Life Insurance

As you navigate life’s wonders, we’ve got you and your loved ones covered.

Life Insurance Plans

You never know how your circumstances may take a sudden turn and wreak havoc on your carefully laid plans. No matter what stage in life you are in, we provide you with peace of mind. As one of Malaysia’s fast growing insurance companies, Gibraltar BSN offers a wide range of life insurance plans, including life insurance that can be bought online. Whether you are looking for term life insurance, whole life insurance, or life insurance with an investment plan, we have options to help financially protect you and your loved ones.

Investment-Linked Plan

Term Life / Whole Life

Personal Accident


Why Choose Us?

Gibraltar BSN is one of Malaysia’s fast growing insurance companies, with proven expertise, credibility, and a strong reputation in the life insurance industry. We specialise in comprehensive and affordable protection solutions that will safeguard you and your loved ones against potential financial hardships. You can purchase GoProtect that includes benefits such as death and total & permanent disability through our wealth advisors. You can also get our online life insurance plan such as  i-FlexCover which starts from only RM3.90 per month that offers flexible coverage that can be adjusted at any time.

Gibraltar BSN life insurance

Our Scope of Life Insurance Plans

We have a wide variety of life insurance policies in Malaysia that cater to different needs and budgets, as well as the option to purchase the policy online. You can choose term life and whole life insurance plans that provide extensive coverage against death, accidental death, and total & permanent disability. In addition, we also offer policies covering personal accidents, as well as investment-linked life insurance plans which provide a combination of insurance protection, savings, and investment. No matter if you’re an aspiring young professional, a new parent, or nearing retirement, we can deliver a protection solution that will give you peace of mind.

Want to see some suggestions instead?
Get Recommendation

Why do I need life insurance?

Life has a way of throwing a wrench in your plans when it’s least expected. In the event of your unexpected death, a life insurance plan provides your nominee(s) with financial relief to help them cope with the practicalities of such a loss. It can help you lead your life to the fullest without having to worry about your loved ones’ financial future. Depending on your chosen life insurance plan, your nominee(s) will receive benefits as specified in the plan.

Life insurance plans usually also include disability insurance which can replace a portion of your income if you can’t work.


What is the difference between medical insurance and life insurance?

Medical insurance pays for medical bills but does not provide life cover. Life insurance provides a lump-sum payment to the insured’s nominee in the event of death or to the insured in the event of total & permanent disability.


How much life insurance coverage do I need?

As a general rule of thumb, you should set aside 10 times your annual income for life protection.


What are the different types of life insurance available?

The main types of life insurance plans in Malaysia include term life insurance, whole life insurance, and investment-linked life insurance. Term life insurance provides coverage for a fixed period of time while whole life insurance lasts an entire lifetime and offers cash value. Life insurance with investment plans combines insurance with savings and investment benefits, with some of the premiums invested into relevant funds for potential growth in returns.


What is the life insurance claims process?

In the event of death or total & permanent disability, nominee or life assured has to check that the life insurance policy is up to date and there are benefits claimable. You may find the relevant forms and supporting documents to make a claim here. For assistance, call us at 1 300 22 6262 or check in with us at your nearest Gibraltar BSN branch. We’ll provide you with all the necessary claim form(s) to be completed, along with information on the supporting documents we'll need from you in order to process your claim. 

To expedite the payout of the policy monies in the event of a death, please ensure the policy owner makes a nomination by downloading and completing the Nomination Form.


How do I find the right life insurance plan?

Before pinpointing the ideal life insurance plan for you and your loved ones, it is best to keep the following in mind: 

Affordability - With many life insurance policies available in Malaysia, it is important to know how much you need to pay for the right coverage that you need. At Gibraltar BSN Malaysia, we provide instant quotations in Malaysia for our online life insurance plans, starting from only RM3.90 a month.

Type of plan - Since there are so many different types of life insurance plans available, such as term life insurance, whole life insurance, and investment-linked life insurance, you need to evaluate which one is best suited for you and your loved ones. There are even life insurance plans you can buy online.


Should I get life insurance after I turn 60?

Yes, especially if you have dependents. No matter how old you are, it is important that you have a life insurance policy so that your loved ones will be provided for in the event of an unforeseen tragedy.


Am I eligible for life insurance?

To find out more about our life insurance plans in Malaysia, don’t hesitate to contact us or  get an instant quote online.


If my company already provides me with life insurance, do I still need to buy my own plan?

While it is useful to have life insurance provided by your company, there are several reasons why you should still buy your own individual life insurance policy in Malaysia:

1.    Company coverage of life insurance plans usually has a lower limit compared to individual plans.
2.    Your coverage is tied to employment and your policy benefits could be changed.



Say no more! I'd like you to contact me!

What is your current marital status?

It’s important for us to know whether our clients smoke—not to judge— but because smoking affects several aspects of their health, and therefore what protection plans we can recommend. So, tell us, are you a smoker?

A client’s past history with critical illnesses also affects what and how we can help insure you. Do you have a history of critical illness?

Next, what do you do for a living? You can type in your designation.

Last but not least: what are your interests?


That's it! We have received your request.
You will be hearing from us soon.