Sun Istismar Extra

This plan provides valuable benefits to you and your loved one in the event of death or total and permanent disability (TPD¹). You can further boost your takaful protection with a wide range of 9 optional riders².

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• Additional 5% of the Basic Sum Covered (BSC) for death/TPD upon the completion of every 5 contract years, up to 20% of the BSC.
• Protection booster will be paid when any of the following happens - death, TPD¹, or as the final benefit when the person covered survives until the end of contract term (age 99).

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• Flexibility to choose different expiry term to best suit your financial needs, up to age 70, 80, 99, and fixed term of 30 years.
• Extension of takaful coverage is applicable for coverage term up to age 70, 80 or fixed term of 30 years. Upon expiration of the selected contract term, the takaful coverage will be automatically extended up to age 99, subject to additional contributions requirements. No underwriting is required for this extension of takaful coverage.

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.

Up to RM10,000 is payable in one lump sum as the compassionate benefit or cost of arrangement for badal hajj³ in the event of death of the person covered or the person covered’s immediate family.

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• Loyalty Reward⁴: Extra 3% of takaful annualised contribution will be allocated into Investment Account 2 at the end of every 3 contract years until the end of the contract term including the extension takaful coverage of up to age 99.
• Gratitude Gem⁴: 2% of initial BSC or current BSC (excluding protection booster), whichever is lower, or maximum of RM10,000, will be payable in one lump sum to contract holder at the end of 20th contract year.

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• Should the person covered survive until the end of the contract term (age 99), the total sum covered (BSC and protection booster) plus the total account value, less any indebtedness, will be payable.
• This is also applicable for contract term up to age 70, 80 and fixed 30 years with the extension of takaful coverage up to age 99.