Protect yourself & your loves one with

Life Insurance

Your life insurance needs are as unique as your thumbprint. We take the guesswork out of coverage by analysing your current financial stage—from debt protection in your early years to estate planning in your later ones.

Why get Life Insurance

Income Replacement When It Matters Most

Ensures your dependants can maintain their lifestyle by replacing lost income in the event of death or Total & Permanent Disability (TPD).

A "Wealth Mindset" Tip for Life Insurance

Building an education fund takes years of consistent saving. A single medical emergency for a parent or child can wipe out that entire fund in days. Insurance acts as a firewall, ensuring that hospital bills are paid by the insurer while your child’s university savings stay safe and untouched.

Eliminating "Grief Expenses"

The first few days after a loss are the most stressful. Life insurance provides a quick, tax-free cash injection to cover immediate "final expenses"—from funeral costs to travel for distant relatives.

Why get Life Insurance from TM Legacy Builders

01

We simplify complex options

Life insurance terms, riders, and coverage types can be overwhelming. We translate them into clear, practical choices based on your actual needs.

02

Experienced Advocacy in Complex Claims

Our agents are experts at building evidence and managing heavy documentation for you. We handle the follow-ups to ensure a smooth settlement and save you the headache.

03

Creditor-Proof Asset Shielding

We guide you on proper nomination strategies to protect your payout from being seized by creditors or stuck in legal probate. This ensures your family’s safety net remains untouchable and goes directly to them.

04

Customisable Riders & Add-Ons

Our modular approach lets you "bolt on" specific protections like Critical Illness or Payor Waivers. This ensures you only pay for the coverage that fits your current lifestyle and budget.

Meet our team of advisors serving 4 generations of families

What Life Insurance can provide you

Insurance advisor

01

Death Benefit

A lump sum payout is made to your nominated beneficiaries upon death, helping them manage living expenses, debts, and future financial needs.

02

Total & Permanent Disability (TPD) Benefit

Build deep, lasting relationships to become the go-to partner for your clients’ financial needs across generations.

03

Accidental Death & Disability Coverage

Offers an additional payout if death or TPD occurs due to an accident, giving extra financial protection during sudden and unforeseen events.

04

Critical Illness Coverage (Optional)

Provides a lump sum payment upon diagnosis of a covered critical illness, helping to cover medical costs, recovery expenses, or income disruption.

05

Investment Growth Potential

Some life insurance plans allow part of your premiums to be invested, offering the potential to grow your policy value over time while staying protected.

Stories from the families we walk with

01

Grandpa Lim wanted to leave a meaningful gift for his grandchildren, and his life policy made it possible.

Life Insurance

"

Grandpa Lim wanted to leave a meaningful gift for his grandchildren, and his life policy made it possible.

02

Sarah and Michael got married two years ago and wanted to ensure their future together was secure

Life Insurance

"

Sarah and Michael got married two years ago and wanted to ensure their future together was secure

03

As parents of three, John and Mary wanted to ensure their children's future was secure no matter what happened.

Life Insurance

"

As parents of three, John and Mary wanted to ensure their children's future was secure no matter what happened.

Tokio Marine 2023 Speaker
Tokio Marine 2024 Star Agency
Tokio Marine 2024 Star Unit
Tokio Marine 2024 Perfect Club
MDRT 2025 Award
Tokio Marine 2023 Speaker
Tokio Marine 2024 Star Agency
Tokio Marine 2024 Star Unit
Tokio Marine 2024 Perfect Club
MDRT 2025 Award

Let's start a conversation

Advisor
  • Enjoy personalized, no-pressure guidance to build your flexible future plan.
  • Discover expert strategies to de-risk your life and financial assets.
  • Get a customized quote and comparison tailored to your budget.
Build your plan with TM Legacy

Simple answers to the questions we hear most

How much coverage do you actually need?

Most professionals are either over-insured or dangerously under-covered. Take 60 seconds to calculate exactly how much coverage you need to keep your lifestyle and loved ones secure.

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We’ve helped 4 generations of Malaysians to uplift their life with insurance protection.

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