IKHLAS Lifestyle

Introduction The unexpected circumstances in life, many a time affect our well-being. Realizing this fact, Takaful IKHLAS has created a plan that helps to mitigate those painful and unpleasant experiences. IKHLAS LIFESTYLE TAKAFUL is an individual level of indemnity and an investment type plan that participates in profit, which will be distributed back to the participants. This plan product provides protection against death and total and permanent disability of the participant prior to the certificate’s maturity. The certificate duration ranges from 5 to 42 years and contributions are payable until maturity of the certificate. Customised to provide you with a secure ground, the plan will also protect you and your loved ones, against the unpredictable capricious expectations. The maturity benefit is the accumulated contribution (net of any charges) in the Personal Investment Account (PIA). What does IKHLAS Lifestyle cover? Death & Total Permanent Disability (TPD) Benefit - In the event of death or TPD of the participant within the term of the certificate, the Sum Covered (SC) plus the accumulated amount in the PIA are payable to the participant’s nominees or next of kin. An additional Funeral Expense benefit of 10% of SC, subject to a maximum of RM10,000.00 is payable to the next of kin in the event of participant’s death. Note: In the event of TPD, the benefits are payable to the participant. Maturnity Benefit Upon maturity of the certificate, participant will receive the accumulated amount in the Personal Investment Account (PIA).

Why IKHLAS Lifestyle? Healthy Lifestyle The participant shall be entitled for a free medical check-up at the end of every five (5) certificate years, subject to a maximum of three (3) check-ups throughout the certificate term. Takaful IKHLAS will determine the type of check-up that participants are entitled, as deemed fit and suitable. For favourable result(s) from every medical check-up, the Participant will be granted an additional FREE SC of RM1000.00 for each every initial RM10,000.00 SC. However, should the result(s) be unfavourable, no additional cover shall be granted. Cash Withdrawal Partial cash withdrawals from the PIA are allowed after the certificate has been in force for a minimum number of five (5) years. Only three (3) withdrawals are allowed during the lifetime of the certificate. Subsequent withdrawals must satisfy a minimum gap period of two (2) years between withdrawals. A transaction fee of RM15.00 is chargeable from the PIA for each transaction. Top-Up Contribution Option  Top-up contributions are allowed from the commencement of the certificate. The amount of top-up shall be subject to a minimum of RM50.00 per top-up. This top-up amount shall be solely allocated to the PIA. Conditions: In reference to the total permanent disablement of the participant, the benefit payable is subject to an elimination period of six (6) months, provided that : (i) The total and permanent disability claim is confirmed (ii) The total and permanent disablement is based on "any occupation" definition (iii) The contributions are not overdue Term and age limit Issue Ages : 18 – 55 years old (age of next birthday, male/female) Issue Limits : Minimum – RM50,000.00 Sums Covered Maximum – Subject to underwriting decision (in multiples of RM10,000) Expiry Age : Upon attaining 60 years old Protect your future while enjoying better returnsOur IKHLAS Model allows a bigger portion of your account to be utilized for investment purposes, which gives you a more optimized rate of return. It also provides for more frequent allocation of investment income and surplus to the participant’s investment account. Immediate reinvestment of these investment income and surplus will in turn provide a better total return.