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Kickstart your protection with any of the following plans.

RHB Treasure Supreme

RHB Treasure Supreme
  • Short premium term of 3 years only.
  • Guaranteed Acceptance up to RM 500,000 per life for all Bancassurance Guaranteed Acceptance Plans under Tokio Marine.
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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 Elite SaverPlus

RHB Essential Elite SaverPlus
  • This product offers savings and insurance protection for 30 years. It provides guaranteed cash payment every 2 years and full refund of total basic premium paid upon policy maturity, provided that the policy is still in force.
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RHB Alpha Future

RHB Alpha Future
  • An education plan that secures your child’s prospect for a brighter tomorrow. Enjoy short payment term of just 8 years to protect your child’s future of endless possibilities.
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RHB Essential FlexiLink Plus

RHB Essential FlexiLink Plus
  • The whole life investment-linked plan offers a combination of insurance protection and investment. With as little premium as RM1,200 per year, the Life Assured can have a comprehensive insurance solutions for peace of mind and financial security.
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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

aSource: Expertmarket.co.uk



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 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 Essential Elite SaverPlus

It’s an ideal savings plan that offers coverage in the event of untoward incidents with solid financial protection for your family.

  • Guaranteed Cash Payments (GCP)
  • Death & Total Permanent Disability (TPD) Benefits:
    Up to 200% of Basic Sum Assured from 3rd policy year and above
  • Accidental Death & TPD Benefits:
    Up to 400% of Basic Sum Assured from 3rd policy year and above
  • Guaranteed Maturity Benefit
  • Guaranteed Acceptance for Basic Plan only

Optional Benefits
  • Payor Waiver of Premium Rider
  • Personal Accident Rider
Additional Information
Premium Payment Term 10 or 20 years
Policy Term 20 or 30 years
Sum Assured RM250,000 per life max
Product Disclosure Sheet
Product Brochure

RHB Alpha Future

Introducing RHB Alpha Future. An innovative solution that caters to your child’s future with protection, savings, and investment elements. This plan aims to give a great head start, not just for your child’s education but also to help fulfil their dreams.

  • Short payment term
  • Build a solid financial foundation to pursue your child’s dreams
  • Securing your child against unfortunate events
  • Periodic payment to launch your child’s dreams

Optional Benefits
  • Additional fund to further secure your child’s future
    This plan provides flexibility for better financing planning as you can boost your child’s dream fund via regular top-up option into your preferred investment-linked fund(s).
  • Peace of mind in ensuring your child’s future is intact
    Payor Benefit Rider waives all future premiums of the policy in the event the Policy Owner dies, suffers from TPD or is diagnosed with any of the Critical Illnesses covered under this rider to ensure your child’s dream fund will continue to grow until it reaches maturity.
    Payor Shield Rider pays a lump sum of the rider sum assured in the event the Policy Owner dies or suffers from TPD during the coverage term of this plan to ensure additional fund for your child and family when they need it most.
  • Eligibility to tax benefit
    Enjoy tax benefit under the applicable tax section while building up the dream fund to support your child’s future.
Additional Information
Premium Payment Term 8 Years
Sum Assured Minimum sum assured: RM 40,000
Maximum sum assured: No limit, but subject to underwriting
Product Disclosure Sheet
Product Brochure

RHB Essential FlexiLink Plus

This is a regular premium investment-linked plan that is comprehensive and customizable with a variety of benefits to suit your different life stages.

  • Provides coverage in the event of Death and Total and Permanent Disability (TPD)
  • Extensive optional benefits including medical and hospitalization benefits, critical illness benefits and more
  • Unit-Linked Investments Opportunity to enjoy potential market return – managed by professional investment experts
  • Flexibility to adjust your sum assured and premium amount
  • Regular or Single Premium top-ups to boost your wealth accumulation

Optional Benefits
Optional Benefits ie Rider
  • iHealthCare
  • iComprehensive Critical Illness
  • iAdvanced Critical Illness Income
  • iHealth Income
  • iLife Waiver Plus
  • iPayor Waiver
Additional Information
Entry Age 30 days old to 70 years old (next birthday)
Maximum Coverage Age 90 years old (next birthday)
Minimum Premium (RM) RM1,200 annually
Maximum Premium (RM) No limit, subject to underwriting
Minimum Sum Assured (RM) RM12,000
Maximum Sum Assured (RM) No limit, subject to underwriting and sufficiency of the Fund Value
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

RHB Treasure Supreme

You love and treasure your family. Your wish is to spend every precious moment with them without worries. Although life can be unpredictable, the journey can still be amazing by growing and preserving your wealth for a secure future.

Introducing RHB Treasure Supreme, an innovative solution for financial security with short-term commitment that safeguards what matters to you. Create your legacy of love now, so you can enjoy and cherish every moment in life.

  • This a limited 3 pay regular premium non-participating plan that gives you life insurance protection and the opportunity to maximize potential returns from investment-linked funds.
  • Short premium term of 3 years only.
  • Death, Total Permanent Disability (TPD) coverage & Accidental Total Permanent Disability (ATPD)
  • Additional Accidental Death and TPD coverage up to 300% of Basic Sum Assured (BSA)
  • Guaranteed Cash Payment (GCP) and Guaranteed Cash Payment Booster (GCPB) of up to 380%
  • Funeral Expenses amounting to 25% of the Annual Premium of Regular top-up from year 3 onwards.
  • Guaranteed Acceptance up to RM 500,000 per life for all Bancassurance Guaranteed Acceptance Plans under Tokio Marine.
  • Potential investment gains from Tokio Marine Investment-Linked Fund.
  • Optional Regular Top-Up to boost investment value.

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 3 years
Policy Term 15 years or 20 years
Minimum Basic Sum Assured (RM) RM30,000
Maximum Basic Sum Assured (RM) RM 500,000, subject to maximum Sum Assured of RM 500,000 per life.
Product Disclosure Sheet
Product Brochure