*NEW* HLA Stackable (Build Your Own)

*NEW* HLA Stackable (Build Your Own)



Start building your most affordable life and accidental protection plan here today!

HLA Stackable is a modular series of product where you can add coverage when you need or when you are ready. HLA Stackable is an annual term plan which provides life coverage of RM1,000 up to RM20,000 per life. It is also available with a series of optional accidental riders to compliment the basic plan.

Premium from

RM 5/Year

1 year
20 - 60 years old

What's Covered

  • Up to RM20,000 Death benefit
  • Up to RM20,000 Accidental Death / Total and Permanent Disability (TPD) optional rider benefit
  • 2X (up to RM40,000) Accidental Death / TPD optional rider benefit if it's due to public conveyance
  • 3X  (up to RM60,000) Accidental Death / TPD optional rider benefit as a result of an Accident while Overseas
  • Up to RM100/day Accidental Hospital Income optional rider benefit

What's not covered

  • Death due to suicide within 12 months
  • Engaging in any aerial activities, professional sports or racing of any kind
  • Self-inflicted injury, suicide or attempted suicide, or being under the influence of drugs/ narcotics/ alcohol of any kind

The list above is non exhaustive, please refer to the Product Disclosure Sheet and Policy Wordings for full coverage and policy exclusions.


Product Disclosure Sheet
Policy Wordings

Customize your plan

Enter your age and choose a coverage level to get an instant premium quote!

*Please enter your age as of your last birthday
*2 months premium payment will be charged upfront for monthly frequency

Frequently asked questions

Yes, HLA Stackable is a Perlindungan Tenang protection plan that you can easily purchase that are affordable and easy to understand, with a convenient claims process.

HLA Stackable is a series of products that is designed to provide affordable and flexible life protection coverage starting from RM5 per year. You have the option of purchasing multiple policies whenever you need, up to RM20,000 per life or together with a series of Accidental riders for enhanced coverage.​ This plan does not have any cash value or any savings / investment elements.

On top of the basic life protection plan, HLA Stackable is also available with riders such as Accidental Death, Accidental Total & Permanent Disability and Accidental Hospitalisation Daily Income. You have the option to select any of these riders if you need the additional benefits as described below: