INTRODUCTION

Now, with just a single contribution, you have an opportunity to gain a more lucrative return on your investment through IKHLAS Capital Investment-Linked Takaful, a plan that provides both capital appreciation and protection at the same time. There are three (3) types of funds for you to invest in namely Growth Fund, Balance Fund and Fixed Income Fund.

WHAT DOES IKHLAS CAPITAL INVESTMENT-LINKED HAVE TO OFFER

1. Higher Return & Protection on Your Investment Starting with a one time RM5,000.00 investment, you are making the first step in prudent financial planning with the coverage that you need in case of any mishaps that leads to death or Total & Permanent Disability (TPD).

2. Death or TPD Benefits* In the event of death or TPD of the participant, 100% of the Sum Cover (equivalent to 125% of the single contribution plus top-up amount less withdrawal or the accumulated fund value in all unit funds, whichever is higher)is payable to the participant or next of kin.

* Subject to conditions.

WHY IKHLAS CAPITAL INVESTMENT-LINKED TAKAFUL?

1. Cash Withdrawal
Minimum amount of withdrawal is RM500.00. Partial withdrawal is subject to a minimum balance of RM3, 000.00 in all unit funds.

The charges for withdrawal transactions are as follows (subject to a maximum charge of RM50.00 per withdrawal):

2. Top-Up Option
Top-up contribution is allowed from the commencement of the certificate, subject to the following condition:
Minimum Amount: RM500.00
Maximum Amount: 5 times single contribution for each year
The top-up contribution will be used to purchase additional investment units and/or additional coverage.

3. Termination
The certificate shall terminate upon surrender or when payment of the death or TPD benefit is made.

4. Switching Fee
(per certificate year)
First switching: Free
Subsequent switching: RM 50.00 per switching

5. Age and Issue Limit
Issue Ages: Certificate Owner: 18 – 60 years, age of next                       birthday.
Participant:    1 – 60 years, age of next birthday.
Issue Limits:   Minimum - RM5,000.00.
                       Maximum - subject to underwriting decision in                        multiple of RM500.00.
Expiry Age:   Upon participant attaining 80 years old, age of                        next birthday.
Sum Cover:   125% of single contribution plus top-up amount                        less withdrawal or the accumulated fund                        value, whichever is higher. 

WHY TAKAFUL IKHLAS?

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

We apply the contract of Tabarru’ where participants donate a pre-determined percentage of contribution to the risk fund to provide assistance to fellow participants. Our Wakalah Model (Takaful IKHLAS Model) ensures that participants also benefit from investment and surplus in the risk fund. Our Takaful IKHLAS Model allows a bigger portion of the participant’s account to be utilized for investment purposes, which gives a more optimized rate of return. It also provides for more frequent allocation of surplus to the participant’s investment account. Immediate reinvestment of these investment income and surplus will in turn provide a better total return to the participants.

"ONE INVESTMENT TO LAST YOU A LIFETIME"