Allianz i-EssentialCover

A smart term life insurance plan for those looking for flexible cover and low premiums. Get your free online quote when you apply today!

Allianz i-EssentialCover
Min Sum Assured
Death Benefit
up to RM500k
Death and TPD Coverage
until age 65
Accidental Death Benefit
TPD Benefit
up to RM500

How to Claim

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

Allianz Hotline


Cover Term
Protection up to age 65
Premium Type
Flat rate. Stays the same throughout coverage term.
Income Tax Relief
Up to a maximum of RM3,000 a year.


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

Main CoverageCoverage PeriodAm I Protected?
  • from 18 up to 65  years old
  • Yes , up to RM500k  
Total and Permanent Disability (TPD)
  • from 18 up to 65  years old
  • Yes , up to RM500k  


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 55 years of age
Coverage Expiry Age
At most 65 years of age

More Information

What is the Allianz i-Essential Cover?

This coverage offered by Allianz is a term-life-insurance product meant to care for you through your life and your family after your death. So take more time to value yourself and pick up this insurance policy.

You will get 10 years of coverage with this plan, without having to make constant renewals. Also, your family will be able to stay afloat should anything happen to you, and have some help while they try to get back on their feet.

How does my coverage look like?

Much like other term life insurance plans, this one will cover you for both death, accidental total and permanent disability and total and permanent disability. With coverage of more than RM1million you can be sure that your loved ones will get a great payout.

How do I become eligible for this plan?

Well this is where the policy varies from most plans. With the Allianz i-EssentialCover, you will need to be at the legal age of 18 or over to apply. Coverage is for 10 years from the date of application or till you reach the maximum age of 65 years old. It will depend entirely of when in your life you are purchasing this policy.

How do the premiums work?

There are a few plans for you to choose from when you sign up for this policy. Which means your premiums will depend on not only your age or gender, but with plan you select.

For flexibility, you have a choice of paying your premiums either monthly or annually based on what you feel is most comfortable. Rest assured your premium rates will not fluctuate with the times, but you will have a constant flat rate.

What are some of the terms and conditions I need to know?

Well you might want to take note that this policy does not cover pre-existing conditions, so be careful to take that into consideration before you buy the policy. There will also be a grace period of 15 days in which you can change your mind to cancel the policy but after that, you can still cancel it but you may not get a refund on your premiums paid. 

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