Term Insurance Comparison

It's simple to apply for Term Insurance online! If you aged 45 or below, you can now get up to RM400,000 cover without going through any medical examination.

Focus on protecting your family! If we compare Term Insurance to an Investment Linked Plan (ILP) that allows you to combine protection and investment, Term Insurance has a few clear benefits:

Term insurance has a level premium throughout the policy term, this means that the amount of premium you need to pay every year is guaranteed. ILPs however will charge for protection that increases with age. This makes the cost of protection cheap when you are young but much more expensive when you are older.
Term insurance is not subject to market volatility. For ILPs, because you are invested in the market, the value of your policy will fluctuate along with market performance. It is possible a combination of poor market performance and high cost of protection charges could wipe out the value of your policy and this could result in your policy being terminated. If this happens, you could lose all protection coverage.

The steps to apply for your term insurance policy on InsureDIY are simple:

5 easy steps to apply your term insurance

InsureDIY helps follow up with your policy application, walking through the underwriting process every step of the way, if any. We are here to service your policy for the entire policy term!

Find out more on term insurance

Or check out your non-medical limit* now

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*The maximum sum assured on a term policy for applicants who are not given a medical examination.

		Best Price Challenge		You can find only the best price competitive products on our platform. Want to keep an eye out on every popular policy? Register now to check out all the high ranked plans.

		Save Time		Buying directly on our website. One-stop shop. Key in once for multiple quotes, no more re-keying your information at multiple insurers' websites.

		Get the Best Cover		Curated from thousands of term insurance products to 5 - 6 best products. Compare the plans side-by-side to buy the one that best suits you. As a PIBA licensed provider, we work directly with the insurers to bring you the same quality products that you can find on their own websites.

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Level Term

Value Pac

A-Life Protect Term

Guaranteed renewable till age 60. This means you can ensure insurability even as you grow older! Also includes a range of optional add-on benefits for your customisation.

Various policy terms available to suit your financial goals.

Conversion option gives you flexibility – you have the option to convert to a range of specified plans without the need to provide evidence of insurability before age 65.



	Level Term Plan		Zurich Term Life
	Basic term insurance to meet your protection needs, available for guaranteed renewability up till the age of 60!		Enhance your protection with a wide range of optional benefits such as Accidental Benefit, Hospitalisation and Surgical Benefit, Critical Illness Benefit and Waiver of Premium upon Dread Diseases.

The above table is for illustration only, click on it to see the latest quotes and discounts.

InsureDIY Limited is an insurance broker licenced by PIBA and is authorised to distribute insurance in Hong Kong.