How fast do payouts happen?

In the beta demo, a trusted data signal is compared with an example trigger and an illustrative Beta Credit payout appears on the timeline. This is not a real or guaranteed payout. Live timing would depend on final terms, eligibility and validated data.

Who can join the beta?

Beta members can create accounts, join Packs and test simulated protection journeys. Joining the beta does not buy insurance or create active cover.

What do Lyfl points do?

You earn demo points when you select simulated protection, keep a streak, invite friends or complete quests. Points and rewards have no cash value during beta.

LYFL Malaysia Beta

Protection for the moments you actually live.

Build a Pack. Invite your people. Let LYFL handle the what-ifs.

Join the Malaysia Beta Watch the 3-minute demo See Packs

LYFL is currently a product beta. Insurance products, prices, payouts and transactions shown in the beta are simulated and do not constitute active insurance coverage.

RM500: Beta Credit to spend
3 concepts: available to simulate
30 sec: to create a Pack

LYFL Concierge

Nova has your next move.

Bangkok is four days away. Five of six crew members are ready.

Invite the last person

What everyone's joining

Nova's picks while beta sign-ups build up. Peek inside, then join in one tap.

Counting sign-ups…

Counts are real beta activity across all Packs. Joining starts your own private Pack from this template — protection and payments stay simulated during beta.

Packs

Protect your crew, together. Test the idea.

Start a Pack, share one WhatsApp link, and bring the whole crew into the same beta journey.

Create a Pack in 30 seconds
Invite friends with one WhatsApp link
Everyone selects a simulated share
Points and rewards for the whole crew

Join the Malaysia Beta

Bali Girls Trip

6 people · Oct 10–14

Pack

Lyfl recommends

Flight Delay
Adventure Trip
Rainy Day

Per personRM24

Invite your Pack on WhatsApp

Example Pack — simulated during beta

How LYFL protects you

A measured event. Clear example terms. A transparent timeline.

Flight Delay demonstrates the proposed model: LYFL compares a trusted signal with example protection terms and shows the outcome that could follow if the threshold is met. During beta, every outcome is simulated.

Trigger

MH389 arrives at least two hours later than its scheduled arrival time.

Source

A trusted flight-status feed confirms the scheduled flight, actual arrival, and total delay.

Example exclusions

A delay below two hours, an unmatched flight, protection selected after a known disruption, or an event outside the stated terms would not qualify.

Illustrative payout timeline

1
Monitoring
The demo watches the selected flight.
2
Signal received
A trusted flight-status feed reports the delay.
3
Trigger confirmed
MH389 arrives at least two hours late.
4
Outcome calculated
The example terms produce an illustrative RM120 benefit.
5
Beta wallet updated
The member sees simulated credit and a demo receipt.

During the Malaysia beta

Triggers, protection, Beta Credit, purchases and payouts are simulated. No insurance cover is active and no money changes hands.

When LYFL goes live

Real cover will depend on licensed insurance capacity, final policy terms, eligibility checks, and validated live data-provider signals.

Three protection concepts

Choose only what fits the moment. All prices and outcomes are simulated during beta.

From

RM2

Ride Safe

Bike, PMD & scooter protection concept, by the day

Accident medicalRM20,000
Hospital cash / nightRM150
Third-party damageRM5,000
Roadside pickupIncluded

Durations: 1 day RM2 · 7 days RM10 · 30 days RM33

Try the simulation

From

RM9

Adventure Trip

Hiking, diving and climbing protection concept

Emergency medicalRM50,000
Evacuation & rescueRM30,000
Adventure sportsIncluded
Trip interruptionRM2,000

Durations: Weekend RM9 · 1 week RM18 · 2 weeks RM30

Try the simulation

From

RM5

Flight Delay

Simulate a payout when a flight is 2h late

2h+ delayRM120
4h+ delayRM250
Cancelled flightRM400
Bag delayed 6h+RM150

Durations: One flight RM5 · Return trip RM9

Simulated trigger: Arrival delay ≥ 2 hours

Try the simulation

Protection concepts coming later

Tell us what you want next — tap a pack in the app to be notified first.

LRT Disruption

Simulate a benefit when your train is disrupted

Rainy Day

Explore a weather-triggered payout concept

Front Row

Concert and festival protection concept

Gadget Guard

Phone, camera and laptop protection

Night Out

12 hours of cover for the messy ones

Race Day

Marathons, trail runs and triathlons

Digital Nomad

Monthly health + gear for long stays

Prices shown in Malaysian ringgit. LYFL is currently a product beta. Insurance products, prices, payouts and transactions shown in the beta are simulated and do not constitute active insurance coverage.

Beyond protection

Your Pack’s life admin, handled.

Protection is the starting point. LYFL can grow into the concierge layer around every shared moment.

Preview

Trip checklists

Shared plans and itineraries

Preview

Emergency assistance

Help when plans go sideways

Preview

Travel alerts

Weather and disruption signals

Preview

Event support

Cancellation guidance in one place

Preview

Partner perks

Useful experiences for your Pack

Future concept preview only · not available in beta

Frequently asked questions

LYFL is testing short-duration protection concepts for moments such as a flight, ride or trip. During beta, selections and prices are illustrative, no policy is issued and no money changes hands.

Join the Malaysia Beta

Create your LYFL profile, get simulated Beta Credit, start a Pack and invite your crew. No money changes hands during the beta.

Join the Malaysia Beta