Service Guideline: Life is a series of uncertainties. Although you plan ahead your every step precisely, you will always need a backup plan to ensure the success of your dream because you have no idea what lies ahead. Subscribe to life protection insurance with us to give you peace of mind about the unknown future. Not sure how to purchase the insurance? You have come to the right place and at the right time. At YCT Services & Trading, we also provide consultation services to assist you with queries about life protection insurance to ensure you only pick the best one for you.
Features:
Service Location: YCT Services & Trading provides a broad option of insurance plans that offers coverage from many angles. As a trusted agent of Allianz Insurance, we have friendly and professional staff to explain life, health, and savings insurance—particularly centralizing on Life Protection Insurance. We serve clients in Kuala Lumpur, Malaysia. If you are hesitant about subscribing to the ideal insurance plan for your loved ones, please get in touch with us for guidance, as we have experts in the said field.
This package under life protection insurance is the most affordable insurance offering death coverage of RM10000 or RM20000—depending on the subscription plan. The starting price is RM38, with an additional charge for intercessor commission at a maximum of 10% of your insurance package. This accessible death coverage insurance will be paid in a lump sum should untimely death approach the person insured until a maximum of 70 years old nearest birthday. You can claim immediately by contacting the intermediary or Allianz directly to help you get through the days again by the lump sum payment to the family members—funds to pay for the insured's funeral, reduce family burden, pay outstanding billings, and children's education. However, this package will exclude death by suicide in the first 12 months after the subscription. Therefore, only the paid amount will be refunded as the policy has become void.
Specifications:
- Death coverage until 70 years old
- Affordable package
- Two packages available: RM10000 and RM20000
When we say Allianz provides a comprehensive, all-in-one life protection insurance package, it refers to Allianz UltimateLink. Some exciting features of UltimateLink that make it the best life protection insurance are the mix-and-match optional benefits—investment and protection all in one plan. Furthermore, you can cover yourself from unexpected future or, better yet, subscribe for your whole family up to your 100th birthday. Apart from customizing your insurance plan, you and your loved ones insured will be covered in death events and TPD—Total and Permanent Disability—financially. However, Allianz UltimateLink's benefits are beyond what is stated above. A comprehensive and detailed explanation of this life protection insurance can be found by contacting our agent.
Specifications:
- Insurance protection until 100 years old
- Customizable insurance plan
- All-in-one insurance package that covers protection and investment
- Covering death events and TPD financially
Family love knows no bounds—this mindset has helped Allianz form the best life protection insurance to get your loved ones and yourself covered at all times, even when you can no longer guarantee safety. This life protection insurance is the only package on the market to combine inexpensive coverage for medical (critical illness—cancer, heart attack, brain surgery, blindness, third-degree burns, and more), death and TPD, and relief benefit with high protection. For instance, its death benefits are a reasonable plan with about three times the coverage. Although it covers a wide range of life aspects, this insurance plan actually comes in flexible payment and coverage terms to match your budget. In addition, this package allows you to withdraw partially from your investment account in emergencies. For a complete list of critical injuries or diseases covered, contact our reliable agents.
Specifications:
- Offer high protection for death, TPD, critical illness relief benefit in one plan
- Affordable and flexible payment
- 3x benefits coverage for death
This online-exclusive life protection insurance covers your family in trying times—death and permanent disability—at a reasonable rate for 10 years without the means of savings or investment elements. Upon any adversity, you can receive up to RM500000 maximum lump sum benefit. If you opt for Plan 200 and Plan 300, you will receive RM200000 and RM300000, respectively. For your information, this plan is flexible because you can choose to pay monthly or annually per your financial ability. However, this life protection insurance has no inclusion to death from suicide within the first 12 months, as all amounts paid will be refunded with no additional interest.
Specifications:
- 10 years insurance plan for death and TPD
- Flexible payment monthly or annually
- Trouble-free enrolment
- Guaranteed lump sum coverage at a maximum of RM500000
Unlike most life protection insurance with fixed coverage and years of protection, Power Shield enables the insured to choose the coverage terms and protection to what extent. Moreover, it is affordable, ranging from 5 years term until age 80. If you are interested in changing your plan into a permanent one, you can straightaway do it without additional screening.
Specifications:
- Inexpensive life protection insurance package
- Flexible coverage term
- From 5 years term until a maximum of 80 years old
- Change to permanent plan without additional screening
To ensure people with disabilities can provide sustenance to their dependents at lower risk, Allianz Ability Life is designed to increase financial safety for disabled people and their loved ones. Should any misfortune happens—except suicide consciously or without sanity—the insured will be paid in a lump sum of RM25000 or RM50000 according to the policy term. To further ease the disabled people's burden, the premium begins at as low as RM50 annually. With the auto-renewal attribute of this insurance plan, you do not have to worry about medical assessment for as long as you do not surpass 70 years of age. To qualify for the package, you must present your OKU card upon registration as early as 16 or a maximum entry at 60 years old.
Specifications:
- Affordable premium starting from RM50 for insured amount of RM25000
- Lump sum insured amount
- Auto-renewal until 69 years old
- Eligible for OKU card holder
- Entry age minimum of 16 or maximum of 60 years old
Living up to its name, Allianz Legacy Plus is a life protection plan for you to leave behind your wealth and accomplishments to guarantee a brighter future for your heir. Be it the market is at the stake of volatility, stay covered because it will not reflect in your finances so long you pay the latest premiums. Once your policy has hit maturity, you will receive the benefit together with your family up to 145% of the insured amount. In addition, if this life protection insurance plan insures you, you may receive up to RM4 million without medical assessment—subject to screening before receiving the benefit. In short, this protection plan can help you flourish your opulence for future generations.
Specifications:
- Avoid inflation by increasing insured amount
- Flourish opulence for your legacy
- Guaranteed maturity benefits
- Receive up to RM4 million benefit without medical check-up
Life insurance offers financial security to individual and their families in the case of the insured person's demise. Usually, the beneficiaries will receive the death benefit in a lump sum payment or regular income. The importance of life insurance is as follows: it provides financial security, compensates for lost income, settles outstanding debts, and meets the long-term needs of dependents.
If you know little about life protection plans, some guidelines stated here will enlighten you. There are four primary aspects that the policyholder usually scans through: types of life protection insurance, the purpose of the insurance, premiums and policy features, and the underwriting process. The term for life insurance could vary from 10 years period, whole life, universal life, or variable life protection insurance that caters to several different purposes ranging from debt coverage, education funding, funeral expenses, and more. In addition, the policyholder will pick the premium which fits their budget. Lastly, a complicated underwriting process to apply for life insurance coverage may impede the policyholder from choosing a plan with underwriting and medical examinations. If you are not sure which life protection insurance is the right one for you, feel free to inquire with us. We will assign an experienced staff to help answer your curiosity.
- Benefits will be paid in a lump sum to the beneficiary
- Experienced staff to aid in purchasing the best insurance for you
- Seven life insurance options catering to a death benefit, TPD, flourish opulence, OKU card holder, and more
- Affordable life, health, and savings insurance under Allianz
- Comprehensive life protection insurance package available
- Insurance intermediary in Kuala Lumpur, Malaysia
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