INTRODUCTION

Imagine the possibility of gaining wealth with just a small contribution monthly without the worry of losing it?

IKHLAS PREMIER INVESTMENT-LINKED provides just that with proper financial protection at the same time with the option of three (3) types of funds namely the Growth Fund, Balance Fund and Fixed Income Fund.

WHAT DOES IKHLAS PREMIER INVESTMENT-LINKED HAS TO OFFER?

1. A Chance to Gain Greater Income
With just RM100 a month you are on your 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).

2. Death or TPD Benefits*
In the event of TPD or death of the participant, 100% of the Sum Cover plus the accumulated amount in the PIA (Personal Investment Account) are payable to the participant or next of kin.

* Subject to terms and conditions.

3. Lien Provision
In the event of death of the participant prior to attaining the age of five (5) years (on 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?

1. Cash Withdrawal
Minimum amount of withdrawal is RM 500.00*. Partial withdrawal is subject to a minimum balance of RM 3,000.00 in the PIA.

* A withdrawal fee is applicable ( maximumof RM 50) for each transaction.

2.Top-Up Option
Top up contribution is allowed from the commencement of the certificate, subject to the following condition:
Minimum Amount:   RM 500.00
Maximum Amount: 5 time’s annual contribution for each year

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 switch

5. Age and Issue Limits
Issue Ages: Certificate Owner 18 - 60 years, age of next                              birthday.
Participant:   26 - 60 years, age of next birthday.

Contribution Limits:    
Minimum:       RM1,200.00.
Maximum:      Contribution is  subject to  underwriting decision.

Expiry Age:                       
Upon participant attaining 80 years old, age of next birthday.

Sum Covered Limits:  
Minimum Sum Covered
 -Age 26 to 35 is 50 x Yearly Contribution
 -Age 36 to 45 is 35 x Yearly Contribution
 -Age 46 to 55 is 25 x Yearly Contribution
 -Age 56 above is 15 x Yearly Contribution
Maximum Sum Covered 
 - 50 x Yearly  
Contribution (subject to underwriting decision)

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 as we believe in providing “ease of doing business” to our most important partner – our Customers.

We apply the contract of Tabarru’ where the 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.

"ENJOY MOST PROFIT WITH IKHLAS PREMIER INVESTMENT – LINKED TAKAFUL"