i-Wealth Gain Takaful

Key Features

Highlights of i-Wealth Gain:

100% Contribution Allocation

• Wide range of investment-linked funds according to your risk appetite, with 100% contribution being allocated into your Participants’ Investment Fund (PIF) account to unlock full growth of potential.

Short-term contribution, Lifelong Protection

• Contribute for just 3 years and enjoy essential protection up to 100 years old¹.

10% Extra Fund Booster²

• Receive extra 10% Fund Booster of your annual contribution at the end of 3rd year when you complete your payment commitment.

Simple and hassle-free enrolment

• High guaranteed issuance limit with no medical underwriting up to RM500,000 of annual contribution.

Great Flexibilities

• Free partial withdrawal of your account value that is in excess of total of contribution paid and ad hoc top-ups (if any)
• Unlimited fund switching in accordance to market trends at no cost
• Ad hoc top-up to maximise potential investment return

Hibah – Gift of Love

• Allow your loved ones to receive the accumulated wealth under the plan as conditional hibah (gift).

Death Benefit

• If the person covered passes away, we will pay the higher of the certificate account value in the PIF or Prevailing Sum Covered (PSC).
  
  The PSC will be your sum covered minus any partial withdrawals³ plus 95% of any ad-hoc top-ups⁴.
  
  Sum Covered (SC) is a percentage of total contribution paid, as follows:

  Certificate Year	Entry Age
  	14 days – 55 ANB	56 - 70 ANB
  1 and 2	100%	100%
  3 and above	130%	105%

  
  Juvenile lien is applicable, wherein if the death of the person covered occurs before age 5 next birthday, the SC will be reduced based on the following:

  Age Next Birthday (ANB)	% of SC
  1	20%
  2	40%
  3	60%
  4	80%

Maturity Benefit

• At maturity, 100% of the certificate account value in the PIF will be payable.

Surrender Benefit

• The certificate account value in the PIF after deducting surrender charge (if any) will be payable.

No Lapse Guarantee

• Non-lapse facility is available during the first 3 years provided that:
  1. you’ve paid all your contributions on time; and
  2. you haven’t made any withdrawal (except for withdrawal of gains in the PIF).

Product Footnotes:

1. Age next birthday (ANB).
2. Fund booster will only be payable if there is no partial withdrawal made, and all contributions are paid on time. Fund booster will not increase the PSC.
3. Excluding withdrawal of any gains from PIF during the first 4 certificate years i.e. the amount that exceeds the total of contribution paid and allocated ad hoc top-ups (if any).
4. Ad hoc top-up is a voluntary additional contribution payment to your certificate which will be allocated into the PIF.