i-Great Mega

MARKETING
Marketing Name : i-Great Mega
Plan Abbreviation : IL MEGA10 & IL MEGA20
Distribution Channel : Agency

PLAN DESCRIPTION
Product Design
a) This product is a regular contribution investment-linked Family Takaful plan with access to
professionally managed unit fund(s).
b) Contributions paid are channeled 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
for this plan will vary based on the actual performance of the unit fund(s).
c) Upfront Charge (a.k.a. unallocated contributions) will be deducted from Total Contribution, and;
d) Charges to be deducted from the PUA consist of:
(i) Tabarru’;
(ii) Service Charge; and
(iii) Fund Management Charge.
Note: Please refer to Section: Charges for details.
e) Tabarru’ is deducted from the PUA and channeled to the Tabarru’ Fund (Risk Fund) where the
claim amounts (the Basic Sum Covered portion) are paid from.
Note: The Tabarru’ Fund must be distinctly separate and tracked independently from the PUA.
f) Basic Contribution = Takaful Contribution + Balancer (if any)
g) 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

 The Underwriting Surplus, if any, will be calculated and distributed annually.

 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 after each financial year.
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:
a) 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
b) 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.
 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

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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.

Investment Profit

 The Investment Profit, if any, will be calculated and distributed annually.

 100% of the investment profit arising (net of tax) from the Tabarru’ Fund, if any, at the end of
each financial year will be received by the participant which will be credited into the PUA.
 When there is a loss, there will be no profit distribution for that year. The losses will remain in
Tabarru’ Fund and to be accounted before arriving at Underwriting Surplus or deficit in the
following year.
 The investment profit which comes from PUA will be given back 100% to the participant and
reflected in the unit price.

BENEFITS
1. Death Benefit
a) If TAV > Basic Sum Covered (BSC), 100% of TAV shall be payable in one lump sum.
b) If TAV < BSC, the payout shall be Sum Covered (SC) + TAV
where,
SC = BSC - TAV.

2. 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) If TAV > BSC, 100% of TAV is payable in one lump sum.
b) If TAV < BSC, the payout will be SC + TAV.
where,
SC = BSC - TAV.
c) Payment not exceeding RM2,000,000 shall be paid in 3 annual instalments with the first
being a lump sum of the payment or RM1,000,000 whichever is lesser, and the balance
of the payment, will be payable in two equal, annual instalments of maximum RM500,000
each.
d) The maximum TPD Benefit payable under this and all certificates and riders excluding
Group certificates on the same person payable by the Takaful Operator, is RM 2,000,000
per person.

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3. Loyalty Benefit
At the end of every fifth certificate year during the contribution payment term, an amount
equivalent to percentage of the annual contribution shall be payable from Takaful Operator’s
fund to Participant’s Unit Account (PUA), subject to
• Contributions are paid up-to date
• No partial surrender was performed
This benefit is also payable for reinstatement case, provided that contribution next due date
still continues from the point where certificate is not lapse yet and all outstanding
contributions are paid upon reinstatement.
If there is change in contribution after inforce, the payment will be based on the lowest of
initial annual contribution and current annual contribution.

Loyalty Benefit = x% of Minimum (Initial Annual Contribution, Current Annual Contribution)

Initial Contribution will include basic Takaful Contribution, Balancer, Recurring Top Up (RTU)
for substandard case.

For 10-Pay For 20-Pay

End of Loyalty Benefit End of Loyalty Benefit
Certificate Year Percentage Certificate Year Percentage
5 5% 5 5%
10 10% 10 5%+5%
15 - 15 5%
20 - 20 20%
25 - 25 -
30 - 30 -

The Person Covered shall receive 5% Loyalty Benefit into the PUA, as a hibah from the
Takaful Operator. At the end of the payment term, the Person Covered shall receive 10%
Loyalty Benefit for 10-pay, and 20% Loyalty Benefit for 20-pay. As for the 20-pay, the Takaful
th
Operator is glad to give extra 5% on the 10 year.

A period of 3 months after the end of every fifth year will be given to participant to meet the
“contributions are paid up-to-date” conditions. If the contributions are not paid up-to date after
end of the 3-month period, participant will not be qualified for this benefit.

Scenario 1:
Participant paid on-time and entitles for this benefit (10-pay plan)
Commencement Date : 01/06/2016
Today’s Date : 30/05/2021
Contribution Next Due Date : 01/06/2021
 Participant has paid contribution up to 01/05/2021, full 5 years of contribution.
 Participant entitles for the 5% Loyalty Benefit.

Scenario 2:
Participant pays the contribution late, but it is within 3 months and entitles for this
benefit (10-pay plan)
Commencement Date : 01/06/2016
Today’s Date : 30/05/2021
Contribution Next Due Date : 01/05/2021
 Participant has paid contribution up to 01/04/2021, only 4 years and 11 months of
contributions
 Participant does NOT entitle for the 5% Loyalty Benefit as at 30/05/2021
 At 15/06/2021, participant has paid the contribution for 01/05/2021. It is still within 3
months after end of fifth year, participant now entitles for the Loyalty Benefit.

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Scenario 3:
Participant pays the contribution late, but it is after 3 months and does NOT entitle for
this benefit (10-pay plan)
Commencement Date : 01/06/2016
Today’s Date : 30/05/2021
Contribution Next Due Date : 01/05/2021
 Participant has paid contribution up to 01/04/2021, only 4 years and 11 months of
contributions
 Participant does NOT entitle for the 5% Loyalty Benefit as at 30/5/2021
 At 01/09/2021, participant has paid the contribution for 01/05/2021. It has exceeded 3
months after end of fifth year, participant does NOT entitle for the Loyalty Benefit.

Scenario 4: Continuation from Scenario 3

At the end of 10th year, the contribution is paid up-to-date, hence, the participant entitles for
the 10% Loyalty Benefit.

Scenario 5:
Participant paid on-time and entitles for this benefit (20-pay plan)
Commencement Date : 01/10/2016
Today’s Date : 30/09/2026
Contribution Next Due Date : 01/10/2026
 Participant has paid contribution up to 01/09/2026, full 10 years of contribution.
 Participant entitles for the 10% Loyalty Benefit.
 However, on 01/12/2026, the Takaful Operator receives TPD claim which the event date
was on 27/07/2026. Since Loyalty Benefit has been paid, the benefit will not be clawed
back even though there was a backdate claim submitted.

4. Compassionate Benefit
Upon death of the Person Covered due to any cause, a lump sum in an amount of RM2,000
per certificate 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 will 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 will be subjected to Tabarru’.

5. Maturity Benefit
The TAV will be payable in one lump sum upon maturity; if any. TAV is calculated at NAV at
the next Valuation Date.

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.

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

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Contribution Year Wakalah Fee %

10 Years 20 Years
1 37 57
2 37 57
3 14 24
4 14 24
5 7.5 15
6 7.5 15
>=7 0 0

ii. Tabarru’
(a) Basic benefit of Tabarru’ varies by the attained age next birthday, gender and smoker
status of the Person Covered. (Refer to Appendix 1)
(b) The monthly Tabarru’ are calculated as the sum at risk times one twelfth of the Tabarru’
rates corresponding to the attained age. Sum at risk means the excess of Initial Sum
Covered less Accumulated Cash Value at the beginning of the certificate month plus
allocated contribution of the month, minus the Service Charge, subject to a minimum of
zero, plus Compassionate Benefit.
(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 RM6.36 (including GST) 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:
t
250 × K% × Value of Fund
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 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.

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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 ALLOCATION
i. Takaful Contribution
The Takaful Contributions are allocated to the unit fund(s) of the PUA at the following rates
depending on the contribution payment term chosen:

Contribution Due and Paid Allocation Rate %

10 Years 20 Years
1 63 43
2 63 43
3 86 76
4 86 76
5 92.5 85
6 92.5 85
>=7 100 100

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

Allocation Rate: 95%

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 is allowed for yearly mode.
(c) Biro Angkasa is allowed for monthly modes ONLY.

iv. Female Rates / Non-smoker Discount

Rates vary by gender and smoker statuses.

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v. Large Sum Covered Discount

Not Applicable.

vi. Backdating
Not Applicable.

FLEXIBLE OPTIONS
i. Single Contribution Top Up
a) 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.
b) For single contribution top up, no adjustment on the Basic Sum Covered, where the
Basic Sum Covered will remain unchanged.

ii. 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 basic Takaful contribution 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.

iii. Contribution Increment

During Contribution Payment Term

A participant can increase the regular Basic Contribution subject to the following conditions:
a) Increase in contribution can take effect from the next Basic Contribution due date subject
to the constraints below:
Mode of Payment Minimum Increment (RM)
Annually 240
Half-yearly 120
Quarterly 60
Monthly 20

b) Participant can choose to keep the sum covered unchanged or increase the sum covered
to the maximum sum covered (based on sustainability test) allowed.

After Contribution Payment Term

Contribution Increment after Contribution Payment Tem due to certificate changes i.e.
increase SC, rider inclusion, the required contribution (based on sustainability test and
subject to the min of RM1,000) will be collected as single contribution top up.

iv. Decrease in Contribution

Participant can decrease the regular contribution subject to the following conditions:
a) Decrease in contribution can take effect from the next contribution due date.
b) If the sum covered is adjusted due to the decrease in contribution, the adjusted sum
covered is subject to min sum covered of RM500,000.

Mode of Payment Minimum Contribution after the Decrease (RM)

Annually 1200
Half-yearly 600
Quarterly 300
Monthly 100

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v. Partial Surrender
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 surrender must equal to RM1,000 per fund.
b) The remaining units in the fund(s) must be at least RM1,000 per fund.
c) For partial surrender, Basic Sum Covered will be reduced by the amount withdrawn. If the
Basic Sum Covered is reduced to an amount lower than the Minimum Sum Covered of
RM6,000, the Basic Sum Covered will be set to RM6,000.

vi. 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 canceled 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.

vii. 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 in the table
below:

Mode of Payment Minimum Amount Apportionable to Each Fund (RM)

Annually 60
Half-Yearly 30
Quarterly 15
Monthly 5

UNDERWRITING GUIDELINES
Minimum/Maximum Basic Sum Covered
Minimum : RM500,000
Maximum : Subject to underwriting

Notes: Multiple certificates are allowed where the Sum Covered will be aggregated to the underwriting
table.

Min/Max Age at Entry

Minimum : 19 years next birthday
Maximum : 69 years next birthday

Contribution Payment Term

10 years, 20 years

Coverage Term
30 years

Female Rates / Non-smoker Discount

Rates vary by gender and smoker statuses.

Non-Medical Limits (NML) and Financial Underwriting Limit

The sum covered of this plan is exclusive and will not aggregate with other existing certificates of the
same person covered, with the condition that this plan is a fresh application and registered later than
other regular products. If this plan is registered earlier, the Sum Covered for this plan within 2 years
will be aggregated with other regular products and will be using the regular NML table.
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The NML limit is RM1.5million. The standalone non-medical limits are listed below:

Age Next Birthday Sum Covered (RM)

19 to 30 1,500,000
31 to 40 1,500,000
41 to 50 1,500,000
51 to 60 1,100,000
61 to 69 500,000
Note: The NML for aggregated Sum Covered of i-Great Mega and Rider –J42 is applicable within
2 calendar years.

Financial Underwriting Table

The rider’s sum covered (J42) attached to i-Great Mega will be aggregated with the sum covered of i-
Great Mega to determine the financial underwriting requirement.

Sum Covered of i-Great Mega & riders (J42)
Up to 1,000,000
1,000,001 – 1,499,999
1,500,000 – 1,999,999
2,000,000 and above
Minimum Financial Evidence
N/A
 Financial Questionnaire Part I (to be
completed by agent)
 Financial Questionnaire Part I (to be
completed by agent)
 Financial Questionnaire Part II (to be
completed by Proposer)
 Financial Questionnaire Part I & Part II
 Certified ITR/EA form for the past 3 years
 Company audited accounts/P&L for the past 3
years
 Business Registration Form 24/49

Underwriting for Substandard Life

Follow existing practice.

CHANGES IN SUM COVERED

Any changes in the sum covered can take effect only at the beginning of a certificate month:
i. Increase in Sum Covered
Allowed up to the maximum 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.

ii. Decrease in Sum Covered

a) Automatic Reduction
When a partial surrender is made, the sum covered will automatically be reduced to the
sum covered prior to the withdrawal less the amount withdrawn, subject to the Minimum
Sum Covered of RM6,000. The recalculation of the split of Contribution & Balancer will
be done after the reduction of sum covered.
a) Voluntary Reduction
Participant may voluntarily reduce the sum covered, subject to the minimum sum
covered limits of RM500,000.

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AGENCY COMPENSATION
Commission Structure for Agency

i. Single Contribution Top Up / Balancer / GAE

Year of Contribution Basic

Overriding Commission Other Incentive*
Paid Commission
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. Basic Commission and Overriding

Contribution Payment Term=10 years

Year of Production
Basic Overriding Persistency Agency Related
Contribution Bonus
Commission Commission Bonus Expenses
Paid
1 12.50% 5.00% 2.50% 0.0% 2.27%
2 10.00% 7.50% 0.00% 2.5% 3.00%
3 9.25% 3.25% 0.00% 0.0% 3.00%
4 9.25% 3.25% 0.00% 0.0% 3.00%
5 7.50% 0.00% 0.00% 0.0% 3.00%
6 7.50% 0.00% 0.00% 0.0% 3.00%
7 and onwards 0.00% 0.00% 0.00% 0.00% 3.00%

Contribution Payment Term=20 years

Year of Production
Basic Overriding Persistency Agency Related
Contribution Bonus
Commission Commission Bonus Expenses
Paid
1 25.0% 10.00% 5.00% 0.0% 2.27%
2 20.0% 15.0% 0.0% 5.0% 3.00%
3 18.5% 6.5% 0.0% 0.0% 3.00%
4 18.5% 6.5% 0.0% 0.0% 3.00%
5 15.0% 0.0% 0.0% 0.0% 3.00%
6 15.0% 0.0% 0.0% 0.0% 3.00%
7 and onwards 0.0% 0.0% 0.0% 0.0% 3.00%

FUNDS ASSET ALLOCATION

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

Dana i-Mekar
A fund where 80% to 100% of the investments are in Shariah-compliant equities, which may be
volatile in the short term. This fund seeks to achieve medium to long term capital appreciation.
Although the fund invests mainly in Malaysia (80% – 100%), 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 invest in Shariah-compliant securities.

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

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foreign Shariah approved fixed income securities (up to 50%) to enhance the fund’s returns. Dana i-
Makmur only invests in Shariah-compliant securities.

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 invest in
Shariah-compliant securities.

OTHER PRODUCT FEATURES

1. 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.

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

3. Replacement of Certificate (ROC)

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

4. Nomination
Nomination for Beneficiary is allowed. However, upon death, the payment can only be made if
the BSC > PUA. If PUA > BSC, no payment will be done to the Beneficiary.

5. Assignment
Allowed if Assignee is a financial institution where this feature is only applicable for debt
settlement purposes. No individual assignment is allowed.

Assignee shall receive the Death/TPD Benefit (inclusive of TAV).

6. Third Party Certificate

Allowed. However, the minimum age at entry for participant should be 19 years next birthday.

7. Badal Hajj and Waqaf

Payment of Badal Hajj is to be taken from the amount of Death/TPD benefit, whichever is
applicable and payment of Waqaf is to be taken from amount of Death benefit.

8. Reinstatement Period
3 years

9. Backdating
Not allowed.

10. 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.
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11. 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.

RIDERS / SUPPLEMENTARY BENEFITS

Unit Deduction Riders available: -

Provider and Contributor Rider:

a) i-Provider on DD Rider (J42)

Note:
i. Please refer to the product write-up for the above riders for detail.
ii. All riders will automatically terminate when the certificate terminates due to any reason.
iii. If Total Account Value (TAV) > Basic Sum Covered (BSC), there is only Compassionate Benefit’s
risk charge applicable for i-Great Mega (basic plan), risk charge for the rider is still applicable.

EXCLUSION
Exclusion for the 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 the 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 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.

Note: The exclusion list may not be exhaustive. For full list of the exclusions, please refer to sample
certificate.

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