We offer life protection to people from all walks of life with different needs, ranging from traditional whole life plan to term plan as well as investment-linked plan.
HLA Asset Protector protects your outstanding financial commitment in the form of a lump sum payment that goes towards paying your loan in the event of TPD1, OAD2, or death. It is flexible towards your changing needs as you have the option of, among others:
Adjusting your loan protection coverage when needed in the event of refinancing, an overdraft, or opting for an early repayment.
Settling your outstanding loan with withdrawal from your account value.
Withdrawing from the account value to finance the renovation of your home or expansion of your business.
Shortening your premium payment term by opting for Reduced Paid Up, provided there is sufficient account value to pay for the one-time charge.
HLA Asset Protector can also be used to leave behind a legacy for your loved ones. In the event of TPD1, OAD2, or death, you or your loved ones will receive a lump sum payment of sum assured and your account value.
1 TPD refers to Total and Permanent Disability prior to attaining age 65.
2 OAD refers to Old Age Disablement after attaining age 65.
Insuring key personnel in your company will help to protect your profits while reducing your losses should an unfortunate event occur. With this plan, you will receive a lump sum payment to help with the recovery of your business if your key personnel are unable to work or while you find a replacement.
Minimum : 18 years old
Maximum : 70 years old
Minimum : 16 years old
Maxmium: 65 years old4
Minimum : RM 500,000
Maximum : Subject to underwriting
Minimum Annual Premium shall be based on the Basic Sum Assured Purchased.
Monthly, quarterly, semi-annually, annually
100 – Entry age
4 If the Waiver of Premium Rider is purchased.
Product Disclosure Sheet
Leave us your contact details and we will get back to you as soon as we can!