Term Life Insurance
High coverage, low premium — ideal for mortgages and young families.
- Lump-sum death/TPD payout
- Affordable premiums
- Level-term options
Products
Find the Right Coverage for Your Needs
Once you know which category fits your situation, here's exactly what's inside it. Browse by category, or search for what you need.
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Get a Free QuotationWhole Life with Cash Value
Lifetime coverage plus a savings element — great for legacy planning.
- Lifetime protection
- Builds cash value
- Can be used for estate planning
Mortgage Reducing Term (MRTA/MLTA)
Covers your outstanding mortgage exactly.
- Matches loan balance
- Protects your family's home
- Optional decreasing or level cover
Medical Card
200+ private hospitals, RM100K to unlimited annual limit, as-charged billing.
- Cashless admission
- Annual renewing limit
- Wide hospital panel
Outpatient + Specialist Rider
Extend your medical card to outpatient visits and specialist consultations.
- Specialist access
- Diagnostic test coverage
- Reduces out-of-pocket costs
Family Medical Coverage
Children can be added from as young as 14 days old.
- Covers the whole family
- Consistent panel access
- Simplifies renewals
Critical Illness Plan
50 critical illnesses covered, pays 100% of sum assured.
- Lump sum on diagnosis
- Use for treatment or income replacement
- No restriction on how funds are used
Early Stage CI + Multicare
Cover for early-stage conditions, not just advanced illness.
- Earlier payout trigger
- Multiple claims possible
- Complements a standalone CI plan
CI Rider on Life Policy
Add critical illness cover to an existing life policy.
- Lower incremental cost
- Single policy to manage
- Flexible sum assured
Personal Accident (PA) Plan
24/7 accident cover, from as little as RM100/month.
- Accidental death & disability payout
- Hospital cash benefit
- Affordable entry point
Disability Income Rider
Monthly payout if you're unable to work.
- Replaces lost income
- Covers total & partial disability
- Works alongside CI cover
Hospital Cash Benefit
Daily cash payout for every day hospitalised.
- Covers non-medical costs
- Paid regardless of other claims
- Simple lump-sum-per-day structure
Education Endowment Plan
A guaranteed fund ready when your child needs it.
- Guaranteed maturity payout
- Premium waiver on parent's death/disability
- Disciplined savings structure
Investment-Linked Education Plan (ILP)
Growth-oriented education savings.
- Market-linked growth potential
- Flexible top-ups
- Built-in protection element
Private Retirement Scheme (PRS)
Tax-relief savings that can double as a family fund.
- Up to RM3,000/year tax relief
- Flexible contributions
- Long-term compounding
Retirement Annuity Plan
A guaranteed income stream when your retirement savings isn't enough.
- Guaranteed payout schedule
- Supplements retirement savings
- Predictable retirement income
Endowment Savings Plan
Capital preservation with a guaranteed maturity value.
- Capital preservation options
- Death benefit for spouse
- Medium-term horizon
Investment-Linked Retirement Plan (ILP)
Growth potential for a longer retirement runway.
- Market-linked growth
- Flexible premiums
- Combines protection and investment
Keyman Insurance
Protects your business against the loss of a critical person.
- Funds recruitment & transition costs
- Covers lost revenue
- Reassures lenders/investors
Buy-Sell Agreement Funding
Ensures partners can buy out a deceased shareholder's stake.
- Prevents forced company sale
- Funds pre-agreed buyout
- Protects remaining shareholders
Group Medical & PA for Staff
Attract and retain talent with real benefits.
- Tax-deductible business expense
- Boosts retention
- Scalable by headcount
Irrevocable Nomination
Proceeds go directly to your named beneficiary — no probate wait.
- Bypasses probate
- Pays out in days, not years
- Protects intended beneficiaries
Trust Nomination for Minors
Ensures funds are managed responsibly for children.
- Structured payout for minors
- Appointed trustee oversight
- Avoids lump-sum mismanagement
Whole Life as Estate Tool
Creates instant estate liquidity for your heirs.
- Immediate liquidity at death
- Can equalise inheritance between heirs
- Complements a will
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