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Eligibility


  • Malaysian citizen
  • Minimum 17 years old until maximum age next birthday (ANB) of 60 years old
    (Age above 60 years old will be subject to approval)

What is Smart Secure


Smart Secure is a term life insurance plan which is designed to help your business survive adverse financial consequences due to death or disability of key persons in your workforce such as business owners, partners, critical employees and more.

Smart Secure Benefits


  • Flexibility to choose the coverage tenure
    Minimum 5 years up to the policy anniversary prior to the insured’s person 80th birthday
  • Minimum benefit coverage
    From RM100,000
  • Flexible Payment Frequency
    Pay monthly, quarterly, half yearly, or yearly
  • Optional coverage
    Additional coverage for 36 Critical Illnesses, payable upon diagnosis
  • Tax Relief
    Premiums paid by a business for key person(s) may be eligible for tax relief, subject to the decision of the relevant tax authorities in Malaysia

How Smart Secure helps the business


  • Pay the expenses and debts of the business
  • Supplement the costs of hiring external talent or new successor
  • Protect your business by ensuring the business continuity in the vent of operational disruption, personal attrition, and many unforeseen events.
  • Safeguard your legacy from winding down to sale of business

Learn more about Key Person Insurance

How to apply


Terms and Conditions


PIDM protection


The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa Life Insurance Berhad or PIDM (visit www.pidm.gov.my).



Secure your business with Key Person Insurance


Get covered to mitigate personnel risks and protect your business financially.

Discover more here

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