AIA A-Life ProtectTerm

Your premiums will stay the same even as you age. Have complete peace of mind with complete insurance protection for death and permanent disability with guaranteed renewal.

AIA A-Life ProtectTerm
Min Sum Assured
Death Benefit
up to 100% of sum assured
Death Coverage
until age 80
Accidental Death Benefit
TPD Benefit
up to 100% of sum assured

How to Claim

Who do I contact if I have a question or emergency?

AIA Hotline


Cover Term
Protection up to age 80
Premium Type
Flat rate. Stays the same throughout coverage term.
Income Tax Relief
Up to a maximum of RM3,000 a year.


How will AIA help to secure your family's financial future?

Main CoverageCoverage PeriodAm I Protected?
  • up to 80  years old
  • Yes , up to 100% sum insured  
Total and Permanent Disability (TPD)
  • up to 65  years old
  • Yes , up to 100% sum insured  


Minimum Entry Age
At least 16 years of age
Maximum Entry Age
At most 65 years of age
Coverage Expiry Age
At most 80 years of age

More Information

Why should I get AIA A-Life ProtectTerm?

If you ever need extra financial security for your family in the event of your death or total and permanent disability, AIA A-Life ProtectTerm will lend a helping hand when life’s uncertainties hit you where it hurts (literally).

You have the option to choose from 3 different coverage plans depending on your needs and budget  - Level Term, 5 Year Term, and Yearly Renewable Term.

If you’d like to secure a home loan, your children’s education, or simply to ensure that those who matter the most have enough to get by once you're gone or unable to work, AIA will help with a cash payout equal to the sum assured of your AIA term-life insurance plan.

Am I eligible for this AIA insurance policy?

To get AIA A-Life ProtectTerm you have to be at least 16 years of age and no older than 65. You’ll be able get coverage up till the age of 70 if you renew your plan before your 65th birthday.

How long will my coverage last?

With the A-Life Protect 5-Year Term you're eligible for term life insurance coverage for a fixed period of 5 years. If you would like to continue your policy after the coverage expires, you can choose to renew for another 5 years without further underwriting.

With A-Life Protect Level Term, you can choose flexible coverage periods depending on your needs, whether it's 10, 15, 20, 25, or even for as long as 30 years. 

Unlike most term life insurance policies with a lower age limits, you can get coverage up till the age of 80. Lastly, for the Yearly Renewable Term plan is well, as the name suggest is renewable every year - no problem!

Can I renew my policy?

You'll enjoy guaranteed policy renewal for both the 5-Year Term and Yearly Renewable Term plans.

However, the A-Life Protect Level Term is a non-renewable policy, but you can choose to convert it to any permanent life insurance policy with AIA, with the exception of plans which include additional critical illness benefits.

Are the premium rates fixed?

Yes, the premiums are fixed throughout the duration of your policy. But the rates may increase depending on your age during renewal. Other factors such as the coverage sum assured, gender, occupation, and whether you're a smoker will also affect your premium rates.

When should I pay my premiums?

As for payments, you will be given the option of paying your premiums annually, half yearly, quarterly, or monthly.

Are there other fees and charges?

Good news! Other than your premiums, there are no extra fees or charges that you’ll have to worry about.

What if I decide to get a whole-life plan?

Great news - you can convert your AIA A-Life ProtectTerm to a permanent term life insurance policy with AIA, with the exception of plans with added critical illness benefits.

However, the sum assured of your new plan must be equal to the current plan, and you must convert your policy before you reach 65 years old.

Can I claim income tax relief?

Yes, with AIA A-Life ProtectTerm you're entitled to personal income tax relief of up to RM6,000. 

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