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Benefits & Privileges

Extensive & Flexible
Benefit & Discounts
Full Premium Allocation


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

For the life assured

Policy Term 30 years Expiry Age 70 Expiry Age 80 Expiry Age 99
Minimum age at entry 18 years old 30 days old 30 days old 30 days old
Maximum age at entry 40 years old 50 years old 60 years old 70 years old*

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


For policy owner

The minimum entry age is 18 years old.


Policy term

This plan provides 4 options of expiry term for you to choose from:

  • Expiry at age 70
  • Expiry at age 80
  • Expiry at age 99
  • Policy term for 30 years

Cost of Insurance Discounts

Basic Sum Assured Discount on Basic COI
RM 500,000 - RM 999,999 10%
RM 1,000,000 - RM 2,499,000 15%
RM 2,500,000 onwards 20%


Any benefit payable will be subjected to the deduction of indebtedness (if any).


TPD coverage will expire at the policy monthly anniversary immediately following the life assured’s attainment of age 70 and subject to maximum aggregate limit of RM8,000,000 per life.

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 Assurance Berhad Registration No. 199001005930 (197499-U), 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.