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.
At HLA, we understand that you need a powerful insurance solution to protect your current loan commitment – be it personal or business loan.
You can count on HLA Asset Secure30, an investment-linked plan that provides protection against death for 30 years provided that the policy has sufficient Account Value, while securing your loan with a wide range of customisable options to help you sail through trying times.
Securing Loan Commitments
Worry no more about the burden of repaying your loans as it’s taken care of when you are no longer able to.
Safeguarding Key Man
Losing important personnel can be damaging to your business. Receive a lump sum payment to help with the recovery of your business while you find a replacement.
Protecting Joint Owner
What’s more, there is also an option for joint owner protection. Both you and your spouse are both covered in a single plan!
Opting for Flexible Payment Terms
One-time payment and high premiums upfront are a thing of the past! Manage the finances of your business efficiently by choosing a payment term of 6, 10, 15, 20 or full term depending on your financial capability.
Enhance your protection with additional coverage against critical illness, Total Permanent Disability (TPD), Old Age Disability (OAD), and accidental death /TPD. You can also extend the coverage against death, TPD and OAD for second life assured.
Have the peace of mind knowing that your policy can be extended automatically at policy maturity up to age 100 without underwriting. You may need to fulfil the required premium which corresponds to the extended period, or choose to save earlier with higher premium to boost your Account Value. As this is an investment-linked plan, the sustainability of your policy shall depend on your Account Value.
The rates of insurance charge, varying based on attained age over the policy term, are guaranteed and remain unchanged for the entire policy term.
Minimum Annual Premium shall be based on the Sum Assured purchased.
Minimum : RM500,000
Maximum : Subject to underwriting
Minimum : 30 days old
Maximum : 70 years old
Monthly, quarterly, semi-annually & annually
Product Disclosure Sheet
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