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Benefits & Privileges

Benefits & Protection Freedom & Flexibility Benefit & Discounts
Benefits & Protection
Freedom & Flexibility
Benefit & Discounts


Entry age: Based on the age of your last birthday basis

Entry age limit

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*

*Maximum entry age for TPD benefit is 69 years old.


Contract term:


This plan provides 4 options of expiry term for you to choose from:


  • Expiry at age 70
  • Expiry at age 80
  • Expiry at age 99
  • Contract term for 30 years

Basic Tabarru' Discount

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%


Any benefit payable will be subject to the deduction of indebtedness (if any).


TPD coverage will expire at the contract monthly anniversary immediately following the person covered’s attainment of age 70 and subject to maximum aggregate limit of RM8,000,000 per person.


Any increase in sum covered due to the protection booster does not entitle to this discount.

Important Notes

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


Sun Life Malaysia Takaful Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). Protection by PIDM on benefits payable from the unit portion of this certificate/policy/contract is subject to limitations. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit



The description of the features and benefits of the takaful product herein is not a contract/certificate 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/Certificate Document of Sun Life Malaysia Takaful Berhad Registration 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.