Affordable Term Takaful with Worldwide Coverage & Flexible Payments - Takaful Term 80

• 24-hours protection with worldwide coverage.
• Affordable & level contribution¹ until maturity.
• Provides guaranteed coverage until the age of 80.
• Flexible Payment Channel - Cash, Cheque, Credit Card, Easy Contribution Payment, Auto Debit, Zurich Takaful ATM Machine, Over-the-Counter (Zurich Takaful Branches or Head Office), BSN Giro, ²Public Sector Bank Standing Instruction, Internet Banking and ePayment facility.
• Provide financial security to your family.
• The contribution made may qualify for a personal tax relief maximum up to RM6,000 a year (subject to the final decision of Inland Revenue Board (IRB) of Malaysia).
• Surplus Sharing — every Participant is entitled to share the surplus if any, from the Risk Fund with the Takaful Operator based on a 50:50 sharing ratio. This is not guaranteed and subject to terms and conditions.

Notes :

¹ Contribution is anticipated to be level until maturity and it is not guaranteed. The Company reserves the right to revise the contribution by giving 3 months notice.

² Additional 2% will be added to the Wakalah Fee for payment under Public Sector.

Takaful Term 80 offers a guaranteed coverage on Death and Total and Permanent Disability up to age 80. In addition, it focuses on a pure protection and a level contribution until maturity. It has the following benefits:

Notes :

¹ Sum Covered for Death benefit, TPD benefit, and benefits provided by the rider(s) taken are guaranteed, as long as the certificate is in force in which the PIA balance is sufficient to pay for tabarru' deduction to the Risk Fund. In the event of deficit in the Risk Fund, it would be met through Qardh (interest free loan) from the Takaful Operator.

² PIA value is based on the actual performance of the fund and it is not guaranteed. The investment risk of the PIA fund will be borne solely by the Participant and the value of the fund may be less than the total contributions made to the investment fund.

³ TPD —Total & Permanent Disability

⁴ PRIA is a risk fund where the tabarru' (donation) will be credited and is used to help other Participant in times of misfortune.

This plan covers anyone from the age of 30 days old up to 70 years old. However, the Participant/Applicant must be at least 16 years old and above.

Zurich takaful Term 80 plan provides several optional features that can make your future secure. Check them below:

• Critical Illness Plus coverage upon diagnosis of a critical illness.
• Critical Illness Super additional coverage for death, TPD, and critical illness.
• Waiver of contribution in the event of a critical illness.
• Waiver of contribution in the event of Death, TPD or upon diagnosis of a Critical Illness of the parent and spouse.
• Daily cash benefit for hospitalisation due to illnesses or injuries.
• Coverage for accidental death and dismemberment.
• Reimbursement for medical expenses for medical treatment required in the event of an accident.
• Weekly income coverage while the beneficiary is unable to work due to a temporary disability caused by accident.
• Additional coverage for TPD which occurs 90 days from date of accident.
• Khusus Protection. (Provides Funeral Expense)

How do I make my Term 80 contribution?

Zurich takaful offers the convenience of Flexible Payment Channel. Make your Takaful Term 80 contribution by - Cash, Cheque, Credit Card, Easy Contribution Payment, Auto Debit, Zurich Takaful ATM Machine, Over-the-Counter (Zurich Takaful Branches or Head Office), BSN Giro, Public Sector1 , Bank Standing Instruction, Internet Banking and ePayment facility. *Please refer to your Wealth Planner for further details.

What will happen if I do not make my Term 80 contribution?

If your contributions are not made by the due date, your Tabarru amounts will be automatically deducted from your Participant Investment Account (PIA) into the Participant Risk Investment Account (PRIA), until the PIA is insufficient, at which time your Takaful Term 80 Certificate shall lapse. You may reinstate the Certificate by paying RM50 for Reinstatement Fee.

What is the minimum and maximum term of coverage for this takaful life plan?

The minimum term of coverage is 5 years. Meanwhile, the maximum term limit of coverage will be until covered participant's age reaches 80 years old. For example, a covered participant entering with age 67 have a maximum term limit of 13 years.