Investment Plan
This high coverage investment-linked plan provides your family a financial safety net if the unexpected happens to you.
Coverage Period
Up to 70, 80 & 100 years old
Eligible Age
14 days - 70 years old
Lifestyle protection for your family
Provides your family with a lump sum payment if you pass away or suffer from total and permanent disability (TPD). The payout may increase up to 600% of your coverage amount, depending on the circumstances.
Wealth Rewards
Be rewarded with up to 5% of the coverage amount at age 65 and every 10 years subsequently until maturity, if no withdrawals are made and premiums are up to date.
Life-stage Celebration
Allows you to withdraw up to 10% of your account value for certain life-stage events, and still be entitled for Wealth Rewards and Wealth Booster.
No medical check-up required
Get covered for up to RM4 million without having to go for a medical checkup.
Note: Depending on your age and health condition.
Vitality Wealth Booster
As an AlA Vitality member, you can enjoy additional account value when your policy matures or terminates due to death, TPD or critical illnesses, without having to pay any additional
How to apply
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Step 1
Choose your coverage amount (> RM350,000)
Step 4
Choose option benefits like critical illness, waiver, spouse waiver
Step 2
Choose your coverage term
Step 5
Become an vitality member and enjoy vitality wealth booster
Step 3
choose your premium payment term
Enhance Your Protection
This optional benefit provides you with additional coverage for 45 critical illnesses. You are also entitled to enjoy Personal Medical Case Management (PMCM) service, that focuses on ensuring that you receive advice on the best possible treatments and personalised ongoing support throughout your medical journey when you are facing serious medical conditions.
Ensure continuous premium payment if you are diagnosed with any one of the 44 covered critical illnesses or undergo a covered surgery.
Ensure continuous premium payment if your spouse passes away, suffers from TPD1 or is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery
Ensure continuous premium payment if the Insured’s parent passes away, suffers from TPD1 or is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery
You can get covered for up to RM4 million without having to go for a medical checkup.
Frequently Asked Questions
A-Life Wealth Builder is a regular premium Investment-Linked Insurance Plan (ILIP) which covers death, and Total and Permanent Disability (TPD). It offers high protection with a minimum coverage amount of RM350,000. You may choose from various premium payments and coverage terms that suit your needs. This plan gives you the flexibility of early withdrawal of account value or top-up your investment amount based on your needs. In addition, you can also enjoy enhanced protection by opting for the various optional benefits at an additional cost.
A-Life Wealth Builder is available for individuals aged between 14 days to 70 years old.
This plan provides coverage term options of up to age 70, 80 or 100.
Yes, the premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
Death Benefit
• This plan does not cover death due to suicide within 1 year from the Issue Date or Commencement Date of the policy, whichever is later.
TPD Benefit
• Willful exposure to danger or self-inflicted act while sane or insane;
• Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
• Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs;
• Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Insured is a fare paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; and
• Pre-existing disability resulting from a physical or mental condition. Accidental Death Benefit (inclusive of Public Conveyance and Natural Disaster)
• Willful exposure to danger or self-inflicted act while sane or insane;
• Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
• Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs;
• Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.