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Benefits & Privileges

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Coverage & Benefit


Entry age basis: Based on the age of your last birthday.

Entry Age Life Assured Policy Owner
Minimum 30 days old 18 years old
Maximum *70 years old No limit

*The maximum entry age for the TPD coverage is 69 years old.


1 Not applicable for foreigner application, whereby underwriting may be applicable.


2 The maximum annualised basic premium allowed is subject to the country of origin of the life assured and health questionnaire declaration.


3 Single top-up premium can be made at any time after the premium paying term while the policy is in force.


4 TPD coverage will cease on the policy monthly anniversary immediately following the life assured’s 70th birthday.


5 The basic sum assured shall depend on the entry age of the life assured as follows:



Life Assured's entry age Basic Sum Assured
Age 0 to 50 125% of total premium paid (excluding top-up premium, if any) – 100% withdrawal (if any) from the Investment Account 1
Age 51 to 60 110% of total premium paid (excluding top-up premium, if any) – 100% withdrawal (if any) from the Investment Account 1
Age 61 to 70 105% of total premium paid (excluding top-up premium, if any) – 100% withdrawal (if any) from the Investment Account 1

Important Notes

This product is underwritten by Sun Life Malaysia Assurance Berhad Registration No. 199001005930 (197499-U) (“Sun Life Malaysia”), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013 

Sun Life Malaysia is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by Sun Life Malaysia are protected against loss of part or all of the insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of the coverage, please visit the PIDM website ( or call the PIDM toll free line at 1-800-88-1266. 


The description of the features and benefits of the insurance product herein is not a contract of insurance and is only a brief summary of the insurance product for quick and easy reference. The complete terms and conditions of the insurance product are contained in the Policy Document of Sun Life Malaysia, the Insurer. 

CIMB Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this insurance product and the services provided by the Insurer. 

The Bank merely acts as a distributor for this insurance product. 

This insurance product is Sun Life Malaysia's product and not a product of the Bank. Therefore this insurance product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Insurer shall undertake the full insurance responsibilities, obligations and liabilities in respect of this insurance product.


Terms and Conditions apply.

Experience a seamless journey with a comprehensive protection plan.