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 Premier Investment-Linked Takaful Plus

 

INTRODUCTION

IKHLAS Premier Investment-Linked Takaful Plus is our regular contribution investment-linked plan that offers two-in-one; a comprehensive takaful protection plan against unexpected events with a long-term investment growth potential at the same time. It’s the ideal plan to meet both your wealth protection and wealth accumulation needs at the same time.

WHAT DOES IKHLAS PREMIER INVESTMENT-LINKED TAKAFUL PLUS COVER?

Death or Total and Permanent Disablement (TPD)

In the event of death or total and permanent disablement (TPD), 100% of the sum covered plus the value of units attached to your Certificate in all the funds are payable to your nominees or your next of kin (for death cases) or to you (for TPD case).

Should death or TPD occur before the Participant reaches age 5 at the next birthday, the amount payable will be as follows:

Age at
Death/TPD
(Next Birthday)


1 Year

2 Years

3 Years

4 Years

5 Years and above

Percentage
of Sum
Covered Payable


20%

40%

60%

80%

100%

(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 your 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 CHOOSE IKHLAS PREMIER INVESTMENT-LINKED TAKAFUL PLUS?

1. Prompt Payment Reward
You will be granted an additional Sum Covered of 10% of your original Sum Covered, without additional contribution, at the end of third (3rd) Certificate year and every subsequent three (3) years thereafter for a maximum of fifteen (15) years.
(This Benefit is guaranteed by Risk Fund)

2. Loyalty Benefit
You will be entitled for Loyalty Benefit at the end of tenth (10) Certificate year and every subsequent three (3) years thereafter. Loyalty Benefit shall be used to purchase units in each of the Investment-linked Funds and allocation shall be in accordance with the allocation of the prevailing units.
(This Benefit is guaranteed by Risk Fund)


3. Maturity Benefit Options
Upon maturity of the Certificate, you have the option to choose the mechanism of receiving the maturity benefit payment of either a lump sum or you can request for the monthly withdrawal within a stipulated time frame.


4. Cash Withdrawals
The Participant may request a partial cash withdrawal at any time before maturity of 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 RM 500 and a minimum balance of RM 3,000 in the Unit Fund.


5. Top-up Contribution
Top-up Contribution is allowed from the commencement date of the Certificate. For each Certificate, the amount allowed being topped up is subject to a minimum amount of RM 500.00 per top-up and 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