PR Suntcf Sunatp Trainingdeck V3.0.pam

Sun TCF
(Sun Treat Customer Fairly)

& Sun ATP
(Sun AMLATFPUAA)
Academy V1.0 2020

For internal use only / SLM Academy Proprietary
Disclaimer
This presentation is purely a training tool for purposes of the Sun Life Malaysia Takaful
Berhad internal marketing training program. This presentation is not to be used
directly/indirectly for soliciting takaful business, contract holder services and/or
facilitating any other form of communications with external parties whatsoever. Whilst
Sun Life Malaysia 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 marketing 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 marketing material to be
shared with any external party.
2
Sun TCF
(Sun Treat Customer Fairly)
4
About Takaful Concept
 Takaful is an Arabic word

literally means
“guaranteeing each other
” or “joint guarantee ”.
 Takaful is a mutual
assistance scheme on the
principles of solidarity,
brotherhood and
cooperation.
5
Takaful Concept
 The concept of Tabarru’ is the main underlying

principles in the Takaful system making it free
from riba' (interest), gharar (uncertainty) and
maysir (gambling) elements.
 Tabarru’ means donation ; gift.
 Each participants agrees to contribute on the

basis of Tabarru’ (donation) into a pool of
fund, which will be used to assist each other in
times of need.
6
Sun Prime Link-i
Smart move to maximise your

protection and investment
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 an
external party.
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. 8
Introducing
Sun Prime Link-i

with unique features
“If something happens to you, we cover you, financially

If nothing happens to you, we grow you, financially”
party, without a written consent of SLM Academy.
9
Uniqueness of Sun Prime Link-i
1ST BACKEND LOAD FAST TRACK Financial security for

investment-linked financial goal ANYONE and EVERYONE
takaful plan in
Malaysia
10
Key focus
Fast Track financial goal
Backend load investment-linked takaful plan
that offers a combination of takaful protection
and investment.
Takaful contributions
Top-up
starting from the
contributions
first contract year
Allocated into Allocated into

Investment Account 1 Investment Account 2
For internal use only/ SLM Academy Proprietary It is strictly forbidden to share any part of this training content with any third 11
Takaful diagram concept
12
Key features
Death / TPD* 6 Optional

100% Allocation Maturity Benefit
Benefit Riders
Basic sum covered 6 optional riders to Contribution will be Sum covered plus
plus account value further enhance 100% allocated. account value will
is payable upon the protection such be payable at
death. as medical card contract maturity
and critical illness (at age of 99
Basic sum covered years old).
is payable upon
TPD.
*TPD: Total and Permanent Disability

13
Product features
Product Features Description
Product Type Regular contribution backend load investment-linked takaful plan
Coverage Term Option to choose up to age 70, 80, 99 or fixed term of 30 years
Contribution Paying Term Throughout the contract term
• Death and TPD

• Maturity benefit
Plan Benefits
• Extended takaful coverage benefit
• 6 optional riders
Minimum contribution RM 1,800 p.a.(RM 150 monthly)
For child contract

Expiry Expiry Expiry
Contract term 30 years
age 70 age 80 age 99
Min entry age Not 30 days old
allowed to
Max entry age select 30 17 years old
Max expiry age years 70 years old 80 years old 99 years old
term
For adult contract

Eligibility
The entry age will depend on the contract term chosen as detailed below.
Expiry age Expiry age Expiry age
Contract term 30 years
70 80 99
Min entry age 18 years old
Max entry age 40 years old 50 years old 60 years old 70 years old*
Max expiry age 70 years old 70 years old 80 years old 99 years old
* The maximum entry age for TPD benefit is 69 years old
14
Product features
Account type 2 investment accounts: Investment Account 1 & Investment Account 2
Takaful contribution Top-ups contribution

Contribution Allocation 100% allocation into 100% allocation into
Contribution allocation
Underwriting Requirement Full underwriting
Total commission (including overriding commission):

Commission
Up to 160% for takaful contributions; 3.75% for each top-up contribution
Final benefit (maturity) Sum covered plus account value

• Sun Life Malaysia Islamic Strategic Conservative Fund
• Sun Life Malaysia Islamic Strategic Balanced Fund
• Sun Life Malaysia Islamic Strategic Aggressive Fund
• Sun Life Malaysia Islamic Asia Pacific Equity Fund
ILP Funds
• Sun Life Malaysia Islamic World Equity Fund*
• Sun Life Malaysia Islamic Bond Fund*
* These 2 funds are not available for Principal agents at new business stage.
15
Review of ILP
Change to Product:
Product Change to Product
Introduce multiple expiry age options of 70, 80 and term

Sun Prime Link-i
30 years in addition to current expiry age 99
BETTER
AFFORDABILITY Expiry
Age 99
Term 30 Expiry Expiry

years Age 70 Age 80
LONGER
PROTECTION
16
Review of ILP
Protection gap concern:
• Maturity benefit is only applicable for coverage term up to age 99 Expiry
Age 99
Term 30 Expiry Expiry

years Age 70 Age 80
Shorten coverage term

Expiry Age auto-conversion feature: of protection
• The contract will be automatically converted to expiry age 99. This is only applicable for expiry term
of 30 years, age 70 and age 80.
• No underwriting for auto-conversion.
• Additional compulsory scheduled top-up required upon conversion.
• Client has a choice to opt-out from the “conversion program” at any time or surrender the contract
at the expiry age.
• Client may top-up early to accumulate fund for a lower required contributions at point of conversion.
Term 30 Expiry Expiry Expiry

For internal use only/ SLM Academy Proprietary It is strictly forbidden to share any part years Agewith
of this training content 70 any third
Age 80 Age 99 17
Financial security for ANYONE and EVERYONE
Sun Prime Link-i

(Riders)
6 Riders & Benefits
Cashless medical card
with high annual limit and Prime Medi
new additional Care Plus-i
benefits/ enhancements
Prime Multi Coverage on 36 critical
Critical Care-i illnesses up to 4 times
Prime
Additional accidental
Accident
death coverage
Care-i
Provides weekly income
Prime
for up to 52 weeks for
Disability
disability due to illnesses
Income Care-i
All future contributions are or accident
waived upon total and
Prime
permanent disability or
Waiver-i
diagnosis of critical illness
All future contributions
on the person covered
Prime Payor are waived upon death,
Waiver-i TPD or critical illness on
the contract holder
Prime Medi Care Plus-i
Salient Points
Other
enhancements
Refund of unutilised Genomic testing
Options to Deductible
R&B upon for cancer patient
choose plan options
hospitalisation
High annual limit Increasing room

with no lifetime limit and board (R&B) Intraocular Lodger
lenses benefit
1. Options to choose plan
500
Plus
500
300
Plan 500 plus
200
Plan 500
Plan 300
Plan 200
2. High Annual Limit
RM3,000,000
RM2,500,000 Plan 500

Plus
RM1,500,000
Plan 500
Plan 300
RM1,000,000
Plan 200
3. Deductible Options
Deductible options available to suit your medical needs
Deductible option provides an affordability option to enjoy the high annual
limit of medical coverage.
Plan 200 Plan 300 Plan 500 Plan 500 Plus

RM1,000,000 RM1,500,000 RM2,500,000 RM3,000,000
Deductible option Deductible

• Zero deductible; or RM500,000 per
• RM500 per disability contract year
* Any admission due to the same disability after 90 days following the latest date of discharge, you are required to pay
RM500 deductible amount. Please refer to the contract document for further information.
Note: Either Prime Medi Care-i or Prime Medi Care Plus-i is attachable to Sun Prime Link-i.
Example of Deductible Options
Example A: RM500 deductible per disability
Notes: Deductible amount is required for different disability or after 90 days for same disability.
Example of Deductible Options (Continued)
Example B: RM500,000 Deductible per contract year
4. Increasing Hospital Room and Board
Enjoy increasing hospital room and board every 3 years
provided there is NO CLAIM.
Room & Board

The hospital room and board
RM400 RM400 benefit increases by 25% of the
initial hospital room and board
RM350 benefit upon completion of
RM300
200% every 3 contract years with no
claim (up to 200% of initial
RM250 hospital room and board
benefit)
R&B RM200
Contract Year
3 6 9 12 15
Example of Increasing Hospital Room and Board
Example of Increasing Hospital Room and Board
5. Refund of 100% of the unutilised Hospital
Room and Board
If the actual hospital room and board charged
by the hospital is lower than the hospital room
and board benefit, including increasing
hospital room and board (if any), Unutilised
we will pay the difference between the R&B
actual hospital room and board charged by
the hospital during hospitalisation of the
person covered and the hospital room and
board benefit, including increasing hospital
room and board (if any), subject to the
maximum of 30 days per contract year as
stated in the schedule of benefits.
Any refund amount will be payable directly to contract holder
6. Intraocular Lenses
Coverage for
INTRAOCULAR
LENSES
Reimbursement of the reasonable and customary

charges incurred for intraocular lenses in cataract
surgery, subject to the limits stated in the schedule of
benefits.
*Depends on the plan chosen.

7. Genomic testing for cancer patient
Reimbursement of the reasonable and customary charges
incurred for the diagnostic genomic testing which such testing is
recommended and deemed appropriate by the person covered’s
treating Oncologist to determine the treatment options after the
person covered was diagnosed with Cancer.
*Depends on the plan chosen.

Note: Any predictive genetic testing shall be excluded from this benefit.
8. Lodger Benefit
Your loved ones can stay and care for you overnight.
Cover maximum 180 days per

contract year
Lodger benefit:
Reimbursement of the reasonable and customary charges incurred for the meals and
lodging expenses for a third party to accompany the person covered upon hospitalisation of
the person covered, subject to the limits stated in the schedule of benefits.
Note: Lodger benefit will increase as per increasing hospital room and board benefit increased.
New Enhanced Benefits
Intensive Care Unit

• Maximum 90 days per contract year
`
Post-Hospital Treatment
• Expenses for Surgical cases (Within 90 days after hospital discharge)
In-Hospital Physician Visit

• Maximum 180 days per contract year and 2 visit per day
Post-Hospital Treatment
• Expenses for Non-Surgical Cases (Within 90 days after hospital
discharge)
Sun Prime Link-i
Prime Medi Care Plus-i
Schedule of benefits:
Prime Medi Care Plus-i Rider
Provides coverage for:
Hospital Surgical Hospital Room &

Expenses Expenses Board
This rider provides coverage to the person covered for expenses on hospitalisation,
surgical, non-surgical and other related cost.
Schedule of benefits:
* Any admission due to the same disability after 90 days following the latest date of discharge, you are
required to pay RM500 deductible amount. Please refer to the contract document for further information.
Schedule of benefits (continued):
** Any refund amount will be payable directly to the contract holder.
# Covers the cost of major organ transplant of the person covered, as the recipient of the organ harvested
and not the living donor.
ADMISSION & DISCHARGE PROCEDURE
• Issue Admission Guaranteed Letter & SMS • AA inform insurer & Hospital & SMS
notification notification
• Patient to pay Excess Deposit if requested • Patient to elect to stay or transfer
• Monitor & review
• Issue Superceeding GL if necessary
• Patient arrange full payment to

hospital
• Hospital fax bill & final diagnosis for • Patient submits to insurer for
assessment reimbursement consideration
• AA will issue Final Guarantee Letter & SMS
notification
• Patient to pay excesses to hospital
40
HOSPITAL ADMISSION
Outpatient/ Treatment by Admission Faxed

Emergency doctor Form Admission form
• Wait for • Diagnosis • Doctor & • To AA
being • Prescription Admission • TAT 60 minutes
consulted Officer
41
HOSPITAL DISCHARGE
Discharge Doctor visit Preparing Compile

final bill
Faxed
• Advised • Other all bills Admission
by doctor patients • Doctor liaise
• By
with billing form
officer Billing
officer • To AA
• TAT 60 minutes
42
PANEL HOSPITALS LISTING
https://www.sunlifemalaysia.com/customer-care/make-a-claim/panel-hospitals/
43
Prime Multi Critical Care-i (PMCC-i)
A rider that provides additional
coverage on critical illnesses which
allows the person covered to make
one claim of 100% rider sum covered
(except for Angioplasty and Other
Invasive Treatments for Major
Coronary Artery Disease where only
10% rider sum covered or maximum
RM25,000 will be paid) from each
group up to a maximum of 400% sum
covered from all groups through the
rider term.
44
EXPIRY AGE PMCC-i
ELIGIBILITY
Entry Age (age last birthday )
Minimum Maximum
30 days old 60 years old
Maximum Expiry Age

85 years old
(age last birthday)
45
TABARRU’ (VOLUNTARY CONTRIBUTION) PMCC-i
SUM COVERED
Minimum
RM25,000
Sum Covered
Maximum
Up to 1 x basic plan sum covered or
Sum Covered
RM 1 million, whichever is lower
Tabarru’ (voluntary contribution) will be

deducted through cancellation of units from
Investment Account 1 into the Participants’
Tabarru’ Fund.
Tabarru’
The tabarru' charged will be subject to sum
covered, smoker status, age and gender of the
person covered.
46
GROUPING OF CRITICAL ILLNESS PMCC-i
GROUP 1 GROUP 2 GROUP 3
• Angioplasty & other • Severe • Brain Surgery

invasive treatment for Cardiomyopathy • Benign Brain
major Coronary Artery • Heart Valve Tumor
Disease* Surgery • Blindness
• Coronary Artery Bypass • Major Organ • Coma
Disease Transplant (Heart) • Deafness
• Heart Attack • Surgery to Aorta • Loss of speech
• End Stage Kidney Failure
• Major Burns
• Major Organ Transplant
• Major Head
(Kidney)
Trauma
• Stroke
• Other Serious CAD
• Medullary Cystic Disease
• SLE with Lupus Nephritis
*Angioplasty and Other Invasive Treatments for Major Coronary

Artery Disease where only 10% rider sum covered or maximum
RM25,000 will be paid
GROUPING OF CRITICAL ILLNESS PMCC-i
GROUP 4 GROUP 5 GROUP 6
• End Stage Lung • Alzheimer’s Disease/ • HIV due to Blood

Disease Irreversible Organic Transfusion
• End Stage Liver Failure Degenerative Brain • Chronic Aplastic
• Fulminant Viral Disorders Anemia
Hepatitis • Bacterial Meningitis • Major Organ
• Major Organ • Encephalitis Transplant (Bone
Transplant • Loss of Independence Marrow)
(Liver/Lung/Pancreas) Existence • Cancer
• Primary Pulmonary • Motor Neuron Disease
Arterial Hypertension • Multiple Sclerosis
• Muscular Dystrophy
• Paralysis/Paraplegia
• Parkinson’s Disease
48
WAITING PERIOD (coverage to be in forced)
PMCC-i
Certificate issue date /
Date of reinstatement
1st day 30 days 60 days
First 30 days: The following Critical Illness occurring during the 60

Exclude all 6 days are excluded:
groups of Critical
Illness i. Angioplasty and Other Invasive Treatments for
Major Coronary Artery Disease
ii. Cancer
iii. Coronary heart disease requiring surgery
iv. Heart Attack
v. Other Serious Coronary Artery Disease
No waiting period would be applicable for critical illness conditions due to

accident where the injury occurred after the contract issue date and was
directly and solely caused by external, violent and accidental means.
49
WAITING PERIOD (claim period ) PMCC-i
Diagnosed of the valid Expiry age

and approved claim 85 years old
1st claim 2nd claim
Waiting period
of 1 year
Exception:
Cancer claim which shall be subject to 5 years between the
diagnosis of the 2nd Cancer and the 1st Cancer diagnosed.
50
Prime Accident Care-i (PAC-i)
A rider that provides additional
100% of rider sum covered coverage
in the event the person covered
dies due to accidental causes.
Accident means an unforeseen, unexpected event of

violent, external and visible nature which shall
independently of any other causes, be the sole and direct
cause of death or bodily injury.
51
EXPIRY AGE PAC-i
ELIGIBILITY
Minimum Maximum
Maximum Expiry Age

65 years old
(age last birthday)
52
TABARRU’ (VOLUNTARY CONTRIBUTION) PAC-i
SUM COVERED
Minimum
RM25,000
Sum Covered
Maximum
Subject to 5 x basic plan sum covered or
Sum Covered
RM 1 million, whichever is lower
Tabarru’ (voluntary contribution) will be deducted

through cancellation of units from Investment Account
1 into the Participants’ Tabarru’ Fund.
Tabarru’
The tabarru' charged will be subject to sum covered and
occupation class of the person covered.
53
Prime Disability Income Care-i (PDIC-i)
A rider that provides weekly

disability income for up to 52 weeks
in the event the person covered
suffers disability due to illness
(which result in hospitalisation) or
accident.
54
COVERAGE PDIC-i
Disability Due to Accident / Duration payable
Illness
Weekly income will be Due to accident:
Temporary
payable up to 52 weeks Weekly income will be payable based on
total disability
per life time. doctor’s certification on the number of
days of the disability.
50% of the weekly income
will be payable up to 52 Due to illness:
weeks per life time. Weekly income will be payable based on
Temporary the number of days of hospitalisation,
partial including additional rest days certified by
disability doctor. Additional rest days are limited
to 30 days disability.
55
EXPIRY AGE PDIC-i
ELIGIBILITY
Minimum Maximum
18 years old 60 years old
Maximum Expiry Age

65 years old
(age last birthday)
56
TABARRU’ (VOLUNTARY CONTRIBUTION) PDIC-i
SUM COVERED (weekly income)
Minimum
RM100 (increase in multiple of RM10)
Sum Covered
Maximum up to RM4 per thousand of basic sum
Sum Covered covered or RM 4,000,
whichever is lower.

through cancellation of units from Investment
Account 1 into the Participants’ Tabarru’ Fund.
Tabarru’
The tabarru' charged will be subject to sum covered
and occupation class of the person covered."
57
WAITING PERIOD PDIC-i

Date of reinstatement
65 years old
1st day 30 days
Accidental Covers disability due to

injuries only accident or illness
58
Prime Waiver-i (PW-i)
This rider waives all future contributions until
the expiry of basic plan* in the event the
person covered suffers total and permanent
disability or upon diagnosis of any one of the
covered 36 critical illnesses.
*If there is a claim on the waiver of contribution benefit

rider, the future contributions will be waived until age 99,
regardless the expiry term chosen.
59
EXPIRY AGE PW-i
ELIGIBILITY
Minimum Maximum
Maximum Expiry Age 70 years old (for TPD benefit)

(age last birthday) 99 years old (for critical illness benefit)
60
TABARRU’ (VOLUNTARY CONTRIBUTION) PW-i
SUM COVERED
Total contribution waived =
Sum Covered
Takaful contribution + Schedule top-up contribution (if any)

Tabarru’
person covered."
61
SCENARIO 1 (TPD) PW-i
70 years old
(maximum
Certificate issue date / expiry age for
Date of reinstatement TPD benefit) 99 years old
25 years 45 years
old old
TPD due to Prime Waiver-i will waives all

accident future contributions
62
SCENARIO 2 (CI)
PW-i

Date of reinstatement 99 years old
25 years 45 years
old old
Diagnosed Prime Waiver-i will waives all

with Critical future contributions
Illness
63
Prime Payor Waiver-i (PPW-i)
This rider waived all future contributions until

the expiry of basic plan* in the event the
contract holder dies, suffers total and
permanent disability or upon diagnosis of any
one of the covered 36 critical illnesses.
*If there is a claim on the waiver of contribution benefit

rider, the future contributions will be waived until age 99,
regardless the expiry term chosen.
64
CONTRACT TERM PPW-i
ELIGIBILITY
Minimum Maximum
25 – person covered’s entry age or

Person covered is child 70 – Contract holder’s entry age,
whichever is lower.
99 – Person covered’s entry age or
Person covered is spouse 70 – Contract holder’s entry age,
whichever is lower.
65
TABARRU’ (VOLUNTARY CONTRIBUTION) PPW-i
SUM COVERED
Total contribution waived =
Sum Covered
Takaful contribution + Schedule top-up contribution (if any)

Tabarru’
person covered."
66
Person 25 – person covered’s entry age or
SCENARIO 1 (Child) covered is 70 – Contract holder’s entry age,
child whichever is lower.
Rider term = 20 years

(up to person covered’s age 25)
Person covered: 5 years old 99
Contract holder: 35 years old years old
Person covered: 15 years old

Contract holder: 45 years old
Prime Payor Waiver-i will

waives all future
contributions until the
expiry of basic plan
Contract holder
diagnosed with
Critical Illness
SCENARIO 2 (Spouse) Person
covered is
99 – Person covered’s entry age or
PPW-i
70 – Contract holder’s entry age,
spouse whichever is lower.

(up to contract holder’s age 70)

Contract holder: 35 years old years old

Prime Payor Waiver-i will

waives all future contributions
until the expiry of basic plan
Contract holder
diagnosed with
Critical Illness
LIST OF 36 CRITICAL ILLNESSES PW-i / PPW-i
1ST LISTING
1 Alzheimer’s Disease/Severe 2ND LISTING
Dementia 19 Loss of Independent Existence
2 Bacterial Meningitis 20 Loss of Speech
3 Benign Brain Tumor 21 Third Degree Burns
4 Blindness – Permanent and 22 Major Head Trauma
Irreversible 23 Major Organ/Bone Marrow
5 Brain Surgery Transplant
6 Cancer 24 Medullary Cystic Disease
7 Chronic Aplastic Anemia 25 Motor Neuron Disease
8 Coma 26 Multiple Sclerosis
9 Coronary Artery By-Pass Surgery 27 Muscular Dystrophy
10 Deafness – Permanent and 28 Serious Coronary Artery Disease
Irreversible 29 Paralysis of Limbs
11 Encephalitis 30 Parkinson’s Disease
12 Kidney Failure 31 Primary Pulmonary Arterial
13 End-Stage Liver Failure Hypertension
14 End-Stage Lung Disease 32 Cardiomyopathy
15 Fulminant Viral Hepatitis 33 Stroke
16 Heart Attack 34 Surgery to Aorta
17 Heart Valve Surgery 35 Systemic Lupus Erythematosus
18 HIV Infection due to Blood with Severe Kidney Complications
Transfusion 36 Terminal Illness
69
Sun Prime Link-i
(Marketing Concept)
Sun Prime Link-i
Marketing Concept
100% allocated Flexibility Boost up Affordability

Accumulate more of choices Availability of top Takaful
investment units 6 optional riders up to boost up contributions as
starting from day 1. to customize investment fund low as RM150
Takaful contributions individual needs monthly, no limit
are 100 % allocated for high net
into Investment worth
Account 1
71
Sun Prime Link-i
Marketing Concept
Legacy Huge maturity Tax relief

creation value Eligible for income
Guaranteed legacy tax relief
Client will enjoy
creation with the total account
conditional hibah value plus basic
sum covered upon
maturity
72
Sun Prime Link-i
Marketing Concept
Moment Risk Anytime Risk
Regular contributions Immediate Creation

with 100% investment allocation of 100% protection
“If something happen to you, we cover you, financially

If nothing happens to you, we grow you, financially”
You are 100% in control! 73
Sun Prime Link-i

(Commissions)
Commissions
Takaful contribution
Commission rate (% of Takaful Contribution)
Contribution Year
Basic Overriding
1 25% 15%
2 25% 15%
3 15% 10%
4 15% 10%
5 15% 0%
6 15% 0%
7 and onwards 0% 0%
Scheduled top-up contribution and single top-up contribution

Commission rate (% of Takaful Contribution)
Contribution Year
Basic Overriding
All years 2.75% 1.00%
Production bonus & Persistency bonus

Not applicable 75
Sun Prime Link-i

(Product Features)
Product features
DEATH BENEFIT • Upon death of the person covered, the sum of the basic sum covered and total
account value (i.e. the sum of Investment Account 1 value and Investment
Account 2 value) will be payable, subject to the juvenile lien and deduction of
any indebtedness.
• The contract will be terminated upon payment of claims under this benefit.
TOTAL AND • Upon TPD of the person covered, the sum covered for TPD benefit will be
PERMANENT payable in a lump sum, subject to the juvenile lien and deduction of any
DISABILITY indebtedness.
(TPD) BENEFIT • TPD coverage shall cease on the contract anniversary immediately following
the person covered’s 70th birthday.
• The maximum aggregate amount of the TPD benefit payable with respect to
the TPD of the person covered under this and all other individual and group
contract or certificates issued by the company shall not exceed RM8,000,000.
• The contract will continue to be in force upon payment of TPD claim, and the
sum covered for death benefit will be reduced by the TPD claim amount. If the
TPD claim amount payable is equal to the sum covered for death benefit, then
the death benefit will be equal to the total account value only after payment of
TPD claim.
( TO CONTINUE NEXT PAGE)
77
Product features
TOTAL AND TPD Definition (any occupation)
PERMANENT • If the person covered is below the age of 18 years, TPD is defined as a state of permanent incapacity in
DISABILITY which the person covered is confined to a home, hospital or other institution, requiring constant care
(TPD) and medical attention for at least 6 consecutive months.
BENEFIT
• If the person covered is employed between the ages of 18 and 65, working for money or operating their
own business, they would be considered totally and permanently disabled if they are totally and
permanently unable to do any work, occupation or profession to earn any wages, compensation or
profit. The disability must last for at least 6 consecutive months from the date of diagnosis.
• If at the time of suffering the disability, the person covered between the ages of 18 and 65 is not in paid
work or operating their own business or is a housewife or if the person covered is between the ages of
66 and 70, we consider total and permanent disability to be the inability to carry out at least 3 out of 6
activities of daily living (as stated below) without the help of another person. The disability must last for
at least 6 consecutive months from the date of diagnosis.
I. Transfer – Getting in and out of a chair without requiring physical assistance;

II. Mobility – The ability to move from room to room without requiring any physical assistance;
III. Continence – The ability to voluntarily control bowel and bladder functions such as to maintain
personal hygiene;
IV. Dressing – Putting on and taking off all necessary items of clothing without requiring assistance of
another person;
V. Bathing/Washing – The ability to wash in the bath or shower (including getting in or out of the bath or
shower) or wash by any other means; or
VI. Eating – All tasks of getting food into the body once it has been prepared.
78
Product features
TOTAL AND The occurrence of any of the following will also be considered as TPD:
PERMANENT i) Total and permanent loss of sight of both eyes;
DISABILITY (TPD) ii) Loss of 2 limbs at or above wrist or ankle;
BENEFIT iii) Total and permanent loss of sight of 1 eye and loss of 1 limb at or above wrist or
ankle; or
iv) Permanent total paralysis.
2 of our medical examiners must be satisfied that the person covered’s disability meets
the definition of TPD.
MATURITY • In the event person covered survives until the end of the contract term (age 99), the
(Only applicable for total account value (i.e. the sum of Investment Account 1 value and Investment
expiry at age 99) Account 2 value) as at the maturity date of the contract plus basic sum covered will
be payable.
79
Sun Prime Link-i

(Underwriting Requirements)
Underwriting requirements
UNDERWRITING Full underwriting based on the consolidated full underwriting

GUIDELINES takaful application form
UNDERWRITING Underwriting decision can be to:
CONSIDERATIONS • accept at standard rates;
• accept with loading on the tabarru’ for sub-standard lives;
• accept with exclusions imposed;
• decline; or
• postpone.
FINANCIAL • Applicable
UNDERWRITING
MEDICAL • Underwriting for the person covered will follow the schedule of
UNDERWRITING underwriting limit. For the calculation of non-medical limit, the
sum covered of all individual non-credit takaful products will be
aggregated.
81
Sun Prime Link-i

(Takaful Plan Mechanism)
Takaful diagram concept
83
Takaful mechanism
NATURE OF The operator will be appointed to manage the contributions based on a Wakalah
PARTICIPANTS contract. Takaful contributions paid will be allocated to Investment Account 1 while
top-up contributions paid will be allocated into Investment Account 2.
Investment Account 1
• Tabarru’ (voluntary contribution) will be deducted for each basic benefit and
rider (if any) through cancellation of units from Investment Account 1 into the
Participants’ Tabarru’ Fund. The first monthly Tabarru’ will be deducted on the
contract issue date and subsequent monthly Tabarru’ on every monthly
anniversary to cover these benefits.
• The mortality, disability and survival risks on the basic benefits are therefore
transferred to the Participants’ Tabarru’ Fund.
• The assets of the Investment Account 1 will be invested and managed in line with
Shariah. All costs, expenses and charges for maintaining and investing the assets
of the investment account 1 and any other related expenses will be deducted
from the investment account 1 such as administration fee, fund management
fee, wakalah fee (monthly wakalah fee and deferred wakalah fee), switching fee,
and other fees that may be applicable on the funds. Refer to the Fees and
Charges section for fee details.
• Any investment loss in Investment Account 1 will be borne by the contract holder
unless it is due to SLMT negligence and misconduct.
84
Takaful mechanism
NATURE OF Investment Account 2

PARTICIPANTS • Top-up contributions paid will be allocated into Investment Account 2.
• If the value of Investment Account 1 is insufficient to cover the monthly Tabarru',
and/or administration fee, the outstanding monthly Tabarru' and/or
administration fee will be deducted from Investment Account 2 instead.
• The assets of the Investment Account 2 will be invested and managed in line with
Shariah. All costs, expenses and charges for maintaining and investing the assets of
Investment Account 2 and any other related expenses will be deducted from the
Investment Account 2 such as fund management fee, deferred wakalah fee, and
switching fee. Refer to the Fees and Charges section for fee details.
• Any investment loss in Investment Account 2 will be borne by the contract holder
unless it is due to SLMT negligence and misconduct.
85
Takaful mechanism
PARTICIPANTS’ • The Tabarru’ (voluntary contribution) will be deducted for each basic benefit and rider (if any)
TABARRU’ through cancellation of units from Investment Account 1 into the Participants’ Tabarru’ Fund.
FUND (PTF) The first monthly Tabarru’ will be deducted on the contract issue date and subsequent monthly
Tabarru’ will be deducted on every monthly anniversary to cover these benefits.
• The mortality, disability and survival risks on the basic benefit and rider (if any) are therefore
transferred to the Participants’ Tabarru’ Fund. If the value of Investment Account 1 is
insufficient to cover the monthly Tabarru’, the outstanding monthly Tabarru’ amount will be
deducted from Investment Account 2 instead.
• All takaful benefits covered under the basic sum covered and riders shall be paid from the
Participants’ Tabarru Fund.
• In the event of a deficit in the Participants’ Tabarru’ Fund, the operator will provide an interest-
free loan (“Qard”) to the Participants’ Tabarru’ Fund. The Qard is repayable to the operator
from any surplus declared in the respective Participants’ Tabarru’ Fund.
• Any investment profit from Participants’ Tabarru'’ fund (if any) shall be part of surplus sharing
calculation and distribution.
• Any surplus arising from Participants’ Tabarru’ Fund after Qard repayment (if any), will be
distributed annually as follows:
- 50% to the operator; and
- 50% to Investment Account 1.
a) All costs, expenses and charges for maintaining and investing the assets of the participants’
tabarru' fund and any other direct claims related expenses from the participants’ tabarru’
fund.
86
Takaful mechanism
TABARRU’  The Tabarru’ for the basic benefits shall be due on the contract issue
date and on every monthly anniversary thereafter.
 For optional riders (if any), a different set of Tabarru’ will be deducted
in the same manner as the Tabarru’ for the basic benefits.
 The Tabarru’ shall be deducted through cancellation of units in
Investment Account 1. If the value of Investment Account 1 is
insufficient to cover the monthly Tabarru’, the outstanding monthly
Tabarru’ amount will be deducted from Investment Account 2 instead.
 Annual 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.
87
Sun Prime Link-i

(Rating and Contribution)
Rating and contribution
CONTRIBUTION PAYING TERM Regular contribution and payable throughout the

contract term
FREQUENCY OF PAYMENT  Monthly, quarterly, half-yearly and yearly
 The regular contribution frequency can be
changed.
CONTRIBUTION ALLOCATION
Contribution Allocation
Contribution For Takaful For Top-up
Year contributions (% of Contributions 9% of
Takaful Contribution) Top-up Contribution)
All years 100% 100%
89
MODAL CONTRIBUTION AND PAYMENT METHOD
• Modal factor to yearly contribution:
Contribution payment Model factor to yearly

mode contribution
Monthly 1/12
Quarterly 1/4
Half-yearly 1/2
Yearly 1
Payment Method Initial Contribution Renewal Contribution

Direct bank in  
(into SLM collection
bank account)*
Credit Card/ Debit  
Card
Direct Debit**  
• For monthly payment mode, an initial payment of 2 months’ contribution is required upfront while
for other regular payment modes, only the first instalment is required.
* Direct Bank in:
Cash – payment via online banking or over the counter at the bank.
Cheque – cheque payments over the counter at the bank only. 90
CONTRIBUTION  Total contribution = Takaful contribution + Top-Up contribution (if any)
 Takaful contribution
- The takaful contribution determines the sum covered for this basic contract and is
subject to underwriting.
- This is the portion of contribution that attracts full commission for regular
contribution.
- Minimum : RM1,800 annually (or RM150 monthly)
Maximum : No limit, subject to underwriting
 Top-Up contribution
- The contract holder may choose to make a top-up contribution into Investment
Account 2 to increase its account value. The top-up contribution does not increase
or decrease the basic sum covered.
i) Scheduled Top-Up Contribution

Minimum : RM 10 monthly (in the multiple of RM 10)
Maximum : No limit
i) Single Top-Up Contribution

Single top-up contribution can be done anytime while the contract is in
force except during the contribution break period, provided a top-up
request form is submitted.
Minimum : RM 500 per transaction (in multiple of RM 10)

Maximum : No limit
91
SUM COVERED
• The sum covered is determined by multiplying the annual takaful contribution
with the sum covered multiplier (SCM).
• The minimum sum covered multiplier (SCM) factors are as follows:
Entry Age SCM

1 to 16 60
17 to 25 55
26 to 35 50
36 to 45 35
46 to 55 25
56 and above 15
92
JUVENILE LIEN
A juvenile lien is applicable in the event the person covered dies or suffers TPD before
his/her 4th birthday.
TOTAL ACCOUNT VALUE PAYABLE
ATTAINED AGE (LAST BIRTHDAY) ON
SUM COVERED PAYABLE (APPLICABLE FOR DEATH
THE DATE OF DEATH OR TPD BEGINS
BENEFIT)
Less than 1 20% of the sum covered 100% of the total account value
1 40% of the sum covered 100% of the total account value
4 and above 100% of the Sum covered 100% of the total account value
93
Sun Prime Link-i

(Fees and Charges)
Fees and charges
The contract fees 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 respective contract anniversary.
MONTHLY WAKALAH FEE
• A percentage of the value of Investment Account 1 will be deducted from Investment Account 1 through
cancellation of units on the contract issue date and each monthly anniversary including the contribution
break period.
• The monthly wakalah fee will be deducted first before any deduction of tabarru’ and other fees.
• If there is any increase in the takaful contributions, the increase amount of takaful contributions will be
considered as a new tranche of contribution. E.g. If the takaful contribution is increased from RM5,000
p.a. to RM6,000 p.a., the additional RM1,000 will be considered as a new tranche.
• Investment Account 1 value generated from the new tranche(s) is subject to monthly wakalah fee for 10
years starting from the effective date of increase in the takaful contributions.
• The monthly wakalah fee is not subject to GST.
• The monthly wakalah fee rate is as follows:.
Monthly wakalah fee
Contract Year
(% of the value of Investment Account 1 per month)
1 0.83%
2 0.83%
3 0.83%
4 0.75%
5 0.67%
6 0.58%
7 0.50%
8 0.42%
9 0.33%
10 0.25%
11 and above 0% 95
Fees and charges
MONTHLY WAKALAH FEE
• For payment frequencies other than monthly mode, a discount on the monthly wakalah fee shall be applicable
as long as the contract is not on contribution break, as follows:
Discount on monthly wakalah fee
Payment frequency (% of monthly wakalah fee)
Monthly 0%
Quarterly 5%
Half-yearly 10%
Yearly 20%
DEFERRED WAKALAH FEE

• Deferred wakalah fee is applicable for partial withdrawals and full surrender.
• If there is any increase in the takaful contributions, the increased amount of takaful contributions will be
considered as a new tranche of contribution. E.g. If the takaful contribution is increased from RM5,000
p.a. to RM6,000 p.a., the additional RM1,000 will be considered as a new tranche.
• Any withdrawal from any new tranches of takaful contributions is also subject to deferred wakalah fee
for 10 years starting from the effective date of increase in the takaful contributions.
• The deferred wakalah fee is not subject to GST.
• The withdrawal amount shall be from earlier tranches based on first in first out basis.
• The deferred wakalah fee rate is as follows: (Please turn to next slide for the rates table)
96
Fees and charges
Contract Year Deferred wakalah fee

(% of the value of withdrawal amount)
Withdrawal from Withdrawal from
1 60%
2 60%
3 55%
5%
4 45%
(*The max deferred
5 35% wakalah fee charged
6 25% will be capped at 5%
of total top-up
7 18%
contributions paid)
8 12%
9 7%
10 3%
11 and above 0%
97
Fees and charges
Example for withdrawal from Investment Account 1

Annual takaful contributions as at 01/01/2018 = RM3,000
On 01/01/2022 (5th contract year), client requests to increase annual
takaful contributions from RM3,000 to RM5,000.
On 30/6/2022 (5th contract year), client requests to withdraw RM17,000
from Investment Account 1.
Value of Investment Account 1 (from RM3,000 tranche) = RM16,000
Value of Investment Account 1 (from RM2,000 tranche) = RM2,500
Deferred wakalah fee = RM16,000 * 35% + RM1,000 *

60%
= RM6,200
Remaining value of Account 1 (from RM3,000 =0
tranche)
Remaining value of Account 1 (from RM2,000 = RM1,500
tranche)
98
Fees and charges
Example for withdrawal from Investment Account 2
Total top-up contribution as at 01/01/2018 = RM10,000

The max deferred wakalah fee allowed = RM500 (capped at 5% of total top-ups)
Withdrawal from Account 2 as at 01/01/2018 = RM3,000
Deferred wakalah fee = RM3,000 * 5%

= RM150
Remaining deferred wakalah fee allowed = RM500 – RM150
= RM350
Total top-up contribution as at 31/12/2018 = RM20,000

The max deferred wakalah fee allowed = 5% * RM20,000 – RM150
= RM850
Withdrawal from Account 2 as at 31/12/2018 = RM25,000
Deferred wakalah fee = 5% of withdrawal amount, capped at the max deferred

wakalah fee allowed
min (5%* 25,000)
= RM850
Remaining deferred wakalah fee allowed =0
99
Fees and charges
FUND MANAGEMENT FEE (FMF)
• The FMF varies based on the choice of funds:
Fund management fee

(% per annum on Net Asset
Fund Value of Investment Account
1 and Investment Account 2)
Sun Life Malaysia Islamic Strategic Conservative Fund 1.20% p.a.
Sun Life Malaysia Islamic Strategic Balanced Fund 1.50% p.a.
Sun Life Malaysia Islamic Strategic Aggressive Fund 1.80% p.a.
Sun Life Malaysia Islamic Asia Pacific Equity Fund 1.80% p.a.
Sun Life Malaysia Islamic World Equity Fund* 1.75% p.a.
Sun Life Malaysia Islamic Bond Fund* 1.00% p.a.
• The FMF is not guaranteed and may be subject to change.
• The FMF is not subject to SST.
Fees and charges
ADMINISTRATION • An administration fee of RM 5.00 per contract per month will be deducted from Investment
FEES Account 1 through cancellation of units in each fund at the proportion according to the value
of Investment Account 1.
• If the value of Investment Account 1 is insufficient to cover the administration fee, the
outstanding administration fee amount will be deducted from Investment Account 2 instead.
• The amount charged is applicable to all contribution payment modes.
• Administration fees are not chargeable between lapses date to any reinstatement date of
this contract.
• If there are multiple contribution tranches, the deduction of administration fee shall be from
earlier tranches based on first in first out basis.
SWITCHING FEES • The current fund switching fee is free. However, Sun Life Malaysia reserves the right to
remove the free switches and / or revise the switching fee from time to time by giving at
least 90 days’ notice to you.
10
Fees and charges
TABARRU’
• Tabarru’ shall vary (where applicable) according to the following:
- Attained age of the person covered, whereby the change in rate shall be effective at the
contract monthly anniversary following the person covered’s birthday;
- Gender of the person covered;
- Smoker status of the person covered;
- Sum covered;
- Benefit;
- Occupational class; and
- Underwriting classification.
• The Tabarru’ of the basic contract including optional riders (if any) shall be due on the contract issue date
and on every monthly anniversary thereafter.
• The Tabarru’ shall be deducted through cancellation of units in Investment Account 1. If the value of
Investment Account 1 is insufficient to cover the monthly Tabarru’, the outstanding monthly Tabarru’
amount will be deducted from Investment Account 2 instead.
• Monthly Tabarru’ will be calculated separately for death benefit and TPD benefit.
• Monthly Tabarru’ = [(Annual Tabarru’ Rate at age X * Large case size factor) * 0.0833 * Sum Covered] /
1,000
• A large case size discount is applicable as follows:
Basic sum covered Large case size factor

0 to RM499,999 100%
RM500,000 to RM999,999 90%
RM1,000,000 to RM2,499,999 85%
RM2,500,000 onwards 80% 10
Fees and charges
TABARRU’
• The 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 respective contract anniversary.
• Tabarru’ will not be charged between the lapsed date and any reinstatement date of the contract.
• In the event that the total account value is exhausted and is insufficient to deduct Tabarru’, the
contract would cease.
• Tabarru’ (inclusive of rider fees) of non-life riders is subject to GST.
• Refer to Appendix E for the Annual Tabarru’ rates for the basic contract.
RIDER WAKALAH FEES

• Rider wakalah fees are imposed for the services provided to manage the riders, claims and
expenses under the Participants’ Tabarru' Fund.
• Rider wakalah fees equal to 40% of the monthly rider’s tabarru' (except for Prime Medi Care-i,
which is only 35% of the monthly rider’s tabarru’) will be paid into the Operator’s Fund.
OTHER FEES
• FMF and other fund level fees may be revised by giving the contract holder at least 90 days
written notice prior to the effective date.
10
Sun Prime Link-i

(Contract Options)
Contract options
ADVANCE TERMINAL ILLNESS Not applicable
AUTOMATIC CONTRIBUTION LOAN Not applicable
EXTENDED TERM CONTRACT Not applicable
PAID UP Not applicable
CONTRACT LOAN Not applicable
CONTRIBUTION BREAK
• Contribution break is allowed any time after the contract is set inforce. On contribution break, the basic
contract will remain in-force for as long as there is sufficient fund in Investment Account 1 or Investment
Account 2 to pay for tabarru’ and other contract fees. Tabarru’ and other contract fees will continue to be
deducted during the contribution break period.
• In the event the total account value is not sufficient to pay one more month of tabarru’ and other contract
fees, the contract shall provide coverage up to the next monthly anniversary before it lapses.
• During the contribution break period:
- commissions are not paid until contribution due is paid to the company.
- any single top-up contribution is not allowed.
- the discount on monthly wakalah fee will be not be applicable.
• When the contract holder resumes contribution payment:
- 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.
- The commission scale will continue from where it has stopped prior to the contribution break.
10
Contract options
SURRENDER/ FULL • Contract holder may opt to surrender the contract by making a notification request
WITHDRAWAL for full withdrawal of the investment made for the contract.
• The total account value, which is calculated with reference to the value of units
withdrawn at the price on the valuation date immediately following the receipt of
request to surrender, less any deferred wakalah fee, will be payable and the contract
will then be terminated.
FUND SWITCHING • Fund switching could be done in full or partially. Switching is on the units already
allocated in the relevant funds for units in other funds offered under this plan.
• Contract holder may opt to switch at any time as long as the basic contract is in-force
and will be subject to switching fee (if applicable).
• Contract holder may opt to switch funds either for Investment Account 1 or
Investment Account 2 or both. However, fund switching from Investment Account 1 to
Investment Account 2 is not allowed, vice versa.
• There is no minimum holding amount required in each fund after switching. The
minimum switch amount is the lower of RM 1,000 or the NAV of the fund.
10
Contract options
PARTIAL • Contract holder may opt for partial withdrawal at any time as long as the basic contract
WITHDRAWAL is in-force.
• Contract holder would specify the withdrawal amount (RM) and the proportion (in % or
RM) of the withdrawal amount to be withdrawn from Investment Account 1 or
Investment Account 2.
Note: Agent should advise the client to withdraw from the Investment Account with
lower deferred wakalah fee first.
• The partial withdrawal amount is subject to deferred wakalah fee, if any.
• Partial withdrawal will not affect the basic sum covered.
• The minimum withdrawal amount is RM 500 per transaction.
• The minimum holding amount after withdrawal is RM 1,000 per contract.
FINANCIAL • Increase/reduction in sum covered/benefit amount for basic plan and rider is allowed at
ALTERATIONS any time. Increase in any sum covered/benefit amount is subject to underwriting.
(subject to • Addition/cancellation of rider is allowed at any time. Addition of any rider is subject to
system and underwriting.
operational • Increase in takaful contributions is allowed at any time, but the effective date is only on
readiness) the next contribution due date.
• Decrease in takaful contributions is allowed at any time from the third contract year
onwards, but the effective date is only on the next contribution due date.
• Increase or decrease in scheduled top-up contributions is allowed at any time, but the
effective date is only on the next contribution due date.
10
Contract options
OTHERS (RM10 • Upon the distribution of surplus (if any), investment profit (if any) and/or the maturity of
THRESHOLD) contract (if any), any amount payable which is equal to or less than RM10 per contract
holder on each financial year will be credited to the contract holder’s latest bank
account in our records. If no bank account information is provided, the amount will be
donated to charitable organisations as approved by our Shariah committee.
10
Sun Prime Link-i

(Exclusions)
Exclusions
DEATH The death benefit will not be payable if the person covered commits suicide (while sane or
insane at the time) within 12 months from the basic contract issue date. In this case, the basic
contract will be terminated and the total account value as at date of death, will be payable.
TPD 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. Acquired Immuno-deficiency Syndrome (AIDS), AIDS related complications, or infection of the person
covered by Human Immunodeficiency Virus (HIV);
iii. Being under the influence of drugs or any narcotic or due to intoxication by liquor and/or illicit substance;
iv. Criminal act, involvement in a breach of law (unless as an innocent party) or membership of an illegal
organisation;
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 operating by a commercial passenger airline on a regular
schedule passenger trip over its established passenger route;
vi. 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;
vii. Self-inflicted injuries or suicide, while sane or insane;
viii. Active duty in any navy, army, air force, military, fire service, civil defense, police or law enforcement
organisation; or
ix. 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.
11
Sun Prime Link-i

(Contract Termination)
Contract termination
The coverage of the person covered will be terminated with immediate effect on
the first occurrence any one of the following events:
I. Upon death of person covered;

II.Upon full payment of the total account value by surrendering the contract;
III.
Upon cancellation of the contract;
IV.Upon lapsation i.e. on monthly anniversary immediately after the total
account value is zero; or
V. On the maturity date.
If the TPD benefit payable is less than sum covered for death as at the date the
TPD begins, total TPD benefit payable shall be limited to the sum covered for TPD
and the takaful coverage for death shall continue. The sum covered for death for
all future durations shall reduce by the total benefit amount payable for TPD at the
date the TPD begins.
11
Sun Prime Link-i

(Others)
Others
ATTACHABLE All attachable riders are unit deducting riders.
RIDER(S) 1. Prime Waiver-i
2. Prime Payor Waiver-i
3. Prime Medi Care-i
4. Prime Multi Critical Care–i
5. Prime Accident Care-i
6. Prime Disability Income Care-i
Rider is allowed to be attached to basic contract after contract inception, subject to
system and operational readiness. The newly attached rider will be effective at next
contribution due.
BACKDATING OF Not allowed
COMMENCEMENT
DATE
FREE-LOOK 15 days from the contract delivery date. The following will be refunded to the contract
PERIOD holder:
I. Value of units that has been allocated at the unit price at the next valuation date;
and
II. Any tabarru’ and contract fees that have been deducted;
Less expenses which may have been incurred for the medical examination of the person
covered.
GRACE PERIOD & The Company will allow a grace period of 30 days starting from the contribution
LAPSATION payment due date. If contribution is not paid within the grace period, the basic contract
will automatically goes to contribution break for as long as the total account value is
sufficient to cover the monthly tabarru’ and other contract fees. Upon insufficient units
for Tabarru’ and other fees, contract shall lapse. 11
Others
MISSTATEMENT If within the limit of acceptance by the company:

OF AGE AND I. Tabarru’ deducted is higher than it should be:
GENDER The difference of the tabarru’ will be refunded into Investment Account 1.
II. Tabarru’ deducted is lower than it should be:
then we may prorate the benefits payable based on the ratio of the actual tabarru’
Deducted to the correct tabarru’ which should have been deducted for the person
covered’s true date of birth/gender.
If NOT within the limit of acceptance by the company:

I. Benefits payable would be limited to the total tabarru’ deducted since inception of the
contract and the total account value less any indebtedness. The total account value is
the value of units of all accounts at the date of death or the date the TPD begins,
whichever is earlier.
RETAKAFUL Subject to company arrangement
115
Others
REINSTATEMENT • When the basic contract lapses, the basic contract can be reinstated within
12 months from the date the contract lapsed subject to:
i) Written application for reinstatement;
ii) The relevant information and documents required by the company at
contract holder’s own expense; or
iii) All outstanding contributions payable, i.e. any unpaid contributions since
the contribution break or lapsed date, whichever is earlier, until the
reinstatement date.
• No takaful coverage will be provided to this contract for the period between
the date the contract lapsed and the date the contract is reinstated.
• Commissions will continue from last contribution paid.
• Tabarru’ will not be deducted for the duration between the lapsed date and
reinstatement date.
• Monthly Wakalah Fee will not be back-charged for the duration between the
lapsed date and reinstatement date.
• No reinstatement of contract is allowed if the contract is cancelled or
surrender upon contract holder’s request.
• No reinstatement of rider is allowed if the rider is cancelled upon contract
holder’s request.
116
Others
TAXATION • Takaful contribution paid under this takaful product is eligible for deduction as income tax
relief under the EPF and Family Takaful category, subject to the regulations of Inland
Revenue Board of Malaysia.
i. As per existing practice, if a medical and health rider is attached, client can opt for
either of the following:
• 100% of the takaful contributions under the EPF and Family Takaful category; or
• 60% of the takaful contributions under the Medical and Education category
117
Others
CLAIM
CLAIMS PAY- On death of the person covered, we will pay the sum covered in force to the contract
OUT holder or beneficiary. Such payment shall discharge all liabilities under the contract.
CLAIM Standard claims procedure with the required documents as follows:
PROCEDURE I. Death
The claimant shall notify on the death of any person covered immediately and
furnish the company with all information necessary to determine whether the
benefit is payable in respect of that person covered at no expense to the
company, within a period of 30 days from the date of death.
II. Total and permanent disability

Advance written notice of injury or sickness for which a claim will be submitted
must be given to within 30 days after the date of occurrence of such disability.
Failure to give 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.
118
Others
CLAIM DOCUMENTS REQUIREMENT
TYPES
DEATH I. Claimant’s statement
CLAIMS II. Duly completed death claim form
III. Certified true copy of death certificate
IV. Certified true copy of burial permit
V. Medical attendance report
VI. Certified true copy of deceased’s NRIC/ birth certificate
VII. Original contract document/ takaful certificate. If contract document is lost, statutory
declaration for lost contract is required
VIII. Certified true copy of claimant’s NRIC
IX. Discharge form
X. Any other documents, if required, by the company
Death due to accident / suicide / murder :
I. Duly completed death claim form
II. Certified true copy of the police report
III. Certified true copy of post mortem report / autopsy report
IV. Newspaper cutting
V. Any other documents, if required by the company
Death occurred overseas:
I. Duly completed death claim form
II. Import / export permit certificate
III. 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.
IV. Any other documents, if required by the company 119
Others
CLAIM DOCUMENTS REQUIREMENT

TYPES
TPD I. TPD claim form
CLAIMS II. Medical attendance report on TPD Claim after 6 months from the disability date
III. Certified true copy of SOCSO’s report
IV. Letter from employer
V. Original contract document/ takaful certificate. If lost, to submit statutory declaration
for lost contract
VI. Certified true copy police report (if disability was caused by accident)
VII. Newspaper cutting (if disability was caused by accident)
VIII. Copy of all relevant investigation results, hospital reports, CT/MRI Scan, X-ray report
and etc
IX. Medical certificate (if any)
X. Certified true copy person covered’s NRIC
XI. Discharge receipt
XII. Original photographs for permanent disablement where necessary
XIII. Any other documents, if required, by the company
120
Sun Legacy -i
The BEST MEMORY
For Your LOVED ONES
Agenda
Introduction
Takaful Concept
Key Benefits
Marketing Concept
Product Features
Underwriting Requirements
Commissions
Exclusions
Appendix
For Internal use only/ SLM Academy Proprietary. It is strictly forbidden to share any part of
122 this training content with any third party, without a written consent of SLM Academy
Introducing
Sun Legacy-i
The BEST MEMORY For Your LOVED ONES
Sun Legacy-i is a limited/regular-pay backend load investment-linked

takaful (ILP) plan with surplus sharing.
 Takaful is an Arabic word

literally means
“guaranteeing each other
” or “joint guarantee ”.
 Takaful is a mutual
brotherhood and
cooperation.
Takaful Concept
 The concept of Tabarru’ is the main underlying

principles in the Takaful system making it free
from riba' (interest), gharar (uncertainty) and
maysir (gambling) elements.
 Tabarru’ means donation ; gift.
 Each participants agrees to contribute on the

basis of Tabarru’ (donation) into a pool of
fund, which will be used to assist each other in
times of need.
Backend load
Backend load investment-linked takaful plan

that offers a combination of takaful protection
and investment.
Takaful contributions
Top-up/rider
starting from the
contributions
first contract year
Allocated into Allocated into

Takaful Diagram Concept
Takaful Surplus
 Any distributable surplus arising from Participants’ Tabarru’ Fund after Qard
repayment (if any), will be distributed annually as follows:

- 50% to the Investment Account 1,if eligible.
For out-of-force contracts:
 Upon the distribution of surplus (if any), investment profit (if any) and/or the
maturity of contract (if any), any amount payable which is equal to or less
than RM10 per contract holder on each financial year will be credited to
contract holder’s latest bank account in our records.
 If no bank account information is provided, the amount will be donated to

charitable organisations as approved by our Shariah committee.
The BEST MEMORY For Your LOVED ONES
BENEFITS PAYOUT DURING LIFETIME
BENEFITS PAYOUT DURING LIFETIME – INVESTMENT AFTERLIFE
UP TO RM10K Maturity
Benefit Zakat
Wasiat/will (Muslim only)
writing benefit In the event the person covered
survives until the end of the contract 2.5% of total account value (net)
Reimbursement for the cost of service term, the total account value after will be payable upon surrender or
starting from 6th contract year. payout of zakat benefit (if any) will maturity of the contract, if the
Up to 0.5% of the initial basic sum be payable. total account value upon
surrender or maturity is equal to
covered (at the point of contract
or exceeds nisab*.
inception) or RM10,000 per contract,
*Nisab means the minimum amount which will be used
whichever is lower. to determine the obligation to pay zakat
BENEFITS PAYOUT TO FAMILY
Higher of the basic sum covered or total

account value will be payable due to
Up to 200%
death*/TPD. of the basic sum covered will be payable upon
accidental death/ TPD of the person covered.
*A gift of love without going
through faraid system
(if you opt for Conditional Hibah).
No.1 Cash Distribution Tool
Wealth Liberation Tool
Deferred Cash Tool
Concept 1: Cash Distribution Tool
The 4Ds Concerns (For Takaful)
Debts Distribution
Delay Dispute
Reality of Life
this training content with any third party, without a written consent of SLM Academy
135
Islamic Financial Services Act (IFSA) 2013

Schedule 10 Paragraph 3 (Effect of nomination)
(2) A nomination by a takaful participant pursuant to
subparagraph 2(1) for a nominee to be a beneficiary
under a conditional hibah, shall, notwithstanding any
written law, have the effect of transferring ownership,
and shall transfer ownership, of the takaful benefits
payable to the nominee upon the death of the takaful
participant and such takaful benefits so transferred shall
not form part of the estate of the deceased takaful
participant or be subject to his debts.
Target group:
• Young family with child or
having child that still
dependent on parents
• 30 to 50 years old
Case Study
Target group: 30 – 50 years old

Gender: Female
Sum covered: RM1,000,000
Rider: Prime CI Waiver-i
Contribution: RM 7,368 yearly
Contribution term: Full term
Contract term: Age 80
Fund selection: 100% Sun Life Malaysia Islamic Strategic Aggressive Fund
Person covered: Contribution = RM7,368 yearly
Female - 30 years old Contribution term = Full term
Contract term = Up to age 80
Sum covered = RM1 ,000,000
80
Person covered: 40 years old Death / TPD Benefit*:
RM1,000,000 or total account value
whichever is higher
+
Person covered Immediate claim
Death / TPD Benefit due to
diagnosed with payout with
accident**
Critical Illness RM1,000,000 Conditional Hibah
+
Prime CI Waiver-i will waives all future Death / TPD Benefit due to accident while in public
contributions until the last conveyance, elevator or burning public building**
contribution due date of the basic plan RM1,000,000
which is person covered's age 80
Note:
*The maximum aggregate amount of the TPD benefit payable per person covered under this and all other individual and group contract or
certificates issued by the operator shall not exceed RM8,000,000.
**The maximum aggregate amountthis of training
the accidental death/TPD
content with benefits
any third party, payable
without per
a written person
consent covered
of SLM Academyunder this and all other individual and group
139 contract or certificates issued by the operator shall not exceed RM4,000,000.
Contribution: RM 7,368 x 20 years = RM 147,360

Sum covered = RM 1,000,000
Sum covered
6.7x from total
contribution paid
Note:
Partial withdrawal For
will reduce
Internal the
use only/ sum
SLM covered.
Academy Consent
Proprietary. from client
It is strictly forbidden to shareon
any the
part ofreduction of basic sum covered
upon partial withdrawal is required.
Concept 2: Wealth Liberation Tool
Cash Liberates
savings your
3 Million wealth
Wealth Diversify
Liberation 1 Million
Legacy
3 Million
(Sum
covered)
RM2 million RM1 million

RM3 million Wealth RM3 million diversify
Liberation for SC RM3 mil
Sum covered (SC) Sum covered (SC)

RM1.5 million RM1.5 million RM1.5 million RM1.5 million
 Saving hard  Planning smart

 Might not enjoy his hard earned wealth  Enjoy his retirement to the fullest
 Plan to distribute equally to the  Plan his wealth liberation with
posterity Family Takaful 142
Target group:
• Grown up children,
semi dependent on parent
• 50 to 60 years old
Sales pitch:
You are retired or going to retire soon. Assuming you have RM3mil savings from your
hard-earned money. I can help you to free up your wealth and still ensure that you have
sufficient fund to enjoy your life. Just transfer RM1 mil (1/3) to create a RM3 mil coverage.
You can spend your savings (2/3), and still leave a legacy for your family when you are no
longer around. (Refer slide 23)
Case Study
Target group: 50 – 60 years old

Gender: Male
Sum covered: RM 3,000,000
Contribution RM 110,160 yearly
Contribution term: 10 years
Contribution = RM110,160 yearly
Person covered - Male:
Contribution term = 10 years
50 years old
Total 10 years contribution = RM1,101,600
Sum Covered = RM3,000,000
Age 60
80
Death / TPD Benefit*
RM3,000,000 or total account value
whichever is higher
+
Death / TPD Benefit Immediate claim
due to accident**
RM3,000,000 payout with
Conditional Hibah
+
Death / TPD Benefit due to accident while in
public conveyance, elevator or burning
public building**
RM1,000,000
Note:
*The maximum aggregate amount of the TPD benefit payable per person covered under this and all other individual and group contract or
certificates issued by the operator shall not exceed RM8,000,000.
145 **The maximum aggregate amountthis of the accidental
training death/TPD
content with benefits
any third party, payable
without perconsent
a written personof covered under this and all other individual and group
SLM Academy
contract or certificates issued by the operator shall not exceed RM4,000,000.
Sum Covered
Contribution: RM 110,160 x 10 years = RM 1,101,600 2.7x from total
Sum covered = RM 3,000,000 contribution
paid
Note:
Partial withdrawal For
will reduce
Internal the
use only/ sum
SLM covered.
Academy Consent
Proprietary. from client
It is strictly forbidden to shareon
any the
part ofreduction of basic sum covered
146 upon partial withdrawal is required.
Concept 3: Deferred Cash Tool
Emergency Age
Fund 20
Delayed
Age
Cash Legacy Protection
Plan 70
Delayed
Cash
Note:
Partial withdrawal will reduce theusesum
For Internal only/ covered.
SLM Academy Consent
Proprietary. Itfrom
is strictlyclient onto the
forbidden share reduction
any part of of basic sum covered upon
147 partial withdrawal is required.
Target group:
• 60+ years old
• Hard to sign up takaful for themselves
• Sign up for their children
• 3 generation concept
Note:
Partial withdrawal will reduce the sum covered. Consent from client on the reduction of basic sum covered upon
partial withdrawal is required.
Sales pitch:
Father (as payor) signs up a takaful plan for his children. Help his children create and build a
fund (cash value – deferred). His children can access the fund anytime (as emergency fund)
or leave a legacy for his grandchildren if anything happen to his children in the future.
Case Study
Target group: 60++ years old (payor)

Person covered: 20 years old (child)
Gender: Male
Sum covered: RM500,000
Contribution: RM 15,360 yearly
Contribution term: 5 years
Person covered: Contribution = RM15,360 yearly
Male - 20 years old Contribution term = 5 years
Total 5 years contribution = RM76,800
Age 25 Sum covered = RM500,000
70
Death / TPD Benefit*:
RM500,000 or total account value
Cash Value whichever is higher Total maturity at
RM 72,699*** + age 70:
Death / TPD Benefit RM135,460***
due to accident**:
RM500,000
+ Immediate claim
Death / TPD Benefit due to accident while in payout with
public conveyance, elevator or burning Conditional Hibah
public building**
RM500,000
Note:
*The maximum aggregate amount of the TPD benefit payable per person covered under this and all other individual and group
contract or certificates issued by the operator shall not exceed RM8,000,000.
**The maximum aggregate amount of the accidental death/TPD benefits payable per person covered under this and all other
individual and group contract this training content with any third party, without a written consent of SLM Academy150
or certificates issued by the operator shall not exceed RM4,000,000. 150
150 ***Total cash value and maturity amount based on product illustration scenario Y (high scenario)
Sum Covered
6.5x from total
Contribution: RM 15,360 x 5 years = RM 76,800
contribution
Cash value @ year 5 = RM 72,699*
paid
Sum covered = RM 500,000
Cash Value @
year 5
RM 72,699*
Note:
Partial withdrawal will reduce the sum covered. Consent from client on the reduction of basic sum covered
upon partial withdrawalForis Internal
required.
use only/ SLM Academy Proprietary. It is strictly forbidden to share any part of
151 this training content with any third party, without a written consent of SLM Academy151
*Total cash value based on product illustration scenario Y (high scenario)
Key Features
FLEXIBLE
CONTRIBUTION, DEATH AND
ACCIDENTAL DEATH / TPD OPTIONAL
SUM COVERED TOTAL AND PERMANENT
BENEFIT WAIVER OF CONTRIBUTIONS
AND DISABILITY (TPD)
COVERAGE TERM (WOC) RIDERS
WASIAT/ WILL
MATURITY
WRITING BENEFIT ZAKAT BENEFIT
BENEFIT
(Muslim only)
Product Features
Limited/Regular-pay backend load investment-linked takaful (ILP) plan with

Product type
surplus sharing
Coverage term Up to age 99
Expiry term Contract term*

Up to age 70 70 – person covered’s entry age
Contract term Up to age 80 80 – person covered’s entry age
*Note:
1. Minimum contract term for 5 years / 10 years / full contribution payment term is 20 years.
2. Minimum contract term for 20 years contribution payment term is 30 years.
18 years old – 60 years old (Person Covered)

Entry age limit
18 years old – No limit (Contract Holder)
Contribution paying term 5, 10, 20 or full contribution payment throughout the contract term
• Death and TPD
• Accidental death/TPD benefit
• Accidental death/TPD while in public conveyance, elevator or burning
public building benefit
Plan benefits
• Wasiat/will writing benefit
• Zakat benefit (applicable to Muslim only)
• Maturity benefit
• Optional Waiver of Contributions (WOC) Riders
154
Product Features
Minimum contribution RM1,800 p.a (RM150 monthly)
Sum covered Minimum: RM500,000

Maximum: No limit, subject to underwriting
Underwriting requirement Full underwriting
Commission Subject to contribution term
Final benefit (maturity) Total account value less zakat payout benefit (if any)
Account type 2 investment accounts: Investment Account 1 & Investment Account 2
Takaful contribution Top-ups contribution

Contribution allocation
Contribution 100% allocation into 100% allocation into
allocation Investment Account 1 Investment Account 2
• Sun Life Malaysia Islamic Strategic Conservative Fund

• Sun Life Malaysia Islamic Strategic Balanced Fund
• Sun Life Malaysia Islamic Strategic Aggressive Fund
• Sun Life Malaysia Islamic Asia Pacific Equity Fund
ILP funds
• Sun Life Malaysia Islamic Bond Fund*
• Sun Life Malaysia Islamic World Equity Fund*
155 * These 2 funds are not available for Principal agents at new business stage.
1. Flexible contribution, sum covered and contract term
Contribution Years
Full
5 10 20 term
Sum covered
Minimum RM 500,000
Maximum No limit, subject to underwriting
Contract term
Expiry term Contract term*
*Note:
1. Minimum contract term for 5 years / 10 years / full contribution payment term is 20 years.
2. Minimum contract term for 20 years contribution payment term is 30 years.
Customer can now customize their own plan

2. Death and Total and Permanent Disability
 Due to all causes
1. The higher of the sum covered for Death / TPD* or the DEATH AND
total account value will be payable, subject to the TOTAL AND PERMANENT
deduction of any indebtedness. DISABILITY (TPD)
Up to 200%
 Due to accidental causes
2. Accidental Death /TPD

Additional 100% of the sum covered for Death / TPD* will be payable.
3. Accidental Death /TPD while in public conveyance, elevator or burning public building
Additional 100% of the sum covered for Death / TPD*(on top of the Death /TPD
benefit payable under item 1 and 2).
*TPD and accidental death/TPD coverage will be provided until the contract monthly
anniversary immediately following the 70th birthday of the person covered.
3) Male age 40 as at 01/01/2035:
Basic sum covered = RM3,000,000

Total account value as at 01/01/2035 = RM1,600,000
If the accidental death while in elevator occurs on 01/01/2035, the amount of benefit
payable is as below:
(a) Death due to all causes = The higher of (basic sum covered or
total account value)
= The higher of (RM3,000,000 or
RM1,600,000)
= RM3,000,000
(b) Accidental death = 1X of the basic sum covered

= RM3,000,000
(c) Accidental death while in public = 1X of the basic sum covered*

conveyance, elevator or burning public = RM1,000,000
building
Total amount payable = (a) + (b) + (c)
= RM3,000,000 + RM3,000,000 +
RM1,000,000
= RM7,000,000
*The maximum aggregate amount of the accidental death/TPD benefits payable per
person covered under this and all other individual and group contract or certificates
issued by the operator shall not exceed RM4,000,000.
3. Optional Riders
Prime CI Waiver-i (PCIW-i)
This rider waives all future contributions

(i.e. basic contribution and scheduled
top-up contribution) until the last
contribution due date of the basic plan
in the event the person covered is
diagnosed with any one of the covered
36 critical illnesses.
Note:
1. Prime CI Waiver-i will be terminated when there is a claim being
admitted under Prime Payor Waiver-i that attached to the contract.
2. Rider is allowed to be attached to the basic contract during contract
inception and on the next contract anniversary date.
161
PCIW-i
ELIGIBILITY

Minimum Maximum
CONTRACT TERM
Basic plan’s contribution
Rider term
term
PCIW-i
CONTRIBUTION PAYING TERM
Follow 5, 10, 20 or full contribution payment

basic plan throughout the contract term
RIDER SUM COVERED

Sum Total contributions=
Covered Basic contribution + Schedule top-up (if any)
163
Scenario 1:
Full term contribution payment
*Contract term up to age 80

years old*
Prime CI Waiver-i waives all future contributions

until the last contribution due date of the basic plan which is
at the person covered's age 80
Person covered Note: Prime CI Waiver-i will be terminated when there is

diagnosed with a claim being admitted under Prime Payor Waiver-i that
critical illness attached to the contract
164
Scenario 2:
10 years term contribution payment

80
years old*
0 5 10
10 years term
contribution
payment Prime CI Waiver-i waives all future contributions
until the last contribution due date of the basic plan which is
Person covered: at the person covered's age 40
35 years old
Note: Prime CI Waiver-i will be terminated when there is

Person covered diagnosed a claim being admitted under Prime Payor Waiver-i that
165 with critical illness attached to the contract
Scenario 3:
20 years term contribution payment

80
years old*
0 10 20
20 years term
contribution
payment Prime CI Waiver-i waives all future contributions
Person covered: until the last contribution due date of the basic plan
40 years old which is at the person covered's age 50
Note: Prime CI Waiver-i will be terminated when there is

Person covered diagnosed a claim being admitted under Prime Payor Waiver-i that
with critical illness attached to the contract
166
3. Optional Riders
Prime Payor Waiver-i (PPW-i)

This rider waives all future contributions
(i.e. basic contribution and scheduled top-up
contribution) until the last contribution due
date of the basic plan in the event the
contract holder dies, suffers total and
permanent disability or upon diagnosis of any
one of the covered 36 critical illnesses.
Note:
1. Prime Payor Waiver-i will be terminated when there is a claim being admitted under Prime CI Waiver-i
that attached to the contract.
2. This rider only attachable to basic plan’s contribution term of 5 years, 10 years or full contribution
payment throughout the contract term (not applicable to basic plan’s contribution term of 20 years).
3. Rider is allowed to be attached to the basic contract during contract inception and on the next contract
anniversary date.
PPW-i
ELIGIBILITY
Minimum Maximum
CONTRACT TERM
Basic plan’s contribution term or
Rider term 70 – Contract holder’s entry age,
whichever is lower.
PPW-i
CONTRIBUTION PAYING TERM

Term
70 – Contract holder’s entry age, whichever is lower.
RIDER SUM COVERED
Total contributions=
Sum
Basic contribution + Scheduled top-up
Covered
(if any)
Scenario 1:
Full term contribution payment
Rider
70 – Contract holder’s entry age, whichever
term is lower.
(up to contract holder’s age 70) *Contract term up to age 80

Contract holder: 35 years old years old*

Prime Payor Waiver-i will waives all future contributions

until the last contribution due date of the basic plan
which is person covered's age 80
Contract holder TPD

due to accident Note: Prime Payor Waiver-i will be terminated when
there is a claim being admitted under Prime CI
170 Waiver-i that attached to the contract.
Scenario 2:
10 years term contribution payment Basic plan’s contribution term or
Rider
term is lower.
Contract holder: 35 years old 80
years old*
0 5 10
10 years term Prime Payor Waiver-i will waives all future contributions
contribution until the last contribution due date of the basic plan
payment which is person covered's age 40
Note: Prime Payor Waiver-i will be terminated
when there is a claim being admitted under
Prime CI Waiver-i that attached to the contract.
Contract holder TPD
171 due to accident
Scenario 3:
Full term contribution payment Basic plan’s contribution term or
Rider
term is lower.
Rider term = 35 years *Contract term up to age 80


Contract holder: 35 years old years old*

Person covered
continues
contributions
Note: Prime Payor Waiver-i will be terminated
when there is a claim being admitted under Contract holder TPD
Prime CI Waiver-i that attached to the contract. due to accident
172
List of 36 Critical Illnesses
Note: Critical illness definition is as per MTA definition
1ST LISTING 2ND LISTING

1 Alzheimer’s Disease/Severe 19 Loss of Independent Existence
Dementia 20 Loss of Speech
2 Bacterial Meningitis 21 Third Degree Burns
3 Benign Brain Tumor 22 Major Head Trauma
4 Blindness – Permanent and 23 Major Organ/Bone Marrow
Irreversible Transplant
5 Brain Surgery 24 Medullary Cystic Disease
6 Cancer 25 Motor Neuron Disease
7 Chronic Aplastic Anemia 26 Multiple Sclerosis
8 Coma 27 Muscular Dystrophy
9 Coronary Artery By-Pass Surgery 28 Serious Coronary Artery Disease
10 Deafness – Permanent and 29 Paralysis of Limbs
Irreversible 30 Parkinson’s Disease
11 Encephalitis 31 Primary Pulmonary Arterial
12 Kidney Failure Hypertension
13 End-Stage Liver Failure 32 Cardiomyopathy
14 End-Stage Lung Disease 33 Stroke
15 Fulminant Viral Hepatitis 34 Surgery to Aorta
16 Heart Attack 35 Systemic Lupus Erythematosus
17 Heart Valve Surgery with Severe Kidney Complications
18 HIV Infection due to Blood 36 Terminal Illness
173 Transfusion
4. Wasiat/Will Writing Benefit
1. While the contract is in force, the person covered may engage with any wasiat/will
writing service provider and we will reimburse for the cost of the service starting from
6th contract year, from the operator’s fund in the form of hibah (gift), provided all
contributions due for the first 5 contract year are paid.
2. The cost of any wasiat/will writing which is written prior to the contract
commencement date shall not be eligible for reimbursement.
3. The person covered can submit multiple claims at any time, up to:
 0.5% of the initial basic sum covered (at the point of contract inception) or
 RM10,000 per contract, whichever is lower.
Note: The maximum amount payable during the first 10 contract

year is capped at RM5,000.
4. Wasiat/Will Writing Benefit
Note: The maximum amount payable during the first 10 contract

year is capped at RM5,000.
5. Maturity Benefit
In the event the person covered survives until the end of the contract term,
the total account value after payout of zakat benefit (if any) will be payable.
6. Zakat Benefit (Muslim only)
 2.5% of the total account value less the deferred wakalah fee (if any) will be payable to
zakat body (Pusat Pungutan Zakat Majlis Agama Islam Wilayah Persekutuan Kuala Lumpur
and/or other zakat body that may be appointed by the operator in future) on behalf of the
person covered only if the total account value as at the valuation date immediately
following the date we receive the request for surrender or the end date of the contract is
equal to or exceeds Nisab* for that particular year of the payout.
 No zakat will be deducted if the total account value is less than Nisab. The type of zakat is
considered as saving zakat.
 The zakat payout is only applicable if any of the following occurs:
1. Surrender of the contract; or
2. Maturity of the contract.
 The zakat payout is not applicable for partial withdrawals.
*Nisab means the minimum amount which will be used to determine the obligation to pay zakat
Note:
The Nisab will vary year by year and Sun Life Malaysia Takaful Berhad is
required to check the prevailing Nisab through Pusat Pungutan Zakat Majlis
Agama Islam Wilayah Persekutuan Kuala Lumpur official website,
www.zakat.com.my before proceeding with the payout. 177
Top up Features
Top-Up contribution
The contract holder may choose to make top-up contributions at the contract
anniversary to maximise the value of the Account Value.
Scheduled top-up contributions
Minimum: In the multiple of RM12 p.a and only applicable at new business (NB) stage.
Maximum: No limit, subject to Operator’s discretion
Single top-up contribution
Single top-up contribution is available and can be done anytime* while the contract
is in force.
Minimum: RM 500 per transaction (in multiple of RM 10)

* provided a top-up request form is submitted.

Underwriting requirements
UNDERWRITING Full underwriting based on the consolidated full underwriting takaful
GUIDELINES application form
UNDERWRITING Underwriting decision can be to:
• accept at standard rates;
CONSIDERATIONS • accept with loading on the tabarru’ for sub-standard lives;
• accept with exclusions imposed;
• decline; or
• postpone.
FINANCIAL The limit will be an aggregation of all in-force and pending cases (all plans), including current application.
UNDERWRITING For person covered

Total relevant sum covered (TRSC) calculation for underwriting purpose:
= Basic plan sum covered + [0.5 x contribution payment term x annualised (basic contribution + scheduled top-
up contribution) for Prime CI Waiver-i] (if any)
For contract holder

= 0.5 x contribution payment term x annualised (basic contribution + scheduled top-up contribution) for Prime
Payor Waiver-i (if any)
MEDICAL Underwriting for the person covered will follow the schedule of underwriting limit.
UNDERWRITING For person covered

= Basic plan sum covered + [0.5 x contribution payment term x annualised (basic contribution + scheduled top-
up contribution) for Prime CI Waiver-i] (if any)
For contract holder

= 0.5 x contribution payment term x annualised (basic contribution + scheduled top-up contribution) for Prime
Payor Waiver-i (if any)
180
Fees and Charges
Monthly wakalah fee
• A percentage of the value of investment account 1 will be deducted from investment account 1
through cancellation of units on the contract commencement date and each monthly
anniversary including the contribution break period.
• The monthly wakalah fee will be deducted first before any deduction of tabarru’ and other fees.
• The monthly wakalah fee is not subject to Sales and Service Tax (SST).
• The monthly wakalah fee rate is as follows:
Monthly wakalah fee
Contract (% of the value investment account 1 per month)
Year Contribution term
5 years 10 years 20 years Full term
1 0.58% 0.58% 1.170% 1.50%
2 0.50% 0.50% 1.170% 1.50%
3 0.42% 0.42% 1.080% 1.42%
4 0.33% 0.33% 1.000% 1.33%
5 0.25% 0.33% 1.000% 1.25%
6 - 0.25% 0.830% 1.08%
7 - 0.25% 0.670% 0.92%
8 - 0.17% 0.580% 0.75%
9 - 0.17% 0.420% 0.58%
10 - 0.08% 0.250% 0.42%
11 and - - - 181-
181
above
Fees and Charges
For payment frequencies other than monthly mode, a discount on the monthly
wakalah fee shall be applicable as long as the contract is not on contribution break,
as follows:
Discount on monthly wakalah fee

Payment frequency (% of monthly wakalah fee)
Monthly 0%
Quarterly 5%
Half-yearly 10%
Yearly 20%
Fee and Charges
Deferred wakalah fee
• Deferred wakalah fee is applicable for partial withdrawals and full surrender.
• The deferred wakalah fee is not subject to SST.
• The deferred wakalah fee rate is as follows:
Deferred wakalah fee

(% of the value of withdrawal amount)
Contract Withdrawal from investment account 1
Year Contribution term Withdrawal from
investment account 2
5 years 10 years 20 years Full term
1 25% 40% 60% 65%
2 18% 30% 60% 65%
3 12% 25% 60% 65% 5%
4 7% 20% 57% 60%
5 3% 15% 45% 55% (*The maximum
6 - 11% 33% 40% deferred wakalah fee
7 - 8% 23% 30% charged will be capped
8 - 5% 15% 20% at 5% of total top-up
9 - 3% 8% 12% contributions and rider
10 - 1% 3% 5% contributions paid)
11 and - - - -
above
183
Fees and charges
Fund Management Fee (FMF)
• The FMF varies based on the choice of funds:
Fund management fee

Fund (% per annum on Net Asset
Value of Investment Account 1
and Investment Account 2)
Sun Life Malaysia Islamic Strategic Conservative Fund 1.20% p.a.
Sun Life Malaysia Islamic Strategic Balanced Fund 1.50% p.a.
Sun Life Malaysia Islamic Strategic Aggressive Fund 1.80% p.a.
Sun Life Malaysia Islamic Asia Pacific Equity Fund 1.80% p.a.
Sun Life Malaysia Islamic World Equity Fund* 1.75% p.a.
Sun Life Malaysia Islamic Bond Fund* 1.00% p.a.
• The FMF is not guaranteed and may be subject to change.

• The FMF is not subject to SST.
Fees and charges
• An administration fee of RM 5.00 per contract per month will be deducted

from Investment Account 1 through cancellation of units in each fund at
the proportion according to the value of Investment Account 1.
• If the value of Investment Account 1 is insufficient to cover the
Administration
administration fee, the outstanding administration fee amount will be
fee
deducted from Investment Account 2 instead.
• The amount charged is applicable to all contribution payment modes.
• Administration fees are not chargeable between lapses date to any
reinstatement date of this contract.
 The current switching fee is free. However, Sun Life Malaysia reserves the
Switching fee right to remove the free switches and/or revise the switching fee from
time to time by giving at least 90 days’ notice to you.
Fees and charges
Tabarru’ shall vary (where applicable) according to the following:
 Attained age of the person covered, whereby the change in rate shall be effective at the
contract monthly anniversary following the person covered’s birthday;
 Gender of the person covered;
 Smoker status of the person covered;
 Sum at risk*;
 Benefit;
 Occupational class; and
 Underwriting classification.
* The sum-at-risk is calculated as below:
Sum at risk =Max (Basic sum covered - total account value, 0)
Tabarru’ fee  The tabarru’ of the basic contract including optional riders (if any) shall be due on the contract
commencement date and on every monthly anniversary thereafter.
 For optional riders (if any), a different set of tabarru' will be deducted in the same manner as the
tabarru’ for the basic benefits.
 The tabarru’ shall be deducted through cancellation of units in investment account 1. If the value
of investment account 1 is insufficient to cover the monthly tabarru’, the outstanding monthly
tabarru’ amount will be deducted from investment account 2 instead.
 Monthly tabarru’ will be calculated separately for death benefit and TPD benefit.
 Monthly tabarru’ = [(annual tabarru’ rate at age X * 0.0833 * sum at risk] / 1,000
 The 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 next contract anniversary.
 Tabarru’ will not be charged between the lapsed date and any reinstatement date of the contract.
 In the event that the total account value is exhausted and is insufficient to deduct tabarru’, the
contract would cease.
186
Fees and charges
• Rider wakalah fees are imposed for the services provided to

manage the riders, claims and expenses under the participants'
Rider wakalah
tabarru' fund.
fees
• Rider wakalah fees equal to 40% of the monthly rider’s tabarru' will
be paid into the operator’s fund.
FMF and other fund level fees may be revised by giving the contract
Other fees
holder at least 90 days’ written notice prior to the effective date.
Contract options
Contribution Break
i. 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
Investment Account 1 or Investment Account 2 to pay for tabarru’. Tabarru’ will
continue to be deducted during the contribution break period.
ii. In the event the total account value is not sufficient to pay for one more month of
tabarru’, the contract shall provide coverage up to the next monthly anniversary before
it lapses.
iii. During the contribution break period:
 commissions are not paid until contribution due is paid to the Operator.
 any single top-up contribution is not allowed.
 the discount on monthly wakalah fee will be not be applicable.
iv. When the contract holder resumes contribution payment:
 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.
 The commission scale will continue from where it has stopped prior to the
contribution break.
Contract options
•
Contract holder may opt to surrender the contract by making a notification
request for full withdrawal of the investment made for the contract.
Surrender/ full • The total account value, which is calculated with reference to the value of
withdrawal units withdrawn at the price on the valuation date immediately following
the receipt of request to surrender, less any deferred wakalah fee and/or
Zakat, will be payable and the contract will then be terminated.
• Fund switching could be done in full or partially. Switching is on the units
already allocated in the relevant funds for units in other funds offered
under this plan.
• Contract holder may opt to switch at any time as long as the basic contract
is in-force and will be subject to switching fee (if applicable).
Fund
• Contract holder may opt to switch funds either for Investment Account 1
switching or Investment Account 2 or both. However, fund switching from
Investment Account 1 to Investment Account 2 is not allowed, vice versa.
• There is no minimum holding amount required in each fund after
switching. The minimum switch amount is the lower of RM 1,000 or the
NAV of the fund.
Contract options
• Contract holder may opt for partial withdrawal at any time as long as the basic
contract is in-force.
• Contract holder would specify the withdrawal amount (RM) and the proportion
(in % or RM) of the withdrawal amount to be withdrawn from Investment
Account 1 or Investment Account 2.
Note: Agent should advise the client to withdraw from the Investment
Account with lower deferred wakalah fee first.
Partial • The partial withdrawal amount is subject to deferred wakalah fee, if any.
withdrawal • Upon partial withdrawal from investment account 1 and/or investment account
2, the basic sum covered will be reduced proportionate by the % of withdrawal
amount against to total sum of investment account value 1 and investment
account value 2.
Note: Consent from client on the reduction of basic sum covered upon partial
withdrawal is required.
• The minimum withdrawal amount is RM 500 per transaction.
• The minimum holding amount after withdrawal is RM 1,000 per contract.
Contract options
• Increase/reduction in sum covered/benefit amount for basic plan is not

allowed at any time.
Financial
• Increase/reduction of takaful contribution and/or scheduled top-up
alterations
contribution (if any) is not allowed at any time.
(subject to system
• Addition/cancellation of scheduled top-up contribution (if any) is not
and operational
allowed at any time.
readiness)
• Addition of rider is allowed on the next contract anniversary date.
However, cancellation of rider is allowed at any time.
• Upon the distribution of surplus (if any), investment profit (if any) and/or
the maturity of contract (if any), any amount payable which is equal to
Others or less than RM10 per contract holder on each financial year will be
(RM10 threshold) credited to contract holder’s latest bank account in our records. If no
bank account information is provided, the amount will be donated to
charitable organisations as approved by our Shariah committee.
Commissions
Pre-Balanced Score Card (BSC) structure*
Basic Commission
(a) Basic contribution:

Contribution
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Total
Term
20 years /
25.00 25.00 15.00 15.00 15.00 15.00 110.00
Full term
10 Years 12.50 12.50 7.50 7.50 7.50 7.50 55.00
5 Years 7.00 7.00 4.50 4.50 4.50 - 27.50
(b) Rider contribution, scheduled top-up contribution and single top-up

contribution: 2.75%
*Details of BSC structure will be shared in BSC training session.
Commissions
Overriding Commission
(a) Basic contribution:

I. Direct Overriding Rate (%)
Contribution Term Year 1 Year 2 Year 3 Year 4 Total

20 years / Full Term 11.00 11.00 6.00 6.00 34.00
10 Years 5.50 5.50 3.00 3.00 17.00
5 Years 2.93 2.93 1.35 1.35 8.56
II. Indirect Overriding Rate (%)

Contribution Term Year 1 Year 2 Year 3 Year 4 Total
20 years / Full Term 4.00 4.00 4.00 4.00 16.00
10 2.00 2.00 2.00 2.00 8.00
5 1.07 1.07 0.90 0.90 3.94
(b) Rider contribution, scheduled top-up contribution and single top-up contribution:
I. Direct Overriding: 0.70%
II. Indirect Overriding: 0.30%
Production Bonus & Persistency Bonus

Not applicable
194
Exclusions
Death benefit
The death benefit will not be payable if the person covered commits suicide (while sane or insane at the time) within 12
Sun Prime Link-i

months from the contract commencement date or last reinstatement date, whichever is later. In this case, the contract will be
terminated and the total account value as at the valuation date immediately following the date of death, will be payable.
one of the following occurrences:
i.
(Riders)
For accidental death, no additional accidental benefit shall be paid if it is caused directly or indirectly, wholly or partly, by any
Acquired Immune Deficiency Syndrome (AIDS), AIDS related complications, infection by Human Immunodeficiency Virus
(HIV) in the person covered;
ii. Active duty in any navy, army, air force, military, fire service, civil defence, 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 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;
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. Wilful or negligent exposure to unnecessary risks or perils.
Exclusions
TPD benefit
No benefit shall be payable if the total and permanent disability of the person covered results from the following:
i.
ii.
whichever is later; Sun Prime Link-i
A pre-existing condition within the first 12 months of the contract commencement date or last reinstatement date,
Acquired Immuno-deficiency Syndrome (AIDS), AIDS related complications, or infection of the person covered by
iii.
iv.
v.
Human Immunodeficiency Virus (HIV);
(Riders)
Active duty in any navy, army, air force, military, fire service, civil defense, police or law enforcement organisation;
Being under the influence of drugs or any narcotic or due to intoxication by liquor and/or illicit substance;
Criminal act, involvement in a breach of law (unless as an innocent party) or membership of an illegal organisation;
vi. Entering, operating or servicing, ascending or descending from or with any aerial device or conveyance except while
the person covered is in an aircraft operating by a commercial passenger airline on a regular schedule passenger trip
over its established passenger route;
vii. 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;
viii. Self-inflicted injuries or suicide, while sane or insane; or
ix. 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.
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.
197
Financial Underwriting
Financial underwriting requirements are based on the total sum covered at risk of all
pending and in-force policies/contracts.
Applicable for Non-Corporate Application (Individual as contract holder)

AGGREGATE SUM COVERED FINANCIAL REQUIREMENTS
<= RM 2,000,000 NIL
RM 2,000,001 to RM 4,000,000 Financial Questionnaire
> RM 4,000,000 Financial Questionnaire
Income Tax Statement/ EA Form for past 2 years/ Borang E
Company Audited Reports and accounts for past 2 years.
Applicable for Corporate Application (Corporate as contract holder)

<= RM 4,000,000 Financial Questionnaire by person covered (LAQ) or Keyman
Questionnaire (whichever applicable)
> RM 4,000,000 Financial Questionnaire by person covered (LAQ) or Keyman
Questionnaire (whichever applicable)
Proof of Salary for past 2 years*
Audited Reports & Accounts of Company over the last 2 years
*Proof of salary refers to salary slip for last 2 months/ EA Form for last 1 year/ B form or BE form with
199
acknowledgement by Inland Revenue Board of Malaysia.
Medical Underwriting for Sun Legacy-i
Medical underwriting requirements are based on the total relevant sum covered
(TRSC) of all pending and in-force contracts that taken up in the past 12 months.
Medical Underwriting
TPD Definition (any occupation)
1. If the person covered is below the age of 18 years, TPD is defined as a

state of permanent incapacity in which the person covered is confined
to a home, hospital or other institution, requiring constant care and
medical attention for at least 6 consecutive months.
2. If the person covered is employed between the ages of 18 and 65,

working for money or operating their own business, they would be
considered totally and permanently disabled if they are totally and
permanently unable to do any work, occupation or profession to earn
any wages, compensation or profit. The disability must last for at least
6 consecutive months from the date of diagnosis.
3. If at the time of suffering the disability, the person covered between the ages of
18 and 65 is not in paid work or operating their own business or is a housewife or if
the person covered is between the ages of 66 and 70, we consider total and
permanent disability to be the inability to carry out at least 3 out of 6 activities of
daily living (as stated below) without the help of another person. The disability
must last for at least 6 consecutive months from the date of diagnosis.
i. Transfer – Getting in and out of a chair without requiring physical assistance;

ii. Mobility – The ability to move from room to room without requiring any physical
assistance;
iii. Continence – The ability to voluntarily control bowel and bladder functions such as to
maintain personal hygiene;
iv. Dressing – Putting on and taking off all necessary items of clothing without requiring
assistance of another person;
v. Bathing/Washing – The ability to wash in the bath or shower (including getting in or
out of the bath or shower) or wash by any other means; or
vi. Eating – All tasks of getting food into the body once it has been prepared
4. The occurrence of any of the following will also be considered as TPD:
i. Total and permanent loss of sight of both eyes;

ii. Loss of 2 limbs at or above wrist or ankle;
iii. Total and permanent loss of sight of 1 eye and loss of 1 limb at
or above wrist or ankle; or
iv. Permanent total paralysis.
2 of our medical examiners must be satisfied that the person covered’s

disability meets the definition of TPD.
Sun Infinity -i
Securing your financial future
Agenda
Introduction
Takaful Concept
Marketing Proposition
Marketing Concept
Product Features
Commissions
Appendix
206
Introducing
Sun Infinity-i
A Limited-pay Universal Takaful Plan
“Sun Infinity-i provides increasing annual cash pay out so that you
can enjoy a steady flow of income to meet your financial needs”
207
208
 Takaful is an Arabic word

literally means
“guaranteeing each other ”
or “joint guarantee ”.
 Takaful is a mutual
brotherhood and
cooperation.
209
Takaful Concept
 The concept of Tabarru’ is the main

underlying principles in the Takaful system
making it free from uncertainty and
gambling elements.
 Tabarru’’ means “ donation ; gift ”
 Each participants agrees to contribute on

the basis of Tabarru” (donation) into a pool
of fund, which will be used to assist each
other in times of need.
210
Takaful Model
Contract holder
Wakalah fee
All Contributions
Contributions minus wakalah fee

Profit sharing of 20% on
investment profit
Operator’s Fund Universal

Account
50% of the
declared surplus Tabarru’ drip
Participants’
Tabarru’ Fund
Repayment of Qard
Qard – Interest-free loan upon deficit

in Participants’ Tabarru’ Fund.
Payment of account
Payment of takaful benefits: value upon full
Management  Death / TPD benefit
withdrawal/surrender,
Expenses and  Compassion benefit
Commission death / TPD or maturity
and payment of ACP
211
Takaful Surplus
 Any distributable surplus arising from Participants’ Tabarru’ Fund

after Qard repayment (if any), will be distributed annually as follows:

- 50% to the universal account, if eligible.
 For in-force contracts, any distributable surplus

will be accumulated in the universal account.
However, any out-of-force contracts as at the
distribution date is subject to the donation
threshold of RM2 as set by the operator.
212
213
214
Marketing Proposition
Ultimate gift of life for YOU and your FAMILY
BENEFITS PAYOUT • Annual Cash Payout (ACP) benefit

DURING LIFETIME • Maturity benefit
BENEFITS PAYOUT
AFTER LIFE • Legacy planning through
Conditional Hibah
-TO FAMILY
BENEFITS PAYOUT
AFTER LIFE –
INVESTMENT • Waqf or Charity
AFTER LIFE
215
Ultimate gift of life for YOU and your FAMILY
O
Life After Life
BENEFITS PAYOUT BENEFITS PAYOUT

BENEFITS PAYOUT DURING LIFETIME – INVESTMENT
TO FAMILY
AFTERLIFE
Higher of up to 200% of total takaful

UP TO 40% Maturity contributions paid (less total ACP 5%
Annual Cash Benefit paid) or 105% Universal Account
A gift of love without Compassion
payout (ACP) In the event person going through Benefit –
benefit covered survives faraid system upon death
An increasing until the end of the (Conditional Hibah)
percentage of the contract term, the Additional 5% of
annualised takaful value of the total takaful
contribution is Universal Account contributions paid is
payable from the as at the maturity payable for either
date of the contract
Double waqf or charity
Universal Account, Additional 100% of total takaful purpose
starting from end will be payable. contributions paid due to accidental
of first contract death/ TPD of the person covered
year till maturity.
216
217
Marketing Concept
Ultimate gift of life for

YOU and your FAMILY
DURING LIFETIME AFTER LIFE
1. Lifestyle maintenance & enrichment 1. Hibah

2. Retirement Planning 2. Waqf or charity
3. Education Planning
218
Marketing Concept
Case Study (Adult)
Concept 1: Lifestyle maintenance Concept 2: Retirement Planning

& enrichment
Person covered: 25 years old Person covered: 40 years old

Gender: Male Gender: Female
Contribution: RM 6,000 yearly Contribution: RM 30,000 yearly
Contribution term: 10 years Contribution term: 20 years
Contract term: 30 years Contract term: 30 years
219
Concept 1: Lifestyle Maintenance
& Enrichment Contribution term = 10 years
Contract term = 30 years
25 years old
Annual Cash Payout (ACP)* benefit starting from end of 1st contract year till maturity
ACP (10%) ACP (20%) ACP (30%)

end of year 1 – 10: end of year 11– 20 end of year 21– 30
RM600 x 10 = RM6,000 RM1,200 x 10= RM12,000 RM1,800 x 10= RM18,000
30
10 20
Total contribution: ACP can be used to fund for future Total
RM6,000 x 10 = lifestyle maintenance & enrichment maturity at
RM60,000
age 55:
RM100,179**
With limited pay options,
Total amount received
contribution secured until end
of term. (ACP + maturity value)
NO Hassle & NO worries RM36,000 + RM100,179 =
RM136,179
*Annual Cash Payout (ACP) is payable annually as a percentage of the annualised takaful
contribution (excluding top-up contributions) from the Universal Account, starting from the end of
first contract year till maturity, provided all contributions due are paid within the grace period.
** Total maturity amount based on product illustration scenario B (high scenario) 220
Concept 1: Break Even
End of Total Accumulated Surrender Value Total surrender

contract contribution annual cash (RM) value
year / age paid (RM) payout (ACP) (inclusive of
Non-guaranteed
(RM) accumulated
Scenario B ACP) (RM)
8 / 33 48,000 4,800 41, 359 46,159

9 / 34 54,000 5,400 48, 673 54,073
10 / 35 60,000 6,000 56, 377 62,377
11 / 36 60,000 7,200 61, 284 68,484
221
Concept 2: Retirement Planning Contribution term = 20 years
Person covered - Female:
40 years old
ACP (10%) ACP (20%) ACP (40%)

RM3,000 x 10 = RM30,000 RM6,000 x 10= RM60,000 RM12,000 x 10= RM120,000
30
10 20
ACP can be invested to other Cash value at Total
instruments for retirement funding age 60: maturity at
RM741,298** age 70:
Total contribution: RM30,000 x 20 =RM600,000 RM903,114**

With limited pay options, (ACP + maturity value)
contribution secured until end
of term.
RM210,000 + RM903,114 =
NO Hassle & NO worries RM1,113,114
** Cash value & total maturity amount based on product illustration scenario B (high scenario) 222
Concept 2: Break Even

End of Total Accumulated Surrender Value Total surrender value
contract contribution annual cash (RM) (inclusive of
year / age paid (RM) payout (ACP) accumulated ACP)
Non-guaranteed
(RM) (RM)
Scenario B
10 / 50 300,000 30,000 242,781 272,781

11 / 51 330,000 36,000 294,105 330,105
12 / 52 360,000 42,000 334,603 376,603
13 / 53 390,000 48,000 377,146 425,146
223
Marketing Concept
Case Study (Child)
Concept 3 (A): Education Planning Concept 3 (B): Education Planning
Person covered: 1 year old Person covered: 5 year old

Gender: Female Gender: Male
Contribution: RM 6,000 yearly Contribution: RM24,000 yearly
Contribution term: 10 years Contribution term: 5 years
Contract term: 20 years Contract term: 15 years
224
Concept 3 (A): Education Planning Contribution term = 10 years

Person covered - Female:

1 year old
ACP (10%) end of year 1 – 10: ACP (20%) end of year 11– 20
RM600 x 10 = RM6,000 RM1,200 x 10= RM12,000
20
10 18
ACP can be used to fund tuition fee and Cash value at Total
expenses during tertiary education age 18: maturity at
RM75,805** age 21:
Total contribution: RM6,000 x 10 = RM 60,000 RM84,844**

With limited pay options, (ACP + maturity value)
contribution secured until end RM18,000 + RM84,844=
of term.
NO Hassle & NO worries RM102,844
** Cash value & total maturity amount based on product illustration scenario B (high scenario) 225
Concept 3 (A): Break Even

contract contribution annual cash (inclusive of
year / age paid payout (ACP) Non-guaranteed accumulated ACP)
Scenario B
7/8 42,000 4,200 34,510 38,710

8/9 48,000 4,800 41,479 46,279
9 / 10 54,000 5,400 48,822 54,222
10 / 11 60,000 6,000 56,557 62,557
226
Concept 3 (B): Education Planning Contribution term = 5 years


5 years old
ACP (10%) end of year 1 – 10:

ACP (20%)
RM2,400 x 10 = RM24,000
end of year 11– 15
RM4,800 x 5= RM24,000
15
5 10 Age 18
Total contribution: Total
ACP can be used to fund Cash value at
RM24,000 x 5 = tuition fee and expenses maturity at
age 18:
RM120,000 during tertiary education age 20:
RM125,971**
RM129,880**
With limited pay options, Total amount received

contribution secured until end (ACP + maturity value)
of term.
NO Hassle & NO worries RM48,000 + RM129,880 =
RM177,880
** Total maturity amount based on product illustration scenario B (high scenario) 227
Concept 3 (B): Break Even

contract contribution annual cash (inclusive of
year / age paid payout (ACP) Non-guaranteed accumulated ACP)
Scenario B
5 / 10 120,000 12,000 93,323 105,323

6 / 11 120,000 14,400 106,772 121,172
7 / 12 120,000 16,800 110,021 126,821
8 / 13 120,000 19,200 113,445 132,645
228
Concept 4: Hibah
Up to 200% of total takaful
contributions paid
(less total ACP paid) or
105% of Universal Account
whichever is higher
Payable within
2 Weeks*
Hibah
(Out of estate and faraid)
Pay to intended person
*Subject to submission of complete documentations
229
Concept 5: Waqf or Charity

The Messenger of Allah S.W.T said
When a man DIES his deeds come to an end

Except for 3 things Sadaqah Jariyah, Knowledge
(which is beneficial) & Pious Child
(who prays for him).
(Bukhari & Muslim)
Sadaqah  Tabarru’
Jariyah  Waqf
(Continuous
Charity)
230
TARGET MARKET
Successful in
Financially
life &
strong and less
financially
liability
stable
Looking for Age 35 – 45 Age 46 – 55

savings & Planning to
Young
protection leave a legacy
entrepreneur & Businessman & to loved ones
professional pre-retirement
Personal income Personal income

To protect
> RM10,000 > RM20,000 Family is more
current
monthly monthly comfortable
lifestyle
and secure
231
232
Key Features
FLEXIBLE CONTRIBUTION INCREASING ANNUAL A LIMITED-PAY

and CASH PAYOUT Universal Takaful
COVERAGE TERM UP TO 40%!!!
DEATH and 5% MATURITY

TOTAL PERMENENT COMPASSION BENEFIT
DISABILITY BENEFIT
UP TO 200% or 105%
UNIVERSAL ACCOUNT
233
1. Flexible Contribution and Coverage Term

Years
5 10 20
LIMITED-PAY
Years
15 20 30
20 25
COVERAGE
25 30
Customer can now customize their own plan
234
2. Increasing Annual Cash Payout (ACP)

Annual Cash Payout
(as a percentage of the annualised takaful contribution)
End of contract
year 5 years contribution 10 Years 20 years contribution
payment term contribution payment payment term
term
1 - 10 10% 10% 10%
11 - 20 20% 20% 20%
21 - 30 20% 30% 40%
 The ACP* increases every 10 contract years starting

from the end of 11 contract year until maturity.
 ACP* amount is determined based on the INCREASING ANNUAL

percentage of the annualised takaful CASH PAYOUT
contribution UP TO 40%!!!
*ACP is payable from universal account, provided the contract is in force

and all contributions are paid within the grace period of each contribution due date. 235
2. Increasing Annual Cash Payout

i. Contribution 5 years, 15 years contract term
Up to
40%
End of contract year
10 11 15
1
10 % ACP 20 % ACP
ii. Contribution 5 years, 20 years contract term
End of contract year

1 10 11 20
10 % ACP 20 % ACP
*ACP is payable from universal account, provided the contract is in force

and all contributions are paid within the grace period of each contribution due date. 236
3. Death and Total Permanent Disability

Percentage of takaful
Entry age
contributions
0 - 45 200%
46 - 50 150% DEATH and
TOTAL PERMENENT
51 - 55 125% DISABILITY
56 – 65 110% UP TO 200% or 105%
UNIVERSAL ACCOUNT
 Due to all causes:
Up to 200% of the total takaful contribution paid** less total ACP paid, or
105% of the value of the universal account, which ever is higher will be payable
upon death and total permanent disability*** according to the entry age.
 Due to accidental causes:

An additional 100% of the total takaful contribution paid is payable.
**Total
takaful contributions do not include top-up contributions.
***TPDand accidental death/TPD coverage will be provided until the contract monthly
anniversary immediately following the 70th birthday of the person covered. 237
Death / TPD Benefit (Adult) Contribution term = 10 years

Person Covered:
25 years old Monthly contribution: RM500 x 5 =
RM2,500
Death / TPD at
5th month
30
Death / TPD Benefit:

RM5,000* *200% of RM 2,500 = RM5,000
+ +
Death / TPD Benefit
due to accident: *100% of RM 2,500 = RM2,500
RM2,500*
Compassion **5% of RM 2,500 = RM125

Benefit:
RM125**
*If death occurs throughout the term, the higher of 200% total takaful contributions paid (excluding top-up contributions)
less ACP paid or 105% universal account will be payable upon death/TPD
(Additional 100% of total takaful contributions due to accidental death/ TPD of the person covered) +
** Compassion Benefit - Additional 5% of total takaful contributions paid is payable upon death to either for waqf or
charitable purposes 238

Person Covered:
25 years old Total contribution:
RM6,000 x 5 = Total contribution:
RM30,000 RM6,000 x 10 =
Death / TPD at RM60,000 Death / TPD at
5th year 25th year
30
10
Death / TPD Benefit based on
Death / TPD Benefit: 105% universal account :
RM 60,000 - (RM600 x 4 years ACP) RM91,448 x 105%
=RM57,600* = RM96,021*
+ +
Compassion Benefit: RM1,500** Compassion Benefit: RM3,000**
= =
RM59,100 RM99,021
*If death occurs throughout the term, the higher of 200% total takaful contributions paid (excluding top-up contributions)
less ACP paid or 105% universal account will be payable upon death/TPD
(Additional 100% of total takaful contributions due to accidental death/ TPD of the person covered) +
** Compassion Benefit - Additional 5% of total takaful contributions paid is payable upon death to either for waqf or
charitable purposes 239

Death / TPD Benefit at 5th year based

on 200% total takaful contributions
paid (excluding top-up contributions)
less ACP paid
=RM57,600*
Death / TPD Benefit at 25th year

based on 105% universal account
RM94,800 + RM1,221
= RM96,021*
240
4. Compassion Benefit
 An additional 5% of the total takaful contributions paid is payable upon

death of the person covered to Yayasan Waqaf Malaysia, and/or other
waqf body or charitable organisation that may be appointed in future.
5%
COMPASSION
BENEFIT
Note: Any waqf authority or charitable organisations shall be approved by SLMT. 241
5. Maturity Benefit
MATURITY
BENEFIT
 In the event person covered survives until the end of the contract
term, the value of the universal account as at the maturity date of the
contract will be payable.
242
Product Features
Product Type Surplus sharing universal takaful plan
Coverage Term 15, 20, 25 or 30
Contribution Paying
5,10 or 20
Term
• Death
• TPD
Plan Benefits • Compassion benefit
• Annual cash payout
• Maturity
Minimum contribution RM 6,000 p.a.(minimum RM500 monthly in multiples of RM10 monthly)
Monthly, quarterly , half yearly, annually – no payment discount for modes

Mode of payment
other than annual
Account type Universal account
Child : 30 days – 17 years old

Eligibility Adult : 18 – 65 years old
Contract holder : 18 years old – no limit
Final benefit (maturity) Value of the universal account 243

Product Features
Top-Up contribution
The contract holder may choose to make top-up contributions at the

contract anniversary to maximise the value of the Universal Account.
Scheduled top-up contributions

Minimum: RM 600 p.a. (RM 50 monthly in multiples of RM10 monthly)
Single top-up contribution
Single top-up contribution is available and can be done anytime* while the
contract is in force.
Minimum: RM 500 per transaction (in multiples of RM 10)

Maximum: 5 times of annualised takaful contribution per year
* provided a top-up request form is submitted. 244

Summary of Benefits Contribution term = 10 years

25 years old
ACP (10%) ACP (20%) ACP (30%)

RM600 x 10 = RM6,000 RM1,200 x 10= RM12,000 RM1,800 x 10= RM18,000
30
10 20
Total contribution: Total
RM6,000 x 10 = maturity at
Death / TPD at 5th year
RM60,000 age 55:
+ Compassion Benefit
RM59,100 RM100,179**
With limited pay options, Total amount received

contribution secured until end Death / TPD at 25th year (ACP + maturity value)
of term. + Compassion Benefit RM36,000 + RM100,179 =
NO Hassle & NO worries RM99,021 RM136,179
Death / TPD due to accident at
25th year RM156,021 +
Compassion Benefit RM3,000 =
RM159,021 245
246
1.Underwriting guidelines
• For annualised takaful contribution of RM100,000 and below

- Simplified underwriting approach is applicable if the total annualised takaful
contribution for all contracts of this product alone does not exceed RM100,000
per person covered.
- Risk accumulation with all other individual takaful product’s sum-at-risk is
excluded.
- Annualised takaful contribution refers to the latest annualised takaful
contribution after any request for reduction of contribution.
• For annualised takaful contribution above RM100,000

- Full underwriting is required if the total annualised takaful contribution for all
contracts of this product alone exceeds RM100,000 per person covered.
- Risk accumulation with all other individual takaful product’s sum-at-risk is
included.
- Annualised takaful contribution refers to the latest annualised takaful
contribution after any request for reduction of contribution.
247
2. Underwriting considerations
• Underwriting shall be based on accept or reject basis.
3. Financial Underwriting
• Applicable – please refer to Appendix.
4. Medical Underwriting
• Underwriting for the person covered will follow the schedule of underwriting
limit as shown in Appendix. For the calculation of non-medical limit, the
sum covered of all individual non-credit takaful products will be aggregated.
248
Fee and Charges

Wakalah fee
 Wakalah fee as a percentage of the contribution shown in the table below is allocated into
Operator Fund for payment of management expenses and commissions.
 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 certificate anniversary after the end of
the notice period.
For takaful contributions:
Contribution Payment Term

Contract Year
5 years 10 years 20 years
1 30% 40% 60%
2 20% 30% 50%
3 15% 25% 40%
4 10% 20% 35%
5 5% 10% 20%
6 0% 5% 10%
7 0% 5% 5%
8 0% 5% 5%
9 0% 5% 5%
10 0% 5% 5%
11 and onwards 0% 0% 0%
For top-up contributions (scheduled and single top-ups):

5% of the top-up contributions
249
Fee and Charges

 Deferred wakalah fee
Upon full withdrawal/surrender, a deferred wakalah fee (as a percentage of the

value of the Universal Account) is applicable, as follows:
Contribution Payment Term
Contract Year
5 years 10 years 20 years
1 30% 30% 30%
2 25% 25% 25%
3 20% 20% 20%
4 15% 15% 15%
5 10% 10% 10%
6 0% 5% 5%
7 0% 5% 5%
8 0% 5% 5%
9 0% 5% 5%
10 0% 5% 5%
11 and onwards 0% 0% 0%
 Partial withdrawal
Not applicable.
250
Contribution Break
i. 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’. Tabarru’ will continue to be deducted during
the contribution break period.
ii. In the event the value of the Universal Account is not sufficient to pay for one more
month of tabarru’, the contract shall provide coverage up to the next monthly
anniversary before it lapses.
iii. During the contribution break period:
 commissions are not paid until contribution due is paid to the Operator.
 any single top-up contribution is not allowed.
 if Universal Account value (e.g RM600) is insufficient to pay for the ACP (e.g
RM1,000), the remaining Universal Account value (e.g RM600) shall be paid as
ACP and the contract shall lapse.
iv. When the contract holder resumes contribution payment:
 The contract holder may resume regular contribution payments by paying the
modal contribution. Unless all contributions in arrears are settled, the conditions
during contribution break shall remain.
 The commission scale will continue from where it has stopped prior to the
contribution break.
251
Juvenile lien
A juvenile lien is applicable in the event the person covered dies or
suffers TPD before his/her 4th birthday.
Attained age (last
birthday) on the date
Amount of sum covered payable
of death or TPD
begins
120% of the total takaful contributions paid less ACP paid or

Less than 1
105% of the value of the Universal Account, whichever is higher
1 105% of the value of the Universal Account, whichever is higher
4 and above 105% of the value of the Universal Account, whichever is higher
252
253
Commissions
Pre-BSC structure*
Basic Commission
(a) Takaful contribution:

Contribution Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Total
Term
20 Years 35.00 25.00 15.00 15.00 10.00 10.00 110.00
10 Years 17.50 12.50 7.50 7.50 5.00 5.00 55.00
5 Years 10.00 8.50 5.00 2.00 2.00 27.50
(b) Top-up contribution: 2.75% of each top-up contribution
*Details of BSC structure will be shared in BSC training session.

254
Commissions
Overriding Commission
(a) Takaful contribution:

Contribution Year 1 Year 2 Year 3 Year 4 Total
Term
20 Years 20.00 10.00 6.00 5.00 41.00
10 Years 10.00 5.00 3.00 2.50 20.50
5 Years 5.00 2.50 2.00 1.50 11.00
(b) Top-up contribution: 1% of each top-up contribution
Production Bonus
10% of takaful contribution (inclusive 5% for leader production bonus) for first
contract year
Persistency Bonus
5% of takaful contribution for second and third contract years

255
256
Financial Underwriting
Financial underwriting requirements are based on the total sum covered at risk of all pending
and in-force policies/contracts.
Applicable for Non-Corporate Application (Individual as contract holder)

< RM 2 million NIL
RM 2 million and above Financial Questionnaire
Income Tax Statement/ EA Form for past 2 years/ Borang E
Company Audited Reports and accounts for past 2 years.
Applicable for Corporate Application (Corporate as contract holder)

RM 2 million and below Financial Questionnaire by person covered (LAQ)
> RM 2 million Financial Questionnaire by person covered (LAQ)
Proof of Salary for past 2 years*
Audited Reports & Accounts of Company over the last 2 years
*Proof of salary refers to salary slip for last 2 months/ EA Form for last 1 year/ B form or
BE form with acknowledgement by Inland Revenue Board of Malaysia. 257
258
259
i. If the person covered is below the age of 18, we consider TPD as the
state of permanent incapacity that requires the person covered to be
confined at a home, hospital or other institution where he/she requires
constant care and medical attention for at least 6 consecutive months.
ii. If the person covered is between the ages of 18 and 65, and working
for money or operating their own business, they will be considered
totally and permanently disabled if they are totally and permanently
unable to do any work, occupation or profession to earn any wages,
compensation or profit. The disability must last for at least 6
consecutive months from the date of diagnosis.
260
iii. If the person covered is between the ages of 18 and 70 and at the time of
suffering the disability is not in paid work or operating their own business or
is a housewife, we will consider TPD to be the inability to carry out at least 3
out of 6 activities of daily living (as shown below) without the help of another
person. The disability must last for at least 6 consecutive months from the
date of diagnosis.
 Transfer – Getting in and out of a chair without requiring physical assistance;

 Mobility – The ability to move from room to room without requiring any physical
assistance;
 Continence – The ability to voluntarily control bowel and bladder functions such as
to maintain personal hygiene;
 Dressing – Putting on and taking off all necessary items of clothing without
requiring assistance of another person;
 Bathing/Washing – The ability to wash in the bath or shower (including getting in
or out of the bath or shower) or wash by any other means; or
 Eating – All tasks of getting food into the body once it has been prepared
261
iv. The occurrence of any of the following will also be considered as TPD:
 Total and permanent loss of sight of both eyes;
 Loss of 2 limbs at or above wrist or ankle;
 Total and permanent loss of sight of 1 eye and loss of 1 limb at or
above wrist or ankle; or
 Permanent total paralysis.
v. 2 of our medical examiners must be satisfied that the person covered’s

disability meets the definition of TPD.
262
263
Exclusions
Sun Prime Link-i
Death benefit
(Riders)
The death benefit and compassion benefit will not be payable if the person covered commits suicide (while sane or
insane at the time) 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, as at date of death, will be
payable.
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 Immune Deficiency Syndrome (AIDS), AIDS related complications, infection by Human Immunodeficiency
Virus (HIV) in the person covered;
ii. Active duty in any navy, army, air force, military, fire service, civil defence, 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 substance;
v. Bodily infirmity, or mental or functional disorder, or illness or disease of any kind, or any infection other than an
vi. Childbirth, pregnancy and related complications thereof;
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,
military or usurped power;
xii. While engaging in professional sport activities of any kind; or
xiii. Wilful or negligent exposure to unnecessary risks or perils.
264
Exclusions
Sun Prime Link-i
TPD benefit
(Riders)
No benefit shall be payable if the total and permanent disability of the person covered results 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. Acquired Immune Deficiency Syndrome (AIDS), AIDS related complications, or infection of the person covered by
Human Immunodeficiency Virus (HIV);
iii. Being under the influence of drugs or any narcotic or due to intoxication by liquor and/or illicit substance;
iv. Criminal act, involvement in a breach of law (unless as an innocent party) or membership of an illegal organisation;
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 operating by a commercial passenger airline on a regular schedule passenger trip
over its established passenger route;
vi. 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;
vii. Self-inflicted injuries or suicide, while sane or insane; or
viii. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), strike, riot,
military or usurped power.
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
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.
265
Sun ATP
(Sun AMLATFPUAA)
Regulatory Compliance Management

(RCM)
267
Compliance Risk Management Framework

 First line of defence - Business Unit (i.e. Sales, Marketing, Agency etc.)
 Second line of defence - Risk Control Units (i.e. Risk and Compliance)
 Third line of defence - Internal Audit
Policy Making Board of Directors
Monitoring & Control Management Committee
1st Line of
3rd Line of
Defence 2nd Line of
Defence
Defence
Regulatory Monitoring
Business Risk, Legal &

Internal Audit
Management Compliance
Risk Acceptance, Risk control unit, Independent

day to day oversight, policies assurance
checking & & framework
dealings
268
Related Local Guidelines Applicable to Agency Channel

– SLMAB and SLMTB
NO. REFERENCE DOCUMENT TITLE

BANK NEGARA MALAYSIA - GUIDELINES
1 BNM/RH/STD 029-1 Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) - Insurance and Takaful (Sector 2)
2 BNM/RH/PD 028-21 Prohibited Business Conduct
3 BNM/RH/STD 029-10 Introduction of New Products by Insurers and Takaful Operators
Specification on Permitted Business or Activity for Licensed Person under Financial Services Act 2013 and
4 BNM/RH/GL 029-3
Islamic Financial Services Act 2013
5 BNM/RH/NT 028-10 Life Insurance and Family Takaful Framework
6 BNM/RH/PD 029-16 Direct Distribution Channels for Pure Protection Products
7 BNM/RH/PD 028-65 Management of Customer Information and Permitted Disclosures
8 BNM/RH/PD 029-19 Operating Cost Controls for Life Insurance Business and Family Takaful Business
BANK NEGARA MALAYSIA - CIRCULARS

1 BNM/RH/CIR 003-2 Grant of Credit Facilities by Licensed Insurers and Takaful Operators (Consolidated)
2 JPI: DL 2/2005 Replacement of Life Insurance Policies
JDPS/POL/4400/3/08/Y
3 Measure to Accelerate the Migration to Electronic Payments
KK/MIS/YYH
269
Related Local Guidelines Applicable to Agency

Channel - SLMAB
LIFE INSURANCE ASSOCIATION OF MALAYSIA (LIAM)
1 NA Code of Ethics and Conduct (Revised) - 2nd edition, February 1999
2 BN-01/04/2013(L) Rule on Replacement of Life Insurance Policies - Review of JPI 2: 2005
3 NA Guidelines on Minimum Qualitative Criteria (MQC) for the Life Agency Force (Revised) - 20 July 2010
Continuing Professional Development (CPD) Programme for Life Insurance Intermediaries (Revised
4 NA
April 2016)
5 NA New Continuing Professional Development Guidelines for Registered Financial Planner Course
6 NA Guidelines on Procedures of Referred Listing (Revised) - 25 November 2014
7 NA Resolution 1/93: Guidelines on Procedures of Referred Listing - issued on 19 October 2017
8 NA Guidelines on Movement of Agents (MOA) (Revised) - 15 August 2007
Revision to
9 Rules on the Registration of Intermediaries (RRI) Revised 16 March 2017
Resolution No. 4/99
10 NA Guidelines on Privacy Information Data from LIAM and unauthorised Communications - 12 May 2009
 The list of the latest Guidelines issued by BNM, LIAM, MTA and PIDM are incorporated in the
Regulatory Compliance Management (RCM) Matrix and updated on quarterly basis.
 For details, please refer to Agency Compliance Coordinator i.e Alisha Lim Phui Phin and Alen Soong.
270
Related Local Guidelines Applicable to Agency

Channel - SLMTB
MALAYSIAN TAKAFUL ASSOCIATION (MTA)
1 NA Code of Ethics and Conduct for Takaful Agents
Guidelines on Replacement of Family Takaful Certificates (ROC) – Inter Takaful Operator Procedures
2 NA
– 7 March 2013
Guidelines on Minimum Qualitative Criteria (MQC) for the Family Takaful Agency Force (Revised) – 1
3 NA
January 2012
4 NA Guidelines on the Continuing Professional Development (CPD) Hours – 1 January 2013
Recognition of Continuous Professional Development (CPD) Hours for Training Programmes under
5 NA
the Agensi Kaunseling dan Pengurusan Kredit (AKPK)
6 NA Revised Standard Operating Procedure (SOP) of Referred Agent
7 NA Rules on Registration of Takaful Intermediaries (RRTI)
8 NA Guidelines on Takaful Basic Examination (TBE) – 25 June 2015
9 NA Guidelines on the Persistency Measures for Takaful Industry – 12 June 2014
10 NA Guidelines on Rules on Pinching of Family Takaful Agent
Takaful Examination Board's (TEB) Policy on Breach of the Takaful Basic Examination (TBE)
11 NA
Regulations
12 NA Guidelines on Financial Adviser
13 NA Guidelines on Minimum Requirement for Structured Shariah Training for Staff and Agents
271
Anti-Money Laundering & Counter

Financing of Terrorist (AML/CFT)
272
Anti-Money Laundering / Counter Financing of

Terrorism
Anti-Money Laundering
Anti-Money Laundering,
and Counter Financing
Anti-Terrorism Financing
of Terrorism (AML/CFT)
and Proceeds of
– Insurance and Takaful
Unlawful Activities Act
(Sector 2) (“BNM’s
2001 (“AMLATFPUAA”)
Sector 2”)
273

Terrorism
AMLATFPUAA
Section 4 - Engage in money laundering directly or indirectly
≤ MYR 5 million / five times the sum or value of the proceeds of
unlawful activity AND instrumentalities of an offence at the time it was
committed or imprisonment for a term ≤ 15 years.
Section 5 & 24 – Protection of Informers and Information

- No civil, criminal or disciplinary proceedings shall be brought against a person
who discloses or supplies any information unless it is done in bad faith. The
identity of the person giving the information shall be secret between the officer
and that person.
- ≤ MYR 1 million or imprisonment ≤ 5 years for anyone who disclose any false
information.
Section 35 – Tipping Off

- Leakage of information which is likely to prejudice the investigation
or proposed investigation.
- ≤ MYR 3 million or imprisonment ≤ 5 years or both.
274

Terrorism
Anti-Money Laundering
Anti-Money Laundering,
and Counter Financing
Anti-Terrorism Financing
of Terrorism (AML/CFT)
and Proceeds of
– Insurance and Takaful
Unlawful Activities Act
(Sector 2) (“BNM’s
2001 (“AMLATFPUAA”)
Sector 2”)
275

Terrorism
What is Know Your Customer (“KYC”)
To understand the customer’s profile i.e. name, nationality, occupation, etc.; financial capabilities; and reason
for doing business with SLM.
Why do we need to know our customers?

Requirement to monitor all customers, their activities and transactions. KYC data equips SLM with the
necessary information to detect suspicious activity and hence avoid criminal exposure.
When do we need to conduct the KYC procedures?

Initial: When on-boarding clients; and
On-going: When additional information required during the on-going monitoring of clients; and when cause
for concern noted in client’s activity.
276

Terrorism
Customer Due Diligence (“CDD”) is the

process of collecting KYC related data
from customers / clients
277

Terrorism
What is required when
When is CDD required?
conducting CDD
IDENTIFY the customer, beneficial owner (“BO”),

Establishing business relations beneficiary, and person purporting to act on behalf
of the customer (“Authorised Person”)
VERIFY the customer’s, BO’s and Authorised
Suspicions of ML/TF present Person’s identities using reliable independent
source documents, data or information
Doubt about the veracity or adequacy of Verify the Authorised Person is so authorised by
previously obtained information the customer
UNDERSTAND and obtain information on, the

purpose and intended nature of the business
relationship
Note:
• BO is any natural person(s) who ultimately owns or controls a customer and/or the natural person on whose behalf a transaction is being conducted.
It also includes those natural persons who exercise ultimate effective control over a legal person or arrangement.
• Beneficiary refers to the natural or legal persons, or a legal arrangement, or category of person, who will be paid the policy proceeds when or if an
insured event occurs, which is covered by the insurance policy.
• Customer refers to parties related to insurance contract including potential parties such as proposer/policyholder/policy owner, payor, assignee,
company representative and takaful executor but does not include insurance agent.
278

Terrorism
Specific CDD Measures on Full name;
CUSTOMER and BO
NRIC, passport number;
Residential and mailing address;
Date of birth;
Nationality;
Occupation type;
Name of employer or nature of self-employment / nature of business;
Contact number (home, office, mobile); and
Purpose of transaction.
The documents above must be verified by requiring the customer or BO, as the case may be, to furnish the original document and
make a copy of the said document (to be certified true copy by sighting officer). However, where biometric identification method is
used, verification is deemed to be satisfied. Where there is doubt, request for other supporting official identification documents bearing
their photographs, issued by an official authority or an international organisation, to enable their identity to be ascertained and verified.
279
RED FLAGS
The following are examples of red flags:
A personal Client for whom verification of identity proves unusually difficult, who is evasive or reluctant to
provide full details.
Proposals from an intermediary not in accordance with the normal business introduced.
Any transaction in which the insured is unknown.
Early cancellation of policies with return of insurance premium, for no discernible purpose or in
circumstances which appear unusual.
Funds generated by a business owned by nationals of countries associated with terrorist activities.
Strong likelihood of risks occurring, resulting in substantial Claims, with consequently high insurance
premiums.
280

Terrorism
What is Enhanced CDD (“ECDD”)
Collection of additional KYC data where the money laundering / terrorism financing (“ML/TF”) risks are
assessed as higher
When and on whom do we conduct ECDD?

On the client (customer, BO, beneficiary) who is assessed as higher risk i.e. PEP; large / suspicious
transactions; clients in higher risk jurisdictions, business, or occupation; etc.
(e.g. volume of assets and In the case of PEPs, Senior
other information from Management refers to Senior
Management at the head
public database)
office.
What is required when conducting ECDD?
Obtain additional information on Inquiring on the source of wealth Obtain approval from the Senior
Management before establishing or
the customer and BO; or source of funds; and continuing such business relationships.
(In the case of PEPs,

both sources must be
obtained)
281

Terrorism
• SLM is required to take reasonable measures to determine whether the client is a

domestic / foreign Politically Exposed Person (“PEP”) (includes family members or
close associates of all types of PEPs).
• Where the beneficiary or the BO of the beneficiary is a PEP - assessed as higher
risk, before pay-out:
a) Inform Senior Management at the head office before the pay-out of the policy
proceeds;
b) Conduct enhanced scrutiny on the whole business relationship with the
policyholder; and
c) Consider lodging an internal suspicious transaction report.
282

Terrorism
• Definition of Politically Exposed Person (“PEP”)

• Refers to:
 Persons who are or have been entrusted with a prominent function by
an international organisation which refers to members of senior
management.
 Example, directors, deputy directors, and members of the board or
equivalent functions.
283

Terrorism
What is On-going Due Diligence (“ODD”)
Scrutinise transactions undertaken throughout the

Ensure documents, data or information collected under
course of that relationship to ensure no cause for
the CDD process is kept up-to-date and relevant
concern
Ensure activity consistent with SLM’s

knowledge of the client’s business Undertake review of existing
and risk profile (including source of records particularly for higher
risk customers
funds)
How do we conduct ODD?
Consider client’s economic background and purpose of transaction or business relationship which appears
unusual; inconsistent with profile; does not have any apparent economic purpose; or casts doubt on the legality of
such transactions.
Especially complex and large

transactions or involving higher
risk customers 284

Terrorism
• On-boarding / On-going
Suspicion • Noted cause for concern / suspicion in client’s behaviour or activity
Monitoring
• Suspect that the transaction (including attempted or proposed), regardless of the amount; appears unusual; has no clear
economic purpose; appears illegal; involves proceeds from an unlawful activity; or indicates that the customer is involved in
ML/TF.
Submit • Provide required and relevant information that gave rise to doubt
• Detail in the Internal STR form, business background of the person conducting transaction connected to the unlawful activity
Internal STR
• Utmost care must be undertaken to ensure reports are treated with highest confidentiality
• Ensure suspicious transaction reporting mechanism is operated in a secured environment to maintain
Maintain confidentiality and preserve secrecy
secrecy
285
Fraud Risk Management

(FRM)
286
Fraud Risk Management (FRM)

WHAT IS FRAUD ?
• Dishonest act or omission intended to deprive or mislead for personal or corporate gain (monetary and/or
reputation).
TYPES OF FRAUD
 Internal fraud
• A full time or part time employee, or an individual, being compensated directly by Sun Life payroll or
subsidiaries’ payroll systems.
 External fraud
• Third parties who are not compensated through Sun Life’s or a subsidiary’s payroll system are considered
External
 Collusion
• An Internal and External party working together to commit fraud.
287
Claims
Fraud
Other Fraud
• Policy Fraud Surrender
• HR Fraud, etc. Fraud
Financial
Vendor
Reporting FRAUD CATEGORIES
Fraud
Fraud
Cheque
Theft
Fraud
Distributor
Fraud
288
FRAUD CATEGORIES
1. Claims Fraud
• Claim that is for a service or benefit that did not take place or that the claimant was not entitled to is completed by a non –
registered provider, is for a non – authorised dependent or contains misleading / false information for personal benefit.
2. Surrender Fraud
• Unauthorized withdrawal of cash value from a policy / account
• Policy holders informs Sun Life that withdrawal was made by spouse, dependent & third party without policy owner’s consent.
3. Vendor Fraud
• A service provider, supplier / third party outsourced commits fraud
• Eg, a vendor submits an invoice for hours that were not worked, materials not used / delivered & materials are of a higher
quality than those used / installed.
4. Cheque Fraud
• Eg, when a cheque issued is stolen during transit, endorsement signature is forged, named recipient / amount changed &
stealing and misusing the company’s check stock
5. Distributor Fraud
• Fraud that enacted by distributor, agent & member of the Carrier Sales Force who sells company’s product to public (Distributor)
• Eg, sells product under false promises, forges documents, creates false identity & not disclosing all information required
by client & company.
289

REPORTING
 All suspected fraud incidents need to be reported immediately upon identification to the Employee Ethics
Hotline or Fraud Reporting Office (“FRO”)
 FRO or his/her delegate will need to register the case into fraud register & notify the Chief Compliance
Officer (“CCO”) , Asia and Regional Compliance
Fraud Reporting Officers:
SLMA SLMT
Pramila Dewi Sivashanmugam Nor Iman bin Norhaznan
pramiladewi.sivashanmugam@sunlifemalaysia.com noriman.norhaznan@sunlifemalaysia.com
OR call
Employee Ethics Hotline 1-800-80-0011 (with IDD access) / 7100 (without IDD access)
Then dial the telephone number (800) 481-6966
FRAUD CONSEQUENCE
Where fraud commission is determined, the Employee / Agent may face disciplinary action, suspension or
termination.
290
Market Conduct
291
Important Guidelines to focus…….

Internal Guidelines
a) Market Conduct Operating Guideline (SLMA and SLMT)
External Guidelines
a) BNM’s Prohibited Business Conduct
b) BNM’s Prohibition Against Unfair Business Practices
c) BNM’s Replacement of Life Insurance Policies (JPI: DL 2/2005)
d) LIAM’s Resolution 5/2006: Rule on Replacement of Policies
e) MTA Guidelines on Replacement of Family Takaful Certificates
f) LIAM’s Guidelines on Minimum Standards for the Treating Customers Fairly Framework
g) MTA’s Guidelines on Minimum Standards for the Treating Customers Fairly Framework
292
a) Market Conduct Operating Guideline (OG)

• Applicable to Agency and Bancassurance Channel
• Key Requirements :
Section of the OG Requirement Prohibited

4.2 Only approved advertising or sales Any form of alteration to the existing
Advertising and Sales Materials materials can be used at all times approved advertising and sales
materials.
4.3 Same as above Same as above
Website, Social Media and Other
Digital Platform
5.4 Ensure comply training Nil
Training requirements and hours accordingly
6.1 Recommends product based on Avoid selling products to client if it
Sales and Product Suitability proper analysis performed, such as is not suitable for them as this may
financial need analysis result in cancellation or surrender.
6.5 Cannot make payment on behalf of Avoid offering any financial
Premium Collection client or offer any financial assistance to clients.
assistance
293
b) BNM’s Prohibited Business Conduct Guideline

• Issued on 15 July 2016
• Section 136 of Islamic Financial Services Act (IFSA) 2013 complements the Guidelines which stated that:
“Financial Service Providers shall not engage in prohibited business conducts set out in Schedule 7”.
Schedule 7 of IFSA - Prohibited Business Conduct are :
1. Engaging in Misleading or Deceptive Conduct.
2. Inducing or attempting to induce a consumer to do an act or omit to do an act in relation to any

product.
3. Exerting Undue Pressure or Influence.
4. Demanding Payments for Unsolicited Products.
5. Coercing Consumer to Acquire a product as a Condition to Acquiring Another product.
6. Colluding to Fix Features or Terms to the Detriment of Consumers.
294
WHAT IS “BUSINESS CONDUCT” ?
“A business conduct is:
Any Action and/or Statement (including inaction and omission) related to the promotion, sales or supply
of financial service or products to consumers.”
# Action or statement includes:

- Advertisement
- Product illustration
- Statement of comparison
- Promotional or marketing material
- Written or oral sales presentation
“A business conduct is considered to be misleading/deceptive if:
The business conduct has the tendency to mislead or deceive the consumer.”
295

Examples of (1) Engaging in Misleading or Deceptive Conduct and (2) Inducing or attempting to induce a
consumer to do an act or omit to do an act in relation to any product
a) Falsely claiming that the product has been authorised or endorsed by a certain body
b) False use of ‘limited supply’ to elicit an immediate decision
c) Falsely presenting a financial consumer’s rightful entitlement, e.g. the right to redress, as exclusive offer to
the financial consumer
d) Misrepresenting the benefits, advantages, conditions or terms of any financial service or product
e) Giving prominence to the returns on a financial service or product without giving adequate or equal
prominence to significant terms and conditions, risk warnings, or making such terms or conditions
obscure, as this may mislead financial consumers to form unrealistic expectations on the returns that will
be earned
f) Describing a financial service or product as ‘free’ or at no cost’ when there are charges or conditions
imposed during the term of the account or contract
g) Comparing returns on non-principal protected investment products with principal-protected products,
without explaining the risk that a financial consumer may lose all or part of the amount invested in the
investment products;
h) Omitting material facts that are relevant for the financial consumer to make an informed decision,
including using small print to obscure such facts; Using small print to conceal a material fact from the
consumer;
296
i) Omitting material facts that are relevant for the financial consumer to make an informed decision, including
using small print to obscure such facts; Using small print to conceal a material fact from the consumer;
j) Promising the financial consumers with attractive promises, e.g. promotions and gifts, when the Agent is
aware that it is not able to fulfill such promises.
k) Accepting payments or consideration for financial services or products without intending to or being able to
supply the products;
l) Misrepresenting conventional insurance products linked to Shariah-compliant funds as takaful products; and
m) Inducing a person intending to enter into an insurance or takaful contract to misrepresent or omit material facts
to an insurer or takaful operator.
n) Using the term “zero entry cost” or “zero moving cost” in property financing if the costs are ultimately passed
on to the financial consumer during the tenure of the loan.
297

Examples of (3) Exerting undue pressure or influence
a) Making persistent and unwanted solicitations to promote financial services or products;

b) Creating impediments to deter or prevent the consumer from leaving the Company’s premises until a contract
is signed;
c) Conducting personal visits to the financial consumer’s home or workplace and ignoring the financial
consumer’s request to leave or not to return; and
d) Exploiting a consumer’s emotional state, i.e. selling products which are unnecessary or unsuitable to the
needs and circumstances of the consumer.
Examples of (4) Demanding Payments for Unsolicited Products
a) Demanding payments for financial services or products provided under automatic enrolment schemes
whereby consumers are automatically signed-on to receive new or additional for financial services or
products without their consent, and are deemed to have accepted unless they expressly decline the offer;
b) Confusing a consumer during a sales presentation into closing a deal and subsequently demanding for
payment without clearly obtaining consumer’s acceptance to purchase the financial service or product; and
c) Demanding contribution payments for takaful riders without the consumer’s agreement.
298

Examples of (5) Coercing Financial Consumer to Acquire Products as a Condition to Acquiring Another
Products
a) Product Bundling Practices - Creating a barrier to the purchase of unbundled products, e.g. by pricing the
unbundled products at a level that is prohibitively expensive in comparison to the bundled product.
b) Requiring vehicle owners to purchase non-motor insurance or takaful products (e.g. personal accident) as a
condition to obtaining a motor insurance cover or takaful policy;
c) Requiring financial consumers to purchase credit shield insurance as a condition for approving a new credit
card facility; and
d) Requiring financial consumers to purchase insurance as a condition for approving a new personal financing
facility.
Examples of (6) Colluding with any other person to fix or control the features or terms of any financial
service or product to the detriment of any financial consumer, except for any tariff or premium/takaful
contribution rates or policy/takaful certificate terms which have been approved by the Bank
a) An FSP will be regarded to be engaging in prohibited business conduct if it colludes in a way that impacts
financial consumers negatively, whether financially or non-financially.
299

If breach, the Punishment would be:
1. Under Section 136 (4) of IFSA : Any person who contravenes the IFSA is punishable with:-
Five (5) years imprisonment or; Ten (10) million ringgit; Or BOTH.
2. Under the Guidelines on Prohibited Business Conduct : Supervisory Action may be taken against a
Financial Service Provider that has engaged in a prohibited business conduct even if the financial consumer
concerned has not suffered any financial losses.
300
INCIDENT / CASE STUDY

Lloyds Banking Group's decision to set aside £3.2bn to compensate customers who were mis-
sold Payment Protection Insurance (PPI) has exposed the full extent of a scandal dating back
more than a decade. PPI policy is sold to repay people’s borrowings if their income fell due to
lost of job or become ill.
 as it was very lucrative business. The Guardian revealed that many banks were returning just 15% of
their PPI income to claimants, making PPI much more lucrative than car or house insurance.
 The charge sheet against PPI was fourfold. It was claimed that it was:
• Expensive – with premiums often adding 20% to the cost of a loan, and in the worst cases over
50%.
• Ineffective – structured to limit the chances of a payout to someone who was genuinely ill. Source: The Guardian
• Mis-sold – without the customers knowledge, or sold as "essential", or sold to people such as the
self-employed who would never be able to claim.
• Inefficient – with claimants facing lengthy delays or complicated claims procedures.
 The FSA began imposing fines for PPI mis-selling in 2006, starting with a £56,000 penalty for the Regency Mortgage Corporation.
Regency. Liverpool Victoria Banking Services fined £860,000 in 2008 for adding PPI to many customers' loans without their knowledge.
Alliance & Leicester was fined £7m.
 The FSA also banned one of the worst types of PPI in 2009 – "single premium" – which was sold to mortgage-buyers and added to their
total loan at the start.
https://www.theguardian.com/business/2011/may/05/how-ppi-scandal-unfolded
301
c) BNM’s Prohibitions Against Unfair Practices
• The principal objectives of the Guidelines are to protect the interests of consumers or participants and
promote greater market discipline by:-
a) ensuring that information disclosed to the public in connection with the offering of
insurance/takaful products is not misleading or misrepresentative
b) preventing discriminative practices that are unfairly prejudicial to a particular person or group
of persons;
c) prohibiting unreasonable business practices that restrict the freedom of choice that is the right
of consumers
d) ensuring equitable contractual terms and conditions and claims settlement practices
e) increasing the awareness of participants of their rights and obligations under insurance/takaful
contracts, the legitimacy of a insurance/takaful operator or intermediary to manage or arrange
takaful business and complaints handling avenues.
302
c) BNM’s Prohibitions Against Unfair Practices

• An act or omission that constitutes an unfair practice in the business of insurance/takaful is an act or
omission that is, or is reasonably foreseeable to be, prejudicial against the rights and interests of
consumers in violation of the general notion of fair dealings
• engaging in an unfair practice includes an act or omission committed by a insurance/takaful operator

through any person acting on behalf of the insurance/takaful operator in connection with the carrying
on of its registered business.
• Practices which are deemed to be unfair, include but are not confined to:
(a) Misrepresentations or false advertising of insurance/takaful plans

(b) False information and advertising generally
(c) Collusive actions
(d) Coercive tied participation
(e) Unfair discrimination
(f) Misrepresentation in insurance/takaful applications
(g) Default participation via automatic enrolment schemes
(h) Unfair contract terms
(i) Claims settlement practices
303
Replacement of Policy / Replacement of Certificate

(ROP/ROC)
What is ROP/ROC?
Any transactions involving the purchase of life insurance policy/family takaful certificate is construed as a
ROP/ROC if within 12 months before or after a new policy is effected, and existing policy/certificate has been:
a) lapsed, surrendered or partially surrendered or forfeited
b) Changed or modified into paid-up insurance policy, continued as extended term insurance/takaful or
automatic premium loan or under a form of non-forfeiture benefit or otherwise reduced in value by the use
of non-forfeiture benefits, dividend accumulations, dividend cash values or other cash values
c) Changed or modified so as to effect a reduction in the amount of premiums paid arising from the reduction
of sums insured and/or rider or removal of rider, or in the period of the time existing life insurance will
continue in force.
How to avoid ROP/ROC?
Ask the client if they have any existing policy purchased in the last 12 months. If yes, obtain more clarification
from client regarding the policy to ensure there will not be a ROP/ROC case.
What is the Penalty?
a) Commission clawback
b) Disciplinary Action
304
Customer Complaints
• Common nature of complaints received by SLM:
Nature of Complaints
Delay in processing claims (includes delay in reply to correspondence related to claims)
Delay in reply to correspondence (non-claims related)

Delay in issuance of policy/Non-receipt of policy
Unsatisfactory amount of settlement/offer/surrender
Conduct of agent
Refusal to renew/insure
Repudiation of liability
Issues on cancellation of policy
Dispute of Sale
Delay in payment /receipting issue

Service and other anomalies
305
Personal Data Protection

(Data Privacy)
306
PERSONAL DATA PROTECTION

The Personal Data Protection Act (“PDPA”) asserts seven Personal Data Protection Principles which have to be
complied with when processing personal data:
• SLM is • SLM is • SLM shall not • SLM is • Personal data • SLM shall take • The PDPA
NOTICE AND CHOICE PRINCIPLE
DISCLOSURE PRINCIPLE
DATA INTEGRITY PRINCIPLE

GENERAL PRINCIPLE
ACCESS PRINCIPLE
SECURITY PRINCIPLE
RETENTION PRINCIPLE
prohibited required to disclose obligated to is not to be reasonable gives the data
from inform data personal data take retained steps to subject the
processing a subject by without the reasonable longer than ensure that right to access
data subject’s written notice, data subject’s steps to necessary for the personal their own data
personal data in both the consent protect the fulfilment data is and to correct
without national and except when; personal data of the purpose accurate, the personal
consent English consent has during for which it complete, not data which is
unless such languages, of been given; processing was misleading inaccurate,
processing is the purpose disclosure is from any loss, processed. and kept-up- incomplete,
necessary. for collection necessary to misuse, Upon to-date, having misleading or
of the personal prevent or modification, fulfilment of regard to the out-dated.
data and how detect a crime; unauthorized the purpose, purpose (and Nevertheless,
it would be required or or accidental SLM must any directly the PDPA
processed; authorized access or take related provides
third parties to under any law disclosure, reasonable purpose) for grounds on
whom the data or order of a alteration or steps to which it was which the data
may be court; or the destruction. ensure the collected and user may
disclosed; and disclosure was data is processed. refuse to
whether it is justified as destroyed or comply with a
obligatory or being in the permanently data access
voluntary for public’s deleted. request or
the data interest in data correction
subject to circumstances request by the
supply data, as determined data subject.
and if by the
obligatory, the Minister.
consequences
of not doing
so.
307
Anti-Bribery and
Anti-Corruption (ABAC)
ANTI-BRIBERY AND ANTI-CORRUPTION (ABAC)
POLICY STATEMENT FOR SUN LIFE MALAYSIA
Sun Life Malaysia is committed to complying with the standard and the
requirements of anti-corruption and anti-bribery laws in the jurisdictions
in which it operates.
Anti-corruption laws generally prohibit giving or offering Anything of
Value to improperly influence business decisions or obtain improper
business advantages.
By definition, Corruption is the act of giving or receiving any gratification
or reward in the form of cash or in-kind of high value for performing a
task in relation to his/her job description.
(Anything in value means any advantage, financial or otherwise, and extends beyond cash to include
gifts, hospitality, services, amenities, employment, etc. There is no minimum amount or threshold of
value that must be exceeded before a payment or gift may be illegal. The provision or receipt of gifts
and/or hospitality to/from Government Officials is subject to particular regulatory scrutiny. As a result,
SLMA employees must ensure that they have secured all appropriate levels of approval before
contemplating such activities – regardless of value. The purpose for which the payment was made or
received need not be achieved in order for there to be an anti-bribery, anti-corruption, MACC Act
2009,CFPOA, FCPA or UKBA violation)
REPUTATION
Our reputation for acting fairly is built on our values as a company and the values of the employees. As
part of our commitment to ethical business practices, we will not tolerate acts of bribery and corruption.
We expect our third parties to share the same commitment and to uphold our values and high ethical
standards.
CODE OF BUSINESS CONDUCT
The Sun Life’s Code of Business Conduct guides our business relationships and provides a baseline for
our ongoing review of ethical work standards, such as:
We prohibit the direct or indirect use of bribery, kickbacks, payoffs or other corrupt practices by
employees, agents or other parties acting on our behalf;
 We will report suspected and known incidents of bribery and corruption
 We must maintain accurate books and records;
 We must not made any Facilitation Payments to a Government Official;
 Soliciting/Receiving Gratification (Bribe);
 Offering/Giving Gratification (Bribe);
 Intending to Deceive (False Claim); and
 Using Office or Position for Gratification (Bribe) (Abuse of Power/Position)
Act A1567: Malaysian Anti-Corruption Commission (Amendment) Act 2018
Section 17A- New
What is Section 17A

(criminalizes companies’ corrupt acts)
Corporate Liability - A commercial organization may be found to have committed
an offence if any person associated with the commercial organization gives or
offers gratification to any person for business advantages
Definition of requesting/receiving gratification (Bribe)/

Requesting/ Receiving Gratification (Bribe)?
Any person or agent soliciting/receiving any form of gratification/bribe as an
inducement for performing/not performing a task
Section 17A- New
Who bears liability

Director, controller, officer or partner or a person who is concerned in the
management of its affairs
What is the penalty

Where found guilty, S17A imposes a heavy penalty of :-
• a fine not less than 10 times the value of the bribe or RM1.0 million, whichever
is higher,
•imprisonment of term not exceeding 20 years, or
•a combination of both
Section 17A- New
A wider definition of “associate” in MACC

provision :
 Any person who is a nominee or an employee of such person
 Any person who manages the affairs of such person
 Any organization of which such person, or any nominee of his, is a partner, or

a person in charge or in control of, or has a controlling interest in, its business
or affairs.
In line with this commitment, external parties and/ or any other parties with a
business relationship with Sun Life Malaysia can raise concerns about actual or
suspected wrongdoings (without any fear of reprisals or retribution) on matter
relating to (including but not limited to) corruption, fraud, theft, abuse of power
and/ or authority and/or conduct which is an offence or breach of law by
contacting:
Chairman of the Board
Datuk Dr. Syed Muhamad bin Syed Abdul Kadir
Sun Life Malaysia Assurance Berhad (197499-U)

Sun Life Malaysia Takaful Berhad (689263-M)
Level 11, 338 Jalan Tuanku Abdul Rahman
50100 Kuala Lumpur
Malaysia
Email: syed.muhamad@sunlifemalaysia.com
All information will be treated with strict confidentiality unless we are under legal obligation to disclose or required to
disclose on a strictly confidential basis to legal or auditing professionals to obtain their professional advice.
Social Media Guidelines
Version Sept 2019

Brand & Communications
315
Introduction
316
Introduction
Purpose
• This guideline serves as a digital etiquette guide on social media platforms.
• It provides handy tips on proper social conduct as expected of a Advisor to manage

risks on the social media platforms.
• The intent is not to restrict the social media usage of any Advisors when used in a private
manner, unless reference is made to Sun Life Malaysia (SLM), its products or people.
317
Introduction
Social Media Overview

• A digital public space where all activities are tracked and not anonymous.
• Creates a permanent record of your conversations/activities that may be publicly

accessible.
• As social media is easily accessible and available anytime, any unlawful activities can
have far-reaching consequences (copyright infringement, damaged reputation etc.)
• Think and act responsibly before posting on social media.
• The views expressed on your social media represent your personal views and do not,
in any way, represent the opinions of SLM. SLM assumes no responsibilities for the
contents posted.
• Review this guideline to get started.
318
Guidelines
319
Social Media Checklist
1. Share from approved sources

DO DON’T
• Share/use content that are available • Share from any other pages claiming
on the official SLM pages: as SLM.
www.facebook.com/SunLifeMalaysia
www.instagram.com/sunlifemalaysia_my/
www.youtube.com/user/SunLifeMalaysia
www.sunlifemalaysia.com/
320
Social Media Checklist (con’d)
2. Recommended brand hashtags to use

DO DON’T
• Use official SLM’s brand hashtags to • Create your own “corporate”
elevate brand awareness. #hashtags.
• #SunLifeMalaysia
• #LifeIsBrighterUnderTheSun • Use unrelated SLM hashtags.
Example:
321
3. SLM product marketing info

DO DON’T
• Share existing SLM products marketing • Change and create your own content from
materials including but not limited to the product, marketing collaterals &
product info, marketing collaterals & company related info.
company related info from official sources.
(refer to page 5 for official sources)
• Share any private and confidential info

• Cross check that no confidential info is from internal trainings.
disclosed before posting about SLM
products. 322
4. Non-SLM product marketing info

DO DON’T
• Share non-SLM product related info • Create your own infographics and
from reliable sources and always give images by misrepresenting info and
credit. also, not crediting the source.
• Share content from external sources

that are informational in general and
does not provide direct advice or force
sales decision. Ensure that the
external sources’ rules of sharing and
linking are adhered to at all times. 323
4. Non-SLM product marketing info (con’d)

DO DON’T
• Share non-SLM product related info • Create your own info using our brand
from reliable sources and always give materials without seeking approval.
credit (example: brand information,
pre-approved articles, CSR
programmes, pre-written summaries of
awards or recognition of SLM).
324
5. Provide general help on enquiries

DO DON’T
• Offer help to the public on any general • Offer specific advice or recommendations
enquiries. through social media and any other online
platforms.
• Example: Need help with planning and
protecting your future? Feel free to contact • Exaggerate potential returns of any
me at XXX-XXX XXXX. products/business.
• Always provide advice or Example:

recommendations offline to preserve Our investment plan is the BOMB! High
client’s confidentiality and invite them to interest rate with higher returns! Call me
meet with you directly in person. and I can set you up!
• Example: Thinking about your children’s

education needs in the future? Send me
an email at help@gmail.com or pm me or
contact me at XXX-XXX XXXX.
325
6. Engage via personal interactions

DO DON’T
• Acknowledge clients on their • Post any private and confidential
significant events. (i.e. birthday, details that clearly
achievements, marriage, anniversary determines/identifies the client. (i.e:
& etc.) last name, address, birth date, etc.)
• Example: Happy Birthday Vi Vian – • Example: Happy 25th Birthday Ng Vi

Have a blessed one! Vian! Have a blessed one in Klang,
Malaysia!
• Example: Congratulations on your
marriage, Faizah! • Example: Congratulations on your
marriage, Faizah! I would like to send
a present to you. Is your address 2
Jalan Haji, Klang?
326
7. Social content templates

DO DON’T
• You can use these templates when • Use unapproved template for your
creating content: content.
Bottom - White Bottom - Yellow
• Example:
Top Left Top Right

327
Overall Digital Etiquette on Social Media
1. Share responsibly
DO DON’T
• Share by reposting original content. The • Use the company name (“Sun Life / Sun
best way is to repost from SLM’s pages. Life Malaysia”) as your personal page title.
• Use SLM logos and brand assets (example:

tagline, logo & etc.) as your personal
content.
• Make claim to other official posts as your own.
• Share unrelated info that harms SLM.
• Revise original post’s content.
328
Overall Digital Etiquette on Social Media (con’d)
2. Be positive
DO DON’T
• Sound authentic, cheerful, and positive • Post anything defamatory, offensive,
during engagement. harassing and unlawful about SLM
and any of its associates/partners.
• Avoid negative content in your posting. These include but are not limited to
posts that reflect racism, sexism,
• Use professional judgement when threats, insults and political in nature.
interacting.
• Use obscenities, insults, slurs or make
• Always proofread your caption(s) derogatory remarks about SLM.
before posting and ensure the spelling
and grammar is correct.
• Be transparent and positive

in all postings.
329
Overall Digital Etiquette on Social Media (con’d)
3. Bring your sunniest behaviour

DO DON’T
• Engage with your clients in a • Misrepresent SLM in compromising
professional and courteous manner. sites. (i.e.: dating site, religious
related, political issues)
• Protect confidential corporate
information/personal data of SLM and • Share controversial opinion/views on
its clients. any postings that may trigger more
sensitive issues on the company,
• Use everyday language in social partners, competitors, & clients of SLM.
media – people expect reply from
“real” voices without extreme jargon • Engage with haters, trolls, and other
and marketing-speak. negative influences online. Delete these
comments as soon as you seen it.
• Always envisage the impact of your
postings and comments might have on
your reputation and SLM’s reputation. 330
Adhering to Guidelines
331
Benefits of Adhering to Guidelines
Adds credibility and trust to your personal brand.
Brightens your prospects with clients with official information.
Enhance business reputation for SLM and yourself.
Keep conversation relevant with clients.
Offers protection against misuse of unauthorised content.
Minimise inconsistencies against SLM brand guidelines.
Protects SLM’s brand and overall policies.
332
Support
333
Support
• You are recommended to:

• “Like” and follow the official SLM pages as below to receive the latest approved content:
www.facebook.com/SunLifeMalaysia
www.instagram.com/sunlifemalaysia_my/
www.youtube.com/user/SunLifeMalaysia
www.sunlifemalaysia.com/
• Creativity is welcomed.
• If you are unsure on the brand guidelines and requirements, feel free to share over your creations/content
before posting.
social.media@sunlifemalaysia.com
• Need help or have any enquiries? Get in touch with the Brand & Communications department.
334
CONTACT PERSON
Vhinod Veera Yusnita Mohamad
Head of Compliance, SLMAB Head of Compliance, SLMTB
vhinodhan.veerapalan@sunlifemalaysia.com yusnita.mohamad@sunlifemalaysia.com
+603-2614 3504 +603-2612 3659
Nozinani Ahmad Othman Siti Shakira Ibrahim

Regulatory Compliance & Governance Regulatory Compliance & Governance
nozinani.othman@sunlifemalaysia.com shakira.ibrahim@sunlifemalaysia.com
+603-2614 3461 +603-2600 1126
Pramila Dewi Sivashanmugam Mohammad Fitri bin Ismail

Financial Crime Compliance Financial Crime Compliance
pramiladewi.sivashanmugam@sunlifemalaysia.com mohammadfitri.ismail@sunlifemalaysia.com
+603-2614 3493 +603-2612 3767
Jaysree Kaliappan Nor Iman bin Norhaznan

Market Conduct noriman.norhaznan@sunlifemalaysia.com
jaysree.kaliappan@sunlifemalaysia.com Financial Crime Compliance
+603-2600 1184 +603-2612 8807
335
336

PR Suntcf Sunatp Trainingdeck V3.0.pam

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

PR Suntcf Sunatp Trainingdeck V3.0.pam

Uploaded by

Copyright:

Available Formats

Sun TCF

(Sun Treat Customer Fairly)

Academy V1.0 2020

About Takaful Concept

 Takaful is an Arabic word

 The concept of Tabarru’ is the main underlying

 Tabarru’ means donation ; gift.

 Each participants agrees to contribute on the

Smart move to maximise your

Sun Prime Link-i

“If something happens to you, we cover you, financially

1ST BACKEND LOAD FAST TRACK Financial security for

Allocated into Allocated into

Death / TPD* 6 Optional

*TPD: Total and Permanent Disability

Product Type Regular contribution backend load investment-linked takaful plan

Contribution Paying Term Throughout the contract term

• Death and TPD

Minimum contribution RM 1,800 p.a.(RM 150 monthly)

For child contract

For adult contract

Takaful contribution Top-ups contribution

Underwriting Requirement Full underwriting

Total commission (including overriding commission):

Final benefit (maturity) Sum covered plus account value

Introduce multiple expiry age options of 70, 80 and term

Term 30 Expiry Expiry

Term 30 Expiry Expiry

Shorten coverage term

Term 30 Expiry Expiry Expiry

Sun Prime Link-i

High annual limit Increasing room

RM2,500,000 Plan 500

Plan 200 Plan 300 Plan 500 Plan 500 Plus

Deductible option Deductible

Example A: RM500 deductible per disability

Room & Board

Any refund amount will be payable directly to contract holder

Reimbursement of the reasonable and customary

*Depends on the plan chosen.

*Depends on the plan chosen.

Cover maximum 180 days per

Intensive Care Unit

In-Hospital Physician Visit

Provides coverage for:

Hospital Surgical Hospital Room &

** Any refund amount will be payable directly to the contract holder.

• Patient arrange full payment to

Outpatient/ Treatment by Admission Faxed

Discharge Doctor visit Preparing Compile

Maximum Expiry Age

Tabarru’ (voluntary contribution) will be

• Angioplasty & other • Severe • Brain Surgery

*Angioplasty and Other Invasive Treatments for Major Coronary

GROUP 4 GROUP 5 GROUP 6

• End Stage Lung • Alzheimer’s Disease/ • HIV due to Blood

1st day 30 days 60 days

First 30 days: The following Critical Illness occurring during the 60

No waiting period would be applicable for critical illness conditions due to

Diagnosed of the valid Expiry age

1st claim 2nd claim

Accident means an unforeseen, unexpected event of