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Sun Enrich-i
For Internal use only/ SLM Academy Proprietary. It is strictly forbidden to share any part
of this training content with any third party, without a written consent of SLM Academy
Disclaimer
This presentation is purely a training tool for purposes of the Sun Life Malaysia Assurance
Berhad/Sun Life Malaysia Takaful Berhad (the "Company") internal sales/marketing
training program. This presentation is not to be used directly/indirectly for soliciting
insurance/takaful business, policy owner/contract holder services and/or facilitating any
other form of communications with external parties whatsoever. Whilst the Company has
taken all reasonable care to ensure that the information contained in this presentation is
not untrue or misleading at the time of publication, we cannot guarantee its accuracy or
completeness. You should not act on it without first independently verifying its contents.
Any opinion or estimate contained in this presentation is subject to change without
notice. Any comparison contained herein pertains to specific products in the market and
is based on information gathered from sales materials of the said product. Comparisons
are made based on certain assumptions as stated in this presentation. As such, the
analysis is not to be generalised or applied to all situations. This presentation is only for
internal circulation and not to be construed as a sales material to be shared with any
external party.
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S U N L I F E S U N E N R I C H - i of this training content with any third party, without a written consent of SLM Academy
Content
Marketing Proposition
Product Benefits
Product Technical Features & Underwriting
Exclusions
Frequently Asked Questions (FAQs)
Claim Procedure
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Sun Enrich-i
Marketing Proposition
4
Life Insurance/Takaful Penetration Rate (Malaysia) 2019
Malaysians
Out of the insured of 46% WITHOUT
Life insurance
54%, ONLY 35% have
multiple Life insurance /Takaful
policies/Takaful 54%
contracts.
Source: https://www.nst.com.my/news/nation/2019/06/498576/liam-ceo-insurance-education-top-priority
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“It said Malaysian takaful
continued to gain ground in
the insurance market during
the 2020 pandemic, in which it
accounted for 38% of the
domestic LI market in the first
half of 2020 (1H20), compared
to 34% in 2019.”
“Bancassurance, it added,
remains distribution channels
of takaful products.”
Source: https://themalaysianreserve.com/2021/03/11/takaful-industry-to-see-steady-growth-in-2021/
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Our Financial Goals and Dreams in Life
How can I maintain How do I protect

my lifestyle my wealth?
post-retirement?
How much wealth

should I leave for
my loved ones or
give to charity?
Do I have enough
to fund my
children’s How can I grow
education? my wealth?
7
We have different assets to achieve for our lifetime financial
security.
Our Financial plan;
Should preserve wealth/fund;
Should not be part of estate/debt settlement;
Should include direct distribution of wealth to
your loved ones;
Should have potential returns; and
Should be flexible to meet financial needs.
Does your current plan have these?

8
Secure Your Financial Plan
Wealth Preservation
Provides death or total and permanent disability (TPD)
coverage throughout the coverage term.
Increasing Regular Cash Payout

Cash payout will be payable every two contract years starting
from the end of the 2nd contract year until maturity.
• Provided that the contract is in force and all contributions are paid within the grace period of each
contribution due date.
• Cash payout will be reinvested into the investment-linked funds with 100% allocation.
Low Risk & Stable

Offer low risk and stable return, managed by professional
investment teams.
Hibah as Cash Distribution Tool

A Plan that can directly provide hibah to your loved ones.
Be Financially Ready for a Better Tomorrow.

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Sun Enrich-i
Marketing Propositions
1. Hibah Takaful No.1 Cash Distribution tool
2. Deferred Cash Fund
3. Multi-Lenses Fund
10
1. Hibah as No. 1 Cash Distribution Tool
4D concerns
Delay Debt
Distribution Dispute
Quick settlement through

Takaful Hibah nomination.
Direct distribution to loved ones in the

event of untimely demise.
11
1. Hibah as No. 1 Cash Distribution Tool (continued)
Your loved ones will receive the

Conditional Hibah (1) benefits of your Takaful certificate
without needing to go through lengthy
inheritance procedures.
Payable within 2 Weeks

Subject to submission of complete documentations.
Target group:
• Age 30 to 70 years old. Pay to intended
• With young child, still person
dependent on parent.
• Breadwinner of the family. Creditor Proof(2)
The takaful proceeds is
Note: protected from creditors.
(1) Statutory Protection- Islamic Financial Services Act 2013, Schedule 10 (section 142)
(2) Creditor Proof- Islamic Financial Services Act 2013, Schedule 10 (effect of nomination)
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2. Deferred Cash Fund Plan
Plan that offers meaningful purpose.
Education
Fund
Coverage for Death/Total and Permanent Disability (TPD) & Accidental Death/TPD for Person Covered (child)
(20 years contribution term with 30 years coverage term)
Year
20 30
Cash Payout Benefit reinvested into investment-linked funds with 100% allocation
Deferred Cash Fund – Available at the end of the contract term (example year 30).
Contract holder receives final benefit which can be used as gift for business, children or
grandchildren's education, etc. Final Benefit
Education Fund – Contract holder can select which year to withdraw the accumulated cash
payout from the unit fund account (example at year 20) which can be used for tuition fees or
other education expenses for children.
Coverage – Death /TPD and accidental Death /TPD on the person covered.
Target Group – Age 30 – 70 years old,
– Suitable for parents looking for children’s education plan.
– Suitable as a gift for new parents and babies.
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3. Multi-Lenses fund
Smart way to achieve your financial goal and coverage, all in one plan.
Retirement Fund
Increasing regular cash payout,

Choices of short term contribution plan.
Debt settlement Plan that can be used to pay off the debts in the event of
untimely death/ total and permanent disability (TPD).
Allocate for Charity Gifts to charity organisations of your choice,

giving back to society.
Target groups:
• Age 30 to 70 years old.
• Breadwinner of the family.
• Suitable for clients looking for retirement fund.
• Suitable for clients near to retirement age.
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Sun Enrich-i
Product Benefits
15
Product Benefits
3 Choices of Short Term
Contribution Plan.
Hassle-free enrollment
with no underwriting.1
Increasing Cash Payout(CP)
up to 400%!!2
Additional 100% Coverage
for Accidental Death/ Total
and Permanent Disability. Potential upside with CP
reinvestment in takaful
Takaful Protection for investment-linked funds.3
Death/ Total and
Permanent Disability.
Final Benefit.
Takaful Hibah nomination. Diversification.

Note:
1. Up to RM300,000 of the annualised takaful contribution.
2. CP is based on the percentage of the takaful annualised contribution for 20 Pay 30 Term.
3. CP reinvested into investment-linked funds with 100% allocation.
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1. Choices of Short Term Contribution Plan
Options of contribution payment term and coverage term.
15 Pay 25 Term
15 years contribution term with
25 years coverage term
10 Pay 20 Term 20 Pay 30 Term

10 years contribution term 20 years contribution term
with 20 years coverage term with 30 years coverage term
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2. Increasing Cash Payout(CP)
INCREASING CASH PAYOUT
UP TO 400%!!
End of the CP (percentage of the takaful annualised contribution)
contract year 10 Pay 20 Term 15 Pay 25 Term 20 Pay 30 Term
2,4 10% 10% 10%
6,8 15% 15% 15%
10,12 20% 20% 20%
14,16 25% 25% 25%
18,20 30% 30% 30%
22,24 35% 35%
26,28 40%
30 50%
Total CP 200% 270% 400%
• CP based on the percentage of the takaful annualised contribution (excluding top-up contributions) from
the universal account.
• Paid starting from the end of every 2 contract years till maturity, provided all contributions due are paid
within the grace period of each contribution due date.
• If any of the contributions are not paid within the grace period of each contribution due date, the clause of
"Contribution Break" in slide 32 would apply.
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2. Increasing Cash Payout(CP) continued
100%
Every 2 years allocation
% (CP) CP reinvested into
X investment-linked fund
Annualised
contribution
10 Pay 15 Pay 20 Pay

Term
20 Term 25 Term 30 Term
Total Cash Sun Life Malaysia Islamic Bond Fund;
200% 270% 400% Sun Life Malaysia Islamic Equity Fund;
Payout
Sun Life Malaysia AIIMAN Select Income Fund;
Contract holder can perform partial withdrawal or fund switching at any
time while the contract is in force and it is not subject to any charges.
Sun Life Malaysia Islamic Asia Pacific Equity Fund;
Sun Life Malaysia Islamic World Equity Fund; and
Sun Life Malaysia Islamic Global Balanced Fund.
Note:
The value in the unit fund account may be less than the total cash payout reinvested into the investment-linked fund(s).
In addition, the value of the unit fund account for reinvesting the cash payout depends on the performance of the investment-linked funds selected.
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3. Final Benefit
or percentage (according to
Universal the table below) of the
account value; takaful annualised
contribution paid*;
Together with the reinvested cash payout in the unit fund account (if any), less any indebtedness. Whichever is higher
2000%*
1415%*
855%*
10 Pay 20 Term 15 Pay 25 Term 20 Pay 30 Term

* The percentage of the takaful annualised contribution paid will be applicable, provided all the contributions due are paid within the grace period of each
contribution due date.
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4. Takaful Protection
Death/ Total and Permanent Disability (TPD) due to all causes
Cause of death/TPD
Date of event
Natural causes Accidental causes
Higher of:
100% of the total takaful contribution paid A. Higher of:
i)
Within 24 months (including top-up contributions) less the total i) 100% of the total takaful contribution
from the contract cash payout paid; paid (including top-up contributions)
commencement less the total cash payout paid;
OR
date OR
ii) 100% of the value of the universal account, ii) 105% of the value of the universal
immediately following the date of event, account, immediately following the
Higher of: date of event,
i) 100% of the total takaful contribution paid Plus
After 24 months (including top-up contributions) less the total B. additional 100% of the total takaful
from the contract cash payout paid; contributions paid (excluding top-up
commencement OR contributions),
date
ii) 105% of the value of the universal account,
immediately following the date of event,
together with the reinvested cash payout in the unit fund account (if any) as at the valuation date immediately following
the date of event.
TPD coverage shall cease on the contract monthly anniversary immediately following the person covered’s 70th birthday.
The maximum aggregate amount of the TPD benefits payable (excluding the value of the universal account) with respect to the TPD
of the person covered under this and all other individual and group contracts or certificates with the Operator shall not exceed
RM8,000,000. The aggregate limit of RM 8,000,000 is subject to per person covered.
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5. Accidental Death/Total and Permanent Disability (TPD)
Benefit
Additional 100%
of the total takaful contributions paid (excluding top-up contribution)
Note:
This additional benefit shall cease on the contract anniversary immediately following the person covered’s 70th
birthday.
The maximum aggregate amount of the additional accidental death/TPD benefit payable under this and all other
individual and group contracts or certificates issued by the Operator shall not exceed RM4,000,000 per person
covered.
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6. Hassle-free enrolment
“No medical underwriting and check-up”
Up to RM 300,000 of annualised takaful contribution
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Case Study: Sample Illustration
Mr. Addy, 40 years old, interested to allocate RM20,000 annually into Sun Enrich-i (20 pay 30 term) for his
retirement plan.
40% 50%
Cash Payout (CP) ( Reinvest into Investment- 30% 35%
link funds & payable at the end of every 2 25%
contract year) 20%
10% 15% Total Cash Payout
RM10,000
RM2,000
RM7,000
RM5,000
RM6,000
RM2,000
(reinvest into 100% of Sun
RM8,000
RM5,000
RM3,000
RM6,000
RM8,000
RM7,000
RM4,000
RM3,000
RM4,000
Life Malaysia Islamic Bond

End of contract
year/ Age fund): RM80,000
2 4 6 8 10 12 14 16 18 20 22 24 26 28 30
40 Annual Contribution Paid: 60 CP continue to pay every 2 contract 70
RM20,000p.a X 20 years = RM400,000 years throughout the contract term.
Upon death/TPD at aged 60 Final Benefit at age 70

Universal account1 Universal account1
Total contribution paid: 2000% of AC:
RM 577,395 (high scenario)/ RM 732,047(high scenario)/
OR RM 400,000 OR
RM 428,384 (low scenario) RM 469,058(low scenario) RM 400,000
whichever is higher whichever is higher
Unit fund account1 (Reinvested CP) Unit fund account1 (Reinvested CP)
RM 52,030 (high scenario)/ RM 42,414 (low scenario) RM 119,486 (high scenario)/RM 87,282 (low scenario)
Total Payout: Total Payout:

RM 629,425 (high scenario)/ RM 470,798 (low scenario) RM 851,533 (high scenario)/ RM 556,340 (low scenario)
The projected values are for illustrative purposes only. They are neither guaranteed nor based on past performance. In this example, for high scenario, the contract is assumed to earn a net investment return of 5.4%
per annum (p.a.) for the universal account value and 3.6% p.a. for the unit fund account. For the low scenario, it earns a net investment return of 2.6%p.a. for the universal account value and 0.8%p.a. for the unit fund
account.
This diagram is for illustrative purpose only. For accurate calculation please refer to SI. 24
Sun Enrich-i
Product Technical Features &
Underwriting
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Takaful diagram concept
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Product Technical Features
Product type Surplus sharing universal takaful plan.
Contribution payment term and Contribution payment term Contract term

contract term (year) (years)
10 20
15 25
20 30
Frequency of payment • Monthly, quarterly, half-yearly and yearly.

• Changes on contribution frequency are allowed during the
contract term.
• The contribution rate is level throughout the contribution
paying term.
Modal factor to yearly
Contribution payment mode Modal factor to yearly contribution
contribution
Monthly 1/12
Quarterly 1/4
Half-yearly 1/2
Yearly 1
For monthly payment mode, an initial payment of 2 months’
contribution is required upfront while for other regular
payment modes, only the first installment is required.
27
Product Technical Features (continued)
Partial withdrawal • The value in unit fund account can be withdrawn at any time and
is not subjected to any charges.
• The contract holder shall specify the withdrawal amount (in RM)
and the proportion of the withdrawal amount (in RM) to be
withdrawn from the funds.
• The minimum withdrawal amount is RM200 per transaction and
the minimum holding amount after withdrawal is RM200 per
contract.
• Partial withdrawals are not allowed for the universal account.
However, the contract holder may opt for partial withdrawal on
the unit fund account, which is used to reinvest the cash payout.
Fund switching • The contract holder can opt to switch any time as long as the
basic contract is in force.
• The minimum switch amount is the lower of RM1,000 or the Net
Asset Value (NAV) of the fund. No minimum holding amount
required in each fund after switching.
28
Surrender/ • The contract holder may opt to surrender the contract by making a
full withdrawal notification request for full withdrawal of the contract.
• The value of the universal account less deferred wakalah fee plus any
reinvested cash payout in the unit account will be payable.
• The Operator reserves the right to defer payment of surrender value by up to
6 months (to manage liquidity risk).
Contract • Increasing takaful contributions is not allowed.

alteration • Decreasing takaful contributions after the contract is in force is allowed,
subject to the minimum takaful contribution requirement.
• The decrease of takaful contributions shall only take effect on the next
contract anniversary.
• All future cash payout payable will be calculated based on the reduced
takaful contribution amount.
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Backdating of
Not allowed.
commencement date
Free-Look period Within 15 days of from the delivery date of the contract, the contract
holder may write to the Operator to cancel the contract. The Operator
will refund the contribution paid, less expenses which may have been
incurred for the medical examination of the person covered.
Grace period & lapsation 30 days starting from the contribution payment due date. If the
contribution is not paid within the grace period, the basic contract will
automatically goes to contribution break for as long as the value of the
universal account is sufficient to cover the monthly Tabarru’ and other
contract fees. Upon insufficient units for Tabarru’ and other contract
fees, the contract shall lapse. Any reinvested cash payout in the unit
fund account will be payable to contract holder.
If all contributions due are always paid within the grace period, the
contract shall not lapse. Tabarru’ will not be charged if the value of the
universal account is zero.
Taxation Takaful contribution paid under this Takaful product is eligible for
deduction as income tax relief under Family Takaful and EPF category,
subject to the regulations of the Inland Revenue Board of Malaysia.
30
Reinstatement • When the basic contract lapses, the basic contract can be reinstated within
12 months from the date the contract lapsed subject to:
i. Completion and submission of the duly signed reinstatement form;

ii. The person covered and/or the contract holder truthfully declare all facts
in the reinstatement form;
iii. The person covered and/or the contract holder produce all the
information the Operator has asked for (if any);
iv. The person covered and/or the contract holder pay all the overdue
contributions as determined by the Operator; and
v. Any other terms and conditions which the Operator may apply after its
underwriting assessment and the said terms and conditions are agreed by
the client at the time of the application.
• No takaful coverage will be provided to the contract for the period between
the date the contract lapsed and the date the contract is reinstated.
• Contribution allocation and commissions will continue from the last
contribution paid.
• Tabarru’ will not be deducted for the duration between the lapsed date to
the reinstatement date.
• No reinstatement of contract is allowed if the contract is cancelled or
surrendered upon the contract holder’s request.
31
Contribution break
• Contribution break is allowed any time after the contract is set in force. On
contribution break, the basic contract will remain in force for as long as there is
sufficient fund in the universal account to pay for Tabarru’ and other contract fees.
Tabarru’ and other contract fees will continue to be deducted during the
contribution break period.
• If the contributions are not paid on each contribution due date and the value of the
universal account is insufficient to pay for the tabarru' for this contract to maintain
the takaful coverage and benefits applicable, and/or if the value of the universal
account after deduction of the tabarru’ is insufficient to cover the amount of cash
payout, the remaining value of the universal account will be payable as cash payout,
to be allocated and reinvested into the investment-linked funds. This contract shall
lapse and the person covered will not have any takaful cover, benefit or value, and
any reinvested cash payout in the unit fund account will be payable to you.
32
Contribution break
• During the contribution break period:

i. Commissions are not paid until the contribution due is paid to the Operator.
ii. Any single top-up contribution is not allowed.
iii. The contribution break can only use the fund in the universal account to pay for
Tabarru’ and other contract fees.
• When the contract holder resumes to pay for its regular contribution:
i. The contract holder may opt to resume regular contribution payments by paying
modal contribution. Unless all contributions in arrears are settled, the conditions
during contribution break shall remain.
ii. The commission scale will continue from where it has stopped prior to the
contribution break.
33
Contract Termination
The coverage of the person covered will be terminated with immediate effect on the first
occurrence of any one of the following events:
i. Upon death of the person covered;
ii. Upon payment of claims under this benefit if the TPD benefit is equal to the death benefit;
iii. Upon the contract monthly anniversary immediately following the date where the value of the
universal account is insufficient for the relevant deduction to be made from it provided the
value of the universal account remains insufficient up to such contract monthly anniversary;
iv. Upon surrender/cancellation of the contract;
v. Upon lapsation of the contract; or
vi. After the final benefit payment.
34
Eligibility Requirements
Entry age limit:
Entry age Person covered Contract holder

Minimum 30 days old 18 years old
Based on the plan chosen:
10 Pay 20 Term: 70 years old
Maximum No limit
Issuance basis
i. Single person covered only.

ii. Third party application is allowed.
iii. Corporate application as a payor is allowed. The contribution amount is subject to service tax if
the payor is a corporation/company.
iv. Foreigners (who are not permanent residents) may participate subject to Sun Life Malaysia’s
Foreigner Guidelines, Foreign Account Tax Compliance Act (FATCA) and Common Reporting
standard(CRS).
v. Multiple contracts are allowed subject to annualised takaful contribution of RM300,000 per life.
35
Underwriting Guidelines
Financial underwriting & Medical Not applicable however subject to Enhance Customer Due
underwriting Diligence.
Underwriting considerations Accept or reject basis
Contribution
Minimum RM10,000 p.a.
Maximum RM300,000 p.a.
Single top-up contribution
Minimum RM500 per transaction (in multiples of RM10)
Maximum 500% of the annualised contribution, up to the total top-
up amount of RM2 million per life.
The Operator reserves the right to restrict any top up payments at its sole discretion.
Note:
• The effective date of the top-up contribution shall coincide with the next monthly anniversary.
• Single top-up is only allowable during the contribution paying term while the contract is in force,
provided a top-up request form is submitted.
36
Fees and charges
Wakalah fee The wakalah fee is the portion of contribution that is not apportioned
to the unit funds and is used to pay commissions and other
administrative expenses on the contract.
For takaful contributions:
Plan options
Contribution
(% of takaful contribution)
Year
1 45.00% 52.50% 60.00%
2 30.00% 35.00% 40.00%
3 25.00% 30.00% 35.00%
4 20.00% 22.50% 25.00%
5 10.00% 12.50% 15.00%
6 2.50% 7.50% 10.00%
7 2.50% 5.00% 5.00%
8 to 9 0.00% 5.00% 5.00%
10 and onwards - - -
Total 135.00% 175.00% 200.00%
For top-up contributions (single top-ups):

5% of the top-up contributions
These rates may be revised by giving the contract holder at least 90
days' written notice. Any revisions shall be effected at the next
individual contract anniversary after the end of the notice period.
37
Fees and charges (continued)
Tabarru’ The tabarru’ for the basic benefits shall be due on the contract
commencement date and on every monthly anniversary thereafter.
Tabarru’ rates are not guaranteed and may vary from time to time.
These rates may be revised by giving the contract holder at least 90
days’ written notice prior to the next contract anniversary. Any
revisions shall be effected at the individual contract anniversary.
Partial withdrawal fee Not applicable.
Deferred wakalah fee

Plan options
Contract Year (% of universal account)
1 30.00% 30.00% 30.00%
2 25.00% 25.00% 25.00%
3 20.00% 20.00% 20.00%
4 15.00% 15.00% 15.00%
5 10.00% 10.00% 10.00%
6 to 9 5.00% 5.00% 5.00%
10 and onwards - - -
Total 120.00% 120.00% 120.00%
38
Fees and charges (continued)
Fund management fee (FMF)
Fund management fees
Fund
(% per annum on NAV#)
Sun Life Malaysia Islamic Bond Fund 1.00%*
Sun Life Malaysia Islamic Equity Fund 1.50%*
Sun Life Malaysia AIIMAN Select Income Fund 1.20%*
Sun Life Malaysia Islamic Asia Pacific Equity Fund 1.80%*
Sun Life Malaysia Islamic World Equity Fund 1.75%*
Sun Life Malaysia Islamic Global Balanced Fund 1.80%*
*The Operator does not impose any FMF fee on the funds. The FMF is applied on the target fund by the
fund manager.
# NAV means Net Asset Value.
• The FMF is not guaranteed and may be subject to change.
• The FMF is not subject to SST.
All the above fees are not guaranteed and may be varied from time to time provided that at least 90 days'
notice in writing is given to you. Revisions shall take effect at the next contract anniversary after the notice
period, but any revision of the fund management fee may take effect at any time after the end of such
period.
39
Sun Enrich-i
Exclusions
40
Exclusions
Death benefit
The death benefit will not be payable if the death of the person covered is due to:
I. Pre-existing condition within 12 months from the contract commencement date or last
reinstatement date, whichever is later; or
II. Suicide (while sane or insane) within 12 months from the contract commencement date or last
reinstatement date, whichever is later.
In this case, the contract will be terminated and the value of the universal account (if any) and the
unit fund account (if any) as at the date of death, will be payable.
41
Exclusions (continued)
For accidental death, no additional accidental benefit shall be paid if it is caused directly or indirectly,
wholly or partly, by any one of the following occurrences:
i. Acquired Immuno-deficiency Syndrome (AIDS), AIDS-related complications, or infection by Human

Immunodeficiency Virus (HIV) in the person covered;
ii. Active duty in any navy, army, air force, military, fire service, civil defense, police or law
enforcement organisation;
iii. Self-inflicted injuries or suicide, while sane or insane;
iv. Being under the influence of drugs or any narcotic or due to intoxicating by liquor and/or illicit
substance;
v. Bodily infirmity, or mental or functional disorder, or illness or disease of any kind, or any infection
other than an infection occurring simultaneously with and in consequence of a cut or wound of an
accidental injury;
vi. Childbirth, pregnancy and related complications thereof;
42
vii. Criminal act, involvement in a breach of law (unless as an innocent party) or membership of an
illegal organisation;
viii. Entering, operating or servicing, ascending or descending from or with any aerial device or
conveyance except while the person covered is in an aircraft operated by a commercial
passenger airline on a regular schedule passenger trip over its established passenger route;
ix. Participation in any hazardous sport or pastime or activities, including but not limited to aerial
activity, bungee jumping, rock climbing or mountaineering, underwater activities, racing of any
type other than on foot;
x. Pre-existing physical or mental defect or infirmity;
xi. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be
declared or not), strike, riot, civil war, rebellion, revolution, insurrection, civil commotion
assuming the proportions of or amounting to an uprising, military or usurped power;
xii. While engaging in professional sport activities of any kind; or
xiii. Willful or negligent exposure to unnecessary risks or perils.
43
Total and Permanent Disability (TPD) benefit
No benefit shall be payable if the total and permanent disability of the person covered resulted from
the following:
i. A pre-existing condition within the first 12 months of the contract commencement date or last
reinstatement date, whichever is later;
ii. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be
declared or not), strike, riot, civil war, rebellion, revolution, insurrection, civil commotion
assuming the proportions of or amounting to an uprising, military or usurped power;
iii. Being under the influence of drugs, any narcotics or due to intoxication by liquor and/or illicit
substance;
iv. Self-inflicted injuries or suicide, while sane or insane;
44
v. Entering, operating or servicing, ascending or descending from or with any aerial device or
conveyance except while the person covered is in an aircraft operated by a commercial passenger
airline on a regular schedule passenger trip over its established passenger route;
vi. Criminal act, involvement in a breach of law (unless as an innocent party) or membership of an
illegal organisation;
vii. Acquired Immuno-deficiency Syndrome (AIDS), AIDS-related complications, or infection by
Human Immunodeficiency Virus (HIV) in the person covered;
viii. Active duty in any navy, army, air force, military, fire service, civil defense, police or law
enforcement organisation; or
ix. Participation in any hazardous sport or pastime or activities, including but not limited to aerial
activities, bungee jumping, rock climbing or mountaineering, underwater activities, or racing of
any type other than on foot.
45
In addition to the TPD benefit exclusions as stated in Slide 44 to 45, no additional benefit will be paid
if the accidental TPD is caused directly or indirectly, wholly or partly, by any one of the following
occurrences:
i. Active duty in any navy, army, air force, military, fire service, civil defence, police or law
enforcement organization;
ii. Bodily infirmity, or mental or functional disorder, or illness or disease of any kind, or any
infection other than an infection occurring simultaneously with and in consequence of a cut or
wound of an accidental injury;
iii. Childbirth, pregnancy and related complications thereof;
iv. Pre-existing physical or mental defect or infirmity;
v. While engaging in professional sport activities of any kind; or
vi. Wilful or negligent exposure to unnecessary risks or perils
46
Pre-existing condition means any injury, illness, condition or symptom that existed during the 12
months prior to the contract commencement date or last reinstatement date, whichever is later, for
which:
i. treatment, medication, advice or diagnosis has been sought or received;

ii. an ordinary and prudent person with such injury, illness, condition or symptom would have
sought advice or treatment in connection with his/her health; or
iii. The contract holder and/or the person covered knew existed, whether or not treatment,
medication, advice or diagnosis was sought or received.
47
Sun Enrich-i
Frequently Asked Questions
(FAQs)
48
Frequently Asked Questions (FAQs)
1 What is this product about?
This is a limited pay universal takaful plan that offers a combination of takaful protection
with savings element for the person covered. This plan provides the coverage on death
or total and permanent disability (TPD), accidental death/TPD benefit, cash payout and
final benefit at the end of the contract term.
2 How will I receive the Cash Payout (CP)?
Cash Payout will be reinvested to the investment-linked funds with 100% allocation.
Cash payout is payable every two contract years starting from the end of the second
contract year until maturity, provided that the contract is in force and all contributions
are paid within the grace period of each contribution due date.
3 Any condition to do partial withdrawal?
The value in the unit fund account can be withdrawn at any time and is not subjected to
any charges. The contract holder shall specify the withdrawal amount (in RM) and the
proportion of the withdrawal amount (in RM) to be withdrawn from the funds.
The minimum withdrawal amount is RM200 per transaction and the minimum holding
amount after withdrawal is RM200 per contract.
49
Frequently Asked Questions (continued)
4 Any charges for partial withdrawal?
No charges.
5 What is the arrangement if the client is interested to contribute RM500,000 p.a.?
Client can only enroll with the maximum annual contribution up to RM300,000.
6 Any limit for financial underwriting?
No financing underwriting, subject to Enhance Customer Due Diligence.
7 Will the CP resume when the contribution has been paid up to date?
Yes.
8 What will happen when there is a contribution break?
If there is a contribution break, the contract will remain in force for as long as there is
sufficient fund in the universal account to pay for the Tabarru’ and other contract fees.
Tabarru’ and other contract fees will continue to be deducted during the contribution
break period. If the value of the universal account after deduction of the tabarru’ and
other contract fees is insufficient to cover the amount of cash payout, the remaining value
of the universal account will be payable as cash payout, to be allocated and reinvested
into the investment-linked funds. The contract shall lapse at the next monthly anniversary
and any reinvested cash payout in the unit fund account will be refunded to the contract
holder.
50
Sun Enrich-i
Claims Procedure
51
Claims Procedure
Standard claims procedure with the required documents as follows:
i. Death
The claimant shall notify on the death of the person covered immediately and furnish the Operator
with all the relevant information at no expense to the Operator, within a period of 30 days from the
date of death.
ii. Total and permanent disability (TPD)

Advance written notice of the person covered’s intention to claim for his/her injury or sickness must
be given to the Operator within 30 days after the date of occurrence of such disability.
Failure to give the required notice within such time shall not invalidate any claim if it shall be shown
not to have been reasonably possible to give such notice and that notice was given as soon as
reasonably possible.
52
Claims documents
Claim Type Documents requirement
Death Claims Claimant’s statement
a) Duly completed death claim form;
b) Certified true copy of the death certificate;
c) Certified true copy of the burial permit;
d) Medical attendance report ;
e) Certified true copy of the deceased’s NRIC/ birth certificate;
f) Original contract document/Takaful certificate (If the original contract
document/takaful certificate is lost, statutory declaration for lost
contract/certificate is required);
g) Certified true copy of the claimant’s NRIC;
h) Discharge form; and
i) Any other documents, if required by the Operator.
53
Claims documents (continued)
Death Claims Death due to accident / suicide / murder :

b) Certified true copy of the police report;
c) Certified true copy of the post mortem report / autopsy report;
d) Newspaper cutting; and
e) Any other documents, if required by the Operator.
Death occurred overseas:
b) Import/export permit certificate;
c) Copy of death certificate in foreign language (must be translated in
English and authenticated by Malaysian Embassy in that particular
country or the respective embassy in Malaysia); and
d) Any other documents, if required by the Operator.
54
Claims documents (continued)
TPD claims a) TPD claim form;
b) Medical attendance report on the TPD Claim after 6 months from the
disability date;
c) Certified true copy of the SOCSO’s report;
d) Letter from the employer ;
e) Original contract document/Takaful certificate (If the original contract
document/takaful certificate is lost, to submit statutory declaration for
lost contract/certificate);
f) Certified true copy of the police report (if the disability was caused by
an accident);
g) Newspaper cutting (if the disability was caused by an accident);
h) Copy of all relevant investigation results, hospital reports, CT/MRI Scan,
X-ray report and etc.;
i) Medical certificate (if any);
j) Certified true copy of the person covered’s NRIC;
k) Discharge receipt;
l) Original photographs for permanent disablement where necessary; and
m) Any other documents, if required by the Operator.
55
Thank you
56

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Sun Enrich-i

How can I maintain How do I protect

How much wealth

Does your current plan have these?

Increasing Regular Cash Payout

Low Risk & Stable

Hibah as Cash Distribution Tool

Be Financially Ready for a Better Tomorrow.

1. Hibah Takaful No.1 Cash Distribution tool

2. Deferred Cash Fund

Quick settlement through

Direct distribution to loved ones in the

Your loved ones will receive the

Payable within 2 Weeks

Increasing regular cash payout,

Allocate for Charity Gifts to charity organisations of your choice,

Takaful Hibah nomination. Diversification.

Options of contribution payment term and coverage term.

10 Pay 20 Term 20 Pay 30 Term

10 Pay 15 Pay 20 Pay

10 Pay 20 Term 15 Pay 25 Term 20 Pay 30 Term

“No medical underwriting and check-up”

Up to RM 300,000 of annualised takaful contribution

(reinvest into 100% of Sun

Life Malaysia Islamic Bond

Upon death/TPD at aged 60 Final Benefit at age 70

Total Payout: Total Payout:

Contribution payment term and Contribution payment term Contract term

Frequency of payment • Monthly, quarterly, half-yearly and yearly.

Contract • Increasing takaful contributions is not allowed.

i. Completion and submission of the duly signed reinstatement form;

• During the contribution break period:

Entry age Person covered Contract holder

i. Single person covered only.

For top-up contributions (single top-ups):

Deferred wakalah fee

i. Acquired Immuno-deficiency Syndrome (AIDS), AIDS-related complications, or infection by Human

i. treatment, medication, advice or diagnosis has been sought or received;

ii. Total and permanent disability (TPD)

Death Claims Death due to accident / suicide / murder :

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