Fifteen products across the RHB insurance shelf — Tokio Marine Life and Takaful Malaysia — compared on product type, underwriting, entry age, BSA or premium range, payment terms, coverage term, premium allocation, key USP, fund options, and best-fit client profile. As at April 2026.
Death plus TPD cover with investment upside through a selection of Tokio Marine fund options. Entry age, allocation profile, and BSA range differ by product.
| Attribute | RHB Alpha FutureSafeguard your child's dreams. | RHB Essential FlexiLink PlusProtect your dreams at every moment. | RHB Essential PrimeLink Plus PremierPreserve your wealth & legacy. | RHB Essential ProtectPreserve your legacy, protect your loved ones. | RHB Essential Protect PremierPreserve your legacy, protect your loved ones. | RHB Treasure BuilderBuild wealth to secure your future. | RHB Treasure FlexiWealthWealth accumulation and distribution. | RHB Treasure SupremePreserve your prosperity, pass down your legacy. | RHB Wealth AdvancePreserve Today, Build Tomorrow. |
|---|---|---|---|---|---|---|---|---|---|
| Product Type | ILP | ILP | ILP | ILP | ILP | ILP | ILP | ILP (Non-Par) | ILP |
| Underwriting | Full UW | Full UW | SIO | SIO | SIO | GIO | GIO | GIO | GIO |
| Entry Age | Child 1–10; payor 17–60 | 30 days – 70 | 30 days – 70 | 14 days – 70 | 14 days – 70 | 14 days – 70 | 14 days – 70 | 14 days – 70 | 14 days – 75 |
| BSA / Premium | From RM40,000 | — | RM100K – RM500K | From RM300,000 | From RM1,000,000 | RM1,800 basic; RM12,600 with Income Builder Rider (5-pay 20-yr); up to RM500K/life | RM30,000 – RM500,000 | RM30,000 – RM500,000/life | RM10,000 – RM1,000,000 |
| Payment Terms | 8 yr | Regular to age 90 | 5 yr / 10 yr | 5 yr / 10 yr | 5 yr / 10 yr | 5 yr / 8 yr | 3 yr | 3 yr | 3 yr / 5 yr / 8 yr |
| Coverage Term | To age 22 (entry 1–6) or to age 25 (entry 7–10) | To age 90 next birthday | 5-pay 20 yr / 10-pay 30 yr (max age 90) | 15 yr, 20 yr, or to age 70 | 15 yr, 20 yr, to age 70, or to age 100 | 20 yr (5-pay) / 25 yr (8-pay) | To age 100 | 15 yr or 20 yr | To age 128 |
| Premium Allocation | 95% of Alpha Future Enhancer premium to funds | Yr1–3: 60% · Yr4–6: 80% · Yr7–8: 95% · Yr9+: 100% | 5-pay: Yr1 60% / Yr2 90% / Yr3–5 100%. 10-pay: Yr1 60% / Yr2 65% / Yr3 75% / Yr4–10 100%. | 5-pay: Yr1 60% / Yr2 90% / Yr3+ 100%. 10-pay: Yr1 60% / Yr2 65% / Yr3 75% / Yr4–7 100%. | 5-pay: Yr1 60% / Yr2 90% / Yr3+ 100%. 10-pay: Yr1 60% / Yr2 65% / Yr3 75% / Yr4–7 100%. | 95% basic to ILP funds; 5% unallocated. Regular and Single Top-Up at 95%. | 100% basic to ILP funds (full allocation). Top-ups at 95%. | N/A | 100% basic to chosen ILP fund; top-up 95% |
| Key USP | 8-year level guaranteed premium payment | Regular ILP covering Death and TPD to age 90 | Guaranteed Acceptance — no medical | High cover from RM300K; non-medical limit up to RM3.5M | High cover from RM1M; non-medical limit up to RM4M | Limited-pay ILP: 5-pay 20-yr or 8-pay 25-yr | Limited 3-pay ILP, coverage to age 100 | Limited 3-pay non-par with 15- or 20-year term | Guaranteed Acceptance to age 75 — no medical |
| Fund Options | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced | TM EnterpriseTM BondTM ManagedTM OrientTM Dana IkhtiarTM LuxuryTM Global SustainableTM DividendTM Balanced |
| Best For | Parents with children aged 1–10 who want a dedicated education fund with guaranteed maturity payout and payor protection. | Young working adults and families (30 days to 70) who want a flexible, rider-rich ILP that adapts to life-stage needs. | Affluent clients (30 days to 70) seeking legacy planning with guaranteed payouts, simplified entry, and next-generation wealth transfer. | Working adults (14 days to 70) seeking legacy protection with an investment element and high sum assured. | Affluent clients wanting high-value legacy planning (min RM1M SA) with investment element and comprehensive accidental coverage. | Younger adults and parents wanting wealth accumulation with protection; guaranteed income stream (GCP) plus investment upside; short premium commitment with family accidental cover. | Affluent to HNW clients (min SA RM30K, 3-year pay) focused on wealth accumulation and efficient distribution to multiple heirs with full premium allocation. | Clients wanting a short premium commitment (3 years) with medium-term coverage (15 or 20 yrs) and guaranteed income stream; suited to specific goals such as education or retirement. | Mass affluent to HNW clients (14 days to 75) seeking long-term wealth accumulation, intergenerational transfer, and guaranteed-acceptance entry with minimal commitment. |
Lifetime guaranteed cash payments (GCP) to age 100. Non-participating. GIO entry across the pair; the Premier variant offers higher GCP rates for higher premium brackets.
| Attribute | RHB Treasure 100Preserve your wealth for generations to come. | RHB Treasure 100 PremierPreserve your wealth for generations to come. |
|---|---|---|
| Product Type | Whole Life (Non-Par) | Whole Life (Non-Par) |
| Underwriting | GIO | GIO |
| Entry Age | 14 days – 60 | 14 days – 60 |
| BSA / Premium | RM5,000 – RM500,000 | RM15,000 – RM500,000 |
| Payment Terms | 5 yr / 10 yr | 5 yr / 10 yr |
| Coverage Term | Whole life to age 100 | Whole life to age 100 |
| Premium Allocation | N/A | N/A |
| Key USP | Lifetime GCP payable annually from end of Policy Year 1 to age 100. | Higher GCP rates than Treasure 100: 5-pay rates 7% / 12% / 17%; 10-pay rates 12% / 22% / 32% of Sum Assured. |
| Best For | Wealth-preservation clients who want guaranteed lifetime income; parents buying for newborns/children; clients seeking no-medical legacy planning with short premium commitment. | HNW clients seeking premium wealth preservation with higher GCP income rates; multi-generational legacy planning; larger capital deployments wanting guaranteed lifetime cashflow with minimal medical hassle. |
Savings-with-protection with guaranteed capital return at maturity. One GIO entry-level plan and one full-underwritten HNW plan.
| Attribute | RHB Essential Elite SaverPlusGuaranteed protection and future income. | RHB Essential PrimeGuardGuarding what matters to you most. |
|---|---|---|
| Product Type | Endowment | Endowment |
| Underwriting | GIO | Full UW |
| Entry Age | 30 days – 55 | 18 – 65 |
| BSA / Premium | From RM20,200 | RM500,000 – RM3,000,000 |
| Payment Terms | 10 yr / 20 yr | 5 yr |
| Coverage Term | Plan A: 10/20 yr · Plan B: 10/30 yr · Plan C: 20/30 yr | 10 or 15 yr |
| Premium Allocation | N/A | N/A |
| Key USP | Life and Disability coverage (Death and TPD). | Limited 5-year premium payment with 10 or 15 year coverage. |
| Best For | Individuals (30 days to 55) wanting simple savings-with-protection, regular cash payouts, and guaranteed capital return at maturity. | Working adults (18–65) seeking short-term premium commitment with guaranteed capital return and life protection for family. |
Pure protection with guaranteed acceptance to age 70. Flexible pay term and extendable coverage.
| Attribute | RHB Essential AssureSimple, dependable life protection for every stage. |
|---|---|
| Product Type | Term Life |
| Underwriting | GIO |
| Entry Age | 14 days – 70 |
| BSA / Premium | From RM350,000 |
| Payment Terms | 5 yr / 10 yr |
| Coverage Term | 20 yr, or to age 70, 80, or 100 |
| Premium Allocation | N/A |
| Key USP | Guaranteed Acceptance to age 70 — no medical exam required. |
| Best For | Working adults who want simple, no-frills life protection without medical underwriting and with flexible short payment terms. |
Unit-deducting CI rider attached to an ILP, covering both early- and advanced-stage conditions.
| Attribute | iComprehensive Critical Illness RiderEarly protection, early recovery. |
|---|---|
| Product Type | Rider |
| Underwriting | Full UW |
| Entry Age | 30 days – 70 |
| BSA / Premium | — |
| Payment Terms | Unit-deducting (monthly insurance charge from fund value) |
| Coverage Term | Up to age 85 next birthday |
| Key USP | Up to 109 critical-illness conditions across 47 categories, early and advanced stages. |
| Best For | Clients (30 days to 70) attached to an ILP who want comprehensive early-to-advanced CI protection with staged payouts to ease financial burden during illness. |
Generated from the piack_products database. Data sourced from official Tokio Marine Life and Takaful Malaysia product brochures and sales illustrations. For internal RM reference only; not a product disclosure sheet or offer document. Specific premium allocation schedules, USPs, and best-for descriptions reflect each product's official marketing collateral. Underwriting tiers, entry ages, and BSA ranges are subject to change by the insurer. Please refer to the current PDS and SI for the definitive position.