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This is a non-participating yearly renewable insurance term plan designed to provide you with essential protection during the policy term. This essential protection includes Death Benefit and Accidental Total and Permanent Disability (TPD) Benefit. Moreover, this plan comes with an Auto Renewability option at the end of the Policy Year.

This plan has been specially designed to suit the wallets of those who have just joined the working force as the premiums are at a flat rate of merely RM 60 per year. Apart from that, its yearly renewable term allows you the time to consider your needs and affordability before committing to a long term plan.

This plan has an initial Sum Assured of RM 20,000 for Death Benefit and RM 100,000 for Accidental TPD Benefit. You are only allowed to purchase 1 policy of Life Protector per Life.

At the end of the policy year, this plan will be auto renewed for another year. The maximum renewal limit for this plan is up to 2 times. The Sum Assured will be increased by 5% of the initial Sum Assured upon each renewal.

The Benefit payable during the policy term is as follows: 

Benefit Policy Year 1 1st Renewal 2nd Renewal
Death RM 20,000 RM 21,000 RM 22,000
Accidental TPD RM 100,000 RM 105,000 RM 110,000

Sorry, you can't change the Sum Assured of the policy.

No. The coverage term for this plan is only for 1 year.

This is a yearly renewable term plan, renewable up to 2 times.

Yes, you may do so at any time before the Expiry Date. As this is a term life policy, no cash value will be payable.

The premium is RM 60 per year regardless of your age and gender.

You are required to pay your premiums based on the payment mode you had chosen. You could choose to pay annually, semi-annually, quarterly or monthly during your application.

The premium is guaranteed for 1 year.

No, optional benefits are currently not available for this plan.

The entry age (last birthday) applicable shall be as follows: 

Minimum Maximum
18 years old 50 years old

Yes, there are circumstances where the claim is not payable. Please click here for the full list of exclusions applicable to the respective benefits under this policy.

You may download the nomination form from HLAtouch website (www.hlatouch.my) and submit the completed form at our nearest branch.

The policy will be terminated immediately:

  • on the day after the end of the Policy Year if the auto renewability option is not exercised or has exceeded the maximum renewal limit of 2 times; or
  • when the policy lapsed or is cancelled; or
  • upon the death of the Life Assured; or
  • upon TPD due to accidental cause of the Life Assured;

whichever occurs first.