PB Protect Term

PB Protect Term

(This is an insurance product)

Protect yourself at your fingertips

PB Protect Term (this is an insurance product) is a yearly renewable insurance plan that provides death and total and permanent disability coverage up to 70 years old. This is a pure protection plan and does not include any savings or investment elements. Whether you are new to life insurance or looking to increase the level of coverage you currently have, you can purchase PB Protect Term directly online and be protected immediately.

What Does PB Protect Term Offer?

  1. Flexible Choice of Sum Assured
    You may choose to be covered from RM100,000 to RM500,000 (in multiples of RM50,000) according to your protection needs.
  2. Protection against death and total & permanent disability (TPD)
    The plan provides you and your family with a lump sum of 100% of the Sum Assured selected if you pass away or suffer from total & permanent disability (TPD).  


Who is eligible to purchase PB Protect Term?
This plan is available to Malaysian citizen residing in Malaysia and aged 16 to 55 (last birthday).

What doesn’t PB Protect Term cover?
This plan does not cover:
  1. Death caused by suicide within 1 year from the issue date or commencement date, whichever is later. AIA Bhd.’s liability shall be limited to the refund of the premiums paid without interest. Thereafter, the policy shall be terminated.

  2. Any TPD claim arising from the occurrence of the following is not covered:
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
    • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route;
    • Any congenital defect which has manifested or was diagnosed before the Insured attains seventeen (17) years old; or
    • Any disability resulting from a physical or mental condition which existed before the issue date or commencement date, whichever is later, of the policy which was not disclosed in the application or health statement.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, exclusions, terms and conditions, please refer to the policy contract.

To find out more, please contact AIA Bhd. or visit any of the AIA Customer Centres for more information!


This plan is underwritten by AIA Bhd., a licensed insurance company under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. 200701032867 (790895-D) Menara AIA, 99, Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur.

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