Hong Leong Assurance Berhad 198201014849

HLA Term Cash Refund

Affordable life insurance with a refund of premiums upon maturity

Have a contingency plan today. Protect yourself and ensure your loved ones are taken care of in case of an unfortunate situation, with a great insurance plan. HLA Term Cash Refund offers you excellent coverage at an affordable premium.



    Benefit Amount Payable (RM)
    Plan 1 Plan 2 Plan 3 Plan 4
    Death / Total and Permanent Disability Benefit (TPD) RM 18,000 RM 25,000 RM 35,000 RM 50,000
    Additional Accidental Death Benefit RM 72,000 RM 100,000 RM 140,000 RM 200,000
    Maturity Benefit 100% refund of the total premium paid (excluding any premium loading due to underwriting)

    However, if death/ TPD occurs due to non-accidental causes in the first 2 policy years, the plan returns you the premiums that you have paid only. Other than that, you can be assured that the amount payable for Death/ TPD Benefit will be at least 100% of total premium paid (excluding any premium loading due to underwriting).



    1) The policy will be terminated upon any Death, TPD or Accidental Death claim.

    2) TPD benefit will be applicable should TPD occurs prior to age 65. TPD benefit will be payable in accordance with Hong Leong Assurance Berhad’s provision.

Who Can Apply

  • The minimum and maximum entry ages (based on age last birthday) are as follows

    Minimum Maximum
    30 days old 55 years old

  • How much am I covered for?

    Coverage for this policy is dependent on your chosen sum assured. You will have a choice of 4 plans, each with different sum assured of RM18,000, RM25,000, RM35,000 and RM50,000.

  • How long am I covered for?

    Coverage term for this policy is 20 years.

  • What are the modes of payment available?

    You have the flexibility to pay your premium annually, half-yearly, quarterly or even monthly

Important notes:

The information above is only a brief description of the product and is not exhaustive. You are advised to refer to the Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy document(s).

More information

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