For My Life
Flexible and convenient life coverage for you and your loved ones.
Plan Add-Ons
We're here to help: Common Questions
Life insurance is a contract between you and an insurer where the insurer guarantees a lump-sum payment (death benefit) to beneficiaries if you pass away or suffers total permanent disability. It provides financial security by covering debts, living expenses, and education costs for dependents.
Term Life, whole life, investment-linked, and endowment plans.
Feature | Term Life | Whole Life | Investment-Linked | Endowment Life |
Coverage Period | Temporary (e.g., 10–30 years or until a specific age). | Lifetime (usually up to age 100). | Long-term; usually up to 80–100 years, but flexible. | Fixed term (e.g., 10, 15, 20 years or until maturity date). |
Premium | Lower cost; level premiums for the term. | Higher cost; level premiums for life. | Variable; can adjust payments over time. | High; fixed payments, similar to forced savings. |
Cash Value | Generally, none. | Guaranteed and increases over time. | Non-guaranteed; based on market performance. | Guaranteed at maturity. |
Main Benefit | High protection at low cost; pure protection. | Lifetime protection + guaranteed savings. | Protection + investment growth potential. | Disciplined savings + protection. |
For minimal medical check-ups or faster approval, consider guaranteed acceptance or online products. Zurich offers guaranteed acceptance products suitable for every life stage, such as Zurich Essential Cover, Zurich Everlasting Cover, Zurich Prestige Cover, and Zurich SureCover.
Most insurance providers in Malaysia offer comprehensive plans that combine life, medical, and critical illness coverage. These are typically investment-linked policies that bundle protection into a single package, making them both cost-effective and convenient.