E-RateBook - A-Life Legasi Builder - Final

A-Life Legasi Builder
Description
A-Life Legasi Builder is a regular contribution Family Takaful plan which covers death, accelerated Total
and Permanent Disability (TPD) and accidental benefits. It offers high protection with minimum sum covered
of RM350,000. This plan also provides you with multiple options of coverage term and contribution payment
term to suit different customer needs.
This product also rewards you when you stay financially disciplined with Legasi Rewards, Legasi Booster
and Maturity Booster and create a better legacy when you stay healthy and sign up for AIA Vitality to unlock
Vitality Booster.
In addition, multiple optional riders are available to enhance your protection.
Features and Benefits
A-Life Legasi Builder covers death, TPD and accidental death and death during Hajj or Umrah.
Features Benefit
Death Benefit The amount payable upon death of the Person Covered is:
• Basic Sum Covered; or
• Account Value in Participant’s Account Fund (PAF),
Whichever is higher;
Plus
• Account Value in PIF, if any.
Accelerated The amount payable (in lump sum) upon TPD (both suited TPD and presumptive
TPD Benefit TPD) of the Person Covered is:
• TPD Sum Covered; or
TPD coverage is up to age 70.
Accidental The amount payable upon the death of the Person Covered due to an accident
Death Benefit is:
• 200% of Basic Sum Covered; or
Plus
This benefit is applicable from age 18 up to age 70.
Death during The amount payable upon the death of the Person Covered during Hajj or Umrah
Hajj or Umrah is:
Benefit • 200% of Basic Sum Covered; or
Plus
Accidental The amount payable upon the accidental death of the Person Covered due to an
Death in Public accident in a public conveyance or death of the Person Covered as a result of a
Conveyance fire in any theatres, hotels or other public buildings in which the Person Covered
Benefit was present at the time of commencement of any fire is:
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• 300% of Basic Sum Covered; or
Plus
Accidental The amount payable upon the accidental death of the Person Covered due to
Death due to natural disaster is:
Natural • 600% of Basic Sum Covered; or
Disaster • Account Value in Participant’s Account Fund (PAF),
Plus
Estate The amount payable upon the death of person covered as the estate
Management management benefit is:
Benefit
• RM20,000 if the basic sum covered is equal to RM500,000 and above;
or
• RM10,000 if the basic sum covered is less than RM500,000
Parent The amount payable upon death of the Participant due to accidental causes is:
Accidental • Additional 100% of Basic Sum Covered will be payable to PIF.
Death • This benefit is only applicable for Juvenile Case (Person Covered’s entry
age is between 14 days to 17 years old) and can only be claimed once.
• The coverage is up to age 70 for Participant and age 25 for Person
Covered, whichever is earlier.
Legasi Legasi Rewards will be paid out into the PIF annually, starting from at the end
Rewards of the 5th Certificate Year if the contribution payment term is 5 years and at the
end of 10th Certificate Year for other contribution payment term the amount is
as follows:
Contribution % of Annual Basic Contribution

Payment Term BSC ≥ RM500,000 BSC < RM500,000
Full Pay and 20pay 4% 2%
10pay 2% 1%
5pay 1% 0.5%
This benefit shall only be payable provided that no withdrawals are made from
PAF except for Life-Stage celebration, contributions are paid up-to-date and
certificate is still in-force.
Legasi Booster Legasi Booster will be paid out into the PIF at the end of 20th certificate year and
(only the amount is as follows:
applicable for
comprehensive Contribution % of Annual Basic Contribution
version) Payment Term BSC ≥ RM500,000 BSC < RM500,000
Full Pay and 20pay 400% 200%
10pay 200% 100%
5pay 100% 50%
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PAF except for Life-Stage celebration, contributions are paid up-to-date and
certificate is still in-force.
Maturity Maturity Booster will be paid out at maturity, depending on the coverage term
Booster and Basic Sum Covered, as below:
Coverage % of Account Value in PAF

Term Selected BSC ≥ RM500,000 BSC < RM500,000
Up to age 70 25% 12.5%
Up to age 80 30% 15%
PAF except for withdrawal due to Life-Stage Celebration and contributions are
paid up-to-date.
Maturity 100% of Account Value in both PAF and PIF together with Maturity Booster will
Benefit be payable upon maturity.
Life-Stage This benefit allows you to withdraw up to 10% of Account Value of PAF for each
Celebration event that occur after the certificate set in force, starting from Certificate Year 5
and onwards. You can make one Life-Stage withdrawal once every 3 certificate
years. Each event below is only allowed once except for “Personal milestone”,
which is capped at 2 times. The following are the Life-Stage events applicable:
• Graduating from tertiary education

• Getting married
• Having a new child (including legal adoption)
• Children getting married
• Buying a house
• Buying a car
• Starting your own company
• Retirement at age 60
• Personal milestone
Vitality Booster An initial Vitality Booster Percentage (VBP) of 10% will be given in the first
(AIA Vitality) Vitality Booster year. Thereafter, the VBP shall flex according to the AIA Vitality
status of the person covered.
AIA Vitality Status Platinum Gold Silver Bronze
Change in Vitality
+1% 0% -1% -2%
Booster Percentage (%)
Vitality Booster payable upon claim event = VBP multiplied with BSC (subject
to maximum 20% of BSC)
Vitality Booster payable upon maturity = VBP multiplied with 10% of BSC
(subject to maximum 20% of BSC)
Claim event refers to upon termination of the certificate due to death, TPD or A-
Plus Critical Shield-i claim.
Note: Your accumulated VBP will be locked-in at age 55 or at the 20th Vitality
Booster Anniversary, whichever is later. The VBP used for determining the
Vitality Booster amount will be the higher of the current VBP or the locked-in
VBP, whichever is higher, thus ensuring your earlier efforts remain relevant.
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Contribution Allocation
The contribution for A-Life Legasi Builder will be split into Basic contribution and A-Plus Legasi Enhancer
based on the following percentage:
Contribution Payment Term Comprehensive version Basic version
70% Basic Contribution
Full Term and 20 years 100% Basic Contribution
30% A-Plus Legasi Enhancer
80% Basic Contribution 70% Basic Contribution
5 and 10 years
20% A-Plus Legasi Enhancer 30% A-Plus Legasi Enhancer
The segregated Basic contribution and A-Plus Legasi Enhancer together with the contribution of A-Plus
Saver-i and ad hoc top up will then be allocated based on the following allocation rates
1. Basic contribution
Allocation Rate
Contribution Certificate Year
Payment
1 2 3 4 5 6 7 8 9 10 11 to 14 15+
Term
20 years and
30% 30% 35% 45% 50% 55% 65% 75% 85% 90% 90% 100%
Full Term
10 years 45% 50% 60% 70% 75% 80% 90% 90% 90% 90% - -
5 years 50% 60% 75% 80% 80% - - - - - - -
2. A-Plus Legasi Enhancer and contribution of A-Plus Saver-i and ad hoc top-up:
Allocation Rate: 95%
Options / Flexibility
1. Change of Basic Sum Covered
Increase Basic Sum Covered:

a. Participant can only increase the Basic Sum covered for the first certificate year only and the
additional contribution will be collected from the last certificate anniversary.
b. Any increase in sum covered shall be subject to underwriting and will take effect on the next monthly
anniversary date.
Decrease Basic Sum Covered:

a. Participant may request to reduce the Basic Sum Covered at any time before the expiry date,
subject to the minimum sum covered of RM 350,000.
b. Decrease in sum covered will take effect on the next monthly anniversary date.
2. Addition or Deletion of Rider
Addition of rider:
a. Participant can only attach riders within the first certificate year and the rider contribution will be
collected from the last certificate anniversary of basic certificate.
b. Any addition of riders shall be subject to underwriting and will take effect on the next monthly
anniversary date
Deletion of rider:
a. Participant may request to delete rider at any time before the expiry date.
b. Deletion of rider will take effect on the next monthly anniversary date.
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3. Ad hoc Top-up:
Can be done at any time, subject to a minimum amount of RM 5,000.
4. Partial Withdrawal:
a. Partial withdrawal is allowed any time subject to minimum withdrawal amount of RM 1,000 and the
remaining Account Value in PAF after withdrawal is RM 10,000.
b. Any withdrawal will first use the Account Value in PIF. If there is no Account Value in PIF or if the
Account Value in PIF is not enough to cover the withdrawal amount, the Account Value in PAF will
be used to cover the amount.
c. The Basic Sum Covered will be reduced if the Account Value in PAF is used for partial withdrawal.
Note: Sum at Risk is calculated by deducting the Account Value of the certificate from the Basic Sum Covered.
Sum at Risk is zero if the Account Value in the certificate is the same or more than the Basic Sum Covered.
5. Fund Switching:
a. Fund Switching is allowed at any time without any switching fee.

b. There is no minimum amount to remain in each Investment-Linked Fund after switching.
c. Fund Switching is only applicable for PIF.
6. Continuous Charges Deduction:
a. Participant may stop the regular contribution as long as the Account Value in PAF is sufficient to
pay Tabarru’ and other certificate charges. Please note that your certificate may lapse if there is
insufficient amount to be deducted.
b. Participant may resume the contribution payment at any time as long as certificate is still in force
and not required to pay back the outstanding contribution payment.
7. Reinstatement
If the certificate has not been surrendered for its account value, the certificate may be reinstated at the
Takaful Operator’s discretion. This has to be within two (2) years from the date of lapse and is subject
to the following:
a. A written application is made by the Participant to have the certificate reinstated; and
b. The Person Covered is within the allowable age limits as determined by the Takaful Operator at the
time of reinstatement; and
c. The Person Covered has to produce evidence of permissible Takaful that is satisfactory to the
Takaful Operator; and
d. Payment of all overdue regular contributions including for A-Plus Saver-i (if any); and
e. Payment of any indebtedness which the Takaful Operator may require; and
f. Any reinstatement shall only cover loss or event which occurs after the reinstatement date.
Fees and Charges
1. Tabarru’:
a. There will be Tabarru’ for coverage of A-Life Legasi Builder and all the attached riders (if any).
b. The Tabarru’ will be charged by deducting the required amount from the Account Value in PAF.
c. Tabarru’ rate is not guaranteed and the Takaful Operator reserves the right to revise the Tabarru’
by giving a 3-month prior written notice to the Participant.
2. Fund Management Charge (FMC):
There are 4 funds available and the FMC is as follows:
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No. Investment Funds Fund Management Charge
1 A-Dana Strategic Equity 1.50% p.a.
2 A-Dana Equity 1.50% p.a.
3 A-Dana Income 0.50% p.a.
4 A-Dana Balanced 1.20% p.a.
The FMC is not guaranteed and the Takaful Operator reserves the right to revise the FMC by giving a
3 months prior written notice to the Participant.
Underwriting
1. Entry Age, Coverage Term and Contribution Payment Term
Contribution Payment Term

Coverage Term
5 years 10 years 20 years Full Term
Min age: 14 days Min age: 14 days Min age: 14 days Min age: 14 days
Up to age 70
Max age: 60 Max age: 60 Max age: 50 Max age: 50
Min age: 14 days Min age: 14 days Min age: 14 days Min age: 14 days
Up to age 80
Max age: 70 Max age: 70 Max age: 60 Max age: 60
Coverage Term and Contribution Payment Term cannot be changed once selected.
2. Sum Covered
Minimum Sum Covered : RM 350,000, in multiple of RM 10,000

Maximum Sum Covered : Subject to underwriting
3. Occupation Class
1 to 4
4. Underwriting Approach
Full underwriting will be adopted. Non-medical limit is up to RM4 million.
5. Attachable Riders
a. A-Plus Critical Shield-i

b. A-Plus Beyond Critical Shield-i
c. A-Plus Waiver-i
d. A-Plus ParentWaiver-i
e. A-Plus Infaq
f. A-Plus Saver-i
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A-Life Legasi Builder
Annual Tabarru’ Rate
(per RM 1,000 Sum at Risk)
Juvenile Certificate
Male Female Male Female

Attained Male Female Attained Male Female
Non Non Non Non
Age Smoker Smoker Age Smoker Smoker
Smoker Smoker Smoker Smoker
0 1.29 1.29 1.09 1.09 41 2.32 1.66 1.69 1.36
1 1.10 1.10 0.97 0.97 42 2.44 1.74 1.79 1.44
2 1.10 1.10 0.97 0.97 43 2.58 1.83 1.90 1.52
3 1.02 1.02 0.97 0.97 44 2.75 1.93 2.02 1.61
4 0.99 0.99 0.97 0.97 45 2.95 2.06 2.16 1.71
5 0.90 0.90 0.97 0.97 46 3.17 2.20 2.32 1.82
6 0.90 0.90 1.09 1.09 47 3.43 2.36 2.49 1.94
7 0.90 0.90 1.03 1.03 48 3.72 2.54 2.68 2.08
8 0.90 0.90 0.97 0.97 49 4.05 2.75 2.90 2.24
9 0.90 0.90 0.91 0.91 50 4.42 2.98 3.14 2.41
10 0.90 0.90 0.87 0.87 51 4.82 3.23 3.40 2.60
11 0.90 0.90 0.87 0.87 52 5.26 3.51 3.70 2.81
12 0.94 0.94 0.87 0.87 53 5.74 3.82 4.02 3.05
13 0.97 0.97 0.87 0.87 54 6.27 4.15 4.38 3.30
14 0.99 0.99 0.87 0.87 55 6.85 4.51 4.77 3.59
15 1.03 1.02 0.87 0.87 56 7.47 4.90 5.20 3.89
16 1.05 1.04 0.88 0.88 57 8.14 5.32 5.73 4.28
17 1.22 1.22 0.98 0.98 58 8.86 5.78 6.30 4.69
18 2.22 1.86 1.62 1.52 59 9.64 6.27 6.89 5.11
19 2.35 1.87 1.62 1.52 60 10.65 6.90 7.74 5.72
20 2.35 1.92 1.67 1.55 61 11.96 7.73 8.68 6.40
21 2.38 1.94 1.70 1.57 62 13.42 8.65 9.73 7.15
22 2.38 1.94 1.72 1.59 63 15.04 9.67 10.89 7.99
23 2.38 1.94 1.74 1.61 64 16.83 10.80 12.17 8.92
24 2.38 1.94 1.76 1.62 65 18.81 12.04 13.59 9.94
25 1.66 1.22 1.06 0.91 66 20.99 13.41 15.16 11.07
26 1.66 1.22 1.07 0.92 67 23.39 14.93 16.90 12.32
27 1.66 1.22 1.08 0.93 68 26.04 16.59 18.80 13.69
28 1.66 1.22 1.09 0.94 69 28.94 18.42 20.90 15.20
29 1.66 1.22 1.10 0.94 70 23.89 15.04 17.76 12.79
30 1.73 1.28 1.11 0.95 71 26.53 16.70 20.43 14.71
31 1.81 1.34 1.13 0.96 72 29.41 18.52 23.44 16.87
32 1.87 1.38 1.15 0.98 73 32.57 20.51 26.82 19.31
33 1.91 1.41 1.17 0.99 74 36.02 22.68 30.62 22.05
34 1.96 1.44 1.21 1.02 75 39.77 25.04 34.88 25.11
35 2.02 1.47 1.26 1.05 76 43.87 27.62 38.49 27.72
36 2.08 1.51 1.32 1.10 77 48.32 30.42 42.43 30.55
37 2.08 1.51 1.38 1.14 78 53.15 33.47 46.70 33.62
38 2.10 1.52 1.44 1.19 79 58.40 36.77 51.34 36.97
39 2.15 1.56 1.51 1.24 80 64.09 40.35 56.38 40.59
40 2.23 1.60 1.59 1.30
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Adult Certificate

Non Non Non Non
18 1.50 1.14 0.90 0.80 50 4.42 2.98 3.14 2.41
19 1.63 1.15 0.90 0.80 51 4.82 3.23 3.40 2.60
20 1.63 1.20 0.95 0.83 52 5.26 3.51 3.70 2.81
21 1.66 1.22 0.98 0.85 53 5.74 3.82 4.02 3.05
22 1.66 1.22 1.00 0.87 54 6.27 4.15 4.38 3.30
23 1.66 1.22 1.02 0.89 55 6.85 4.51 4.77 3.59
24 1.66 1.22 1.04 0.90 56 7.47 4.90 5.20 3.89
25 1.66 1.22 1.06 0.91 57 8.14 5.32 5.73 4.28
26 1.66 1.22 1.07 0.92 58 8.86 5.78 6.30 4.69
27 1.66 1.22 1.08 0.93 59 9.64 6.27 6.89 5.11
28 1.66 1.22 1.09 0.94 60 10.65 6.90 7.74 5.72
29 1.66 1.22 1.10 0.94 61 11.96 7.73 8.68 6.40
30 1.73 1.28 1.11 0.95 62 13.42 8.65 9.73 7.15
31 1.81 1.34 1.13 0.96 63 15.04 9.67 10.89 7.99
32 1.87 1.38 1.15 0.98 64 16.83 10.80 12.17 8.92
33 1.91 1.41 1.17 0.99 65 18.81 12.04 13.59 9.94
34 1.96 1.44 1.21 1.02 66 20.99 13.41 15.16 11.07
35 2.02 1.47 1.26 1.05 67 23.39 14.93 16.90 12.32
36 2.08 1.51 1.32 1.10 68 26.04 16.59 18.80 13.69
37 2.08 1.51 1.38 1.14 69 28.94 18.42 20.90 15.20
38 2.10 1.52 1.44 1.19 70 23.89 15.04 17.76 12.79
39 2.15 1.56 1.51 1.24 71 26.53 16.70 20.43 14.71
40 2.23 1.60 1.59 1.30 72 29.41 18.52 23.44 16.87
41 2.32 1.66 1.69 1.36 73 32.57 20.51 26.82 19.31
42 2.44 1.74 1.79 1.44 74 36.02 22.68 30.62 22.05
43 2.58 1.83 1.90 1.52 75 39.77 25.04 34.88 25.11
44 2.75 1.93 2.02 1.61 76 43.87 27.62 38.49 27.72
45 2.95 2.06 2.16 1.71 77 48.32 30.42 42.43 30.55
46 3.17 2.20 2.32 1.82 78 53.15 33.47 46.70 33.62
47 3.43 2.36 2.49 1.94 79 58.40 36.77 51.34 36.97
48 3.72 2.54 2.68 2.08 80 64.09 40.35 56.38 40.59
49 4.05 2.75 2.90 2.24
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A-Plus Critical Shield-i
Description
A-Plus Critical Shield-i is a contribution paying rider (CPR) which can be attached to A-Life Legasi
Builder. It pays the rider sum covered from basic sum covered in the event the Person Covered is
diagnosed with any of the covered 45 critical illnesses. The basic sum covered will reduce after the
payment of claim of A-Plus Critical Shield-i.
1. 100% of the rider sum covered is payable upon diagnosis of any of the covered critical illnesses
(except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease).
2. For Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, 10% of the rider
sum covered or RM 25,000, whichever is lower, shall be payable. This benefit is only payable once
and it shall reduce the rider sum covered for any subsequent critical illness claim.
3. List of critical illnesses covered under A-Plus Critical Shield-i:
26) Parkinson's Disease - resulting in Permanent

1) Stroke - resulting in Permanent Neurological
inability to perform Activities of Daily Living
Deficit with Persisting Clinical Symptoms
27) Terminal Illness
2) Cancer - of specified severity and does not
28) Encephalitis - resulting in Permanent inability to
cover very early cancers
perform Activities of Daily Living
3) Heart Attack - of specified severity
29) Benign Brain Tumor - of specified severity
4) Coronary Artery By-Pass Surgery
30) Major Head Trauma - resulting in Permanent
5) Serious Coronary Artery Disease
6) Angioplasty And Other Invasive Treatments
31) Bacterial Meningitis - resulting in Permanent
for Coronary Artery Disease*
7) Heart Valve Surgery
32) Medullary Cystic Disease
8) Fulminant Viral Hepatitis
33) Brain Surgery
9) End Stage Liver Failure
34) Loss of Independent Existence
10) Primary Pulmonary Arterial Hypertension - of
35) HIV Infection Due to Blood Transfusion
specified severity
36) Cardiomyopathy - of specified severity
11) End Stage Lung Disease
37) Full Blown AIDS
12) Kidney Failure - requiring dialysis or kidney
38) Systemic Lupus Erythematosus with Severe
transplant
Kidney Complications
13) Surgery to Aorta
39) Occupationally Acquired Human
14) Chronic Aplastic Anemia - resulting in
Immunodeficiency Virus (HIV) Infection
Permanent Bone Marrow Failure
40) Poliomyelitis - resulting in the total inability to
15) Major Organ / Bone Marrow Transplant
perform Activities of Daily Living at least three
16) Blindness - Permanent and Irreversible
months
17) Deafness - Permanent and Irreversible
41) Progressive Scleroderma – requiring biopsy
18) Loss of Speech
and serological evidence
19) Coma - resulting in Permanent Neurological
42) Apallic Syndrome – requiring neurologist
Deficit With Persisting Clinical Symptoms
consultant and has to be medically documented
20) Third Degree Burn - of specified severity
for at least one month
21) Multiple Sclerosis
43) Chronic Relapsing Pancreatitis – Permanent
22) Paralysis of Limbs
and Irreversible
23) Muscular Dystrophy
44) Elephantiasis – resulting in Permanent and
24) Alzheimer's Disease / Severe Dementia
Lymphatic Obstruction.
25) Motor Neuron Disease - Permanent
45) Creutzfeldt-Jakob Disease (Mad Cow Disease)
Neurological Deficit With Persisting Clinical
– requiring a neurologist and evidences of
Symptoms
diagnostic tests.
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Underwriting
1. Entry Age
Minimum Entry Age : 14 days

Maximum Entry Age: 60 years old
2. Coverage Term
Follow Basic Plan
3. Contribution Payment Term
Follow the Contribution Payment Term of Basic plan.
4. Sum covered
Follow the Sum Covered of the Basic Plan:

• Minimum Sum Covered : RM 200,000, must be in multiple of RM 10,000.
• Maximum Sum Covered: Up to Basic Sum Covered or RM5 million, whichever is lower.
Subject to CI limit per life for all CI products.
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A-Plus Critical Shield-i
(per RM 1,000 Sum Covered)

Attained Male Non- Female Non- Attained Male Non- Female Non-
Age Smoker Smoker Smoker Smoker Age Smoker Smoker Smoker Smoker
0 0.37 0.37 0.50 0.50 41 2.61 1.71 3.22 2.30
1 0.37 0.37 0.50 0.50 42 2.98 1.96 3.63 2.60
2 0.37 0.37 0.50 0.50 43 3.41 2.29 3.99 2.93
3 0.37 0.37 0.50 0.50 44 3.86 2.56 4.43 3.31
4 0.37 0.37 0.50 0.50 45 4.36 2.86 4.88 3.72
5 0.37 0.37 0.50 0.50 46 4.93 3.23 5.41 3.76
6 0.37 0.37 0.50 0.50 47 5.51 3.61 5.80 3.79
7 0.37 0.37 0.50 0.50 48 6.15 4.04 6.04 3.93
8 0.37 0.37 0.50 0.50 49 6.86 4.50 6.28 4.12
9 0.37 0.37 0.50 0.50 50 7.60 5.00 6.59 4.30
10 0.37 0.37 0.50 0.50 51 8.40 5.57 6.89 4.51
11 0.37 0.37 0.50 0.50 52 9.20 6.15 7.27 4.76
12 0.37 0.37 0.50 0.50 53 10.05 6.80 8.10 5.12
13 0.37 0.37 0.50 0.50 54 11.00 7.51 8.73 5.48
14 0.37 0.37 0.50 0.50 55 11.94 8.23 9.35 5.83
15 0.37 0.37 0.50 0.50 56 12.91 8.99 9.74 6.07
16 0.57 0.37 0.60 0.50 57 13.96 9.83 10.11 6.31
17 0.57 0.37 0.61 0.50 58 14.98 10.67 10.50 6.54
18 0.57 0.37 0.63 0.50 59 16.09 11.57 10.85 6.76
19 0.57 0.37 0.67 0.50 60 17.24 12.53 10.85 6.96
20 0.57 0.37 0.73 0.50 61 20.52 14.92 11.97 7.72
21 0.60 0.39 0.74 0.50 62 22.18 16.12 12.35 7.95
22 0.63 0.42 0.74 0.50 63 23.24 16.89 12.60 8.12
23 0.66 0.44 0.75 0.50 64 24.02 17.46 13.22 8.52
24 0.70 0.46 0.75 0.50 65 25.03 18.18 17.14 11.12
25 0.73 0.48 0.78 0.50 66 26.90 19.57 17.69 11.17
26 0.76 0.50 0.80 0.53 67 28.29 20.58 18.72 13.90
27 0.79 0.52 0.84 0.55 68 29.57 21.51 19.78 14.84
28 0.82 0.54 0.88 0.57 69 30.88 22.45 20.56 15.41
29 0.86 0.56 0.96 0.63 70 33.85 23.46 21.60 16.20
30 0.89 0.58 1.08 0.68 71 36.41 25.35 23.01 17.27
31 0.97 0.64 1.14 0.73 72 39.46 27.80 24.50 18.38
32 1.06 0.70 1.28 0.80 73 41.20 29.94 25.72 19.30
33 1.16 0.76 1.41 0.90 74 42.19 30.64 26.55 19.91
34 1.27 0.83 1.59 1.01 75 43.54 31.63 27.38 20.54
35 1.40 0.92 1.76 1.12 76 45.11 32.77 28.35 21.23
36 1.51 0.99 1.92 1.26 77 46.45 33.75 29.72 21.95
37 1.66 1.09 2.14 1.42 78 47.42 34.26 31.27 22.65
38 1.83 1.20 2.40 1.60 79 48.16 34.99 32.89 23.35
39 2.04 1.34 2.69 1.81
40 2.29 1.50 3.01 2.03
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A-Plus Beyond Critical Shield-i
Description
A-Plus Beyond Critical Shield-i is a contribution paying rider (CPR) which covers up to age 80 years old
or basic coverage term, whichever is earlier.
This rider will be on an additional basis and 100% Rider Sum Covered 0will be payable upon diagnosis
of any 75 Advanced Stage Critical Illness as defined.
1. 100% of Rider Sum Covered will be payable, less any claims made under the Limited Payment
for Angioplasty and Other Invasive Treatments for Coronary Artery Disease Critical Illness
Benefit.
2. For Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, 10% of
the rider sum covered or RM 25,000, whichever is lower, shall be payable. This benefit is only
payable once and it shall reduce the rider sum covered for any subsequent critical illness
claim.
3. List of critical illnesses covered under A-Plus Beyond Critical Shield-i:
1) Cancer – of specified severity and does 39) Progressive Scleroderma

not cover very early cancers 40) Chronic Rheumatoid Arthritis
2) Stroke – resulting in permanent 41) Severe Crohn's Disease
neurological deficit with persisting 42) Ulcerative Colitis with Total Colectomy
clinical symptoms 43) Myasthenia Gravis
3) Heart Attack – of specified severity 44) Progressive Muscular Atrophy
45) Progressive Supranuclear Palsy
4) Serious Coronary Artery Disease
46) Chronic Adrenal Insufficiency
5) Coronary Artery By-Pass Surgery
47) Osteogenesis Imperfecta
6) Heart Valve Surgery 48) Meningeal Tuberculosis
7) Cardiomyopathy – of specified severity. 49) Intensive Care - requiring mechanical
8) Surgery to Aorta ventilation for 10 days
9) Primary Pulmonary Arterial 50) Apallic syndrome
Hypertension – of specified severity 51) Chronic Autoimmune Hepatitis
10) End-Stage Lung Disease 52) Chronic Relapsing Pancreatitis
11) End-Stage Liver Failure 53) Motor Neuron Disease – permanent
12) Major Organ / Bone Marrow Transplant neurological deficit with persisting
13) Parkinson’s Disease – resulting in clinical symptoms
permanent inability to perform Activities 54) Terminal Illness
of Daily Living 55) Angioplasty and Other Invasive
Treatments for Coronary Artery Disease
14) Alzheimer's Disease / Severe Dementia
56) Full-blown AIDS
15) Coma – resulting in permanent
57) Surgery for Idiopathic Scoliosis
neurological deficit with persisting 58) Elephantiasis
clinical symptoms 59) Cerebral Metastasis
16) Blindness – Permanent and Irreversible 60) Creutzfeldt-Jacob Disease (Mad Cow
17) Deafness – Permanent and Irreversible Disease)
18) Kidney Failure – requiring dialysis or 61) Ebola Hemorrhagic Fever
kidney transplant 62) Pheochromocytoma requiring surgery
19) HIV Infection Due To Blood Transfusion 63) Severe Relapsing Nephrotic Syndrome
20) Occupationally Acquired Human 64) Wilson’s Disease
Immunodeficiency Virus (HIV) Infection 65) Haemolytic Uremic Syndrome
21) Chronic Aplastic Anaemia – resulting in 66) Necrotising Fasciitis
permanent Bone Marrow Failure 67) Respiratory Diphteria requiring
mechanical ventilation
68) Loss of limb(s)
12
22) Bacterial Meningitis – resulting in 69) Cerebral Aneurysm Requiring Brain
permanent inability to perform Activities Surgery
of Daily Living. 70) Multiple Root Avulsions of Brachial
23) Brain Surgery Plexus
24) Benign Brain Tumour – of specified 71) Rheumatic Fever with Heart Valve
severity Disorders
72) Resection of the whole small intestine
25) Encephalitis – resulting in permanent
(duodenum, jejunum and ileum)
inability to perform Activities of Daily
73) Severe Pulmonary Fibrosis
Living 74) Rabies
26) Major Head Trauma – resulting in 75) Generalized Tetanus
permanent inability to perform Activities
of Daily Living.
27) Loss of Speech
28) Medullary Cystic Disease
29) Loss of Independent Existence
30) Third Degree Burns – of specified
severity
31) Fulminant Viral Hepatitis
32) Multiple Sclerosis
33) Muscular Dystrophy
34) Paralysis of Limbs
35) Systemic Lupus Erythematosus with
Severe Kidney Complications
36) Severe Eisenmenger 's Syndrome
37) Infective Endocarditis
38) Poliomyelitis
Underwriting
1. Entry Age
Minimum Entry Age : 16 years old

2. Coverage Term
Follow Basic Plan
4. Sum covered
Minimum Sum Covered : RM 200,000

Maximum Sum Covered : Up to 5 times of the basic plan’s sum covered or subject to
underwriting up to an aggregate amount of RM5 million per life for all critical illness plans
13
A-Plus Beyond Critical Shield-i

Attained Male Non- Female Non- Attained Male Non- Female Non-
Age Smoker Smoker Smoker Smoker Age Smoker Smoker Smoker Smoker
16 0.70 0.67 0.58 0.55 49 11.12 7.41 12.14 8.11
17 0.73 0.67 0.58 0.55 50 11.61 7.73 12.15 8.12
18 0.75 0.68 0.61 0.56 51 12.88 8.61 12.73 8.50
19 0.83 0.69 0.67 0.56 52 14.37 9.59 13.56 9.04
20 0.88 0.70 0.75 0.59 53 16.14 10.77 14.46 9.64
21 0.96 0.85 0.84 0.71 54 18.03 12.02 15.46 10.30
22 0.99 0.85 0.96 0.72 55 21.56 14.38 17.66 11.78
23 1.05 0.85 1.05 0.75 56 22.62 15.07 17.70 11.80
24 1.09 0.85 1.14 0.80 57 24.87 16.58 18.77 12.51
25 1.12 0.85 1.25 0.84 58 26.88 17.92 19.72 13.15
26 1.14 0.85 1.33 0.89 59 29.07 19.37 20.74 13.83
27 1.17 0.88 1.45 0.99 60 31.36 20.92 21.99 14.66
28 1.20 0.92 1.58 1.11 61 33.72 22.47 23.37 15.56
29 1.24 0.96 1.75 1.24 62 36.17 24.10 24.88 16.58
30 1.31 1.02 1.95 1.37 63 38.78 25.85 26.60 17.75
31 1.43 1.09 2.16 1.50 64 41.68 27.80 28.51 18.99
32 1.57 1.18 2.39 1.64 65 41.69 27.81 28.52 19.00
33 1.72 1.25 2.63 1.80 66 46.50 31.01 30.14 20.09
34 1.93 1.37 2.89 1.96 67 49.78 33.19 32.51 21.67
35 2.16 1.50 3.22 2.16 68 52.92 35.28 35.10 23.39
36 2.45 1.66 3.62 2.40 69 56.38 37.58 37.64 25.08
37 2.78 1.84 4.03 2.68 70 60.08 40.05 40.24 26.83
38 3.18 2.07 4.48 2.97 71 64.20 42.80 43.08 28.71
39 3.66 2.35 4.97 3.32 72 68.88 45.79 46.08 30.72
40 4.19 2.64 5.54 3.70 73 73.35 48.90 49.18 32.77
41 4.80 2.97 6.18 4.11 74 78.18 52.12 52.39 34.92
42 5.46 3.33 6.89 4.60 75 83.31 55.54 55.70 37.13
43 6.02 3.72 7.59 5.07 76 87.89 59.35 58.50 39.49
44 6.61 4.21 8.39 5.59 77 92.22 63.06 61.49 42.02
45 7.23 4.73 9.23 6.16 78 96.39 66.77 64.66 44.75
46 7.93 5.28 10.20 6.81 79 101.01 70.89 68.17 47.77
47 8.87 5.91 10.98 7.33
48 9.93 6.61 11.54 7.69
14
A-Plus Waiver-i
Description
A-Plus Waiver-i is a contribution paying rider (CPR) which can be attached to A-Life Legasi Builder. In
the event the Person Covered is diagnosed with any one of the 44 critical illnesses or actually undergoes
a covered surgery before the expiry of the rider, the Takaful Operator shall waives the contribution (but
excluding the contribution of this rider & A-Plus Critical Shield-i & A-Plus Beyond Critical Shield-i, if
applicable) until end of the rider’s coverage term.
1. In the event the Person Covered is diagnosed with a covered critical illness or actually undergoes
a covered surgery, the Takaful Operator shall waive the contribution (but excluding the contribution
of this rider, A-Plus Critical Shield-i & A-Plus Beyond Critical Shield-i if applicable), until the end of
the rider’s coverage term.
2. List of critical illnesses covered under A-Plus Waiver-i:
1) Stroke - resulting in Permanent 25) Parkinson's Disease - resulting in Permanent

Neurological Deficit with Persisting Clinical inability to perform Activities of Daily Living
Symptoms 26) Terminal Illness
2) Cancer - of specified severity and does not 27) Encephalitis - resulting in Permanent inability to
cover very early cancers perform Activities of Daily Living
3) Heart Attack - of specified severity 28) Benign Brain Tumor - of specified severity
4) Coronary Artery By-Pass Surgery 29) Major Head Trauma - resulting in Permanent
5) Serious Coronary Artery Disease inability to perform Activities of Daily Living
6) Heart Valve Surgery 30) Bacterial Meningitis - resulting in Permanent
7) Fulminant Viral Hepatitis inability to perform Activities of Daily Living
8) End Stage Liver Failure 31) Medullary Cystic Disease
9) Primary Pulmonary Arterial Hypertension - 32) Brain Surgery
of specified severity 33) Loss of Independent Existence
10) End Stage Lung Disease 34) HIV Infection Due to Blood Transfusion
11) Kidney Failure - requiring dialysis or kidney 35) Cardiomyopathy - of specified severity
transplant 36) Full Blown AIDS
12) Surgery to Aorta 37) Systemic Lupus Erythematosus with Severe
13) Chronic Aplastic Anemia - resulting in Kidney Complications
Permanent Bone Marrow Failure 38) Occupationally Acquired Human
14) Major Organ / Bone Marrow Transplant Immunodeficiency Virus (HIV) Infection
15) Blindness - Permanent and Irreversible 39) Poliomyelitis - resulting in the total inability to
16) Deafness - Permanent and Irreversible perform Activities of Daily Living at least three
17) Loss of Speech months
18) Coma - resulting in Permanent Neurological 40) Progressive Scleroderma – requiring biopsy and
Deficit With Persisting Clinical Symptoms serological evidence
19) Third Degree Burn - of specified severity 41) Apallic Syndrome – requiring neurologist
20) Multiple Sclerosis consultant and has to be medically documented
21) Paralysis of Limbs for at least one month
22) Muscular Dystrophy 42) Chronic Relapsing Pancreatitis – Permanent and
23) Alzheimer's Disease / Severe Dementia Irreversible
24) Motor Neuron Disease - Permanent 43) Elephantiasis – resulting in Permanent and
Neurological Deficit With Persisting Clinical Lymphatic Obstruction.
Symptoms 44) Creutzfeldt-Jakob Disease (Mad Cow Disease) –
requiring a neurologist and evidences of
diagnostic tests.
15
Underwriting
1. Entry Age
Minimum Entry Age : 18 years old

2. Coverage Term
Follow the Contribution Payment Term.
4. Sum covered
Equivalent to the total basic* and rider’s contribution, excluding the contribution for A-Plus Waiver-
i and A-Plus Critical Shield-i and A-Plus Beyond Critical Shield-i contribution, if any.
*If A-Plus Critical Shield-i (APCS-i) is attached, the basic contribution refers to the basic
contribution after minus sum covered of APCS-i.
Maximum Sum Covered: RM250,000 annual contribution
16
A-Plus Waiver-i
Full Payment Term Page
Coverage Term up to age 70 (for all smoker status and sex) 18
Coverage Term up to age 80 (for all smoker status and sex) 19
Contribution Payment Term: 20

Male Smoker 20
Male Non-Smoker 24
Female Smoker 28
Female Non-Smoker 32

Male Smoker 36
Male Non-Smoker 38
Female Smoker 40

Male Smoker 44
Male Non-Smoker 45
Female Smoker 46
17
A-Plus Waiver-i
(per RM 100 Rider Sum Covered)
Full Contribution Payment Term
Coverage up to 70 years old with full contribution payment term

Non Non Non Non
18 1.08 1.08 0.84 0.84 51 11.04 7.80 8.64 6.24
19 1.20 1.08 0.96 0.84 52 11.88 8.40 8.76 6.36
20 1.32 1.08 1.08 0.84 53 12.96 9.12 9.00 6.48
21 1.44 1.20 1.20 0.96 54 13.92 9.72 9.24 6.60
22 1.44 1.20 1.32 0.96 55 15.12 10.44 9.48 6.84
23 1.56 1.20 1.44 1.08 56 16.32 11.16 9.72 6.96
24 1.56 1.20 1.44 1.08 57 17.16 11.64 9.84 6.96
25 1.56 1.20 1.56 1.20 58 17.76 12.00 9.96 6.96
26 1.56 1.20 1.68 1.20 59 18.12 12.24 10.08 6.84
27 1.56 1.20 1.80 1.32 60 18.48 12.36 10.20 6.84
28 1.68 1.20 1.92 1.44 61 18.48 12.36 10.20 6.84
29 1.68 1.20 2.04 1.44 62 18.24 12.24 10.20 6.84
30 1.80 1.32 2.28 1.68 63 17.76 11.88 10.08 6.72
31 1.80 1.32 2.40 1.80 64 16.92 11.40 9.72 6.48
32 2.04 1.44 2.64 1.92 65 14.64 9.84 8.16 5.40
33 2.16 1.56 2.88 2.04 66 13.56 9.12 7.68 5.04
34 2.40 1.80 3.12 2.28 67 11.28 7.56 6.48 4.32
35 2.64 1.92 3.36 2.40 68 8.28 5.52 4.92 3.24
36 2.88 2.16 3.72 2.64 69 4.44 3.00 2.76 1.80
37 3.24 2.28 3.96 2.88
38 3.60 2.52 4.32 3.12
39 3.96 2.88 4.68 3.36
40 4.32 3.12 5.04 3.72
41 4.80 3.48 5.40 3.96
42 5.28 3.84 5.88 4.32
43 5.88 4.20 6.36 4.56
44 6.36 4.56 6.72 4.92
45 6.96 5.04 7.20 5.28
46 7.56 5.40 7.68 5.64
47 8.16 5.88 8.04 5.88
48 8.88 6.36 8.16 5.88
49 9.60 6.84 8.28 6.00
50 10.32 7.32 8.40 6.12
18
Coverage up to 80 years old with full contribution payment term
Non Non Non Non
18 1.08 1.08 0.84 0.84 51 12.48 9.00 9.24 6.84
19 1.20 1.08 0.96 0.84 52 13.68 9.84 9.60 6.96
20 1.32 1.20 1.08 0.84 53 15.12 10.68 9.84 7.20
21 1.44 1.20 1.20 0.96 54 16.56 11.64 10.32 7.44
22 1.44 1.20 1.32 1.08 55 18.36 12.72 10.68 7.68
23 1.56 1.20 1.44 1.08 56 20.16 13.92 11.16 8.04
24 1.56 1.20 1.56 1.08 57 21.84 15.00 11.64 8.16
25 1.56 1.20 1.68 1.20 58 23.16 15.84 12.00 8.40
26 1.68 1.20 1.68 1.20 59 24.60 16.68 12.48 8.52
27 1.68 1.20 1.80 1.32 60 25.92 17.64 13.20 8.88
28 1.68 1.20 1.92 1.44 61 27.24 18.60 13.80 9.24
29 1.68 1.20 2.16 1.56 62 28.44 19.44 14.40 9.72
30 1.80 1.32 2.28 1.68 63 29.64 20.28 15.24 10.20
31 1.92 1.44 2.52 1.80 64 30.84 21.12 15.96 10.68
32 2.04 1.56 2.64 1.92 65 29.76 20.40 14.76 9.96
33 2.28 1.68 2.88 2.16 66 32.04 21.96 16.08 10.80
34 2.52 1.80 3.12 2.28 67 32.88 22.56 16.92 11.28
35 2.76 2.04 3.36 2.52 68 33.48 22.80 17.64 11.76
36 3.00 2.16 3.72 2.76 69 33.84 23.04 18.12 12.12
37 3.36 2.40 4.08 3.00 70 33.96 23.16 18.48 12.36
38 3.72 2.76 4.44 3.24 71 33.84 23.04 18.72 12.48
39 4.20 3.00 4.80 3.48 72 33.48 22.80 18.72 12.48
40 4.56 3.36 5.16 3.72 73 32.52 22.08 18.48 12.36
41 5.16 3.72 5.64 4.08 74 30.84 20.88 17.76 11.88
42 5.64 4.08 6.12 4.44 75 28.56 19.32 16.56 11.04
43 6.24 4.44 6.48 4.80 76 25.08 17.16 14.76 9.96
44 6.84 4.92 6.96 5.16 77 20.64 14.16 12.24 8.40
45 7.56 5.40 7.44 5.52 78 14.88 10.32 9.00 6.24
46 8.16 5.88 8.04 5.88 79 7.92 5.52 4.92 3.48
47 9.00 6.48 8.40 6.24
48 9.72 7.08 8.52 6.24
49 10.68 7.68 8.76 6.48
50 11.52 8.28 9.00 6.60
19
Contribution Payment Term: 20 years
Male Smoker with Contribution Payment Term of 20 Years

Attained Remaining Contribution Payment Term (11-20)
Age 20 19 18 17 16 15 14 13 12 11
18 0.84 - - - - - - - - -
19 0.84 0.84 - - - - - - - -
20 0.96 0.96 0.84 - - - - - - -
21 0.96 0.96 0.96 0.96 - - - - - -
22 1.08 1.08 0.96 0.96 0.96 - - - - -
23 1.08 1.08 1.08 0.96 0.96 0.96 - - - -
24 1.2 1.08 1.08 1.08 0.96 0.96 0.96 - - -
25 1.2 1.2 1.08 1.08 1.08 0.96 0.96 0.96 - -
26 1.2 1.2 1.2 1.08 1.08 1.08 0.96 0.96 0.84 -
27 1.2 1.2 1.2 1.08 1.08 1.08 0.96 0.96 0.84 0.84
28 1.32 1.2 1.2 1.2 1.08 1.08 1.08 0.96 0.96 0.84
29 1.32 1.32 1.2 1.2 1.2 1.08 1.08 0.96 0.96 0.84
30 1.32 1.32 1.32 1.2 1.2 1.2 1.08 1.08 0.96 0.96
31 1.44 1.44 1.44 1.32 1.32 1.2 1.2 1.08 1.08 0.96
32 1.56 1.56 1.56 1.44 1.44 1.32 1.32 1.2 1.2 1.08
33 1.8 1.68 1.68 1.68 1.56 1.56 1.44 1.32 1.32 1.2
34 2.04 1.92 1.92 1.8 1.8 1.68 1.56 1.56 1.44 1.32
35 2.16 2.16 2.04 2.04 1.92 1.8 1.8 1.68 1.56 1.56
36 2.4 2.4 2.28 2.28 2.16 2.04 2.04 1.92 1.8 1.68
37 2.76 2.64 2.64 2.52 2.4 2.28 2.28 2.16 2.04 1.92
38 3 3 2.88 2.76 2.76 2.64 2.52 2.4 2.28 2.16
39 3.36 3.36 3.24 3.12 3 2.88 2.76 2.64 2.52 2.4
40 3.84 3.72 3.6 3.48 3.36 3.24 3.12 3 2.88 2.64
41 4.2 4.2 4.08 3.96 3.84 3.72 3.48 3.36 3.24 3
42 4.68 4.68 4.56 4.32 4.2 4.08 3.96 3.72 3.6 3.36
43 5.28 5.16 5.04 4.92 4.68 4.56 4.32 4.2 3.96 3.72
44 5.88 5.76 5.52 5.4 5.28 5.04 4.92 4.68 4.44 4.2
45 6.48 6.36 6.12 6 5.76 5.64 5.4 5.16 4.92 4.68
46 7.08 6.96 6.72 6.6 6.36 6.12 6 5.64 5.4 5.16
47 7.8 7.56 7.44 7.2 7.08 6.84 6.6 6.24 6 5.64
48 8.52 8.4 8.16 7.92 7.8 7.56 7.2 6.96 6.6 6.24
49 9.36 9.24 9 8.76 8.52 8.28 7.92 7.68 7.32 6.96
50 10.32 10.08 9.84 9.6 9.36 9 8.76 8.4 8.04 7.56
51 11.28 11.04 10.8 10.56 10.2 9.84 9.6 9.12 8.76 8.28
52 12.36 12.12 11.88 11.64 11.28 10.92 10.56 10.08 9.72 9.12
53 13.8 13.56 13.2 12.96 12.6 12.12 11.76 11.28 10.8 10.2
54 15.36 15 14.76 14.4 13.92 13.56 13.08 12.6 12 11.4
55 17.16 16.8 16.44 16.08 15.6 15.12 14.64 14.04 13.44 12.72
56 19.08 18.72 18.36 17.88 17.4 16.92 16.32 15.72 15 14.28
57 20.88 20.52 20.04 19.56 19.08 18.48 17.88 17.16 16.44 15.6
58 22.44 22.08 21.6 21.12 20.52 19.92 19.32 18.48 17.76 16.8
59 24.12 23.76 23.28 22.68 22.08 21.48 20.76 19.92 19.08 18.12
60 25.92 25.44 24.96 24.36 23.76 23.04 22.32 21.48 20.52 19.56
20
Attained Remaining Contribution Payment Terms (11-20)
Age 20 19 18 17 16 15 14 13 12 11
61 - 27.24 26.64 26.04 25.44 24.72 23.88 23.04 21.96 20.88
62 - - 28.44 27.84 27.12 26.4 25.56 24.6 23.52 22.32
63 - - - 29.64 28.92 28.08 27.24 26.16 25.08 23.88
64 - - - - 30.84 30.00 29.04 28.08 26.88 25.56
65 - - - - - 29.76 28.80 27.84 26.64 25.44
66 - - - - - - 32.04 30.96 29.64 28.32
67 - - - - - - - 32.88 31.56 30.12
68 - - - - - - - - 33.48 31.92
69 - - - - - - - - - 33.84
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
21
Age 10 9 8 7 6 5 4 3 2 1
18 - - - - - - - - - -
19 - - - - - - - - - -
20 - - - - - - - - - -
21 - - - - - - - - - -
22 - - - - - - - - - -
23 - - - - - - - - - -
24 - - - - - - - - - -
25 - - - - - - - - - -
26 - - - - - - - - - -
27 - - - - - - - - - -
28 0.84 - - - - - - - - -
29 0.84 0.72 - - - - - - - -
30 0.84 0.84 0.72 - - - - - - -
31 0.96 0.84 0.84 0.72 - - - - - -
32 1.08 0.96 0.84 0.84 0.72 - - - - -
33 1.20 1.08 0.96 0.84 0.72 0.72 - - - -
34 1.32 1.20 1.08 0.96 0.84 0.72 0.60 - - -
35 1.44 1.32 1.20 1.08 0.96 0.84 0.72 0.48 - -
36 1.56 1.44 1.32 1.20 1.08 0.96 0.72 0.60 0.36 -
37 1.80 1.68 1.44 1.32 1.20 0.96 0.84 0.60 0.48 0.24
38 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 0.48 0.24
39 2.28 2.04 1.92 1.68 1.44 1.32 1.08 0.84 0.60 0.36
40 2.52 2.28 2.04 1.92 1.68 1.44 1.20 0.96 0.60 0.36
41 2.76 2.64 2.40 2.16 1.92 1.56 1.32 1.08 0.72 0.36
42 3.12 2.88 2.64 2.40 2.16 1.80 1.44 1.20 0.84 0.36
43 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.84 0.48
44 3.96 3.60 3.36 3.00 2.64 2.28 1.92 1.44 0.96 0.48
45 4.32 4.08 3.72 3.36 3.00 2.52 2.04 1.56 1.08 0.60
46 4.80 4.44 4.08 3.72 3.24 2.76 2.28 1.80 1.20 0.60
47 5.28 4.92 4.56 4.08 3.60 3.12 2.52 2.04 1.32 0.72
48 5.88 5.52 5.04 4.56 4.08 3.48 2.88 2.16 1.56 0.72
49 6.48 6.00 5.52 5.04 4.44 3.84 3.24 2.52 1.68 0.84
50 7.08 6.60 6.12 5.52 4.92 4.20 3.48 2.76 1.92 0.96
51 7.80 7.32 6.72 6.12 5.40 4.68 3.84 3.00 2.04 1.08
52 8.64 8.04 7.44 6.72 6.00 5.16 4.32 3.36 2.28 1.20
53 9.60 9.00 8.28 7.56 6.72 5.76 4.80 3.72 2.52 1.32
54 10.68 9.96 9.24 8.40 7.44 6.36 5.28 4.08 2.88 1.44
55 12.00 11.16 10.32 9.36 8.28 7.20 6.00 4.68 3.12 1.56
56 13.44 12.48 11.52 10.44 9.24 8.04 6.72 5.16 3.60 1.80
57 14.76 13.68 12.60 11.52 10.20 8.88 7.32 5.64 3.96 1.92
58 15.84 14.76 13.68 12.36 11.04 9.48 7.92 6.12 4.20 2.16
59 17.16 15.96 14.76 13.44 11.88 10.32 8.52 6.60 4.56 2.28
60 18.48 17.16 15.84 14.40 12.84 11.04 9.24 7.20 4.92 2.52
22
Age 10 9 8 7 6 5 4 3 2 1
61 19.80 18.48 17.04 15.48 13.80 11.88 9.84 7.68 5.28 2.64
62 21.12 19.68 18.24 16.56 14.76 12.72 10.56 8.28 5.64 2.88
63 22.56 21.12 19.44 17.76 15.72 13.68 11.40 8.76 6.00 3.00
64 24.12 22.56 20.88 18.96 16.92 14.64 12.12 9.48 6.48 3.24
65 24.00 22.44 20.76 18.84 16.80 14.64 12.12 9.48 6.48 3.24
66 26.76 25.08 23.16 21.12 18.84 16.32 13.56 10.56 7.20 3.60
67 28.56 26.76 24.72 22.56 20.04 17.40 14.52 11.28 7.80 3.96
68 30.24 28.32 26.16 23.88 21.24 18.48 15.36 12.00 8.28 4.20
69 32.04 30.00 27.84 25.32 22.68 19.68 16.32 12.72 8.76 4.44
70 33.96 31.92 29.52 27.00 24.12 20.88 17.40 13.56 9.36 4.68
71 - 33.84 31.44 28.68 25.68 22.32 18.60 14.52 9.96 5.04
72 - - 33.48 30.60 27.48 23.88 19.92 15.48 10.68 5.40
73 - - - 32.52 29.04 25.32 21.12 16.56 11.40 5.76
74 - - - - 30.84 26.88 22.44 17.52 12.12 6.12
75 - - - - - 28.56 23.88 18.72 12.96 6.48
76 - - - - - - 25.08 19.68 13.56 6.84
77 - - - - - - - 20.64 14.28 7.20
78 - - - - - - - - 14.88 7.56
79 - - - - - - - - - 7.92
23
Male Non-Smoker with Contribution Payment Term of 20 Years
Age 20 19 18 17 16 15 14 13 12 11
18 0.72 - - - - - - - - -
19 0.72 0.72 - - - - - - - -
20 0.84 0.72 0.72 - - - - - - -
21 0.84 0.84 0.72 0.72 - - - - - -
22 0.84 0.84 0.84 0.72 0.72 - - - - -
23 0.84 0.84 0.84 0.72 0.72 0.72 - - - -
24 0.84 0.84 0.84 0.72 0.72 0.72 0.72 - - -
25 0.84 0.84 0.84 0.72 0.72 0.72 0.72 0.60 - -
26 0.84 0.84 0.84 0.84 0.72 0.72 0.72 0.60 0.60 -
27 0.84 0.84 0.84 0.84 0.72 0.72 0.72 0.72 0.60 0.60
28 0.84 0.84 0.84 0.84 0.84 0.72 0.72 0.72 0.60 0.60
29 0.96 0.84 0.84 0.84 0.84 0.72 0.72 0.72 0.72 0.60
30 0.96 0.96 0.96 0.84 0.84 0.84 0.84 0.72 0.72 0.72
31 1.08 0.96 0.96 0.96 0.96 0.84 0.84 0.84 0.72 0.72
32 1.08 1.08 1.08 1.08 0.96 0.96 0.96 0.84 0.84 0.72
33 1.20 1.20 1.20 1.20 1.08 1.08 0.96 0.96 0.96 0.84
34 1.44 1.32 1.32 1.32 1.20 1.20 1.08 1.08 0.96 0.96
35 1.56 1.56 1.44 1.44 1.32 1.32 1.20 1.20 1.08 1.08
36 1.68 1.68 1.68 1.56 1.56 1.44 1.44 1.32 1.20 1.20
37 1.92 1.92 1.80 1.80 1.68 1.68 1.56 1.44 1.44 1.32
38 2.16 2.04 2.04 1.92 1.92 1.80 1.80 1.68 1.56 1.44
39 2.40 2.28 2.28 2.16 2.16 2.04 1.92 1.80 1.80 1.68
40 2.64 2.64 2.52 2.52 2.40 2.28 2.16 2.04 1.92 1.80
41 3.00 2.88 2.88 2.76 2.64 2.52 2.40 2.28 2.16 2.04
42 3.36 3.24 3.12 3.12 3.00 2.88 2.76 2.64 2.52 2.28
43 3.72 3.60 3.48 3.48 3.36 3.24 3.00 2.88 2.76 2.64
44 4.20 4.08 3.96 3.84 3.72 3.60 3.48 3.24 3.12 2.88
45 4.56 4.44 4.32 4.20 4.08 3.96 3.84 3.60 3.48 3.24
46 5.04 4.92 4.80 4.68 4.56 4.32 4.20 3.96 3.84 3.60
47 5.52 5.40 5.28 5.16 5.04 4.80 4.68 4.44 4.20 3.96
48 6.12 6.00 5.88 5.64 5.52 5.28 5.16 4.92 4.68 4.44
49 6.72 6.60 6.48 6.24 6.12 5.88 5.64 5.40 5.16 4.92
50 7.32 7.20 7.08 6.84 6.60 6.36 6.24 5.88 5.64 5.28
51 8.04 7.80 7.68 7.44 7.20 7.08 6.72 6.48 6.24 5.88
52 8.76 8.64 8.40 8.16 7.92 7.68 7.44 7.08 6.84 6.48
53 9.72 9.48 9.36 9.12 8.88 8.52 8.28 7.92 7.56 7.20
54 10.68 10.44 10.20 9.96 9.72 9.36 9.12 8.76 8.28 7.92
55 11.88 11.64 11.40 11.04 10.80 10.44 10.08 9.60 9.24 8.76
56 13.08 12.84 12.60 12.24 11.88 11.52 11.16 10.68 10.20 9.72
57 14.28 14.04 13.68 13.32 12.96 12.60 12.12 11.64 11.16 10.56
58 15.36 15.00 14.64 14.28 13.92 13.44 13.08 12.48 12.00 11.40
59 16.44 16.08 15.84 15.36 15.00 14.52 14.04 13.44 12.84 12.24
60 17.64 17.40 17.04 16.56 16.08 15.60 15.12 14.52 13.92 13.20
24
Age 20 19 18 17 16 15 14 13 12 11
61 - 18.60 18.12 17.76 17.28 16.80 16.20 15.60 14.88 14.16
62 - - 19.44 18.96 18.48 17.88 17.28 16.68 15.84 15.12
63 - - - 20.28 19.68 19.08 18.48 17.76 17.04 16.20
64 - - - - 21.12 20.52 19.80 19.08 18.24 17.28
65 - - - - - 20.40 19.68 18.96 18.12 17.28
66 - - - - - - 21.96 21.12 20.16 19.20
67 - - - - - - - 22.56 21.60 20.52
68 - - - - - - - - 22.80 21.72
69 - - - - - - - - - 23.04
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
25
Age 10 9 8 7 6 5 4 3 2 1
18 - - - - - - - - - -
19 - - - - - - - - - -
20 - - - - - - - - - -
21 - - - - - - - - - -
22 - - - - - - - - - -
23 - - - - - - - - - -
24 - - - - - - - - - -
25 - - - - - - - - - -
26 - - - - - - - - - -
27 - - - - - - - - - -
28 0.60 - - - - - - - - -
29 0.60 0.60 - - - - - - - -
30 0.60 0.60 0.48 - - - - - - -
31 0.72 0.60 0.60 0.48 - - - - - -
32 0.72 0.72 0.60 0.60 0.48 - - - - -
33 0.84 0.72 0.72 0.60 0.48 0.48 - - - -
34 0.84 0.84 0.72 0.72 0.60 0.48 0.48 - - -
35 0.96 0.96 0.84 0.72 0.60 0.60 0.48 0.36 - -
36 1.08 0.96 0.96 0.84 0.72 0.60 0.48 0.36 0.24 -
37 1.20 1.08 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
38 1.32 1.32 1.20 1.08 0.96 0.84 0.60 0.48 0.36 0.24
39 1.56 1.44 1.32 1.20 0.96 0.84 0.72 0.60 0.36 0.24
40 1.68 1.56 1.44 1.32 1.20 0.96 0.84 0.60 0.48 0.24
41 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 0.48 0.24
42 2.16 2.04 1.80 1.68 1.44 1.20 0.96 0.84 0.60 0.24
43 2.40 2.28 2.04 1.80 1.56 1.32 1.08 0.84 0.60 0.36
44 2.76 2.52 2.28 2.04 1.80 1.56 1.32 0.96 0.72 0.36
45 3.00 2.76 2.52 2.28 2.04 1.68 1.44 1.08 0.72 0.36
46 3.36 3.12 2.88 2.52 2.28 1.92 1.56 1.20 0.84 0.48
47 3.72 3.48 3.12 2.88 2.52 2.16 1.80 1.32 0.96 0.48
48 4.08 3.84 3.48 3.12 2.76 2.40 1.92 1.56 1.08 0.60
49 4.56 4.20 3.84 3.48 3.12 2.64 2.16 1.68 1.20 0.60
50 5.04 4.68 4.32 3.84 3.36 2.88 2.40 1.92 1.32 0.60
51 5.52 5.16 4.68 4.20 3.72 3.24 2.64 2.04 1.44 0.72
52 6.00 5.64 5.16 4.68 4.20 3.60 3.00 2.28 1.56 0.84
53 6.72 6.24 5.76 5.16 4.56 3.96 3.24 2.52 1.80 0.84
54 7.44 6.96 6.36 5.76 5.16 4.44 3.60 2.76 1.92 0.96
55 8.28 7.68 7.08 6.36 5.64 4.92 4.08 3.12 2.16 1.08
56 9.12 8.52 7.80 7.08 6.24 5.40 4.56 3.48 2.40 1.20
57 9.96 9.24 8.52 7.80 6.84 6.00 4.92 3.84 2.64 1.32
58 10.68 9.96 9.24 8.28 7.44 6.36 5.28 4.08 2.88 1.44
59 11.52 10.68 9.84 9.00 7.92 6.84 5.76 4.44 3.00 1.56
60 12.36 11.52 10.68 9.72 8.64 7.44 6.12 4.80 3.24 1.68
26
Age 10 9 8 7 6 5 4 3 2 11
61 13.32 12.36 11.40 10.44 9.24 7.92 6.60 5.16 3.48 1.80
62 14.28 13.32 12.24 11.16 9.84 8.52 7.08 5.52 3.84 1.92
63 15.24 14.16 13.08 11.88 10.56 9.12 7.56 5.88 4.08 2.04
64 16.32 15.24 14.04 12.72 11.40 9.84 8.16 6.36 4.32 2.16
65 16.20 15.12 14.04 12.72 11.28 9.84 8.16 6.36 4.32 2.16
66 18.12 16.92 15.60 14.16 12.60 10.92 9.12 7.08 4.80 2.40
67 19.32 18.12 16.68 15.12 13.56 11.64 9.72 7.56 5.16 2.64
68 20.52 19.20 17.76 16.08 14.28 12.36 10.32 8.04 5.52 2.76
69 21.84 20.40 18.84 17.16 15.24 13.20 10.92 8.52 5.88 3.00
70 23.16 21.72 20.04 18.24 16.20 14.04 11.64 9.12 6.24 3.12
71 - 23.04 21.36 19.44 17.28 15.00 12.48 9.72 6.72 3.36
72 - - 22.80 20.76 18.48 16.08 13.32 10.32 7.08 3.60
73 - - - 22.08 19.68 17.04 14.16 11.04 7.56 3.84
74 - - - - 20.88 18.12 15.12 11.76 8.16 4.08
75 - - - - - 19.32 16.08 12.48 8.64 4.32
76 - - - - - - 17.16 13.32 9.24 4.68
77 - - - - - - - 14.16 9.84 4.92
78 - - - - - - - - 10.32 5.28
79 - - - - - - - - - 5.52
27
Female Smoker with Contribution Payment Term of 20 Years
Age 20 19 18 17 16 15 14 13 12 11
18 0.72 - - - - - - - - -
19 0.72 0.72 - - - - - - - -
20 0.84 0.72 0.72 - - - - - - -
21 0.84 0.84 0.84 0.84 - - - - - -
22 0.96 0.96 0.96 0.84 0.84 - - - - -
23 1.08 1.08 0.96 0.96 0.96 0.96 - - - -
24 1.20 1.08 1.08 1.08 1.08 0.96 0.96 - - -
25 1.32 1.20 1.20 1.20 1.08 1.08 1.08 0.96 - -
26 1.32 1.32 1.20 1.20 1.20 1.08 1.08 1.08 0.96 -
27 1.44 1.44 1.32 1.32 1.32 1.20 1.20 1.08 1.08 0.96
28 1.56 1.56 1.44 1.44 1.32 1.32 1.32 1.20 1.08 1.08
29 1.68 1.68 1.56 1.56 1.56 1.44 1.44 1.32 1.20 1.20
30 1.92 1.80 1.80 1.68 1.68 1.56 1.56 1.44 1.32 1.32
31 2.04 2.04 1.92 1.92 1.80 1.80 1.68 1.56 1.56 1.44
32 2.28 2.16 2.16 2.04 2.04 1.92 1.80 1.80 1.68 1.56
33 2.40 2.40 2.28 2.28 2.16 2.04 2.04 1.92 1.80 1.68
34 2.64 2.64 2.52 2.40 2.40 2.28 2.16 2.04 2.04 1.92
35 2.88 2.88 2.76 2.64 2.64 2.52 2.40 2.28 2.16 2.04
36 3.24 3.12 3.12 3.00 2.88 2.76 2.64 2.52 2.40 2.28
37 3.48 3.48 3.36 3.24 3.12 3.12 3.00 2.76 2.64 2.52
38 3.84 3.72 3.72 3.60 3.48 3.36 3.24 3.12 3.00 2.76
39 4.20 4.08 4.08 3.96 3.84 3.72 3.60 3.36 3.24 3.12
40 4.56 4.56 4.44 4.32 4.20 4.08 3.96 3.72 3.60 3.36
41 5.04 4.92 4.80 4.68 4.56 4.44 4.32 4.08 3.96 3.72
42 5.52 5.40 5.28 5.16 5.04 4.92 4.68 4.56 4.32 4.08
43 5.88 5.76 5.64 5.52 5.40 5.28 5.16 4.92 4.68 4.44
44 6.36 6.24 6.12 6.00 5.88 5.76 5.52 5.28 5.16 4.80
45 6.84 6.72 6.60 6.48 6.36 6.12 6.00 5.76 5.52 5.28
46 7.32 7.32 7.20 6.96 6.84 6.72 6.48 6.24 6.00 5.76
47 7.80 7.68 7.56 7.32 7.20 7.08 6.84 6.60 6.36 6.12
48 7.92 7.80 7.68 7.56 7.44 7.20 7.08 6.84 6.60 6.24
49 8.16 8.04 7.92 7.80 7.68 7.44 7.20 7.08 6.72 6.48
50 8.40 8.28 8.16 8.04 7.92 7.68 7.56 7.32 6.96 6.72
51 8.76 8.64 8.52 8.28 8.16 8.04 7.80 7.56 7.32 6.96
52 9.00 8.88 8.76 8.64 8.52 8.28 8.04 7.80 7.56 7.32
53 9.36 9.24 9.12 9.00 8.88 8.64 8.40 8.16 7.92 7.56
54 9.84 9.72 9.60 9.36 9.24 9.00 8.76 8.52 8.28 7.92
55 10.32 10.20 9.96 9.84 9.72 9.48 9.24 9.00 8.64 8.28
56 10.80 10.68 10.56 10.32 10.20 9.96 9.72 9.48 9.12 8.76
57 11.28 11.16 11.04 10.80 10.68 10.44 10.20 9.84 9.60 9.24
58 11.76 11.64 11.52 11.40 11.16 10.92 10.68 10.32 9.96 9.60
59 12.36 12.24 12.12 11.88 11.64 11.40 11.16 10.92 10.56 10.08
60 13.20 12.96 12.84 12.60 12.36 12.12 11.88 11.52 11.16 10.68
28
Age 20 19 18 17 16 15 14 13 12 11
61 - 13.80 13.56 13.44 13.20 12.84 12.60 12.24 11.76 11.40
62 - - 14.40 14.28 14.04 13.68 13.32 12.96 12.60 12.12
63 - - - 15.24 14.88 14.64 14.28 13.92 13.44 12.96
64 - - - - 15.96 15.60 15.24 14.88 14.40 13.80
65 - - - - - 14.76 14.40 14.04 13.56 13.08
66 - - - - - - 16.08 15.60 15.12 14.52
67 - - - - - - - 16.92 16.32 15.72
68 - - - - - - - - 17.64 16.92
69 - - - - - - - - - 18.12
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
29
Age 10 9 8 7 6 5 4 3 2 1
18 - - - - - - - - - -
19 - - - - - - - - - -
20 - - - - - - - - - -
21 - - - - - - - - - -
22 - - - - - - - - - -
23 - - - - - - - - - -
24 - - - - - - - - - -
25 - - - - - - - - - -
26 - - - - - - - - - -
27 - - - - - - - - - -
28 0.96 - - - - - - - - -
29 1.08 0.96 - - - - - - - -
30 1.20 1.08 1.08 - - - - - - -
31 1.32 1.20 1.08 0.96 - - - - - -
32 1.44 1.32 1.20 1.08 0.96 - - - - -
33 1.56 1.44 1.32 1.20 1.08 0.96 - - - -
34 1.80 1.56 1.44 1.32 1.20 0.96 0.84 - - -
35 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 - -
36 2.16 2.04 1.80 1.68 1.44 1.20 1.08 0.84 0.60 -
37 2.40 2.16 2.04 1.80 1.56 1.32 1.08 0.84 0.60 0.36
38 2.64 2.40 2.16 2.04 1.80 1.56 1.20 0.96 0.72 0.36
39 2.88 2.64 2.40 2.16 1.92 1.68 1.32 1.08 0.72 0.36
40 3.12 2.88 2.64 2.40 2.16 1.80 1.56 1.20 0.84 0.48
41 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.96 0.48
42 3.84 3.60 3.24 3.00 2.64 2.28 1.92 1.44 0.96 0.48
43 4.20 3.84 3.60 3.24 2.88 2.52 2.04 1.56 1.08 0.60
44 4.56 4.20 3.96 3.60 3.12 2.76 2.28 1.68 1.20 0.60
45 4.92 4.68 4.32 3.84 3.48 3.00 2.40 1.92 1.32 0.72
46 5.40 5.04 4.68 4.20 3.72 3.24 2.64 2.04 1.44 0.72
47 5.76 5.40 4.92 4.56 3.96 3.48 2.88 2.28 1.56 0.84
48 5.88 5.52 5.16 4.68 4.20 3.60 3.00 2.28 1.56 0.84
49 6.12 5.76 5.40 4.92 4.32 3.72 3.12 2.40 1.68 0.84
50 6.36 6.00 5.64 5.16 4.56 3.96 3.36 2.52 1.80 0.96
51 6.60 6.24 5.88 5.28 4.80 4.20 3.48 2.76 1.92 0.96
52 6.96 6.48 6.12 5.64 5.04 4.32 3.72 2.88 2.04 1.08
53 7.20 6.84 6.36 5.88 5.28 4.56 3.84 3.00 2.16 1.08
54 7.56 7.20 6.72 6.12 5.52 4.92 4.08 3.24 2.28 1.20
55 7.92 7.56 7.08 6.48 5.88 5.16 4.32 3.36 2.40 1.20
56 8.40 7.92 7.44 6.84 6.12 5.40 4.56 3.60 2.52 1.32
57 8.76 8.28 7.80 7.20 6.48 5.64 4.80 3.84 2.64 1.32
58 9.12 8.64 8.16 7.44 6.72 6.00 5.04 3.96 2.76 1.44
59 9.60 9.12 8.52 7.92 7.08 6.24 5.28 4.20 2.88 1.56
60 10.20 9.72 9.00 8.28 7.56 6.60 5.64 4.44 3.12 1.56
30
Age 10 9 8 7 6 5 4 3 2 1
61 10.80 10.20 9.60 8.88 8.04 7.08 5.88 4.68 3.24 1.68
62 11.52 10.92 10.20 9.36 8.52 7.44 6.36 5.04 3.48 1.80
63 12.36 11.64 10.92 10.08 9.12 8.04 6.72 5.28 3.72 1.92
64 13.20 12.48 11.64 10.80 9.72 8.52 7.20 5.76 3.96 2.04
65 12.48 11.88 11.04 10.20 9.24 8.16 6.84 5.40 3.84 1.92
66 13.92 13.20 12.36 11.40 10.32 9.00 7.68 6.00 4.20 2.16
67 15.00 14.16 13.32 12.24 11.04 9.72 8.28 6.48 4.56 2.40
68 16.20 15.36 14.28 13.20 12.00 10.56 8.88 7.08 4.92 2.52
69 17.28 16.44 15.36 14.16 12.84 11.28 9.48 7.56 5.28 2.76
70 18.48 17.52 16.44 15.12 13.68 12.00 10.20 8.04 5.64 2.88
71 - 18.72 17.52 16.20 14.64 12.84 10.92 8.64 6.00 3.12
72 - - 18.72 17.28 15.60 13.80 11.64 9.24 6.48 3.36
73 - - - 18.48 16.68 14.64 12.36 9.84 6.84 3.48
74 - - - - 17.76 15.60 13.20 10.44 7.32 3.72
75 - - - - - 16.56 14.04 11.16 7.80 3.96
76 - - - - - - 14.76 11.64 8.16 4.20
77 - - - - - - - 12.24 8.64 4.44
78 - - - - - - - - 9.00 4.68
79 - - - - - - - - - 4.92
31
Female Non-Smoker with Contribution Payment Term of 20 Years
Age 20 19 18 17 16 15 14 13 12 11
18 0.60 - - - - - - - - -
19 0.60 0.60 - - - - - - - -
20 0.60 0.60 0.60 - - - - - - -
21 0.72 0.72 0.72 0.60 - - - - - -
22 0.72 0.72 0.72 0.72 0.72 - - - - -
23 0.84 0.72 0.72 0.72 0.72 0.72 - - - -
24 0.84 0.84 0.84 0.72 0.72 0.72 0.72 - - -
25 0.84 0.84 0.84 0.84 0.72 0.72 0.72 0.72 - -
26 0.96 0.96 0.84 0.84 0.84 0.84 0.72 0.72 0.72 -
27 0.96 0.96 0.96 0.96 0.84 0.84 0.84 0.72 0.72 0.72
28 1.08 1.08 1.08 0.96 0.96 0.96 0.84 0.84 0.84 0.72
29 1.20 1.20 1.08 1.08 1.08 0.96 0.96 0.96 0.84 0.84
30 1.32 1.32 1.20 1.20 1.20 1.08 1.08 0.96 0.96 0.84
31 1.44 1.44 1.32 1.32 1.20 1.20 1.20 1.08 1.08 0.96
32 1.56 1.56 1.44 1.44 1.32 1.32 1.32 1.20 1.20 1.08
33 1.68 1.68 1.56 1.56 1.56 1.44 1.44 1.32 1.20 1.20
34 1.92 1.80 1.80 1.68 1.68 1.56 1.56 1.44 1.32 1.32
35 2.04 2.04 1.92 1.92 1.80 1.80 1.68 1.56 1.56 1.44
36 2.28 2.16 2.16 2.04 2.04 1.92 1.80 1.80 1.68 1.56
37 2.52 2.40 2.40 2.28 2.28 2.16 2.04 1.92 1.80 1.80
38 2.76 2.64 2.64 2.52 2.40 2.40 2.28 2.16 2.04 1.92
39 3.00 2.88 2.88 2.76 2.64 2.64 2.52 2.40 2.28 2.16
40 3.24 3.24 3.12 3.00 3.00 2.88 2.76 2.64 2.52 2.28
41 3.60 3.48 3.48 3.36 3.24 3.12 3.00 2.88 2.76 2.52
42 3.96 3.84 3.72 3.72 3.60 3.48 3.36 3.12 3.00 2.88
43 4.32 4.20 4.08 3.96 3.84 3.72 3.60 3.48 3.24 3.12
44 4.56 4.56 4.44 4.32 4.20 4.08 3.96 3.72 3.60 3.36
45 4.92 4.92 4.80 4.68 4.56 4.44 4.32 4.08 3.96 3.72
46 5.40 5.28 5.16 5.04 4.92 4.80 4.68 4.44 4.20 4.08
47 5.64 5.52 5.40 5.40 5.16 5.04 4.92 4.68 4.56 4.32
48 5.76 5.76 5.64 5.52 5.40 5.28 5.04 4.92 4.68 4.44
49 6.00 5.88 5.76 5.64 5.52 5.40 5.28 5.04 4.80 4.56
50 6.12 6.12 6.00 5.88 5.76 5.64 5.40 5.28 5.04 4.80
51 6.36 6.24 6.12 6.12 5.88 5.76 5.64 5.40 5.28 5.04
52 6.60 6.48 6.36 6.24 6.12 6.00 5.88 5.64 5.40 5.16
53 6.84 6.72 6.60 6.48 6.36 6.24 6.12 5.88 5.64 5.40
54 7.08 6.96 6.96 6.84 6.60 6.48 6.36 6.12 5.88 5.64
55 7.44 7.32 7.20 7.08 6.96 6.84 6.60 6.48 6.24 6.00
56 7.68 7.56 7.56 7.44 7.20 7.08 6.96 6.72 6.48 6.24
57 7.92 7.92 7.80 7.68 7.56 7.32 7.20 6.96 6.72 6.48
58 8.16 8.04 8.04 7.92 7.68 7.56 7.32 7.20 6.96 6.60
59 8.52 8.40 8.28 8.16 7.92 7.80 7.56 7.44 7.20 6.84
60 8.88 8.76 8.64 8.52 8.28 8.16 7.92 7.68 7.44 7.20
32
Age 20 19 18 17 16 15 14 13 12 11
61 - 9.24 9.12 9.00 8.76 8.64 8.40 8.16 7.92 7.56
62 - - 9.72 9.48 9.36 9.12 8.88 8.64 8.40 8.04
63 - - - 10.20 9.96 9.84 9.60 9.24 9.00 8.64
64 - - - - 10.68 10.44 10.20 9.96 9.60 9.24
65 - - - - - 9.96 9.72 9.36 9.12 8.76
66 - - - - - - 10.80 10.44 10.08 9.72
67 - - - - - - - 11.28 10.92 10.56
68 - - - - - - - - 11.76 11.28
69 - - - - - - - - - 12.12
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
33
Age 10 9 8 7 6 5 4 3 2 1
18 - - - - - - - - - -
19 - - - - - - - - - -
20 - - - - - - - - - -
21 - - - - - - - - - -
22 - - - - - - - - - -
23 - - - - - - - - - -
24 - - - - - - - - - -
25 - - - - - - - - - -
26 - - - - - - - - - -
27 - - - - - - - - - -
28 0.72 - - - - - - - - -
29 0.72 0.72 - - - - - - - -
30 0.84 0.72 0.72 - - - - - - -
31 0.96 0.84 0.72 0.72 - - - - - -
32 0.96 0.96 0.84 0.72 0.72 - - - - -
33 1.08 0.96 0.96 0.84 0.72 0.60 - - - -
34 1.20 1.08 1.08 0.96 0.84 0.72 0.60 - - -
35 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.48 - -
36 1.44 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.36 -
37 1.68 1.56 1.32 1.20 1.08 0.96 0.72 0.60 0.48 0.24
38 1.80 1.68 1.56 1.32 1.20 1.08 0.84 0.72 0.48 0.24
39 1.92 1.80 1.68 1.56 1.32 1.20 0.96 0.72 0.48 0.24
40 2.16 2.04 1.80 1.68 1.44 1.32 1.08 0.84 0.60 0.36
41 2.40 2.28 2.04 1.80 1.68 1.44 1.20 0.84 0.60 0.36
42 2.64 2.52 2.28 2.04 1.80 1.56 1.32 0.96 0.72 0.36
43 2.88 2.76 2.52 2.28 1.92 1.68 1.44 1.08 0.72 0.36
44 3.12 3.00 2.76 2.40 2.16 1.80 1.56 1.20 0.84 0.48
45 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.96 0.48
46 3.84 3.48 3.24 2.88 2.64 2.28 1.80 1.44 0.96 0.48
47 4.08 3.72 3.48 3.12 2.76 2.40 1.92 1.56 1.08 0.60
48 4.20 3.84 3.60 3.24 2.88 2.52 2.04 1.56 1.08 0.60
49 4.32 4.08 3.72 3.36 3.00 2.64 2.16 1.68 1.20 0.60
50 4.56 4.20 3.96 3.60 3.12 2.76 2.28 1.80 1.20 0.60
51 4.80 4.44 4.08 3.72 3.36 2.88 2.40 1.92 1.32 0.72
52 4.92 4.68 4.32 3.96 3.48 3.00 2.52 1.92 1.32 0.72
53 5.16 4.92 4.56 4.08 3.72 3.24 2.64 2.04 1.44 0.72
54 5.40 5.16 4.80 4.32 3.84 3.36 2.88 2.16 1.56 0.84
55 5.64 5.40 5.04 4.56 4.08 3.60 3.00 2.40 1.68 0.84
56 5.88 5.64 5.28 4.80 4.32 3.84 3.12 2.52 1.68 0.84
57 6.12 5.76 5.40 5.04 4.56 3.96 3.36 2.64 1.80 0.96
58 6.36 6.00 5.64 5.16 4.68 4.08 3.48 2.76 1.92 0.96
59 6.60 6.24 5.76 5.40 4.80 4.20 3.60 2.88 2.04 1.08
60 6.84 6.48 6.12 5.64 5.04 4.44 3.72 3.00 2.04 1.08
34
Age 10 9 8 7 6 5 4 3 2 11
61 7.20 6.84 6.36 5.88 5.28 4.68 3.96 3.12 2.16 1.20
62 7.68 7.32 6.84 6.24 5.64 5.04 4.20 3.36 2.40 1.20
63 8.28 7.80 7.32 6.72 6.12 5.40 4.56 3.60 2.52 1.32
64 8.76 8.40 7.80 7.20 6.48 5.76 4.80 3.84 2.64 1.44
65 8.40 7.92 7.44 6.84 6.12 5.40 4.56 3.60 2.52 1.32
66 9.36 8.76 8.28 7.56 6.84 6.00 5.04 4.08 2.88 1.44
67 10.08 9.48 8.88 8.16 7.44 6.48 5.52 4.32 3.00 1.56
68 10.80 10.20 9.60 8.88 8.04 6.96 5.88 4.68 3.24 1.68
69 11.64 10.92 10.32 9.48 8.52 7.56 6.36 5.04 3.48 1.80
70 12.36 11.76 10.92 10.08 9.12 8.04 6.84 5.40 3.72 1.92
71 - 12.48 11.76 10.80 9.72 8.64 7.32 5.76 4.08 2.04
72 - - 12.48 11.52 10.44 9.24 7.80 6.12 4.32 2.16
73 - - - 12.36 11.16 9.84 8.28 6.60 4.56 2.40
74 - - - - 11.88 10.44 8.76 6.96 4.92 2.52
75 - - - - - 11.04 9.36 7.44 5.16 2.64
76 - - - - - - 9.96 7.92 5.52 2.88
77 - - - - - - - 8.40 5.88 3.00
78 - - - - - - - - 6.24 3.24
79 - - - - - - - - - 3.48
35

Attained Remaining Contribution Payment Terms
Age 10 9 8 7 6 5 4 3 2 1
18 0.48 - - - - - - - - -
19 0.60 0.48 - - - - - - - -
20 0.60 0.60 0.48 - - - - - - -
21 0.60 0.60 0.60 0.48 - - - - - -
22 0.72 0.60 0.60 0.48 0.48 - - - - -
23 0.72 0.72 0.60 0.60 0.48 0.48 - - - -
24 0.72 0.72 0.60 0.60 0.48 0.48 0.36 - - -
25 0.72 0.72 0.60 0.60 0.48 0.48 0.36 0.36 - -
26 0.72 0.72 0.72 0.60 0.48 0.48 0.36 0.36 0.24 -
27 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.36 0.24 0.12
28 0.84 0.72 0.72 0.60 0.60 0.48 0.36 0.36 0.24 0.12
29 0.84 0.72 0.72 0.60 0.60 0.48 0.36 0.36 0.24 0.12
30 0.84 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.24 0.12
31 0.96 0.84 0.84 0.72 0.60 0.60 0.48 0.36 0.24 0.12
32 1.08 0.96 0.84 0.84 0.72 0.60 0.48 0.36 0.24 0.12
33 1.20 1.08 0.96 0.84 0.72 0.72 0.60 0.48 0.36 0.24
34 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
35 1.44 1.32 1.20 1.08 0.96 0.84 0.72 0.48 0.36 0.24
36 1.56 1.44 1.32 1.20 1.08 0.96 0.72 0.60 0.36 0.24
37 1.80 1.68 1.44 1.32 1.20 0.96 0.84 0.60 0.48 0.24
38 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 0.48 0.24
39 2.28 2.04 1.92 1.68 1.44 1.32 1.08 0.84 0.60 0.36
40 2.52 2.28 2.04 1.92 1.68 1.44 1.20 0.96 0.60 0.36
41 2.76 2.64 2.40 2.16 1.92 1.56 1.32 1.08 0.72 0.36
42 3.12 2.88 2.64 2.40 2.16 1.80 1.44 1.20 0.84 0.36
43 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.84 0.48
44 3.96 3.60 3.36 3.00 2.64 2.28 1.92 1.44 0.96 0.48
45 4.32 4.08 3.72 3.36 3.00 2.52 2.04 1.56 1.08 0.60
46 4.80 4.44 4.08 3.72 3.24 2.76 2.28 1.80 1.20 0.60
47 5.28 4.92 4.56 4.08 3.60 3.12 2.52 2.04 1.32 0.72
48 5.88 5.52 5.04 4.56 4.08 3.48 2.88 2.16 1.56 0.72
49 6.48 6.00 5.52 5.04 4.44 3.84 3.24 2.52 1.68 0.84
50 7.08 6.60 6.12 5.52 4.92 4.20 3.48 2.76 1.92 0.96
51 7.80 7.32 6.72 6.12 5.40 4.68 3.84 3.00 2.04 1.08
52 8.64 8.04 7.44 6.72 6.00 5.16 4.32 3.36 2.28 1.20
53 9.60 9.00 8.28 7.56 6.72 5.76 4.80 3.72 2.52 1.32
54 10.68 9.96 9.24 8.40 7.44 6.36 5.28 4.08 2.88 1.44
55 12.00 11.16 10.32 9.36 8.28 7.20 6.00 4.68 3.12 1.56
56 13.44 12.48 11.52 10.44 9.24 8.04 6.72 5.16 3.60 1.80
57 14.76 13.68 12.60 11.52 10.20 8.88 7.32 5.64 3.96 1.92
58 15.84 14.76 13.68 12.36 11.04 9.48 7.92 6.12 4.20 2.16
59 17.16 15.96 14.76 13.44 11.88 10.32 8.52 6.60 4.56 2.28
60 18.48 17.16 15.84 14.40 12.84 11.04 9.24 7.20 4.92 2.52
36
Age 10 9 8 7 6 5 4 3 2 1
61 - 18.48 17.04 15.48 13.80 11.88 9.84 7.68 5.28 2.64
62 - - 18.24 16.56 14.76 12.72 10.56 8.28 5.64 2.88
63 - - - 17.76 15.72 13.68 11.40 8.76 6.00 3.00
64 - - - - 16.92 14.64 12.12 9.48 6.48 3.24
65 - - - - - 14.64 12.12 9.48 6.48 3.24
66 - - - - - - 13.56 10.56 7.20 3.60
67 - - - - - - - 11.28 7.80 3.96
68 - - - - - - - - 8.28 4.20
69 - - - - - - - - - 4.44
37
Age 10 9 8 7 6 5 4 3 2 1
18 0.48 - - - - - - - - -
19 0.48 0.48 - - - - - - - -
20 0.48 0.48 0.48 - - - - - - -
21 0.48 0.48 0.48 0.36 - - - - - -
22 0.48 0.48 0.48 0.36 0.36 - - - - -
23 0.48 0.48 0.48 0.36 0.36 0.36 - - - -
24 0.48 0.48 0.48 0.36 0.36 0.36 0.24 - - -
25 0.48 0.48 0.48 0.36 0.36 0.36 0.24 0.24 - -
26 0.60 0.48 0.48 0.48 0.36 0.36 0.24 0.24 0.12 -
27 0.60 0.48 0.48 0.48 0.36 0.36 0.24 0.24 0.12 0.12
28 0.60 0.48 0.48 0.48 0.36 0.36 0.24 0.24 0.12 0.12
29 0.60 0.60 0.48 0.48 0.36 0.36 0.24 0.24 0.24 0.12
30 0.60 0.60 0.48 0.48 0.48 0.36 0.36 0.24 0.24 0.12
31 0.72 0.60 0.60 0.48 0.48 0.36 0.36 0.24 0.24 0.12
32 0.72 0.72 0.60 0.60 0.48 0.48 0.36 0.24 0.24 0.12
33 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.36 0.24 0.12
34 0.84 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.24 0.12
35 0.96 0.96 0.84 0.72 0.60 0.60 0.48 0.36 0.24 0.12
36 1.08 0.96 0.96 0.84 0.72 0.60 0.48 0.36 0.24 0.12
37 1.20 1.08 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
38 1.32 1.32 1.20 1.08 0.96 0.84 0.60 0.48 0.36 0.24
39 1.56 1.44 1.32 1.20 0.96 0.84 0.72 0.60 0.36 0.24
40 1.68 1.56 1.44 1.32 1.20 0.96 0.84 0.60 0.48 0.24
41 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 0.48 0.24
42 2.16 2.04 1.80 1.68 1.44 1.20 0.96 0.84 0.60 0.24
43 2.40 2.28 2.04 1.80 1.56 1.32 1.08 0.84 0.60 0.36
44 2.76 2.52 2.28 2.04 1.80 1.56 1.32 0.96 0.72 0.36
45 3.00 2.76 2.52 2.28 2.04 1.68 1.44 1.08 0.72 0.36
46 3.36 3.12 2.88 2.52 2.28 1.92 1.56 1.20 0.84 0.48
47 3.72 3.48 3.12 2.88 2.52 2.16 1.80 1.32 0.96 0.48
48 4.08 3.84 3.48 3.12 2.76 2.40 1.92 1.56 1.08 0.60
49 4.56 4.20 3.84 3.48 3.12 2.64 2.16 1.68 1.20 0.60
50 5.04 4.68 4.32 3.84 3.36 2.88 2.40 1.92 1.32 0.60
51 5.52 5.16 4.68 4.20 3.72 3.24 2.64 2.04 1.44 0.72
52 6.00 5.64 5.16 4.68 4.20 3.60 3.00 2.28 1.56 0.84
53 6.72 6.24 5.76 5.16 4.56 3.96 3.24 2.52 1.80 0.84
54 7.44 6.96 6.36 5.76 5.16 4.44 3.60 2.76 1.92 0.96
55 8.28 7.68 7.08 6.36 5.64 4.92 4.08 3.12 2.16 1.08
56 9.12 8.52 7.80 7.08 6.24 5.40 4.56 3.48 2.40 1.20
57 9.96 9.24 8.52 7.80 6.84 6.00 4.92 3.84 2.64 1.32
58 10.68 9.96 9.24 8.28 7.44 6.36 5.28 4.08 2.88 1.44
59 11.52 10.68 9.84 9.00 7.92 6.84 5.76 4.44 3.00 1.56
60 12.36 11.52 10.68 9.72 8.64 7.44 6.12 4.80 3.24 1.68
38
Age 10 9 8 7 6 5 4 3 2 1
61 - 12.36 11.40 10.44 9.24 7.92 6.60 5.16 3.48 1.80
62 - - 12.24 11.16 9.84 8.52 7.08 5.52 3.84 1.92
63 - - - 11.88 10.56 9.12 7.56 5.88 4.08 2.04
64 - - - - 11.40 9.84 8.16 6.36 4.32 2.16
65 - - - - - 9.84 8.16 6.36 4.32 2.16
66 - - - - - - 9.12 7.08 4.80 2.40
67 - - - - - - - 7.56 5.16 2.64
68 - - - - - - - - 5.52 2.76
69 - - - - - - - - - 3.00
39
Age 10 9 8 7 6 5 4 3 2 1
18 0.48 - - - - - - - - -
19 0.48 0.48 - - - - - - - -
20 0.48 0.48 0.48 - - - - - - -
21 0.60 0.48 0.48 0.48 - - - - - -
22 0.60 0.60 0.48 0.48 0.48 - - - - -
23 0.72 0.60 0.60 0.48 0.48 0.36 - - - -
24 0.72 0.72 0.60 0.60 0.48 0.48 0.36 - - -
25 0.84 0.72 0.72 0.60 0.60 0.48 0.36 0.36 - -
26 0.84 0.84 0.72 0.60 0.60 0.48 0.36 0.36 0.24 -
27 0.96 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.24 0.12
28 0.96 0.96 0.84 0.72 0.72 0.60 0.48 0.36 0.24 0.12
29 1.08 0.96 0.96 0.84 0.72 0.60 0.48 0.36 0.36 0.12
30 1.20 1.08 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
31 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
32 1.44 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.36 0.24
33 1.56 1.44 1.32 1.20 1.08 0.96 0.72 0.60 0.48 0.24
34 1.80 1.56 1.44 1.32 1.20 0.96 0.84 0.60 0.48 0.24
35 1.92 1.80 1.68 1.44 1.32 1.08 0.96 0.72 0.48 0.24
36 2.16 2.04 1.80 1.68 1.44 1.20 1.08 0.84 0.60 0.36
37 2.40 2.16 2.04 1.80 1.56 1.32 1.08 0.84 0.60 0.36
38 2.64 2.40 2.16 2.04 1.80 1.56 1.20 0.96 0.72 0.36
39 2.88 2.64 2.40 2.16 1.92 1.68 1.32 1.08 0.72 0.36
40 3.12 2.88 2.64 2.40 2.16 1.80 1.56 1.20 0.84 0.48
41 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.96 0.48
42 3.84 3.60 3.24 3.00 2.64 2.28 1.92 1.44 0.96 0.48
43 4.20 3.84 3.60 3.24 2.88 2.52 2.04 1.56 1.08 0.60
44 4.56 4.20 3.96 3.60 3.12 2.76 2.28 1.68 1.20 0.60
45 4.92 4.68 4.32 3.84 3.48 3.00 2.40 1.92 1.32 0.72
46 5.40 5.04 4.68 4.20 3.72 3.24 2.64 2.04 1.44 0.72
47 5.76 5.40 4.92 4.56 3.96 3.48 2.88 2.28 1.56 0.84
48 5.88 5.52 5.16 4.68 4.20 3.60 3.00 2.28 1.56 0.84
49 6.12 5.76 5.40 4.92 4.32 3.72 3.12 2.40 1.68 0.84
50 6.36 6.00 5.64 5.16 4.56 3.96 3.36 2.52 1.80 0.96
51 6.60 6.24 5.88 5.28 4.80 4.20 3.48 2.76 1.92 0.96
52 6.96 6.48 6.12 5.64 5.04 4.32 3.72 2.88 2.04 1.08
53 7.20 6.84 6.36 5.88 5.28 4.56 3.84 3.00 2.16 1.08
54 7.56 7.20 6.72 6.12 5.52 4.92 4.08 3.24 2.28 1.20
55 7.92 7.56 7.08 6.48 5.88 5.16 4.32 3.36 2.40 1.20
56 8.40 7.92 7.44 6.84 6.12 5.40 4.56 3.60 2.52 1.32
57 8.76 8.28 7.80 7.20 6.48 5.64 4.80 3.84 2.64 1.32
58 9.12 8.64 8.16 7.44 6.72 6.00 5.04 3.96 2.76 1.44
59 9.60 9.12 8.52 7.92 7.08 6.24 5.28 4.20 2.88 1.56
60 10.20 9.72 9.00 8.28 7.56 6.60 5.64 4.44 3.12 1.56
40
Age 10 9 8 7 6 5 4 3 2 1
61 - 10.20 9.60 8.88 8.04 7.08 5.88 4.68 3.24 1.68
62 - - 10.20 9.36 8.52 7.44 6.36 5.04 3.48 1.80
63 - - - 10.08 9.12 8.04 6.72 5.28 3.72 1.92
64 - - - - 9.72 8.52 7.20 5.76 3.96 2.04
65 - - - - - 8.16 6.84 5.40 3.84 1.92
66 - - - - - - 7.68 6.00 4.20 2.16
67 - - - - - - - 6.48 4.56 2.40
68 - - - - - - - - 4.92 2.52
69 - - - - - - - - - 2.76
41
Age 10 9 8 7 6 5 4 3 2 1
18 0.36 - - - - - - - - -
19 0.36 0.36 - - - - - - - -
20 0.36 0.36 0.36 - - - - - - -
21 0.48 0.36 0.36 0.36 - - - - - -
22 0.48 0.48 0.36 0.36 0.36 - - - - -
23 0.48 0.48 0.48 0.36 0.36 0.36 - - - -
24 0.60 0.48 0.48 0.36 0.36 0.36 0.24 - - -
25 0.60 0.48 0.48 0.48 0.36 0.36 0.24 0.24 - -
26 0.60 0.60 0.48 0.48 0.36 0.36 0.36 0.24 0.24 -
27 0.60 0.60 0.60 0.48 0.48 0.36 0.36 0.24 0.24 0.12
28 0.72 0.60 0.60 0.48 0.48 0.36 0.36 0.24 0.24 0.12
29 0.72 0.72 0.60 0.60 0.48 0.48 0.36 0.24 0.24 0.12
30 0.84 0.72 0.72 0.60 0.60 0.48 0.36 0.36 0.24 0.12
31 0.96 0.84 0.72 0.72 0.60 0.48 0.48 0.36 0.24 0.12
32 0.96 0.96 0.84 0.72 0.72 0.60 0.48 0.36 0.24 0.12
33 1.08 0.96 0.96 0.84 0.72 0.60 0.48 0.36 0.36 0.12
34 1.20 1.08 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
35 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.48 0.36 0.24
36 1.44 1.32 1.20 1.08 0.96 0.84 0.72 0.60 0.36 0.24
37 1.68 1.56 1.32 1.20 1.08 0.96 0.72 0.60 0.48 0.24
38 1.80 1.68 1.56 1.32 1.20 1.08 0.84 0.72 0.48 0.24
39 1.92 1.80 1.68 1.56 1.32 1.20 0.96 0.72 0.48 0.24
40 2.16 2.04 1.80 1.68 1.44 1.32 1.08 0.84 0.60 0.36
41 2.40 2.28 2.04 1.80 1.68 1.44 1.20 0.84 0.60 0.36
42 2.64 2.52 2.28 2.04 1.80 1.56 1.32 0.96 0.72 0.36
43 2.88 2.76 2.52 2.28 1.92 1.68 1.44 1.08 0.72 0.36
44 3.12 3.00 2.76 2.40 2.16 1.80 1.56 1.20 0.84 0.48
45 3.48 3.24 3.00 2.64 2.40 2.04 1.68 1.32 0.96 0.48
46 3.84 3.48 3.24 2.88 2.64 2.28 1.80 1.44 0.96 0.48
47 4.08 3.72 3.48 3.12 2.76 2.40 1.92 1.56 1.08 0.60
48 4.20 3.84 3.60 3.24 2.88 2.52 2.04 1.56 1.08 0.60
49 4.32 4.08 3.72 3.36 3.00 2.64 2.16 1.68 1.20 0.60
50 4.56 4.20 3.96 3.60 3.12 2.76 2.28 1.80 1.20 0.60
51 4.80 4.44 4.08 3.72 3.36 2.88 2.40 1.92 1.32 0.72
52 4.92 4.68 4.32 3.96 3.48 3.00 2.52 1.92 1.32 0.72
53 5.16 4.92 4.56 4.08 3.72 3.24 2.64 2.04 1.44 0.72
54 5.40 5.16 4.80 4.32 3.84 3.36 2.88 2.16 1.56 0.84
55 5.64 5.40 5.04 4.56 4.08 3.60 3.00 2.40 1.68 0.84
56 5.88 5.64 5.28 4.80 4.32 3.84 3.12 2.52 1.68 0.84
57 6.12 5.76 5.40 5.04 4.56 3.96 3.36 2.64 1.80 0.96
58 6.36 6.00 5.64 5.16 4.68 4.08 3.48 2.76 1.92 0.96
59 6.60 6.24 5.76 5.40 4.80 4.20 3.60 2.88 2.04 1.08
60 6.84 6.48 6.12 5.64 5.04 4.44 3.72 3.00 2.04 1.08
42
Age 10 9 8 7 6 5 4 3 2 1
61 - 6.84 6.36 5.88 5.28 4.68 3.96 3.12 2.16 1.20
62 - - 6.84 6.24 5.64 5.04 4.20 3.36 2.40 1.20
63 - - - 6.72 6.12 5.40 4.56 3.60 2.52 1.32
64 - - - - 6.48 5.76 4.80 3.84 2.64 1.44
65 - - - - - 5.40 4.56 3.60 2.52 1.32
66 - - - - - - 5.04 4.08 2.88 1.44
67 - - - - - - - 4.32 3.00 1.56
68 - - - - - - - - 3.24 1.68
69 - - - - - - - - - 1.80
43

Remaining Contribution Payment Terms
Attained Age
5 4 3 2 1
18 0.36 - - - -
19 0.36 0.24 - - -
20 0.36 0.36 0.24 - -
21 0.36 0.36 0.24 0.24 -
22 0.36 0.36 0.24 0.24 0.12
23 0.48 0.36 0.24 0.24 0.12
24 0.48 0.36 0.24 0.24 0.12
25 0.48 0.36 0.36 0.24 0.12
26 0.48 0.36 0.36 0.24 0.12
27 0.48 0.36 0.36 0.24 0.12
28 0.48 0.36 0.36 0.24 0.12
29 0.48 0.36 0.36 0.24 0.12
30 0.48 0.48 0.36 0.24 0.12
31 0.60 0.48 0.36 0.24 0.12
32 0.60 0.48 0.36 0.24 0.12
33 0.72 0.60 0.48 0.36 0.24
34 0.72 0.60 0.48 0.36 0.24
35 0.84 0.72 0.48 0.36 0.24
36 0.96 0.72 0.60 0.36 0.24
37 0.96 0.84 0.60 0.48 0.24
38 1.08 0.96 0.72 0.48 0.24
39 1.32 1.08 0.84 0.60 0.36
40 1.44 1.20 0.96 0.60 0.36
41 1.56 1.32 1.08 0.72 0.36
42 1.80 1.44 1.20 0.84 0.36
43 2.04 1.68 1.32 0.84 0.48
44 2.28 1.92 1.44 0.96 0.48
45 2.52 2.04 1.56 1.08 0.60
46 2.76 2.28 1.80 1.20 0.60
47 3.12 2.52 2.04 1.32 0.72
48 3.48 2.88 2.16 1.56 0.72
49 3.84 3.24 2.52 1.68 0.84
50 4.20 3.48 2.76 1.92 0.96
51 4.68 3.84 3.00 2.04 1.08
52 5.16 4.32 3.36 2.28 1.20
53 5.76 4.80 3.72 2.52 1.32
54 6.36 5.28 4.08 2.88 1.44
55 7.20 6.00 4.68 3.12 1.56
56 8.04 6.72 5.16 3.60 1.80
57 8.88 7.32 5.64 3.96 1.92
58 9.48 7.92 6.12 4.20 2.16
59 10.32 8.52 6.60 4.56 2.28
60 11.04 9.24 7.20 4.92 2.52
61 - 9.84 7.68 5.28 2.64
62 - - 8.28 5.64 2.88
63 - - - 6.00 3.00
64 - - - - 3.24
44
Attained Age
5 4 3 2 1
18 0.24 - - - -
19 0.36 0.24 - - -
20 0.36 0.24 0.24 - -
21 0.36 0.24 0.24 0.12 -
22 0.36 0.24 0.24 0.12 0.12
23 0.36 0.24 0.24 0.12 0.12
24 0.36 0.24 0.24 0.12 0.12
25 0.36 0.24 0.24 0.12 0.12
26 0.36 0.24 0.24 0.12 0.12
27 0.36 0.24 0.24 0.12 0.12
28 0.36 0.24 0.24 0.12 0.12
29 0.36 0.24 0.24 0.24 0.12
30 0.36 0.36 0.24 0.24 0.12
31 0.36 0.36 0.24 0.24 0.12
32 0.48 0.36 0.24 0.24 0.12
33 0.48 0.36 0.36 0.24 0.12
34 0.48 0.48 0.36 0.24 0.12
35 0.60 0.48 0.36 0.24 0.12
36 0.60 0.48 0.36 0.24 0.12
37 0.72 0.60 0.48 0.36 0.24
38 0.84 0.60 0.48 0.36 0.24
39 0.84 0.72 0.60 0.36 0.24
40 0.96 0.84 0.60 0.48 0.24
41 1.08 0.96 0.72 0.48 0.24
42 1.20 0.96 0.84 0.60 0.24
43 1.32 1.08 0.84 0.60 0.36
44 1.56 1.32 0.96 0.72 0.36
45 1.68 1.44 1.08 0.72 0.36
46 1.92 1.56 1.20 0.84 0.48
47 2.16 1.80 1.32 0.96 0.48
48 2.40 1.92 1.56 1.08 0.60
49 2.64 2.16 1.68 1.20 0.60
50 2.88 2.40 1.92 1.32 0.60
51 3.24 2.64 2.04 1.44 0.72
52 3.60 3.00 2.28 1.56 0.84
53 3.96 3.24 2.52 1.80 0.84
54 4.44 3.60 2.76 1.92 0.96
55 4.92 4.08 3.12 2.16 1.08
56 5.40 4.56 3.48 2.40 1.20
57 6.00 4.92 3.84 2.64 1.32
58 6.36 5.28 4.08 2.88 1.44
59 6.84 5.76 4.44 3.00 1.56
60 7.44 6.12 4.80 3.24 1.68
61 - 6.60 5.16 3.48 1.80
62 - - 5.52 3.84 1.92
63 - - - 4.08 2.04
64 - - - - 2.16
45
Attained Age
5 4 3 2 1
18 0.24 - - - -
19 0.24 0.24 - - -
20 0.36 0.24 0.24 - -
21 0.36 0.24 0.24 0.12 -
22 0.36 0.36 0.24 0.24 0.12
23 0.36 0.36 0.24 0.24 0.12
24 0.48 0.36 0.24 0.24 0.12
25 0.48 0.36 0.36 0.24 0.12
26 0.48 0.36 0.36 0.24 0.12
27 0.48 0.48 0.36 0.24 0.12
28 0.60 0.48 0.36 0.24 0.12
29 0.60 0.48 0.36 0.36 0.12
30 0.72 0.60 0.48 0.36 0.24
31 0.72 0.60 0.48 0.36 0.24
32 0.84 0.72 0.60 0.36 0.24
33 0.96 0.72 0.60 0.48 0.24
34 0.96 0.84 0.60 0.48 0.24
35 1.08 0.96 0.72 0.48 0.24
36 1.20 1.08 0.84 0.60 0.36
37 1.32 1.08 0.84 0.60 0.36
38 1.56 1.20 0.96 0.72 0.36
39 1.68 1.32 1.08 0.72 0.36
40 1.80 1.56 1.20 0.84 0.48
41 2.04 1.68 1.32 0.96 0.48
42 2.28 1.92 1.44 0.96 0.48
43 2.52 2.04 1.56 1.08 0.60
44 2.76 2.28 1.68 1.20 0.60
45 3.00 2.40 1.92 1.32 0.72
46 3.24 2.64 2.04 1.44 0.72
47 3.48 2.88 2.28 1.56 0.84
48 3.60 3.00 2.28 1.56 0.84
49 3.72 3.12 2.40 1.68 0.84
50 3.96 3.36 2.52 1.80 0.96
51 4.20 3.48 2.76 1.92 0.96
52 4.32 3.72 2.88 2.04 1.08
53 4.56 3.84 3.00 2.16 1.08
54 4.92 4.08 3.24 2.28 1.20
55 5.16 4.32 3.36 2.40 1.20
56 5.40 4.56 3.60 2.52 1.32
57 5.64 4.80 3.84 2.64 1.32
58 6.00 5.04 3.96 2.76 1.44
59 6.24 5.28 4.20 2.88 1.56
60 6.60 5.64 4.44 3.12 1.56
61 - 5.88 4.68 3.24 1.68
62 - - 5.04 3.48 1.80
63 - - - 3.72 1.92
64 - - - - 2.04
46
Attained Age
5 4 3 2 1
18 0.24 - - - -
19 0.24 0.24 - - -
20 0.24 0.24 0.24 - -
21 0.24 0.24 0.24 0.12 -
22 0.24 0.24 0.24 0.12 0.12
23 0.36 0.24 0.24 0.12 0.12
24 0.36 0.24 0.24 0.12 0.12
25 0.36 0.24 0.24 0.12 0.12
26 0.36 0.36 0.24 0.24 0.12
27 0.36 0.36 0.24 0.24 0.12
28 0.36 0.36 0.24 0.24 0.12
29 0.48 0.36 0.24 0.24 0.12
30 0.48 0.36 0.36 0.24 0.12
31 0.48 0.48 0.36 0.24 0.12
32 0.60 0.48 0.36 0.24 0.12
33 0.60 0.48 0.36 0.36 0.12
34 0.72 0.60 0.48 0.36 0.24
35 0.72 0.60 0.48 0.36 0.24
36 0.84 0.72 0.60 0.36 0.24
37 0.96 0.72 0.60 0.48 0.24
38 1.08 0.84 0.72 0.48 0.24
39 1.20 0.96 0.72 0.48 0.24
40 1.32 1.08 0.84 0.60 0.36
41 1.44 1.20 0.84 0.60 0.36
42 1.56 1.32 0.96 0.72 0.36
43 1.68 1.44 1.08 0.72 0.36
44 1.80 1.56 1.20 0.84 0.48
45 2.04 1.68 1.32 0.96 0.48
46 2.28 1.80 1.44 0.96 0.48
47 2.40 1.92 1.56 1.08 0.60
48 2.52 2.04 1.56 1.08 0.60
49 2.64 2.16 1.68 1.20 0.60
50 2.76 2.28 1.80 1.20 0.60
51 2.88 2.40 1.92 1.32 0.72
52 3.00 2.52 1.92 1.32 0.72
53 3.24 2.64 2.04 1.44 0.72
54 3.36 2.88 2.16 1.56 0.84
55 3.60 3.00 2.40 1.68 0.84
56 3.84 3.12 2.52 1.68 0.84
57 3.96 3.36 2.64 1.80 0.96
58 4.08 3.48 2.76 1.92 0.96
59 4.20 3.60 2.88 2.04 1.08
60 4.44 3.72 3.00 2.04 1.08
61 - 3.96 3.12 2.16 1.20
62 - - 3.36 2.40 1.20
63 - - - 2.52 1.32
64 - - - - 1.44
47
A-Plus ParentWaiver-i
Description
A-Plus ParentWaiver-i is a contribution paying rider (CPR) which can be attached to A-Life Legasi Builder.
In the event the Participant dies, becomes totally and permanently disabled before the certificate owner
reaches the age of 70 years old or is diagnosed with any of the 44 critical illness or undergoes a covered
surgery, the Takaful Operator shall contribute the future contribution payment until the Person Covered
(juvenile certificate) reaches the age of 25 or up to the remaining contribution term of the plan, whichever
is earlier.
1. Death Benefit:
In the event of death of the participant before the person covered reaches age 25, the Takaful Operator
shall waive the total contribution (excluding this rider contribution) until the person covered reaches age
25, or up to remaining contribution term of the basic plan; whichever is earlier.
2. TPD Benefit:
In the event the participant suffers Total and Permanent Disability before reaching age 70 and before
the person covered reaches age 25, the Takaful Operator shall waive the total contribution (excluding
this rider contribution) until the person covered reaches age 25 or up to remaining contribution term of
the basic plan; whichever is earlier.
3. Critical Illness Benefit:
In the event the participant is diagnosed with any of the 44 critical illness covered or undergoing a
covered surgery before the person covered reaches age 25, the Takaful Operator shall waive the total
contribution (excluding this rider contribution) until the person covered reaches age 25 or up to
remaining contribution term of the basic plan; whichever is earlier.
48
4. List of critical illnesses covered under A-Plus ParentWaiver-i:
1) Stroke - resulting in Permanent Neurological 25) Parkinson's Disease - resulting in Permanent

Deficit with Persisting Clinical Symptoms inability to perform Activities of Daily Living
2) Cancer - of specified severity and does not 26) Terminal Illness
cover very early cancers 27) Encephalitis - resulting in Permanent inability to
3) Heart Attack - of specified severity perform Activities of Daily Living
4) Coronary Artery By-Pass Surgery 28) Benign Brain Tumor - of specified severity
5) Serious Coronary Artery Disease 29) Major Head Trauma - resulting in Permanent
6) Heart Valve Surgery inability to perform Activities of Daily Living
7) Fulminant Viral Hepatitis 30) Bacterial Meningitis - resulting in Permanent
8) End Stage Liver Failure inability to perform Activities of Daily Living
9) Primary Pulmonary Arterial Hypertension - of 31) Medullary Cystic Disease
specified severity 32) Brain Surgery
10) End Stage Lung Disease 33) Loss of Independent Existence
11) Kidney Failure - requiring dialysis or kidney 34) HIV Infection Due to Blood Transfusion
transplant 35) Cardiomyopathy - of specified severity
12) Surgery to Aorta 36) Full Blown AIDS
13) Chronic Aplastic Anemia - resulting in 37) Systemic Lupus Erythematosus with Severe
Permanent Bone Marrow Failure Kidney Complications
14) Major Organ / Bone Marrow Transplant 38) Occupationally Acquired Human Immunodeficiency
15) Blindness - Permanent and Irreversible Virus (HIV) Infection
16) Deafness - Permanent and Irreversible 39) Poliomyelitis - resulting in the total inability to
17) Loss of Speech perform Activities of Daily Living at least three
18) Coma - resulting in Permanent Neurological months
Deficit With Persisting Clinical Symptoms 40) Progressive Scleroderma – requiring biopsy and
19) Third Degree Burn - of specified severity serological evidence
20) Multiple Sclerosis 41) Apallic Syndrome – requiring neurologist
21) Paralysis of Limbs consultant and has to be medically documented for
22) Muscular Dystrophy at least one month
23) Alzheimer's Disease / Severe Dementia 42) Chronic Relapsing Pancreatitis – Permanent and
24) Motor Neuron Disease - Permanent Irreversible
Neurological Deficit With Persisting Clinical 43) Elephantiasis – resulting in Permanent and
Symptoms Lymphatic Obstruction.
44) Creutzfeldt-Jakob Disease (Mad Cow Disease) –
requiring a neurologist and evidences of diagnostic
tests.
Underwriting
1. Entry Age
Minimum Age Maximum Age

Participant 18 years old 60 years old
Person Covered 14 days 17 years old
2. Coverage Term
Until Person Covered attains the age of 25 or up to the remaining contribution term of the plan,
whichever is earlier.
4. Sum Covered
Total contribution paid, excluding this rider contribution, up to Person Covered age of 25 years old.
Note: No option to choose different sum covered amount.
Maximum Sum Covered: RM250,000 annual contribution
49
Annual Tabarru’ Rate for Male
Parent Child Attained Age

Attained
0 1 2 3 4 5 6 7 8 9
Age
18 2.19 2.13 2.07 2.01 1.94 1.87 1.80 1.73 1.65 1.58
19 2.46 2.39 2.31 2.25 2.17 2.09 2.02 1.94 1.85 1.78
20 2.69 2.61 2.53 2.46 2.38 2.29 2.22 2.12 2.03 1.94
21 2.79 2.71 2.63 2.56 2.47 2.38 2.29 2.20 2.11 2.01
22 2.79 2.71 2.63 2.56 2.47 2.38 2.29 2.20 2.11 2.01
23 2.81 2.73 2.64 2.57 2.48 2.39 2.30 2.22 2.12 2.02
24 2.81 2.73 2.66 2.58 2.49 2.40 2.31 2.23 2.13 2.03
25 2.81 2.73 2.66 2.58 2.49 2.40 2.31 2.23 2.13 2.03
26 2.81 2.73 2.66 2.58 2.49 2.40 2.31 2.23 2.13 2.03
27 2.84 2.77 2.68 2.60 2.51 2.42 2.34 2.24 2.15 2.05
28 2.90 2.82 2.73 2.66 2.57 2.48 2.38 2.29 2.19 2.08
29 2.95 2.88 2.79 2.70 2.61 2.52 2.42 2.33 2.23 2.13
30 3.25 3.16 3.07 2.97 2.88 2.79 2.68 2.57 2.46 2.34
31 3.39 3.29 3.21 3.11 3.01 2.90 2.80 2.68 2.57 2.45
32 3.61 3.50 3.41 3.30 3.19 3.08 2.97 2.85 2.72 2.61
33 3.93 3.82 3.71 3.59 3.47 3.36 3.23 3.10 2.97 2.83
34 4.29 4.17 4.04 3.93 3.79 3.66 3.52 3.38 3.24 3.08
35 4.67 4.55 4.42 4.27 4.14 4.00 3.84 3.69 3.54 3.37
36 5.14 5.00 4.84 4.70 4.55 4.38 4.22 4.05 3.88 3.71
37 5.61 5.46 5.31 5.14 4.97 4.79 4.61 4.43 4.24 4.04
38 6.15 5.99 5.81 5.64 5.46 5.25 5.05 4.86 4.65 4.44
39 6.79 6.60 6.42 6.22 6.01 5.80 5.58 5.36 5.14 4.90
40 7.54 7.34 7.12 6.90 6.68 6.45 6.20 5.96 5.70 5.44
41 7.54 7.70 7.48 7.25 7.00 6.76 6.52 6.25 5.98 5.71
42 8.38 8.14 8.39 8.12 7.86 7.57 7.30 7.00 6.70 6.40
43 9.38 9.11 8.85 9.09 8.80 8.49 8.17 7.85 7.51 7.15
44 10.54 10.26 9.96 9.65 9.89 9.55 9.20 8.83 8.45 8.06
45 11.80 11.47 11.14 10.80 10.43 10.67 10.28 9.87 9.44 9.01
46 12.81 12.46 12.09 11.72 11.33 10.93 11.16 10.72 10.26 9.78
47 14.30 13.92 13.51 13.09 12.67 12.21 11.76 11.97 11.46 10.94
48 16.00 15.56 15.11 14.63 14.15 13.66 13.15 12.62 12.81 12.21
49 17.90 17.41 16.90 16.37 15.83 15.28 14.71 14.12 13.51 13.67
50 19.93 19.38 18.80 18.22 17.63 17.01 16.37 15.71 15.04 14.35
51 22.15 21.53 20.90 20.26 19.60 18.90 18.20 17.47 16.72 15.94
52 24.67 23.98 23.28 22.57 21.82 21.06 20.27 19.45 18.62 17.76
53 27.66 26.89 26.11 25.30 24.47 23.61 22.73 21.82 20.88 19.91
54 30.85 30.00 29.12 28.22 27.30 26.34 25.35 24.34 23.29 22.21
55 34.51 33.57 32.59 31.57 30.54 29.46 28.36 27.23 26.06 24.85
56 38.59 37.54 36.44 35.31 34.15 32.95 31.72 30.45 29.14 27.79
57 42.48 41.30 40.10 38.86 37.58 36.26 34.91 33.51 32.07 30.58
58 45.98 44.72 43.41 42.07 40.68 39.25 37.79 36.27 34.72 33.11
59 49.78 48.40 47.00 45.53 44.04 42.50 40.90 39.26 37.58 35.84
60 53.92 52.43 50.90 49.33 47.70 46.03 44.31 42.53 40.70 38.82
50
Attained
0 1 2 3 4 5 6 7 8 9
Age
61 - 56.64 54.99 53.29 51.54 49.74 47.88 45.95 43.98 41.95
62 - - 59.31 57.48 55.59 53.63 51.63 49.56 47.44 45.24
63 - - - 61.99 59.95 57.84 55.69 53.45 51.15 48.79
64 - - - - 64.82 62.54 60.21 57.79 55.31 52.75
65 - - - - - 63.24 60.88 58.44 55.93 53.34
66 - - - - - - 68.19 65.47 62.65 59.76
67 - - - - - - - 70.50 67.48 64.35
68 - - - - - - - - 72.25 68.91
69 - - - - - - - - - 73.92
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
80 - - - - - - - - - -
81 - - - - - - - - - -
82 - - - - - - - - - -
83 - - - - - - - - - -
84 - - - - - - - - - -
51
Attained
10 11 12 13 14 15 16 17 18 19
Age
18 1.50 1.42 1.34 1.25 1.16 1.07 0.98 0.88 0.79 0.68
19 1.69 1.59 1.50 1.40 1.30 1.20 1.09 0.98 0.87 0.76
20 1.84 1.74 1.64 1.53 1.42 1.31 1.20 1.08 0.96 0.83
21 1.91 1.81 1.70 1.59 1.48 1.37 1.25 1.13 0.99 0.86
22 1.91 1.81 1.70 1.59 1.48 1.37 1.25 1.13 0.99 0.86
23 1.92 1.82 1.71 1.60 1.49 1.37 1.25 1.13 1.01 0.87
24 1.93 1.82 1.72 1.61 1.49 1.38 1.26 1.14 1.01 0.87
25 1.93 1.82 1.72 1.61 1.49 1.38 1.26 1.14 1.01 0.87
26 1.93 1.82 1.72 1.61 1.49 1.38 1.26 1.14 1.01 0.87
27 1.94 1.84 1.73 1.62 1.51 1.39 1.27 1.14 1.02 0.88
28 1.98 1.87 1.76 1.65 1.53 1.41 1.29 1.17 1.04 0.90
29 2.02 1.92 1.80 1.69 1.57 1.45 1.31 1.19 1.05 0.92
30 2.23 2.11 2.00 1.86 1.72 1.60 1.46 1.31 1.16 1.02
31 2.33 2.20 2.07 1.94 1.81 1.67 1.51 1.38 1.21 1.06
32 2.47 2.34 2.20 2.06 1.92 1.78 1.62 1.46 1.29 1.12
33 2.69 2.56 2.40 2.25 2.08 1.92 1.75 1.59 1.41 1.23
34 2.94 2.78 2.61 2.45 2.27 2.09 1.91 1.72 1.52 1.32
35 3.21 3.03 2.85 2.67 2.48 2.28 2.08 1.89 1.67 1.46
36 3.52 3.34 3.14 2.94 2.72 2.51 2.29 2.06 1.83 1.60
37 3.84 3.63 3.43 3.21 2.99 2.75 2.50 2.26 2.01 1.73
38 4.22 3.99 3.76 3.52 3.26 3.01 2.75 2.47 2.19 1.91
39 4.65 4.40 4.15 3.88 3.60 3.33 3.03 2.72 2.42 2.11
40 5.16 4.89 4.60 4.31 4.00 3.68 3.37 3.03 2.69 2.33
41 5.42 5.13 4.82 4.53 4.20 3.87 3.54 3.18 2.82 2.45
42 6.08 5.75 5.41 5.05 4.71 4.34 3.95 3.57 3.16 2.74
43 6.80 6.44 6.07 5.67 5.27 4.84 4.43 3.99 3.54 3.07
44 7.66 7.24 6.82 6.37 5.92 5.46 4.98 4.49 3.98 3.45
45 8.55 8.10 7.63 7.13 6.63 6.11 5.57 5.01 4.45 3.85
46 9.29 8.79 8.28 7.74 7.19 6.63 6.05 5.44 4.82 4.20
47 10.39 9.83 9.24 8.65 8.03 7.41 6.75 6.09 5.39 4.69
48 11.61 10.98 10.34 9.66 8.99 8.28 7.55 6.79 6.02 5.23
49 12.98 12.29 11.57 10.82 10.05 9.26 8.44 7.61 6.74 5.86
50 14.46 13.68 12.87 12.04 11.18 10.30 9.40 8.46 7.51 6.52
51 15.15 15.20 14.30 13.38 12.42 11.44 10.44 9.41 8.33 7.24
52 16.88 15.97 15.92 14.90 13.84 12.75 11.63 10.48 9.29 8.06
53 18.92 17.90 16.85 16.70 15.51 14.30 13.05 11.75 10.41 9.04
54 21.10 19.97 18.79 17.58 17.32 15.95 14.55 13.11 11.61 10.08
55 23.61 22.33 21.01 19.66 18.26 17.85 16.27 14.66 12.98 11.27
56 26.40 24.97 23.50 21.99 20.43 18.81 18.20 16.39 14.52 12.60
57 29.06 27.48 25.87 24.19 22.48 20.71 18.88 18.03 15.99 13.88
58 31.45 29.76 28.00 26.20 24.34 22.42 20.44 18.41 17.30 15.02
59 34.05 32.21 30.31 28.35 26.34 24.27 22.14 19.94 17.66 16.25
60 36.89 34.89 32.84 30.72 28.54 26.28 23.97 21.59 19.13 16.60
52
Attained
10 11 12 13 14 15 16 17 18 19
Age
61 39.86 37.70 35.48 33.18 30.83 28.41 25.90 23.32 20.67 17.93
62 42.98 40.65 38.26 35.79 33.25 30.63 27.93 25.15 22.29 19.34
63 46.36 43.85 41.27 38.60 35.86 33.04 30.12 27.13 24.04 20.87
64 50.12 47.40 44.61 41.74 38.77 35.72 32.58 29.33 26.00 22.55
65 50.68 47.93 45.10 42.20 39.20 36.12 32.94 29.66 26.28 22.81
66 56.78 53.70 50.54 47.27 43.92 40.45 36.90 33.22 29.44 25.56
67 61.14 57.83 54.42 50.91 47.29 43.58 39.74 35.79 31.72 27.52
68 65.47 61.92 58.27 54.51 50.64 46.66 42.54 38.32 33.95 29.46
69 70.24 66.43 62.52 58.48 54.33 50.05 45.64 41.10 36.43 31.61
70 73.92 69.92 65.80 61.55 57.18 52.67 48.04 43.26 38.34 33.27
71 - 76.30 71.80 67.17 62.40 57.48 52.42 47.21 41.84 36.30
72 - - 78.57 73.51 68.28 62.90 57.36 51.66 45.78 39.73
73 - - - 80.01 74.33 68.47 62.44 56.24 49.83 43.25
74 - - - - 80.71 74.35 67.81 61.07 54.11 46.96
75 - - - - - 80.70 73.59 66.27 58.73 50.97
76 - - - - - - 79.56 71.64 63.49 55.09
77 - - - - - - - 77.06 68.29 59.26
78 - - - - - - - - 73.37 63.67
79 - - - - - - - - - 68.40
80 - - - - - - - - - -
81 - - - - - - - - - -
82 - - - - - - - - - -
83 - - - - - - - - - -
84 - - - - - - - - - -
53
Attained
20 21 22 23 24
Age
18 0.58 0.47 0.36 0.24 0.13
19 0.64 0.52 0.40 0.27 0.14
20 0.71 0.58 0.43 0.29 0.15
21 0.73 0.59 0.46 0.30 0.15
22 0.73 0.59 0.46 0.30 0.15
23 0.73 0.60 0.46 0.30 0.16
24 0.74 0.60 0.46 0.30 0.16
25 0.74 0.60 0.46 0.30 0.16
26 0.74 0.60 0.46 0.30 0.16
27 0.74 0.60 0.46 0.31 0.16
28 0.76 0.62 0.47 0.31 0.16
29 0.77 0.63 0.48 0.32 0.16
30 0.86 0.70 0.52 0.36 0.18
31 0.90 0.72 0.54 0.37 0.18
32 0.95 0.76 0.58 0.39 0.19
33 1.04 0.84 0.64 0.43 0.22
34 1.13 0.91 0.70 0.47 0.24
35 1.23 0.99 0.75 0.51 0.26
36 1.34 1.09 0.83 0.55 0.28
37 1.47 1.19 0.91 0.61 0.30
38 1.61 1.30 0.99 0.66 0.33
39 1.78 1.43 1.09 0.73 0.36
40 1.97 1.60 1.21 0.82 0.41
41 2.06 1.68 1.27 0.85 0.42
42 2.31 1.87 1.42 0.95 0.47
43 2.59 2.09 1.59 1.06 0.52
44 2.91 2.36 1.79 1.20 0.59
45 3.26 2.63 2.00 1.34 0.65
46 3.54 2.85 2.17 1.45 0.71
47 3.95 3.19 2.42 1.62 0.80
48 4.42 3.57 2.70 1.81 0.88
49 4.93 4.00 3.02 2.02 0.99
50 5.49 4.44 3.36 2.25 1.09
51 6.11 4.94 3.73 2.49 1.23
52 6.79 5.50 4.16 2.78 1.35
53 7.63 6.16 4.66 3.11 1.51
54 8.50 6.88 5.20 3.47 1.69
55 9.51 7.68 5.81 3.88 1.89
56 10.63 8.60 6.49 4.34 2.11
57 11.70 9.45 7.14 4.77 2.31
58 12.67 10.23 7.74 5.16 2.51
59 13.71 11.07 8.38 5.59 2.72
60 14.84 11.99 9.07 6.05 2.95
54
Attained
20 21 22 23 24
Age
61 15.13 12.96 9.81 6.54 3.18
62 16.31 13.18 10.56 7.06 3.43
63 17.59 14.22 10.75 7.61 3.69
64 19.02 15.37 11.62 7.75 4.00
65 19.23 15.55 11.75 7.84 4.00
66 21.54 17.42 13.16 8.78 4.26
67 23.20 18.76 14.17 9.45 4.59
68 24.84 20.08 15.17 10.12 4.92
69 26.65 21.54 16.28 10.86 5.27
70 28.04 22.68 17.13 11.42 5.55
71 30.61 24.74 18.69 12.47 6.05
72 33.49 27.08 20.45 13.64 6.63
73 36.46 29.46 22.27 14.85 7.21
74 39.59 32.00 24.18 16.13 7.84
75 42.97 34.73 26.24 17.51 8.50
76 46.45 37.54 28.36 18.92 9.19
77 49.96 40.37 30.51 20.34 9.88
78 53.67 43.39 32.78 21.86 10.62
79 57.67 46.61 35.22 23.49 11.40
80 62.17 50.24 37.97 25.32 12.29
81 - 53.81 40.65 27.11 13.16
82 - - 43.38 28.93 14.05
83 - - - 31.17 15.13
84 - - - - 16.37
55
Annual Tabarru’ Rate for Female

Attained
0 1 2 3 4 5 6 7 8 9
Age
18 1.42 1.39 1.35 1.30 1.26 1.21 1.17 1.13 1.08 1.03
19 1.48 1.45 1.40 1.36 1.31 1.27 1.21 1.17 1.13 1.07
20 1.62 1.58 1.53 1.49 1.43 1.39 1.34 1.28 1.23 1.17
21 1.79 1.73 1.69 1.63 1.58 1.52 1.47 1.41 1.35 1.29
22 1.95 1.90 1.84 1.79 1.73 1.67 1.61 1.54 1.48 1.41
23 2.08 2.02 1.96 1.91 1.84 1.78 1.71 1.64 1.57 1.50
24 2.23 2.16 2.11 2.04 1.97 1.91 1.83 1.75 1.69 1.61
25 2.36 2.29 2.23 2.16 2.08 2.02 1.94 1.86 1.79 1.70
26 2.46 2.38 2.31 2.25 2.17 2.09 2.02 1.94 1.85 1.76
27 2.62 2.56 2.48 2.40 2.33 2.25 2.16 2.07 1.98 1.90
28 2.84 2.77 2.68 2.60 2.51 2.42 2.34 2.24 2.15 2.05
29 3.07 2.99 2.90 2.81 2.72 2.62 2.52 2.42 2.33 2.22
30 3.58 3.47 3.38 3.27 3.16 3.05 2.94 2.82 2.70 2.58
31 3.81 3.71 3.60 3.49 3.38 3.26 3.14 3.02 2.89 2.75
32 4.18 4.06 3.95 3.83 3.71 3.58 3.44 3.30 3.16 3.02
33 4.59 4.47 4.34 4.21 4.06 3.93 3.78 3.62 3.47 3.30
34 5.05 4.92 4.78 4.62 4.47 4.32 4.16 3.99 3.82 3.65
35 5.58 5.43 5.27 5.11 4.94 4.77 4.59 4.40 4.22 4.02
36 6.11 5.94 5.77 5.59 5.41 5.22 5.02 4.82 4.61 4.40
37 6.79 6.60 6.42 6.22 6.01 5.80 5.59 5.37 5.14 4.91
38 7.52 7.32 7.10 6.88 6.66 6.42 6.19 5.93 5.69 5.42
39 8.34 8.11 7.88 7.64 7.39 7.12 6.87 6.58 6.31 6.01
40 9.29 9.04 8.77 8.50 8.22 7.92 7.64 7.33 7.02 6.69
41 9.57 9.87 9.60 9.29 8.99 8.67 8.34 8.02 7.67 7.32
42 10.66 10.37 10.67 10.34 10.00 9.65 9.29 8.91 8.54 8.14
43 11.75 11.43 11.10 11.40 11.03 10.64 10.25 9.84 9.42 8.98
44 12.96 12.60 12.24 11.85 12.16 11.74 11.30 10.84 10.38 9.89
45 14.27 13.88 13.47 13.05 12.62 12.92 12.43 11.94 11.42 10.91
46 15.77 15.33 14.89 14.43 13.95 13.46 13.73 13.18 12.62 12.04
47 16.99 16.52 16.03 15.54 15.03 14.50 13.96 14.22 13.60 12.97
48 17.89 17.40 16.89 16.36 15.82 15.27 14.70 14.22 14.32 13.67
49 18.90 18.39 17.85 17.30 16.72 16.14 15.54 14.92 14.32 14.44
50 20.05 19.50 18.92 18.34 17.74 17.11 16.47 15.81 15.14 14.44
51 21.30 20.71 20.11 19.49 18.85 18.19 17.51 16.80 16.09 15.34
52 22.72 22.09 21.44 20.78 20.10 19.40 18.67 17.92 17.15 16.36
53 24.30 23.64 22.95 22.24 21.51 20.75 19.98 19.18 18.35 17.51
54 26.05 25.33 24.59 23.83 23.05 22.24 21.41 20.55 19.67 18.76
55 27.96 27.19 26.39 25.57 24.73 23.86 22.97 22.05 21.10 20.13
56 29.98 29.15 28.31 27.43 26.53 25.60 24.64 23.65 22.64 21.60
57 31.95 31.07 30.16 29.22 28.26 27.27 26.25 25.21 24.12 23.01
58 33.75 32.83 31.87 30.88 29.87 28.82 27.75 26.64 25.49 24.31
59 35.67 34.68 33.66 32.63 31.55 30.45 29.31 28.13 26.92 25.68
60 38.05 37.01 35.93 34.82 33.68 32.49 31.28 30.02 28.74 27.41
56
Attained
0 1 2 3 4 5 6 7 8 9
Age
61 - 39.59 38.44 37.24 36.02 34.75 33.46 32.11 30.74 29.32
62 - - 41.22 39.95 38.63 37.27 35.88 34.45 32.96 31.44
63 - - - 43.00 41.58 40.12 38.63 37.07 35.49 33.85
64 - - - - 44.82 43.25 41.63 39.97 38.25 36.48
65 - - - - - 43.25 41.63 39.97 38.25 36.48
66 - - - - - - 45.08 43.28 41.42 39.51
67 - - - - - - - 46.97 44.95 42.87
68 - - - - - - - - 48.80 46.55
69 - - - - - - - - - 50.25
70 - - - - - - - - - -
71 - - - - - - - - - -
72 - - - - - - - - - -
73 - - - - - - - - - -
74 - - - - - - - - - -
75 - - - - - - - - - -
76 - - - - - - - - - -
77 - - - - - - - - - -
78 - - - - - - - - - -
79 - - - - - - - - - -
80 - - - - - - - - - -
81 - - - - - - - - - -
82 - - - - - - - - - -
83 - - - - - - - - - -
84 - - - - - - - - - -
57
Attained
10 11 12 13 14 15 16 17 18 19
Age
18 0.97 0.93 0.87 0.82 0.76 0.70 0.64 0.58 0.51 0.44
19 1.02 0.96 0.91 0.85 0.79 0.73 0.66 0.60 0.53 0.47
20 1.12 1.06 0.99 0.93 0.86 0.80 0.73 0.65 0.59 0.51
21 1.23 1.16 1.09 1.02 0.95 0.87 0.80 0.72 0.64 0.55
22 1.34 1.27 1.19 1.12 1.04 0.96 0.87 0.79 0.70 0.61
23 1.42 1.35 1.27 1.19 1.10 1.02 0.93 0.84 0.74 0.64
24 1.52 1.45 1.36 1.27 1.18 1.09 0.99 0.90 0.80 0.70
25 1.61 1.53 1.43 1.35 1.25 1.16 1.05 0.95 0.84 0.73
26 1.68 1.59 1.50 1.40 1.30 1.20 1.09 0.98 0.87 0.76
27 1.80 1.70 1.60 1.50 1.39 1.28 1.17 1.06 0.94 0.82
28 1.94 1.84 1.73 1.62 1.51 1.39 1.27 1.14 1.02 0.88
29 2.11 2.00 1.87 1.75 1.63 1.50 1.37 1.24 1.09 0.95
30 2.45 2.31 2.18 2.04 1.90 1.74 1.60 1.45 1.28 1.10
31 2.61 2.47 2.33 2.18 2.03 1.86 1.70 1.53 1.36 1.19
32 2.86 2.71 2.56 2.39 2.23 2.05 1.86 1.69 1.49 1.30
33 3.15 2.99 2.81 2.62 2.44 2.25 2.05 1.85 1.64 1.42
34 3.46 3.27 3.08 2.89 2.68 2.47 2.26 2.04 1.81 1.58
35 3.82 3.62 3.40 3.19 2.96 2.72 2.49 2.25 2.00 1.73
36 4.18 3.96 3.73 3.48 3.24 2.99 2.72 2.46 2.18 1.89
37 4.66 4.40 4.15 3.88 3.60 3.33 3.03 2.72 2.42 2.11
38 5.15 4.88 4.59 4.29 3.99 3.67 3.36 3.02 2.68 2.33
39 5.71 5.41 5.10 4.76 4.43 4.07 3.72 3.36 2.97 2.58
40 6.35 6.01 5.67 5.30 4.92 4.54 4.14 3.73 3.30 2.86
41 6.95 6.57 6.19 5.79 5.38 4.95 4.53 4.07 3.61 3.14
42 7.74 7.32 6.89 6.45 5.99 5.53 5.03 4.54 4.02 3.49
43 8.53 8.07 7.61 7.11 6.60 6.09 5.55 5.00 4.43 3.84
44 9.41 8.89 8.38 7.84 7.28 6.70 6.12 5.52 4.89 4.24
45 10.36 9.79 9.22 8.63 8.01 7.37 6.74 6.07 5.37 4.67
46 11.43 10.82 10.19 9.52 8.85 8.16 7.44 6.70 5.94 5.15
47 12.32 11.65 10.97 10.27 9.54 8.79 8.02 7.22 6.40 5.56
48 12.97 12.28 11.55 10.81 10.04 9.26 8.44 7.61 6.74 5.86
49 13.72 12.97 12.21 11.42 10.62 9.78 8.91 8.03 7.12 6.18
50 14.55 13.75 12.95 12.12 11.25 10.37 9.45 8.52 7.55 6.55
51 14.57 14.62 13.75 12.87 11.96 11.02 10.05 9.05 8.02 6.96
52 15.55 14.70 14.67 13.72 12.75 11.75 10.72 9.65 8.55 7.43
53 16.64 15.73 14.81 14.69 13.64 12.57 11.46 10.33 9.16 7.94
54 17.82 16.86 15.87 14.84 14.62 13.47 12.29 11.06 9.81 8.51
55 19.12 18.09 17.02 15.93 14.80 14.46 13.18 11.87 10.53 9.13
56 20.52 19.41 18.26 17.09 15.87 14.62 14.14 12.73 11.29 9.79
57 21.85 20.67 19.45 18.20 16.91 15.58 14.21 13.57 12.02 10.43
58 23.09 21.85 20.56 19.23 17.87 16.46 15.01 13.57 12.71 11.03
59 24.40 23.08 21.72 20.32 18.88 17.38 15.86 14.28 12.71 11.64
60 26.04 24.63 23.18 21.69 20.15 18.56 16.92 15.24 13.51 11.72
58
Attained
10 11 12 13 14 15 16 17 18 19
Age
61 27.86 26.35 24.79 23.19 21.54 19.85 18.10 16.31 14.45 12.54
62 29.87 28.25 26.59 24.88 23.10 21.29 19.42 17.48 15.49 13.45
63 32.16 30.42 28.63 26.78 24.88 22.92 20.90 18.83 16.68 14.48
64 34.65 32.78 30.85 28.86 26.81 24.70 22.52 20.29 17.98 15.60
65 34.65 32.78 30.85 28.86 26.81 24.70 22.52 20.29 17.98 15.60
66 37.53 35.50 33.41 31.26 29.03 26.75 24.39 21.96 19.46 16.89
67 40.74 38.53 36.26 33.92 31.51 29.03 26.47 23.84 21.12 18.33
68 44.21 41.83 39.36 36.82 34.20 31.51 28.74 25.88 22.94 19.90
69 47.74 45.16 42.50 39.75 36.93 34.02 31.02 27.94 24.77 21.49
70 50.58 47.84 45.03 42.11 39.13 36.04 32.87 29.61 26.24 22.76
71 - 52.47 49.37 46.19 42.90 39.53 36.05 32.47 28.77 24.96
72 - - 54.15 50.65 47.05 43.34 39.53 35.60 31.55 27.38
73 - - - 55.75 51.79 47.71 43.51 39.19 34.72 30.13
74 - - - - 57.03 52.54 47.91 43.15 38.24 33.18
75 - - - - - 57.62 52.55 47.32 41.94 36.39
76 - - - - - - 57.12 51.44 45.59 39.56
77 - - - - - - - 55.71 49.37 42.84
78 - - - - - - - - 53.52 46.45
79 - - - - - - - - - 50.54
80 - - - - - - - - - -
81 - - - - - - - - - -
82 - - - - - - - - - -
83 - - - - - - - - - -
84 - - - - - - - - - -
59
Attained
20 21 22 23 24
Age
18 0.38 0.30 0.24 0.16 0.11
19 0.39 0.32 0.25 0.17 0.11
20 0.43 0.35 0.27 0.18 0.11
21 0.47 0.38 0.29 0.20 0.11
22 0.51 0.42 0.31 0.21 0.11
23 0.54 0.44 0.33 0.22 0.11
24 0.59 0.48 0.36 0.25 0.13
25 0.62 0.50 0.38 0.26 0.13
26 0.64 0.52 0.40 0.27 0.14
27 0.69 0.55 0.42 0.29 0.15
28 0.74 0.60 0.46 0.31 0.16
29 0.81 0.65 0.50 0.33 0.17
30 0.94 0.76 0.58 0.39 0.19
31 1.01 0.82 0.62 0.42 0.21
32 1.09 0.88 0.68 0.46 0.24
33 1.20 0.97 0.74 0.50 0.26
34 1.32 1.07 0.82 0.54 0.28
35 1.46 1.19 0.90 0.61 0.30
36 1.60 1.29 0.97 0.66 0.32
37 1.79 1.45 1.09 0.73 0.36
38 1.97 1.60 1.21 0.82 0.41
39 2.18 1.75 1.34 0.90 0.44
40 2.42 1.96 1.49 1.01 0.49
41 2.64 2.14 1.62 1.08 0.53
42 2.95 2.39 1.81 1.21 0.59
43 3.25 2.62 2.00 1.32 0.65
44 3.58 2.89 2.19 1.47 0.72
45 3.94 3.18 2.41 1.61 0.80
46 4.35 3.52 2.66 1.79 0.87
47 4.69 3.79 2.86 1.92 0.94
48 4.93 3.99 3.02 2.02 0.99
49 5.21 4.22 3.19 2.13 1.05
50 5.53 4.47 3.38 2.26 1.10
51 5.88 4.75 3.59 2.40 1.17
52 6.26 5.05 3.83 2.57 1.25
53 6.70 5.42 4.11 2.74 1.34
54 7.18 5.80 4.39 2.94 1.43
55 7.70 6.22 4.71 3.15 1.53
56 8.27 6.68 5.04 3.37 1.64
57 8.80 7.11 5.38 3.59 1.74
58 9.30 7.52 5.69 3.80 1.85
59 9.83 7.94 6.00 4.01 1.96
60 10.48 8.47 6.41 4.27 2.08
60
Attained
20 21 22 23 24
Age
61 10.58 9.07 6.86 4.58 2.23
62 11.33 9.17 7.34 4.91 2.39
63 12.20 9.87 7.46 5.28 2.58
64 13.15 10.63 8.03 5.36 2.78
65 13.15 10.63 8.03 5.36 2.78
66 14.24 11.51 8.71 5.80 2.82
67 15.46 12.50 9.44 6.30 3.06
68 16.78 13.57 10.26 6.84 3.33
69 18.12 14.65 11.07 7.39 3.59
70 19.20 15.51 11.73 7.83 3.80
71 21.05 17.01 12.86 8.57 4.17
72 23.08 18.66 14.10 9.41 4.57
73 25.40 20.53 15.51 10.36 5.03
74 27.98 22.61 17.09 11.40 5.54
75 30.68 24.80 18.74 12.50 6.08
76 33.35 26.95 20.37 13.59 6.59
77 36.12 29.19 22.06 14.71 7.14
78 39.15 31.65 23.92 15.95 7.75
79 42.61 34.43 26.02 17.35 8.43
80 46.59 37.66 28.45 18.98 9.21
81 - 40.74 30.78 20.53 9.97
82 - - 33.05 22.04 10.71
83 - - - 21.67 10.52
84 - - - - 11.33
61
A-Plus Infaq
Description
A-Plus Infaq is a contribution paying rider (CPR) which can be attached to A-Life Legasi Builder. In the
event the Person Covered dies or suffers from TPD before the age of 70, the Takaful Operator will donate
(on behalf of the Participant) the benefit according to percentage selected by the Participant on the name
of the Person Covered to the Charity Partners. The Participant can assign an amount to each of the
organization with minimum of 10%. Total allocation must be equal to 100%.
1. Death Benefit:
In the event the Person Covered passes away, 100% of the Rider Sum Covered will be payable.
2. TPD Benefit:
If the Person Covered suffers from TPD (both suited TPD and presumptive TPD) prior to age 70, The
rider sum covered shall be payable.
Maximum TPD Sum Covered is subjected to Sum Covered of the Basic Plan.
Underwriting
1. Entry Age:
Minimum entry age: 14 days

Maximum entry age: 70 years old
2. Coverage Term:
Follow the Coverage Term of Basic plan.
3. Contribution Payment Term:
4. Sum Covered:
Minimum sum covered: RM 100,000, in multiples of RM 10,000

Maximum sum covered: Up to Basic Sum Covered (subject to TPD limit per life)
62
A-Plus Infaq

Non Non Non Non
0 0.57 0.57 0.37 0.37 46 2.63 1.66 1.78 1.28
1 0.38 0.38 0.25 0.25 47 2.89 1.82 1.95 1.40
2 0.38 0.38 0.25 0.25 48 3.18 2.00 2.14 1.54
3 0.30 0.30 0.25 0.25 49 3.51 2.21 2.36 1.70
4 0.27 0.27 0.25 0.25 50 3.88 2.44 2.60 1.87
5 0.18 0.18 0.25 0.25 51 4.28 2.69 2.86 2.06
6 0.18 0.18 0.37 0.37 52 4.72 2.97 3.16 2.27
7 0.18 0.18 0.31 0.31 53 5.20 3.28 3.48 2.51
8 0.18 0.18 0.25 0.25 54 5.73 3.61 3.84 2.76
9 0.18 0.18 0.19 0.19 55 6.31 3.97 4.27 3.05
10 0.18 0.18 0.15 0.15 56 6.93 4.36 4.73 3.37
11 0.18 0.18 0.15 0.15 57 7.60 4.78 5.29 3.77
12 0.22 0.22 0.15 0.15 58 8.32 5.24 5.90 4.20
13 0.25 0.25 0.15 0.15 59 9.10 5.73 6.51 4.64
14 0.27 0.27 0.15 0.15 60 10.11 6.36 7.37 5.25
15 0.31 0.30 0.15 0.15 61 11.42 7.19 8.30 5.91
16 0.33 0.32 0.16 0.16 62 12.88 8.11 9.31 6.64
17 0.35 0.34 0.16 0.16 63 14.50 9.13 10.42 7.45
18 0.96 0.60 0.36 0.26 64 16.29 10.26 11.63 8.38
19 1.14 0.72 0.36 0.26 65 18.27 11.50 13.05 9.40
20 1.33 0.84 0.41 0.29 66 20.45 12.87 14.62 10.53
21 1.36 0.86 0.44 0.31 67 22.85 14.39 16.36 11.78
22 1.31 0.82 0.46 0.33 68 25.50 16.05 18.26 13.15
23 1.29 0.81 0.48 0.35 69 28.40 17.88 20.36 14.66
24 1.28 0.81 0.50 0.36 70 23.89 15.04 17.76 12.79
25 1.26 0.79 0.52 0.37 71 26.53 16.70 20.43 14.71
26 1.28 0.81 0.53 0.38 72 29.41 18.52 23.44 16.87
27 1.30 0.82 0.54 0.39 73 32.57 20.51 26.82 19.31
28 1.31 0.82 0.55 0.40 74 36.02 22.68 30.62 22.05
29 1.32 0.83 0.56 0.40 75 39.77 25.04 34.88 25.11
30 1.32 0.83 0.57 0.41 76 43.87 27.62 38.49 27.72
31 1.33 0.84 0.59 0.42 77 48.32 30.42 42.43 30.55
32 1.33 0.84 0.61 0.44 78 53.15 33.47 46.70 33.62
33 1.37 0.87 0.64 0.46 79 58.40 36.77 51.34 36.97
34 1.42 0.90 0.67 0.48
35 1.48 0.93 0.72 0.52
36 1.54 0.97 0.78 0.56
37 1.54 0.97 0.84 0.60
38 1.56 0.98 0.90 0.65
39 1.61 1.02 0.97 0.70
40 1.69 1.06 1.05 0.76
41 1.78 1.12 1.15 0.82
42 1.90 1.20 1.25 0.90
43 2.04 1.29 1.36 0.98
44 2.21 1.39 1.48 1.07
45 2.41 1.52 1.62 1.17
63
Male Female
Attained Male Female
Non Non
Age Smoker Smoker
Smoker Smoker
92 244.67 154.05 167.84 110.42
93 267.40 168.36 178.09 119.12
94 287.04 180.73 188.56 128.46
95 309.58 194.92 199.17 138.42
96 351.07 221.05 209.84 149.03
97 376.50 237.06 222.68 160.33
98 403.47 254.04 239.39 172.36
99 432.07 272.05 257.16 185.15
64

E-RateBook - A-Life Legasi Builder - Final

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E-RateBook - A-Life Legasi Builder - Final

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A-Life Legasi Builder

In addition, multiple optional riders are available to enhance your protection.

Features and Benefits

Contribution % of Annual Basic Contribution

Coverage % of Account Value in PAF

• Graduating from tertiary education

5 years 50% 60% 75% 80% 80% - - - - - - -

Allocation Rate: 95%

1. Change of Basic Sum Covered

Increase Basic Sum Covered:

Decrease Basic Sum Covered:

2. Addition or Deletion of Rider

Can be done at any time, subject to a minimum amount of RM 5,000.

a. Fund Switching is allowed at any time without any switching fee.

6. Continuous Charges Deduction:

Fees and Charges

2. Fund Management Charge (FMC):

There are 4 funds available and the FMC is as follows:

1. Entry Age, Coverage Term and Contribution Payment Term

Contribution Payment Term

Minimum Sum Covered : RM 350,000, in multiple of RM 10,000

Full underwriting will be adopted. Non-medical limit is up to RM4 million.

a. A-Plus Critical Shield-i

Male Female Male Female

Male Female Male Female

Features and Benefits

3. List of critical illnesses covered under A-Plus Critical Shield-i:

26) Parkinson's Disease - resulting in Permanent

Minimum Entry Age : 14 days

Follow Basic Plan

3. Contribution Payment Term

Follow the Contribution Payment Term of Basic plan.

Follow the Sum Covered of the Basic Plan:

Male Female Male Female

Features and Benefits

3. List of critical illnesses covered under A-Plus Beyond Critical Shield-i:

1) Cancer – of specified severity and does 39) Progressive Scleroderma

Minimum Entry Age : 16 years old

Follow Basic Plan

3. Contribution Payment Term

Follow the Contribution Payment Term of Basic plan.

Minimum Sum Covered : RM 200,000

Male Female Male Female

Features and Benefits

2. List of critical illnesses covered under A-Plus Waiver-i:

1) Stroke - resulting in Permanent 25) Parkinson's Disease - resulting in Permanent

Minimum Entry Age : 18 years old

Follow the Contribution Payment Term.

3. Contribution Payment Term

Follow the Contribution Payment Term of Basic plan.

Coverage Term up to age 70 (for all smoker status and sex) 18

Coverage Term up to age 80 (for all smoker status and sex) 19

Contribution Payment Term: 20

Contribution Payment Term: 10

Contribution Payment Term: 5

Full Contribution Payment Term

Coverage up to 70 years old with full contribution payment term

Male Smoker with Contribution Payment Term of 20 Years

Male Smoker with Contribution Payment Term of 10 Years

Male Smoker with Contribution Payment Term of 5 Years

Features and Benefits

3. Critical Illness Benefit:

1) Stroke - resulting in Permanent Neurological 25) Parkinson's Disease - resulting in Permanent