As part of Bank Negara Malaysia’s (BNM) ongoing efforts to ensure that all Insurance and Takaful industry players uphold their commitments and deliver services as outlined in their Customer Service Charter (CSC), both BNM and the Boards and Management Committees of the Associations (MTA/LIAM/PIAM) have approved the appointment of NielsenIQ Malaysia as the research agency to conduct the Customer Satisfaction Survey (CSS) 2024/25. Please visit our Announcement page for more information. 

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Investment-linked Policy Guides

As a part of our initiative to enhance customer’s awareness on their Investment-Linked Policy, this guide provides information on possible factors affecting the policy’s investment value, and recommended steps to ensure the insurance coverage is sustainable up to the full term of the policy.

To view the Investment-Linked Policy Guide, please click here for English, Malay and Mandarin version.

Questions and Answers

Investment-linked Policy Guide

All investment-linked policy owners.

This guide will provide you with general information on possible factors that may affect your investment linked policy sustainability and steps that you can take to enjoy insurance coverage for the full term of your policy.

This is an industry practice to guide policy owners on the general information on Investment Linked policy. 

Yes, all the other insurance companies are doing the same. 

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Insufficient Investment Value Notification

You can view or download the notification letter via eConnect using the following steps:

  1. Login to e-Connect.
  2. Click on the "My Document" tab
  3. Select "Document Type: Insufficient Investment Value Notification".

This letter is to provide policy owner with an early notification on their investment-linked policy’s sustainability status based on the policy’s current investment value.

For policy with low investment value, we have also included recommended options on how to increase your policy’s total investment value to ensure it remains sufficient to pay for your policy’s insurance charges and fees until the full covered term/expiry date of the policy.

It is important to consider the recommended options and be aware that your policy’s insurance coverage could be affected by *early lapsation if you choose not to adopt any of the recommendation and your policy’s total investment value may become insufficient to pay for the insurance charges and fees.

(*refer to the estimated lapse period stated in the letter)

It is based on certain assumptions as stated in the letter.

For further details on the FAQ, please login to e-Connect >> My Portfolio >> Report & Updates Fund Information >> Frequently Asked Questions >> Insufficient Investment Value Notification.

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