Underwritten by Zurich Insurance Malaysia Berhad

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.

    • RM50k Minimum Sum Assured
    • Add-on Critical Illness Coverage
    • Death Coverage Until Age 80
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured

Get covered now with Zurich TermLife

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How to Claim

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

Zurich Hotline
  •  1300888622
  • Features

    What makes this Zurich insurance policy stand out?

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

    Protection for Your Family

    How will Zurich help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    A lump-sum payment to your family when you die of any causes
    from 16 to 80 years oldYes, up to 100% of sum assured
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    from 16 to 69 years oldYes, up to 100% of sum assured
    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, kidney failure or heart bypass surgery
    Hospital Benefit
    Payment for hospital visits, including room and other costs charged during your stay
    Premium Waiver
    Your family’s exemption from premium fee payments due to your death or disability.
    Accidental Death or Dismemberment
    Protection for when you die or lose a limb due to an accident

    Age Requirements

    Am I eligible to apply for this Zurich insurance?

    Minimum Age
    at least 16 years of age
    Maximum Age
    at most 65 years of age
    Expiry Age
    at most 80 years of age

    Frequently Asked Questions about Zurich TermLife

    Things you might want to know

    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.

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