U for Life

Underwritten by Tokio Marine Life Insurance Malaysia Bhd.

U for Life - Life Cover

A life insurance plan anyone can afford! Secure your family's future with financial aid in the event of death or total and permanent disability ( TPD) due to natural or accidental causes.

    • RM100k Minimum Sum Assured
    • Add-on Critical Illness Coverage
    • Death Coverage Until Age 75
    • TPD Benefit Up To RM500k
    • Death Benefit Up To RM500k
    • Accidental Death Benefit Up To RM1m

Get a Free SmartTAG + RM50 Touch 'n Go with U for Life Insurance!

Get a Free SmartTAG + RM50 Touch 'n Go with U for Life Insurance!

Get covered now with U for Life - Life Cover

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How to Claim

Who do I call to make a claim or state an emergency?

U for Life Hotline
  •  60326873688
  • Features

    What makes this U for Life insurance policy stand out?

    Cover Term
    protection up to age 75
    Premium Type
    progressive rate. increases as you age.
    Income Tax Relief
    up to a maximum of RM6,000 a year.

    Protection for Your Family

    How will U for Life help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    Natural Death
    A lump-sum payment to your family when you die of natural causes
    up to 75 years oldYes, up to RM500000
     
    Accidental Death
    Death due to injury from an accident. Acts of war and illegal activities exempted.
    up to 65 years oldYes, up to RM1000000
     
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    up to 65 years oldYes, up to RM500000
     
    Enjoy the full benefits of your insurance plan with great add-on coverage
    Add-on Coverage
    Am I Protected?
    Critical Illness Coverage
    Protection against serious diseases such as cancer, heart attack, stroke or heart bypass surgery
    Yes

    Age Requirements

    Am I eligible to apply for this U for Life insurance?

    Minimum Age
    at least 18 years of age
    Maximum Age
    at most 59 years of age
    Expiry Age
    at most 75 years of age

    Frequently Asked Questions about U for Life - Life Cover

    Things you might want to know

    What is the U for Life - Life Cover about? 

    Have you thought about the worst-case scenario for your family's finances? If you were to pass away or become fully handicapped tomorrow, can you guarantee that your loved ones will have enough to get by for years to come?

    With the U for Life - Life Cover underwritten by Tokio Marine Life Insurance Malaysia Bhd., all will be taken cared for to meet your family's financial needs such as daily living expenses, university fees, and even funeral costs. 

    This is a yearly renewable protection insurance plan that'll cover you, your children, and your spouse up til you reach the age of 75 with a maximum sum assured of RM500,000.

    Okay, so what's great about this term life insurance policy?

    Upon your death or Total and Permanent Disability ( TPD) before you reach the age of 65, those who matter the most will be given a lump-sum payment equal to your original sum assured.

    If you become fully disabled or die in an accident such as a car crash before your 65th birthday, this policy will payout 200% your sum assured. For example, if you originally bought the U for Life - Life Cover for RM100,000 sum assured, your next of kin will be guaranteed to be rewarded with RM200,000.

    What's the maximum my family will get when I die or become disabled?

    How much cash compensation your family will get all depends on your age at the time of accident and your basic sum assured:

    • Cash lump-sum of up to RM500,000 upon your death due to natural causes.
    • Cash lump-sum of up to RM500,000 on Total and Permanent Disability ( TPD) before the age of 65.
    • Double your basic cash lump-sum of up to RM 1,000,000 for death caused by accident before the age of 65.

    Do I also get optional benefits for critical illness?

    Yes, you'll be given the option to advance 25% of coverage as Critical Illness advanced payment in the event you suffer cancer, heart attack, stroke or undergoes heart bypass.

    How much premium do I have to pay? 

    The total insurance premium that you have to pay varies depending on the sum assured chosen, age at entry, your status as a smoker, and your overall health.

    This will help you to focus on your recovery instead of letting you family members scramble around to dig out cash from your savings accounts or borrow from relatives.

    Who can buy this term life insurance plan?

    To be eligible to buy the U for Life - Life Cover, you must be aged between 18 to 59 years old, have a Malaysian NRIC, a Malaysian home address, and live in either Malaysia, Singapore, USA, Canada, UK, NZ, Australia, Ireland, or Brunei. Once enrolled, you are allowed to renew your policy up to 75 years old.

    Can I cancel my U for Life insurance policy anytime? 

    Buying a life insurance policy is a huge financial commitment. If you do not pay your premiums within the grace period of 30 days from your payment due date, your policy will expire. 

    This policy does not provide any surrender value, if you cancel your policy, coverage will continue until the next premium due date.

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