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Legacy of Love

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For Your Legacy Plan

 

Ensure your legacy of love lives on for your loved ones. With an RHB

Life Protection Plan, you can protect the interests of those closest to

you with estate planning and asset transfers, complete with

protection plan if anything unexpected happens to you. This way, you

can secure the future of your loved ones and peace of mind, not just

for them but for yourself as well.

 


 

There is something for you in there

 

Kickstart your protection with any of the following plans.

RHB Treasure FlexiWealth

  • This is a limited 3 pay regular premium investment-linked plan that gives you life insurance protection and the opportunity to maximize potential long-term returns.
  • Loyalty Bonus of 100% of BSA.
  • Additional Spouse Accidental Death and TPD Coverage.
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RHB Treasure 100

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 secured a guaranteed stream of income for yourself or your loved ones up to age 100.
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RHB Treasure 100 Premier

treasure 100p
  • 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 the fullest.
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RHB Essential PrimeLink Plus Premier

prime 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 Essential Protect

  • 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 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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RHB Treasure FlexiWealth

RHB Treasure FlexiWealth build your new pathway to a complete wealth accumulation and distribution solution.

With just 3 years premium payment, you can enjoy a coverage up to age 100 years old and diversify your wealth while preserving legacy.

  • This is a limited pay regular premium investment-linked plan that gives you life insurance protection and the opportunity to maximize potential long-term returns.
  • Short premium term of 3 years only.
  • Death & Total Permanent Disability (TPD) 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.
  • Loyalty Bonus of 100% of BSA.
  • Optional waiver of premium riders is attachable to enhance the policy coverage.
  • Hassle free application without medical examination.
  • Potential investment gains from Tokio Marine Investment-Linked Fund which managed by professional investment expert.
  • Regular Top-Up to boost investment value.

 

 

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 3 years
Policy Term Cover up to Age 100
Minimum Basic Sum Assured (RM) RM30,000
Maximum Basic Sum Assured (RM) RM500,000 per life

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

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.

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


  • Payor Premium Waiver Rider
  • Payor Term Cover Rider
  • Life Term Cover Rider
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% 

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

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.

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


  • Payor Premium Waiver Rider
  • Payor Term Cover Rider
  • Life Term Cover Rider
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% 

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

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.

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.

Entry Age Life Assured
Minimum age: 14 days old
Maximum Age: 65 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

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
^ PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

* The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

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
  • 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.

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

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
^ PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

* The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

RHB Essential Protect

This is 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

 

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.
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

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

RHB Essential Protect Premier

This is 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

 

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.
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

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

For the legacy you're planning,
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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.


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