OUR PRODUCTS

U for Life offers up to 3 distinct insurance products, depending on your health conditions and other factors. Here is some information about these products to help you better understand what we offer before you make a purchase.

LIFE COVER

Life cover pays cash in the event of death and total and permanent disability from both natural and accidental causes. It paves the financial future for those you leave behind.


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Summary of Life Cover policy

  • Pays an agreed cash lump sum up to RM1,000,000 on death of the insured person
  • Pays an agreed cash lump sum up to RM1,000,000 on Total and Permanent Disability (TPD) to age 65
  • Pays 2 times of the agreed cash lump sum up to RM2,000,000 for death caused by accident to age 65
  • Option to advance 25% of coverage as Critical Illness advanced payment to age 65 in the event that U suffer cancer, a heart attack, a stroke or undergo heart bypass surgery and continue living. See Critical Illness definitions.
  • Your payments increase each year as U get older
  • To be eligible to buy this product on-line, you must be aged from 18 to 59 years, have a Malaysian NRIC number, with a Malaysian physical address and reside in Malaysia, Singapore, USA, Canada, UK, NZ, Australia, Ireland or Brunei

For more details, see our Product Disclosure Statement. icon-pdf-dl.png

CRITICAL ILLNESS ADVANCED PAYMENT OPTION

This option pays 25% of your life coverage in advance if you suffer from any one of four critical illnesses (heart attack, open heart bypass surgery, stroke or cancer).

Not all applicants will receive this critical illness advance payment offer. The Critical Illness option will be offered after we have assessed your health. If the offer is made, the option to include this coverage is voluntary.


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Summary of critical illness advanced payment

  • Pays a lump sum of 25% of the Life cover amount U selected in advance if U suffer from any one of these critical illnesses; cancer, heart attack, stroke, open heart bypass surgery.
  • U’ll remain covered for critical illness until you’re 65 years old, upon a claim or termination of this policy, whichever is earlier.

For more details, see our policy disclosure statement. icon-pdf-dl.png

PERSONAL ACCIDENT COVER INCLUDING ACCIDENTAL TPD

You will only be offered the Personal Accident cover if we are unable to offer you the life cover plan. Personal Accident cover pays out RM100,000 if you die or are permanently disabled as a result of an accident.


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When is your death or disability an accident?

Your death or disability is accidental, if you die within 180 days of sustaining an injury that caused your death, where the injury was directly and solely caused by external, violent and accidental means.

Summary of Personal Accident policy

  • Pays an agreed lump sum of RM100,000 if U die by accident
  • Pays an agreed lump sum of RM100,000 if U are totally and permanently disabled accidentally to age 65
  • After first two years from date of issue, the policy pays a lump sum up to a maximum of RM20,000 if death is as a result of natural causes
  • Tokio Marine Life will return the total premium paid on non-accidental death within the first two years
  • As long as you continue to pay, you’ll remain covered until you’re 75 years old
  • This product is insured by Tokio Marine Life Malaysia
  • To be eligible to buy this product on-line, you must be aged from 18 to 59 years, have a Malaysian NRIC number, with a Malaysian physical address and reside in Malaysia, Singapore, USA, Canada, UK, NZ, Australia, Ireland or Brunei

For more details, see our Personal Accident product disclosure statement. icon-pdf-dl.png

TALK TO US

You can speak to one of our customer support representatives via our online chat or any of the channels below.


Address:
3A.7 Menara Ken TTDI, 37 Jalan Burhanuddin Helmi, 60000 Kuala Lumpur, Malaysia