i-Great Aman

MARKETING
Marketing Name : i-Great Aman
Plan Abbreviation : IL AMAN
Distribution Channel : Agency

PLAN DESCRIPTION
a) This product is a regular contribution investment-linked Family Takaful plan with access to
professionally managed unit fund(s).
b) This plan is an investment linked Family Takaful plan that matures at age 70 or 80.
c) Contributions paid are channelled to the Participant’s Unit Account (PUA), in accordance with
the prescribed contribution allocation rates for each contribution year. The contributions will be
used to create unit fund(s) in the Takaful Fund of choice. The Total Account Value (TAV) of the
PUA will vary based on the actual performance of the unit fund(s).
d) Upfront Charge (a.k.a. unallocated contributions) will be deducted from Total Contribution.
e) Stamp duty of RM 10 is payable, where it is inclusive under Upfront Charge.
f) Charges to be deducted from the PUA consist of:
(i) Tabarru’;
(ii) Service Charge;
(iii) Fund Management Charge.
Note: Please refer to Section: Charges for details.
g) Tabarru’ is deducted from the PUA and channelled to the Tabarru’ Fund (Risk Fund) where the
claim amounts (the Sum Covered portion) are paid from.
h) This product will employ a single-pricing basis, where all transactions will be based on one
price only. This single price will now be known as the Net Asset Value (NAV).

UNDERWRITING SURPLUS AND INVESTMENT PROFIT

Underwriting Surplus
a) The Underwriting Surplus, if any, will be calculated and distributed annually.
b) The Participant is entitled to receive the Underwriting Surplus (if any) arising from the Tabarru’
Fund. The Underwriting Surplus will first be allocated for contingency purposes as deemed fit by
the Takaful Operator before it is shared between the Participants and Takaful Operator in the
proportion of 50% and 50% respectively. The allocated amount will be credited into the PUA.
c) The percentage to be held back for contingency purpose will be determined by the Actuary.
According to Article 10.21 of the Guidelines of Takaful Operational Framework (BNM/GL/RH
004-22), the Actuary shall observe the following:
(i) Assess the strength of the takaful funds to ascertain the extent to which it would be
appropriate for surplus to be distributed such that the long term sustainability of the fund is
not affected; and
(ii) Refrain from commending surplus distribution if in the Actuary’s professional judgement, the
surplus should remain in the Participant Risk Fund (PRF) as a buffer to maintain the ability of
the takaful funds to meet future liabilities or to meet participants’ reasonable expectations not
specifically provided for in the actuarial valuation.
d) When there is deficit, there will be no surplus distribution for that year. Any deficit in underwriting
surplus will be funded in the following order:-
(i) Amount allocated for contingency purposes;
(ii) Qard Hasan (Benevolent Loan).
The Qard Hasan will be carried forward to the following financial year and any surplus emerging
in the future will be used to pay off the Benevolent Loan first before it is distributed to the
Participants (again net of amount allocated for contingency purposes) in the form of Underwriting
Surplus.
Note: Should the Qard Hasan cannot be recovered, the Takaful Operator will determine whether
the Qard Hasan will be written off and become an outright transfer after certain years.
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Investment Profit
a) The Investment Profit/Loss from the Tabarru’ Fund, if any, will be calculated and distributed
annually after each financial year. The Investment Profit (net of investment expenses), if any, will
be shared among the participants and Takaful Operator in the proportion of 50% and 50%
respectively. The allocated amount for the participant will be credited into the PUA (net of tax) in
the form of creation of units.
b) When there is a loss, the losses will remain in the Tabarru’ Fund and are to be deducted from
the underwriting surplus or exacerbates the underwriting deficit. Subsequent investment profits
generated in the Tabarru’ Fund will be used to repay past investment losses before being
distributed in the pre-agreed ratio.
c) 100% of Investment Profit/Loss which comes from PUA will be reflected in the unit price.

BENEFITS
i. Death Benefit

Upon death of the Person Covered, the following shall be payable:

(a) Basic Sum Covered (BSC) from Tabarru’ Fund; plus
(b) TAV from PUA where TAV is calculated at NAV at the next Valuation Date,
in one lump sum.

In the event of death occurring before age of 5 years next birthday, 100% of TAV and the
following percentage of BSC are payable.

Age Next Birthday Basic Sum Covered after Lien

1 20% of the Basic Sum Covered
2 40% of the Basic Sum Covered
3 60% of the Basic Sum Covered
4 80% of the Basic Sum Covered

Note: Full cover will be given from age 5 next birthday.

ii. Total and Permanent Disability (TPD) Benefit

Upon TPD prior to the certificate anniversary on which the Person Covered attains age 70
years next birthday, the following shall be payable:
(a) 100% TAV is payable in one lump sum (or be retained with the Takaful Operator as per
participant’s choice to continue paying for riders) from PUA.
(b) The BSC not exceeding RM2,000,000 under this certificates and all certificates and riders
on the same person shall be paid in 3 annual instalments with the first being a lump sum
of the BSC or RM1,000,000 whichever is lesser, and the balance of the BSC (if any), will
be payable in two equal, annual instalments of maximum RM500,000 each from Tabarru’
Fund.
(c) The maximum TPD Benefit payable under this and all certificates and riders on the same
person payable by Takaful Operator, is RM 2,000,000 per person.
(d) However, if TPD occurs prior to the certificate anniversary on which the Person Covered
attains age 5 years next birthday, a child lien as per Death Benefit shall apply on BSC,
subject to a maximum amount of RM500,000 per person, payable by the Takaful Operator
under this and all certificates and riders on the same person.
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iii. Compassionate Benefit

Upon death of the Person Covered due to any cause, a lump sum amount of RM2,000 per
person will be payable from Tabarru’ Fund.
(a) This benefit is payable upfront as long as the claimant submits the death certificate
and/or other evidence satisfactory to the Takaful Operator without a need to process
the death claim first.
(b) This benefit shall be payable to immediate family member only.
(c) The admittance of this benefit does not guarantee that death benefit will be payable.
This means the Takaful Operator still have the right to repudiate the death claim.
(d) This benefit shall be payable per certificate.

iv. Maturity Benefit

Upon maturity, 100% TAV (if any) of the PUA will be payable in one lump sum.

CHARGES
i. Upfront Charge
Upfront Charge is the unallocated contributions which consist of agent’s commission and
distribution related expenses under the Takaful Operator’s Fund including stamp duty of RM 10.

The Upfront Charge is 100% minus the contribution allocation rates. Please refer to the section on
Contribution Allocation for the respective contribution allocation rates.

Contribution Term
Year 10 11 12 13 14 15 16 17 18 19 20
1 37.00% 39.00% 41.00% 43.00% 45.00% 47.00% 49.00% 51.00% 53.00% 55.00% 57.00%
2 37.00% 39.00% 41.00% 43.00% 45.00% 47.00% 49.00% 51.00% 53.00% 55.00% 57.00%
3 35.50% 36.75% 38.00% 39.25% 40.50% 41.75% 43.00% 44.25% 45.50% 46.75% 48.00%
4 15.50% 16.75% 18.00% 19.25% 20.50% 21.75% 23.00% 24.25% 25.50% 26.75% 28.00%
5 12.50% 13.25% 14.00% 14.75% 15.50% 16.25% 17.00% 17.75% 18.50% 19.25% 20.00%
6 12.50% 13.25% 14.00% 14.75% 15.50% 16.25% 17.00% 17.75% 18.50% 19.25% 20.00%
7 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

ii. Tabarru’
(a) Basic benefit of Tabarru’ varies by the attained age next birthday, gender and smoker
status of the Person Covered.
(b) The monthly Tabarru’ are calculated as the sum covered times one twelfth of the Tabarru’
rates corresponding to the attained age.
(c) Tabarru’ is deducted monthly at the beginning of each certificate month by cancelling units
already allocated to the certificate under the PUA to Tabarru’ Fund, at the NAV on the next
Valuation Date following the due date of the Tabarru’.

iii. Service Charge

An administration charge of RM6.00 will be deducted at the beginning of each certificate month
by cancelling units already allocated to the certificate from the PUA, at the NAV at the next
Valuation Date.

iv. Fund Management Charge

(a) Fund Management Charge will be deducted from PUA at each asset valuation before
determining the NAV. Unit prices will reflect the deduction.
(b) The Fund Management Charge to be deducted is:
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t
× K% × Value of Fund
250
where:
t = the number of business days from the preceding Valuation Date to the Current
Valuation Date;
K% = the percentage charge (subject to the Investment Committee’s approval) for the
appropriate fund.
Fund Code Fund Name Fund Management Charge (K%)
01 Dana i-Makmur 0.50
02 Dana i-Mekar 1.45
03 Dana i-Majmuk 1.25
(c) Value of Fund refers to the value of the appropriate fund as determined by the Takaful
Operator.

ALLOWANCE TO VARY CHARGES

Tabarru’ Rates, Service Charge and Fund Management Charge are subject to revision. The Takaful
Operator reserves the right to revise these charges by giving three (3) months’ advance written
notice to the certificate owner.

NET ASSET VALUE (NAV)

i. NAV
The price at which the participant buys the units in a fund and sells the units back to the
fund.

ii. Determination of Price

NAV of each fund are determined daily, after the valuation of the assets of that fund.

CONTRIBUTION
i. Contribution payment mode
This is an annual contribution plan but it can also be participated with half-yearly, quarterly or
monthly contribution instalments.

ii. Contribution mode factors

Modal contribution is determined before annual contribution where the annual contribution is
M times of the modal contribution.

Mode of Modal Contribution M

Annually 1
Half-yearly 2
Quarterly 4
Monthly 12

iii. Contribution payment method

(a) GIRO, DDA, Banker’s Order and credit card are allowed for all modes of contribution
payments.
(b) Cheque and cash are allowed for yearly mode ONLY.
(However, in cases e.g. credit card deduction cannot be done due to any reasons etc,
customers can walk in to HQ or branches and make the payments in cash but to ensure
the subsequent payment to go through the auto billing.)
(c) Biro Angkasa is allowed for monthly mode ONLY.
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iv. Female Rates / Non-smoker Discount
Rates vary by gender and smoker statuses.
v. Large Sum Covered Discount
Not Applicable.

vi. Backdating
Not Applicable.

CONTRIBUTION ALLOCATION
Basic Contribution = Takaful Contribution

i. Takaful Contribution
The Takaful Contributions are allocated to the unit fund(s) of the PUA at the following rates:
Contribution Term
Year 10 11 12 13 14 15 16 17 18 19 20
1 63.00% 61.00% 59.00% 57.00% 55.00% 53.00% 51.00% 49.00% 47.00% 45.00% 43.00%
2 63.00% 61.00% 59.00% 57.00% 55.00% 53.00% 51.00% 49.00% 47.00% 45.00% 43.00%
3 64.50% 63.25% 62.00% 60.75% 59.50% 58.25% 57.00% 55.75% 54.50% 53.25% 52.00%
4 84.50% 83.25% 82.00% 80.75% 79.50% 78.25% 77.00% 75.75% 74.50% 73.25% 72.00%
5 87.50% 86.75% 86.00% 85.25% 84.50% 83.75% 83.00% 82.25% 81.50% 80.75% 80.00%
6 87.50% 86.75% 86.00% 85.25% 84.50% 83.75% 83.00% 82.25% 81.50% 80.75% 80.00%
7 100.00%
The allocation rate for Auto-Extension of Coverage is 100% for all years.

ii. Single Contribution Top-Ups / Golden Age Enhancer (GAE)

Allocation Rate: 95%

UNDERWRITING GUIDELINES
i. Min/Max Age at Entry
Entry Age Expiry at Age 70 Expiry at Age 80
30 days old attained age
Minimum
(19 years next birthday for certificate ownership)
Maximum 60 years next birthday 70 years next birthday

Min/Max Age at Entry for Golden Age Enhancer

GAE Entry Age Expiry at Age 70 Expiry at Age 80
Minimum 55 years next birthday
Maximum 60 years next birthday 70 years next birthday

ii. Minimum/Maximum Basic Contribution (BC)

Mode of Payment Minimum BC (RM) Maximum BC (RM)
Annually 1,200 N/A
Half-Yearly 600 N/A
Quarterly 300 N/A
Monthly 100 N/A
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iii. Minimum/Maximum Takaful Contribution (TC)
Mode of Payment Min TC (NB) (RM) Min TC (CS)* (RM) Maximum TC (RM)
Annually 1,200 200 No Limit
Half-Yearly 600 100 No Limit
Quarterly 300 50 No Limit
16.66
Monthly 100 No Limit
(Round down)
*Contributions will be rebalanced according to the Sum Covered Multiple rule.

iv. Minimum/Maximum Sum Covered (SC)

Minimum : RM12,000
Maximum: Subject to sufficiency tests whereby projected funds is sufficient to meet projected
risk and other charges over a pre-specified period.

v. Non-Medical Limits (NML)

The proposal will be underwritten based on the combined Sum Covered of basic plan and
riders/supplementary benefits (where applicable). The non-medical limits are as follow:
Age Next Birthday Sum Covered (RM)
30 days to 16 800,000
17 to 50 1,000,000
51 to 55 500,000
56 to 60 300,000

vi. Underwriting for Substandard Person

The treatment for underwriting substandard lives owing to health condition will be to impose
a percentage extra loading on the Tabarru’ rates. In cases of temporary health extra, the
imposition will be on per mille per annum basis (i.e. at the rate of per 1000 sum covered per
annum). As for hazardous occupation or avocation and foreign residence, the approach of
imposing the extra charges will be on per mille per annum basis.

FLEXIBLE OPTIONS
i. Single Contribution Top Up
A participant can make further single contribution as investment top-ups subject to the
minimum of RM 1,000 each at any time provided the current year's and all previous
years' Basic Contribution have been fulfilled.

ii. Contribution Increment

A participant can increase the regular Basic Investment Contribution subject to the following
conditions:
(a) Increase in contribution can take effect from the next Basic Investment Contribution
due date subject to the constraints below:
Mode of Payment Minimum Increment (RM)
Annually 240
Half-yearly 120
Quarterly 60
Monthly 20
(b) The minimum and maximum sum covered limits will be recalculated automatically. If at
the point of application of contribution increment the current sum covered is below the
revised minimum limit, the sum covered will be increased to that revised minimum limit
subject to underwriting. However such underwriting could be dispensed off provided
the participant is standard lives and the aggregate increment in sum covered over the
past 12 months is not more than RM 3,000.
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(c) Any increase in contribution will be treated as a new contribution for the purpose of
allocation to the unit fund(s).

iii. Partial Withdrawal

Monies can be withdrawn by selling some of the units at the NAV in one or more of the
invested funds subject to the following conditions:
(a) The minimum amount for partial withdrawal must equal to RM1,000.
(b) The aggregate value of the remaining units in the fund(s) must be at least RM1,000.

iv. Fund Switching

A participant can create and cancel units in any one fund at the NAV, at any time after the
certificate has turned inforce without any charge. The minimum amount cancelled to create
units in another unit fund must equal to RM1,000. More than one switch can be done at one
time and this will be considered as a single switch.

v. Changing Contribution Apportionment

A participant can alter the contribution apportionment at any time. After the Takaful Operator
receives the alteration request, the next and all future contributions will be apportioned to the
unit funds in the new proportions subject to 5% of the minimum contribution listed below:
Mode of Payment Minimum Amount Apportionable to Each Fund (RM)
Annually 60
Half-Yearly 30
Quarterly 15
Monthly 5

vii. Golden Age Enhancer

A certificate owner can make a single contribution top up at inception of the certificate. The
single contribution top-up will have a higher allocation rate, which is 95% as compared to the
first year allocation rate of 43%. The high allocation rate would enable more funds to be
projected into the investment funds with potential higher returns. The minimum entry age to
be eligible for Golden Age Enhancer is age 55 next birthday. Minimum GAE amount is one
time of Basic Contribution.

viii. Changes in Sum Covered

Any changes in the Basic Sum Covered can take effect only at the beginning of a certificate
month:
a) Increase in Basic Sum Covered
Allowed up to the maximum Basic Sum Covered but may require underwriting and at
least 30 days notification is given to the Takaful Operator. The increase in sum covered
will take effect on next monthly due.
b) Decrease in Basic Sum Covered
Participant may voluntarily reduce the Basic Sum Covered, subject to the Minimum Sum
Covered limits.

FUNDS ASSET ALLOCATION

Participant can choose to invest in one or more of the following funds:

a) Dana i-Mekar
A fund where investments are in Shariah-compliant equities (ranging from 80% to 100%),
which may be volatile in the short term, as well as Islamic deposits. This fund seeks to achieve
medium to long-term capital appreciation. Although the fund invests mainly in Malaysia, it may
partially invest in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary,
to enhance the fund’s returns. Dana i- Mekar only invests in Shariah-compliant securities.
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b) Dana i-Makmur
A fund which invests in Islamic fixed income securities, for example government and corporate
sukuk (ranging from 40% to 100%) as well as Islamic deposits. This fund seeks to provide
consistent return at low levels of volatility. Although the fund invests mainly in Malaysia, it may
also partially invest in foreign Shariah approved fixed income securities (up to 50%) to
enhance the fund’s returns. Dana i- Makmur only invests in Shariah-compliant securities.

c) Dana i-Majmuk
A fund which invests in a mixture of Shariah-compliant equities, Islamic fixed income securities
and Islamic deposits. There is flexibility in asset allocation as this fund may invest solely in
Islamic fixed income securities or Shariah-compliant equities. This fund seeks to provide
medium to long-term capital appreciation, with a moderate level of volatility. Dana i- Majmuk
only invests in Shariah-compliant securities.

RIDERS / SUPPLEMENTARY BENEFITS

Unit Deduction Riders available: -

Main Riders:
a) i-Comprehensive Accident Benefits Xtra Rider (A408)
b) i-Hospitalisation Benefits Rider (A409)
c) i-Medik Rider (A410 – A414)
d) i-Critical Illness Benefit Rider (A416)
e) i-Medik Xtra Rider (J27-J30)
f) i-Medik Xtender Rider (J33-J37)

Provider and Contributor Rider:

a) i-Contributor Rider (A401)
b) i-Contributor Benefit Plus Rider (A402)
c) i-Provider on DD Rider (A403)
d) i-Provider on TPD Rider (A404)
e) i-Provider Plus Rider (A405)

Please refer to the product write-up for the above riders for details.

OTHER PRODUCT FEATURES

Surrender Values
The cash value of the certificate is the total value of all the units in all the funds selected by the participant
based on the NAV at the Next Valuation Date.

Paid-up Values / Extended Term Assurance / Policy Loans/ Automatic Premium Loan / Bonus
Rate / Option to Participate In New Policy
Not applicable.

OTHER PRIVILEGES

i. Assignment/ Nomination
Allowed.

ii. Third Party Certificate

Allowed. However, the minimum age at entry for participant should be 19 years next birthday.
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iii. Free-Look Period
Participant is allowed to cancel the certificate within 15 days. Under such circumstances, the
following will be payable:
(a) value of unit fund(s) that have been allocated to the certificate under the PUA; and
(b) any Tabarru’ and Service Charge that have been deducted from the value of unit fund(s);
and
(c) Upfront Charge (a.k.a. unallocated contributions)
less medical expenses incurred, if any.

iv. 10-Years Auto Extension

The Certificate will be extended automatically to another 10 years of coverage at maturity
without underwriting. Thereafter, the extension will take place every 10 years provided:
(a) The initial or extended Certificate is in force and not terminated.
(b) The Person Covered has not exceeded the age 80 next birthday.

Upon each Auto-Extension:

(a) Both basic and riders’ benefit will be extended at the same level of coverage or based on
the reduced/remaining Sum Covered if partial claim has been made prior to the Auto-
Extension. Same terms & conditions that have been imposed on the Certificate shall be
applicable to the extended coverage.
(b) Certain riders might not be extended if:
 the respective attaching rider has reached its maximum coverage term prior to or upon
Auto-Extension of the Certificate; or
 the rider has paid out the maximum benefit; or
 the rider has been terminated
(c) Waiting period for the same benefits shall not be applied again.
(d) The new Budgeted Contribution payable for extended coverage shall be based on:
 the Person Covered’s age next birthday upon Auto-Extension of the Certificate.
 sustainability until the end of 10 years.
 any underwriting decisions that has been imposed on the Certificate prior to the Auto-
Extension.
If Participant does not want to extend the plan, he/she must notify GETB at least 30 days prior
to the initial or extended maturity of the Certificate.

v. Reinstatement
(a) If the certificate is terminated as a result of non-payment of contributions following which the
Total Account Value is less than or equal to zero, participate may reinstate it within three (3)
years from the date of termination subject to the terms and conditions to be determined by
the Takaful Operator.
(b) Upon reinstatement, the outstanding contributions paid will first be used to offset the
accumulated debts, if any.

vi. Replacement of Certificate (ROC)

(a) Subject to ROC guidelines.
(b) For replacement of conventional plan to takaful plan under Great Eastern, the agents will be
penalized if the replacement of certificates occurs.

vii. Surrender Values

The cash value of the certificate is the total value of all the units in all the funds selected by the
participant based on the NAV at the Next Valuation Date.

viii. Termination of Contribution Payment

Termination of contribution payment does not directly result in certificate termination. The
certificate continues to remain in force as long as the TAV are positive.
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ix. No Lapse Facility
There is a “No Lapse Facility” (NLF) for the first three (3) certificate years starting from the day
the certificate inforce (Commencement Date). Within these 3 certificate years, the certificate and
its attachable supplementary benefits (riders) shall continue to remain inforce even if the TAV
equals to or less than zero, subject to the following conditions:
a) all contributions due are paid up-to-date; and
b) no partial withdrawal is made.
th
The certificate will lapse if the TAV equals to or less than zero in any year from the 4 certificate
year onwards.
Any unpaid Service Charge and Tabarru’ during NLF period shall be deducted when:
(a) the Basic Contribution is paid;
(b) the Investment Top-up(s) is(are) paid;
(c) Investment Profit in Tabarru’ Fund is distributed; or
(d) the Underwriting Surplus is distributed,
until the Service Charge and Tabarru’ due are fully paid.

Should there be any claim occurs when this Certificate continues to be inforce due to NLF, any
unpaid Service Charge and Tabarru’ shall be deducted from any benefits/claims payable under
this Certificate.

AGENCY COMPENSATION
i. Single Contribution Top Up/ Recurring Top Up/ Balancer/ GAE
The commissions are paid as a percentage of contributions paid, as detailed below.
Overriding
Year of Basic Commission Other Incentive*
Commission
Contribution Paid As a percentage of contributions paid
All 2.0% 1.0% 0.75%
* Other Incentive will be payable at the end of each certificate year, regardless of contribution
pay mode.

ii. Takaful Contribution

The commissions are paid as a percentage of contributions paid, as detailed below.

1. Basic Commission (% of Contribution)

Non-BSC
Certificate Contribution Year
Total
Term 1 2 3 4 5 6 ≥7
10 8.1375% 10.7625% 6.4875% 6.4875% 5.6250% 5.6250% 0.0000% 43.1250%
11 9.2250% 11.5500% 7.2375% 7.2375% 6.1875% 6.1875% 0.0000% 47.6250%
12 10.2750% 12.3750% 7.9875% 7.9875% 6.7500% 6.7500% 0.0000% 52.1250%
13 11.4375% 13.1625% 8.7000% 8.7000% 7.3125% 7.3125% 0.0000% 56.6250%
14 12.4875% 13.9875% 9.4500% 9.4500% 7.8750% 7.8750% 0.0000% 61.1250%
15 13.5750% 14.7750% 10.2000% 10.2000% 8.4375% 8.4375% 0.0000% 65.6250%
16 14.6250% 15.6000% 10.9500% 10.9500% 9.0000% 9.0000% 0.0000% 70.1250%
17 15.7125% 16.3875% 11.7000% 11.7000% 9.5625% 9.5625% 0.0000% 74.6250%
18 16.8000% 17.1750% 12.4500% 12.4500% 10.1250% 10.1250% 0.0000% 79.1250%
19 17.9250% 18.0000% 13.1625% 13.1625% 10.6875% 10.6875% 0.0000% 83.6250%
>=20 18.7500% 18.7500% 13.8750% 13.8750% 11.2500% 11.2500% 0.0000% 87.7500%
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BSC*
Certificate Contribution Year
Total
Term 1 2 3 4 5 6 ≥7
10 2.7125% 3.5875% 2.1625% 2.1625% 1.8750% 1.8750% 0.0000% 14.3750%
11 3.0750% 3.8500% 2.4125% 2.4125% 2.0625% 2.0625% 0.0000% 15.8750%
12 3.4250% 4.1250% 2.6625% 2.6625% 2.2500% 2.2500% 0.0000% 17.3750%
13 3.8125% 4.3875% 2.9000% 2.9000% 2.4375% 2.4375% 0.0000% 18.8750%
14 4.1625% 4.6625% 3.1500% 3.1500% 2.6250% 2.6250% 0.0000% 20.3750%
15 4.5250% 4.9250% 3.4000% 3.4000% 2.8125% 2.8125% 0.0000% 21.8750%
16 4.8750% 5.2000% 3.6500% 3.6500% 3.0000% 3.0000% 0.0000% 23.3750%
17 5.2375% 5.4625% 3.9000% 3.9000% 3.1875% 3.1875% 0.0000% 24.8750%
18 5.6000% 5.7250% 4.1500% 4.1500% 3.3750% 3.3750% 0.0000% 26.3750%
19 5.9750% 6.0000% 4.3875% 4.3875% 3.5625% 3.5625% 0.0000% 27.8750%
>=20 6.2500% 6.2500% 4.6250% 4.6250% 3.7500% 3.7500% 0.0000% 29.2500%

2. Overriding Commission (% of Contribution)

Non-BSC
Certificate Contribution Year
Total
Term 1 2 3 4 5 6 ≥7
10 3.1125% 4.2375% 2.8875% 2.8875% 0.0000% 0.0000% 0.0000% 13.1250%
11 3.5250% 4.9500% 3.0750% 3.0750% 0.0000% 0.0000% 0.0000% 14.6250%
12 3.9750% 5.6250% 3.2625% 3.2625% 0.0000% 0.0000% 0.0000% 16.1250%
13 4.3125% 6.3375% 3.4875% 3.4875% 0.0000% 0.0000% 0.0000% 17.6250%
14 4.7625% 7.0125% 3.6750% 3.6750% 0.0000% 0.0000% 0.0000% 19.1250%
15 5.1750% 7.7250% 3.8625% 3.8625% 0.0000% 0.0000% 0.0000% 20.6250%
16 5.6250% 8.4000% 4.0500% 4.0500% 0.0000% 0.0000% 0.0000% 22.1250%
17 6.0375% 9.1125% 4.2375% 4.2375% 0.0000% 0.0000% 0.0000% 23.6250%
18 6.4500% 9.8250% 4.4250% 4.4250% 0.0000% 0.0000% 0.0000% 25.1250%
19 6.8250% 10.5000% 4.6500% 4.6500% 0.0000% 0.0000% 0.0000% 26.6250%
>=20 7.5000% 11.2500% 4.8750% 4.8750% 0.0000% 0.0000% 0.0000% 28.5000%

BSC*
Certificate Contribution Year
Total
Term 1 2 3 4 5 6 ≥7
10 1.0375% 1.4125% 0.9625% 0.9625% 0.0000% 0.0000% 0.0000% 4.3750%
11 1.1750% 1.6500% 1.0250% 1.0250% 0.0000% 0.0000% 0.0000% 4.8750%
12 1.3250% 1.8750% 1.0875% 1.0875% 0.0000% 0.0000% 0.0000% 5.3750%
13 1.4375% 2.1125% 1.1625% 1.1625% 0.0000% 0.0000% 0.0000% 5.8750%
14 1.5875% 2.3375% 1.2250% 1.2250% 0.0000% 0.0000% 0.0000% 6.3750%
15 1.7250% 2.5750% 1.2875% 1.2875% 0.0000% 0.0000% 0.0000% 6.8750%
16 1.8750% 2.8000% 1.3500% 1.3500% 0.0000% 0.0000% 0.0000% 7.3750%
17 2.0125% 3.0375% 1.4125% 1.4125% 0.0000% 0.0000% 0.0000% 7.8750%
18 2.1500% 3.2750% 1.4750% 1.4750% 0.0000% 0.0000% 0.0000% 8.3750%
19 2.2750% 3.5000% 1.5500% 1.5500% 0.0000% 0.0000% 0.0000% 8.8750%
>=20 2.5000% 3.7500% 1.6250% 1.6250% 0.0000% 0.0000% 0.0000% 9.5000%

Note:
* The BSC Commission shown in the table above is calculated based on normal performance level.
For agents who are exempted from BSC, the BSC commission will be treated as non-BSC commission.
i-Great Aman
First Year Production from the plan can be used as follows:
Purpose Percentage
Maintenance 100% for all contribution payment terms
Promotion 100% for all contribution payment terms
Contest 100% for all contribution payment terms
Qualifying for payment 100% for all contribution payment terms

Notes:
1. Overriding Commission: Shown above is maximum payable and is apportioned according to
rank held and is payable upon meeting required quota.
2. Production Bonus: 5% production bonus on PP (personal production) and 5% organizer
production bonus is paid upon meeting the required quota.
3. Deferred benefit: Upon meeting requirements
4. Agency Office Maintenance (AOM): Upon meeting requirements

EXCLUSION
Exclusion for Death Benefit
No benefit will be payable in the event of suicide, while sane or insane, within the first year of Takaful
coverage.

Exclusion for TPD Benefit

No TPD benefits will be payable for any Injury resulting in Loss suffered, as a result of, including of
any of the following whether directly or indirectly:-
1. has existed prior to or on the Effective Date or on the date of any reinstatement, whichever is
later; or
2. is caused directly or indirectly by self-inflicted injuries, while sane or insane; or
3. is caused by bodily injury sustained as a result of parachuting or skydiving, or engaging in
aerial flights other than as a crew member or as a fare-paying passenger of a licensed
commercial airlines operating on a regular scheduled route; or
4. is resulted from the Person Covered committing, attempting or provoking an assault or a felony
or from any violation of law by Person Covered; or
5. is resulted from war, whether declared or undeclared.