At Allianz, it is our commitment to ensure customers are adequately protected at all times. For your peace of mind, we strive to proactively review and keep you informed of the sustainability of your investment-linked insurance policy from time to time so that you are aware of how long the fund value is predicted to last and take action, if needed, to ensure continued coverage.

To have an overview of factors that may reduce your fund value and impact on the sustainability of your coverage, please click on the following Guide to Investment-Linked Policy which is available in English, Bahasa Malaysia and Mandarin languages for your reference.

Should you need further assistance or clarification, please contact your servicing agent. Alternatively, you can email to us at PolicySustainability@allianz.com.my contact our dedicated line at 03-2276 5542 (Monday to Friday, 9am to 6pm) or walk in to the nearest Allianz Branch for assistance.

Unlocking Insights with Investment-Linked Insurance

Investment-Linked Insurance: Elements that May Reduce Its Value

Investment-linked insurance policies, while often providing a versatile combination of coverage and investment benefits, may see their fund value affected by several factors. Neglecting to pay premiums promptly can lead to a decrease in fund value. Similarly, poor investment returns, partial withdrawal of funds, not increasing premiums when increasing protection cover, and not increasing premiums or performing top-up when the insurer increases insurance/other charges can also negatively impact the fund’s value.

The Right Way to Prevent Decreases in Your Investment Fund Value

Maintaining and enhancing your fund value requires regular reviews of your insurance. This proactive approach lets you keep abreast of your policy’s performance and take necessary steps to ensure its sustainability.

To prevent a decrease in fund value, it may be necessary to increase premium payments, particularly when additional coverage is required. Alternatively, reducing insurance coverage can help maintain the fund value, especially when the investment performance is below expectations.

Factors to Consider when Choosing the Right Investment-Linked Insurance Plan in Malaysia

When selecting an investment-linked insurance plan in Malaysia, consider several key factors. These include your investment objectives, available fund options, associated charges, the extent of insurance coverage, and the flexibility of the policy. A thorough understanding of these elements will help you make an informed decision and find a policy that best aligns with your financial goals.

Find One of The Best Investment-Linked or Savings Policies for Your Needs with Allianz

Allianz offers a variety of investment-linked insurance plans, including Allianz PrimeCover, Allianz PayorCover, WealthCover, Allianz SecureCover / SecureCover Plus, Prime Income, Allianz PremierLink, Allianz UltimateLink and Allianz ValueGuard & Allianz ValueGuard Plus. These plans are designed to provide financial security, peace of mind, customised coverage, and long-term savings.

Choosing the right insurance plan for your needs is crucial for your financial well-being. It ensures that you are adequately protected and can maintain your lifestyle and meet your financial obligations in case of unexpected circumstances.

At Allianz, we are committed to ensuring our customers are always adequately protected. We proactively review your investment-linked insurance policy and inform you about its sustainability. This way, you're always aware of how long your fund value is predicted to last and can take action if needed to ensure continued coverage.

To have an overview of factors that may reduce your fund value and impact on the sustainability of your coverage, please click on the following Guide to Investment-Linked Policy, which is available in English, Bahasa Malaysia and Mandarin languages for your reference.

Take the first step towards securing your financial future with Allianz. Should you need further assistance or clarification, please feel free to reach out to your servicing agent. You can also reach out to us at 1-300-22-5542 (Monday to Friday, 9 am to 6 pm), or visit the nearest Allianz Branch for assistance. Don't wait for the unexpected to happen - ensure your peace of mind and contact us today.