Zurich TermLife

Build your life goals around the security of a term life policy that offers coverage up to 20 years and affordable flat rate payments.

Zurich TermLife
Min Sum Assured
RM50k
Death Benefit
up to 100% of sum assured
Death Coverage
until age 80
Accidental Death Benefit
N/A
TPD Benefit
up to 100% of sum assured

How to Claim

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

Zurich Hotline

Features

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.

Coverage

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

Main CoverageCoverage PeriodAm I Protected?
Death
  • from 16 up to 80  years old
  • Yes , up to 100% sum insured  
Total and Permanent Disability (TPD)
  • from 16 up to 69  years old
  • Yes , up to 100% sum insured  

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

Add-on CoverageAm I Protected?
Critical Illness Coverage
Yes
Hospital Benefit
Yes
Premium Waiver
Yes
Accidental Death or Dismemberment
Yes

Requirements

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 Zurich TermLife?

TermLife is a life insurance policy by Zurich that offers flexible plans so you can choose how much you want to be insured for and how long. It offers you affordable premiums while giving you extensive liability protection.

To help you and your family get the most out of this policy, you could always get a quote and have your policy issued to you when you apply on RinggitPlus. Our friendly customer-help team will give you a call to get your details and payment information and get you covered with the right plan for you.

How does my protection work?

In the event of your death or permanent disability, Zurich will proceed to pay the total amount of your sum assured to you or your next of kin.

This Total and Permanent Disability protection will be payable should it occur before the age of 70. Also there's a flexibility to choose from the different coverage terms and sum assured amounts which extends to a maximum coverage age of 80! So if you don't have a backup financial safety net, this is an ideal risk management investment for you and your loved ones.

What Zurich TermLife plans can I choose from?

Zurich TermLife offers sum assured benefits of either RM50,000, RM100,000 and RM200,000 depending on your financial obligations and life-goals. 

Next, you can choose the coverage period that you want with flexible plans of either 5 years, 10 years or 20 years.

Only for 20 year plans, you'll also be able to surrender your plan for its accumulated cash value.

How do I pay my premiums?

Have your credit or debit card ready. Once you've provided your payment details you have the option of choosing your payments be charged to either your debit or credit card. You can also decide then if you would prefer to make monthly payments or do them annually.

What happens when my policy expires?

Once you start approaching 60, and your coverage period is coming to an end you'll have the option of converting your plan to a whole life insurance policy that will continue to cover you in the event of your death or total permanent disability.

Who can buy this term life policy?

Zurich TermLife is offered to anyone between the ages of 16 to 45 years that meets Zurich's health requirements.