What is i-Intellectual insurance?

It is a regular premium investment linked education plan that goes beyond ensuring your child’s education is taken care of, offering:

  • Funds for your child's education needs 
  • Optional benefits for added protection for you and your child 
  • Scholarship awards if your child achieved outstanding results in UPSR, PMR, SPM, SPVM or UEC 

Why is this important to you?

You enjoy full flexibility and control to:

  • Adjust your coverage at the next month policy anniversary
  • Opt for “iPayor Waiver”
    • this waives all future premium payments if anything unfortunate occurs to you

This is suitable you want

  • A savings and education plan for your child
  • Flexible plan with choices of investment linked funds


This is not suitable if you want

  • Limited premium payment

Key coverage

  • Death or Total and Permanent Disability (TPD)
  • Enhanced Waiver of Premium Rider
Please note that this brief summary is not a policy document. We advise you to read the actual policy documents for important details on coverage, exclusions, limits, conditions and terms.

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Important information

This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 21 August 2014.

Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than amount that you have paid in.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.