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Kickstart your protection with any of the following plans.

RHB Treasure 100

  • RHB Treasure 100 is here to help you to enhance your wealth preserving strategy for you and generations to have a comfortable and financially independent life in the future.
  • With a short premium term of 5 or 10 years, you can now secure a guaranteed stream of income for yourself or your loved ones up to age 100.
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RHB Treasure 100 Premier

  • Your family’s legacy is what you care about the most. Preserving your wealth and ensuring a sustainable family legacy has always been the most important part in your financial planning.
  • With a short commitment of 5 or 10 years, this gives you and your loved ones the assurance of guaranteed stream of income throughout lifetime up to age 100.
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RHB Treasure Builder

  • RHB Treasure Builder is here to help you build up your financial wealth for a secured future.
  • With a short commitment of 5 or 8 years, RHB Treasure builder empowers you to achieve your goals while living life to its fullest.
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RHB Essential PrimeLink Plus Premier

RHB Essential PrimeLink Plus Premier
  • The Investment-Linked Insurance Policy (ILP) offers a combination of insurance protection and investment. Upon Death or Total and Permanent Disability (TPD) of the Life Assured during the coverage term, a lump sum benefit of up to RM500,000 will be payable.
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RHB Prime VantageLife Plus

RHB Prime VantageLife Plus
  • A limited-pay regular premium Investment-Linked Insurance Policy (ILP) that offers high life insurance protection of minimum Sum Assured of RM500,000 and annual guaranteed cash payments. Upon death or Total and Permanent Disability (TPD) of the life assured due to an accident, lump sum of Investment Fund Value (IFV) and 100% of Basic Sum Assured will be payable as additional benefit.
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RHB Essential Protect

RHB Prime VantageLife Plus
  • RHB Essential Protect is here to safeguard your legacy and create a lasting impact for those you love.
  • With a short commitment of 5 or 10 years, RHB Essential Protect empowers you to preserve your legacy so your loved ones can maintain the same lifestyle without worries should anything happen to you.
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RHB Essential Protect Premier

RHB Prime VantageLife Plus
  • RHB Essential Protect Premier is here to safeguard your legacy and create a lasting impact for those you love.
  • With a short commitment of 5 or 10 years, RHB Essential Protect Premier empowers you to preserve your legacy so your loved ones can maintain the same lifestyle without worries should anything happen to you.
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Bancassurance Service Guide

Disclaimer: The information contained herein are strictly meant to be as general information and reference for the campaign promotion only. It does not constitute as a contract of insurance. For further details on the benefits, exclusion and terms and conditions of the product, please refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet (PDS) and policy contract. Underwritten by Tokio Marine Life Insurance Malaysia Berhad, RHB Bank is merely acting as a distributor. Investment-linked Plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.

RHB Treasure 100

This a limited pay non-participating whole life plan which aims to offer long term guaranteed benefits to suit your retirement needs and creation of legacy across generations.

  • Short premium term of 5 or 10 years only.
  • Whole life coverage up to 100 years old of Life Assured.
  • Offers step-up Guaranteed Cash Payment from end of Policy Year 1 to 100 years old of Life Assured.
  • Additional 100% of Basic Sum Assured payable upon Life Assured’s death or TPD (prior to age 70) due to accident.
  • Upon the Life Assured’s TPD from Policy Year 3 onwards, next premium due (if any) following the event date will be waived and Guaranteed Cash Payment continue to be payable.
  • Hassle-free applicable process with guaranteed acceptance for basic plan.
  • Optional riders are attachable to enhance the policy coverage.
Optional Benefits

This policy offers 3 optional riders to enhance the policy coverage:

  • Payor Premium Waiver Rider
  • Payor Term Cover Rider
  • Life Term Cover Rider
Product Information
Entry Age Life Assured
Minimum age: 14 days old
Maximum age: 60 years old (next birthday)

Policy owner:
Minimum age: 17 years old (next birthday)
Coverage Term Basic Plan:
Up to Life Assured’s 100 years old (next birthday)

Payor Premium Waiver Rider:
5 or 10 years (follow premium payment term)

Payor Term Cover Rider:
10, 20 or 30 years

Life Term Cover Rider:
10, 20, 30 years or up to 100 years old (next birthday)


Guaranteed Cash Payment (GCP)

Premium Payment Term End of Policy Year GCP Rate (% of Sum Assured)
5-pay 1 to 5 5%
6 to 15 10%
16 & above 15%
10-pay 1 to 10 10%
11 to 20 20%
21 & above 30%
Product Disclosure Sheet
Product Brochure

RHB Treasure 100 Premier

This a limited pay non-participating whole life plan which aims to offer long term guaranteed benefits to suit your retirement needs and creation of legacy across generations.

  • Short premium term of 5 or 10 years only.
  • Whole life coverage up to 100 years old of Life Assured.
  • Offers step-up Guaranteed Cash Payment from end of Policy Year 1 to 100 years old of Life Assured.
  • Additional 100% of Basic Sum Assured payable upon Life Assured’s death or TPD (prior to age 70) due to accident.
  • Upon the Life Assured’s TPD from Policy Year 3 onwards, next premium due (if any) following the event date will be waived and Guaranteed Cash Payment continue to be payable.
  • Hassle-free applicable process with guaranteed acceptance for basic plan.
  • Optional riders are attachable to enhance the policy coverage.
Optional Benefits

This policy offers 3 optional riders to enhance the policy coverage:

  • Payor Premium Waiver Rider
  • Payor Term Cover Rider
  • Life Term Cover Rider
Product Information
Entry Age Life Assured
Minimum age: 14 days old
Maximum age: 60 years old (next birthday)

Policy owner:
Minimum age: 17 years old (next birthday)
Coverage Term Basic Plan:
Up to Life Assured’s 100 years old (next birthday)

Payor Premium Waiver Rider:
5 or 10 years (follow premium payment term)

Payor Term Cover Rider:
10, 20 or 30 years

Life Term Cover Rider:
10, 20, 30 years or up to 100 years old (next birthday)


Guaranteed Cash Payment (GCP)

Premium Payment Term End of Policy Year GCP Rate (% of Sum Assured)
5-pay 1 to 5 7%
6 to 15 12%
16 & above 17%
10-pay 1 to 10 12%
11 to 20 22%
21 & above 32%
Product Disclosure Sheet
Product Brochure

RHB Treasure Builder

This a limited pay regular premium investment-linked plan that gives you life insurance protection and the opportunity to maximize potential medium to long-term returns.

  • Short premium term of 5 or 8 years only.
  • Death & Total Permanent Disability (TPD) coverage.
  • Packaged with Income Builder which provides:
    • - Step-Up Guaranteed Cash Payment (GCP) and GCP Booster
    • - Extra Accidental Coverage up to 200% of Total Sum Assured
    • - Extra Spouse Accidental Coverage up to 100% of Total Sum Assured
  • Hassle free application without medical examination.
  • Optional waiver of premium riders are attachable to enhance the policy coverage.
  • Potential investment gains from Tokio Marine Investment-Linked Fund which managed by professional investment expert
  • Regular Top-Up to boost investment value
Optional Benefits

This policy offers 2 optional riders to enhance the policy coverage:

  • iLife Waiver 2.0
  • iPayor Waiver 2.0

*Subject to underwriting and underwriter reserves the right to reject the coverage in writing.

Product Information
Entry Age Life Assured
Minimum age: 14 days old
Maximum Age: 70 years old (next birthday)

Policy owner:
Minimum entry age of Policy Owner shall be at least 17 years old next birthday.
Premium Payment Term 5 or 8 years
Policy Term 20 or 25 years
Min Basic Sum Assured RM1,800
Min Income Builder Rider Sum Assured 5 Pay: 7 times of basic sum assured

8 Pay: 4 times of basic sum assured


Product Disclosure Sheet
Product Brochure

RHB Essential PrimeLink Plus

This is a premium investment-linked plan that gives you the best of both worlds – life insurance protection and the opportunity to maximise potential medium to long-term returns.

  • Guaranteed Cash Payments (GCP) by adding Income Plus Rider
  • Death & Total Permanent Disability (TPD) Benefits
  • Maturity Benefit
  • Guaranteed Insurability upon Maturity
  • Guaranteed In Force throughout Policy Term
  • Investments in TokioMarine - Managed Fund by professional investment experts
  • Regular Top-Up to boost investment value

Optional Benefits
  • Income Plus Rider
  • Saver Plus Rider
  • IL Waiver of Premium on Dread Disease Rider*
  • iPayor Waiver*
*Subject to underwriting and underwriter reserves the right to reject the coverage in writing.
Additional Information
Premium Payment Term 5 or 10 years
Policy Term 20 or 30 years
Minimum Sum Assured (RM) RM50,000
Maximum Sum Assured (RM) RM300,000
- age 30 days – age 60
RM100,000
- age 61 – age 70
Product Disclosure Sheet
Product Brochure

RHB Essential PrimeLink Plus Premier

This is a premium investment-linked plan that gives you the best of both worlds – life insurance protection and the opportunity to maximise potential medium to long-term returns.

  • Guaranteed Cash Payments (GCP) by adding Income Plus Rider
  • Death & Total Permanent Disability (TPD) Benefits
  • Maturity Benefit
  • Guaranteed Insurability upon Maturity
  • Guaranteed In Force throughout Policy Term
  • Investments in TokioMarine - Managed Fund by professional investment experts
  • Regular Top-Up to boost investment value

Optional Benefits
  • Income Plus Enhancer Rider
  • Saver Plus Enhancer Rider
  • IL Waiver of Premium on Dread Disease Rider*
  • iPayor Waiver*
*Subject to underwriting and underwriter reserves the right to reject the coverage in writing.
Additional Information
Premium Payment Term 5 or 10 years
Policy Term 20 or 30 years
Minimum Sum Assured (RM) RM100,000
Maximum Sum Assured (RM) RM500,000 (Standard Life) & RM300,000 (Sub-Standard AND Severely Sub-Standard Life)
- age 30 days – age 60
RM200,000
- age 61 – age 70
Product Disclosure Sheet
Product Brochure

RHB Essential PrimeBuilder

This is a non-participating insurance plan which you only need to pay premium for the first 8 years to enjoy a guaranteed stream of income until the age of 88.

  • Guaranteed Cash Payment (GCP) until age 88, starting from end of 5th policy year
  • Death & Total Permanent Disability (TPD) Benefits: Higher of total unpaid GCP or Basic Sum Assured, plus any GCP accumulated in one lump sum
  • Accidental TPD Benefits: Additional 100% of total unpaid GCP
  • Guaranteed Maturity Benefit

Optional Benefits
  • Payor Waiver of Premium Rider
Additional Information
Premium Payment Term 8 years
Policy Term Till age 88
Sum Assured RM15,000 and above
Product Disclosure Sheet

RHB Prime VantageLife Plus

This is a premium investment-linked plan that gives you the best of both worlds – life insurance protection and the opportunity to maximise potential medium to long-term returns.

  • Hassle free enrolment
  • Additional 100% coverage in the event of accidental death or accidental TPD
  • Guarantee inforce benefit
  • Regular top-ups to boost your wealth accumulation
  • Maturity benefits
  • Investments in TokioMarine - Managed Fund by professional investment experts

Optional Benefits
  • Income Shield Rider
  • iPayor Waiver
  • iLife Waiver
Additional Information
Premium Payment Term 5 or 10 years
Policy Term 20 or 30 years
Minimum Sum Assured (RM) RM500,000
Maximum Sum Assured (RM) No limit, subject to underwriting
Product Disclosure Sheet
Product Brochure

RHB Essential Protect

This a limited pay, regular premium investment-linked plan that gives you life insurance protection and the opportunity to maximise potential medium to long-term returns.

  • Short premium term of 5 or 10 years only
  • Death, Total Permanent Disability (TPD) coverage and Senior Disability (SD) coverage
  • Additional Accidental Death and TPD coverage up to 200% of Basic Sum Assured (BSA)
  • Additional Spouse Accidental Death and TPD Coverage up to 10% of BSA
  • Lifestyle Rewards provides extra coverage up to 10% of the BSA
  • Loyalty Bonus up to 4% of BSA
  • Auto Extension Option provides flexibility to extend coverage up to age 100
  • Hassle-free application with high non-medical limit up to RM3.5mil
  • Potential investment gains from Tokio Marine Investment-Linked Fund which is managed by professional investment experts
  • Regular Top-Up to boost investment value

Optional Benefits
This policy offers 4 optional riders to enhance the policy coverage:
  • iLife Waiver 2.0
  • iPayor Waiver 2.0
  • Protect Boost Rider
  • iComprehensive Critical Illness Rider
Subject to underwriting and underwriter reserves the right to reject the coverage in writing.
Additional Information
Entry Age Min:
- 14 days
Max:
- 70 years old (next birthday)
Minimum entry age of Policy Owner shall be at least 17 years old next birthday.
Premium Payment Term 5 or 10 years
Policy Term 15 years, 20 years, covers up to age 70
Minimum Basic Sum Assured (RM) RM300,000
Maximum Basic Sum Assured (RM) No limit, subject to underwriting
Product Disclosure Sheet
Product Brochure

RHB Essential Protect Premier

This a limited pay, regular premium investment-linked plan that gives you life insurance protection and the opportunity to maximise potential medium to long-term returns.

  • Short premium term of 5 or 10 years only
  • Death, Total Permanent Disability (TPD) coverage and Senior Disability (SD) coverage
  • Additional Accidental Death and TPD coverage up to 300% of Basic Sum Assured (BSA)
  • Additional Spouse Accidental Death and TPD Coverage up to 20% of BSA
  • Lifestyle Rewards provides extra coverage up to 10% of the BSA
  • Loyalty Bonus up to 8% of BSA
  • Auto Extension Option provides flexibility to extend coverage up to age 100
  • Hassle-free application with high non-medical limit up to RM3.5mil
  • Potential investment gains from Tokio Marine Investment-Linked Fund which managed by professional investment expert
  • Regular Top-Up to boost investment value

Optional Benefits
This policy offers 4 optional riders to enhance the policy coverage:
  • iLife Waiver 2.0
  • iPayor Waiver 2.0
  • Protect Boost Rider
  • iComprehensive Critical Illness Rider
Subject to underwriting and underwriter reserves the right to reject the coverage in writing.
Additional Information
Entry Age Min:
- 14 days
Max:
- 70 years old (next birthday)
Minimum entry age of Policy Owner shall be at least 17 years old next birthday.
Premium Payment Term 5 or 10 years
Policy Term 15 years, 20 years, covers up to age 70 , cover up to age 100
Minimum Basic Sum Assured (RM) RM1,000,000
Maximum Basic Sum Assured (RM) No limit, subject to underwriting
Product Disclosure Sheet
Product Brochure