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Generali Life Insurance
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Omni AG
The future is unpredictable. No one knows what it holds for us. It's important to stay prepared and protected for any unforeseen circumstances, especially if you have children, dependents or own assets.
Generali eLife Protector+ safeguards you and your loved ones from unexpected events and protects their financial future. It provides insurance coverage and financial protection from RM25,000 and up to RM500,000 in the event of Death, Accidental Death, and Total Permanent Disability (TPD).
Sign up for eLife Protector+ from as low as RM2.64/day*.
*Terms and Conditions apply
i-MULA 50 Starter Pack Insurance Fund Programme
Sign up for eLife Protector+ today and receive a RM50 Touch ‘n Go e-Wallet credit reward!
Programme Period: Until the fund is fully redeemed.
Terms and Conditions apply, read here.
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.
An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.
In the event of Death or TPD (before age 70), we shall pay you the higher of:
a. Basic Sum Insured less withdrawals, or
b. Account Value (if any)
100% of the death benefit will be payable if you are diagnosed with terminal illness.
This product is auto-renewed yearly until the age of 75 years, provided that premiums are paid on time.
Upon maturity of the policy, we shall pay you the higher of:
a. Basic Sum Insured less withdrawals, or
b. Account Value (if any)
If Death or TPD due to accidental causes occurs before age 70, we shall pay you the following in addition to the Death or TPD benefit respectively:
a. If Accidental Death or TPD, 100% of sum insured will be payable.
b. If Accidental Death in or on Public Conveyance of Land Transportation, 200% of sum insured will be payable.
c. If Accidental Death in or on Public Conveyance of Water or Air Transportation, 300% of sum insured will be payable.
d. If Accidental Death in or on Public Conveyance during Public Holiday, 400% of sum insured will be payable.
Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.
An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.
This product is auto-renewed yearly until the age of 75 years, provided that premiums are paid on time.
Upon death, or Total Permanent Disability (TPD) prior to age 70, a lump sum payment up to RM500,000 will be payable to you or your loved ones.
An additional 100% of Sum Insured will be payable in the event of death due to accident, subject to a maximum of RM2,000,000 per life.
Choose a pay-out amount starting from RM25,000 to RM500,000.
Just answer 4 simple questions. No medical examinations required!
Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited to your account value.
Every 15th policy anniversary, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
At the end of initial coverage term, an additional 10% of the average monthly account value over the last 10 years will be credited to your account value.
With sum insured of RM 1,000,000 and above, subject to no claim made on your basic plan, you will enjoy 5% discount on insurance charge.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your Account Value (if any).
Every 2 policy years starting from 6th policy anniversary onwards, an additional 0.5% of the average monthly account value over the last 2 years will be credited to your account value.
On 20th policy anniversary, an additional 20% of the average monthly account value over the last 10 years will be credited to your account value. The maximum amount payable is 20% of basic sum insured.
Your policy is guaranteed to be renewed up to age 100 at your option and without underwriting.
Every 2 policy years starting from the end of the 6th policy anniversary onwards, an additional 0.38% of the average monthly account value over the last 2 years will be credited to your account value.
An additional percentage of the average monthly account value over the last 10 years prior to the payment of Special Booster will be credited to your account value at the end of every 10th policy anniversary.
Upon maturity of the policy, you will receive a lump sum payment that is equivalent to your account value (inclusive of Loyalty Bonus (if any) and Special Booster (if any)).
Multiple premium term options of 2 or 4 years, and coverage term of 15, 20 and 30 years, to suit your financial goals planning.
Start and end your financial commitment early so that you can enjoy life now! Aspire Invest requires 5 years premium payment term only and you can harvest your investment returns after 15, 20 or 30 years.
Protect you and your family against any unforeseen circumstances that might happen to you such as death or TPD before age 70.
In the event of an accident that causes death or TPD before age 70, we will pay an additional 100% of the total premium paid, and subject to RM 2,000,000 per life.
Receive additional non-guaranteed cash dividends that is projected to be payable from the end of the 2nd policy year.
Enjoy the flexibility to invest your guaranteed annual income and non-guaranteed cash dividends into our professionally managed investment funds to enhance your returns.
Receive lump sum payment of basic sum insured, non-guaranteed terminal dividend (if any), accumulated annual income (if any) and accumulated non-guaranteed cash dividends (if any) at maturity.
Enjoy the flexibility to invest your guaranteed cash endowments and non-guaranteed cash dividends into 4 choices of professionally managed funds.
Upon maturity, you will receive the lump sum payment of basic sum insured as well as non-guaranteed terminal dividend, accumulated cash endowment, and accumulated non-guaranteed cash dividends (if any).
You can enhance your protection by combining PaySaver+ with Payor Benefit Add-ons, Waiver of Premium Add-ons or Spouse Payor Benefit Add-ons to enhance your protection. While additional premiums are required for supplementary protection, your premiums will be waived should an unexpected event happen to you.
1. Death due to suicide within 1 year from the Issued Date.
2. TPD due to suicide, attempted suicide or self-inflicted injuries, while sane or insane.
3. Death due to accidental causes which has resulted from any pre-existing, or recurring, injury or disablement which the Insured suffered prior to Issue Date.
For the full list of exclusions, kindly refer to our fact sheet, available for download below.
1. You are aged below 16 or above 55.
2. You work with heavy machinery/in high-risk occupations.
3. You are classified as ‘obese’ in BMI standards.
4. You are not a Malaysian citizen.
