| Securing a brighter future for your ‘Little Me’ |
| It’s indeed a brand new chapter in life as you welcome the arrival of your first bundle of joy! You begin to plan what’s best for them. Yes, a good higher education is the most perfect gift that you could ever give to your child, providing them the key to endless wide career opportunities in life, yet at the same time it can be the most costly gift too. |
| Nonetheless it is never too late to start saving for your children’s higher education. You can achieve that sound financial plan to overcome that ever increasing cost of education by participating in Takaful myGraduan. Takaful myGraduan is a unique Shariah-compliant structured investment-linked plan that provides both comprehensive protection and savings for you and your child even in the event of uncertainties. |
| As low as RM100 per month or RM1,200 a year, you can now start to build your children’s higher education fund with a peace of mind. What are you waiting for? Start securing a brighter future for your children TODAY! |
| What are the benefits provided? |
| In the event of Death or Total and Permanent Disability (TPD) of Participant, the higher of guaranteed Sum Covered or Net Asset Value (NAV) of the investment funds will be paid to the nominee to execute disbursement to the beneficiaries. |
| You can choose the Sum Covered amount based on the Contribution you would like to pay, subject to a minimum forty (40) times of the takaful Contribution (please refer to Exhibit 1 for calculations of Takaful Contribution and Investment Contribution). |
| If Option 1 of benefit payment is selected: During staggered payment period, a predefined percentage of the NAV of the investment funds at the next valuation date after the payment due date less any indebtedness will be payable (for the final payment at maturity) to the Participant. |
| If Option 2 of benefit payment is selected: On maturity, the NAV of the investment funds at the next valuation date after the maturity date less any indebtedness will be payable to the Participant. |
| The NAV of investment funds are not guaranteed and based on the actual performance of the fund. Please refer to the Certificate for detailed descriptions of benefits covered under this plan. |
| Who is eligible to participate? |
| Children who are between 30 days old to age 15 are eligible to participate in Takaful myGraduan (subject to underwriting assessment). Your children will further enjoy the benefits up to expiry age of 22. |
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