A variety of protection plans designed to keep your dreams safe.

Get the protection you deserve with our Credit Life Products. A wide range of plans are available to ensure that we have something for your every insurance need. Minimise your risks and burdens as our Credit Life Products provide you with death and total and permanent disability (TPD) benefits, amongst others. We’ll make sure you stay in good hands.

Benefits at a Glance
  • Don’t Worry Credit Shield

    Don’t Worry Credit Shield is a yearly renewable group term life that caters to customers who are BSN credit card holders, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 65.

  • Don’t Worry Bereavement

    An optional benefit made available to customers of Don’t Worry Credit Shield, Don’t Worry Bereavement is a yearly renewable optional rider that provides additional death benefit.

  • BSN Home Assure

    BSN Home Assure is a single-premium decreasing term assurance for customers who are servicing home loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 70.

  • BSN RTA

    BSN RTA is a single-premium decreasing term assurance for customers who are servicing personal loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 70.

  • BSN GASA

    BSN GASA is a single-premium decreasing term assurance that is designed for customers with Amanah Saham Bumiputera loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 65.

  • Don’t Worry Loan Protect

    Don’t Worry Loan Protect is a single-premium decreasing term assurance for customers who are servicing microfinance loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 65.

  • Alliance Cash Protect

    Alliance Cash Protect is a single-premium decreasing term assurance that caters to Small Medium Entrepreneurs (SME) who are servicing business loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 65.

  • Alliance MRTA

    Alliance MRTA is a single-premium decreasing term assurance that caters to Small Medium Entrepreneurs (SME) who are servicing mortgage loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 70.

  • Alliance MLTA

    Alliance MLTA is a single-premium level term assurance that caters to Small Medium Entrepreneurs (SME) who are servicing mortgage loans, providing assistance with the life assured’s liability to the bank in the event of death or total and permanent disability (TPD) before the age of 65.

What We Cover

Death
“Don’t Worry” Credit Shield
“Don’t Worry” Bereavement
BSN Home Assure
BSN RTA
BSN GASA
“Don’t Worry” Loan Protect
Total and Permanent Disablement (TPD)
“Don’t Worry” Credit Shield
“Don’t Worry” Bereavement  
BSN Home Assure
BSN RTA
BSN GASA
“Don’t Worry” Loan Protect
Minimum Sum Assured
“Don’t Worry” Credit Shield ?
“Don’t Worry” Bereavement ?
BSN Home Assure RM10,000
BSN RTA RM5,000
BSN GASA RM10,000
“Don’t Worry” Loan Protect RM5,000
Maximum Sum Assured
“Don’t Worry” Credit Shield ?
“Don’t Worry” Bereavement RM100,000
BSN Home Assure No limit; subject to underwriting
BSN RTA RM200,000
BSN GASA RM220,000
“Don’t Worry” Loan Protect RM50,000
Term
“Don’t Worry” Credit Shield ?
“Don’t Worry” Bereavement ?
BSN Home Assure 1 to 35 years
BSN RTA 1 to 10 years1
BSN GASA 5 to 30 years2
“Don’t Worry” Loan Protect 1 to 5 years
  Don’t Worry Credit Shield Don’t Worry Bereavement BSN Home Assure BSN RTA BSN GASA Don’t Worry Loan Protect
Death
Total and Permanent Disability (TPD) -
Minimum Sum Assured Monthly outstanding balance of credit card Fixed at RM3,000 per card; for principal cardholders only RM10,000 RM5,000 RM10,000 RM5,000
Maximum Sum Assured RM100,000 per life No limit; subject to underwriting RM200,000 RM220,000 RM50,000
Coverage Term Renewable yearly1 1 to 35 years2 1 to 10 years1 5 to 30 years2 1 to 5 years
Premium Payment Term Monthly Single Premium
 
Death
Alliance Cash Protect ?
Alliance MRTA ?
Alliance MLTA ?
Total and Permanent Disability (TPD)
Protection ?
Protection Plus ?
Protection Extra ?
Minimum Sum Assured
Alliance Cash Protect RM100,000 per life
Alliance MRTA RM10,000
Alliance MLTA RM10,000
Maximum Sum Assured
Alliance Cash Protect RM500,000 (entry age 25 – 50)
RM250,000 (entry age 51 – 60)
Alliance MRTA No limit; subject to underwriting
Alliance MLTA RM1.5 million; subject to underwriting
Coverage Term
Alliance Cash Protect 3 to 5 years
Alliance MRTA 1 to 30 years
Alliance MLTA 2 to 30 years
Premium Payment Term
Alliance Cash Protect Single Premium
Alliance MRTA
Alliance MLTA
  Alliance Cash Protect Alliance MRTA Alliance MLTA
Death
Total and Permanent Disability (TPD)
Minimum Sum Assured RM100,000 RM10,000 RM10,000
Maximum Sum Assured RM500,000 (entry age 25 – 50)
RM250,000 (entry age 51 – 60)
No limit; subject to underwriting RM1.5 million; subject to underwriting
Coverage Term 3 to 5 years 1 to 30 years 2 to 30 years
Premium Payment Term Single Premium
  • 1Subject to age not exceeding 65 years.

  • 2Subject to age not exceeding 70 years.

Eligibility

Don’t Worry Credit Shield

  18 years
  65 years old

Don’t Worry Bereavement

  18 years
  65 years old

BSN Home Assure

  16 years
  65 years old

BSN RTA

  16 years
  60 years old

BSN GASA

  18 years
  60 years old

Don’t Worry Loan Protect

  21 years
  60 years old

Alliance Cash Protect

  25 years
  60 years old

Alliance MRTA

  16 years
  65 years old

Alliance MLTA

  16 years
  65 years old

Important Notes

The details above are for general information only. It is not a contract of insurance. The precise items, conditions and definitions of this insurance plan are specified in the policy contract. Please refer to the Sales Illustration and Product Disclosure Sheet for further details before deciding on your purchase.