Smart Protect Essential

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Comprehensive protection from RM100 monthly

Smart Protect Essential (“SmartProtect Essential”) helps you to achieve your financial freedom with greater confidence. This affordable life protection plan allows you to work towards your personal goals and live the life you desire, while providing you with a personal safety net.

From as low as RM100 a month, you will enjoy comprehensive coverage against life’s unexpected events and a host of features that will help you save for the future. You can customize your protection plan with wide range of riders and coverage term options to create the ideal plan that will help you LIVE GREAT.


Protection starting from just RM100 a month

Starting from just RM100 a month, this investment-linked insurance plan offers you life coverage and an investment allocation that grows over time

Protection against death and TPD

Should death or TPD occur, the basic sum assured, additional sum assured and total investment value will be payable to you 

Various coverage term options to suit your life goals

Smart Protect Essential provides you coverage term options of up to age 70, 80 or 90 years next birthday. Your plan also comes with an automatic 10-year extension of coverage at maturity

No-Lapse Guarantee as a safety net

Smart Protect Essential comes with a ‘No-Lapse Guarantee’ in the first 3 policy years. This valuable feature ensures that your policy will continue to remain in-force, even if your total investment value becomes zero, so long as premiums are paid consistently and no withdrawal is made within the first 3 policy years

Additional 1% sum assured each year

An additional 1% of your basic sum assured will be provided to you upon every completed policy year, should death or TPD occur, up to a maximum of 30% .

Boosted protection with optional riders

You can enjoy further peace of mind by attaching riders to your Smart Protect Essential plan.