Executive20

Executive20

Enjoy life to the fullest with guaranteed benefits

Nobody can predict what tomorrow brings. But instead of leaving your loved ones’ future to chance, you can take proactive steps to ensure their financial security. Start your preparation with Executive20, a unique Family Takaful plan that offers guaranteed protection and annual cash payment. In an uncertain world, it’s a great way to show them you care, while ensuring your own peace of mind.

  • English

    Why should I choose this plan?

    You only need 5 reasons to choose Executive20!

    Executive20 - Annual Cash Payout

    Annual Cash Payout

    Earn Annual Cash Payouts from the Participant Risk Investment Account (PRIA) from the end of the 2nd certificate year onwards until your certificate matures; with the flexibility to choose the payout option amounting to 2%, 4% or 6% of the Basic Sum Covered.

    Executive20 - Guaranteed Takaful Coverage

    Guaranteed Takaful Coverage

    Your family and loved ones will be financially protected should the unexpected happen to you. Get Guaranteed Death Benefit up to age 90, and Guaranteed Total Permanent Disability (TPD) up to age 75 from the Participant Risk Investment Account (PRIA).

    Executive20 - Maturity Benefit

    Maturity Benefit

    Receive the Maturity Benefit, which is equal to the Participant Investment Account (PIA) value when your certificate matures.

    Executive20 - Enhanced Coverage Options

    Enhanced Coverage Options

    With optional supplementary benefits offers, you can optimise your protection against unexpected events such as Critical Illnesses, Death or Total Permanent Disability.

    Executive20 - Conversion Option

    Conversion Option

    You can extend your protection with selected Zurich Takaful products after your certificate matures, with no health evidence required!

    Note: Terms and conditions apply.

    How does this plan work?

    The diagram is for illustration purposes only, which is based on the following criteria:

    Basic Sum Covered: RM100,000
    Cash Payout Option: 2% of Basic Sum Covered
    Age Last Birthday: 35 Years Old
    Monthly Contribution: RM374.67
    Coverage Term: 20 years

    1Based on assumption of 5% return every year. PIA value is based on the actual performance and it is not guaranteed.

    Executive20 - How Does This Plan Work

    Who is eligible for this plan?

    Anyone between 30 days till 65* years old is eligible to participate in the Executive20 plan. Age is based on Age Last Birthday (ALB).

    *Only applicable for 20 years of basic coverage term.

    Contact us.

    Zurich Takaful operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru’ (donation) will be deducted to the PRIA, where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant and Zurich Takaful at a 50:50 ratio based on Hibah contract. The investment profit earned on the PIA is derived from the return on underlying assets and Zurich Takaful charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders.
  • Bahasa Malaysia

    Kenapa saya perlu pilih pelan ini?

    5 sebab untuk memilih pelan Executive20!

    Executive20 - Annual Cash Payout

    Bayaran Tunai Tahunan

    Perolehi Bayaran Tunai Tahunan daripada Akaun Pelaburan Risiko Peserta (APRP) bermula dari penghujung tahun ke-2 sijil sehingga sijil matang; dengan fleksibiliti untuk memilih bayaran berjumlah 2%, 4% atau 6% dari Jumlah Asas Dilindungi.

    Executive20 - Guaranteed Takaful Coverage

    Manfaat Perlindungan Yang Dijamin

    Keluarga dan orang tersayang akan dilindungi dari segi kewangan jika berlaku perkara di luar jangkaan. Dapatkan Manfaat Kematian Yang Dijamin sehingga umur 90 tahun dan Hilang Upaya Keseluruhan Dan Kekal (HUKK) Yang Dijamin sehingga umur 75 tahun daripada Akaun Risiko Pelaburan Peserta (ARPP).

    Executive20 - Maturity Benefit

    Manfaat Tempoh Matang

    Dapatkan Manfaat Kematangan yang bersamaan dengan jumlah nilai Akaun Pelaburan Peserta (APP) apabila sijil matang.

    Executive20 - Enhanced Coverage Options

    Pilihan Perlindungan Yang Dipertingkatkan

    Dengan tawaran beberapa pilihan manfaat tambahan, anda boleh mengoptimumkan perlindungan anda untuk perkara yang tidak dijangka seperti Penyakit Kritikal, Kematian atau Hilang Upaya Keseluruhan dan Kekal.

    Executive20 - Conversion Option

    Pilih Untuk Terus Dilindungi

    Anda boleh mengambil pelan-pelan perlindungan Zurich Takaful yang terpilih setelah tamat tempoh sijil, tanpa sebarang bukti kesihatan diperlukan!

    Nota: Tertakluk kepada terma dan syarat.

    Bagaimanakah pelan ini berfungsi?

    Diagram hanyalah untuk tujuan ilustrasi sahaja, berdasarkan kepada kriteria-kriteria di bawah:

    Jumlah Asas Dilindungi: RM100,000
    Pilihan Bayaran Tunai Tahunan: 2% Daripada Jumlah Asas Dilindungi
    Umur Tarikh Lahir Sebelum: 35 Tahun
    Jumlah Caruman Bulanan: RM374.67
    Tempoh Perlindungan: 20 tahun

    1Berdasarkan kepada andaian 5% pulangan setiap tahun. Nilai APP ini adalah berdasarkan prestasi dana yang sebenar dan ianya tidak dijamin.

    Executive20 - Bagaimanakah Pelan Ini Berfungsi

    Apakah syarat kelayakan menyertai pelan ini?

    Sesiapa yang berumur di antara 30 hari sehingga 65* tahun layak mendapatkan pelan Executive20. Umur adalah berdasarkan Tarikh Lahir Sebelum.

    *Hanya tersedia untuk tempoh perlindungan asas selama 20 tahun.

    Hubungi kami.

    Zurich Takaful beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah Tabarru’ akan dimasukkan ke dalam APRP di mana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar daripada APRP hanya untuk kerugian yang dilindungi, dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan Zurich Takaful mengikut nisbah 50:50 berdasarkan kontrak Hibah. Keuntungan daripada pelaburan yang diperolehi daripada APP adalah berdasarkan kepadaaset yang disandarkan dan Zurich Takaful akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam APP ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai akan kekal di dalam APP untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam APP dengan pemegang saham.

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