This is a regular premium, non-participating, life insurance term plan. It provides coverage for death and Total and Permanent Disability (TPD). The plan does not have any cash value as it is a pure protection plan.

We let you decide – choose from coverage of term starting with 10, 20 or up to 30 years. Your current age plus the chosen coverage term cannot exceed 70 years.

You are allowed to decrease the Sum Assured after purchase. Please bear in mind you may risk being under-insured should you decide to decrease the Sum.

The minimum Sum Assured is the higher of RM10,000 or the Sum Assured that corresponds to a premium of RM480 annually, while the maximum Sum Assured is RM500,000.

No. There are no benefits payable at the end of the policy term.

Should you decide that this policy is not the right fit for you, you may return it within 15 days from the date of receipt. We will refund all premiums paid.

Yes, you can. However, the policy carries no surrender value upon termination. You will need to submit a written request to MCIS Life in order to surrender your policy. You may submit the written request by email to customerservice@mcis.my or at the nearest MCIS Life branch.

The policy shall automatically terminate:

i)       upon full payment of Death Benefit; or
ii)      upon full payment of Total and Permanent Disability Benefit; or
iii)     when the policy becomes void, lapse or is surrendered; or
iv)    upon non-payment of premium until the end of grace period; or
v)      when a written request from You for termination of the policy is received by us; or
vi)    on the maturity/expiry date, whichever occurs earlier.

Yes, by completing the nomination form. If your intention is for the nominees to receive the policy monies and if the nominees are not your spouse, child or your parents, then you are advised to assign the policy benefits to the nominee(s) instead of executing the nomination.

Yes. You may qualify for personal tax relief on life insurance premium from the purchase of this plan, subject to the terms and conditions imposed by the Inland Revenue Board. MCIS Life does not provide tax advice; please contact your tax advisor for more information.

This plan suits Malaysians aged 16 to 55 years old (next birthday), in need of a pure protection plan.

The amount and length of coverage you should purchase depends on your protection needs and budget. You may use the Protection Gap And Budget Calculator available on our website to assist in assessing your coverage needs and budget.

No. You only need to answer the online questionnaire for us to determine your eligibility.

You will be informed about your application status immediately after completing the health questionnaires.

The premium amount depends on the policy term selected, the amount of Sum Assured, your entry age and gender, subject to a minimum premium of RM480 annually. Premiums must be paid throughout the policy term.

No. Our rates are level and guaranteed for the entire duration of your policy.

Choose to pay your premiums annually, semi-annually, quarterly or on monthly basis. Payments can be made via Auto-Debit, and Credit/Debit Card.

Follow our easy claims process to make a claim.
 

Yes, there are certain restrictions on the benefits. For full list, click below on List of Exclusions section.

The Policy shall not cover death caused directly or indirectly, wholly or partially, by any one (1) of the following occurrences:

1. the Life Assured dies from suicide within thirteen (13) months from the Policy Issue Date or date of reinstatement, whichever is later, whether the Life Assured is sane or insane;
2. the Life Assured dies by dueling or self-inflicted injuries, whether sane or insane within thirteen (13) months from the Policy Issue Date or date of reinstatement, whichever is later;
3. the Life Assured dies while committing an unlawful act or by the hands of justice.;

On occurrences of any of the above event, our liability shall be limited to the refund of premium paid without interest, and this Policy shall terminate thereafter.
 

The Policy shall not cover any Total and Permanent Disability (TPD) caused directly or indirectly, wholly or partly, by any one of the following occurrences:

1. attempted self-destruction or self-inflicted injuries while sane or insane;
2. military or naval service in time of declared or undeclared war or while under orders for warlike operation or restoration of public order;
3. entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the Life Assured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route;
4. an opportunistic infection or a malignant neoplasm if at the time of disability, is present in the Life Assured acquired immune deficiency;
5. TPD existing at the Issue Date or at the date of reinstatement of the Life Assured under this Policy;
6. participation in any hazardous sport or pastime or activities, including but not limited to aerial activity, bungee jumping, rock climbing or mountaineering, underwater activities, racing of any type other than on foot;
7. resulted from the Life Assured committing, attempting or provoking an assault or a felony or from any violation of law by Life Assured.

 
An opportunistic infection includes but is not limited to pneumocystis carinii pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection.
 
A malignant neoplasm includes but is not limited to Kaposi’s sarcoma, central nervous system lymphoma, hairy-cell leukemia and/or other malignancies now known or which became known as immediate cause of disability or death in the presence of acquired immune deficiency.