Etiqa MaxiPro Insurance

An investment-linked plan with IL Savings Growth rider giving you a comprehensive insurance and savings coverage. Benefits included guaranteed approval, guaranteed annual cash payout, guaranteed maturity payout, guaranteed insurance charge rates and flexible premium payment terms.

Etiqa MaxiPro InsuranceGuaranteed Maturity Payout
Increasing Sum Assured
Min Sum Assured
Entry Age
17 years - 65 years
Max Coverage
Age 100 years
No Lapse Benefit


Policy Term
Protection up to age 100
Premium Type
Flat rate. Stays the same throughout policy term.


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

Main CoverageCoverage PeriodAm I Protected?
  • up to 100  years old
  • or Account Value at the next valuation immediately after the notification of claim, whichever is higher.
Total and Permanent Disability (TPD)
  • up to 69  years old
  • subject to a maximum of RM8 million per life insured.

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

Add-on CoverageAm I Protected?
Critical Illness Coverage
Permanent Disability Indemnity
Payor Waiver for spouse
Premium Waiver

How to Claim

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

Etiqa Customer Care Hotline


Minimum Entry Age
At least 17 years of age
Maximum Entry Age
At most 65 years of age
Coverage Expiry Age
At most 100 years of age

More Information

What is Etiqa MaxiPro Insurance?

Etiqa MaxiPro insurance is a regular premium investment-linked plan that offers you an additional savings benefit (premium paying). You can choose from six choices of plans that come with flexible payment terms of minimum 8 years, and up to 30 years of coverage.

This investment-linked insurance allows you to get protection plus save up a sum of money for things that matter as you are rewarded with guaranteed annual cash payout from the end of the second policy year until your policy matures*. 

Upon death, Etiqa MaxiPro Insurance also comes with a guaranteed maturity payout benefit of up to 150% total premiums paid, but any top-up of premiums will be excluded from this benefit*.

Not to mention, Etiqa MaxiPro insurance comes with guaranteed acceptance for insured amounts of up to RM200,000*. It is also worth highlighting that you don’t have to worry about paying the insurance charges as it is free of charge and is not subject to any revision in the future.

*Benefits applicable with IL Savings Growth.

What am I covered for?

Total and Permanent Disability (TPD) Benefit

Should an unfortunate event occur prior to your 69th birthday, you will receive RM24,000 up to a maximum of RM8 million worth of protection against Total and Permanent Disability (TPD) or Account Value at the next valuation immediately after the TPD approval date, whichever is higher. But do note that if the sum insured has been fully accelerated with no other benefits payable afterwards, the policy will be terminated upon payment of the TPD benefit.

Death Benefit

Upon death of the life insured, a sum of RM24,000 will be payable or Account Value at the next valuation immediately after receiving the notification of claim, whichever is higher. After the payment of death benefit, the policy will be terminated in condition that there are no other benefits payable thereafter.

What are the additional benefits?

IL Savings Growth

This add-on benefit is a premium paying rider that is not combined into the Account Value. From this add-on savings benefit, you can get covered for either Death or TPD prior to your 69th birthday. Not only that, the life insured will also be granted Accidental Death Benefit which is limited to RM2 million SAR prior to his 69th birthday as well. Additionally, a Maturity Benefit of RM60,000 and IL Savings Growth surrender value less any indebtedness will also be payable.

*Please note that the IL Savings Growth surrender value will only be available from the second policy year onward.

Other list of riders:

  • IL Payor Waiver of Premium (Juvenile)
  • IL Payor Waiver of Premium (Spouse)
  • IL Waiver of Premium for Critical Illness

Who can take up Etiqa MaxiPro Insurance?

This investment-linked plan is available for anyone to purchase. You can apply for yourself or your spouse before the age of 65. And if you are a parent and are keen to apply for your children, you should do so before they turn 17 years of age.

This is an insurance product that is tied to the performance of underlying assets and it is not a pure investment product such as unit trust.