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Benefits & Privileges

Enrolment Protection and Maturity Guaranteed Benefits
Protection and Maturity
Guaranteed Benefits


  • Entry age: Based on the age of your last birthday basis
  • Entry age limit for life assured: Based on premium payment term chosen
  • Entry age limit for policy owner: Minimum age is 18 years old
Premium Payment Term Minimum Entry Age
(Life Assured)
Maximum Entry Age
(Life Assured)
5 years 30 days old 60 years old
10 years 30 days old 60 years old
Up to age 60 30 days old 50 years old


1 Depending on the age and health condition of the life assured.


2 TPD coverage will expire at the policy monthly anniversary following the life assured’s attainment of age 70.


3 As long as all premiums due have been paid and the policy is in force, the health check-up allowance and loyalty bonus benefit are guaranteed and payable from the universal account, regardless of the universal account value.


4 You are given a grace period of 30 days from the premium due date of each subsequent premium. If the premium is not paid within the 30 days of grace period from the premium due date and if the policy has acquired sufficient cash value, the policy will continue to be in force under automatic premium loan condition. The coverage will remain in force until the cash value is insufficient to pay for the premium due. The policy will then lapse.

Important Notes

This product is underwritten by Sun Life Malaysia Assurance Berhad Registration No. 199001005930 (197499-U) (“Sun Life Malaysia”), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013 

Sun Life Malaysia is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by Sun Life Malaysia are protected against loss of part or all of the insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of the coverage, please visit the PIDM website ( or call the PIDM toll free line at 1-800-88-1266. 


The description of the features and benefits of the insurance product herein is not a contract of insurance and is only a brief summary of the insurance product for quick and easy reference. The complete terms and conditions of the insurance product are contained in the Policy Document of Sun Life Malaysia Assurance Berhad Registration No. 199001005930 (197499-U), the Insurer. 

CIMB Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this insurance product and the services provided by the Insurer. 

The Bank merely acts as a distributor for this insurance product. 

This insurance product is Sun Life Malaysia's product and not a product of the Bank. Therefore this insurance product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Insurer shall undertake the full insurance responsibilities, obligations and liabilities in respect of this insurance product.


Terms and Conditions apply.