Sun Legacy Shield

• Flexibility to choose the contribution and contract term that best suits your affordability and protection needs.
  • Contract term up to age 70, 80, 99, with contribution term of 10 or 20 years.
• Extension of takaful coverage (only applicable for contract term up to age 70 and 80).
  
  Upon expiration of the selected contract term, the takaful coverage will be automatically extended up to age 99, subject to additional scheduled top-up contributions requirements. No underwriting is required for this extension of takaful coverage.

• In the event of death/TPD¹, you or your loved ones will receive the higher of:
  • the total sum covered (the Basic Sum Covered (BSC) plus the protection booster); or
  • the total account value;
    less any indebtedness.

• In addition to the death benefit payout, a lump sum of RM10,000 will be payable as compassionate benefit.
• Additional up to 300% of BSC will be payable on top of the death/TPD benefit if there is an unfortunate accidental death²/TPD¹ or accidental death³/TPD¹ in country other than Malaysia⁴.

More Information ^{1, 2, 3 , 4}

Basic takaful contributions will be 100% allocated into the Investment Account 1 whereas top-up contributions are 100% allocated into the Investment Account 2.

This plan provides extra coverage with protection booster as a loyalty reward which boosts your BSC by 5% of the BSC upon the completion of every 5 contract years, up to 20% of the BSC.

0.1% of the lower of the initial BSC or current BSC at the end of every 2 contract years, starting from the end of the 6th contract year will be 100% allocated into the Investment Account 1. 

More Information ⁵

(Only applicable to the contract term at age 99)

Should the person covered survive until the end of the contract term (age 99), the higher of:

• the total sum covered (the BSC plus the protection booster); or
  
• the total account value;

less any indebtedness, will be payable.

A thoughtful feature designed to support your legacy planning, ensuring your benefits are passed on according to your wishes. You may choose to have the payout made as a lump sum, in staggered payments, or a combination of both, helping to support them in a way that best suits their needs.

In addition, this option allows for special arrangement payouts, providing timely financial support during key life events, so your loved ones can continue moving forward with confidence and peace of mind.

This option is subject to the eligibility criteria outlined in the contract document.