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Features & Benefits

Death Benefit
TPD Benefit
Refund of Contribution Rider (Optional)


Open to all customers of CIMB who sign up for business financing

Entry Age Limit (age as at last birthday)
Minimum Entry Age: 18 years old

Maximum Entry Age: 65 years old

Expiry Age: 70 years old
Minimum Entry Age: 18 years old

Maximum Entry Age: 60 years old

Expiry Age: 70 years old
Certificate Term Minimum Term: 3 years

Maximum Term: 40 years (inclusive of the deferment period. Certificate will still expire once the person covered reaches 70 years old, even if the maximum term has not yet been reached.)

Minimum Term: 10 years (including deferment period)

Maximum Term: 20 years, plus a maximum of 5 years for the deferment period, if any.

Deferment Period

Minimum Term: 0 year

Maximum Term: 5 years

Minimum Term: 0 year

Maximum Term: 5 years

Sum Covered

Minimum Sum Covered: RM10,000

Maximum Sum Covered: No limit. Subject to underwriting should the Sum Covered exceed RM550,000.

Sum Covered for Rider is equal to the rider contribution.

Important Notes

This product is managed by Sun Life Malaysia Takaful Berhad No. 200501012215 (689263-M) (“Sun Life Malaysia”), a Takaful Operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013.

Sun Life Malaysia is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits covered under the takaful certificates offered by Sun Life Malaysia are protected against loss of part or all of the Takaful benefits by PIDM, in the unlikely event of a Takaful Operator member failure. For further details of the protection limits and the scope of the coverage, please visit the PIDM website ( or call the PIDM toll free line at 1-800-88-1266.


The description of the features and benefits of the takaful product herein is not a contract of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract Document of Sun Life Malaysia Takaful Berhad No. 200501012215 (689263-M), the Takaful Operator.

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator.

The Bank merely acts as a distributor for this takaful product.


This takaful product is the Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product.

 Terms and Conditions apply.