Fi Life Term Insurance

Get yourself and loved ones protected from unforeseen death or total permanent disability (TPD) with Fi Life’s uncomplicated pure protection policy that offers high coverage up to RM1 Million at affordable prices.

Fi Life Term Insurance
Min Sum Assured
Death Benefit
up to 100% of sum assured
Death Coverage
until age 80
Accidental Death Benefit
up to 200% of sum assured
TPD Benefit
up to 100% of sum assured


Cover Term
Protection up to age 80
Premium Type
Progressive rate. Increases as you age.
Plan Renewal
Option to renew plan via auto renewal
Income Tax Relief
Up to a maximum of RM3,000 a year.


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

Main CoverageCoverage PeriodAm I Protected?
  • from 18 up to 80  years old
  • Yes , up to 100% sum insured in Malaysia while overseas  
Accidental Death
  • from 18 up to 75  years old
  • Yes , up to 200% sum insured in Malaysia while overseas  
Total and Permanent Disability (TPD)
  • from 18 up to 70  years old
  • Yes , up to 100% sum insured in Malaysia while overseas  

Enjoy the full benefits of your insurance plan with great add-on coverage

Add-on CoverageAm I Protected?
Early Payout for Critical Illness


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 64 years of age
Coverage Expiry Age
At most 80 years of age

More Information

Tell me about Fi Life Term Insurance?

Fi Life Term Insurance is underwritten by Tokio Marine Life Insurance Malaysia Bhd.

It provides a non-complicated pure protection policy for those seeking life coverage with high sum assured and affordable premiums.

What are the covers provided?

Like any other term life insurance policies, you will receive protection from unforeseen (1) natural death events. With coverage as high as 100% of sum assured in the case of your death, and even double of the sum assured on (2) accidental death, you can rest assured that your family and loved ones will stay afloat and be protected from any financial burden that may happen.

With Fi Life Term Insurance, you will also get 100% coverage in the case of (3) total and permanent disability (TPD) that prevents you from working or if it affects your ability to perform any activities on a daily basis.

For further information, you can click on the product disclosure sheet for Accidental Death below:

Fi Life Term Insurance Accidental Death Coverage

Can I add-on any coverage?

Yes you can. Fi Life Term Insurance offers additional coverage against critical illness with extra premium.

If you have been diagnosed with any of the following critical illnesses: cancer, stroke, heart attack or coronary artery bypass surgery and decided to purchase this add-on coverage, Fi Life Term Insurance will pay you 25% of the sum assured in advance.

For example, your total sum assured is RM1 Million. When you’ve been diagnosed with heart attack for example, the policy will pay 25% of the sum assured which costs RM250,000 to you. With this, your sum assured will be reduced to RM750,000 but it will still be in force and the remaining are payable upon your death or TPD.

Check out these product disclosure sheets for different types of premiums with Critical Illness coverage:

Fi Life Term Insurance Yearly Renewable Term with Critical Illness Coverage

Fi Life Term Insurance Level Term with Critical Illness Coverage

I want to know more about the premiums

Fi Life Term Insurance comes with fixed or variable premiums and whichever premium that you choose, it will all depend on your own preference.

A Yearly Renewable Term (YRT) policy is where the premium will slightly increase every year as you age. If you wish to pay less in the beginning and pay slightly higher as you earn better income, then the Yearly Renewable Term policy is definitely for you.

With YRT policy, if you have not missed any payments and your policy is still in force, rest assured that you will be covered against death until 80 years of age, or against TPD until you are 70 years of age.

Another premium type is the Level Term policy in which the premiums are fixed and you are covered against death or TPD for 10, 15, 20, 25 or 30 years at your choosing, depending on your circumstances.

If you wish to find out more about the Yearly Renewable Term policy and Level Term policy, you can check out the product disclosure sheets below:

Fi Life Term Insurance Yearly Renewable Term

Fi Life Term Insurance Level Term

Who can apply for Fi Life Term Insurance?

Fi Life Term Insurance is open for all Malaysians that are between 18 years old to 64 years old (of your last birthday) to apply. 

If you are a Malaysian that currently resides either in Brunei, Singapore, USA, Canada, UK, Ireland, Australia, New Zealand, Hong Kong, Japan or Taiwan, you are still eligible to apply for this term life insurance but you need to have a Malaysian residential address in order to proceed.

Other eligibility criteria would be:

  • Possess a local debit / credit card; and
  • Able to send over a copy of your NRIC / MyKad via Fi Life website or email
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