Ensuring a better future for people you care about the most

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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 MCIS Insurance Berhad (MCIS Life) or PIDM (visit www.pidm.gov.my)
PeopleLink

Ensuring a better future for people you care about the most

I'm Interested Download Brochure
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 MCIS Insurance Berhad (MCIS Life) or PIDM (visit www.pidm.gov.my)

Ensure certainty in an uncertain world with PeopleLink. This life insurance plan builds a rock-solid foundation to provide a secure future for you and your loved ones.

Protecting your family and loved ones isn't just about providing for them today; it's about securing their future, ensuring that they have the financial means to pursue their dreams even when you're no longer there to do so. This is where a life insurance plan like PeopleLink comes in.

What is Life Insurance, and Why Do You Need It?

What is Life Insurance, and Why Do You Need It?

Life insurance is a shield that offers protection and peace of mind, even during life's unpredictable moments. It is a promise to safeguard your family's dreams and aspirations, no matter what the future holds. With the right life insurance plan, you can take a significant step towards securing your family's financial future, providing them with the support they deserve even if you're not there to guide them.

What Benefits Does PeopleLink Offer?

What Benefits Does PeopleLink Offer?

guaranteed-coverage

5 Years Guaranteed Coverage

compassionate-benefit

Compassionate Benefit

maturity-benefit

Maturity Benefit

death-benefit

Death Benefit

permanent-disability

Total & Permanent Disability (TPD) Benefit

accidental-benefit

Accidental Death Benefit

Beneficial and Benevolent in Any Event

As an affordable, regular premium non-participating plan providing Death or Total and Permanent Disability (TPD) coverage, PeopleLink safeguards your loved ones financially if the unexpected occurs. Rest easy knowing they'll receive 100% of the Basic Sum Assured in the event of natural death or TPD, and 200% of the Basic Sum Assured in the event of accidental death. Your loved ones will also be paid an additional RM3,000 to assist them with funeral expenses.

For the first 5 policy years, your plan will continue to be in-force even if the account value is insufficient to cover these charges.*

*Terms & conditions apply.

Fulfill your financial goals

Upon maturity of the plan, you will receive the investment account value to fulfil your financial goals. PeopleLink also offers 8 attractive funds to invest in to grow your wealth, 3 of which are specifically catered for shariah-approved securities or equities.

Learn More: Tell Me More About the Benefits

Tell Me More About the Benefits

guaranteed-coverage

5 Years Guaranteed Coverage

The policy and its attachable riders (if any) will continue to be in-force within the first five (5) policy years even though the Account Value is insufficient to cover the insurance charge and policy fee, subject to terms and conditions.1

guaranteed-coverage

Compassionate Benefit

In the event of death, your loved ones will be paid an additional RM3,000 to assist them with funeral expenses.

guaranteed-coverage

Maturity Benefit

Upon maturity of the policy, the Account Value (less any Total and Permanent Disability Benefit paid under the policy and less any indebtedness on the policy) will be payable.

guaranteed-coverage

Death Benefit

In the event of death, your loved ones will receive 100% of the Basic Sum Assured plus Account Value (less any Total and Permanent Disability (TPD) Benefit paid under the policy and less any indebtedness on the policy) to help them cope financially.

guaranteed-coverage

Total and Permanent Disability (TPD) Benefit

This plan helps ease the financial burden that you and your loved ones may face should TPD occur before 70 (next birthday) by paying 100% of the Basic Sum Assured plus Account Value (less any indebtedness on the policy) after 6 months from the date of diagnosis.

guaranteed-coverage

Accidental Death Benefit

Your loved ones will receive 200% of the Basic Sum Assured plus Account Value (less any TPD Benefit paid under the policy and less any indebtedness on the policy) to cushion the financial shock, if accidental death happens.

guaranteed-coverage

Potential Gains from Investment-linked Funds

The premiums paid will not only provide you with life insurance cover but will also be invested in specific investment-linked funds of your choice, with flexibility to switch between 9 investment-linked funds.

flexible-premium

Flexible Premium paying terms

Flexible premium paying terms of either 5, 10 or 20 years or to match the full coverage term

flexible-policy

Flexible Policy Term Options

Flexible policy term options of 10 or 20 years, or ending at age 60, 70, 80 or 90 years old

1Provided that within the first 5 policy years:

  • Premiums for the plan have been paid on or before every due date or during the grace period; and
  • Premium holiday has never been exercised; and
  • There is no withdrawal of account value; and
  • Any premium increase required by the Company to ensure sustainability of the policy shall be promptly paid within the grace period.

Notes:

  1. Death Benefit and Accidental Death Benefit are subject to Juvenile Lien.
  2. Account Value is the total value of units based on the Net Asset Value held in the fund with respect to the policy.

Eligibility & Requirements

Eligibility & Requirements

Entry Age (age next birthday)

Minimum Maximum
30 days 70 years old for coverage up to age 80/90
60 years old for coverage up to age 70

Policy Term

Options of 10/20 years or up to 60/70/80/90 years old.

Premium Payment Term

Options of 5, 10, 20 years or full coverage term.

Basic Sum Assured

Minimum Maximum
RM50,000 RM450,000

Regular Premium + Regular Top-up Premium

Minimum RM1,500 p.a.

Regular Top-up Premium

Minimum RM120 p.a. (in multiples of RM120)

Investment Top-up Premium

Minimum RM100 (in multiples of RM100)

Partial Withdrawal

Minimum Partial Withdrawal RM250
Minimum Fund Balance after Partial Withdrawal RM2,000

Note: This top-up can be utilised at any time during the policy term regardless of your choice of premium term.

What are the funds I can invest in?

PeopleLink offers 9 attractive funds for you to invest in. MCIS Life Jati Fund, MCIS Life Titan Fund, MCIS Life AsiaPac Fund and MCIS Life Global Yakin Fund invest in Shariah-approved securities. However, PeopleLink is not a Shariah-compliant product.

Fund Fact Sheet
MCIS Life Income
Fund
MCIS Life Balanced
Fund
MCIS Life Jati
Fund
MCIS Life Dividend
Fund
MCIS Life Equity
Fund
MCIS Life AsiaPac
Fund
MCIS Life Global Yakin
Fund
MCIS Life Titan
Fund
MCIS Life Emerging Asia Fund

Download Product Disclosure Sheet (PDS) for more information

Learn More

PeopleLink is a non-participating, regular premium investment-linked plan with premium payment term options of 5,10, 20 years or full coverage term. This plan offers coverage periods of 10 years, 20 years or up to age 60, 70, 80, 90 years old.

This plan offers the following benefits:

  1. Death or Total and Permanent Disability (TPD) benefits
  2. Accidental Death Benefit
  3. Compassionate Benefit of RM3,000
  4. Maturity Benefit

This product also provides No Lapse Guarantee during the first 5 years.

You may attach various unit deducting rider(s) to this plan. Our agents will be pleased to recommend suitable riders to cater to your needs.

You can keep track of your unit prices via www.mcis.my

You can choose to pay your premiums yearly, half-yearly, quarterly or monthly.

Yes. You can surrender the policy at any time without any charges being imposed. Please note that buying a regular premium life policy is a long-term commitment and it is not advisable to hold the policy for a short period of time in view of the high initial costs. Please refer to the Product Illustration for more details.

  1. The Death Benefit shall not be payable if the Life Assured dies by duelling, self-inflicted injuries or suicide, while sane or insane within thirteen (13) months from the Issue Date or date of reinstatement, whichever is later.
  2. The Total and Permanent Disability (TPD) Benefit shall not be payable for any disability caused directly or indirectly, wholly or partially by: attempted suicide or self-inflicted injuries or self-inflicted illness while sane or insane; military or naval service in time of declared or undeclared war or while under orders for warlike operation or restoration of public order.
  3. The Accidental Death Benefit shall not cover accidental death caused directly or indirectly, wholly or partially, by: self-inflicted injuries or suicide, while sane or insane; any injury sustained while on duty in any navy, army, air force, police or fire brigade.

Note

  • The above list is not exhaustive. Please refer to the policy contract for full details.

Note

  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Brochure, Product Illustration (if applicable), Product Disclosure Sheet and policy contract for complete details of the product.
  • Connect with us

MCIS Insurance Berhad 199701019821 (435318-U)

Wisma MCIS, Jalan Barat,
46200 Petaling Jaya,
Selangor Darul Ehsan
T +603-7652 3388
F +603-7957 1562
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