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Comprehensive and Customisable Coverage¹
This plan provides benefits to you and your loved one in the event of death or total and permanent disability (TPD2). You can further boost your takaful protection with a wide range of 7 optional riders including:
Extra coverage with protection booster as a loyalty reward
Boosts your sum covered by 5% of the basic sum covered upon the completion of 5 contract years up to 20% of the basic sum covered. The protection booster will be paid upon death, total and permanent disability (TPD²) or as a final benefit when the person covered survives until the end of contract term (age 99).
Manage your investment, your way
Enjoy the flexibility of choosing from a wide range of Shariah-compliant investment-linked funds locally or globally according to your risk tolerance level and investment needs. In addition, you may choose how your money is invested by switching funds anytime, at no extra charge (fund switching fee waived). You have the freedom to perform scheduled or single top-up contribution to boost your investment return.
Flexible Expiry Terms
Flexibility to choose different expiry term to best suit your financial needs, up to age 70, 80, 99, and contract term of 30 years. Extension of takaful coverage (only applicable to expiry term up to age 70, 80 and contract term of 30 years). Upon expiration of the contract, the takaful coverage will be extended up to age 99, subject to additional contributions requirements.
No underwriting is required for this extension of takaful coverage.
Final Benefit (Applicable to the contract expiry at age 99)
Should the person covered survive until the end of the contract term (age 99), the total sum covered (basic sum covered and protection booster) plus the value of the investment account, less any indebtedness, will be payable.
Basic Tabarru' Discount³
Enjoy a discount on the basic tabarru’ when you select a higher sum covered.
Please refer below for Basic Tabarru’ discounts.
Entry age: Based on the age of your last birthday basis
| Contract Term | 30 years | Expiry age 70 | Expiry age 80 | Expiry age 99 |
|---|---|---|---|---|
| Minimum age at entry | 18 years old | 30 days old | 30 days old | 30 days old |
| Maximum age at entry | 40 years old | 50 years old | 60 years old | 70 years old* |
| Sum Covered (RM) | Discount on basic tabarru' |
|---|---|
| Less than or equal to RM 499,999 | 0% |
| RM 500,000 - RM 999,999 | 10% |
| RM 1,000,000 - RM 2,499,999 | 15% |
| RM 2,500,000 onwards | 20% |
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