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Benefits & Privileges

Easy Enrolment Protection Guaranteed Benefits
Easy Enrolment
Guaranteed Benefits


  • Entry age: Based on the age of your last birthday basis
  • Entry age for life assured as follows:
Entry Age 5 Pay 15 Term* 8 Pay 20 Term**
Minimum 30 days old 30 days old
Maximum 70 years old 65 years old


* 5 years of premium payment term and 15 years of policy term coverage

** 8 years of premium payment term and 20 years of policy term coverage.


For the policy owner, the minimum entry age is 18 years old.


1 Not applicable for foreigner application, whereby underwriting may be applicable.


2 Please note that in the event that the life assured dies or suffers TPD due to natural causes within the first 24 months from the policy commencement date, the higher of 100% of the total basic premium4 paid (including top-up premiums) less the guaranteed survival benefit payout or 100% of the value of the universal account, plus the value of the accumulation account (if any) and total rider premium4 paid (if attached Term Life Rider), less any indebtedness, will be payable instead.


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


4 The refund of total basic premium and rider premium (if attached Term Life Rider) paid is without interest and excluding service tax (if any).


5 Amount varies depending on the plan chosen.


6 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.

Enjoy total peace of mind with CIMB 0% Easy Pay

Purchase/Participate in Bancassurance/Bancatakaful participating products with your CIMB Credit Card and pay in instalments with our 12-Month 0% Easy Pay. Valid from 1 August - 31 December 2021. *Terms and Conditions apply.

fmco slm

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.