Introduction

Imagine the possibility of gaining wealth with just a small contribution monthly.

IKHLAS Premier Investment-Linked Takaful provides you peace of mind with proper financial protection to invest in any of our 3 investment funds, namely Growth fund, Balance Fund and Fixed Income Fund.

What does IKHLAS Premier Investment-Linked Takaful cover?

An Opportunity to Gain Greater Income
With just RM100.00 a month, you are on the way to secure the future that you want with the financial protection that you need in case of any mishap that could lead to death or TPD (Total & Permanent Disability).

Death or TPD Benefits*
In the event of death or TPD or the participant, 100% of the Sum Covered plus the accumulated amount in all unit funds are payable to the participant or next of kin.
* Subject to terms and conditions.

Lien Provision
In the event of death of the participant prior to attaining the age of five (5) years (on the next birthday), and subject to the terms and conditions of the Certificate, the Sum Covered (SC) will be payable per following schedule:

	Age at Death / PD ( Next Birthday ) Percentage of SC Payable 1 Year 20 % 2 Year 40 % 3 Year 60 % 4 Year 80 % 5 Years and above 100 %

Why IKHLAS Premier Investment-Linked Takaful?

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.
* A withdrawal fee is applicable (maximum of RM50.00) for each transaction.

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 annual contribution for each year.

Termination
The certificate shall terminate upon surrender or upon the participant attaining age of 80 years old or when payment of the death or TPD benefit is made.

Switching Fee (per certificate year)
First switching : FREE
Subsequent switching : RM50.00 per switch

Age and Issue Limits
Issue Ages : Certificate Owner : 18-60 years, age next birthday.
Participant : 1-60 years, age next birthday.
Issue Limits : Minimum Annual Contribution – RM1,200.00.
Maximum contribution is subject to underwriting decision.
Expiry Age : Upon participant attaining age 80 years old, age next birthday.
Sum Covered : Minimum SC - 5 x Annual Contribution (or equivalent to RM6,000.00)
Maximum SC – 50 x Annual Contribution (subject to underwriting decision)