Agency - Sun Prime Link-I V5.2 - FINAL - DA

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. 2
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.
3
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
4
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 5
Takaful diagram concept
6
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

7
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
8
Product features
Product Features Description
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
9
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
10
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
Age with
of this training content 70 any third
Age 80 Age 99 11
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
34
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
35
HOSPITAL DISCHARGE
Discharge Doctor visit Preparing Compile

final bill
Faxed
• Advised • Other all bills
by doctor patients • Doctor liaise
Admission
with billing • By form
officer Billing
officer • To AA
• TAT 60 minutes
36
PANEL HOSPITALS LISTING
https://www.sunlifemalaysia.com/customer-care/make-a-claim/panel-hospitals/
37
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.
38
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)
39
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.
40
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
41
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
42
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.
43
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.
44
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.
45
EXPIRY AGE PAC-i
ELIGIBILITY
Minimum Maximum
Maximum Expiry Age

65 years old
(age last birthday)
46
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.
47
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.
48
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.
49
EXPIRY AGE PDIC-i
ELIGIBILITY
Minimum Maximum
18 years old 60 years old
Maximum Expiry Age

65 years old
(age last birthday)
50
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."
51
WAITING PERIOD PDIC-i

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

injuries only accident or illness
52
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.
53
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)
54
TABARRU’ (VOLUNTARY CONTRIBUTION) PW-i
SUM COVERED
Total contribution waived =
Sum Covered
Takaful contribution + Schedule top-up contribution (if any)

Tabarru’
person covered."
55
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
56
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
57
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.
58
CONTRACT TERM PPW-i
ELIGIBILITY
Minimum Maximum
18 years old 60 years old
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.
59
TABARRU’ (VOLUNTARY CONTRIBUTION) PPW-i
SUM COVERED
Total contribution waived =
Sum Covered
Takaful contribution + Schedule top-up contribution (if any)

Tabarru’
person covered."
60
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
61
Person 99 – Person covered’s entry age or
SCENARIO 2 (Spouse) covered is PPW-i
70 – Contract holder’s entry age,
spouse whichever is lower.
Rider term = 35 years

(up to contract holder’s age 70)
Person covered: 30 years old 99

Contract holder: 35 years old years old
Person covered: 40 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
62
LIST OF 36 CRITICAL ILLNESSES
1STLISTING
PW-i / PPW-i
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
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
65
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
66
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!
67
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)
69
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.
70
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.
71
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.
73
Sun Prime Link-i
(Takaful Plan Mechanism)
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.
75
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.
76
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.
77
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.
78
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%
80
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.
81
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
82
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
83
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
84
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%
86
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)
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%
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 =0
(from RM3,000 tranche)
Remaining value of Account 1 = RM1,500
(from RM2,000 tranche)
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
90
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
FEES 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 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.
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%
93
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.
94
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.
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.
97
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.
98
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.
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.
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.
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.
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
106
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.
107
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
108
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.
109
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
110
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
111
112

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Agency - Sun Prime Link-I V5.2 - FINAL - DA

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Sun Prime Link-i

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):

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

Deductible option provides an affordability option to enjoy the high annual

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

Maximum Expiry Age

Tabarru’ (voluntary contribution) will be deducted

A rider that provides weekly

Maximum Expiry Age

Tabarru’ (voluntary contribution) will be deducted

Certificate issue date /

1st day 30 days

Accidental Covers disability due to