a payment is not successfully deducted, a letter will be sent to the policy owner.
Can I use my uncle's credit card to pay for my premiums?
No. This facility is only applicable if you are the card holder or if the card holder is your spouse, child, parents or siblings.
How do I cancel the service?
You will need to inform us in writing in order for us to cancel this service.
For the hassle free on updating your latest signature, you may complete using the Change of Signature form ( For submission via e-Connect only).
Benefits of using this form:
I would like to change my signature but I cannot remember or re-produce my old signature?
There are 2 options to update / change your signature.
To download a copy of the Change of Signature Form, please click here
For Change of Signature via e-Connect Guide, please click here
I am not an e-Connect user but I know someone who is an e-Connect user. Can I submit this Change of Signature Form via e-Connect through another person's e-Connect account?
No. The submission of Change of Signature via e-Connect form can only be done through the policy owner's own e-Connect account.
Can I submit this Change of Signature form via fax or email instead through e-Connect?
The submission of Change of Signature via e-Connect form can only be done through the policy owner's own e-Connect account.
Why do I need to update my signature?
It is to ensure your latest signature is recorded for verification and handling of any future policy changes or claims request.
If my latest signature is thumbprint, can I use this form?
No. For change of signature to thumbprint, please visit the nearest Great Eastern Branch Office or Head Office.
Can I discard the original signed form once I have submitted this form through e-Connect?
It is advisable to keep the original form for minimum of 6 months in case the submitted copy in e-Connect is not clear or readable, which we may request for re-submission of this form.
Is my signature immediately updated once I have submitted this form through e-Connect?
The processing time for change of signature is 8 working days. You will receive a written confirmation when your latest signature has been updated.
Why my Change of Signature form submitted via e-Connect is rejected?
Your submitted change of signature could be rejected due to the following situation:
What is Deferment of Premium Payment Program for COVID-19 Outbreak?
It is a Program for eligible policyholders to apply to defer their regular premium payment for 3 months.
Policyholders can delay their premium payment for 3 consecutive months if his or her application for this Program is approved by the Company.
What will happen to the policy which has been approved under this DPP Program?
Company shall continue to provide the protection coverage under the policy. In other words, should there be a claim during this 3-months period, the claim will be processed in accordance to the existing policy coverage, subject to terms and conditions.
If the claim is admissible, the Company reserves the right to deduct the outstanding premium from the claim payment or collect the outstanding premium prior to the payment of claim.
When is the effective date for this Program?
From 1 April 2020 to 31 December 2020 (both dates inclusive). Application to defer premium payment must be received by the Company within this period.
Who is eligible to apply for this Program?
Does the policyholder need to pay back the premium after the Program has ended?
Yes, policyholder has to pay back the deferred premium(s) and the next due premium once the Program has ended to avoid lapsation of policy. Please be reminded that this is not a waiver of premium program.
If the policy has premium deduction via credit card/debit card/GIRO or bank standing instruction, what should the policyholder do when their application has been approved?
If the application is approved:
What should the policyholder do to restore the premium deduction via credit card/debit card/GIRO or bank standing instruction when the Program is over?
How long does it take to process the application?
The processing will take up to 10 working days (during MCO period) and 5 working days (after MCO period) from the date of receiving the completed form and documents. Policyholders will receive notification of their application status via email.
If approved, when does the Program commence?
The Program shall commence from the next premium due date up to maximum of 3 monthly premiums.
Can the policyholder submit multiple applications for the same policy under this Program?
No, this Program is only available once for each policy.
What is the application process?
A. Interim Process
(1 April 2020 to 5 April 2020)
Please take note that as an interim process, additional verification shall be performed on submissions received.
(i) Writing to our dedicated email email@example.com to request for an application.
(ii) An application form will be emailed to the policy holder for completion.
(iii) To email* the completed form together with supporting documents to firstname.lastname@example.com
B. Mandatory Submission through e-Connect
(6 April 2020 to 31 December 2020)
As part of the Company's measurement to safeguard our customers' information, submissions are mandatory via e-Connect and below are the steps:
(i) Policyholder to register / login to e-Connect
(ii) Retrieve the application form in e-Connect
(iii) Submit the completed form and supporting documents through My Mailbox in e-Connect
Important Note:
What are the documents required?
Does the policyholder have other options besides this Program?
Yes, policyholder can consider other options like reducing sum assured or removing some benefits or riders from the policy to reduce the premium amount. Policyholder can consult the servicing agent for appropriate advice.
If the policy lapses after the deferment period, can the policy be reinstated?
Yes, policyholder can apply for reinstatement by submitting Health Warranty Form as per the existing process and requirement. For more details, please contact your servicing agent.
Policyholder still receives Automatic Premium Loan (APL) and/or Lapse notice after the application has been approved. Why?
For approved applications, policyholders may ignore the notice. Should there be any enquiries, please email to email@example.com
If the application is approved, is there any late payment interest imposed during the payment deferment period?
For successful application, there is no late payment interest imposed during this deferment period.
For the convenience of our customers, we wish to advise that the Company will disburse your policy benefit payout under withdrawal option directly into your nominated bank account.
The types of policy benefits are as follow: -
1. Cash Bonus*
2. Survival Benefit
3. Guaranteed Cash Payment*
4. Advance Premium Account (APA) Refund
5. Annuity Payment
6. Other Policy Benefit Payment
*You will be eligible for the payment provided that your policy's premium is paid up to date.
Please complete the Direct Credit Facility Form with your bank account details and return to us for our necessary action.
You may submit the completed form to your servicing agent or through the following methods:
1. By fax to +603 4259 8198
2. By email to email@example.com
3. By mailing to:
Great Eastern Life Assurance (Malaysia) Berhad
Customer Service Centre
Mezzanine Floor, Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur
Kindly be informed that early submission of the form with complete details would ensure a timely disbursement of your payout.
Which type of payment is eligible to pay via e-PAY?
Policyholder can make payment for the below payment type:-
a. Renewal Premium via e-Connect
b. Automatic Premium Loan Repayment via e-Connect
c. Reinstatement via e-Connect
d. Non Lapse Top-Up via e-Connect (Not applicable for OAC policy)
e. Initial Payment via MPOS submission
However, only eligible payment type will be allowed to make payment according to your policy status.
Where to access to e-PAY?
Policyholder can access e-PAY via e-Connect except for Initial Payment. However, policyholder needs to register as an e-Connect user first.
How to register as e-Connect user?
Policyholder can follow e-Connect guide, please refer to:
Can policyholder use debit card to make payment to Great Eastern via e-PAY?
Yes. Policyholder may use debit card issued in Malaysia only under Visa or MasterCard.
For debit card users, policyholder are encouraged to contact the card issuing bank to opt in e-Commerce transactions before start using e-PAY should the Policyholder wish to use the debit card for recurring billings. .
Can policyholder use foreign bank debit card to make payment to Great Eastern via e-PAY?
No. e-PAY only accept debit card issued in Malaysia under Visa or MasterCard.
Can policyholder use foreign bank credit card to make payment to Great Eastern via e-PAY?
Yes. However, this is only for credit card with 3D Secure.
What is 3D Secure Service?
3D Secure service requires an additional security layer and authentication step for online card transactions. This service is to safeguard against the risk of fraudulent transactions by requesting cardholders to provide the One Time Password (OTP) in order to process the online transactions.
This service is provided by Visa and MasterCard under the name of "Verified by Visa" and "MasterCard SecureCode."
Can policyholder use e-PAY to pay all Great Eastern policies?
Currently, e-PAY is only applicable for Life insurance policy and Bancassurance (BANCA) policies.
Can policyholder use family member's credit card/ debit card to make payment to Great Eastern via e-PAY?
Yes. However it's subject to cardholder relationship as below:-
When policyholder made payment via e-PAY, what is the purpose to complete the payer's name, mobile number and email address? Is this going to replace the information in my policy?
This information will only be used to send email and SMS for payment confirmation and the information given will not supersede to the existing contact details in Great Eastern.
How does policyholder know if the payment is successful updated?
Payment confirmation will be sent via SMS and email to the cardholder/payer.
Alternatively, policyholder also can check the payment details via e-Connect as follows:-
Can policyholder request a copy of payment confirmation which sent via email or SMS to the cardholder / payer?
Payment confirmation will be triggered only one time via SMS and email to the cardholder/payer.
Alternatively, policyholders may check the payment details via e-Connect as follows:-
Are there any receipts issued for payment via e-PAY?
No receipts will be issued for payment made via e-PAY. However, policyholder may refer to the payment confirmation sent via SMS and email.
Alternatively, policyholders able to view payment details in e-Connect as follows:-
Can policyholder register the credit card/debit card for recurring billing via e-PAY?
Yes, when policyholder made payment via e-PAY, they can opt to use the same card for future recurring payment.
What if policyholder registered recurring payment via e-PAY and now he/she wants to change to another card for recurring?
Policyholder can perform change payment method under "My Service Request" in e-Connect to update the new card details as follows:-
What if policyholder did not receive the SMS notification for One Time Password (OTP) while making payment via e-PAY?
Policyholder may contact with card issuing bank as OTP SMS will be triggered by the respective issuing bank to the registered mobile number with the bank.
What if policyholder would like to know the reason(s) of unsuccessful payment transaction?
Policyholder can check with card issuing bank on the unsuccessful reason.
How many attempts can policyholder try if the payment is unsuccessful?
Policyholder will be given 3 attempts to make payments.
When will the payment be updated after e-PAY transaction successfully performed?
Upon successful transaction, payment will be updated immediately.
Can policyholder pay policy loan via e-PAY?
Please refer to Q1, policyholder is not allowed to pay policy loan via e-PAY.
Can policyholder pay on behalf of their family who is not an e-Connect user?
No, e-PAY can be accessed via e-Connect only. Kindly advise the policyholder to register as an e-Connect user in order for them to make payment via e-PAY for their policies.
What is e-Statement?
Insurance policy with annual statement is issued as electronic document effective from 2019 onwards. Policyholders can view and retrieve their statements online through e-Connect portal and will no longer receive the hardcopy of the statement.
What is the type of e-Statements available online in e-Connect?
Click here to login to e-Connect and retreive your statement.
Click here for e-Statement guide.
How do I know my e-Statements are available in e-Connect?
You will receive an email notification to your registered email address when your statement is updated and available in e-Connect.
Can I change my registered email address?
Yes, you can update your email address online through e-Connect > My Account > View Profile or by completing the Person Changes Form (PSF01A).
How many years of my statement are available in e-Connect?
You can access up to the last 5 years statement in e-Connect under My Document.
What is the format of my e-Statement?
All e-Statements are in PDF format (Portable Document File) readable using Adobe Acrobat Reader (version 5 and above).
How soon I can view my statement after I sign up for e-Connect?
You can login and view the statement immediately (if any) as the statements are already available in e-Connect.
Can I still opt for the paper statement?
No, as these statements are readily available in e-Connect. You can login at any time to download and print these statements according to your convenience.
How do I sign up for e-Connect?
To sign up as e-Connect user, login to e-Connect website at econnect-my.greateasternlife.com. Please click here on e-Connect guide.
What is this extension about?
It is part of our continuous effort to enhance customer's medical coverage by extending the coverage of selected Investment-Linked medical rider from age 80 to age 99 years (next birthday). The campaign period is from 01 August 2018 to 31 May 2020 (both dates inclusive).
Would it be a new medical rider(s) in my policy?
Yes, the extension of Medical Rider(s) Coverage is by way of inclusion of the rider(s) listed as below, if applicable:
How do I know my policy fulfilled the conditions?
Customer's policy information is accessible 24 x 7 through our customer online portal (e-Connect).
Upon successful registration, your temporary password will be sent via SMS to your latest registered mobile number in our record.
Note: If your mobile number is invalid, temporary password will be sent via pin mailer to your correspondence address within 2 working days.
How do I apply for this option?
Policy Processing Department
Great Eastern Life Assurance (M) Berhad
Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur
How long does it take to process my application?
Your application will be processed within 2 months from your submission date or policy's Basic Plan anniversary date, whichever is later.
How will I know whether my application has been successfully processed?
If you have provided your email address in the form, you will receive an email notification when your application is processed and the electronic copy of your Endorsement for this extension of medical rider is ready and available in the customer portal, e-Connect.
Please register as an e-Connect user at https://econnect-my.greateasternlife.com to view or download the Endorsement.
Do I need to increase my insurance premium for this extension?
No, you are not required to increase your current insurance premium.
Will this application affects my policy's Total Investment Value?
The insurance charges for this extension of medical coverage rider will be deducted from your policy's Total Investment Value starting from the policy anniversary date when you reach age 80 years next birthday.
In view of the increased insurance charges in the later years, it is advisable to perform single premium top-up or increase regular premium to enhance the sustainability of the policy's Total Investment Value. This is to ensure the Total Investment Value is sufficient to cover all future insurance charges until the end of the covered period.
Can I cancel my medical rider extension?
Yes, you may cancel the medical rider by completing the Request For Contractual Changes (PSF01) form.
Can I submit the request after the campaign period?
After the campaign period, you can still request for an extension of the medical coverage by completing the Application For Inclusion / Conversion / Alteration of Assurance (PSF02) form. However, this request will be subjected to the normal considerations and underwriting.
What are the benefits of e-payment?
Will my personal data be safe and remain confidential?
Your banking information will be used solely for the purpose of e-payment service.
All your personal information is governed by Financial Services Act 2013 (FSA 2013) and Personal Data Protection Act 2010 (PDPA).
Direct Credit
How do I apply to receive funds via e-payment?
You have to complete and submit to Great Eastern the Direct Credit Facility Form. (Click here to download/print the form).
What type of banking account is eligible for e-payment?
Saving or Current accounts with MEPS Inter-Bank GIRO (IBG) service where you are the primary account holder.
This e-payment service is not available for overseas bank accounts and any joint account where you are not the primary account holder.
For the latest participating banks for e-payment, please visit http://www.paynet.my/interbank-GIRO/banks-tpa.html
When will my bank account be credited?
Upon approval of your policy transaction, payment will be credited to your account between 2-3 working days subject to successful bank transfer.
Will I be notified when the fund is credited successfully into my account?
Yes, you will receive email notification upon successful crediting of funds into your bank account, provided you have given your email address to Great Eastern Life for e-payment notification.
What happens if my e-payment transaction is not successful?
If your e-payment transaction is not successful, Great Eastern Life reserves the right to make payment via another e-payment attempt or via cheque. Reasons for unsuccessful credit to your bank account can be due to invalid bank account number, closed or inactive bank account, different identification number, or if you are not the primary bank account holder. Therefore, kindly ensure that your banking information submitted to Great Eastern Life is correct and up-to-date.
Do I need to apply for e-payment every time I made a transaction with Great Eastern Life?
No. You are only required to apply once for this facility. Your banking information will be used for all fund transfer transactions for the same policy(ies) in the future; and shall continue to be used until you inform to revoke your instructions for this e-payment facility or you have provided Great Eastern Life with new banking information.
Direct Debit
What are the e-payment channels available for payment make to Great Eastern Life?
Payment Channel
What & How does it work
Credit Card / Debit Card - Visa & Master
Direct Debit from Bank Account GIRO (limited to participating banks)
Internet Banking (limited to participating banks)
Does Great Eastern Life issue any receipt for the payment through all the above direct debit channels?
No receipts will be issued for payment made via direct debit. The account holder must refer to their own bank / credit card statement for confirmation of successful debiting or payment to the Company.
Should you require further enquiries or clarification, contact our Customer Service Care at 1300-1300 88 or email firstname.lastname@example.com
Within 15 days after receiving the policy contract, you may cancel and return the policy to the Company for refund of premium subject to the policy's Free Look cancellation terms and conditions.
Please note that the 15 days period is based on the date Company received the policy contract or the postal date if by registered post. For example, policy owner has acknowledged receipt of the policy on 15th January, but thereafter decides to cancel the policy. The request to cancel the policy must reach the company latest by 30th January.
Can I pay my premium due on 01/05/2018 in June to enjoy the 0% GST since I have 30 days grace period?
Yes, you can pay your premium in June but it is still subject to GST apportionment*. The revision of GST is subject to the transitional rules under Section 66 of the GST Act 2014 ("GST Act").
Premium Due Date
Payment Date
|Before 1 June
|On/after 1 June
Up to 31st May 2018
GST still applicable and payable.
Subject to GST apportionment
1st June 2018 onwards
If payment is inclusive of GST -> No refund.
|If payment is inclusive of GST ->To refund GST as excess payment under Suspense.
I have an Investment-Linked policy and the premium is due on 15/06/2018. Do I pay the premium without the 6% GST?
Unlike Traditional policy, Investment-Linked policy's premium does not include GST thus the same amount is payable. The GST 6% is only applicable to the monthly policy fee and insurance charges for non-life coverage (i.e. medical & health, personal accident, critical illness without death benefit etc).
Effective 1 June 2018, we have implemented GST 0% so the monthly policy fee and insurance charges due from 1 June 2018 onwards is based on 0% GST.
(Note: The scope of non-life policies is subject to change by Royal Malaysia Customs)
My premium due date is in June 2018 but I have paid my premium in May 2018, will I receive the reimbursement of the GST charges?
No. If you have paid your premium inclusive of GST 6% before 1 June 2018, we will not refund the GST even though your premium due date is in June 2018. This is in accordance with GST transitional rules under Section 66 of the GST Act 2014 ("GST Act").
I have paid my yearly premium due on 01/01/2018. With the revision of GST to 0%, will I get any pro-rated GST refund?
No. For premium due before 1 June 2018, there is no pro-rated GST refund. This is in accordance with GST transitional rules under Section 66 of the GST Act 2014 ("GST Act").
For further details please refer to item 17.11 of FAQ dated 22 May 2018 released by Customs website at http://gst.customs.gov.my/en/rg/SiteAssets/FAQ_BIPDF.pdf
Why I received Premium Notice for premium due on/after 01/06/2018 is still inclusive of 6% GST?
Premium Notice is issued 30 days before the premium due date where we have yet to amend the GST rate to 0%. Therefore, if you have yet to remit your payment, please pay the premium amount without the GST 6% for premium due date on/after 1 June 2018.
Why do I still receive Tax Invoice when GST is 0%?
You will continue to receive Tax Invoice even though GST is 0% because GST is still applicable but just at 0% rate.
My policy was incepted prior to 01/06/2018 but subsequently, I have cancelled policy. Do I get my premium refund inclusive of GST paid earlier?
Yes, GST will be refunded for cancellation of policy.
Who will receive this notification?
All Investment Linked policy owners.
I received SMS / Email / Letter related to Investment Linked Policy Guide. May I know the purpose of this guide?
This guide will provide you with general information on possible factors that may affect your investment linked policy sustainability and steps that you can take to enjoy insurance coverage for the full term of your policy.
Why did Great Eastern send me this SMS/Email/Letter informing about a guide?
This is an industry practice to guide policy owners on the general information on Investment Linked policy.
Are the other insurance companies doing this?
Yes, all the other insurance companies are doing the same.
I have received an email titled "Insufficient Investment Value Notification." How do I view my letter?
You can view or download the notification letter via eConnect using the following steps:
Please explain why I have received this notification?
This letter is to provide policy owner with an early notification on their investment-linked policy's sustainability status based on the policy's current investment value.
For policy with low investment value, we have also included recommended options on how to increase your policy's total investment value to ensure it remains sufficient to pay for your policy's insurance charges and fees until the full covered term/expiry date of the policy.
What I am expected to do after this?
It is important to consider the recommended options and be aware that your policy's insurance coverage could be affected by *early lapsation if you choose not to adopt any of the recommendation and your policy's total investment value may become insufficient to pay for the insurance charges and fees.
(*refer to the estimated lapse period stated in the letter)
How is the estimated lapse period calculated?
It is based on certain assumptions as stated in the letter.
For further details on the FAQ, please login to e-Connect >> My Portfolio >> Report & Updates Fund Information >> Frequently Asked Questions >> Insufficient Investment Value Notification.
Will all the policyholders' with inforce policies with TPD benefit regardless of Commencement Date enjoy this increase of TPD limit?
Yes, the increase of TPD limit is applicable for all inforce policies (excluding Group policies) and for TPD claim event date from 06 October 2017 onwards.
Will there be any increase in my premium/insurance charges due to this increase in the TPD Limit?
There is no change to the current premium/insurance charge.
Will the enhanced RM10 million TPD benefit limit apply to existing policyholders including those who are currently receiving TPD benefit instalment?
No.This enhanced TPD benefit limit is only applicable to all existing policyholders retrospectively who have not qualified for TPD claim.
What are the options available if I wish to discontinue with the premium payments but at the same time do not lose the insurance cover?
If you opt to discontinue with the future premiums, you may consider the following few options:
What is Cash Value?
Cash value simply means a sum of cash refund payable upon surrendering a life policy.
What is APL?
APL stands for "Automatic Premium Loan". APL is typically applicable by default after your policy acquired a surrender value. It is specified in the policy contract that any amount of unpaid premium will automatically be paid through a premium loan at the end of the grace period. You would have to pay back the loan with interest. The current Automatic Premium Loan Interest Rate is 7% per annum and this interest rate is subject to change by the Company from time to time.
Can I borrow money against my life insurance policy?
If you own a whole life or an endowment insurance policy, you can take out a policy loan against the cash value that had built up in the policy. Generally, the policy will acquire cash value after being in force for three full policy years. Compound interest is chargeable on the policy loan at a rate at which the Company shall determine from time to time. Any Policy Loan outstanding will be deducted before any claims is payable. The current Policy Loan Interest Rate is 7% per annum and this interest rate is subject to change by the Company from time to time.
As for an Great Universal Life policy, you can take out a policy loan against the policy account value net of surrender charge (if any). The Policy Loan Interest Rate is the prevailing crediting rate plus 2%. This interest rate is subject to change by the Company from time to time.
When can I apply for a policy loan?
A loan is available when the policy has acquired a cash value. A policy loan based on a percentage of the gross cash value subject to deduction of outstanding loan or APL, if any can be granted. Policy loans are not available for investment-linked, HealthCare and term policies.
You can apply for loan simply by:
Upon receipt of your request, we will inform you of the loan available and the requirements. The requirements are:
Current Rate (% per annum)
Policy Loan interest
Policy Loan interest (Great Universal Life, Premier Heritage, Premier Legacy, Premier Legacy 2, Premier Legacy 3, Glorious Legacy)
Prevailing crediting rate plus 2%
Automatic Premium Loan interest
Late Premium Interest (Great Universal Life)
Overdue Premium Interest (Great Flexi Wealth, MaxYield, MaxEmpower,Great Flexi Plus)
Overdue Premium Interest (Max Multiplier, Max Step-Up)
Note: The rates above are subject to change by the Company from time to time.
Overdue/Late Premium Interest
Overdue/Late Premium Interest as specified above is applicable and payable by the policyowner when payment of premium is made after the 30 days Grace Period.
Crediting Rate
Crediting Rate will determine the credited return which will be credited every month into the policyowner's account. The actual crediting rate is not guaranteed and will fluctuate based on the investment performance. A higher credited return may be credited if the investments have performed well and conversely, a lower or negative credited return may be credited if the investments have performed poorly. A negative crediting rate will result in a reduction of Account Value.
Crediting Spread
Crediting spread for the products below is deducted on a monthly basis from the investment return prior to the crediting of the credited return into policyowner's account.
Great Universal Life
1.3% per annum
Great Flexi Wealth
0.9% per annum
Making a nomination
The purpose of having life insurance is to ensure that your loved ones are financially protected should anything happen to you. It is then important that your loved ones can access the funds quickly by ensuring all your policies are nominated.
In case of non-Muslim policy owner, a trust will be created in favour of the nominee under the following circumstances:
However, in the case of a Muslim policy owner, a trust will be not created in the above circumstances. The nominee of a Muslim policy owner takes the policy moneys only as an executor and must distribute the moneys in accordance with Islamic laws.
What happens when there is no nomination?
Where no nomination has been made, the insurance company shall pay the policy moneys to the applicant who produces the Grant of Probate or Letters of Administration, which may take several years.
*Grant of Probate- a formal document issued by the court authorising the executor named by a deceased person in his will to administer his estate in accordance to the deceased's will.
*Letters of Administration-a formal document issued by the court to a person to administer the estate of a deceased who did not make a will.
How do I make a nomination?
If you are 16 years old and above, you can nominate an individual(s) to receive the policy moneys in the event of your demise. Nomination can usually be done at the time of application of the life policy or at any other time, when necessary. The nomination form must be signed by a witness who is 18 years old and above, of sound mental health and who is also not your nominee.
You can nominate or make changes on your current nominee by filling up Appointment/ Changes of Nominees Form. The latest nomination will supersede all previous nominations.
What is Portfolio Withdrawal Condition?
Portfolio Withdrawal Condition is a clause that gives the right to an insurance company to stop offering the medical portfolio by giving advance written notification to policyholders, if it no longer underwrites this type of product. Any withdrawal of the medical portfolio will need to go through a due process of obtaining Bank Negara Malaysia's (BNM) approval to ensure that the policyholders' interest is protected. If Portfolio Withdrawal Condition is exercised, policyholders will be notified by company at least 30 days in advance as stipulated in the contract, thereafter company will not renew the medical plan. All benefits under this medical plan will cease to be payable from anniversary date immediately following the expiry of the 30 days advance notice.
What does the removal of the Portfolio Withdrawal Condition mean to policyholders?
With the removal of this clause, the medical policy shall continue to be renewable on each policy anniversary subject to the terms and conditions of the policy. Apart from that, all other existing benefits enjoyed by the policyholders remain unchanged.
The removal of Portfolio Withdrawal Condition is applicable for which products?
The removal is applicable for all current selling IL medical riders (on the shelf products) as listed below:
No Product Name Plan Code 1 SmartMedic U65 – U69 2 SmartMedic Enhancer U110 – U112 3 Smart Premier Health U115 – U118 4 SmartMedic Xtra U119 – U122 5 Smart Extender U130 – U139 6 Smart Extender Max U123 – U126 7 IL Hospitalisation Benefits Rider U75
Product Name
Plan Code
SmartMedic Enhancer
Smart Premier Health
SmartMedic Xtra
Smart Extender
Smart Extender Max
IL Hospitalisation Benefits Rider
What is the effective date for the removal of the Portfolio Withdrawal Condition?
The removal is with immediate effect for all the products listed above.
What does the removal of the Overall Lifetime Limit mean to policyholders?
With the removal of the Overall Lifetime Limit, the benefits payable in respect of eligible expenses incurred for medically necessary services and/or treatments provided to the lifenassured from the risk effective date and during the lifetime of the life assured will not be subject to any Overall Lifetime Limit. In other words, there is NO LIMIT to the Overall Lifetime Limit. However, the Overall Annual Limit of the medical plan is still applicable.
The removal of Overall Lifetime Limit is applicable for which product?
The removal of Overall Lifetime Limit is applicable to the products as listed below:
Product Name
Plan Code
SmartMedic Xtra (SMX)
SmartMedic Xtra 99 (SMX-99)
What is the effective date for the removal of the Overall Lifetime Limit?
The removal of Overall Lifetime Limit is with immediate effect from 03 January 2017 for all products listed in Q2 above and is applicable to all inforce and new policies.
If I have made a claim with my SmartMedic Xtra/SmartMedic Xtra 99 medical plan prior to 03 January 2017, will the removal of Overall Lifetime Limit apply to my plan?
Yes, the removal of Overall Lifetime Limit will still apply to your plan as long as your plan is still inforce. This benefit is applicable to all SmartMedic Xtra and SmartMedic Xtra 99 plans retrospectively.
Is there any increase of insurance charges for SmartMedic Xtra and SmartMedic Extra 99 due to the removal of Overall Lifetime Limit?
No. The insurance charges for SmartMedic Xtra and SmartMedic Xtra 99 remain unchanged.
I am an existing policyholder of SmartMedic Xtra/SmartMedic Xtra 99. Where can I obtain a confirmation on the removal of the Overall Lifetime Limit?
You may refer to the announcement in our Corporate Website at https://www.greateasternlife.com/my/en/personal-insurance/get-help/customerservice.html or contact your agent.
You may choose to surrender or terminate your insurance policy at any time. If your policy has acquired cash or investment value at the time of surrender or termination, you will receive the surrender value payment less indebtedness and/or other surrender charges (if applicable). Please do consult your insurance agent before you surrender or terminate your policy to ensure you and your family are sufficiently protected against unexpected financial loss or disability.
How to surrender or terminate your policy:
Step 1
Contact your agent or Customer Service (firstname.lastname@example.com) for advice
Step 2
Complete all required form(s) and prepare supporting document (if applicable)
Step 3
Ensure your signature is executed in the same manner as per the Proposal Form or the latest recorded signature.
Step 4
Submit the surrender/termination document to your agent or the nearest Great Eastern office.
Step 5
For policy with cash or investment value, you will receive notification when the surrender payment is credited to your nominated bank account.
Note: Upon disbursement of payment, the Policy will be terminated so all benefits and rights shall cease.
Why did Great Eastern Life sent my money to the Registrar of Unclaimed Money?
If payment that is issued by Great Eastern Life is NOT cash-out or claimed by the policyholder or rightful payee within the period of ONE (1) year from the payment date, the payment will be categorized as unclaimed money.
However, Great Eastern Life will normally notify the policyholder or payee before the money is remitted to the Registrar of Unclaimed Money and after the remittance as well.
How do I claim the money from the Registrar of Unclaimed Money?
Please write-in to us by providing the following information so we can check and respond* to you on your query.
*Note: Any communication from us will be send to the last known address as stated in our record. If there is any change of address, please inform us by completing the 'Request For Person Changes' form to update the address. Please click here to download the form
What are the documents I need to submit to the Registrar of Unclaimed Money after receiving confirmation letter from Great Eastern Life?
You need to submit the following documents to the Registrar of Unclaimed Money:
If the policyholder has passed away and as the beneficiary of the Estate, how do I claim the money from the Registrar of Unclaimed Money?
You need to submit the following requirements to the Registrar of Unclaimed Money:
If my claim amount is very low, do I still need to provide the Certified True Copy Letter of Administration or Grant of Probate?
If the claim amount is RM 2,000.00 or less and claimant (executor or administrator) is unable to produce the Certified True Copy of Letter of Administration or Grant of Probate, please submit the following requirements to the Registrar of Unclaimed Money:
After submitting the documents to the Registrar of Unclaimed Money, who should I check with on the status of the application?
You may contact Registrar of Unclaimed Money directly at:
Pendaftar Wang Tak Dituntut
Jabatan Akauntan Negara Malaysia
Peti Surat 110
Tingkat 42 Menara Maybank
100 Jalan Tun Perak
55050 Kuala Lumpur
Tel: 03-2056 8000
Please note that the information on the submission requirement to the Registrar of Unclaimed Money is not conclusive as the Unclaimed Money authority may change their rules from time to time. Therefore, it is advisable to check with the Registrar of Unclaimed Money before any submission. For further information on unclaimed money, please refer to Jabatan Akauntan Negara website at http://www.anm.gov.my/index.php/en/khidmat/wang-tak-dituntut
What are the available options for me to update for change of personal details?
For change of address, contact number and email address, you may update the change directly online via eConnect at https://econnect-my.greateasternlife.com/econnect-new/#/login through "My Profile" page.
For other personal details update, please complete the Request for Person Changes Form and submit the form together with a certified true copy or original sighted copy of the relevant supporting documents through mail/email/fax to:
Mailing Address
Great Eastern Life Assurance (M) Berhad
Menara Great Eastern
No 303 Jalan Ampang
50450 Kuala Lumpur
Attn: Customer Service Department
Email Address
Fax: +603 4259 8198
Alternatively, you may approach your agent for assistance or visit our nearest branch office. Please ensure you bring along the original identification document.
What are the required supporting documents to update my personal details?
For update of Personal Details such as correction of name, identification number, Date of Birth, gender or change of citizenship, please submit a copy of the Birth Certificate/Identity Card/Passport (personal detail page)/Citizenship Certificate, duly certified true copy or original sighted by a person of prominent standing such as a doctor, lawyer, magistrate, Agency Manager, agent or authorised officers of the company as supporting evidence. For certification by an agent, customer's signature on the document is required.
It is advisable to indicate 'For GELM use only' on the copy of identification document before submitting the document to us for processing.
Is certified true copy (CTC) of Birth Certificate required for updating of Identity Card Number (NRIC)?
No, you only need to submit the certified true copy of your new NRIC.
Is it possible to change the name of the Assured?
If the Assured's name is different from the name that was originally stated in the Proposal Form, please submit a certified true copy or original sighted official document indicating the change of name from the relevant competent authority and the new identification document as supporting evidence. However, change of name to a different person is not allowed.
Why policyholder needs to update his/her signature?
This is to ensure we have policyholder's latest specimen of signature for verification in the event of any future service request to amend/update policy contractual benefits.
What is the procedure for change of signature?
You may complete the Request for Person Changes Form to change/update your new signature.
If you have forgotten or are unable to execute your old signature on the form, please visit our nearest branch office for assistance.
How long does it take to process the change?
It will take approximately 5 working days from the receipt date of the documents to process the change provided all relevant documents have been duly submitted.
(for more specific question relating to individual type of claims please scroll down)
What is a suicide clause?
This clause stipulates that no claim is payable in the event of death due to suicide, whether sane or insane, within one year from inception of policy or from date of any reinstatement.
What is contestable period?
Within the first policy year, the insurer has the right to void the policy due to nondisclosure, without the need to prove fraud.
Who can certify claims documents?
Group Sales Manager (GSM) or Unit Sales Manager (USM) may certify all claims documents with the exception of claims incurred outside of Malaysia where the confirmation of the claim event and all other related and relevant documents issued by Foreign Authority must be certified by the Malaysian Embassy or a Public Notary.
If there are foreign documents and claimant is unable to return to Malaysian Embassy of the foreign country to get the documents certified, where can they get the documents to be certified?
The respective country's embassy in Malaysia.
When do you call for the original policy?
With effect from 1 June 2013, policyholders may proceed with claims without submitting the original policy contract. This guideline is revised with the intent to simplify the current process to make hassle free for claims. Nevertheless, the company reserves the right to call for the original policy or supporting documents should the need arises during the processing stage.
How long does it take for the Company to process a claim?
The estimated timeframe to process a claim is within 10 – 14 working days upon receiving the complete claim documents.
What are the requirements for commonly claimed Death Claims?
Death Claim Form
Certified True Copy of Death Certificate
Certified True Copy of Claimant Identification Card
Certified True Copy of Deceased's Identification Card
Certified True Copy of Embarkment Certificate
Certified True Copy of Marriage Certificate if Claimant is spouse
Certified True Copy of Birth Certificate of Claimant if Claimant is a child
Certified True Copy of Birth Certificate of Deceased if Claimant is parent
Original copy of Letter of Authorisation/ Consent (3 copies)
Confirmation letter from National Registration Department (for overseas death claims)
Direct Credit Form
Additional requirement on accidental death:
Accidental Death Benefit (ADB) Claim Form
Certified True Copy Police Report
Certified True Copy Detailed Post Mortem Report
Certified True Copy of Toxicology Report, if any
Newspaper Cutting, if any
Death due to nature causes:
Doctor Statement (for policy less than 5 years from date of commencement or from date of reinstatement, whichever is the later)
Important Note:
i) If cause of death is unknown, the Company will advise further on receipt of the Death Certificate
ii) For foreign Death Claims, Certified True Copy full passport book/ Citizenship Certificate are required
iii) For policy without nomination, Grant of Probate/ Letters of Administration is required
If the policy has no nomination, how does Great Eastern pay the claim?
Payment of death claim proceeds for policy where no nomination made is subject to production of Letter of Administration or Grant of Probate.
If there are 3 nominees, how many Letters of Authorization to collect claim(s) payment cheque(s) should be produced?
3 Letters of Authorisation should be produced and to be completed by 3 designated nominees.
If the nominee is in overseas/out of Malaysia, who should complete the Death Claim form?
Nominee still has to complete the Death Claim Form.
Overseas death claim:
what is the difference in documents if body is brought back to Malaysia or buried in overseas? If the body/ashes are brought back to Malaysia, Certified True Copy of Embarkment Certificate issued by the transportation means is required. If the body is buried in overseas, Certified True Copy of the Life Assured confirmation letter of death in overseas from National Registration Department is required to be submitted.
Copy of passport is also required.
What are the requirements for commonly claimed Critical Illnesses?
Living Assurance Claim Form – Personal Statement
Confidential Medical Certificate (Cancer)
Confidential Medical Certificate (Brain, Nerve & Muscle related condition) – to be completed by Consultant Neurologist
Confidential Medical Certificate (Heart related condition)
Confidential Medical Certificate (Other illnesses)
Original copy of Letter of Authorisation/ Consent (3 copies)
Certified True Copy of Life Assured's Identification Card
Certified True Copy of Claimant's Identification Card (if different from Life Assured)
Certified True Copy of all relevant diagnostic test results or reports for individual
Covered Event (please refer to the list of Covered Events in the Requirement Checklist)
Direct Credit Form
Is there any waiting period?
Yes, commonly waiting period is 30 days to 60 days from the date of risk commencement or date of reinstatement, whichever is later. As different covered event applies different waiting period, please refer to the policy contract for more details.
Is BuyBack Option available for all policies?
No, not all policy provides BuyBack option. Please refer to the terms and conditions of your policy contract.
Living Assurance claim is admitted and it is an Investment Linked policy. If there is any excess premium paid, will it be refunded?
There is no refund for Investment Linked policies. Any excess premium will be added into the Assured's Total Investment Value fund.
What are the requirements for commonly claimed Total Permanent Disability (TPD)?
Total Permanent Disability Claim Form
Total Permanent Disability Medical Certificate Form
Original copy of Letter of Authorisation/ Consent (3 copies)
Certified True Copy of Employment Termination Letter, if applicable
Certified True Copy of Life Assured's Identification Card
Certified True Copy of Claimant's Identification Card (if different from Life Assured)
Certified True Copy of Clinic/ Hospital Consultation Card
Certified True Copy of EPF Withdrawal Letter, if applicable
Certified True Copy of SOCSO Offer Letter/ SOCSO "Keputusan Jemaah Doktor Mengenai Keilatan", if applicable
Certified True Copy of Police Report (accidental cause)
Newspaper cutting (accidental cause), if applicable
Direct Credit Form
If my policy matures on the same date of my 4th instalment, do I have to wait till the 10th year to get full TPD payment?
No, you will get your 4th - 10th instalments on the maturity of the policy.
If it is a third party policy, to whom should the payment be made?
If the Life Assured becomes total permanent disabled, the Assured is the legal policy owner and has the right to receive the payment.
What are the requirements for commonly claimed Accident Rider Claims?
Accident Claim Form – Claimant's Statement
Accident Claim Form – Attending Physician Statement
Original copy of Letter of Authorisation/Consent (3 copies)
Certified True Copy of Life Assured's Identification Card
Certified True Copy Claimant's Identification Card (if different from Life Assured)
Original/ Certified True Copy of Medical Certificates
Certified True Copy of Police Report, if applicable
Certified True Copy of X-ray, MRI, CT scan or other radiology reports
Certified True Copy of Hospital Bill(s) and Payment Receipt(s)
Original Bills and Original Payment Receipts (if applicable to reimbursement claims)
Direct Credit Form
Which Attending Physician Statement (APS) to be submitted if the claimant intends to claim for accident claim from both Claim Department and Healthcare Services Department (HSD)?
It is advisable for the claimant to submit the Accident Claim Form - Attending Physician Statement as the information provided is more precise and detailed for Accidental Rider claim assessment.
Is police report necessary for accident claims?
Yes, depending on the nature of the accident i.e. Motor Vehicle Accident (MVA).
For assault/robbery case, police report is mandatory.
If Life Assured's employer has paid the hospital bill/medical expenses incurred due to the accident, can he still claim with Great Eastern?
If employer pays only part of the bill, balance of the bill can be submitted to Great Eastern for claims assessment. Employer's confirmation on payment made is required. Original bills are required to be submitted to Great Eastern for balance payment.
If Life Assured is claiming medical expenses with other insurance company, can he still claim with Great Eastern?
If other insurance company pays only part of the bill, balance of the bill can be submitted to Great Eastern for claims assessment. Original proof of settlement and original bills/receipts are required to be submitted to Great Eastern for balance payment.
If the original bill and receipt are lost, can Life Assured claim for medical expenses?
No, medical expenses incurred are on reimbursement basis thus original bill and receipts are required before payment is made.
If Life Assured has claimed medical expenses with Healthcare Services Department (HSD), can he still claim under Life Claim?
If HSD pays only part of the bill, balance of the bill can be submitted to Life Claims for assessment.
Who is the Policy Owner?
The Policy Owner is the person who has the legal title to a policy.
Can new riders/benefits be attached to my policy after it is issued?
Inclusion of riders will depend on the plan type of the basic policy, the policy duration and the availability of riders at the time of application. Supplementary benefits [e.g. Accident and Hospital benefits] can be included any time after the policy is issued. Applications for inclusion of riders/supplementary benefits are subject to underwriting and a policy fee of RM30.00 will be levied for inclusion of riders. Our underwriters may call for medical report if medical evidence is required. Medical costs, if incurred, will be borne by the policyholder.
Q: What are the services provided by HSD for customers with Hospitalization & Surgical policy?
A: HSD provides round-the-clock (24 hours and 7 days/week) Guarantee Letter facility for eligible customers requiring hospitalization and or/surgery, processes reimbursement of medical claims and handles enquiries related to medical policy.
Q: How do I contact HSD?
A: You can call the Healthcare Hotline number at 1-300-1300-18 or sent an email through e-Partner (ICM) or to firstname.lastname@example.com for assistance.
Q: How does customer use the Health Care Card for hospital admission?
A: Upon admission to the Panel Hospital, customer can present their Health Care Card and NRIC to the hospital's admission counter for Guarantee Letter arrangement.
Q: How long before customer's admission that they must inform HSD?
A: To provide sufficient time for HSD to process the Guarantee Letter for admission, it is recommended for customer to request their attending doctor to complete Part II, which is the Admission Section of the Guarantee Letter Request Form and send the completed form to HSD as soon as possible.
Q: What is the process for Guarantee Letter arrangement?
A: Hospital will assist to process the necessary documentation for Guarantee Letter request and send it to HSD for validation. Once it is confirmed that customer's hospitalization fulfills the policy's terms and conditions, Initial Guarantee Letter (IGL) will be issued and sent to the hospital for their handling.
If customer's Guarantee Letter request is not approved, the Decline Guarantee Letter (DGL) will be sent to the hospital. Hospital will advise customer to pay for their medical expenses and submit the claim to GELM for reimbursement consideration.
An SMS will be sent to the servicing agent (if mobile number is registered with CAD) and customer (if customer provides their mobile number in the GL Form) to notify them of the Guarantee Letter status.
Q: How long is the Guarantee Letter valid for after it has been approved?
A: The Guarantee Letter is valid for 30 days from the date of issuance.
Q: In what circumstances/condition that Guarantee Letter will be declined?
A: The decision to decline Guarantee Letter may due to the following reasons below but it is not an exhaustive list:
Note: You may contact the Healthcare Hotline for more specific information on the decline reason.
Q: Will the hospital accept the Health Care Card as a guarantee for admission deposit?
A: No, the Health Care Card is meant for the Panel Hospital to identify customer with GELM medical policy and cannot be used as a guarantee for hospital deposit.
Q: If Guarantee Letter has been approved, does customer still need to pay any admission deposit?
A: Yes, most hospitals will request for deposit payment as part of the admission requirement. However, the deposit payment will be refunded by the hospital after deducting the non-covered charges such as coinsurance/deductible, telecommunication fee, extra meals, miscellaneous expenses, service tax, braces, special aids etc (if any).
Q: Can the customer still enjoy the room and board discount rate if Guarantee Letter was declined?
A: No, hospital discount is not a policy entitlement so customer has to pay the published rate as advised by the hospital.
Q: How long does customer need to wait at the hospital after the doctor has certified that they are fit for discharge?
A: Normally, the attending doctor has to complete the medical report (Discharged Section) before hospital billing staff can prepare the hospitalisation bills. The whole process takes about a few hours subject to the hospital's available resources.
Q: How long does HSD take to process the Discharge/Final Guarantee Letter (FGL)?
A: Upon receiving the complete document from the hospital, HSD will process the FGL within 75 minutes for straightforward cases. However, if the documentation or information received is incomplete, it may take longer or until the necessary documentation has been received to process the FGL.
Q: Where can customer get the list of Panel Hospitals or Specialist?
A: The list of panel hospitals and specialist is available in e-Partner under HSD or GELM website at www.greateasternlife.com.my. Please note that list of panel hospitals and specialist is subject to change and the latest listing can be viewed at both e-Partner and the website.
Q: Why not all specialists in the Panel Hospitals are GELM's panel specialist?
A: There are some specialists (doctors) within the appointed panel hospitals who are not included in the list of panel specialists for various reasons. Therefore, Guarantee Letter facility is not available for any admission or treatment by non-panel specialist.
Q: What if customer was admitted to a non-panel hospital or specialist, can they still submit their claim?
A:Yes, customers who choose to be treated at a non-panel hospital or specialist can settle their medical expenses and submit their claim for reimbursement consideration according to the policy's terms and conditions.
Q: Can customer use their Health Care Card for hospital admission overseas?
A:No. The Health Care Card is only applicable to GELM Panel Hospitals in Malaysia. Customer has to pay the medical expenses and submit their claim for reimbursement consideration according to policy's terms and conditions after they return from overseas.
Q: What are the documents required for reimbursement of claims?
A:The documents required are as follow:
Note: Please refer to the requirement listed in the Health Claims Checklist for other type of claims
Q: Where can I get the required forms?
A:You can obtain the forms from company's website, e-Partner or Agent's Counter at Menara Great Eastern or branches.
Q: Where can I submit the claims document?
A: You can submit the documents through the Health Claims Drop-box at Level 1 of Menara Great Eastern or Agent's Counter at branches.
Q: Can I submit photocopy of hospital bill or receipt in case my customer is unable to provide or lost these documents?
A: Photocopy of hospital bill and receipt is not acceptable as it is part of the policy's requirement to submit the original hospital bill and receipt for reimbursement of medical claim.
Q: If my customer has submitted their claim to another insurance company, can they also claim from GELM?
A: Once the medical claim has been reimbursed by another insurance company, GELM will not compensate the claim again unless the medical expenses are not fully covered by the other insurance company. Then customer can submit the uncovered amount to GELM for consideration according to their policy's Schedule of Benefits, terms and conditions.
Q: For reimbursement of pre and/or post-hospitalization claim where Guarantee Letter has been issued to cover customer's hospitalization, what are the documents I need to submit?
A: The documents required are:
Q: How does customer or agent know if the document submitted is incomplete?
A: If the claims document is incomplete, HSD will notify customer through pending requirement letter which is sent by mail. A copy of this letter will be published in the e-Partner for servicing agent and Group Sales Manager's reference.
Q: What if my customer is not happy with their claim settlement/decision?
A: Normally, claim assessment is based on whether the claim fulfills the policy's contractual benefits and if it is admissible, then the settlement is based on the Schedule of Benefits including the relevant terms of the benefits. If there is any dispute, the customer may submit a letter of appeal and supporting document(if any) to the Healthcare Services Department for reconsideration.
Q: How long does it take for the Company to process a claim?
A: The estimated timeframe to process a claim is within 10 - 14 working days upon receiving the complete claim documents.
Q: Am I entitled to this benefit?
A: You are entitled to this benefit if your policy document is attached with Endorsement No. 259 (CAP)
Q: What is the contact number for car assistance?
A: You may contact the 24 hours service hotline at 03-76604799.
Q: What is covered in the Car Assistance Program?
A: The services offered in this program are:
Note: Please refer to the Endorsement No. 259 (CAP) for more details on this program.
Q: How can I register or change customer's car registration number?
A: You may submit a written request through Health Servicing Drop Box at Level 1 of Menara Great Eastern or Agent's Counter at the nearest branches.
Q: Can customer use this service if they did not register their car registration number?
A: No, customer has to register their car registration number with GELM before they are eligible for this service.
Q: Can customer submit their car towing fee for reimbursement?
A: No, customer must contact the service hotline to arrange for towing services.
Q: What is the contact number for Emergency Medical Assistance?
A: You may contact the 24 hours Service Centre Hotline at 03-4259 8853 (same number for Executive Second Opinion).
Q: What is covered in the Emergency Medical Assistance?
A: The key benefits are listed below. However, for more details on this benefit, you may refer to policy Endorsement No. 249 (SAssist) or contact Supreme Assist.
For customer who travels outside Malaysia for a period not exceeding 120 consecutive days on any one trip, the benefits are:
For customer who travels within Malaysia for a period not exceeding 120 consecutive days on any one trip, the benefits are:
Q: What is Executive Second Opinion (ESO)?
A: Executive Second Opinion is an arrangement where customer can obtained a second opinion on their diagnosis and treatment from an approved medical institution in the United States in the form of a documented report. Customer then has the option to request for a telephone consultation not exceeding one hour from the specialist. The Second Opinion service does not include treatment and only applies to the diagnosis of those medical conditions and eligibility is as defined in the policy document under Endorsement no. 278.
Q: How many times can the customer use the Executive Second Opinion service?
A: One time per covered condition per policy year and limited to three times per lifetime.


text:
About Houston
The center of Aldine Independent School District is located approximately 15 miles north of downtown Houston, the largest city in the South and Southwest and the fourth largest city in the United States. More than 6.9 million people of more than 100 different nationalities call the Houston area home. As a result, Houston and its neighboring Gulf Coast communities offer a multitude of opportunities for its residents.
A number of links are provided below to help you explore Houston and discover what this wonderful city has to offer.
These external web sites are not maintained by Aldine Independent School District, they are provided for your benefit.

subset: commoncrawl


text:
Co.ind will be at Sigep with the brand "Attibassi", you can find us at Hall D1, Booth 195.Sigep will take place from 20th to 24th of January in Rimini, Italy; it is the international exhibition dedicated to Artisan Gelato, Confectionery, Pastry and Bakery production and the Coffee sector. You can find more information on the Sigep website.
Home » News » Exhibitions » Co.ind at the SIGEP Exhibition (Rimini, Italy, 20-24 of Janaury)


text:
Replacing Weather Seal
When you have a garage, you can ensure that its contents are safe from the elements by weather stripping it. Call Absolute today so that we can apply the most appropriate weather seals and garage door thresholds.
Schedule Maintenance
Benefits of Weather-Stripping
Oftentimes, your garage door weather seal goes unnoticed when analyzing your door system as a whole. However, the seal found on the four sides of your garage door play a very important role in protecting your door and ensuring it provides maximum insulation. Some of the benefits of replacing your existing weather seal include:
• Reduce energy bills by keeping your garage cool in the summertime and keeping the heat in during the winter.
• Protect the contents of your garage from pests, dust, dirt, or rain.
• Blocks bugs and rodents.
Weather stripping wears over time. You can determine if you need to replace your garage door's weather seal by properly inspecting it yourself. If your bottom seal is cracked, has a gap, or if you can feel a draft coming through the door, it's probably time to replace your weather seal.


text:
Located In The Town Of Assiniboia In A Great Lo...
$224,999 Active
- 5 Beds
- 3 Baths
- 0.26 Acres
- 1,420 ft²
508 4th Avenue E, Assiniboia, Saskatchewan
Located In The Town Of Assiniboia In A Great Location, Close To The Hospital And Daycare. If You Are Looking For A Great Home With 4 Bedrooms On The Main Floor And A Developed Basement, This Is The House For You! It Features Lots Of Upgrades. Just Recent...


text:
Imagine everything great about Dubai happening on one particular day: dhow races, parades and all the traditional performances are waiting for you to come and see. In addition, the evening closes with most spectacular fireworks!
December 02
- Apr
- May
- Jun
- Jul
- Aug
- Sep
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Don't miss it! Add to your wishlist now and we will remind you in advance
People interested


text:
The reasons why you should hire a Personal Injury Lawyer
Personal injury cases are rampant and can happen anytime of the year. Personal injury is alluded to as the incidents that afflicted persons receive as a result of another person's error. In cases where a personal injury circumstance takes place, you have the choice to file a lay claim to fight for your proper rights and appeal for probable settlement. However, there are several processes and forms that needs to be done in order hence the entire legal process of filing a claim can be quite tedious. Because of this, it is extremely needed to search for legal assistance from a personal injury attorney simply because they are qualified in this division, they are very well known with the legalities, and can assist draw out the appropriate compensation. Most essentially, the lawyer will stand by you during the entire legal procedure to make certain that you are being dealt with justly. Personal injury lawyers are not hard to find in a certain locality. Actually, you can look up for them on the web based on your area by putting in key terms on the online search engine such as carrollton injury attorney or texas personal injury attorney.
A victim with a personal injury case can suffer not only physically but also emotionally and mentally. Even soon after obtaining the suitable treatment method, one may not really feel secure or be back to his regular self once again. Because of this, the lawyer will collect details that are important to the case to enable him or her to present a strong case before the court. This phase is to make sure that the sufferer will get the suitable and sensible settlement without having being bothered even more and also for the victim to be able to direct a regular life following the chaos of events. Furthermore, these kind of attorneys are tasked to focus on your speedy recovery after sustaining the injuries. They will offer additional moral and personal support throughout the entire process.
Additionally, the personal injury attorney will notify and brief you of your legitimate privileges as an individual. Legal professionals have an understanding of the correct discussion and lawsuit skills so you will not be scammed or trampled on in the course of the process. They will also try to gather information from potential witnesses, collect medical reports, and weigh possible legal options to expedite the process of securing the justice you deserve.
Therefore, it is recommended to seek the services of a lawyer that is quite adept at winning the case and is also reliable and trustworthy. Choose someone whom you can trust and you are confident that he or she will help you.
A 10-Point Plan for Lawsuits (Without Being Overwhelmed)


text:
{giveaway is at the bottom following today's post on Hope}
So it goes with any who forget God. The hope of the godless soon withers and dies. Job 8:13
The news came swiftly, and after the fact. Suicide. He was only twenty-four, maybe twenty-five. How could one so young lose every last shred of hope in his life, so that leaving it seems like the only remaining option.
It is what keeps us going in this life. Hope for happiness. Hope for a better tomorrow. Hope for a prosperous future. But our youth today seem to have lost sight of it. Why? I believe that it is as Job says: the hope of the godless withers and dies…and so with it the hope of life and a future.
I have had these conversations with my oldest son. He's going through a season right now where he is questioning everything. God. Truth. Life. Purpose. Religion seems to him to be a manmade entity. He can't conceive the purpose of it other than to pass judgement and gather money. Most of the young feel this way, I have discovered, even the churched. They have been raised in the rituals and patterns of a religion that hasn't shown them how to make it their own. Or maybe it has, and until they venture out and discover the darkness that really resides out there…they just don't get it. Maybe both, but it seems to be running rampant these days. We can see it by the numbers of young deaths by their own hands…lost hope.
Our verse here today gives us a pretty vivid picture as to why. So it goes with any who forget God.
Have our youth forgotten God? Forgotten the why's of life, the purpose to which they were born? The hope that is there for them to grasp in their hands, to take hold of and make it their own?
Yes. I fear that it is true, most heartily.
But there is hope…
It can be found if it is searched for, and then believed. God promises that if we search for Him with all of our hearts, we will find him. He desires for us to find Him…to seek Him. I believe he uses the intricacies of our personalities to reveal himself. He knows us best, and what it will take to reach us. But he won't force Himself on us. We have to desire it. We have to look for the hope that is God.
He is the one that can calm our fears
He is the one who can bring us peace
He is the one who will give purpose to our lives
Won't you look for Him? Look for the hope that you may be missing today?
*On July 29th, my first adult coloring book, "31 days of coloring hope" will be available on Amazon. Woot! Que the streamers! This is an adult coloring book, suitable for crayons, colored pencils and light wash watercolor pencils. Each picture features a word of HOPE for you to color. On the other side of the picture are words of encouragement and a corresponding scripture for going deeper. Meditate on the words, color in the images, and share the pages with someone who needs a word of hope!
For the next week I will be offering a pre-order opportunity for our readers here and on my author website, www.lisaevola.com. (July 8th – July 15th) As well as a coloring book giveaway for today! Leave a comment below anytime during this presale week to be entered into the giveaway. The winner will be announced next Friday, July 15th.
(the payment page will show ATC Embroidery as the seller…that is me
And here are the presale opportunities:
- The first 31 orders will receive one of the pages from the book, printed on heavy cardstock and colored in personally by me with my favorite watercolor pencils, Derwent Inktense. These are frame-able pieces of watercolor art created from the original drawings for the book. There are only 31 colored pieces, so hurry to take advantage of this giveaway.
- Purchase 5 books and you will receive an 8×10 limited edition coloring page that was created by me specifically for this giveaway. These are signed by the artist (me and printed on heavy cardstock. The coloring book makes a great gift for those you love, or someone who needs a word of hope. This giveaway is limited to 50 pieces for this edition.
- Purchase 15 books and you will receive the 8×10 limited edition coloring page and also a 6 pack of my favorite watercolor pencils – Derwent Inktense. These have an amazing quality to them, that I have yet to find an equal! They go on smooth and creamy, and when a brushstroke of water is added, it turns to a vibrant inky wash that is just beautiful. I haven't used anything else since discovering these!
- Purchase 25 books and you will receive the 8×10 limited edition coloring page and also a 12 piece tin of my favorite watercolor pencils – Derwent Inktense (see description above). You could do a month of coloring with your book club or bible study group.
- Purchase 50 books and you will receive the 8×10 limited edition coloring page and also a 24 piece tin of my favorite watercolor pencils – Derwent Inktense (see description above) 50 books would be a great addition to your women's group, or a nice giveaway for your church volunteers.
(the payment page will show ATC Embroidery as the seller...that is me :) {here are a few of the other coloring pages - 31 word pictures in all}
Finding hope is so vital to our daily lives. Even when our circumstances don't encourage this, God is there to impart hope to those who seek Him and recognize His presence.
Encourage others
Encourage yourself
Bring HOPE to a dying world.
In His Love,


text:
Dynamic Page
A dynamic webpage allows interaction versus static webpages that are designed to remain the same to all viewers. Dynamic websites may change depending on factors such as who the viewer is, the viewer's language, the date, and the timezone the viewer is in. Most websites today are dynamic and many use responsive design.
Let's Discuss
There are no posts.


text:
By applying our knowledge and consulting tools to ATLAS PROFESSIONALS, we are reaching out to the world of liberal professions. Economically relevant information regarding freelancers, lawyers, business and tax consultants as well as notaries can be obtained. It is also possible to conduct automated intercompany comparisons, estimate the regional tax consultant density or learn about the income situation of various professions. Our application is used by larger professional practices, desiring to expand as well as manufacturers and suppliers, wanting to offer a special business services to this target group.
- tax consultants, accountants, lawyers, notaries, patent attorneys, etc.
- information service compendium for every specialist group
- conduct average comparisons
- immediate illustration of regional densities via our map function
- various up-to-date information via the news function
- create high-quality reports at the touch of a button
PETRA SEISL is responsible for the liberal professionals, pharmacies and non-medical health professionals at REBMANN RESEARCH. She recently gained substantial public attention for her project "womanizing". She is an authorized signatory and manages our office in Berlin. At the LMU in Munich she studied business administration and was awarded her doctorate (Dr. rer. pol.) in 1998. Her main focus is on supporting complex change projects as well as communication, leadership and HR.


text:
This morning, I performed on air with NP Presley & The Ghost of Jesse Garon.
If you missed it live, you can listen here (we come in around the 21:50 mark).
(P.S. – The station is on an eight-second delay, so every time you hear us shouting, "Hit the button! Hit the button," we're referring to the emergency "dump" button stations have to stay FCC compliant with language. Nate tried.)


text:
Reading A-Z resources organized into weekly content-based units and differentiated instruction options.
Informational (nonfiction), 129 words, Level F (Grade 1), Lexile 380L
While gazing up at the night sky, the Moon may seem very far away, yet it is the closest thing to us in space. On the Moon provides students with a detailed look at the uninhabitable surface of the moon, from craters to zero gravity. The book can also be used to teach students to ask and answer questions and to identify the author's purpose.
Leveled Book Lesson
Use of vocabulary lessons requires a subscription to VocabularyA-Z.com.
Reading Strategy
Ask and answer questions to understand text
Author's Purpose : Determine the author's purpose
Phonological Awareness
Short Vowel Sounds : Discriminate short vowel /i/ sound
Short Vowels : Identify short vowel i
Grammar and Mechanics
Proper Nouns : Recognize names of places as proper nouns
Word Work
Antonyms : Identify and use antonyms
Think, Collaborate, Discuss
Promote higher-order thinking for small groups or whole class
You may unsubscribe at any time.


text:
Check that you have enabled Macros in your Excel Workbook. Our template needs to run macros so you can create Amazing Maps in Microsoft Excel.
Our templates are tested to perfectly run in Microsoft Excel 2007, 2010, 2013 and 2016.
Just add your values on the correponding place in de Dashboard.
To color your map, you must first indicate the values for each of the regions in the corresponding table.
Then, just click on Colorize. That's it! That easy!
Our maps are preconfigured with a set of five different color patterns so you can choose the one you like the most when coloring your Choropleth Map for Microsoft Excel.
You can choose one of our five different patterns by using the drop-down you'll find in the Dashboard.
To have your map again as it has been delivered, click on Restart.
You can hide and show the legend of your map by clicking on Legend.
You can copy our Maps for Microsoft Excel in two different formats:
Vector image: this format will allow you to use your maps without loss of resolution when increasing the size of the map or zooming in.
Bitmap: this is the most used image format worldwide. JPG, BMP or PNG are examples of bitmap formats.
You can copy the data table by clicking Copy Data.
To adjust the characteristics of your map, just click Settings. A section will be opened and there you will be able to:
- Add a title to your map.
- Set the units that will be shown in your map's legend.
- Customize the ranges to be taken as a reference to color your map.
- Change the colors that will be used to color your map.
Go to Settings / Title and write the title you want to appear on your map.
Go to Settings / Units and indicate the units that should be shown on your map.
Your map's ranges are five intervals that will define the different colors the map will be colored in.
You can set your own intervals. Anyway, we have made it easy for you and you can let us configure them automatically for you by clicking on Ranges / Predefined.
The automatic ranges will be calculated taking into account the values you have filled in the data table of regions in the Dashboard.
To color your map with different colors from those we have proposed, simply change the colors of the cells with the ones you want to use.
Do not worry if you do not want to lose the patterns that we have proposed initially. You can always recover them by clicking on Predefined.
Whenever you want to return to the map Dashboard, click Back to Map.
To change the language of your template, you can use the dropdown that you will find at the top of the Dashboard.


text:
In this introduction to the Pro Cloud Server's Web Portal, you'll learn how to:
Join us as we preview this exciting new collaboration platform for Enterprise Architect, which connects team members and clients via a live, web-based view of your corporate model or system design. Supporting mobile devices, our new Pro Cloud Server ensures all stakeholders are informed by the live model, and able to contribute feedback from anywhere in the world!
Ben Constable


text:
Isn't your social media marketing campaign giving the results you need? You've set up everything, covered what you thought needed to be cover, and still, there is little activity. Your social media accounts have entered a cycle in which nothing new happens, there are no new followers and engagements are quite low. There is nothing worse in the social media marketing world than this numb cycle, and the longer you let it stay this way, the harder it will be for you to get out of it and get back on the right track.
This means that you will have to change certain things and spice up your social media marketing campaign with a fresh approach. This doesn't mean changing your campaign fundamentally, but rather doing some things differently and enhancing your current campaign. Here is what you can do.
1. Post at appropriate times
There are no rules that outline what the best time for posting on social networks is. Still, the best social media experts have found out that the best optimum time for posting on different platforms is separated in clusters. On eastern standard time: from 8:30 a.m. to 10:30 a.m. on Google +, until 2 p.m. on Twitter, from 1 p.m. until 5 p.m. on Facebook, 8 p.m. to 10 p.m. on Tumblr, from 8:30 p.m. to 11 p.m. on Pinterest, and from 4 p.m. until 6 p.m. for Instagram. Women are usually online on Instagram, Pinterest and Facebook later than men. So, if your target group is women, look to post somewhere from around 10 p.m. until midnight.
2. Make your email list grow
You might think that emails are outdated, but you couldn't be more wrong. Emails are still strong and popular. In the last valid report that was given in 2012, numbers showed that over 91 % of customers stated that they check their email each and every day at least once. You are probably wondering what do emails have to do with social media?
By getting a lot of email subscribers, you can connect them with your social media accounts. Whenever you post big news on Facebook, you can include an email strategy that highlights your post or page, emphasizing on your big news. This is how you will grow your follower base and improve social media engagement.
3. Get a social media report
In most cases, you can easily notice that your social media marketing campaign is not performing as well as it should (based on your efforts), but you might not really know where and why it is not giving the results you expected. If you don't know where the leak is, you won't be able to fix it. Simple as that. Social media reporting is one of the best ways to gather all the data and analyze where your strategy is failing. It can be hard to make sense of it all and get to the bottom of your social media data, and it may take up a lot of your time.
4. Use appropriate networks for sending right messages
Each and every social network has a different purpose and attracts different audiences. If you fully understand this, you will be able to market yourself much easier. For example, Pinterest and Instagram are image-based networks whose audience consists of mostly women. This means that they're most suitable for marketing fashion, art, etc. If you are promoting a law firm, then it's better to focus on LinkedIn or Facebook and so on and so forth. Test different networks with different audiences and see how they respond.
5. Don't rely solely on organic techniques
Organic traffic and search engine optimization are not enough to sustain all of your marketing efforts. It is crucial and useful, but when there is no activity on your networks, you need to create traffic spikes to get your flow running again. Sometimes, you just need to invest money in ads. Luckily, all of the most popular social networks have options to create ad campaigns.
If you feel like your social media marketing strategy has reached a dead end, try some of these techniques to wake it up from its sleep. Also, make sure that you keep up with the current trends. This will make it easier for you to recognize which technique needs to be emphasized to improve your results. If you have anything to add on this topic, feel free to comment.


text:
Ekklesia I and II is a HUD–subsidized retirement complex in a quiet part of town off Barbour Road. About two blocks from Morehead Plaza Shopping Center, Ekklesia I and II includes 94 one-bedroom units and six two-bedroom units, all arranged in clusters around the community center, which houses laundry facilities, a mail room and a large meeting room with a kitchen. The offices of the site manager and activities director are also in the community center. Regular activities include monthly birthday parties, holiday parties, bingo, club meetings and such special events as an annual bake sale. A service coordinator also is available to help residents find community programs that may be of assistance to them.
Fill out the form below to send your comment or question to Ekklesia I and Ekklesia II!


text:
Pearl Barley and Tatsoi Soup
If bright bok choy and baby mustard greens had a love child, it would be tatsoi. It's one of my favorite summer treats, and it's perfect in this hearty
In a small, Northern Vermont Kitchen, we sate our appetites with homemade meals and a love of local ingredients.
If bright bok choy and baby mustard greens had a love child, it would be tatsoi. It's one of my favorite summer treats, and it's perfect in this hearty
This soup couldn't be easier or more delicious. It's rich and creamy (with no cream), and loaded with herbs. Bonus: The crispy leeks are simple to make too! So, when
Sometimes you feel like cooking. Sometimes you just need to eat. This recipe gives you the best of both worlds, because it tastes like you've been slaving over the stove
The summer is racing by! But that's okay – this is when we get to the really good part. Veg, veg, veg, and more veg. We received our first zucchini
So, what did you all think of the blizzard of 2017? As my grandfather used to say, "That was a humdinger!" I'm not nearly as enthusiastic about eclectic weather as
Hello February, you old so and so. Grey skies that vacillate between snow and rain, ice, sleet, and hail. We know what your game is. But guess what we have
If you're in the mood for a slightly spicy soup and you have some leftover chicken, this is the meal for you. It's loaded with blackening spice, wild rice, chicken
I think that most people have a favorite version of chicken noodle soup. Whether it's their grandmother's recipe – or they add a cup o' water to some condensed soup
Even though the smell of split pea soup appeals to me, I've just never loved the taste. It's kind of weird. How can you like the way something smells and
I love salad for breakfast. Up until a few years ago I thought this made me a little odd. I had been mocked enough by roommates and friends that I
It's been a wild ride of a week in terms of the weather. Friday it was 75 degrees – Saturday it snowed. Currently hanging out on my dresser is a


text:
These forms allow you to use our DocuSign system to sign and submit your forms online. No need to take these forms into a Bellco branch location or return them by mail.
ACH Stop Payment Request
ACH Written Statement of Unauthorized Debit
Automatic Loan Payment Authorization–Business Loans
Automatic Loan Payment Authorization–Consumer Loans
Automatic Loan Payment Authorization–1st Mortgage & Home Equity ChoiceLine
Automatic Loan Payment Authorization–Consumer Visa® Credit Card
Payment Due Date Change Request Form (Real Estate & Lines of Credit cannot be changed)
Loan Payoff Request (Auto loans and Unsecured loans)
Loan Payoff Request (1st Mortgage & Home Equity ChoiceLine)
Use these pdf forms to fill out and deliver your request to a Bellco branch location, return by mail, or print a copy for yourself.
Additional Person Form–Power of Attorney or Guardian
Automatic Loan Payment Authorization–Consumer Loan Account
Certification of Agent on POA– Colorado
Debit/Credit Card Dispute Form
Debit Card Overdraft Services Opt-In Form
Financial Exploitation Form
Guide for Handling a Deceased Member's Estate, Assets and Debts
Joint Owner Removal Form
Loan Processing Checklist
Medallion Signature Guarantee Requirements
Name Change Form
Power of Attorney- State of Colorado Statutory
Revocation of Prior Consent to Release Financial Information
Subordination Requirements
Vehicle Purchase Worksheet
Automatic Loan Payment Authorization - Business Loans
Small Business Loan Application
New Business Account Forms
Commercial Loan Application
Business CC and LOC Document Checklist - Loans Over $25K
Personal Financial Statement for Business Loans
Borrower Debt Real Estate Schedule
Colorado Mail-In Ballot Application
Register to Vote
IRS Form-W8-BEN
Click here to view membership terms and conditions.
Automatic Withdrawal Authorization
Direct Deposit Authorization
Request to Close Account


text:
Reebok Classic introduced an awesome Ventilator 'Tonal Ballistic' sneaker pack last week. This shoe design was heavily inspired by the great outdoors. The Ventilator silhouette was a game changing design when it was first introduced back in the 1990's. This was Reebok's first lightweight running shoe delivering comfort, breathability, and style to the wearer. The brand revived the silhouette this year and it will for surely be a fall footwear banger.
The limited edition Ventilator "Tonal Ballistic" pack is available now at Jimmy Jazz, Urban Outfitters, and Reebok.com for about $90. The cranberry red/excellent red/black/white colorway was spotted at this weekend's BET Awards Ceremony in Atlanta. French Montana and YG both hit the Red Carpet rockin' their Ventilator joints in style. Check out some of the images below and be sure to catch the BET Awards on Tuesday, October 14, 2014 at 8PM EST.


text:
Cover story: "The explosive growth of digital data, along with better tools to analyze and store it, has jump-started a once-niche industry that packages under-the-radar information"; so-called alternative data, such as language tracking software that detects consumer sentiment, is becoming mainstream, creating potential and risk for investors.
Features: 1) Cautious on FB: Company has gotten past a string of scandals recently, but there is the risk its prospects may be damaged more than the market expects down the road by Washington and Brussels; 2) Positive on PGR: Company, the No. 3 auto insurer in premium volume behind State Farm and Geico, has excelled at every major aspect of the business, and offers a tech-like growth story with its sophisticated analytics; 3) Regular investors are increasingly able to take advantage of alternative data, such as credit-card use or location tracking, offered by firms such as AMTD or Sentieo.
Tech Trader: Positive on MSFT: Tech giant's revival bucks a trend in which once-great companies such as Sun Microsystems or Digital Equipment flounder and disappear; Under chief Satya Nadella, it made a bold pivot away from Windows, putting its cash cows at risk, and successfully transitioned to cloud computing.
Trader: Earnings estimates are likely to keep falling, says Dennis DeBusschere of Evercore ISI, and with the S&P 500 trading about at 15.8 times forward earnings, the risk of lower profits will limit future returns; Positive on APTV: For investors unwilling to bet on automakers such as GM because of tough competition and high capital needs, Aptiv, a supplier that sells key safety technologies for driverless cars, could be a good play;The annual meeting of the American Society of Hematology will feature developments from big firms such as CELG, AMGN and smaller ones such as BLUE and Genmab.
Interview: Raghuram Rajan, governor of the Reserve Bank of India, has an independent streak that has drawn backlash; He talks to Barron's about where the next crisis might be brewing, China's debt, and why investors should care about income inequality.
Profile: Robert Hyman, manager of the ALPS/Core Commodity Management Complete Commodities Strategy fund is trying to mitigate the contango that has cost about six percentage points per year for the past 10 years to the Bloomberg Commodity Index.
Follow-Up: 1) Positive on GM: Automaker is taking the right steps with its plan to shutter plants and focus on its profitable truck/SUV business and autonomous vehicles, but investors are giving it little credit, and shares are undervalued; 2) Cautious on GE: Story offers four suggestions for how chief Larry Culp can turn around the troubled company: Be bold at GE Capital, sell part of GE Healthcare, infuse new life into the culture, and switch deal-making priorities.
European Investor: Positive on J.D. Wetherspoon: Shares of British pub chain, which recently dropped after an earnings scare, are cheap, and offer a persistently high return on equity.
Emerging Markets: Markets are skeptical about the ability of Mexico's incoming President Obrador to deliver on socially generous campaign promises and deal with a "caravan" of migrants massing on the U.S. border.
Commodities: "Achieving a balance in the oil markets is proving to be a challenge for OPEC and its allies, and they face their stiffest test yet when they meet in Vienna next week."
Streetwise: If there's value in stocks, it's in foreign markets, says Doug Ramsey of Leuthold Group—companies such as those in the MSCI EAFE index could gain 10% just to get back to median valuations.


text:
Noonday Prayer Warriors feeding the hungry for 15 years
The Noonday Prayer Warriors of Third Mt. Olive M.B. Church began its feeding ministry in 2003. The group meets every Wednesday at noon to pray, but they want to do more than just pray for the community. The feeding ministry will be delivering plates at 9 a.m. this morning and serving lunch plates at the church at noon.
Each year in November, the prayer warriors feed the elderly, shut-in, disabled, homeless and service workers who risk so much every day serving the community. This has been a tradition of the church for 15 years. Feeding the ones who need it most.
"We meet every week to pray for our community, state and nation," Robert Coggins, member of the Noonday Prayer Warriors, said. "But sometimes we need to do more. This meal for the community is part of our outreach ministry. We are supposed to love one another as Jesus loved us and died for us. The least we can do is make sure people have enough to eat."
The group was started by the late Helen Davidson, Alma Brown and Billy Crawford. The prayer ministry president is Pauline Gardner.
There will be turkey, chicken, ham, chicken spaghetti, dressing, vegetables of every kind, rolls and desserts for anyone who needs a good hot meal.
"The Deacon's Ministry will be delivering plates to the elderly, sick and shut in," Coggins said. "Several different ministries within the church work together to make this happen. The West Point Police and Fire Departments will be serving plates."
Everyone is invited to share a meal with the Noonday Prayer Warriors of Third Mt. Olive M.B. Church at noon.
"We want to feed everyone we can that is hungry," Coggins said. "That's what the church is here for. We want to serve God and take care of people in need. That is what Thanksgiving is all about. Being thankful for what we have and sharing with others who may not have as much."
The community meal began as a way to deliver meals to those who may not be able to drive to the church to eat. It is a way to bless others with a hot meal that might not have the opportunity otherwise.


text:
CareerWise Recruitment proudly sponsored a recent seminar in the Radisson Hotel, Ennis Road, Limerick.
The seminar explored how a WRC Adjudication meeting will operate.
The WRC is now operating for more than one year and we are exploring how a WRC Adjudication meeting works. The seminar explained what to do when you are invited to a WRC hearing and addressed the following topics:
Guest Speakers were: Peter O'Brien (Adjudicator WRC), Muireann McEnery (IBEC) and Pat O'Donoghue (SIPTU)
Upload your CV to apply for as many jobs as you like.upload your CV
CareerWise Recruitment. EastGate Village, EastGate, Little Island, Cork.
Phone: +353 (0) 21 206 1900
Email: email@example.com


text:
Warning: You should know that every employee of Heffner Family Services has promised and signed their name to this Cremation Code of Ethics providing families we serve with the absolute unsurpassed, highest level of confidence.
Everyone in our family owned company from part-time associates to certified crematory operators, from licensed funeral directors to administrative associates, from pre-need advisors to administrative staff, absolutely everyone has signed this pledge and a copy is in the Employee File of each associate.
We doubt you will find any competitor who has gone to these lengths to ensure peace of mind for the clients.
Our Cremation Code of Ethics and the individual written commitment of each of our associates focuses on a set of values and minimum standards that maintain respect, dignity, and care for the deceased and the survivors. This is another unique reason to choose us for cremation service.
Ernie Heffner,
We Accept:
Heffner Funeral Chapel & Crematory, Inc. | (717) 767-1551
1551 Kenneth Road, York, PA 17408
Life Tributes by Olewiler & Heffner Funeral Chapel & Crematory, Inc. | (717) 244-6991
35 Gotham Place, Red Lion, PA
Dale Ranck Cremation & Funeral Care | (570) 742-4561
125 North Front Street, Milton, PA 17847
Maxwell Funeral Home | (570) 923-0228
205 5th Street, Renovo, PA 17764
Helt Funeral Chapel, Inc. | (570) 748-2722
232 Hogan Boulevard, Mill Hall, PA 17751
Beaver Urich Funeral Home, Inc. | (717) 938-6172
305 West Front Street, Box 322, Lewisberry, PA 17339
© Heffner Funeral Chapel & Crematory, Inc.
Crafted with care by Frazer Consultants & TA