IKHLASlink SECURE TAKAFUL

A total protection plan customised

to suit your needs

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 A total protection plan customised to suit your needs

This should be on your checklist: a protection plan that can be customised to suit
your lifestyle as well as your wallet. It could be the solution you are looking for;
an affordable plan that covers all of your life and health protection needs that is
flexible enough to change with your needs. It is the solution that works with you,
for you; an intelligent plan that would also help you to potentially maximise the
returns on your hard-earned money.

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 IKHLASlink Secure Takaful
is the answer you are looking for
IKHLASlink Secure Takaful is a comprehensive regular Takaful
Contribution Investment-Linked Takaful plan that combines the best
of both the protection and investment worlds. This plan offers a
holistic package of optional riders covering major health areas such
as critical illnesses, personal accidents, hospitalisation and surgical
benefit, just to name a few. In addition, you only need to participate
in one Takaful Contribution amount to enjoy the entire package1.

One Takaful Contribution to cover all benefits

With just one level Takaful Contribution amount, you can
choose to cover all or only selected optional riders, making
it convenient and hassle-free in budgeting your overall
monthly Takaful Contributions2.

Comprehensive protection plan for unforeseen events

IKHLASlink Secure Takaful comes with Death and Total and Permanent Disability3 (TPD) cover to ensure that
you are always protected, wherever and whenever. In these unfortunate events, the Basic Sum Covered plus
the Net Asset Value (NAV) of the Units in all funds are payable. On the other hand, if you opt to surrender or
hold on to maturity of the Takaful Certificate, the NAV of the Units in all funds is payable.

IKHLASlink Secure Takaful also provides you with a comprehensive range of optional benefits, such as critical
illnesses, accidents, hospital and surgical bills as well as waiver of Takaful Contributions to ensure continuity
of your protection coverage. It is entirely your choice which one you choose to add on to your plan. For
example, you may select only the rider medical card or combine it with coverage for Critical Illnesses for a
wider protection.

Your choice of Investment-Linked funds

You have the freedom to build a healthy investment portfolio for potentially
higher returns4 over the middle to long term investment horizon by choosing
to invest in any of the Investment-Linked funds, depending on your
personal risk tolerance and financial goals. Your investments are managed
by our professional fund managers allowing you to tap into their resources,
investment expertise and experience for your assurance and peace of mind.
You need to be aware that low risk is associated with low potential returns,
whereas high risk is associated with high potential returns. For details of
these funds, please refer to the individual Fund Fact Sheets.

1
Example, with a monthly Takaful Contribution of RM300, you can choose to mix and match coverage for the basic plan and riders.
2
Subject to having sufficient unit balance in the investment account to participate in the optional riders.
3
Before age 65 and subject to a maximum of RM1,500,000 (adult) or RM500,000 (child, 16 years and below) per Person Covered. Standard exclusions
apply for TPD as listed in the Takaful Certificate.
4
Past performance is not a guarantee of future performance. Returns are largely dependent on the market performance. Therefore the value of the
investment/Takaful Certificate benefits may increase or decline based on market conditions. As a result, the balance may rise above or fall below the total
Takaful Contribution made.

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 Investment-Linked funds Other benefits

Affordable monthly Takaful Contribution

Growth Fund from as low as RM80 a month.
The objective of this fund is primarily to invest in Shariah- Flexibility to change the amount of protection
compliant listed equities to provide capital growth over the and investment amounts to match your
medium to long term through a diversified, but growth- current lifestyle.
oriented portfolio. This fund can attract the investor who
Top-up feature to maximise your investment
is mainly interested in growth and willing to accept higher
risk in investment return. Realised gains will be automatically potential. 94.75% of the top-up amount will
reinvested to provide capital growth and will be reflected in be invested into the Investment-Linked funds
increase in the NAV and thus unit prices. of your choice.
Partial cash withdrawals whenever you need
some urgent cash. The chances of lapse will
Balanced Fund
increase if partial withdrawal is exercised.
The objective of this fund is to attain medium to long-term Switch between investment funds based on
capital growth via investments into Shariah-compliant listed your changing risk appetite.
equities, debt securities and other Shariah-compliant assets.
This fund is to provide a balanced mix of income and equities.

Fixed Income Fund

DONT F
ORGET
The portfolio seeks to provide capital preservation over the

!
short to medium term period by investing primarily in the
Malaysian Shariah-compliant fixed income securities and
money market instruments.

Takaful Contribution allocation

The Takaful Contributions paid are based on the following rates per the illustration below (based on annual Takaful Contribution
of RM1,000). The allocated Takaful Contributions will be used to subscribe for units in your selected funds.

Takaful Certificate Year 1 2 3 4 5-6 7-9 10 & Above

Takaful Contribution amount (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Takaful Contribution Allocation 40% 40% 60% 60% 80% 90% 100%
Allocated Takaful Contribution (RM) 400 400 600 600 800 900 1,000

Charges
Some of the units in the investment accounts will be deducted to pay for the fees and charges under the Takaful Certificate.
These include charges for the Basic Sum Covered and the other optional benefits.

Takaful Certificate Year 1 2 3 4 5-6 7-9 10 & Above

Wakalah fee* 60% 60% 40% 40% 20% 10% 0%
Comissions 40% 40% 25% 25% 15% 0% 0%
* The Wakalah fee is inclusive of commission.

If the term is less than 20 years, Takaful IKHLAS will reduce the charges accordingly.

IKHLASlink Secure Takaful is based on the Wakalah Model where the company charges a Wakalah Fee as a percentage of the
Takaful Contributions for administration of the business.

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 Other Charges Exclusions
1. Should the Person Covered, whether sane or insane,
Charges Description commit suicide within one (1) year from the effective
Tabarru Charge Units will be deducted at the
date or die as a result of Acquired Immune Deficiency
Syndrome (AIDS) or other sexually transmitted diseases,
beginning of each month.
no benefit shall be payable under this Takaful Certificate.
Additional charge may be made The Company shall refund the balance from the unit
on sub-standard cases subject to funds and net distributable surplus from the Risk Fund,
underwriting if any, to the Person Covereds next of kin.
Fund Management Fee 1.00% - 1.50% per annum 2. Benefit shall not be payable for TPD occurred directly or
indirectly from any of the following causes:
Switching Fee First five switches free per Takaful
Certificate year; subsequent a. War, invasion, act of foreign enemy, hostilities or
switching at 1% of amount war-like operations (whether war be declared or
switched subject to a maximum of not) or civil war;
RM50 per switch b. Mutiny, riot, military or popular rising, insurrection,
rebellion, revolution, martial law or state of siege,
Takaful Certificate RM72 per annum and RM25 any of the events or causes which determine the
Administration Fee charged upon every top-up proclamation or maintenance of martial law or state
of siege;
Partial Withdrawal Fee 1st year 3% c. Any act of terrorism. For this purpose, an act of
2nd year 2% terrorism means an act, including but not limited to
3rd year 1% the use of force or violence and/or threat, of any
Thereafter 0%, up to a maximum person or group(s) of persons, whether acting alone
of RM50 per withdrawal or on behalf in connection with any organization(s)
or government(s), committed for political, religious,
Surrender Fee RM50 maximum ideological or similar purposes including the intention
to influence any government or organization and/or
Stamp duty RM10 one-off each Takaful to put the public or any section of public in fear;
Certificate d. Cause by or consequent upon suicide or attempted
suicide or willful self-injury or indulgence in alcohol
or narcotics or drugs or insanity or arising from
venereal disease;
e. Disability sustained by the Person Covered whilst
entering, operating or servicing, ascending or
descending from or any other activities relating
Why Takaful IKHLAS? to and including sky diving, parachuting, bungee
jumping, hang-gliding or ballooning or any other
Takaful Ikhlas Berhad (Takaful IKHLAS) is a wholly-owned aerial device, contraption, conveyance except while
subsidiary of MNRB Holdings Berhad and is registered the Person Covered is in an aircraft operated by a
under the Islamic Financial Services Act 2013 and regulated commercial passenger airline on a regular scheduled
passenger trip over its established passenger route;
by Bank Negara Malaysia. Our business operations and f. Disability arising prior to inception of coverage;
management are in accordance with Shariah principles. We g. Any breach of the law by the Person Covered or any
stress on ensuring equity and fairness in all our dealings assault provoked by him;
as we believe in providing ease of doing business h. Person Covered being under the influence of alcohol
to our most important partner our Customers. In line or drugs other than in accordance with the direction
of a registered medical practitioner;
with international and local developments in the practice i. Involvement in any underwater activity necessitating
of Islamic financial protection services, Takaful IKHLAS has the use of artificial breathing apparatus;
adopted the Wakalah contract as our system and have j. Injury caused by nuclear fission, nuclear fusion,
modelled our operations accordingly. Wakalah is a form of nuclear weapon materials or radioactive
representative relationship between Takaful IKHLAS and a contamination;
k. Acquired Immune Deficiency Syndrome (AIDS) and
Person Covered. any AIDS related conditions.

Takaful IKHLAS employs the following contract to govern Note: This list is non-exhaustive. Please refer to the Takaful
our business: Certificate for the full list of exclusions.

a. Tabarru shall mean donation for the purpose of solidarity

and cooperation among the Takaful Participants and
to be used to help the Takaful Participant in times of
misfortune. In the context of Takaful IKHLAS, Tabarru
will be allocated into the Risk Fund.

b. Wakalah shall mean agency. In this context, it refers

to a contract between the Company and the Takaful
Participant where the Takaful 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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 Important Notes
a. The brochure is for general information only. It is not a
contract of Takaful. The conditions disclosed are neither
comprehensive nor exhaustive. You need to refer to the
Product Disclosure Sheet (PDS) and the Benefit Illustration
for further details, both of which can be obtained from
your servicing Takaful agent. You should also consider the
fees and charges involved.
b. Takaful IKHLAS reserves the right to revise the rates, fees
and charges, benefits, terms and conditions. The Takaful
Participant will be informed in writing of the revision.
c. You should satisfy yourself that this plan will serve your
needs and that Takaful Contribution payable under the
plan is an amount you can afford. Participating in an
Investment-Linked plan is a long-term commitment and it
is not advisable to hold the Takaful Certificate for a short
period in view of the high initial cost. You may choose
to cancel your Takaful Certificate by returning the Takaful
Certificate to Takaful IKHLAS within fifteen (15) days after
you have received the Takaful Certificate. Takaful IKHLAS
shall cancel it immediately upon receipt and the refund
amounts shall follow the terms and conditions of the
Takaful Certificate.
d. If at the expiration of the Period of Grace and the payment
of any Takaful Contribution is in default, then the Company
reserves the right to advance an equivalent amount from
the respective account to pay for the Tabarru and the
Takaful Certificate shall be continued in force under PIA
until the amount in the unit funds is less than the Takaful
Contribution needed to pay for the Tabarru. During this
period the Takaful Certificate shall remain in force and if
any Takaful Contribution remains unpaid after the unit
funds amount become insufficient to be advanced any
further, the Takaful Certificate shall lapse and have no
further value.
e. In the event of lapse, reinstatement allowed is subject to
Takaful IKHLAS terms and conditions.
f. The Company will charge a Surplus Administration Charge
(SAC) of 50% of the gross distributable surplus declared
at the end of each Financial Year. The net distributable
surplus (after deducting SAC) from the Risk Fund will be
allocated in full (100%) to the Takaful Participant.
g. If your participation involves a Takaful Contribution of
sizable amount of RM5,000 and above, you should consider
participating in a single Takaful Contribution Investment-
Linked plan rather than a regular Takaful Contribution plan
as it offers better allocation rates for investments.
h. Total amount to be exempted for income tax relief for
Takaful and EPF contribution is limited to RM6,000.
However, this is still subject to approval from the Inland
Revenue Board of Malaysia.
i. Our charges exclude tax that would be imposed in the
future (including Goods and Services Tax (GST)). Upon
implementation of the GST, we will be entitled to recover
from you any GST that we are required by law to collect.
j. For more information, you may refer to the insuranceinfo
booklet on Investment-Linked Takaful, available at all our
branches or you can obtain a copy from the Takaful Agent
or visit www.insuranceinfo.com.my

This is a Takaful product that is tied to the performance of the underlying assets, and is not a pure
investment product such as unit trusts.

For more information, please contact us at:

TAKAFUL IKHLAS BERHAD (593075 U)

(A wholly-owned subsidary of MNRB Holdings Berhad)

CRM Department, IKHLAS Point

Tower 11A, Avenue 5, Bangsar South
No. 8 Jalan Kerinchi, 59200 Kuala Lumpur

Tel: 03-27239999 Fax:03-27239998

Website: www.takaful-ikhlas.com.my
E-mail: ikhlascare@takaful-ikhlas.com.my

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