DearTime app for iPhone and iPad

Do you know? Only 4 out of 10 Malaysians have life insurance. Life insurance penetration is low because:

1. Unaffordable: high commission with non-insurance frills like investments and savings.

2. Complicated: long-winded terms and manual process of buying, editing, and claiming.

3. Inaccessible: insurance branches and agents are mostly found in cities and towns only.

Through fully digital means, DearTime solves these problems by making insurance:

1. Affordable: no commission, no frills

2. Simple: simple product, simple process

3. Accessible: everyone, everywhere

With DearTime Sponsored Insurance, the first of its kind, you are not just buying insurance for yourself; you are buying it for someone who cannot afford it too. Together, we are touching one more life.

Life insurance is a fundamental right of every life, not a privilege.