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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

      PRUWith You

      A flexible plan that covers your needs for insurance and investment.

      Death Benefit
      100% of sum insured
      Total & Permanent Disability Benefit
      100% of sum insured
      Personal Accident Benefit
      100% of sum insured
      Coverage Term
      Up to 100 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
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                                        Last updated: Jun 13, 2024

                                        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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