Ezy-Secure is a term insurance plan that pays the amount of sum insured in the event of death or Total and Permanent Disability (TPD) of the life insured. Please refer to the Product Disclosure Sheet or Sales Illustration on detailed exclusions, terms and conditions of the death and TPD benefits.

This product is suitable for adults who are looking for a basic and simple protection plan, for the purpose of maintaining the family life style upon death or TPD. Unlike those savings plans with cash payout or maturity benefit, Ezy-Secure provides a higher cover with an affordable premium rate.

This is a flexible plan in which you can opt for a minimum sum insured of RM100,000 or any amount higher by every RM10,000, up to a limit allowed by us. You can opt to be covered from a minimum of 5 years, up to 80 years old (age next birthday).

Yes you can sign up for more than one policy. However, the total sum insured of all of your policies for this product must not be more than the limit allowed by us.

Change of sum insured is not allowed after the policy has commenced. However, you may apply for additional policies to enjoy higher sum insured, subject to the limit of total sum insured allowed by us and other applicable terms and conditions.

No medical examination is required. Your application will either be accepted or rejected based on our pre-determined requirements.

You are charged a certain amount for every RM1,000 sum insured subject to your age, smoker status and the policy term chosen at the time of application. The premium indicated is based on your attained age (age next birthday) at the commencement date. The premium will increase on the 1^st day of the next policy year, in accordance to your attained age. Premium rates are not guaranteed and we reserve the right to revise the premium rate by giving three (3) months prior notice.

There is a grace period of 31 days from the premium due date given to you to pay the premium. You are still covered within the grace period. If the premium due is not paid within the grace period, your policy may lapse and you will not be entitled for the benefits shall the covered event (death or TPD) occurs.

You may cancel your policy with a written instruction to us within 15 days after the policy has been received by you. We will then refund the premium received to you. However, if you surrender the policy after the 15 days, you will not be getting any surrender value.

We can be contacted via email at info@etiqa.com.my or call Etiqa Oneline at 1-300-13-8888.