Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy
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You are here: Home > Family Takaful > IKHLAS Capital Investment-linked Takaful Plus

INTRODUCTION

IKHLAS Capital Investment-Linked Takaful Plus is a single contribution investment-linked plan that provides you the opportunity to maximise your investment returns whilst enjoying takaful protection at the same time. You may start out with a single lump sum amount and top-up at anytime to reap potentially higher investment returns.

WHAT DOES IKHLAS CAPITAL INVESTMENT-LINKED TAKAFUL PLUS COVER?

Death or Total and Permanent Disablement (TPD)

In the event of death or total and permanent disablement (TPD) of the Participant, whichever is earlier, within the term of the Certificate, the higher of the following:

i. 125% of the Single Contribution, plus Top-up Contribution, less Cash Withdrawal, or
ii. Accumulated Net Asset Value (NAV) of the Units

shall be payable to the Participant (in the event of TPD) or the next of kin or nominee (in the event of death).

TPD will only cover Participants aged 65 years old and below and it is based on “Own or Suited Occupation” definition and the benefit is payable subject to :

i. The total permanent disability claim is confirmed
ii. The contributions are not overdue

(This Benefit is Guaranteed by Risk Fund)
Maturity Benefit

The amount accumulated in the Unit Fund (after deducting any charges) will be payable to you upon maturity of the Certificate.

(This Benefit is not guaranteed)

Surrender Benefit

Upon surrender of your Certificate, you will receive the amount accumulated in the Unit Fund minus the surrender charges.

(This Benefit is not guaranteed)


WHY IKHLAS CAPITAL INVESTMENT-LINKED TAKAFUL PLUS?

1. Cash Withdrawal
The Participant may request a partial cash withdrawal at any time before maturity of your Certificate. On each and every partial cash withdrawal, sum covered will be reduced proportionally.

The cash withdrawal is subject to a minimum withdrawal amount of RM500 and a minimum balance of RM 5,000 in the Unit Fund.

2. Top-up Contribution
Top-up contribution is allowed from the commencement date of the Certificate, subject to the minimum amount of RM 500.

The top-up contributions will be used to purchase additional investment units.

 

WHY TAKAFUL IKHLAS?

Takaful Ikhlas Sdn. Bhd. (Takaful IKHLAS) is a wholly-owned subsidiary of MNRB Holdings Berhad. Our business operations and management are in accordance with Shariah principles. We stress on ensuring equity and fairness in all our dealings as we believe in providing “ease of doing business” to our most important partner – our Customers.

In line with international and local developments in the practice of Islamic financial protection services, Takaful IKHLAS has adopted the Wakalah contract as our system and have modelled our operations accordingly. Wakalah is a form of representative relationship between Takaful IKHLAS and a Participant (Principal/Customer).

Takaful IKHLAS employs the following contract to govern our business:

  • Tabarru shall mean donation for the purpose of solidarity and cooperation among the Participants and to be used to help Participants in times of misfortune. In the context of Takaful IKHLAS, Tabarru’ will be allocated into the Risk Fund.
  • Wakalah shall mean agency. In this context, it refers to a contract between the Company and the Participants where the Participant authorises the Company to manage the fund on his/her behalf, which allows the Company to charge a Wakalah fee.



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Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy

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A wholly-owned subsidiary of MNRB Holdings Berhad.

Takaful Solution Provider in Malaysia - auto insurance, auto takaful, car insurance, education plan, fire insurance, health insurance, home insurance, home takaful, hospitalization benefit, insurance, medical protection, motor, motor insurance, motor takaful, mrta, mrtt, personal accident, takaful, takaful provider, travel insurance, motor policy