About Complete Cover
Protection for Life, Growth for the Future
Complete Cover is a limited premium investment-linked protection plan that combines life coverage, flexible savings, and steady investment growth in one. It provides comprehensive protection for you and your loved ones, while helping you build long-term wealth through bonus rewards and a wide range of fund choices.
With flexible payment terms and the option to invest in multiple global and local funds, you can personalize your plan to fit your life goals — ensuring peace of mind today and financial confidence for tomorrow.
'' Protect what matters, grow what lasts..''
Key Features
Comprehensive Protection
- Death Benefit: Receive the higher of Sum Assured or Account Value
Increasing Cover: Enjoy combined protection with the sum of your BSA plus Account Value - Coverage starts from 13 weeks of pregnancy, offering early protection for unborn children.
- If death occurs within 30 days after birth: payout = higher of Total Premium Paid or Account Value.
- Auto - extension up to age 100 without underwriting (every 5 years renewal).
Wealth Enhancement
- Loyalty Bonus: Earn up to 25% of your 1st Year Premium at Year 20 for your long-term commitment.
- Designed to help your savings grow steadily and consistently, ensuring your investment works harder for your future goals.
- Provides a valuable opportunity to accumulate additional wealth while maintaining essential life protection benefits.
- Ideal for individuals seeking both protection and investment growth within one flexible and comprehensive plan.
Flexible Investment
- Fund Flexibility: Switch funds, top up, or withdraw anytime to match your financial goals.
- Optional auto - rebalancing strategy, which helps maintain a well-diversified and stable portfolio.
- Suitable for investors seeking control, adaptability, and growth potential, with the freedom to customize their investment mix throughout the policy term.
- Offers an ideal balance between financial flexibility and disciplined portfolio management, helping you stay on track toward your financial goals.
REQUIREMENT
- From 13 weeks gestation (unborn child) up to 70 years old.
- Birth Certificate required within 180 days post expected delivery.
- 20 / 30 / 35 / 40 years — with auto-extension to age 100 (no re-underwriting).
- 6, 10, 15, or 20 years
- Payment modes: monthly / quarterly / semi-annual / annual
WHY DO YOU NEED IT ?
Protection
Flexibility
Wealth Growth
Long-Term Vision
“ Get Your Free Quote Now ”
CUSTOMER TESTIMONIALS
Frequently Asked Questions (FAQ)
HLA Complete Cover is a regular‑premium, investment‑linked life insurance plan that offers death protection along with a broad range of optional riders to cover different stages of life.
Premiums are regular (paid throughout the payment term). During renewal every 5 years, stepped‑up premium may apply based on your age band.
If you become permanently disabled or diagnosed with a serious illness covered by a rider, the plan can provide a lump sum payout (depending on the rider) as well as potentially waiver of future premiums.
Since this is an investment-linked plan, a portion of your premium goes into investment funds. The policy’s sustainability depends on the account value.