Pelan Takaful MyGemilang

A lifetime of financial worry-free

Your lifestyle improves over time – from owning a good car to a better one, from living in a small house to moving to a bigger one and from a simple family to building a complete family. Same goes with your financial protection – it needs to increase accordingly to your lifestyle improvements.

Takaful myGemilang aims to meet your evolving lifestyle needs by attending to your immediate financial concerns! Your protection on Death and Total & Permanent Disability (TPD) will increase at least 10% every five years up to 200% (for a 30-yearterm policy). On top of that, you may start to enjoy your savings when you stop contributing*!

What are the benefits provided?

You have the flexibility to select the amount of guaranteed Sum Covered and term to participate. In the event of Death or Total and Permanent Disability (TPD), the Sum Covered and Savings Fund balance will be paid to the nominee to execute disbursements to the beneficiaries.

To ensure that your protection matches the increasing inflation and your personal living standards, the Sum Covered increases every five (5) years as per the following schedule:

Certificate Year % of Initial Sum Covered   10 15 20 25 30 1-5 100% 100% 100% 100% 100% 6-10 110% 110% 110% 110% 120% 11-15   120% 120% 120% 140% 16-20     130% 130% 160% 21-25       150% 180% 26-30         200%

Savings Fund balance will be paid to the Participant on a staggered or lump sum basis upon completion of the Contribution Paying Term and/or maturity of the plan (based on the option selected). Alternatively, it will also be paid out on termination during the Certificate Term; less surrender charges, if applicable.

Savings Fund balance is not guaranteed and based on the actual performance of the fund. Under adverse circumstances, the Savings Fund at maturity or surrender may be less than the sum of Contributions. Please refer to the Certificate for the detailed descriptions of benefits covered under this plan.

Riders Attachable

You can participate in one or more of the following riders to enhance the coverage under this plan:

Takaful Personal Accident Rider Takaful Hospital Cash Benefits Rider

Who is eligible to participate?

Anyone who is between age 18 to age 65 is eligible to participate in Takaful myGemilang (subject to underwriting assessment). You may choose a term of 10, 15, 20, 25 or 30 years of coverage, subject to a maximum expiry age of 80.