Hong Leong Assurance Berhad (94613-X)

Life Protection

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 Complete Link

A complete solution for every cherishable moment

In searching for the best financial protection solution, HLA Complete Link is the ideal plan for you and your family. This long-term protection plan looks beyond the present and has complete coverage to suit you and your loved ones at every stage of your life.

With HLA Complete Link, you can purchase coverage for family members of 3 generations depending on their individual protection needs by adding on a wide range of riders.

HLA Complete Link is a regular premium investment-linked plan that protects against death, Total and Permanent Disability (TPD1), or Old Age Disablement (OAD2) up to age 1003.

1 TPD refers to Total and Permanent Disability prior to attaining age 65.
2 OAD refers to Old Age Disablement after attaining age 65.
3 Your insurance charge (which is not guaranteed and deducted from the account value) will increase as you get older. It is possible that the account value may be insufficient to pay for the high insurance charge and policy fee in later years due to circumstances such as poor fund returns, premium holiday or withdrawals causing your policy to lapse before attaining the age of 100. In such event you may need to top up your premium to ensure continuous coverage.


Benefits

  • Extendable protection for your family

    Protect your immediate family by extending your plan to cover 3 generations. Under this plan, you may purchase coverage for yourself, your spouse, children, and parents all in one policy.

  • Diverse options catering to your needs

    This plan provides a wide range of medical, critical illness, disability income, accidental, and premium waiver riders to suit the protection needs of you and your loved ones.

  • Potential financial gain

    Optimise your potential earnings with a wide range of investment funds depending on your risk appetite. You will also have the option of signing up a unique auto-rebalancing strategy, which will perform automatic fund switching from higher to lower risk as time passes. This will adjust your overall financial risk within your portfolio at a specified time period according to your selected investment horizon and strategy, giving you peace of mind knowing that your investments will be taken care of without further monitoring.

  • Guaranteed Bonus Units

    The longer you stay with us, the more you will be rewarded through additional units. You will receive Guaranteed Bonus Units which will be credited to you once per policy year from the beginning of the 7th policy year.


Who Can Apply

  • Who can apply

    Entry age of the Life Assured Minimum: As early as 13 weeks of gestation
    Maximum: 70 years old
    Age of the Policy Owner Minimum: 16 years old
    Annual Premium Minimum: RM1,200
    Maximum: Subject to underwriting
    Payment Frequency Monthly, quarterly, semi-annually, annually.
    Policy Term 100 – Entry age


More information