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ProtectEase with CriticalEase Rider

Staying protected should always be easy

Death Benefit
Pays the higher of the Basic Sum Assured (BSA), Total Premiums Paid, or Guaranteed Surrender Value.
Total & Permanent Disability Benefit
Provides a lump sum if you are certified as totally and permanently disabled.
Personal Accident Benefit
Additional payout if death occurs due to an accident.
Coverage Term
Up to age 80 (next birthday).

    i.Am Wealth Builder

    A well-lived life tomorrow begins with a well-planned financial journey today

    Death Benefit
    Lump sum of the Basic Sum Assured (with Protection Maximiser) plus the Non-Guaranteed Account Value.
    Total & Permanent Disability Benefit
    Provides a lump sum if you are certified as totally and permanently disabled.
    Personal Accident Benefit
    Additional 100% of BSA payable upon accidental death.
    Coverage Term
    Up to age 85 (next birthday).

      1Cover

      Protect yourself to protect their future

      Death Benefit
      Up to RM600,000 of the sum insured
      Total & Permanent Disability Benefit
      -
      Personal Accident Benefit
      Up to RM400K of the sum insured
      Coverage Term
      Up to 71 years old

        Group Multiple Benefits Insurance Scheme

        GMBIS is an affordable group investment-linked scheme

        Death Benefit
        RM40,000
        Total & Permanent Disability Benefit
        Up to RM80,000
        Personal Accident Benefit
        RM80,000
        Coverage Term
        Up to 65 years old

          PrimeCover

          Leave more than just a legacy behind

          Death Benefit
          Up to 3x of insured amount
          Total & Permanent Disability Benefit
          Up to RM8,000,000
          Personal Accident Benefit
          Up to RM25,000,000 per life
          Coverage Term
          Up to 100 years old

            Promiseland Advisory & Wealth Management

            Personalized financial guidance and comprehensive planning.  Free consultation session worth RM388 up for grab!

            Death Benefit
            -
            Total & Permanent Disability Benefit
            -
            Personal Accident Benefit
            -
            Coverage Term
            Up to 100 years old

              Great Term Direct

              Affordable Term Life Insurance

              Death Benefit
              Up to RM500,000 basic sum assured
              Total & Permanent Disability Benefit
              Up to RM10,000,000
              Personal Accident Benefit
              -
              Coverage Term
              Up to 80 years old

                UltimateLink

                Altogether, better protection

                Death Benefit
                Up to RM8,000,000
                Total & Permanent Disability Benefit
                Up to RM8,000,000
                Personal Accident Benefit
                Up to RM8,000,000
                Coverage Term
                Up to 100 years old

                  A-LifeProtectTerm

                  Change you perception on life insurance with ALife ProtectTerm

                  Death Benefit
                  Starting from RM25,000*
                  Total & Permanent Disability Benefit
                  Starting from RM25,000*
                  Personal Accident Benefit
                  Starting from RM25,000*
                  Coverage Term
                  Up to 80 years old

                    iEssentialCover

                    Allianz i-EssentialCover is a pure protection plan

                    Death Benefit
                    Up to RM1,000,000 per life
                    Total & Permanent Disability Benefit
                    Up to RM4,000,000 per life
                    Personal Accident Benefit
                    Up to RM1,000,000 per life
                    Coverage Term
                    Up to 65 years old

                      PremierLink

                      Your love for them never has to end

                      Death Benefit
                      Up to RM8,000,000*
                      Total & Permanent Disability Benefit
                      Up to RM8,000,000*
                      Personal Accident Benefit
                      -
                      Coverage Term
                      Up to 100 years old

                        Takaful Protect Direct

                        Cover yourself with family takaful today to protect their tomorrow

                        Death Benefit
                        100% of the sum insured
                        Total & Permanent Disability Benefit
                        -
                        Personal Accident Benefit
                        100% of sum insured
                        Coverage Term
                        Up to 100 years old

                          MoneyBack

                          The insurance plan that has your back and provides money back

                          Death Benefit
                          Up to RM600,000
                          Total & Permanent Disability Benefit
                          -
                          Personal Accident Benefit
                          Up to RM600,000
                          Coverage Term
                          Up to 65 years old

                            eLife Protector+

                            Take proactive steps to protect your family's financial future with this simple online plan.

                            Death Benefit
                            100% of sum insured
                            Total & Permanent Disability Benefit
                            100% payout of sum insured
                            Personal Accident Benefit
                            200% payout of sum insured
                            Coverage Term
                            Up to 75 years old

                              Future First

                              Family is not just an important thing — it is everything

                              Death Benefit
                              100% of sum insured
                              Total & Permanent Disability Benefit
                              100% of sum insured
                              Personal Accident Benefit
                              -
                              Coverage Term
                              Up to 80 years old

                                ALife Kasih Famili

                                Ensuring a better life for you and your family

                                Death Benefit
                                Up to RM500,000
                                Total & Permanent Disability Benefit
                                Up to RM1,000,000
                                Personal Accident Benefit
                                Up to 200% of sum insured
                                Coverage Term
                                Up to 70 years old

                                  eCombo

                                  Generali eCombo is a combination of three insurance plans that complement each other perfectly – medical insurance, life insurance and critical illness insurance.

                                  Death Benefit
                                  100% of sum insured
                                  Total & Permanent Disability Benefit
                                  100% payout of sum insured
                                  Personal Accident Benefit
                                  200% payout of sum insured
                                  Coverage Term
                                  Up to 75 years old

                                    Takaful Flexi Cover Group Plan

                                    Start early with protection, from only RM2.75/month

                                    Death Benefit
                                    Up to RM60,000
                                    Total & Permanent Disability Benefit
                                    Up to RM60,000
                                    Personal Accident Benefit
                                    -
                                    Coverage Term
                                    Up to 55-years old

                                      A-Life Legasi Beyond

                                      Hibah to your loved ones up to 600% of the protection amount

                                      Death Benefit
                                      Up to 6x of the coverage amount
                                      Total & Permanent Disability Benefit
                                      100% of the coverage amount.
                                      Personal Accident Benefit
                                      Up to 6x of the coverage amount
                                      Coverage Term
                                      Up to 80 years old

                                        A-Life Ikhtiar

                                        Protect your family even after you are no longer around.

                                        Death Benefit
                                        Hibah up to 200%
                                        Total & Permanent Disability Benefit
                                        100% of coverage amount
                                        Personal Accident Benefit
                                        Hibah up to 200%
                                        Coverage Term
                                        Up to 80 years old
                                          Show more
                                          Last updated: Aug 22, 2025

                                          FAQs Life Insurance in Malaysia - FAQ

                                          • A life insurance policy is a contract with an insurance company, where you the payer/insured will pay a set amount of premium monthly, quarterly, bi-annually or annually, in exchange for a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death.

                                            Most life insurance nowadays also provide compensation for Total Permanent Disability (TPD), to protect the insured and his/her family in the event of the loss of ability to generate income.

                                          • Having life insurance coverage helps make sure that the people you care about will be provided for financially, even if you are no longer around or lost the capacity to care for them. 

                                            The more dependents you have the more your policy value or sum assured should be. Examples of your dependents are:

                                            1. Your spouse depends on your income
                                            2. You have children
                                            3. You’re a stay-at-home parent
                                            4. You’re single, but you financially support your relatives
                                          • Some types of life insurance, such as whole-life insurance or investment-linked policies (ILP) allow you to accumulate a cash value. Other types of insurance, like term insurance, don’t have any cash value. These policies generally have comparatively lower premiums.


                                            Types of life insurance


                                            Description


                                            Endowment


                                            A combination of protection and savings where the money will be paid at the end of a specific period when you die or if you suffer total and permanent disability.


                                            Investment-linked insurance


                                            It combines investment and protection, where your premiums will be divided for life insurance cover and investment in specific funds of your choice. You can choose the premium allocation ratio.


                                            Life annuity


                                            The insurance company will pay you over a set period of time until you pass away. Types of annuity include immediate annuity or deferred annuity.


                                            Mortgage Reducing Term Assurance (MRTA)


                                            It covers the repayment of an outstanding property loan to the financial institution in the event of untimely death, disability or critical illness of the borrower.


                                            Whole life insurance


                                            It is designed to provide lifetime coverage; hence it usually has higher premium payments than term life. Premium amount is typically fixed, it has a cash value, which functions as a savings component and may accumulate tax-deferred over time.

                                          • The main benefit is to replace your income when you are no longer around to:

                                            • Help your family cover living expenses 
                                            • To pay for important financial needs like your funeral expenses, medical bills, debts, and legal fees
                                            • Leave a legacy to your children or grandchildren

                                            You can also claim for tax relief for a life insurance policy together with your Employees Provident Fund (EPF) contributions.

                                          • Your life insurance plan should suit your life stage and you should understand the scope of cover provided under the policy. 

                                             

                                            Things to look for:

                                                1. To meet your financial goal

                                            Whether you are looking forward for a lump sum maturity benefit upon retirement or to sponsor your child’s overseas education, look for a life insurance plan that meets your goals.

                                                2. Premium cost that you can afford

                                            While you buy life insurance to meet your financial goals and protect your family, it should also be affordable for you. Generally, your insurance premium should not exceed 6% of your income. For example, if you are earning RM5,000, your monthly insurance premium should not be more than RM300.

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