File 20220902164757

Dear Faiz Fahmi Bin Ariffin @ Azmi,
Welcome to FWD Takaful Berhad
We thank you for choosing FWD Takaful Berhad as your protection provider and we're pleased to welcome you as one of our
valued customers.
You’re good to go!

We’ve attached everything you need:
· Your Takaful Certificate Schedule – detail information of the plan you just participated.
· Your Takaful Certificate number L0660687. Keep this handy – it will be the first thing we ask for if you contact us.
Please check that the information in these documents is accurate and let us know if you need to make any changes. You can do
this via email or contact us directly - whichever suits you best:
What if you need to make a claim?

Just call or email us, and we’ll help you through the process.
What else are we going to write to you about?

We may share some information about further takaful plans which may interest you.
Once again, thanks for choosing FWD Takaful Berhad. It takes trust from your side – and we appreciate that.
Yours Sincerely,
Salim Majid Zain

CEO, FWD Takaful Berhad
Takaful Schedule
This schedule should be read in conjunction with your ‘Certificate’
Product Name FWD Invest First Commencement Date 30/11/2021
Product Package Legacy Expiry Date 30/11/2060
Certificate No. L0660687 Issue Date 30/11/2021
Product Type Regular pay
Details of certificate owner and person covered

Age Next Birthday NRIC/ID No./
Gender Name Covered Term
(Admitted) Company No.
Certificate Owner M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261
Person Covered M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261 39 years
Your base contractual contribution (RM)

Mode Monthly Payment term 39 Years
Each instalment RM 100 Last Due Date 31/10/2060
Your benefits
Death Benefit RM 100,000 Death benefit is total of the sum covered and your Participants' Savings
Account (PSA) value.
If person covered dies between age 60 to 80, the death benefit is
calculated based on 125% of sum covered for your product package.
Total and Permanent Disability RM 100,000 100% of sum covered is payable, if TPD occurs prior to expiry of the
(TPD) Benefit certificate or age 75, whichever is earlier.
Waiver of Contribution Future base contributions are waived if the person covered suffers TPD prior to expiry of the
certificate or age 75, whichever is earlier.
Maturity benefit 100% of the value in the PSA is payable.
Surrender benefit 100% of the value in the PSA is payable.
Auto sum covered increase You can increase the sum covered by 5% per annum without underwriting for 6 continuous years.
Life event sum covered increase You can increase the sum covered by 10% without underwriting upon any 2 key life events of the
person covered as defined in the certificate.
No lapse guarantee If the value in your PSA falls to zero during the first 60 months of your certificate, FWD Takaful
will pay for any deficit charges on your behalf if you do all of the following:
a. continue to pay all contributions due,
b. do not increase your sum covered,
c. do not decrease your contributions, and
d. do not make any withdrawals from your PSA.
We will not create any debt on your certificate.
Services# What we will do

We will arrange, and pay for, the Badal Hajj from our panel of service providers. If the person
Badal Hajj
covered is a non-Muslim, we will pay RM2,000 as an additional payment to the nominee(s).
We will pay for up to 10 counselling sessions with a grief counsellor from our panel; until the total
Grief Counselling
amount charged reaches RM 2,000.
We will pay for up to 3 legal advice sessions with a legal adviser from our panel; maximum amount
Legal Services
of RM2,000 for all legal advice sessions.
#
We may change or remove these services by telling you in writing
Service wakalah charge

RM 7 each month or as revised by FWD Takaful, this may be subject to SST if applicable
FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

Level 29 Menara Shell, 211 Jalan Tun Sambanthan, Brickfields, 50470 Kuala Lumpur | (T) 03 2771 7888 | (F) 03 2710 7800 | fwd.com.my
How your allocated contributions are calculated
Contribution Year 1 2 3 4 5 6 7 8 9 10+
Contribution paid (RM) 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200
Wakalah fee* (%) 40% 40% 40% 20% 20% 20% 5% 5% 5% 5%

Base Plan
Wakalah fee* (RM) 480 480 480 240 240 240 60 60 60 60
Contribution
Allocated
60% 60% 60% 80% 80% 80% 95% 95% 95% 95%
contribution**(%)
Allocated
720 720 720 960 960 960 1,140 1,140 1,140 1,140
contribution**(RM)
*
Percentage of your takaful contributions that are not allocated towards purchase of units in your personal savings account.
**
Percentage of your takaful contributions that are allocated towards purchase of units in your personal savings account.
Investment of your allocated contributions

Ratio of Fund management
40% Funds invested
investment funds wakalah charge
FWD Takaful Asia Pacific Islamic Equity
60% 1.50%
Fund
FWD Takaful Islamic Sukuk Fund 40% 1%
60%
Tabarru’ rates (RM) per annum per 1,000 sum at risk

Age 31 32 33 34 35 36 37 38 39 40
RM 1.18 1.19 1.21 1.21 1.19 1.22 1.25 1.34 1.43 1.58
Age 41 42 43 44 45 46 47 48 49 50
RM 1.68 1.87 2.11 2.38 2.67 2.98 3.33 3.64 4.04 4.48
Age 51 52 53 54 55 56 57 58 59 60
RM 4.98 5.52 6.10 6.60 7.25 7.79 8.49 9.04 9.81 11.12
Age 61 62 63 64 65 66 67 68 69
RM 12.26 13.49 14.80 16.39 18.28 20.48 22.16 24.24 24.79
‘Age’ in the table above means age next birthday of the person covered at the certificate anniversary.
Tabarru’ for WOC benefit applies only during contribution payment period and it will be RM 6.95 each year.
Nomination details
Beneficiaries Under Conditional Hibah
Name ARIFFIN @ AZMI NRIC No. 620709035401
Relationship with certificate Parent Share 50%
owner
Name ZAINI BINTI IBRAHIM NRIC No. 620204115158
Relationship with certificate Parent Share 50%
owner
Executor/Wasi
Name - NRIC No. -
Relationship with certificate - Share -
owner

Takaful Schedule FWD Critical Illness (CI) Rider
Product Name FWD CI Rider Commencement Date 30/11/2021
Base Plan FWD Invest First Expiry Date 30/11/2060
Product Type Regular pay

Certificate Owner M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261
Person Covered M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261 39 years
Your contractual contribution (RM)

Mode Monthly Payment term 39 years
Each instalment RM 36.42 Last Due Date 31/10/2060
Your benefits
Critical Illness Benefit RM 50,000 100% of the sum covered under this rider is payable, if the person covered
under the base plan is diagnosed with one of the critical illness from the
list provided in your benefit illustration and certificate.
Applicable wakalah fees on your rider contributions

Contribution Year 1 2 3 4 5 6 7 8 9 10 11+
Contribution paid (RM) 437.04 437.04 437.04 437.04 437.04 437.04 437.04 437.04 437.04 437.04 437.04
Wakalah fee* (%) 70% 55% 55% 40% 25% 25% 25% 25% 25% 25% 10%
Wakalah fee* (RM) 305.88 240.36 240.36 174.84 109.32 109.32 109.32 109.32 109.32 109.32 43.68
Tabarru’ charge** (%) 30% 45% 45% 60% 75% 75% 75% 75% 75% 75% 90%
Tabarru’ charge** (RM) 131.16 196.68 196.68 262.2 327.72 327.72 327.72 327.72 327.72 327.72 393.36
* Percentage of your takaful contributions that are not allocated towards RPF.
**Tabarru’ charge on your contributions: Your contribution less wakalah fees is the amount of Tabarru’ charge.
Nomination details
The benefits under this rider will be paid according to the named nomination details (if any) under the base plan.

Takaful Schedule FWD Medical Rider
Product Name FWD Medical Rider Commencement Date 30/11/2021

Certificate Owner M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261 39 years

Your benefits
FWD Medical Rider If the person covered under the rider is hospitalised or undergoing a surgery due to sickness or
accidental injury or requires outpatient treatment for specific illnesses, we will provide eligible
benefits listed in the Schedule of Benefits under this rider.
Refer to your certificate to understand how we define all eligible benefits and the claim process
for this rider.
Plan Deductible Amount (RM) Initial Overall Annual Limit (RM)
Faiz Fahmi Bin Ariffin @ Azmi Plan 1 1,000.00 200,000.00

Contribution paid (RM) 1,379.04 1,379.04 1,379.04 1,379.04 1,379.04 1,620 1,620 1,620 1,620 1,620 1,869
Wakalah fee* (%) 32% 32% 32% 32% 32% 32% 32% 32% 32% 32% 32%
Wakalah fee* (RM) 441.24 441.24 441.24 441.24 441.24 518.4 518.4 518.4 518.4 518.4 598.08
Tabarru’ charge** (%) 68% 68% 68% 68% 68% 68% 68% 68% 68% 68% 68%
Tabarru’ charge** (RM) 937.8 937.8 937.8 937.8 937.8 1,101.6 1,101.6 1,101.6 1,101.6 1,101.6 1,270.92

Takaful Schedule FWD Medical Executive Rider
Product Name FWD Medical Executive Rider Commencement Date 30/11/2021

Certificate Owner M Faiz Fahmi Bin Ariffin @ Azmi 31 910206115261 39 years

Your benefits
FWD Medical Executive Rider If the person covered under the rider is hospitalised or undergoing a surgery due to sickness or
accidental injury or requires outpatient treatment for specific illnesses, we will provide eligible
benefits listed in the Schedule of Benefits under this rider.
Refer to your certificate to understand how we define all eligible benefits and the claim process
for this rider.
Plan Deductible Amount (RM) Initial Overall Annual Limit (RM)
Faiz Fahmi Bin Ariffin @ Azmi Plan 1 1,000.00 1,800,000.00

Contribution paid (RM) 285 285 285 285 285 393.96 393.96 393.96 393.96 393.96 507.96
Wakalah fee* (%) 32% 32% 32% 32% 32% 32% 32% 32% 32% 32% 32%
Wakalah fee* (RM) 91.2 91.2 91.2 91.2 91.2 126.12 126.12 126.12 126.12 126.12 162.6
Tabarru’ charge** (%) 68% 68% 68% 68% 68% 68% 68% 68% 68% 68% 68%
Tabarru’ charge** (RM) 193.8 193.8 193.8 193.8 193.8 267.84 267.84 267.84 267.84 267.84 345.36

FWD Invest First
Investment-Linked Certificate
MY Legacy plan
fwd.com.my
b
Quick reference
About your certificate 1

Your FWD Invest First Certificate 1
Certificate information statement 2
Quick summary of your benefits 5

What FWD Invest First is all about 5
Your benefits at a glance 6
Your benefits 7
Investment benefits 7
Withdrawal option 8
Surrender option 9
Protection benefits 10
Death benefit 10
Total and permanent disability benefit 11
Waiver of contribution benefit 11
Your investment 12
Our investment funds 12
Your participants’ savings account 15
Changes to your participants’ savings account 16
What unit price applies when buying or selling units 17
Starting, changing, or ending your certificate 19

When your certificate starts 19
Changes to your certificate 19
Changing the certificate owner 20
Cancelling your certificate 23
When your certificate ends 23
Reinstating your certificate 24
The main people in your certificate 25

Person covered 25
Certificate owner (you) 25
Nominees 26
Making a claim 28
How to claim 28
When we will not pay any benefit 28
Additional support when you need it 29
Your contributions 32
$ Paying your contribution 32
Regular top-up contribution 33
Lump sum top-up contribution 34
Changing your contributions 34
FWD Invest First

c
Quick reference
Fees and charges 35

Certificate level 35
Underlying fund level 35
Alterations to charges 36
How we manage your tabarru’ 36
Keeping it legal 37
Governing law 37
We rely on your information 37
Important words and phrases 40
FWD Invest First

11
About your certificate
Thank you for choosing FWD. We’re pleased to be protecting

you, so you can focus on living life to the fullest.
Your FWD Invest First Certificate

This certificate is a fixed term, investment-linked takaful plan managed by FWD Takaful in accordance with
Shariah principles and guided by our Shariah committee.
Takaful is a mutual assistance scheme based on the spirit of brotherhood
and solidarity where you and the other participants agree to assist each other
financially if any one of you suffers a specific loss.
We manage your contributions based on the Shariah contract of wakalah.
Your FWD Invest First certificate is a takaful contract between you and us. Your certificate is made up of the
documents listed below:
– Your Takaful schedule.
– This takaful certificate.
– Your certificate information statement
– Your ‘Customer fact finds’ based on information you provided to our adviser.
– The benefit illustration accepted by you as well as the ‘Product disclosure sheet’.
– Your application form and any documents you provided with it.
– Any endorsement to your certificate.
By reading your certificate carefully, you’ll know exactly what you’re covered for, your investments, how to
make a claim and the benefits you are entitled to.
A certificate endorsement is the document we provide to
tell you about any official changes to your certificate.
Easy to read
We’re here to change the way you feel about takaful – starting with this document. We’ve made it easy to
read, so you can understand your benefits and what you’re covered for.
We highlight important information like this. Read these carefully.
Words with special meaning

Some words in this certificate have a special meaning. We show those meanings on page 40 (important
words and phrases). Please refer to this section when you need to.
Certificate Issue date Shariah Unit

Certificate anniversary Investment fund Shariah committee Unit price
Commencement date Owner, or certificate owner Sum covered Wakalah fee
Contributions Participants’ risk fund Surplus We, our and us
Endorsement Nominee Tabarru’ You or your
Expiry date Participants’ savings account Takaful schedule
If you have questions

If you still have any questions after you have read this certificate, please call our Service Hotline at
1 300 13 7988 – we’re here for you.
FWD Invest First

Certificate information statement

Paying your contribution
Based on your contributions, we provide the cover you have chosen.
You can pay your contributions yearly, half-yearly, quarterly, or monthly. For details about how to pay
your contributions, and what happens if you don’t pay, see page 32 (your contributions). You may pay
contributions using any of the methods below:
– Auto-debit from a credit or debit card.

– Auto-direct debit from a bank account.
– Electronic payment.
See page 32 (your contributions) for more details on your contributions and what we do with them.
Choosing who receives the benefits
Investment benefits
You (the certificate owner) will receive the maturity, withdrawal, and surrender benefits.
Death benefit
The death benefit which will be paid to the nominees as 100% of the sum covered in a lump sum.
Total and permanent disability (TPD) benefit

We pay you 100% of the sum covered in a lump sum as a total and permanent disability benefit.
Waiver of contribution
– If we pay you the total and permanent disability benefit, we will waive all regular contributions that
become due to be paid under your certificate from the date we pay the total and permanent disability
benefit.
– The benefit can be availed only for the certificate or the rider, and not both.
Nomination
You can choose a nominee or more for the death benefit. This is a person (or people) who will receive the
death benefit under this certificate. You can choose for them to receive the benefit as an executor or as a
beneficiary. See page 25 (the main people under your certificate) for more details on your different choices.
Proof of age
In order for us to pay any benefits, we will require you and the person covered to provide proof of age. You
may do so by providing a copy of any of the following.
– National registration identification card (NRIC).
– Birth certificate.
Surrender values
If you surrender your certificate:
– the person covered will lose the coverage; and

– you may receive an amount less than you contributed.
In addition, any changes to the person covered’s health or circumstances in the future may make it difficult
or more costly, for them to get coverage in the future.
FWD Invest First

15-day free-look period

You have 15 days to decide if this certificate is right for you. Provided you:
– haven’t made a claim; and
– haven’t made a withdrawal;
we will pay you the following amounts:
– your total participants’ savings account;
– any wakalah fees, service wakalah charge or tabarru’ amounts that were taken from your contribution;
– less any medical examination fees we have paid.
If you cancel during the 15-day free-look period, we will refund your contributions as above.
What you need to do

To cancel during the free-look period, you may tell us by sending an email to claims.my@fwd.com, or
by calling our Service Hotline at 1 300 13 7988 so that we can advise you on cancellation process.
We need to receive your free-look termination request within 15 days of the certificate delivery date.
You won’t be able to cancel under the free-look period if you:

– have made a claim; or
– have made a withdrawal;
during the free-look period.
What we will do
We will refund you any contributions paid, less any medical examination fees we have paid. We will
terminate your certificate, and you will not be able to claim any benefits under it.
We will not approve your request to terminate if you make a claim under your certificate during the
15-day free-look period.
We will pay the following amounts.
– The wakalah fees, service wakalah charge and tabarru’ amounts you have paid.
– The total participants’ savings account value using the unit price as on the next valuation point
after we receive your free-look cancellation instruction. See page 17 (what unit price applies) for
more on how the unit price is applied.
– LESS any medical examination fees we have paid.
The total amount you receive may be more or less than the contributions that you paid, because
the value of your investments may go up or down depending on the market performance.
Tell us about any changes

You should tell us about any important changes to your personal details (address or contact number) or
if you want to change who will receive the death or total and permanent disability benefits. See page 19
(changes to your certificate) for more details.
How to contact us if you have any questions or to make a claim

Call our Service Hotline at 1 300 13 7988 if you have any questions about your certificate, or if you need to
make a claim. See page 28 (how to claim) for more details on making a claim.
Exclusions and conditions

Exclusions and conditions may apply to the cover you have chosen.
FWD Invest First

– On page 28 (when we will not pay any benefit), we set out the general exclusions that apply to your
certificate.
– Throughout this certificate, we set out any specific exclusions and conditions where they apply to a
certain benefit.
How to resolve a concern or complaint

We want to resolve any concerns or complaint you may have as quickly as possible. You should follow the
steps below to resolve your concern.
Step 1 – Talk to us The first thing you should do is talk to one of our consultants about your concerns.
Call our Service Hotline at 1 300 13 7988. The consultant may be able to resolve your
concern (Monday to Friday 9am to 6pm, excluding weekends and public holidays).
The consultant or manager will try to resolve your complaint as soon as possible.
Step 2 – Call If you feel that your complaint have not been resolved, you can write to:
or write to our
FWD Complaints Unit Toll Free : 1300 13 7988
Complaints Unit
Level 29 Menara Shell Tel: 03-2771 7888
211 Jalan Tun Sambanthan Brickfields Fax: 03-2710 7800
50470 Kuala Lumpur E-mail: contact.my@fwd.com
We will respond to your complaint within 3 working days of us receiving it.
Step 3 – Seek an If we cannot resolve your complaint, you can choose to lodge a complaint with the
external review Ombudsman for Financial Services (OFS).
from the OFS
The OFS is a free, independent dispute resolution centre for the resolution of
disputes involving ﬁnancial institutions and consumers.
You can lodge a complaint by post, fax, online, or in-person. The Ombudsman’s
details are:
Level 14, Tel: 03-2272 2811

Menara Takaful Malaysia Fax: 03-2272 1577
No. 4, Jalan Sultan Sulaiman E-mail: enquiry@ofs.org.my
50000 Kuala Lumpur Website: www.ofs.org.my
The sum involved in the dispute must be within the jurisdiction of the Ombudsman.
Step 4 – Seek an If we cannot resolve your complaint, or if the OFS cannot resolve your complaint,
external review you can also choose to lodge a complaint with the Bank Negara Malaysia Laman
from BNMLINK or Informasi Nasihat dan Khidmat (BNMLINK or BNMTELELINK).
BNMTELELINK
BNMLINK provides face-to-face customer service to walk-in visitors on general
enquiries and public complaints. BNMLINK’s details are:
Laman Informasi Nasihat dan Khidmat (BNMLINK) Operating hours:

Ground Floor, D Block 9.00 a.m. - 5.00 p.m.
Jalan Dato’ Onn (Monday - Friday)
50480 Kuala Lumpur
Contact Centre (BNMTELELINK) Operating hours:

Bank Negara Malaysia 9.00 a.m. - 5.00 p.m.
P.O. Box 10922 (Monday - Friday)
50929 Kuala Lumpur E-mail: bnmtelelink@bnm.gov.my
Tel : 1-300-88-5465 (1-300-88-LINK) SMS: 15888
(Overseas: 603-2174-1717) Fax: 603-2174-1515
FWD Invest First

5
Quick summary of your benefits
This section describes the main benefits of your certificate. It is a guide

to your takaful plan. To understand the full details about what we pay
and how we pay it, you should go to page 7 (what you’re covered for).
What FWD Invest First is all about

We know you work hard all your life to support your family’s
need and secure their future.
We also know that should you unexpectedly pass away, you

want to be remembered not only by the relationships you’ve
built and the values you’ve lived by but also the preparations
you’ve made so your loved ones aren’t left without support.
FWD Invest First takaful plan is a one-step solution for your

‘Legacy’ planning that helps you to magnify your savings while
providing protection for your family, through investment in
Shariah-compliant investment funds.
It also can be tailored to your individual goals, like being able

to leave a gift of money for the person or the cause you desire.
You shouldn’t have to work any harder than you already do.
Instead make your money work harder.
FWD Invest First

Quick summary of your benefits 6
Your benefits at a glance

This section describes the main benefits of your certificate. It is a guide to your takaful plan. To understand
the full details about what we pay and how we pay it, you should go to page 7 (your benefits).
When we We won’t pay any benefit if any of the following happen.

won’t pay
– Your certificate has ended. See page 23 (when your certificate ends).
– An exclusion applies. See page 28 (when we will not pay any benefit).
Your investment plan

Legacy You have selected the legacy-focused plan. This plan is designed to provide the maximum
support for your loved ones if you die.
Rider benefits
You can choose to add rider benefits to your certificate for extra protection against serious events. The
details of any rider benefits you have will be shown on your rider takaful schedule. If you added your rider
benefit after your certificate started, the details will be shown in a certificate endorsement.
FWD Invest First

7
Your benefits
This section refers to the coverage benefits you are entitled to, and any specific
exclusions or conditions that apply to those benefits. General exclusions
may also apply – see page 28 (when we will not pay any benefit) for details.
Investment benefits
We invest your contributions, less any wakalah fees that apply, in the investment funds you have chosen to
help you achieve your investment goals.
Maturity benefit
We will pay you the maturity benefit, when you have kept your certificate active until the expiry date. The
amount of the maturity benefit is your total participants’ savings account. No withdrawal charge applies to
your maturity benefit.
We will pay you the maturity benefit automatically after the expiry date, as long as we have your current
contact and bank details on record.
Your total participants’ savings account is the value of all of the units you hold in our
investment funds. The value of investment funds depends on market performance and so it
may go up as well as down. See page 13 (Calculating the value of our investment funds)
for more info.
What you need to do

Keep the certificate active, and make sure that your contact and bank details are up-to-date.
What we pay
The amount of the maturity benefit is your total participants’ savings account at the expiry date.
If we have your current contact and bank details:
We will pay you your total participants’ savings account using the unit price as on the next valuation
point after the expiry date.
If we don’t have your current contact and bank details:
We will not be able to automatically pay you. We will pay the total monies from your participants’
savings account using the unit price as on the next valuation point after the maturity date to the
Registrar of unclaimed monies.
Your takaful coverage will end at the expiry date.
What happens next

Your certificate will end at the expiry date.
Withdrawal option
You can withdraw part of your total participants’ savings account while the certificate is still active. You have
the following options.
FWD Invest First

Your benefits 8
Adhoc withdrawal (one-off withdrawals) Regular withdrawal
You can choose an amount you want to withdraw at You can choose a regular amount to be paid to you
any time. every month, quarter, half-year, or year.
If you have invested in more than one investment fund

You can tell us which investment funds you want to withdraw from. If you do not tell us where to withdraw
the units from, we will withdraw based on the weighted average of your account value from your
investment funds.
Minimums apply
The amount you withdraw needs to meet our minimum requirements, and you need to keep a minimum
balance in each investment fund.
We will not process a withdrawal if it means your remaining balance will be below the minimum balance.
Participants’ savings account value reduced
Any withdrawal will reduce your total participants’ savings account value – so your overall investment
return will be lower.
What you need to do

Making an adhoc withdrawal or regular withdrawal
To make an adhoc or regular withdrawal, you need to:
– send us a completed withdrawal request form; or

– complete a withdrawal request using our customer portal;
telling us which investment funds you want to withdraw from.

Stopping a regular withdrawal
To stop your regular withdrawal, you need to:
– send us a completed withdrawal request form; or

– complete a withdrawal request using our customer portal;
We need 30 days’ notice before the next payment date to stop your withdrawal. If your request is
completed with less than 30 days before the next payment date, you may receive one final payment
before the payments stop.
What we pay
We will calculate the number of units to withdraw from your participants’ savings account based on
your requested withdrawal amount. Because the unit price changes, you may receive more or less than
the amount you requested.
We will review your request and if it meets our requirements, we will pay you the amount from the
funds you have chosen. If you don’t tell us which funds to withdraw from, we will withdraw based on
the weighted average of your account value from your investment funds.
We will use the unit price as on the next valuation point after we receive your withdrawal request. See
page 17 (what unit price applies) for more on how the unit price is applied.
What happens next

Your certificate and protection will continue with a reduced total participants’ savings account
balance. You can continue to pay your regular contribution and any regular top-up contributions.
FWD Invest First

Your benefits 9
Surrender option
You can end your certificate early (before the expiry date). Your certificate will end and we will pay you your
total participants’ savings account in full. You won’t be able to reinstate your certificate after you surrender.
Reduced investment return and no protection
Your certificate is a long-term investment, and surrendering your certificate early will cease your
investment. In some cases you may receive less than the contributions you paid. You will also lose your
death benefit cover and total and permanent disability benefit cover and any additional protection from
riders that you have participated in.
If you surrender your certificate it may be more difficult for you to get coverage in the future if there are
changes to your health or the person covered’s health.
Amounts under RM10
– Amounts under RM10 are donated to charity if we do not have your bank account details.
– If your refund amount is more than RM10 and we do not have your banking details then we will transfer
the monies to Registrar of Unclaimed Moneys.
No reinstatement after surrender
You will not be able to reinstate your certificate after you surrender it.
What you need to do

To surrender your certificate, you need to send us a completed surrender form (or any other form
accepted by us).
What we pay
We will review your request and if it meets our requirements, we will pay you the total of your
participants’ savings account, and we will deduct outstanding charges (if any).
We will use the unit price as on the next valuation point after we receive your surrender request. See
page 17 (what unit price applies) for more on how the unit price is applied.
What happens next

Your certificate will end as at the date of surrender based on our rules and procedures at that time. You
will not be able to reinstate your certificate after you surrender it.
The value of your investment depends on market performance and so it may go up

as well as down. You should understand that the value of your certificate may be
lower than the initial amount you invest.
Protection benefits (included)

Your certificate provides the following protection benefits. These benefits are included in your certificate,
and you pay the tabarru’ charges for this protection from your participants’ savings account.
Death
Death benefit Your nominees will receive a lump sum death benefit if the person covered dies.
Total and permanent disability (TPD)
Total and permanent You will receive a lump sum total and permanent disability benefit if the person
disability benefit covered is totally and permanently disabled.
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Your benefits 10
Waiver of contributions If we pay the total and permanent disability benefit we will waive all future
regular contributions.
Death benefit
We will pay the death benefit to your nominees upon the death of the person covered. The death of the
person covered must happen while the certificate is active.
What we pay
We will pay both of the following amounts.
– The sum covered shown in your latest certificate endorsement.
– The total participants’ savings account value on the day after we approve the claim.
Additional benefit for death between age 59 and 79
– We will pay an additional 25% of the sum covered if the person covered between age 59 and 79.
When we won’t pay

We won’t pay any benefit if any of the following happen.
Total and permanent disability benefit

We will pay 100% of the sum covered to you if the person covered suffers a total and permanent disability
before they are 74. The total and permanent disability of the person covered must happen while the
certificate is active.
We will also pay the waiver of contribution benefit if the person covered suffers a total and permanent
disability. See waiver of contribution benefit below.
What we pay
We will pay the sum covered shown in your latest certificate endorsement.
When we won’t pay

We won’t pay any benefit if any of the following happen.
Waiver of contribution benefit

We will waive the regular contributions under your certificate if the person covered become totally and
permanently disabled. We will waive the regular contributions from the date we approve a total and
permanent disability benefit claim, until the expiry date of the certificate.
The person covered must become totally and permanent disabled while this certificate is active.
Refund of contributions after we approve a claim

If we accept a claim for the waiver of contribution benefit, we will refund any contributions paid to us after
the date you become totally and permanently disabled.
Any refunded contribution amount will be paid on top of the other amounts due to be paid under your
certificate.
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Your benefits 11
Contributions must be paid until we approve the claim

All contributions due under the certificate and any riders must be paid until we approve the claim for
contribution waiver benefit.
What we pay
We will pay all regular contributions that are due to be paid under the certificate, from the date we
approve your total and permanent disability benefit claim, until the certificate expiry date.
We do not pay for any rider contributions under this certificate.
When we won’t pay

We won’t pay any benefit if any of the following happen:
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12
Your investment
In this section, we explain how we invest your contributions

in our Shariah-compliant investment funds, and how
we operate and manage our investment funds.
Our investment funds

We offer a range of investment funds to suit different investment goals. Each of our investment funds has its
own investment strategy designed to achieve a specific medium-or long-term investment goal.
We or an external fund manager appointed by us will manage those investment funds in line with the fund’s
investment mandate.
You can find out more about our various investment funds and their performance by referring
to the investment fund fact sheets on our website at fwd.com.my or by calling our
Service Hotline at 1 300 13 7988.
How our investment funds work

You may select from a range of investment funds. Each investment fund we offer is made up of an
underlying fund. Every underlying fund has its own investment objective designed to achieve a specific
long-term investment goal.
Each investment fund holds different assets (such as shares and sukuk) and the overall value of an
investment fund is equal to the market value of all the assets it is holding. We will only invest in Shariah-
compliant funds. The value of your investment funds moves up or down daily along with the market value of
the underlying Shariah assets. This means you may get more or less than you invested.
Participants
FWD Investment fund FWD Investment fund FWD Investment fund FWD Investment fund
Underlying Underlying Underlying Underlying

fund manager fund manager fund manager fund manager
Underlying Underlying Underlying Underlying

Shariah-compliant Shariah-compliant fund manager
Shariah-compliant fund manager
Shariah-compliant
assets assets assets assets
FWD’s investment funds and underlying funds.
Each investment fund is equally divided into units. When you buy units in our investment funds, you are
buying a share of our investment fund. The price of unit is called the unit price. The investment funds and
their assets are our property, which we hold and manage on behalf of you and our other participants.
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Your investment 13
FWD
Investment fund
Each investment Your purchase units

is divided into units in our investment fund
with your contributions
Calculating the value of our investment funds

The unit price is determined by dividing the total market value of the assets in the underlying fund by the
number of units in the fund, after taking off the fund management charge, and the costs of managing the
investment fund. These costs are shown below.
– Buying and selling assets.

– Maintaining and valuing assets.
– Tax or other payments we have to pay by law.
– Asset management fees for underlying funds.
We determine the unit prices for our investment funds every business day. You can find the most up-to-date
unit prices on our website at fwd.com.my.
For example, if there were 10 units held in a fund worth RM20, then the price of each unit
would be RM2. (RM20 ÷ 10 units = RM2 unit price)
As the value of the investment fund moves up or down, so does the value of the units, and this is shown in
the unit price.
The value of your investment depends on market performance and so it may go up

as well as down. You should understand that the value of your participants’ savings account
may be lower than the initial amount you invest.
Our investment powers

We or the underlying fund managers manage our investment funds in line with the fund’s investment
mandate. We may also appoint other companies to provide other professional services needed to properly
manage an investment fund.
We have the power to make all investment decisions for each investment choice, as well as to decide the
proportion of assets of cash, including dividends, generated by each investment choice.
We have the absolute power to delegate all or some of our investment powers to any person for a period
that we decide.
All our investment funds must follow the rules and regulations of the Securities Commission of Malaysia. If
we get approval from the Securities Commission of Malaysia, we may do the following:
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Your investment 14
– Create new investment funds (in which case all the terms and conditions of this certificate will apply to
the new investment funds).
– Appoint a new fund manager or change an existing fund manager.
– Appoint a new service provider or change an existing service provider.
– Withdraw any investment fund.
– Change the investment certificate statement of any investment fund.
Conflicts of interest
From time to time, we or our underlying fund manager, may face an investment decision that may create a
conflict of interest between two or more of our investment funds. We will always try to make sure that any
decision we make treats the investment funds fairly and meets the objectives of the investment funds.
Our decisions in exceptional circumstances

In exceptional circumstances, we may temporarily stop creating units, or switching, withdrawing or valuing
them to protect your interests and those of other investors, unless the death benefit is due to be paid. Below
is a list of examples when this may happen.
– The unplanned closure of one or more of the main stock markets around the world.
– When valuations of or dealings in the assets of an investment fund are suspended.
– When the assets in an investment fund cannot be valued or invested according to the fund’s investment
aim.
This list does not cover every situation. We cannot stop creating units, or switching, withdrawing or valuing
them for longer than six months.
Below is a list of examples of some of the actions we may have to take:
– Close the investment fund to new money, or transfer the existing assets to new fund which has similar
investment objectives;
– change the name of the fund;
– split or combine existing units;
– suspend unit pricing;
– make any changes that may be required due to legislation and regulatory requirements; and we can
also limit the number of units in an investment fund that we sell on any one day.
This may limit the maturity benefit, withdrawal benefit or surrender benefit you can receive on any one day.
If we do this, we will apply the same limits to all customers. Any units not sold will be carried forward to be
sold on a future date depending on the limits we impose (if any).
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Your investment 15
Your participants’ savings account

We use your contributions, less any wakalah fees, to buy units in the investment funds you choose, and
we manage your units in your participants’ savings account. Any charges are paid out of your participants’
savings account, as well as any benefits.
Your contributions
We invest your contributions according to your investment fund choices.
Choosing your investment funds

When you applied for your certificate, you chose which of our investment funds you wanted to invest your
contributions into – this is the basis for your fund allocation rate. We will use this same fund allocation rate,
unless you ask us to change it. See the detailed example below.
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Your investment 16
We will invest each of your regular contributions according to your chosen fund allocation.
Month 1 Month 2
Regular Regular
contribution contribution
Investment fund %
Fund A 50% 50% 50% 50% 50%

Fund B 50%
You choose 50% Fund A and

Fund A Fund B Fund A Fund B
50% Fund B for your fund allocation.
We use your contributions to buy units

To carry out your investment choices, we buy units in the investment funds you chose.
The total value of your investment, called your participants’ savings account, is the sum of all your chosen
investment funds.
Changes to your participants’ savings account

How your participants’ savings account is affected by the unit price
The value of your investment will increase if the price of your units goes up after you buy it, and will
decrease if the unit price goes down. If you withdraw or surrender your certificate, you will receive a gain or
a loss depending on whether the unit price has increased or decreased over time.
How your participants’ savings account is affected by transactions

We allocate more units to your fund account when you pay your contribution. We cancel units in your fund
account to pay your tabarru’ charges, service wakalah charge, withdrawal benefit, or surrender benefit.
It’s important to note that the unit price will change each day, in line with the
value of assets the underlying fund has invested in.
Changing your investment choices

If you want to change your investment funds as your investment needs change over time, you can transfer
(switch) your existing investment into different investment funds or change the investment funds you want
your future contributions to be invested in (your fund allocation rate).
Transfer your existing funds (switch)

You can transfer (switch) some or all of your existing investments from one investment fund to another. We
may apply a charge for your switch.
If you want to change where your future contributions are invested, you need to change your fund
allocation rate.
Changing where your future contributions go (fund allocation rate)

You can change which investment funds your future regular contributions and top-up contributions (if any)
will be invested in (your fund allocation rate). The change will apply to any payments we receive after we
have processed your change in fund allocation rate.
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Your investment 17
Which investment change form do I need?
Change only where my Fill-in a fund switching form

existing investments are
Change only where I invest Fill-in a change of fund

I want to
my future contributions allocation rate form
Change both where my existing Fill-in a fund-switching

investments are and where form and a change of fund
I invest my future contributions allocation rate form
What you need to do

Transferring your existing funds (switching)
To switch your investment funds, you need to submit your request through our customer portal or tell
us in writing. Your switch needs to be in line with our rules, such as being above our minimum amount,
and having a minimum amount invested in an investment fund.

To change your fund allocation rate, you need to submit your request through our customer portal or
tell us in writing. Your new fund allocation rate needs to be in line with our rules, such as being above
our minimum amount, having a minimum amount invested in an investment fund, and if you choose
more than one investment fund, the total allocation must add up to 100%.
What we will do
Transferring your existing funds (switching)
We will sell units in the investment funds you are switching from, and buy units in the investment funds
you are switching to, after taking off any fund switching charge that applies.
When selling units in the old investment fund, we will use the unit price as on the next valuation point
after we receive your request.
When buying units in the new investment fund, we will use the unit price as on the next valuation point
following the receipt of monies post sell of your units.

We will invest the next regular contributions and top-up contributions (if any) that we receive in the
new investment funds you have chosen. This change will apply to all future regular contributions we
receive.
What unit price applies when buying or selling units

Unit prices change daily, so it’s important to know what unit price is used whenever units are bought or sold.
If we process your request to purchase units by investing or switching:
– before our processing cut-off time, the unit price will be based on the next valuation point after we
receive your request.
– For requests received after our processing cut-off time, the unit price will be based on the valuation
point applicable for next business day after we receive the request.
If we process your request to sell units withdrawing, surrendering, or switching:
– before our processing cut-off time, the unit price will be based on the next valuation point after we
receive your request.
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Your investment 18
– For requests received after our processing cut-off time, the unit price will be based on the valuation
point applicable for next business day after we receive the request.
A business day is any day other than a Saturday, Sunday or public holiday in
Malaysia or in the country where the relevant underlying fund is registered.
Working hours during the day
9 a.m. 4 p.m. 6 p.m.
Sell/purchase request Sell/purchase request
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19
Starting, changing, or ending your

certificate
This section explains when your certificate starts and ends,

and how to make changes to your certificate. We also outline
when you can reinstate your certificate after it has ended.
When your certificate starts

Your certificate starts on the issue date. Your cover starts on the commencement date.
Your certificate anniversary

When we refer to a certificate anniversary, we mean a 12-month period counted from the issue date. If we
need to count a year or month under your certificate, we start from the issue date.
Your certificate term

Your certificate will continue until the end of the certificate term shown in your Takaful schedule – as long as
your participants’ savings account has enough to pay any fees and charges due.
Changes to your certificate

You can ask us to make the following changes to your certificate, and we will make the changes by
providing an official written change (called an endorsement).
We are not bound by any change until we have issued an endorsement.
Changing your address, contact details, or who will receive the death benefit
You can change your address, contact details, the certificate owner, or who you have chosen to receive the
death benefit.
It is important that you tell us immediately about any of these changes, so that you keep enjoying the
benefits of your certificate cover.
What you need to do

– Submit your request through our customer portal; or
– provide us with the required form.
What we will do
– Review your request.
– Make the change, and tell you in writing, along with the date the change will take effect from.
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Changing the certificate owner

You can change the certificate owner at any time, as long as your certificate is active and the person
covered is alive. Any new certificate owner must have a permissible takaful interest in the person covered.
See page 25 (certificate owner) for more details.
We need to approve the change.
Assignment (transferring the benefits) of the certificate

You can transfer (assign) the benefits under this certificate to someone else. Any transfer will be subject to
our rules and regulations at the time, and may be subject to any applicable government charge or tax.
Transferring ownership to the person covered

The certificate owner can be changed to:
– the person covered if they are aged 16 years or older; or

– the legal guardian of a person covered who is under 16 years old.
This can happen while the certificate owner is alive, or at the time of the certificate owner’s death.
What you need to do

– provide us with the filled in required form
What we will do
– Review your request and the information you provide.
– Make the ownership change to the certificate (if we agree to the change).
– Tell the new certificate owner what their new contributions are, and when they are due.
Changing your contribution payment method or frequency

You can change:
– how often you pay your contributions (your contribution payment frequency); or
– the method of paying your contributions;
by telling us in writing.
What you need to do

– Provide us with the filled in required form
What we will do
– Review your request.
– Make the change, and tell you in writing, along with the date the change will take effect from.
Changing your nominees

You may nominate one or more persons to receive the death benefit either as an executor or as a
beneficiary under a conditional hibah, as the case may be, as stated in the nomination form. You can change
your nominees at any time. See page 26 (nominees) for more details.
What you need to do

– provide us with the filled in required form and any information we need.
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What we will do
– Make the change, if we agree to the change.
– Confirm your new nominees in writing.
Changing your sum covered

Increasing your sum covered
You have two options to increase your sum covered.
– You can increase your sum covered by 10% without needing to provide evidence of health when you
experience certain important life changes. See ‘life events increase option’ below. If we agree to
increase the new sum covered, it will be effective from next monthly anniversary of your plan.
– You can choose to have your sum covered automatically increased by 5% each year for up to 6 years by
activating the automatic yearly increase.
What you need to do

To increase your sum covered based on life events, you need to ask us in writing. You can also activate
the automatic yearly increase option through our customer portal or provide us with the filled in
required form. You and the person covered need to provide any information we ask for.
What we will do
– We will review your request and decide if we will accept or decline it.
– We may request further information from you before making our decision.
– We will assess your application according to the rules and procedures that apply at the time.
– If we agree to the change, we will provide an endorsement, and we will advise you of your new
contribution amounts (if any).
Life events increase option

You can apply to increase the sum covered by 10% within 90 days of the person covered having one of
the following life events, as long as you haven’t made a claim for the death benefit or total and permanent
disablement benefit.
Life event (person covered) Evidence required 90-day time limit starts from
Getting married Certified copy of marriage certificate The marriage date
Giving birth or adopting a child Certified copy of birth certificate or The birth or adoption
certified adoption papers
Purchasing a home as a Certified copy of the cover and The settlement date
permanent residence taking out first page of the home financing
a mortgage on that residence documents
Completing their first tertiary Certified copy of graduation The graduation date
education qualification documents
Starting their first paid job Confirmation letter from the person The job start date
covered’s employer
The life event must happen while your certificate is active, and we must receive evidence of the life event.
You can only increase your sum covered using the life events increase option once for each life event, and
only twice during the coverage term of your certificate. You will not be able to use the life events increase
option after you decrease your sum covered.
FWD Invest First

We will not approve any increase above the maximum certificate limits set by us.
What you need to do

To increase your sum covered using the life events option, you need to ask us in writing. You and the
person covered need to provide the evidence above, and any other information we ask for.
What we will do
– If we agree to the change, we will provide an endorsement, and we will advise you of your new
regular top-up contribution amounts (if any).
Automatic yearly increase option

You can apply to automatically increase your sum covered by 5% each year for up to 6 years. You will not
need to provide any health evidence. The automatic yearly increase will stop after the 6th increase.
The automatic increases will stop, and you will not be able to increase your sum covered using the
automatic yearly increase if any of the following happen.
– If your certificate ends or has lapsed.

– If you decrease your sum covered.
– If you claim under your certificate or any attached rider.
We will not increase your sum covered above the maximum certificate limits set by us.
Stopping the automatic yearly increase early

You can tell us in writing to stop the automatic yearly increase during the 6-year increase period. We will
need at least 30 days’ notice before the next yearly increase is due.
What you need to do

To start the automatic yearly increase option you can activate it in our customer portal or provide us
with the filled in required form. You and the person covered need to provide and any information we
ask for.
What we will do
– If we agree to the change, we will automatically increase your sum covered each year by 5%. Each
time we increase your sum covered, we will provide an endorsement, and we will advise you of
your new regular top-up contribution amounts (if any).
Reducing your sum covered

You can reduce your sum covered at any time. The reduced sum covered will start from next monthly
anniversary from the date we approve the reduction.
You sum covered cannot be under the minimum level that applies for your certificate.
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What you need to do

To reduce your sum covered, you need to submit the request through our customer portal, and tell
us what sum covered you would like or provide us with the filled in required form. You and the person
covered need to provide any information we ask for.
What we will do
– If we agree to the change, we will provide an endorsement.
Cancelling your certificate

You can end your certificate early (surrender) at any time. If you cancel your certificate, we will pay you the
surrender benefit (if any), and your cover will end from the date we pay you. See page 9 (surrender option)
for more details.
If you tell us to terminate your certificate within the 15-day free-look period, we’ll give you
a full refund (less medical expenses) – see page 3 (15-day free-look period) for more details.
When your certificate ends

Legacy The expiry date.
– The date your participants’ savings account balance is not sufficient to pay any fees and charges due.
– The date we approve your request to surrender your certificate.
– The date when the person covered has reached the cover expiry age.
– The next monthly anniversary after the date your participants’ savings account balance reaches zero,
unless the non-lapse facility applies. See below for more details.
– The date we are told to terminate your certificate by law or regulation.
5-year non-lapse facility period
You have a 5-year non-lapse facility with your plan in case your investment does not yield enough returns.
During the non-lapse facility period your certificate will not end if your participants’ savings account
balance reaches zero during the first 5 years of the certificate while all of the following are true.
– You have paid all regular contributions and any regular top-up contributions by the contribution due
date.
– You have not decreased your regular contributions.
– You haven’t made any withdrawals on your certificate.
– You have not increased your sum covered using the:
Auto increase option;
Life events option.
If any of the above do not apply, your certificate will end on the date your participants’ savings account is
not sufficient to pay any fees and charges due.
After the 5-year non-lapse facility
If, at the end of the 5-year non-lapse facility period, your participants’ savings account is not sufficient to
pay the contributions due, you will need to pay the additional contribution amount we tell you to keep your
certificate.
If you do not make the payment, your certificate will end.
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Reinstating your certificate

If your certificate ends because your participants’ savings account was not sufficient to pay any fees
and charge due, you can reinstate it within two years of it ending if we agree. You cannot reinstate your
certificate for any other reason (for example, if you surrendered your certificate).
To reinstate your certificate, you and the person covered will need to provide us with evidence of health,
and you will need to pay us a lump sum contribution made up of the following amounts:
– Any amounts you owe us.

– A contribution amount that covers the period from your reinstatement date to your next contribution
due date.
What you need to do

– Contact us.
– Provide a completed service request form. You need to select the reinstatement service option.
– Pay us the required contribution amount.
– Confirm that the health of the person to be covered still qualifies for cover (by answering the
questions in the service request form).
Any reinstatement shall only cover loss or covered event which occurs after the reinstatement date.
What we will do
– We will review your application, and if we are satisfied that you have met our requirements, we
will reinstate your certificate.
– If we reinstate your certificate, your cover will be reinstated from the date we tell you.
You will not be covered for any event that took place before your certificate is reinstated.
You can download any forms from our website fwd.com.my or by calling 1 300 13 7988.
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25
The main people under your

certificate
This section explains who may be covered under your certificate, what rights
they have, and how they are treated.
Person covered
This is the person we protect under this certificate. We will pay the sum covered if they suffer a death or
total and permanent disablement before the certificate ends. You can also be the person covered or you can
choose someone else such as your spouse or child. The person covered cannot receive any benefit under this
certificate, and cannot make changes to your certificate, unless you are certificate owner.
Certificate owner (you)

You (the takaful participant) own the certificate, and your details are shown in the Takaful schedule or
endorsement.
You are the only person who may make changes to, or enforce any rights under, your certificate. If you make
a change under your certificate, we will not check whether you have permission from anyone else to make
that change.
You will receive all of the benefits under the certificate, except for:
– the death benefit, which is paid to the nominees; and

– the contribution waiver benefit, which is a waiver of all regular contributions due after the person
covered becomes totally and permanently disabled.
You may nominate a person to receive the benefits payable upon the person covered’s death under this
certificate either as an executor or beneficiary. See page 26 (nominees) for more details.
You must have a permissible takaful interest in the person covered:
– when the certificate starts;

– at all times when the certificate is in place; and
– when a benefit is payable for a person covered.
You have a permissible takaful interest in the person covered if:
– the person covered is your spouse or your child;
– the person covered is less than 16 years old and your legal ward;
– The person covered is dependent (in whole or part) on you for maintenance or education when the
certificate started.
– The person covered is your key employee.
If you do not have a permissible takaful interest

If we become aware that you do not have the required permissible takaful interest in a person covered
we must follow the guidelines of Bank Negara Malaysia. This may mean that we may pay you an amount
of money specified by Bank Negara Malaysia, and when we make that payment, your certificate will be
deemed to be terminated.
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The main people under your certificate 26
Certificate ownership if you die

If you (the certificate owner) die, we will do one of the following:
Transfer ownership of the certificate

– At the request of the person covered, we will transfer the ownership of the certificate to the person
covered, if the person covered is your spouse or your child (and they are 16 years or older).
– If your child is the person covered and is still a minor, the guardian of your child can ask us to transfer
ownership of the certificate to the guardian.
Keep your certificate in place

– If you have taken up the FWD payor rider or the FWD payor lite rider and you are not the person
covered, your certificate and cover will continue. We will waive all regular contributions that become
due to be paid under your certificate from the date we tell you.
Nominees
This is a person (or people) who will receive some, or all, of the death benefit under this certificate. You can
choose up to 5 beneficiaries, and the share of the death benefit that each beneficiary will receive.
If you do not choose nominees, you or your estate will receive the death benefit.
Nominees cannot make changes to your certificate.
Choosing your nominees

You have the following options for your nominees.
– You can appoint one or more nominees, and you may decide how much of the death benefit each
nominee will receive.
– You can choose for them to receive the benefit as an executor (wasi) or as a beneficiary (under a
conditional hibah).
You should regularly check if your nominees and nomination method are still appropriate. You can change
your nominees and nomination method by telling us in writing.
Types of nominees
When you choose your nominees, you classify them either as:
– an ‘executor’ – you can make someone an executor, and we will pay the takaful benefit to the executor
of your estate. The executor must distribute the takaful benefits in accordance with your will and the
applicable law; or
– a ‘beneficiary’ – you can make someone a beneficiary under a conditional hibah (gift) and the takaful
benefit will be paid to the beneficiary. That benefit will not form part of your estate.
Changing your nominees

Only you (the certificate owner) can change the nominees. See page 20 (changing the nominees for how to
do this).
Death benefit payment rules

We have rules for who we pay the death benefit to if your nominees aren’t alive when the death benefit
becomes payable. These are shown below.
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The main people under your certificate 27
If you are the certificate owner as well as the person covered:
No living nominees If you have not chosen a nominee, or if the sole nominee dies before you and is
not replaced, we will pay the death benefit to your estate.
If a nominee dies If a nominee dies before you (the person covered), we will pay their share of the
before you (the death benefit to your estate.
person covered)
If a nominee dies If a nominee dies after you, and we haven’t yet paid the takaful benefits to them,
before the benefits we will pay the takaful benefits to:
are paid
– your estate, if the nominee is an executor; or
– the estate of the deceased nominee, if the nominee is a beneficiary under
conditional hibah.
If you are the certificate owner and someone else is the person covered:
No living nominees If you have not chosen a nominee, or if the sole nominee dies before you and is
not replaced, we will pay the death benefit to you.
If a nominee dies If a nominee dies before the person covered, we will pay their share of the death
before the person benefit to you.
covered
If a nominee dies If a nominee dies after the person covered, and we haven’t yet paid the takaful
before the benefits benefits to them, we will pay the takaful benefits to:
are paid
– you, if the nominee is an executor; or
– the estate of the deceased nominee, if the nominee is a beneficiary under
conditional hibah.
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28
Making a claim
Need to make a claim? Read this section to find out what you need to do.
How to claim
Call our Service Hotline at 1 300 13 7988 to make a claim.
Tell us as soon as possible

You should tell us as soon as possible if you need to make a claim under your certificate.
To make sure we are able to assess your claim quickly, we ask that you call us, and let us know that you will
be claiming under your certificate. Your claim forms do not have to be sent at this time. Your claim won’t be
affected if there were good reasons why you couldn’t send us your claim on time.
We’re here for you

We understand that dealing with the disability or death of a loved one is difficult – you can always call our
Service Hotline at 1 300 13 7988 for help with a claim.
When we will not pay any benefit

Your cover for the:
– death benefit;
– total and permanent disability benefit; and
– waiver of contribution benefit;
is subject to certain exclusions, meaning situations where we won’t pay the benefit. We list below the
exclusions that apply to the benefits under your certificate.
We may also apply specific exclusions to your certificate when we offer to issue your certificate. If any
specific exclusions apply, we will record the details in a certificate endorsement.
We pay the total participants’ savings account

If an exclusion applies, the certificate will end, and we will pay the total participants’ savings account value
to:
– you (for a total and permanent disability benefit claim); or

– your nominees (for a death benefit claim).
Suicide or self-inflicted act We will not pay the death, total and permanent disability, or waiver
of contribution benefit under this certificate if the claim arises from
suicide, attempted suicide or an intentional self-inflicted act by a
person covered within one year from:
– the start of your certificate, or the date we last reinstated your

certificate; or
– the date we last approved an increase in the death benefit under
your certificate.
This applies regardless of the person covered’s mental state.
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Making a claim 29
Unlawful acts We will not pay the death, total and permanent disability, or waiver of
contribution benefit under this certificate if the claim arises because
you or a person covered wilfully participated in an unlawful act, or
unlawful failure to act.
War We will not pay the death, total and permanent disability, or waiver
of contribution benefit under this certificate under this certificate if
the claim is a result of an act of war (whether declared or not), coup,
revolution, riot, or any similar event.
Filling-in your claim form

We will provide the forms that need to be filled-in to make a claim. Claims must be made on forms provided
by us together with written supporting documents and any other information and documents that we ask
for. We will not be able to process a claim until we receive this information and the filled-in claim form.
You should make every effort to send your claim to us within 6 months of the illness or death being claimed
for, as it is difficult to assess claims after this period.
Additional support when you need it

We provide the following additional support to the person covered or their family.
Service Amount payable Who can claim
Badal Hajj We will arrange, and pay for, The administrator or executor of the person
the Badal Hajj from our panel of covered, if the person covered did not perform
service providers.* Hajj before their death.
For non-Muslims we will pay RM or

2,000 as lump sum benefit.
The nominee who receives a death benefit
under this certificate, if the person covered did
not perform Hajj before their death.
For non-Muslims it will be the administrator or

executor of the person covered.
Grief counselling We will pay for up to 10 The immediate family of the person covered if
counselling sessions with a grief they were to die.
counsellor from our panel.
Legal services We will pay for up to 3 legal The administrator or executor of the person
advice sessions with a legal covered, if person covered were to die.
adviser from our panel.
or
The nominee (or nominees) who receives a

death benefit under this certificate.
* where as we reserve the right to pay this benefit in cash for an amount of RM2,000.
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Making a claim 30
Terms and conditions that apply to the services
FWD is not the service provider

The Badal Hajj, grief counselling, or legal, services are provided by an independent third party service
provider, and not by us. While we make every effort to source the best service providers, we do not endorse
their services and do not guarantee their quality, and we are not responsible for any act or failure to act on
the part of the service provider.
Our responsibilities
We are only responsible for arranging and paying for the services according to the benefit terms below. When
we have arranged for the services (if such services are available in your area), and paid the benefit amounts,
we have satisfied all of our responsibilities. Any services provided by the independent service providers will
be done so under the terms of that service provider – claimants should review those terms carefully before
accepting any services.
We may change or remove the services by telling you in writing

We may change the terms of the Badal Hajj, grief counselling, or legal, services at any time after your
certificate starts. This includes removing any or all of the services, or replacing any or all of the services with
alternative services. If we do so, we will give you at least 3 months’ notice in writing before the change.
Badal Hajj
If the person covered were to die during the certificate term, their estate can ask us to arrange Badal Hajj on
behalf of the person covered.
If we approve, we will arrange, and pay for, a Badal Hajj for the person covered through our panel of service
providers. A Badal Hajj certificate of completion will be provided upon completion of the Badal Hajj.
If you are a non-Muslim and if you were to die during the certificate term, your estate can claim RM 2,000 as
lump sum benefit along with other monies payable under this certificate.
What you need to do

– Contact us.
– Provide us with the required form and any supporting documentation we ask for.
Grief counselling
If person covered were to die during the certificate term, we will also provide the immediate family of the
person covered with grief counselling services.
We will arrange, and pay for, up to 10 counselling sessions (1 hour long) through our panel of service providers.
If we don’t have a grief counsellor in a nearby city, claimants can arrange for their own grief counsellor.
Maximum of 10 counselling sessions
We provide a maximum of 10 counselling sessions under this certificate.
Maximum amount of RM 2,000 for all counselling sessions
We will reimburse the actual amounts charged for up to 10 counselling sessions, until the total amount
charged reaches RM 2,000. We will not pay more than RM 2,000 for all counselling sessions provided
under this certificate.
What you need to do

– Contact us.
– Provide us with the required form and any supporting documentation we ask for.
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Making a claim 31
Legal services
If we pay the death benefit, we will arrange, and pay for, legal support through our panel of legal advisers. If
we don’t have a legal adviser in a nearby city, claimants can arrange for their own legal adviser.
Maximum of 3 legal advice sessions in total
We provide a maximum of 3 one hour legal advice sessions under this certificate.
Maximum amount of RM 2,000 for all legal advice sessions
We will reimburse the actual amounts charged for up to legal advice sessions, until the total amount
charged reaches RM 2,000. We will not pay more than RM 2,000 for all legal advice sessions provided
under this certificate.
We check the age and gender before paying

We will not pay any benefits under your certificate until we have checked that the age and gender of the
person covered matches the information we have been given by you.
Costs of preparing your claim

We are not responsible for any of the costs of filling in any form or getting any documents, such as death or
other certification. We will not pay for or reimburse you for any of these costs.
How we pay your claim

Currency
All amounts paid to us, or by us, will be paid in the currency shown in your Takaful schedule. We will not pay
any interest on any benefits under this certificate.
Who we pay
We pay the maturity benefit, withdrawal benefit and surrender benefit to you.
If you are the certificate owner as well as the person covered:

– We pay the total and permanent disability benefit to you.
– We pay the death benefit to your nominees, or your estate (if there are no nominees). See page 26
(nominees) for more details.
– We don’t pay the waiver of contribution benefit to you – you will not need to pay any regular
contributions from the date we pay the total and permanent disability benefit.
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32
$ Your contributions
This section explains your contributions and what

happens if you miss paying a contribution.
Paying your contribution

It is important to pay your contributions on time so your certificate stays active and the person covered
continues to be covered. We outline below how you can pay your contributions and what happens if you
don’t pay.
Amount and due date

Your current Takaful schedule shows the amount you need to pay and the due date for your contribution
payments.
Contribution rates are not guaranteed

The contribution rates stated in your Takaful schedule are not guaranteed. This means we can ask you to
pay additional contribution by giving you 3 months’ notice in writing. This may happen if we think your
participants’ savings account won’t be enough to pay any fees and charges due.
Payment frequency options

You have the following payment frequency options:
– Annually in one lump sum.
– Half-yearly in two instalments.
– Quarterly in four instalments.
– By-monthly instalments.
You can change your chosen method any time. See page 20(changing your contribution payment method
or frequency) for how.
Payment method options

You can pay your contribution to us by any of the following:
– Auto-debit from a credit or debit card.
– Auto- direct debit from a bank account.
– Bank transfer.
– Electronic payment.
You can change your chosen method at any time.
Regular contribution
You need to pay your regular contributions by the contribution due date based on your chosen payment
frequency. You need to pay your regular contributions for the number of years shown in your Takaful
schedule.
What we do with your regular contribution

Your regular contribution pays for any wakalah fees and is then invested in your chosen investment funds to
help achieve your investment goals. We deduct tabarru’ charges from your participants’ savings account for
your protection benefits. See page 12 (our investment funds) for more details about our investment funds.
We will use the amount of your first regular contribution, less any wakalah fees which may apply, to buy units
in each investment fund you have chosen, using the unit price as on the next valuation point after we approve
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Your contributions $ 33
your certificate.
For the regular contributions we receive afterwards we will use the amount of your regular contribution, less
any wakalah fees, to buy units in each investment fund you have chosen, using the unit price as on the next
valuation point after we receive your regular contribution.
See page 17 (What unit price applies when buying or selling units) for more on how the unit price is applied.
Changing your regular contribution amount

You can change your regular contributions by applying to us or through our customer portal.
What happens if you miss paying your regular contribution?

You need to pay regular contributions by the contribution due date. We give you a 60-day grace period to pay.
If you have not paid within the 60-day grace period, one of the following will happen.
If your participants’ savings account is sufficient to pay Your savings account is not sufficient to pay
any fees and charges due any fees and charges due
Your certificate and rider benefits will continue. Your certificate and rider benefits will end from
the next monthly anniversary.
We will take the following amounts from your
participants’ savings account:
If your certificate ends because you missed
– contribution holiday charge (if your certificate is less a contribution payment, you can apply to
than 3 years old; reinstate it. See page 24 (reinstating your
– tabarru’ for any riders you have added to your certificate) for more details.
certificate;
Paying after you miss a regular contribution

If you have any missed regular contribution payments, you can still continue to pay your regular contributions
afterwards, as long as your certificate is active.
Regular top-up contribution

You may have chosen to pay regular top-up contributions when you applied for your certificate. If you did,
you need to pay your regular top-up contributions at the same time as your regular contribution. This means
you have to pay by the contribution due date based on your chosen payment frequency (monthly, quarterly,
half-yearly, or yearly).
Amount of your regular contribution

Your regular top-up contribution amount is chosen by you.
What we do with your regular top-up contribution

We will use the amount of your first regular top-up contribution, less any wakalah which may apply, to buy
units in each investment fund you have chosen, using the unit price as on the next valuation point after we
approve your certificate..
For the regular top-up contributions we receive afterwards we will use the amount of your regular top-up
contribution, less any wakalah, to buy units in each investment fund you have chosen, using the unit price as
on the valuation point after we receive your regular top-up contribution.
See page 17 (What unit price applies when buying or selling units) for more on how the unit price is applied.
Changing your regular contribution top-up amount

You can change your regular top-up contribution by applying to us. See page 33 (changing your contributions)
for more details.
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What happens if you miss paying your regular top-up contribution?

If you miss paying a regular top-up contribution, your certificate will continue, so long as you pay your regular
contributions, or any fees and charges due under your certificate are paid.
Restarting your payments: You can pay your regular top-up contribution after missing any regular top-up
contribution payments, along with your regular contributions.
Paying missed payments: If you have any missed regular top-up contribution payments, you can pay
some or all of your missed contributions as long as your certificate is active – but you must pay any
overdue regular contribution payments first. The minimum amount that you can pay is one regular top-up
contribution.
If you want to pay more than all your missed contribution (regular contribution plus regular top-up
contribution), you need to submit an application to pay a lump sum top-up contribution (for the amount
above your missed contribution). See ‘lump sum top-up contribution’ below.
Lump sum top-up contribution

At any time you can apply to pay a lump sum top-up contribution to grow your investment faster. A lump
sum top-up is an unscheduled, additional contribution payment to your certificate.
Amount of your lump sum top-up contribution

You choose the lump sum amount you want to pay.
What we do with your lump sum top-up contribution

If we accept your application we will use the amount of your lump sum top-up contribution, less the wakalah
charge, to buy units in each investment fund you have chosen. We will use the unit price as on the valuation
point after we receive your lump sum top-up contribution.
Changing your contributions

If your contributions need change, you can submit a certificate change form to us to change:
– the amount of your regular contributions or regular top-up contributions (if any); or
– how often you regularly pay your contributions (the mode of contribution payment);
Any change in the mode of contribution payment will take effect from the next contribution due date. We
may require additional forms and information to process your request.
Your certificate is not changed unless we have given you an endorsement.
What you need to do

Changing the amount of your regular contributions
To change the amount of your regular contributions or regular top-up contributions (if any), you
need to fill out a certificate change form, and tell us your new regular contribution or regular top-up
contribution amounts.
Changing the frequency (mode) of contributions payment
To change how often you regularly pay your contributions, (the mode of contribution payment) you
need to tell us in writing or call our Service Hotline at 1 300 13 7988.
What we will do
We will review your application and decide whether to accept it. If we approve, we will provide a letter
documenting the change.
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35
Fees and charges
This section explains all of the fees and charges that apply
under your certificate, and when we take them. You
can find the charges in your Takaful schedule.
Fees and charges apply on two levels, certificate level, and underlying fund level. You pay the certificate
level charges to us, and the underlying fund level charges are included in the unit price of the underlying
funds.
Certificate level
Fees and charges on the certificate level are taken by us from your contributions or savings account.
Service wakalah We will deduct this fee on each monthly anniversary, by taking units from your
charge investment funds.
Stamp duty You will pay this in addition to your first contribution to start the certificate.
Wakalah fee We manage all takaful certificates on behalf of you and the other participants on
the basis of wakalah.
Wakalah is the appointment by one party

of another to act on their behalf.
Each contribution you make will attract a wakalah fee. The wakalah fee will be
deducted from your contributions and the remainder of the contributions will be
distributed into the participants’ savings account and participants’ risk fund.
The exact percentage and amount of the wakalah fee you pay is shown in your
Takaful schedule.
Switching charge This is a charge that applies whenever you change (switch) your investment from
one investment fund to another.
Tabarru’ This is a donation paid by you and is placed in the participants’ risk fund.
We will deduct tabarru’ from your participants’ savings account.
The tabarru’ rates are not guaranteed. This means we can change it by giving you 3
months’ notice in writing.
Contribution holiday This is a charge we deduct (if your certificate is less than 3 years old) and if you do
charge not pay your regular contributions. It will be 2% of missed contributions.
Underlying fund level

Charges on underlying fund level are levied by the underlying fund managers. You do not pay these fees
directly.
Fund management When the unit price is calculated, the fund management charges are taken into
wakalah charge consideration. The amount of the fund management charge is a percentage of
your investment fund balance, and is different for each investment fund.
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37
Keeping it legal
In this section, we explain the important legal rights

and obligations under your certificate.
Governing law
Your certificate is a takaful contract between you and us, and is governed by the laws of the
Malaysia, including any circulars, directives or guidelines given by Bank Negara Malaysia.
The laws of Malaysia will prevail if there is any conflict between them and your certificate.
Changes to your certificate to comply with the law
We have the power to make any changes to your certificate required to comply with the law. If we need to
make a change, we will give you written notice.
Certificate language
The terms of the certificate signed by you (whether in English or Bahasa) will form the basis of your takaful
contract with us.
We rely on your information

Read all parts of your certificate to make sure they are correct
This certificate is based on the information you gave us during the application process. It is important that the
information is correct, and you and the person covered were truthful and accurate with all of the information
you provided. This information helped us to decide if you and the person covered were eligible for the
certificate, and how much you need to pay.
You should let us know immediately if the information you or a person covered gave us during the application,
was inaccurate, misleading, or exaggerated. You should also let us know immediately if the information you or
a person covered gave us changes after your certificate is active.
You need to provide correct and complete information

You and the person covered have:
– a duty of disclosure;
– a duty to take reasonable care not to make a misrepresentation; and
– a duty to take reasonable care when answering our questions, or when you or the person covered
confirm or amend any information you have given to us.
If you don’t, we may dispute your claim, and your benefits under your certificate may be affected. In some
cases we may cancel the certificate under the remedies provided in the Islamic Financial Services Act 2013.
See page 38 (disputing payments) for more details.
If we were given the wrong age and gender

If we discover that we were given the wrong age or gender for you or another person covered, we will first
work out the benefit amounts that your contributions would have bought if we had been given the correct
age and gender when you applied.
We will then adjust the amount of the benefit to reflect this new benefit amount.
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Keeping it legal 38
If you or the person covered was not eligible for takaful protection at their correct age and gender, we
can declare that the certificate is void. If we do, we will cancel your certificate and treat it as having never
existed. We will refund any contribution paid without interest, after taking off any benefits we have paid.
If you need to change your information, or if you have any questions, please call 1 300 13 7988.
Disputing payments
We can dispute the validity of your certificate in certain circumstances outlined Schedule 9 of the Islamic
Financial Services Act 2013. If we do, we can declare that the certificate is void and treat it as having never
existed. You will not be entitled to any certificate benefits.
If you or a person covered:
– did not provide accurate and truthful information;

– gave us misleading or exaggerated information; or
– made any misrepresentation;
we can dispute any claim within the first two years of the certificate.
The two years starts from the commencement date, and it restarts from the date your certificate is
reinstated.
– made a fraudulent statement on a material matter; or

– fraudulently suppressed or omitted a material fact;
within your application, we can dispute any payment at any time.
Material matters and facts

A material matter or material fact is one that would have caused us to:
– refuse to issue the certificate to you; or

– ask you to agree to special terms on your certificate before we issue the certificate;
if you or a person covered had told us about it.
What we will do
– If we dispute your certificate, we will review your certificate and decide if we have any reason to
declare it void. If we do, we will cancel it and treat it as having never existed.
– We will refund the contributions paid without interest, after deducting any amount owed. If a
benefit has been paid, we will recover that benefit.
Anti-Money Laundering, Anti-Terrorism Financing

and Proceeds of Unlawful Activities Act 2001
We may need to freeze or seize any monies received or payable under your certificate:
– at the order of the relevant authorities; or

– if we discover, or if we have reasonable suspicion that, you are sanctioned under any competent
authorities recognised by us, for money laundering activities or activities relating to financing terrorism;
under the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001.
If this happens, we will end your certificate and the cover under it immediately. We will deal with all
contributions paid and all amounts payable under your certificate in any manner we deem fit, which may
include handing it over to the relevant authorities.
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Keeping it legal 39
Notice under the Personal Data Protection Act 2010

This refers to the Notice to Customers Relating to the Personal Data Protection Act 2010 (‘PDPA notice’)
attached to your certificate.
You and the person covered agree to the content of the PDPA notice, as well as consent and authorise us to
the collection, processing and sharing of all your personal data, such as:
– your full name, and the full names of the persons covered;
– your identity card number;
– your address details; and
– your medical records;
as stated in the PDPA notice.
Your right to ask for more information

You or the person covered can ask us to see, or correct, the personal data we hold. You or the person
covered can also ask us for information about:
– our personal data protection policies and practices; and

– the kinds of data held by us.
You need to fill-in and send us a data access request form.
Your right to ask us to stop using your personal data

You or the person covered have the right to ask us to stop using the personal data under your certificate. If
you (or they) do ask us to stop, we will:
– stop using your personal data, and destroy it (unless we are required to retain it by law);
– end the certificate; and
– deduct the amount for your period of cover and the administrative fee from any contribution you’ve
paid, and refund you what is left.
To ask us to stop, you or the person covered need to send us a request in writing.
Changes to the PDPA notice

We may amend the PDPA notice at any time, and the changes will apply to you and the person covered. If
we do make a change, we will communicate the change on our website, or by another method we choose.
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40
Important words and phrases
The list below explains the meanings of important

words and phrases shown in your certificate.
Certificate All of the documents listed below.
– This certificate.
– Your Takaful schedule.
– Your signed application form and any documents you provided with it.
– Any endorsement to your certificate.
Certificate anniversary A 12-month period counted from the issue date.
Commencement date The date cover starts under your certificate. This date is shown in your
Takaful schedule.
Contributions The payments made by the takaful participants from which assistance to
takaful participants is given and fees to the takaful operator are paid.
Cover expiry age The age when cover ends for a person covered.
Endorsement An extra document attached to your certificate that outlines any

adjustments that we make to your certificate.
Expiry date The date that your certificate ends. The expiry date is shown in your Takaful
schedule.
Issue date The date the first contribution is due and the date your certificate starts.
This date is shown in your Takaful schedule.
Investment fund A Shariah-compliant fund we provide that we invest your contributions in.
Owner, or certificate You, the person who owns this certificate. Your details are shown in the
owner Takaful schedule or endorsement. We also use the term ‘you’, or ‘your’ in
this certificate.
Participants’ risk fund The fund we operate in accordance with the principles of Shariah for the
collective benefit of all participants.
Participants’ savings The account where we use funds to invest in Shariah-compliant

account investments.
Person covered The person covered by this certificate and shown on the Takaful schedule.
Shariah Means Islamic law.
Any interpretations and decisions about Shariah regarding your certificate

will be made our Shariah committee, and they are binding on us and you.
Shariah committee The committee formed by us to make sure that our takaful business
complies with the Shariah principles.
FWD Invest First

Sum covered The amount you or the nominees will receive if the total and permanent
disability and death benefits are paid. The sum covered is shown in the
certificate schedule.
Surplus The excess of the participants’ risk fund carried forward less actuarial
liabilities.
Tabarru’ A donation or gift, whereby the takaful participant agrees to relinquish as

donation all or a certain portion of his contributions to the takaful fund to
provide mutual help and joint guarantee to other takaful participants.
Takaful schedule The document attached to your certificate. It shows important information
about your certificate, including the following:
– Certificate number.
– Certificate owner and person covereds’ details.
– Your contribution details.
– The benefits of your certificate and the sum covered.
Total and permanent For a person covered under age 70 who is working for remuneration
disability when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury which has
caused them to be unable to work for at least six months in a row, and to be
totally and permanently unable to engage for profit or reward in:
– the occupation they were engaged in when the illness or injury first
happened; and
– any occupation they are is suited to base on their education,
experience, or training.
For a person covered under age 70 who is not working for remuneration
when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury that has caused
them to be unable to work for at least six months in a row, and totally and
permanently unable to perform at least 3 of the activities of daily living
without the assistance of another person.
For any person covered up to age 74:
Means the person covered has suffered the total and irrecoverable loss of:
– the sight of both eyes; or

– the sight of one eye and the loss of use of one limb at above the ankle
or wrist; or
– both hands at or above the wrists;
– both feet at or above the ankles; or
– one hand at or above the wrist and one foot at or above the ankle
Unit A share of our investment funds which you can buy.
Unit price The price that we determine for an investment fund unit.
Wakalah A contract where a party, as principal (muwakkil) authorises another party

as his agent (wakil) to perform a particular task on matters that may be
delegated, with or without imposition of a fee.
FWD Invest First

Wakalah fee The fee for carrying out the authorised task or matters that have been
delegated to him (agent).
We, us, and our FWD Takaful.
You, and your The certificate owner. Your details are shown in the Takaful schedule.
FWD Invest First

FWD Critical Illness Rider
MY Takaful Rider
fwd.com.my
FWD Critical
This FWD CriticalIllness
IllnessRider
Riderisisan
an‘Endorsement’
‘Endorsement’toto Certificate
Certiﬁcate No.
No. L0660687
XXXXXX
b
Quick reference
FWD Critical Illness Cover 1
Part of your certificate 1
Who’s covered under your rider 1
Words with special meaning 1
Your rider benefits 3

Summary of your benefits 3
Detailed rider benefits 3
Amount and due date 5
Contribution rates are not guaranteed 5
When you need to pay your rider contributions 5
Your payment term must the same or less than your takaful certificate 5
What happens when you miss a contribution? 5
Refund of contributions after we approve a claim 6
Contributions must be paid until we approve the claim 6
Making a claim 7
What we don’t cover 7
Starting or ending your critical illness cover 8

When cover starts under your rider 8
When your rider cover ends 8
Refund of unused rider contributions if it ends early 8
Reinstating your rider 8
Keeping it legal 10
Disputing payments 10
Material matters and facts 11
Notice under the Personal Data Protection Act 2010 11
Your right to ask for more information 11
Your right to ask us to stop using your personal data 11
Changes to the PDPA notice 11
Medical definitions for covered critical illness 12

1
FWD Critical Illness Cover

Thank you for choosing FWD. We’re pleased to be protecting
you, so you can focus on living life to the fullest.
This rider provides additional protection if the person covered suffers a critical illness.
Part of your certificate

This rider becomes part of your certificate if we have agreed to provide it to you. The details of your critical
illness cover will be shown in the FWD Critical Illness Rider Takaful Schedule attached to your certificate.
All of the other terms of your certificate will also apply to this rider.
Who’s covered under your rider

Person covered
We will pay the sum covered if the person covered suffers the covered condition due to accident or illness
while this rider is in place, before the rider ends.
The person covered under this rider is the same as the person covered under your certificate. The person
covered cannot receive any benefit under this rider, and cannot make changes to your rider, unless the person
covered also the certificate owner.

The list below explains the meanings of certain words and phrases used in this document.
Accident An accident is the abrupt, violent, unexpected and unwanted visible

contact between the person covered and another object or substance. It
does not include an illness, degenerative process or any other naturally
occurring condition.
Activities of daily living The following activities.

– Transfer: The ability to get in and out of a chair without requiring
physical assistance.
– Mobility: The ability to move from room to room without requiring
physical assistance.
– Continence: The ability to voluntarily control bowel and bladder
functions such as to maintain personal hygiene.
– Dressing: The ability to put on and take off all necessary items of
clothing without requiring the assistance of another person.
– Bathing/Washing: The ability to wash in the bath or shower (including
getting in or out of the bath or shower) or wash by any other means.
– Eating: All tasks of getting food into the body once it has been
prepared.
Critical illness Critical illness means you are certified by a medical practitioner as suffering
any of the conditions in the ‘critical illnesses covered’. (Please refer to ‘Your
rider benefits’ on page 3) We provide detailed definitions of each condition
under ‘medical definitions for critical illness.
Your rider cover

FWD Critical illness cover 2
Medical practitioner A person who has a medical degree, and is licensed or registered in
Malaysia to practise western medicine.
A medical practitioner cannot be any of the following people unless we
agree in writing.
– A person covered.
– Spouse or relative of a person covered.
Totally and permanently For a person covered under age 70 who is working for remuneration
disabled when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury which has
caused them to be unable to work for at least six months in a row, and to be
totally and permanently unable to engage for profit or reward in:
– any occupation they are is suited to base on their education,
experience, or training.
For a person covered under age 70 who is not working for remuneration
when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury that has caused
them to be unable to work for at least six months in a row, and totally and
permanently unable to perform at least 3 of the activities of daily living
without the assistance of another person.
For a person covered at any age up to age 74:
– the sight of both eyes; or
– the sight of one eye and the loss of use of one limb at above the ankle
or wrist; or
– the loss of:
– both hands at or above the wrists;
– both feet at or above the ankles; or
– one hand at or above the wrist and one foot at or above the ankle
Your rider cover

3
Your rider benefits

In this section, we explain what benefits you are covered for, and any
specific exclusions or conditions that apply to those benefits.
Summary of your benefits

This section describes the main benefits of your rider. It is a guide to your takaful plan. To understand the
full details about what we pay and how we pay it, you should read the following section (detailed rider
benefits).
You can claim the following benefit while the rider is in place.
We will pay you 100% of the rider sum covered if the person covered
suffers 1 of the 36 critical illnesses.
Critical illness benefit
Detailed rider benefits

Your rider provides the following protection benefits. These benefits are provided in addition to your
certificate benefits, and you need to pay a separate contribution to keep this protection in place.
Critical illness benefit

We will pay you 100% of the sum covered if the persons covered:
– is first diagnosed with a critical illness that is a medical condition; or
– first undergo the medical procedure, if the critical illness is a medical procedure;
while covered under the rider. The person covered must live for at least 30 days after the diagnosis or
procedure.
Cover for critical illnesses will end for the person covered when the critical illness benefit is payable.
Your rider cover

Critical illness requirements

We won’t pay any critical illness benefit, if the signs or symptoms leading to diagnosis became apparent
to the person covered in the period below:
– Cancer, cardiovascular conditions and tumors
Before or within 60 days after the certificate commencement date or reinstatement date or sum
covered increase date (for the increased amount).
– Other conditions
Before or within 30 days after the certificate commencement date or reinstatement date or sum
covered increase date (for the increased amount).
The above applies even if the signs or symptoms were not apparent to the person covered, if they would
have been apparent to a reasonable person in the same place.
Critical illness covered
1. Heart attack 20. Kidney failure

2. Alzheimer’s disease or severe dementia 21. Loss of independent existence
3. Bacterial meningitis 22. Loss of speech
4. Benign brain tumor 23. Major head trauma
5. Blindness 24. Major organ or bone marrow transplant
6. Brain surgery 25. Motor neuron disease
7. Cancer 26. Multiple sclerosis
8. Cardiomyopathy 27. Muscular dystrophy (over age 11 only)
9. Chronic aplastic anaemia 28. Paralysis of limbs
10. Coma 29. Parkinson’s disease
11. Coronary artery by-pass surgery 30. Primary pulmonary arterial hypertension
12. Deafness 31. Serious coronary artery disease
13. Encephalitis 32. Stroke
14. End-stage liver failure 33. Surgery to aorta
15. End-stage lung disease 34. Systemic lupus erythematosus with severe kidney
16. Full-blown AIDS complications
17. Fulminant viral hepatitis 35. Third degree burns
18. Heart valve surgery 36. Terminal illness
19. HIV infection due to blood transfusion
What we pay
We will pay the critical illness benefit amount shown in FWD Critical Illness Rider Takaful Schedule,
after taking off any amounts you owe us.
Your rider cover

5
Your contributions
This section explains your contributions and what
happens when you miss paying a contribution.
Your contributions are the amount you pay for your protection. It is important to pay your contributions on
time so your rider stays active and the person covered continues to be covered.
Your contributions pay for any wakalah fee (the fee you pay us for acting as your agent) and your tabarru’
(the donation you pay for takaful) charges. The amounts are shown in your FWD Critical Illness Rider
Takaful Schedule.
We have outlined how you can pay your contributions and what happens if you don’t pay.
Amount and due date

Your FWD Critical Illness Rider Takaful Schedule shows the amount you need to pay and the due date for
your contribution payments.

The contribution rates stated in your FWD Critical Illness Rider Takaful Schedule are not guaranteed. This
means we can change the contribution rates by giving you 3 months’ notice in writing.
When you need to pay your rider contributions

You need to pay your contributions for this rider at the same time as you pay your contributions for your
takaful certificate (annually, half-yearly, quarterly, or monthly).
You can change your chosen method any time – if you do, then your contributions for both certificate and
rider will be changed. Please refer to “changing your contribution payment method or frequency” in your
base certificate for how.
Your payment term must be the same or less than your takaful certificate
Your payment term is how long you need to pay your rider contributions for. You choose the payment term
when you take up your rider.
What happens when you miss a contribution?

You need to pay your rider contributions and the certificate contribution by the due date. We give you a 60-
day grace period to pay.
– If your takaful certificate does not have participants’ savings account and if you have not paid the full
contribution amounts due, both your takaful certificate and rider will terminate after grace period.
– If your takaful certificate has participants’ savings account then we will deduct the tabarru’ amount due
from it after the grace period.
If you do not have enough funds in your participants’ savings account to pay your rider and certificate
tabarru’, then both your certificate and your critical illness cover will end.
Your rider cover

If your participants’ savings account is sufficient Your participants’ savings account is not
to pay any fees and charges due sufficient to pay any fees and charges due
Your certificate and rider benefits will continue. Your certificate and rider benefits will end from
the next monthly anniversary.
We will take the following amounts from your
participants’ savings account. If your rider ends because you missed a
contribution payment, you can apply to reinstate
– contribution holiday charge (if your certificate is
it. See page 8 (reinstating your rider) for more
less than 3 years old);
details.
– the tabarru’ for this rider, and any other riders
you have added to your certificate.
Refund of contributions after we approve a claim

If we accept a claim for the critical illness benefit, we will refund prorated contributions paid to us after the
incidence date.
Any refunded contribution amount will be paid on top of the other amounts due to be paid under your rider.
Contributions must be paid until we approve the claim

All contributions due under the certificate and any riders must be paid until we approve the claim for the
critical illness benefit.
Your rider cover

7
Making a claim

We should be informed as soon as possible if a claim is to be made under this rider.
To make sure we are able to assess your claim quickly, we ask that you call us, and let us know that you
will be claiming under your rider. Your claim forms do not have to be sent at this time. We may ask an
independent medical practitioner’s report to assess the eligibilty of your claim.

We understand that dealing with the illness of a loved one is difficult – claimants can always call our Service
Hotline at 1 300 13 7988 for help with a claim.
What we don’t cover

This rider has certain exclusions, meaning situations where we won’t pay a benefit. We list below the
exclusions that apply to the benefits under your rider.
We may also apply specific exclusions to your rider when we offer to issue your rider.
If any specific exclusions apply, we will record the details in a rider endorsement.
Suicide or self-inflicted act We will not pay any benefit under this rider if the claim arises:
– from suicide, attempted suicide or a self-inflicted act by a
person covered; and
– within one year of the start of your rider, or the date we last
reinstated your rider.
This applies regardless of the mental state of the person covered.
Unlawful acts We will not pay any benefit under this rider if the claim arises because
you or a person covered wilfully participated in an unlawful act, or
unlawful failure to act.
War We will not pay any benefit under this rider if the claim is a result of
an act of war (whether declared or not), coup, revolution, riot, or any
similar event.
Your rider cover

8
Starting or ending
your critical illness cover
This section explains when your rider starts and ends.
When cover starts under your rider

We start the critical illness rider cover on the commencement date as shown on the FWD Critical Illness
Rider Takaful Schedule, unless we tell you it will start on a different date. You can only claim the critical
illness benefits after your rider cover has started.
When your rider cover ends

The rider cover ends on the earliest of the following.
– You reach the cover expiry age.
– The date when we pay any rider benefits to you (or anybody else).
– The date we approve a written request to terminate this critical illness rider cover.
– On the date your certificate or this rider ends.
You can claim a benefit under your rider after cover has ended
if the event happened before the cover ended.
Refund of unused rider contributions if it ends early

This rider does not have any cash value. If you choose to end the rider, we will refund any unused
contribution to you after applicable surrender penalty.
If the refund amount is below RM10, we will distribute it to a charitable organisation.
Reinstating your rider

If your rider ends because of non-payment of rider and certificate contributions, you can reinstate it within
two years of it ending if we agree. You cannot reinstate your rider for any other reason (for example, if you
surrendered your certificate).
We only cover events that happen after the reinstatement date.
To reinstate your rider, you and the person covered will need to provide us with evidence of health, and you
will need to pay us a lump sum contribution made up of the following amounts:
– A rider contribution amount that covers the period from your reinstatement date to your next
contribution due date.
– Any medical costs that we need to pay in order to assess the health of the person covered.
– You must reinstate your certificate as well as this rider.
Your rider cover

Starting or ending your critical illness cover 9
What you need to do

– Contact us.
– Provide a completed service request form. You need to select the reinstatement service option.
– Confirm that the health of the person to be covered still qualifies for cover (by answering the
questions in the service request form).
– Reinstate your certificate as well as this rider.
What we will do
– We will review your application, and if we are satisfied that you have met our requirements, we
will reinstate your certificate and this rider. Otherwise, we will not reinstate your rider.
– If we reinstate your certificate and rider, your cover will be reinstated from the date we tell you.
Your rider cover

10
Keeping it legal
In this section, we explain the important legal
rights and obligations under your rider.

Read all parts of this rider to make sure they are correct
This rider is based on the information you gave us during the application process. It is important that the
information is correct, and you and the person covered were truthful and accurate with all of the information
you provided. This information helped us to decide if you and the person covered were eligible for the rider,
and how much you need to pay.
You should let us know immediately if the information you or a person covered gave us during the application,
was inaccurate, misleading, or exaggerated. You should also let us know immediately if the information you or
a person covered gave us changes after your rider is active.

If you don’t, we may dispute your claim, and your benefits under your rider may be affected. In some cases
we may cancel the rider under the remedies provided in the Islamic Financial Services Act 2013. See below
(disputing payments) for more details.
Disputing payments
We can dispute the validity of your rider in certain circumstances outlined Schedule 9 of the Islamic
Financial Services Act 2013. If we do, we can declare that the rider is void and treat it as having never
existed. You will not be entitled to any rider benefits.
we can dispute any claim within the first two years of the rider.
The two years starts from the commencement date, and it restarts from the date your rider is reinstated.
– within your application, we can dispute any payment at any time.

– refuse to issue the rider to you; or
– ask you to agree to special terms on your rider before we issue the rider;
Your rider cover

Keeping it legal 11
What we will do
– If we contest your critical illness rider cover, we will review it and decide if we have any reason
to cancel it and treat it as having never existed. We may do this at any time, including after you
submit a claim.
– If we do decide to cancel your rider, we will not pay any critical illness benefits, and we will refund
the contributions you have paid.

– your full name, and the full name of the person covered;


You or the person covered have the right to ask us to stop using the personal data under your rider. If you (or
they) do ask us to stop, we will:
– end the rider and certificate; and
paid, and refund you what is left.

Your rider cover

12
Medical definitions for

covered critical illness
The list below explains the meanings of important words and phrases
shown in your rider. The critical illnesses which are underlined have
a waiting period of 60 days. See page 4 (Detailed rider benefits)
1. Heart attack Death of heart muscle, due to inadequate blood supply, that has resulted in
all of the following evidence of acute myocardial infarction:
– A history of typical chest pain;
– New characteristic electrocardiographic changes; with the
development of any of the following: ST elevation or depression, T
wave inversion, pathological Q waves or left bundle branch block; and
– Elevation of the cardiac biomarkers, inclusive of CPK-MB above the
generally accepted normal laboratory levels or troponins recorded at
the following levels or higher: - cardiac troponin T or cardiac troponin I
> / = 0.5 ng/ml
The evidence must show the occurrence of a definite acute myocardial
infarction which should be confirmed by a medical practitioner who is a
cardiologist or another relevant physician.
The following are not covered.
– Occurrence of an acute coronary syndrome including but not limited
to unstable angina.
– A rise in cardiac biomarkers resulting from a percutaneous procedure
for coronary artery disease.
2. Alzheimer’s disease or Deterioration or loss of intellectual capacity confirmed by clinical

severe dementia evaluation and imaging tests arising from Alzheimer’s disease or severe
dementia as a result of irreversible organic brain disorders. It must result in
significant reduction in mental and social functioning requiring continuous
supervision of the person covered. The diagnosis must be clinically
confirmed by a medical practitioner who is a neurologist.
The following are not covered:
– Non organic brain disorders such as neurosis.
– Psychiatric illnesses.
– Drug or alcohol related brain damage.
3. Bacterial meningitis Bacterial meningitis causing inflammation of the membranes of the brain or
spinal cord resulting in permanent functional impairment. The permanent
functional impairment must result in an inability to perform at least 3 of the
activities of daily living, for a minimum period of 30 days. The diagnosis
must be confirmed by:
– an appropriate specialist medical practioner; and
– the presence of bacterial infection in the cerebrospinal fluid by lumbar
puncture.
Other forms of meningitis, including viral meningitis, are not covered.
Your rider cover

4. Benign brain tumour A benign tumour in the brain or meninges within the skull, where all of the
following conditions are met.
– It is life threatening.
– It has caused damage to the brain.
– It has undergone surgical removal, or has caused permanent
neurological deficit with persisting clinical symptoms.
– Its presence is confirmed by a medical practitioner who is a neurologist
or neurosurgeon, and supported by findings on MRI, CT or other
reliable imaging techniques.
– Cysts.
– Granulomas.
– Malformations in or of the arteries or veins of the brain.
– Hematomas.
– Tumours in the pituitary gland.
– Tumours in the spine.
– Tumours of the acoustic nerve
5. Blindness Permanent and irreversible loss of sight as a result of accident or illness

to the extent that even when tested with the use of visual aids, vision
is measured at 3/60 or worse in both eyes using a Snellen eye chart or
equivalent test. The result must be certified by an ophthalmologist.
6. Brain surgery The actual undergoing of surgery to the brain under general anaesthesia
during which a craniotomy (surgical opening of skull) is performed.
– Burr hole procedures.
– Transphenoidal procedures.
– Endoscopic assisted procedures or any other minimally invasive
procedures.
– Brain surgery as a result of an accident.
Your rider cover

7. Cancer Any malignant tumour positively diagnosed with histological confirmation

and characterized by the uncontrolled growth of malignant cells and
invasion of tissue. The term malignant tumour includes leukemia,
lymphoma and sarcoma.
– All cancers which are histologically classified as any of the following:
– pre-malignant;
– non-invasive;
– carcinoma in situ;
– having borderline malignancy; or
– having malignant potential.
– All tumours of the prostate histologically classified as T1N0M0 (TNM
classification).
– All tumours of the thyroid histologically classified as T1N0M0 (TNM
classification).
– All tumours of the urinary bladder histologically classified as T1N0M0
(TNM classification).
– Chronic Lymphocytic Leukemia less than RAI Stage 3.
– All cancers in the presence of HIV.
– Any skin cancer other than malignant melanoma.
8. Cardiomyopathy A definite diagnosis of cardiomyopathy by a cardiologist which results

in permanently impaired ventricular function and resulting in permanent
physical impairment of at least Class III of the New York Heart Association’s
classification of cardiac impairment. The diagnosis has to be supported by
echocardiographic findings of compromised ventricular performance.
The NYHA Classification of Cardiac Impairment for Class III and Class IV
means the following.
– Class III: Marked limitation of physical activity. Comfortable at rest but
less than ordinary activity causes symptoms.
– Class IV: Unable to engage in any physical activity without discomfort.
Symptoms may be present even at rest.
Cardiomyopathy directly related to alcohol or drug abuse is not covered.
9. Chronic aplastic Irreversible permanent bone marrow failure which results in anaemia,
anaemia neutropenia and thrombocytopenia requiring at least 2 of the following
treatments.
– Regular blood product transfusion.
– Marrow stimulating agents.
– Immunosuppressive agents.
– Bone marrow transplantation.
The diagnosis must be confirmed by a bone marrow biopsy.
10. Coma A state of unconsciousness with no reaction to external stimuli or internal

needs, persisting continuously for at least 96 hours, requiring the use of
life support systems and resulting in a permanent neurological deficit with
persisting clinical symptoms. This state must last for a minimum period of
30 days.
Confirmation by a medical practitioner who is a neurologist must be
present. Coma resulting directly from alcohol or drug abuse is not covered.
Your rider cover

11. Coronary artery by-pass Refers to the actual undergoing of open-chest surgery to correct or treat
surgery coronary artery disease (CAD) by way of coronary artery by-pass grafting.
– Angioplasty.
– Other intra-arterial or catheter based techniques.
– Keyhole procedures.
– Laser procedures.
12. Deafness Permanent and irreversible loss of hearing as a result of accident or illness
to the extent that the loss is greater than 80 decibels across all frequencies
of hearing in both ears. Medical evidence in the form of an audiometry and
sound-threshold tests result must be provided and certified by a medical
practitioner who is an ear, nose, and throat (ENT) specialist.
13. Encephalitis Severe inflammation of brain substance, resulting in permanent functional

impairment. The permanent functional impairment must result in an
inability to perform at least 3 of the activities of daily living, for a minimum
period of 30 days.
The encephalitis must be certified by a medical practitioner who is a
neurologist. Encephalitis in the presence of HIV infection is not covered.
14. End-stage liver failure End-stage liver failure as evidenced by all of the following.
– Permanent jaundice.
– Ascites (excessive fluid in peritoneal cavity).
– Hepatic encephalopathy.
Liver failure secondary to alcohol or drug abuse is not covered.
15. End-stage lung disease End-stage lung disease causing chronic respiratory failure. All of the
following criteria must be met.
– The need for regular oxygen treatment on a permanent basis.
– Permanent impairment of lung function with a consistent forced
expiratory volume (FEV) of less than 1 liter during the first second.
– Shortness of breath at rest.
– Baseline arterial blood gas analysis with partial oxygen pressures of
55mmHg or less.
16. Full-blown AIDS The clinical manifestation of AIDS (acquired immuno-deficiency syndrome)
must be supported by the results of a positive HIV (human immuno-
deficiency virus) antibody test and a confirmatory test. In addition, the
person covered must have a CD4 cell count of less than 200 and one or
more of the following criteria must be met.
– Weight loss of more than 10% of body weight over a period of 6 months
or less (wasting syndrome).
– Kaposi sarcoma.
– Pneumocystis carinii pneumonia.
– Progressive multifocal leukoencephalopathy.
– Active tuberculosis.
– Less than 1000 lymphocytes.
– Malignant lymphoma.
Your rider cover

17. Fulminant viral hepatitis A sub-massive to massive necrosis (death of liver tissue) caused by any virus
as evidenced by all of the following diagnostic criteria.
– A rapidly decreasing liver size as confirmed by abdominal ultrasound.
– Necrosis involving entire lobules, leaving only a collapsed reticular
framework.
– Rapidly deteriorating liver functions tests.
– Deepening jaundice.
Viral hepatitis infection or carrier status alone (including but not limited
to hepatitis B and hepatitis C) without the above diagnostic criteria is not
covered.
18. Heart valve surgery The actual undergoing of open-heart surgery to replace or repair cardiac
valves as a consequence of heart valve defects or abnormalities.
– Repair via intra-arterial procedure.
– Repair via key-hole surgery or any other similar techniques.
19. HIV infection due to Infection with the human immunodeficiency virus (HIV) through a blood
blood transfusion transfusion, provided that all of the following conditions are met:
– The blood transfusion was medically necessary or given as part of a
medical treatment.
– The blood transfusion was received in Malaysia or Singapore after the
commencement of the rider.
– The source of the infection is established to be from the institution that
provided the blood transfusion and the institution is able to trace the
origin of the HIV tainted blood.
– The person covered does not suffer from haemophilia.
– The person covered is not a member of any high risk groups including
but not limited to intravenous drug users.
20. Kidney failure End-stage kidney failure presenting as chronic irreversible failure of both
kidneys to function, as a result of which regular dialysis is initiated or kidney
transplantation is carried out.
21. Loss of independent Confirmation by an appropriate specialist of the loss of independent

existence existence and resulting in a permanent inability to perform at least 3 of
the activities of daily living. The condition must have lasted for a minimum
period of 6 months.
22. Loss of speech Total, permanent and irreversible loss of the ability to speak as a result of
injury or illness, for a minimum period of 6 months.
23. Major head trauma Physical head injury resulting in permanent functional impairment verified
by a neurologist. The permanent functional impairment must result in an
inability to perform 3 of the activities of daily living. The condition must
have lasted for a minimum period of 3 months.
Your rider cover

24. Major organ or bone The receipt of a transplant of:

marrow transplant
– human bone marrow using hematopoietic stem cells preceded by total
bone marrow ablation; or
– one of the following human organs: heart, lung, liver, kidney, pancreas
that resulted from irreversible end-stage failure of the relevant organ.
Other stem cell transplants are not covered.
25. Motor neuron disease A definite diagnosis of motor neuron disease by a neurologist with
reference to either spinal muscular atrophy, progressive bulbar palsy,
amyotrophic lateral sclerosis or primary lateral sclerosis.
There must be permanent neurological deficit with persisting clinical
symptoms.
26. Multiple sclerosis A definite diagnosis of multiple sclerosis by a neurologist. The diagnosis
must be supported by all of the following:
– investigations which confirm the diagnosis to be multiple sclerosis;
– multiple neurological deficits resulting in impairment of motor and
sensory functions occurring over a continuous period of at least 6
months; and
– well documented history of exacerbations and remissions of said
symptoms or neurological deficits.
27. Muscular dystrophy The definite diagnosis of a muscular dystrophy by a medical practitioner
who is a neurologist which must be supported by all of the following:
– Clinical presentation of progressive muscle weakness.
– No central / peripheral nerve involvement as evidenced by absence of
sensory disturbance.
– Characteristic electromyogram and muscle biopsy findings.
No benefit will be payable before the person covered turns 11 years old.
28. Paralysis of limbs Total, permanent and irreversible loss of use of both arms or both legs, or
of one arm and one leg, through paralysis caused by illness or injury. The
condition must have lasted for a minimum period of 6 months.
29. Parkinson’s disease A definite diagnosis of Parkinson’s disease by a medical practitioner who is
a neurologist where all the following conditions are met:
– Cannot be controlled with medication.
– Shows signs of progressive impairment.
– Confirmation of the permanent inability of the person covered to
perform, without assistance, 3 or more of the activities of daily living.
Only idiopathic Parkinson’s disease is covered. Drug-induced or toxic
causes of Parkinsonism are not covered.
Your rider cover

30. Primary pulmonary A definite diagnosis of primary pulmonary arterial hypertension with
arterial hypertension substantial right ventricular enlargement established by investigations
including cardiac catheterization, resulting in permanent physical
impairment to the degree of at least Class III of the New York Heart
Association (NYHA) classification of cardiac impairment. Pulmonary
arterial hypertension resulting from other causes shall be excluded from
this benefit.
means the following:
31. Serious coronary artery The narrowing of the lumen of the right coronary artery (RCA), left anterior
disease descending artery (LAD) and circumflex artery (not inclusive of their
branches) occurring at the same time by a minimum of 60% in each artery
as proven by coronary arteriography (noninvasive diagnostic procedures
are not covered). A narrowing of 60% or more of the left main stem will be
considered as a narrowing of the left anterior descending artery (LAD) and
circumflex artery. It does not matter whether any form of coronary artery
surgery has been performed.
32. Stroke Death of brain tissue due to inadequate blood supply, bleeding within the
skull or embolization from an extra cranial source resulting in permanent
neurological deficit with persisting clinical symptoms. The diagnosis must
be based on changes seen in a CT scan or MRI and certified by a neurologist
The condition must have lasted for a minimum period of 3 months.
For the above definition, the following are not covered:
– Transient ischemic attacks.
– Cerebral symptoms due to migraine.
– Traumatic injury to brain tissue or blood vessels.
– Vascular disease affecting the eye or optic nerve or vestibular
functions.
33. Surgery to aorta The actual undergoing of surgery via a thoracotomy or laparotomy (surgical
opening of thorax or abdomen) to repair or correct an aortic aneurysm, an
obstruction of the aorta or a dissection of the aorta.
For this definition, aorta shall mean the thoracic and abdominal aorta but
not its branches.
– Angioplasty.
– Other keyhole procedures
Your rider cover

34. Systemic lupus A definite diagnosis of systemic lupus erythematosus confirmed by a

erythematosus with severe rheumatologist. It must have resulted in Type III to Type V lupus nephritis
kidney complications as established by renal biopsy. Other forms such as discoid lupus or those
forms with only haematological or joint involvement are not covered.
The WHO Lupus Classifications are as follows:
– Type III : Focal Segmental glomerulonephritis.
– Type IV : Diffuse glomerulonephritis.
– Type V : Membranous glomerulonephritis.
35. Third degree burns Third degree (i.e. full thickness) skin burns covering at least 20% of the total
body surface area.
36. Terminal illness The conclusive diagnosis of a condition that is expected to result in death of
the person covered within 12 months. The person covered must no longer
be receiving active treatment other than that for pain relief. The diagnosis
must be supported by written confirmation from an appropriate specialist
medical practitioner and confirmed by our appointed doctor.
Your rider cover

FWD Medical Rider
MY Takaful Rider
fwd.com.my
FWD Medical
This FWD MedicalRider
Riderisisan
an‘Endorsement’
‘Endorsement’totoCertificate
Certificate No.
No. L0660687
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Quick reference
FWD Medical Cover 1


$
Your payment term must be the same as your takaful certificate 15
What happens when you miss a contribution 15
Increase or decrease of your contribution 16
Making a claim 17
How to claim 17
Starting, changing or ending your medical cover 19

Changes to your rider 20
Keeping it legal 23
Medical definitions for critical illness 25
Schedule of benefits 32
A001/000/202002 FWD Medical Rider

11
FWD Medical Cover
Thank you for choosing FWD Takaful. We’re pleased to be protecting you, so
you can focus on living life to the fullest.
This rider provides medical coverage if the person covered is hospitalised or undergoes a surgery.

This rider becomes part of your certificate if we have agreed to provide it to you. The details of your
medical cover will be shown in the FWD Medical Rider Takaful Schedule attached to your certificate.

Person covered
We will pay the eligible expenses incurred if the person covered is hospitalised or undergoes a surgery due to
accident or illness as specified under this rider, while this rider is in place, before the rider ends.
The main person covered under this rider is the same as the person covered under your certificate. The
person covered cannot make changes to your rider, unless the person covered is also the certificate owner.
If you opt for a couple or family plan, the following can be the other persons covered under this rider:
– You (the certificate owner).
– Your spouse.
– Your children. You can cover up to four children under your rider.
Spouse and children need to be covered at the start

You can only choose to have your spouse and children covered under your rider when you first apply for your
cover. You can add any child born after your rider starts when they turn 1 month old. See page 21 (adding a
new child as a person covered) for how to add a new child to your rider.

FWD Medical Cover 2

Accident A sudden, unintentional, unexpected, unusual event that occurs at an

identifiable time and place, which shall, independently of any other cause,
be the sole cause of bodily injury.
Accidental dental Dental treatment procedure as necessitated by an injury as a result of an

treatment accident.
Any one disability The whole period of disability arising from the same cause including any
and all complications therefrom except that if person covered completely
recovers and remains free from further treatment (including drugs,
medicine, special diet or injection or advice for the condition) of the
disability for at least ninety (90) days following the latest date of discharge
and subsequent disability from the same cause shall be considered as
though it were a new disability.
As charged Actual charges incurred for reasonable, necessary and customary medical
care provided in the treatment of a covered disability.
Day The definition of a charging day adopted by the hospital concerned.
Day surgery A patient who needs the use of a recovery facility for a surgical procedure
on a pre-plan basis at the hospital/specialist clinic (but not for overnight
stay).
Dentist A registered dental practitioner qualified and licensed to practise

dentistry, and in rendering such treatment, is practising within the scope
of his licensing and training in the geographical area in which a service is
provided, but excludes you, your spouse or your near relative.
Disability A state of poor physical health that requires medical treatment due to
sickness, disease, illness or injury.
Doctor or Physician or A person duly qualified and licensed to practise western medicine and who
Surgeon or Medical is registered with the appropriate authority in Malaysia to practise medicine
practitioner within the scope allowed by such authority and by his training, but excludes
you, your spouse or your near relative.
Eligible expenses Medically necessary expenses incurred due to a covered disability but not
exceeding the limits in the Schedule of Benefits.
Emergency Treatment needed in the event whereby immediate medical attention is

required within the twenty-four (24) hours of injury, illness or symptoms
which are sudden and severe failing where person covered’s life could be
threatened or lead to significant deterioration of health.

FWD Medical Cover 3
Hospital Only an establishment duly constituted and registered as a hospital for the
care and treatment of sick and injured persons as paying bed-patients, and
which:
– has facilities for diagnosis and major surgery,

– provides twenty-four (24) hour a day nursing services by registered and
graduate nurses,
– is under the supervision of a physician, and
– is not primarily a clinic; a rehabilitation centre for alcoholics or drug
addicts; a nursing, rest or convalescent home or a home for the aged or
infirmed.
Hospitalisation/ – admission of the person covered to a hospital for medically necessary

Hospitalised/Inpatient/ treatments of a disability on the recommendation of a physician for a
Confinement minimum period of six (6) hours;
– continuously stays in the hospital prior to the discharge of the person
covered; and
– a registered resident bed-patient using and being charged for the room
and board facilities of the hospital.
Initial overall annual limit This is the initial overall annual limit to which the increase of overall annual
limit will be based on.
Injury The injury that can be seen on the outside of the body caused directly
by accident and independent of other causes, except for in the case of
drowning or of internal injury revealed by an autopsy. There must be
evidence of visible contusion or wound of the body.
Intensive care unit (ICU) A special department of a hospital that caters to patients with the most
serious injuries and illnesses which are life-threatening and need constant,
close monitoring and support using specialised equipment and medication
in order to maintain normal bodily functions.
Major accidents Accidents that cause the person covered to be admitted to the ICU and/
or result in person covered being in a coma of at least three (3) days and/or
require the person covered to undergo a medically necessary surgery.
Major claims Claims that result from illnesses as specified below:
– heart attack
– cancer
– coronary artery by-pass surgery
– kidney failure
– stroke
Malaysian government A hospital established, maintained, operated or provided by the Malaysian

hospital government but excludes privatised or corporatised Malaysian government
hospitals.
Malaysian private hospital A Malaysian hospital that is not a Malaysian government hospital.

FWD Medical Cover 4
Medically necessary A medical service which is:
– consistent with the diagnosis and customary medical treatment for a

covered disability;
– in accordance with standards of good medical practice, consistent
with current standard of professional medical care, and of proven
medical benefits;
– not for the convenience of the person covered or the physician, and
unable to be reasonably rendered out of hospital (if hospitalised);
– not an experimental, investigational or research nature, cosmetic,
preventive or screening nature, medical technology/procedure, which
has not been proven to be effective, based on established medical
practice, and which has not been approved by a recognised body in the
country in which person covered receives the treatment; and
– for which the charges are fair, reasonable and customary for the
disability.
Outpatient Person covered is receiving medical care or treatment without being

hospitalised and includes treatment in a daycare centre.
Overall annual limit Benefits payable in respect of expenses incurred for treatment provided to
person covered during the coverage shall be limited to overall annual limit
(if any) as stated in the Schedule of Benefits irrespective of type of disability.
Once the total claims payable has reached the overall annual limit, no
claims will be payable for any amount that exceeds the applicable overall
annual limit for that rider year. Any remaining amount that is not payable
for that year cannot be brought forward to the next rider year. A new overall
annual limit will start for the next rider year. This limit is per person covered.
Pre-existing conditions Limited to disabilities which existed before the commencement date or
reinstatement date, whichever is later, and for which person covered should
have reasonably been aware of. Person covered may be considered to have
reasonable knowledge of a pre-existing condition where the condition is
one for which:-
– person covered has received or is receiving treatment;

– medical advice, diagnosis, care or treatment has been recommended;
– clear and distinct symptoms are or were evident; or
– its existence would have been apparent to a reasonable person in the
circumstances.
Prescribed medicines Medicines that are dispensed by a physician, registered pharmacist or a

hospital and which have been prescribed by a physician or a specialist in
respect of treatment for a covered disability.

FWD Medical Cover 5
Reasonable and customary Charges for medical care which is medically necessary shall be considered
charges reasonable and customary to the extent that it does not exceed the
general level of charges being made by others of similar standing in the
locality where the charge is incurred, when furnishing like or comparable
treatment, services or supplies to individual of the same gender and of
comparable age for a similar sickness, disease or injury and in accordance
with accepted medical standards and practice could not have been omitted
without adversely affecting person covered’s medical condition.
Sickness, disease or illness A physical condition marked by a pathological deviation from the normal
healthy state.
Specialist A medical or dental practitioner registered and licensed as such in the

geographical area of his practice where treatment takes place and who is
classified by the appropriate health authorities as a person with superior
and special expertise in specified fields of medicine or dentistry, but
excluding a physician or surgeon or dentist who is you, your spouse or your
near relative.
Specified illnesses The following disability and its related complications:
– Hypertension, diabetes mellitus and cardiovascular disease;

– Growths of any kind including tumours, cysts, nodules or polyps;
– Stones in the urinary system and biliary system;
– Any disease of the ear, nose (including sinuses) or throat;
– Hernias, haemorrhoids, fistulae, hydrocele or varicocele;
– Any disease of the reproductive system including endometriosis;
– Any disorders of the spine (including a slipped disc); or
– Any knee conditions.
Surgery Any of the following medical procedures:
– To incise, excise or electrocauterise any organ or body part, except for

dental services;
– To repair, revise, or reconstruct any organ or body part;
– To reduce by manipulation a fracture or dislocation; or
– Use of endoscopy to remove a stone or object from the larynx,
bronchus, trachea, esophagus, stomach, intestine, urinary bladder or
urethra.

FWD Medical Cover 6
Waiting period There are waiting periods that apply for some conditions. If your claim is
not for an injury caused by accident, we won’t pay any benefit if the signs or
symptoms of the injury or disability became apparent to the person covered
during the waiting period shown in the table below. These waiting periods
apply from the:
– commencement date;
– reinstatement date (if the rider is reinstated); or
– date your cover is increased, but only for the increased amount.
Type of claim Waiting period
Any claim arising from specified illnesses 120 days
Any claim arising from anti-cancer

60 days
chemotherapy or radiotherapy treatment
Any claim arising from an accidental injury Not applicable
Any other claim 30 days

7
Your rider benefits

This section describes the benefits of your rider. It is a guide to your takaful plan. To understand the
benefits).
You can claim the following benefits while the rider is in place.
– Hospital room and board

– Intensive care unit (ICU)
– Hospital supplies and services
– Surgical fees
– Operating theatre fees
– Anaethetist’s fees
– Ambulance fees
Hospitalisation benefits – In-hospital physician visit
– Pre-hospitalisation diagnostic tests

– Pre-hospitalisation specialist consultation
– Post-hospitalisation treatment
– Day surgery/Day care procedure
– Outpatient cancer treatment
– Outpatient kidney dialysis treatment
– Outpatient dengue treatment
– Outpatient physiotherapy treatment
Outpatient benefits – Emergency accidental outpatient/dental treatment
– Organ transplant
– Second medical opinion
– Daily cash allowance at Malaysian government hospital
– Daily cash allowance at Malaysian private hospital
– Home nursing care
– Intraocular lens
– Medical report fees
Other benefits


Your rider provides the following medical benefits. These benefits are provided in addition to your base
Hospitalisation benefits
Hospital room and board We shall reimburse the reasonable and customary charges for room
accommodation and meals. The amount of the benefit shall be equal to the
actual charges made by the hospital during confinement, subject to, for any
one day, the rate of room and board benefit as set forth in the Schedule of
Benefits. Person covered will only be entitled to this benefit while confined
to a hospital as an inpatient.
Intensive care unit (ICU) We shall reimburse the reasonable and customary charges for actual room
and board incurred during confinement as an inpatient in the ICU of the
hospital. This benefit shall be payable equal to the actual charges made by
the hospital, subject to the maximum number of days, as set forth in the
Schedule of Benefits. Where the period of confinement in an ICU exceeds
the maximum number of days set forth in the Schedule of Benefits, we shall
only reimburse the standard daily hospital room and board rate. No hospital
room and board benefit shall be paid for the same confinement period
where the daily ICU benefit is payable.
Hospital supplies and We shall reimburse the reasonable and customary charges actually
services incurred for general nursing, prescribed and consumed drugs and
medicines, dressings, splints, plaster casts, x-ray, laboratory examinations,
electrocardiograms, physiotherapy, basal metabolism tests, intravenous
injections and solutions, administration of blood and blood plasma,
including the cost of blood and plasma whilst person covered is confined as
an inpatient.
Surgical fees We shall reimburse the reasonable and customary charges for a surgery
by the specialist/surgeon, including pre-surgical assessment, specialist’s/
surgeon’s visits to person covered and post-surgery care, up to the
maximum number of days from the date of surgery, as indicated in the
Schedule of Benefits. If more than one surgery is performed for any one
disability, the total payments for all the surgeries performed shall not
exceed the overall annual limit and/or lifetime limit (if any) stated in the
Schedule of Benefits.
Operating theatre fees We shall reimburse the reasonable and customary operating room charges
incidental to the surgical procedure.
Anaesthetist’s fees We shall reimburse the reasonable and customary charges by the
anaesthetist for the administration of anaesthesia.

Hospitalisation benefits (cont.)
Ambulance fees We shall reimburse the reasonable and customary charges incurred for
necessary domestic road ambulance services (inclusive of attendant)
to and/or from the hospital of confinement. Payment will not be made if
person covered is not hospitalised.
In-hospital physician visit We shall reimburse the reasonable and customary charges by a physician
for medically necessary visiting an in-paying patient while confined for a
non-surgical disability but not exceeding the maximum number of visits and
number of days as set forth in the Schedule of Benefits.
Outpatient benefits
Pre-hospitalisation We shall reimburse the reasonable and customary charges for all medically
diagnostic tests necessary diagnostic and laboratory tests which are performed for
diagnostic purposes on account of an injury or illness in connection with
a disability preceding hospitalisation within the maximum number of
days as set forth in the Schedule of Benefits in a hospital and which are
recommended by a physician/specialist.
No payment shall be made if upon such diagnostic tests, person covered is

not hospitalised for the treatment of the medical condition diagnosed.
Pre-hospitalisation We shall reimburse the reasonable and customary charges for the
specialist consultation consultation by a specialist in connection with a disability within the
maximum number of days as set forth in the Schedule of Benefits preceding
confinement in a hospital and provided that such consultation is medically
necessary and has been recommended in writing by the attending
physician/specialist, these may include prescription for medication and any
subsequent consultation.
Payment will not be made where person covered is not hospitalised for the
treatment of the medical condition diagnosed.
Post-hospitalisation We shall reimburse the reasonable and customary charges incurred in

treatment follow-up treatment for the same disability as during hospitalisation
immediately following discharge from hospital for a non-surgical disability
within the maximum number of days as stated in the Schedule of Benefits.
Day surgery/daycare We shall reimburse the reasonable and customary charges incurred for
procedure medically necessary treatment to the person covered on the use of recovery
facility for a surgical procedure on a pre-plan basis at the hospital/specialist
clinic (but not for an overnight stay).

Outpatient benefits (cont.)
Outpatient cancer We shall reimburse the reasonable and customary charges incurred for the
treatment treatment of cancer performed at a legally registered cancer treatment
centre, if person covered is diagnosed with cancer as defined below.
The treatment types covered as cancer treatment are only limited to
radiotherapy and chemotherapy (injectable or oral), including consultation,
examination tests and take home drugs. Such treatment must be received
or advised at the outpatient department of a hospital or a registered cancer
treatment centre or immediately following discharge from the hospital
confinement or after the surgery.
Cancer is defined as any malignant tumour positively diagnosed with

histological confirmation and characterised by the uncontrolled growth of
malignant cells and invasion of tissue. The term malignant tumour includes
but is not limited to leukemia, lymphoma and sarcoma.
– all cancers which are histologically classified as any

of the following:
– pre-malignant;
– non-invasive;
– carcinoma in situ;
– having borderline malignancy; or
– having malignant potential.
– all tumours of the prostate histologically classified as T1N0M0 (TNM
classification)
– all tumours of the thyroid histologically classified as T1N0M0 (TNM
classification)
– all tumours of the urinary bladder histologically classified as T1N0M0
(TNM classification)
– chronic lymphocytic leukemia less than RAI Stage 3
– all cancers in the presence of HIV
– any skin cancer other than malignant melanoma
Outpatient kidney dialysis We shall reimburse the reasonable and customary charges incurred for the
treatment medically necessary treatment of kidney dialysis performed at a legally
registered dialysis centre, if person covered is diagnosed with kidney failure
as defined below.
Such treatment (dialysis including consultation, examination tests and take

home drugs) must be received at the outpatient department of a hospital or
a registered dialysis treatment centre or immediately following discharge
from hospital confinement or surgery.
Kidney Failure means end stage renal failure presenting as chronic,

irreversible failure of both kidneys to function as a result of which renal
dialysis is initiated.
Outpatient dengue We shall reimburse of reasonable and customary charges incurred on out-
treatment patient treatment for dengue fever, allowing even mild cases to be managed
with close monitoring.

Outpatient physiotherapy We shall reimburse the actual charges incurred for medically necessary
treatment outpatient physiotherapy treatment performed at a legally registered
physiotherapy centre, subject to the maximum number of days as stated in
the Schedule of Benefits.
Emergency accidental We shall reimburse the reasonable and customary charges incurred for
outpatient/dental medically necessary treatment as an outpatient at any registered clinic
treatment or hospital as a result of a covered bodily injury arising from an accident,
within twenty-four (24) hours of such accident and subject to the limits
stated in the Schedule of Benefits. Follow-up treatment by the same doctor
or same registered clinic or hospital for the same covered bodily injury shall
be provided up to a maximum of thirty (30) days from date of accident,
subject to the limits stated in the Schedule of Benefits.
Also, we shall reimburse the reasonable and customary charges incurred

for medically necessary dental treatment of an injury or damage to sound
natural teeth as a result of an accident, within twenty-four (24) hours of
such accident and subject to the limits stated in the Schedule of Benefits.
Follow-up treatment by the same dentist will be provided up to a maximum
of thirty (30) days from the date of accident, subject to the limits stated in
Other benefits
Organ transplant We shall reimburse the reasonable and customary charges incurred on
transplantation surgery for person covered being the recipient of the
transplant of a heart, lung, liver, kidney, pancreas or bone marrow. Payment
for this benefit shall be subject to the limit as set forth in the Schedule of
Benefits. The costs of acquisition of the organs and all costs incurred by the
donors are not covered.
Second medical opinion We shall reimburse the reasonable and customary charges incurred on
consultation and diagnostic fees for second medical opinion for 36 critical
illnesses done by specialists in Malaysia up to limit as set forth in the
Schedule of Benefits. The covered critical illnesses are listed below.

Critical illness covered
1. Heart attack 20. Kidney failure

2. Alzheimer’s disease or severe dementia 21. Loss of independent existence
3. Bacterial meningitis 22. Loss of speech
4. Benign brain tumor 23. Major head trauma
5. Blindness 24. Major organ or bone marrow transplant
6. Brain surgery 25. Motor neuron disease
7. Cancer 26. Multiple sclerosis
8. Cardiomyopathy 27. Muscular dystrophy (over age 11 only)
9. Chronic aplastic anaemia 28. Paralysis of limbs
10. Coma 29. Parkinson’s disease
11. Coronary artery by-pass surgery 30. Primary pulmonary arterial hypertension
12. Deafness 31. Serious coronary artery disease
13. Encephalitis 32. Stroke
14. End-stage liver failure 33. Surgery to aorta
15. End-stage lung disease 34. Systemic lupus erythematosus with severe
kidney complications
16. Full-blown AIDS
35. Third degree burns
17. Fulminant viral hepatitis
36. Terminal illness
18. Heart valve surgery
19. HIV infection due to blood transfusion
If the person covered has been diagnosed by a licensed physician with a medical condition, the person
covered is entitled to receive a second medical opinion from a hospital, on a review of the person covered’s
medical records relating to the medical condition. This benefit is subject to a maximum amount as shown in
the Schedule of Benefits for consultation and diagnostic tests in Malaysia.
This benefit covers fees for consultation with doctor, as well as costs of imaging, radiology or diagnostic
tests and laboratory tests recommended by the consulting doctor to further examine the medical condition
and to establish the second medical opinion.
This benefit does not cover fees for other services or treatments including but not limited to prescribed
medicines and physiotherapy. All claims for this benefit must be accompanied by a medical report, an official
receipt and any other required documents from the hospital specifying the nature of sickness, diagnosis and
date and time.
Consultation with specialists worldwide

We also cover consultation with specialists worldwide, which covers study and review of the medical
diagnosis for the 36 critical illnesses by third party administrator.

Other benefits (cont.)
Daily cash allowance at We shall pay daily cash allowance for each day of confinement for a
Malaysian government covered disability in a Malaysian government hospital, subject to the
hospital amount and number of days shown in the Schedule of Benefits.
Daily cash allowance at We shall pay daily cash allowance for each day of confinement for a
Malaysian private hospital covered disability in a Malaysian private hospital, subject to the amount and
number of days shown in the Schedule of Benefits.
Home nursing care We shall reimburse the actual charges incurred for medically necessary
nursing care or service rendered by a medically qualified and licensed nurse
in the person covered’s home, within sixty (60) days immediately following
discharge from hospital after hospitalisation for a period of three (3) days or
more.
– Such nursing care or service must be recommended by the attending

physician for minimum duration of three (3) hours each day.
– The amount payable for this benefit shall be equal to the actual charges
incurred, subject to the maximum number of days and the limits stated
in the Schedule of Benefits.
Intraocular lens We shall reimburse the actual fee charged incurred for intraocular lens but
not to exceed the amount as stated in the Schedule of Benefits.
Medical report fees We shall reimburse the actual fee charged for completion of a medical
report by the attending physician/surgeon in respect of each disability,
subject to the amount as stated in the Schedule of Benefits.
No claim reward
In the event that there is no approved claim within 2 rider years, your initial overall annual limit will be
increased by 10%. The maximum increase will be capped at 50% of the initial overall annual limit.
Deductible
You must first pay a fixed amount equivalent to deductible selected (if any) out of the total accumulated
cost of eligible benefits within a year. We shall cover the eligible expenses in excess of the deductible
selected (if any). The costs of eligible benefit accumulated for that year will not be carried forward to the
next year. The deductible amount is per annum per person covered.
The following items are not applicable for the deductible, but the eligible benefits payable are subject to
the limits stated in the Schedule of Benefits:
– Major accidents
– Major claims

Overseas treatment
If person covered seeks overseas treatment, benefits in respect of the treatment shall be limited to the
reasonable and customary and medically necessary charges for such equivalent local treatment in Malaysia
and subject to the exclusions, limitations and conditions specified under the rider and all benefits will be
payable based on the official exchange rate ruling on the last day of the hospitalisation and shall exclude the
cost of transport to the place of treatment provided:
a) person covered is travelling abroad for a reason other than for medical treatment, needs to be
confined to a hospital outside Malaysia as a consequence of an emergency.
b) upon recommendation of a physician and person covered has to be transferred to a hospital

outside Malaysia because the specialised nature of the treatment, aid, information or decision
required can neither be rendered nor furnished nor taken in Malaysia.
We reserve the right to determine whether the limit for any particular charge is a reasonable and customary
charge with reference to Malaysian economic and market data. We reserve the absolute right to determine
the amount payable by making reference to our medical data.
Overseas treatment of a disease, sickness or injury which is diagnosed in Malaysia and non-
emergency or chronic conditions where treatment can reasonably be postponed until return to
Malaysia are excluded.

15
This section explains your contributions and what happens when you miss
paying a contribution.
(the donation you pay for takaful) charges. The amounts are shown in your FWD Medical Rider Takaful
Schedule.
Amount and due date

Your FWD Medical Rider Takaful Schedule shows the amount you need to pay and the due date for your
contribution payments.

The contribution rates stated in your FWD Medical Rider Takaful Schedule are not guaranteed. This means
we can change the contribution rates by giving you 3 months’ notice in writing from rider anniversary.

You need to pay your contributions for this rider at the same frequency as you pay your contributions for your
You can change your chosen contribution payment method or frequency at any time – if you do, then your
contributions for both certificate and rider will be changed. Please refer to “changing your contribution
payment method or frequency” in your base certificate to know how to do so.
Your payment term must be the same as your takaful certificate

Your payment term is how long you need to pay your rider contributions for.
What happens when you miss a contribution

You need to pay your rider contributions by the due date. We give you a 60-day grace period to pay.
– If your takaful certificate has participants’ savings account, and
If your participants’ savings account is sufficient to Your participants’ savings account is not
pay any fees and charges due sufficient to pay any fees and charges due
Your certificate and rider benefits will continue. Your certificate and rider benefits will end
from the next monthly anniversary.
We will deduct the tabarru’ amounts due for this rider
from your participants’ savings account after the grace If your rider ends because you missed a
period. contribution payment, you can apply to
reinstate it. See page 19 (reinstating your rider)
for more details.

Increase or decrease of your contribution

Your contribution may increase or decrease if:
– you change your plan;
– you change your deductible;
– you change your plan type (i.e. single or couple or family plan);
– any of the person covered dies, if there are more than one person covered under this rider;
– coverage of any person covered terminates, if there are more than one person covered under this
rider; or
– you add your new child as a person covered.

17
Making a claim
How to claim

If you don’t use your medical card and you pay first for your eligible expenses, you should inform us as soon
as possible if a claim is to be made under this rider.
To make sure we are able to assess your claim quickly, we ask that you call us and let us know that you
independent medical practitioner’s report to assess the eligibility of your claim.


Pre-existing conditions
Any claim arises because the person covered wilfully participated in an unlawful act, or unlawful
failure to act
Circumcision or any surgery on the foreskin
Any form of dental care or surgery unless necessitated by injury but excluding the replacement of
natural teeth, placement of denture and prosthetic services such as bridges and crowns or their
replacement
Venereal disease and its sequelae
HIV (Human Immunodeficiency Virus) related diseases, AIDS (Acquired Immune Deficiency Syndrome)
or AIDS related diseases except for Second Medical Opinion benefit
Any communicable diseases required quarantine by law

Making a claim 18
Pregnancy or pregnancy related conditions including childbirth, complications arising from pregnancy
such as miscarriage, abortion, pre-natal or post-natal care, contraceptive methods for birth controls,
infertility treatments and its complications. Impotence, sterilisation, erectile dysfunctions and its
complications
Investigation and treatment of sleep and snoring disorders
Hyperhidrosis
Mental or nervous disorders (including psychosis, neurosis and their physiological or psychosomatic
manifestations)
Any disability caused by self-destruction, intentional self-inflicted injuries and illness, while sane or
insane, within one year from the commencement date or reinstatement date, whichever is later
Any claim that is a result of an act of war (whether declared or not), coup, revolution, riot, or any
similar event
Refractive error correction surgery
Sex transformation surgery

19
Starting, changing or ending your

medical cover
This section explains when your rider starts and ends, and how to make
changes to your rider. We also outline when you can reinstate your rider after
it has ended.

We start the medical rider cover on the commencement date as shown on the FWD Medical Rider Takaful
Schedule, unless we tell you it will start on a different date. You can only claim the eligible benefits after
your rider cover has started.

– Person covered reaches the cover expiry age.
– Person covered dies.
– The date we approve a written request to terminate this medical rider cover.
– The date your certificate or this rider ends.
– The date your certificate or this rider lapses.
You can claim a benefit under your rider after cover has ended if the event happened before the
cover ended.

contribution (as determined by us) to you after any applicable surrender penalty.
If the refund amount is below or equal to RM10 and we do not have your bank account details, we will
donate it to charity.
If the refund amount is more than RM10 and we do not have your bank account details, we will transfer the
monies to Registrar of Unclaimed Moneys.

To reinstate your rider, you and the person covered will need to provide us with evidence of health, if
required, and you will need to pay us a lump sum contribution made up of the following amounts:
You must also reinstate your takaful certificate if it is lapsed.

What you need to do

– Contact us.
– Provide a completed required form.
– Confirm that the health of the person covered still qualifies for cover (by answering the questions in
the request form).
What we will do
– We will review your application, and if we are satisfied that you have met our requirements, we will
reinstate your certificate and this rider. Otherwise, we will not reinstate your rider.
Changes to your rider

You can ask us to make the following changes to your rider, and we will make the changes by providing an
official written change (called an endorsement).
Changing the deductible amount or plan

You can choose to change the deductible amount or plan, if you have not made any claim.
What you need to do

– Contact us.
What we will do
– Review your request and the information you provide and it may be subject to underwriting.
– Make the change, and tell you in writing, along with the date the change will take effect from and
tell you what your new contributions are, and when they are due. (if we agree to the change).
Adding or removing person covered

You can add or remove additional person covered (not main person covered) to your rider. We need to
approve the change, and you will need to pay new contribution amount if we approve.
What you need to do

– Contact us.
What we will do
tell you what your new contributions are, and when they are due (if we agree to the change).

Adding a new child as a person covered

You can add your child born after the rider starts by applying to us within 3 months after they turned 1
month old. You can do this until you have four children covered under your rider.
Child is born One month later Apply by this date

X
1 month 3 months Can’t add
We need to approve the change, and you will need to pay additional contributions if we approve.
You cannot add any child who was born before your rider starts (unless they were covered from the start).
What you need to do

– Contact us within 3 months after your child turning 1 month old.
– Provide a completed medical form, and any other information we ask for.
– Pay any additional contributions that apply after the change.
What we will do
– Tell you what your new contributions are, and when they are due in writing along with the cover
effective date.
What happens when your takaful certificate ownership transfers to main person covered
If the main person covered is your child

If you (the certificate owner) are different to the main person covered, you can transfer the certificate
ownership to your child (if they are 16 years or older) by asking us in writing. In this event, upon changing
the certificate owner, the coverage for all other persons covered will be terminated. Only coverage for main
person covered shall continue.
If the main person covered is your spouse

There is no impact to your FWD Medical Rider coverage upon changing the certificate owner.

What happens when the main person covered dies

If the other persons covered decide to continue the coverage under this rider, the required contribution is
payable to continue with the coverage as a standalone certificate.
What you need to do

– Contact us.
– Continue paying the required contribution.
What we will do
– Tell you what your new contributions are, and when they are due in writing.

23
Keeping it legal
In this section, we explain the important legal rights and obligations under
your rider.

This rider is based on the information you gave us during the application process. It is important that
the information is correct, and you and the person covered were truthful and accurate with all of the
information you provided. This information helped us to decide if you and the person covered were eligible
for the rider, and how much you need to pay.
You should let us know immediately if the information you or a person covered gave us during the
application, was inaccurate, misleading, or exaggerated. You should also let us know immediately if the
information you or a person covered gave us changes after your rider is active.

Disputing payments
Financial Services Act 2013 (IFSA 2013). If we do, we can declare that the rider is void and treat it as having
never existed. You will not be entitled to any rider benefits.


Keeping it legal 24


What we will do
– If we contest your medical rider cover, we will review it and decide if we have any reason to cancel
it and treat it as having never existed. We may do this at any time, including after you submit a
claim.
– If we do decide to cancel your rider, we will not pay any medical benefits, and we will refund the
monies as specified according to Schedule 9 of IFSA 2013.




paid, and refund you the unused contribution.


25
Medical definitions for critical

illness
The list below explains the meanings of critical illness mentioned under your
rider. See page 11 (Detailed rider benefits).

the following levels or higher: - cardiac troponin T or cardiac troponin
I > / = 0.5 ng/ml


to unstable angina.
2. Alzheimer’s disease or Deterioration or loss of intellectual capacity confirmed by clinical

severe dementia evaluation and imaging tests arising from Alzheimer’s disease or severe
dementia as a result of irreversible organic brain disorders. It must result in
significant reduction in mental and social functioning requiring continuous
supervision of the person covered. The diagnosis must be clinically
confirmed by a medical practitioner who is a neurologist.
– Non organic brain disorders such as neurosis.

– Psychiatric illnesses.
– Drug or alcohol related brain damage.
3. Bacterial meningitis Bacterial meningitis causing inflammation of the membranes of the brain or
spinal cord resulting in permanent functional impairment. The permanent
functional impairment must result in an inability to perform at least 3 of the
activities of daily living, for a minimum period of 30 days. The diagnosis
must be confirmed by:
– an appropriate specialist medical practioner; and

– the presence of bacterial infection in the cerebrospinal fluid by lumbar
puncture.
Other forms of meningitis, including viral meningitis, are not covered.

4. Benign brain tumour A benign tumour in the brain or meninges within the skull, where all of the
following conditions are met.
– It is life threatening.
– It has caused damage to the brain.
– It has undergone surgical removal, or has caused permanent
neurological deficit with persisting clinical symptoms.
– Its presence is confirmed by a medical practitioner who is a neurologist
or neurosurgeon, and supported by findings on MRI, CT or other
reliable imaging techniques.
– Cysts.
– Granulomas.
– Malformations in or of the arteries or veins of the brain.
– Hematomas.
– Tumours in the pituitary gland.
– Tumours in the spine.
– Tumours of the acoustic nerve.
5. Blindness Permanent and irreversible loss of sight as a result of accident or illness

to the extent that even when tested with the use of visual aids, vision
is measured at 3/60 or worse in both eyes using a Snellen eye chart or
equivalent test. The result must be certified by an ophthalmologist.
6. Brain surgery The actual undergoing of surgery to the brain under general anaesthesia
during which a craniotomy (surgical opening of skull) is performed.
– Burr hole procedures.

– Transphenoidal procedures.
– Endoscopic assisted procedures or any other minimally invasive
procedures.
– Brain surgery as a result of an accident.


–pre-malignant;
–non-invasive;
–carcinoma in situ;
–having borderline malignancy; or
–having malignant potential.
classification).
classification).

8. Cardiomyopathy A definite diagnosis of cardiomyopathy by a cardiologist which results

in permanently impaired ventricular function and resulting in permanent
physical impairment of at least Class III of the New York Heart Association’s
classification of cardiac impairment. The diagnosis has to be supported by
echocardiographic findings of compromised ventricular performance.
means the following.

Cardiomyopathy directly related to alcohol or drug abuse is not covered.
9. Chronic aplastic Irreversible permanent bone marrow failure which results in anaemia,
anaemia neutropenia and thrombocytopenia requiring at least 2 of the following
treatments.
– Regular blood product transfusion.

– Marrow stimulating agents.
– Immunosuppressive agents.
– Bone marrow transplantation.
The diagnosis must be confirmed by a bone marrow biopsy.
10. Coma A state of unconsciousness with no reaction to external stimuli or internal

needs, persisting continuously for at least 96 hours, requiring the use of
life support systems and resulting in a permanent neurological deficit with
persisting clinical symptoms. This state must last for a minimum period of
30 days.
Confirmation by a medical practitioner who is a neurologist must be

present. Coma resulting directly from alcohol or drug abuse is not covered.
11. Coronary artery by-pass Refers to the actual undergoing of open-chest surgery to correct or treat
surgery coronary artery disease (CAD) by way of coronary artery by-pass grafting.
– Angioplasty.
– Keyhole procedures.
12. Deafness Permanent and irreversible loss of hearing as a result of accident or illness
to the extent that the loss is greater than 80 decibels across all frequencies
of hearing in both ears. Medical evidence in the form of an audiometry and
sound-threshold tests result must be provided and certified by a medical
practitioner who is an ear, nose, and throat (ENT) specialist.
13. Encephalitis Severe inflammation of brain substance, resulting in permanent functional

impairment. The permanent functional impairment must result in an
inability to perform at least 3 of the activities of daily living, for a minimum
period of 30 days.
The encephalitis must be certified by a medical practitioner who is a

neurologist. Encephalitis in the presence of HIV infection is not covered.

14. End-stage liver failure End-stage liver failure as evidenced by all of the following.
– Permanent jaundice.
– Ascites (excessive fluid in peritoneal cavity).
– Hepatic encephalopathy.
Liver failure secondary to alcohol or drug abuse is not covered.
15. End-stage lung disease End-stage lung disease causing chronic respiratory failure. All of the
following criteria must be met.
– The need for regular oxygen treatment on a permanent basis.

– Permanent impairment of lung function with a consistent forced
expiratory volume (FEV) of less than 1 liter during the first second.
– Shortness of breath at rest.
– Baseline arterial blood gas analysis with partial oxygen pressures of
55mmHg or less.
16. Full-blown AIDS The clinical manifestation of AIDS (acquired immuno-deficiency

syndrome) must be supported by the results of a positive HIV (human
immunodeficiency virus) antibody test and a confirmatory test. In addition,
the person covered must have a CD4 cell count of less than 200 and one or
more of the following criteria must be met.
– Weight loss of more than 10% of body weight over a period of 6 months
or less (wasting syndrome).
– Kaposi sarcoma.
– Pneumocystis carinii pneumonia.
– Progressive multifocal leukoencephalopathy.
– Active tuberculosis.
– Less than 1000 lymphocytes.
– Malignant lymphoma.
17. Fulminant viral hepatitis A sub-massive to massive necrosis (death of liver tissue) caused by any virus
as evidenced by all of the following diagnostic criteria.
– A rapidly decreasing liver size as confirmed by abdominal ultrasound.

– Necrosis involving entire lobules, leaving only a collapsed reticular
framework.
– Rapidly deteriorating liver functions tests.
– Deepening jaundice.
Viral hepatitis infection or carrier status alone (including but not limited
to hepatitis B and hepatitis C) without the above diagnostic criteria is not
covered.
18. Heart valve surgery The actual undergoing of open-heart surgery to replace or repair cardiac
valves as a consequence of heart valve defects or abnormalities.
– Repair via intra-arterial procedure.

– Repair via key-hole surgery or any other similar techniques.

19. HIV infection due to Infection with the human immunodeficiency virus (HIV) through a blood
blood transfusion transfusion, provided that all of the following conditions are met:
– The blood transfusion was medically necessary or given as part of a

medical treatment.
– The blood transfusion was received in Malaysia or Singapore after the
commencement of the rider.
– The source of the infection is established to be from the institution that
provided the blood transfusion and the institution is able to trace the
origin of the HIV tainted blood.
– The person covered does not suffer from haemophilia.
– The person covered is not a member of any high risk groups including
but not limited to intravenous drug users.
21. Loss of independent Confirmation by an appropriate specialist of the loss of independent

existence existence and resulting in a permanent inability to perform at least 3 of
the activities of daily living. The condition must have lasted for a minimum
period of 6 months.
22. Loss of speech Total, permanent and irreversible loss of the ability to speak as a result of
injury or illness, for a minimum period of 6 months.
23. Major head trauma Physical head injury resulting in permanent functional impairment verified
by a neurologist. The permanent functional impairment must result in an
inability to perform 3 of the activities of daily living. The condition must
have lasted for a minimum period of 3 months.
24. Major organ or bone The receipt of a transplant of:

marrow transplant
– human bone marrow using hematopoietic stem cells preceded by total
bone marrow ablation; or
– one of the following human organs: heart, lung, liver, kidney, pancreas
that resulted from irreversible end-stage failure of the relevant organ.
Other stem cell transplants are not covered.
25. Motor neuron disease A definite diagnosis of motor neuron disease by a neurologist with
reference to either spinal muscular atrophy, progressive bulbar palsy,
amyotrophic lateral sclerosis or primary lateral sclerosis.
There must be permanent neurological deficit with persisting clinical

symptoms.
26. Multiple sclerosis A definite diagnosis of multiple sclerosis by a neurologist. The diagnosis
must be supported by all of the following:
– investigations which confirm the diagnosis to be multiple sclerosis;

– multiple neurological deficits resulting in impairment of motor and
sensory functions occurring over a continuous period of at least 6
months; and
– well documented history of exacerbations and remissions of said
symptoms or neurological deficits.

27. Muscular dystrophy The definite diagnosis of a muscular dystrophy by a medical practitioner
who is a neurologist which must be supported by all of the following:
– Clinical presentation of progressive muscle weakness.

– No central / peripheral nerve involvement as evidenced by absence of
sensory disturbance.
– Characteristic electromyogram and muscle biopsy findings.
No benefit will be payable before the person covered turns 11 years old.
28. Paralysis of limbs Total, permanent and irreversible loss of use of both arms or both legs, or
of one arm and one leg, through paralysis caused by illness or injury. The
condition must have lasted for a minimum period of 6 months.
29. Parkinson’s disease A definite diagnosis of Parkinson’s disease by a medical practitioner who is
a neurologist where all the following conditions are met:
– Cannot be controlled with medication.

– Shows signs of progressive impairment.
– Confirmation of the permanent inability of the person covered to
perform, without assistance, 3 or more of the activities of daily living.
Only idiopathic Parkinson’s disease is covered. Drug-induced or toxic

causes of Parkinsonism are not covered.
30. Primary pulmonary A definite diagnosis of primary pulmonary arterial hypertension with
arterial hypertension substantial right ventricular enlargement established by investigations
including cardiac catheterization, resulting in permanent physical
impairment to the degree of at least Class III of the New York Heart
Association (NYHA) classification of cardiac impairment. Pulmonary
arterial hypertension resulting from other causes shall be excluded from
this benefit.
means the following:

31. Serious coronary artery The narrowing of the lumen of the right coronary artery (RCA), left anterior
disease descending artery (LAD) and circumflex artery (not inclusive of their
branches) occurring at the same time by a minimum of 60% in each artery
as proven by coronary arteriography (noninvasive diagnostic procedures
are not covered). A narrowing of 60% or more of the left main stem will be
considered as a narrowing of the left anterior descending artery (LAD) and
circumflex artery. It does not matter whether any form of coronary artery
surgery has been performed.

32. Stroke Death of brain tissue due to inadequate blood supply, bleeding within the
skull or embolization from an extra cranial source resulting in permanent
neurological deficit with persisting clinical symptoms. The diagnosis must
be based on changes seen in a CT scan or MRI and certified by a neurologist
The condition must have lasted for a minimum period of 3 months.
– Transient ischemic attacks.

– Cerebral symptoms due to migraine.
– Traumatic injury to brain tissue or blood vessels.
– Vascular disease affecting the eye or optic nerve or vestibular
functions.
33. Surgery to aorta The actual undergoing of surgery via a thoracotomy or laparotomy (surgical
opening of thorax or abdomen) to repair or correct an aortic aneurysm, an
obstruction of the aorta or a dissection of the aorta.
For this definition, aorta shall mean the thoracic and abdominal aorta but
not its branches.
– Angioplasty.
– Other keyhole procedures
34. Systemic lupus A definite diagnosis of systemic lupus erythematosus confirmed by a

erythematosus with severe rheumatologist. It must have resulted in Type III to Type V lupus nephritis
kidney complications as established by renal biopsy. Other forms such as discoid lupus or those
forms with only haematological or joint involvement are not covered.
The WHO Lupus Classifications are as follows:
– Type III : Focal Segmental glomerulonephritis.

– Type IV : Diffuse glomerulonephritis.
– Type V : Membranous glomerulonephritis.
35. Third degree burns Third degree (i.e. full thickness) skin burns covering at least 20% of the total
body surface area.
36. Terminal illness The conclusive diagnosis of a condition that is expected to result in death of
the person covered within 12 months. The person covered must no longer
be receiving active treatment other than that for pain relief. The diagnosis
must be supported by written confirmation from an appropriate specialist
medical practitioner and confirmed by our appointed doctor.

Schedule of benefits
Read this section to find out your detailed benefits based on your selected
plan.
Plan Plan 1 Plan 2 Plan 3 Plan 4
Hospitalisation benefits
Hospital Room and Board RM200 RM300 RM500 RM2,000
Intensive Care Unit

(maximum up to 90 days As charged As charged As charged As charged
per year)
Hospital Supplies and

As charged As charged As charged As charged
Services
Surgical Fees
(pre-surgery care up to 30
days and post-surgery care As charged As charged As charged As charged
up to 30 days from surgery
date)
Operating Theatre Fee As charged As charged As charged As charged
Anaesthetist’s Fee As charged As charged As charged As charged
Ambulance Fees As charged As charged As charged As charged
In-Hospital Physician Visit

(maximum up to 150 days) As charged As charged As charged As charged
(maximum 2 visits per day)
Outpatient benefits
Pre-Hospitalisation
Diagnostic Tests
(within 60 days before
hospitalisation)
Pre-Hospitalisation
Specialist Consultation
(within 60 days before
hospitalisation)
Post-Hospitalisation
Treatment
(within 90 days after
hospitalisation)
Day surgery/Day care

procedure

Outpatient cancer
treatment
Outpatient kidney dialysis

treatment
Outpatient dengue
treatment
Outpatient physiotherapy
treatment
(within 90 days after
hospitalisation)
Emergency accidental
outpatient/ dental
treatment
(within 24 hours and
follow-up treatment up to
30 days)
Other benefits
Organ transplant
(once per lifetime)
Second medical opinion

RM1,000 RM1,000 RM1,000 RM1,000
(limit per year)
Daily cash allowance at

Malaysian government
hospital RM200 RM200 RM200 RM200
(maximum up to 150 days
per year)
Daily cash allowance at

Malaysian private hospital
RM50 RM50 RM50 RM50
(maximum up to 150 days
per year)
Home nursing care

(maximum up to 180 days As charged As charged As charged As charged
per lifetime)
Intraocular lens Up to RM3,000 per eye, RM6,000 per lifetime
Medical report fees RM100 per disability
Initial overall annual limit RM200,000 RM300,000 RM500,000 RM2,000,000

FWD Medical Executive Rider
MY Takaful Rider
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FWD Medical
This FWD MedicalExecutive
ExecutiveRider
Riderisisan
an‘Endorsement’
‘Endorsement’
toto Certificate
Certificate No.
No. L0660687
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Quick reference
FWD Medical Executive Cover 1


$ Your contributions 8
Your payment term must be the same as your takaful certificate 8
What happens when you miss a contribution 8
Increase or decrease of your contribution 9
Making a claim 10
How to claim 10

Changes to your rider 13
Keeping it legal 16
A001/000/202002 FWD Medical Executive Rider

11
FWD Medical Executive Cover
Thank you for choosing FWD Takaful. We’re pleased to be protecting you, so
you can focus on living life to the fullest.
This rider provides extra medical coverage if the person covered is hospitalised or undergoes a surgery.

This rider becomes part of your certificate if we have agreed to provide it to you. The details of your
medical cover will be shown in the FWD Medical Executive Rider Takaful Schedule attached to your
certificate.

Person covered
We will pay the eligible expenses incurred if the person covered is hospitalised or undergoes a surgery due to
accident or illness as specified under this rider, while this rider is in place, before the rider ends.
The main person covered under this rider is the same as the person covered under your certificate. The
person covered cannot make changes to your rider, unless the person covered is also the certificate owner.
If you opt for a couple or family plan, the following can be the other persons covered under this rider:
– You (the certificate owner).
– Your spouse.
– Your children. You can cover up to four children under your rider.
Spouse and children need to be covered at the start

You can only choose to have your spouse and children covered under your rider when you first apply for your
cover. You can add any child born after your rider starts when they turn 1 month old. See page 14 (adding a
new child as a person covered) for how to add a new child to your rider.


Accident A sudden, unintentional, unexpected, unusual event that occurs at an

identifiable time and place, which shall, independently of any other cause,
be the sole cause of bodily injury.
As charged Actual charges incurred for reasonable, necessary and customary medical
care provided in the treatment of a covered disability.
Day The definition of a charging day adopted by the hospital concerned.
Disability A state of poor physical health that requires medical treatment due to
sickness, disease, illness or injury.
Doctor or Physician or A person duly qualified and licensed to practise western medicine and who
Surgeon or Medical is registered with the appropriate authority in Malaysia to practise medicine
practitioner within the scope allowed by such authority and by his training, but excludes
you, your spouse or your near relative.
Eligible expenses Medically necessary expenses incurred due to a covered disability but not
exceeding the limits in the Schedule of Benefits.
Emergency Treatment needed in the event whereby immediate medical attention is

required within the twenty-four (24) hours of injury, illness or symptoms
which are sudden and severe failing where person covered’s life could be
threatened or lead to significant deterioration of health.
Hospital Only an establishment duly constituted and registered as a hospital for the
care and treatment of sick and injured persons as paying bedpatients, and
which:
– has facilities for diagnosis and major surgery,

– provides twenty-four (24) hour a day nursing services by registered and
graduate nurses,
– is under the supervision of a physician, and
– is not primarily a clinic; a rehabilitation centre for alcoholics or drug
addicts; a nursing, rest or convalescent home or a home for the aged or
infirmed.
Hospitalisation/ – admission of the person covered to a hospital for medically necessary

Hospitalised/Inpatient/ treatments of a disability on the recommendation of a physician for a
Confinement minimum period of six (6) hours;
– continuously stays in the hospital prior to the discharge of the person
covered; and
– a registered resident bed-patient using and being charged for the room
and board facilities of the hospital.
Injury The injury that can be seen on the outside of the body caused directly
by accident and independent of other causes, except for in the case of
drowning or of internal injury revealed by an autopsy. There must be
evidence of visible contusion or wound of the body.

Medically necessary A medical service which is:
– consistent with the diagnosis and customary medical treatment for a

covered disability;
– in accordance with standards of good medical practice, consistent
with current standard of professional medical care, and of proven
medical benefits;
– not for the convenience of the person covered or the physician, and
unable to be reasonably rendered out of hospital (if hospitalised);
– not an experimental, investigational or research nature, cosmetic,
preventive or screening nature, medical technology/procedure, which
has not been proven to be effective, based on established medical
practice, and which has not been approved by a recognised body in the
country in which person covered receives the treatment; and
– for which the charges are fair and reasonable and customary for the
disability.
Outpatient Person covered is receiving medical care or treatment without being

hospitalised and includes treatment in a daycare centre.
Overall annual limit Benefits payable in respect of expenses incurred for treatment provided to
person covered during the coverage shall be limited to overall annual limit
(if any) as stated in the Schedule of Benefits irrespective of type of disability.
Once the total claims payable has reached the overall annual limit, no
claims will be payable for any amount that exceeds the applicable overall
annual limit for that rider year. Any remaining amount that is not payable
for that year cannot be brought forward to the next rider year. A new overall
annual limit will start for the next rider year. This limit is per person covered.
Pre-existing conditions Limited to disabilities which existed before the commencement date or
reinstatement date, whichever is later, and for which person covered should
have reasonably been aware of. Person covered may be considered to have
reasonable knowledge of a pre-existing condition where the condition is
one for which:-
– person covered has received or is receiving treatment;

– medical advice, diagnosis, care or treatment has been recommended;
– clear and distinct symptoms are or were evident; or
– its existence would have been apparent to a reasonable person in the
circumstances.
Reasonable and customary Charges for medical care which is medically necessary shall be considered
charges reasonable and customary to the extent that it does not exceed the
general level of charges being made by others of similar standing in the
locality where the charge is incurred, when furnishing like or comparable
treatment, services or supplies to individual of the same gender and of
comparable age for a similar sickness, disease or injury and in accordance
with accepted medical standards and practice could not have been omitted
without adversely affecting person covered’s medical condition.
Sickness, disease or illness A physical condition marked by a pathological deviation from the normal
healthy state.

Specialist A medical or dental practitioner registered and licensed as such in the

geographical area of his practice where treatment takes place and who is
classified by the appropriate health authorities as a person with superior
and special expertise in specified fields of medicine or dentistry, but
excluding a physician or surgeon or dentist who is you, your spouse or your
near relative.
Specified illnesses The following disability and its related complications:
– Hypertension, diabetes mellitus and cardiovascular disease;

– Growths of any kind including tumours, cysts, nodules or polyps;
– Stones in the urinary system and biliary system;
– Any disease of the ear, nose (including sinuses) or throat;
– Hernias, haemorrhoids, fistulae, hydrocele or varicocele;
– Any disease of the reproductive system including endometriosis;
– Any disorders of the spine (including a slipped disc); or
– Any knee conditions.
Surgery Any of the following medical procedures:
– To incise, excise or electrocauterise any organ or body part, except for

dental services;
– To repair, revise, or reconstruct any organ or body part;
– To reduce by manipulation a fracture or dislocation; or
– Use of endoscopy to remove a stone or object from the larynx,
bronchus, trachea, esophagus, stomach, intestine, urinary bladder or
urethra.
Waiting period There are waiting periods that apply for some conditions. If your claim is
not for an injury caused by accident, we won’t pay any benefit if the signs or
symptoms of the injury or disability became apparent to the person covered
during the waiting period shown in the table below. These waiting periods
apply from the:
– commencement date;
– reinstatement date (if the rider is reinstated); or
– date your cover is increased, but only for the increased amount.
Type of claim Waiting period
Any claim arising from specified illnesses 120 days
Any claim arising from anti-cancer

60 days
chemotherapy or radiotherapy treatment
Any claim arising from an accidental injury Not applicable
Any other claim 30 days
There is also a waiting period of 120 days before you can claim for benefit of
additional overall annual limit due to cancer, heart attack or kidney failure.

5
Your rider benefits

This section describes the benefits of your rider. It is a guide to your takaful plan. To understand the
benefits).
You can claim the following benefits while the rider is in place.
– Additional overall annual limit due to cancer, heart attack or kidney

failure
– In-hospital psychiatric treatment
– Hospital companion’s bed
– Alternative medical practitioner
– Maternity complications
Extended benefits

Your rider provides the following medical benefits. These benefits are provided in addition to your base
Extended benefits
Additional overall annual We shall increase your overall annual limit to the amount as shown in the
limit due to cancer, heart Schedule of Benefits if person covered is diagnosed with cancer, heart
attack or kidney failure attack or kidney failure. This additional annual limit will apply for each year
until this rider is terminated. This increase can only happen once (for the
first of the three (3) illnesses that is diagnosed). The Waiting Period for this
benefit is 120 days.
In-hospital psychiatric We shall reimburse the actual charges incurred for inpatient psychiatric
treatment treatment for psychiatric conditions as specified below, subject to the limits
stated in the Schedule of Benefits.
Psychiatric conditions refer to major depressive disorder, obsessive

compulsive disorder, schizophrenia, bipolar disorder, Tourette syndrome
and postpartum depression.
Hospital companion’s bed We shall reimburse the actual charges incurred for companion bed for one
person who accompanies the person covered, subject to the limits stated in

Extended benefits (cont.)
Alternative medical We shall reimburse the actual charges incurred for medically necessary
practitioner alternative medical treatment as defined below, performed at an
alternative medical practitioner centre registered under Traditional and
Complementary Medicine Division of Ministry of Health Malaysia, subject
to the limits stated in the Schedule of Benefits. Treatment must be sought
at any registered clinic or hospital prior to seeking the alternative medical
treatment.
Alternative Medical Treatment refers to acupuncture, acupressure,

chiropractic, bone setting and herbalist treatment performed by a licensed
and registered alternative practitioner, traditional osteopath or chiropractor
other than the person covered himself.
Maternity complications We shall reimburse the reasonable and customary charges for a medically
necessary obstetric procedure in a hospital in the event that the person
covered is diagnosed by a doctor as having any of the following pregnancy
complications, as listed below, which arise during antenatal stages of
pregnancy or during child birth or after child birth at least 365 days after
the commencement date or reinstatement date, whichever is later. This
benefit is only applicable for female person covered and the coverage is
from age 18 to age 45 only (age next birthday). The benefit is inclusive of
room and board, any surgery performed, pre and post treatment sought for
the complication.
Maternity complications covered
1. Disseminated Over-activation of the coagulation and fibrinolytic system (proteins

intravascular coagulation that control blood clotting) resulting in microvascular thrombosis
(abnormal blood clotting in small blood vessels); overtime due to this
over consumption of platelets and coagulation factors, the control
blood clotting proteins will be used up and lead to major haemorrhage
(excessive bleeding) requiring treatment with frozen plasma and platelet
concentrates. Only disseminated intravascular coagulation caused as a
result of pregnancy complications is covered.
2. Ectopic pregnancy Development of a fertilised ovum outside the uterine cavity (womb). The
ectopic pregnancy has to be terminated by laparotomy or laparoscopic
surgery.
3. Hydatidiform mole A gestational trophoblastic disease with abnormal hyperplasia of

trophoblasts (an abnormal growth of the tissue that is supposed to develop
into the placenta) resulting in uterus being filled with abnormal vesicular
villi tissue with no sign of a foetus. Invasive choriocarcinoma is excluded.
4. Postpartum hemorrhage Ongoing bleeding secondary to an unresponsive and atonic uterus, a

requiring hysterectomy ruptured uterus, or a large cervical laceration extending into the uterus with
hysterectomy done.
5. Eclampsia It is characterised by the appearance of tonic-clonic seizures (convulsions)

that happen during pregnancy but are not due to pre-existing or organic
brain disorders.

6. Amniotic fluid embolism An obstetric emergency in which amniotic fluid, fetal cells, hair, or other
debris enters the person covered’s blood stream via the placental bed of
the uterus and trigger an allergic reaction. This reaction then results in
cardiorespiratory (heart and lung) collapse and coagulopathy (abnormal
blood clotting).
7. Pulmonary embolism of A thrombus (blood clot) breaking off in a distal site and traversing the
pregnancy venous system to lodge in the pulmonary arterial tree during pregnancy.
Immediate anticoagulation treatment should be initiated and continued
until at least 6 weeks postpartum unless anticoagulation treatment is
contraindicated. The diagnosis must be confirmed by a specialist.
8. Toxaemia of pregnancy Pregnancy induced hypertension characterised by development of high

blood pressure when a woman is pregnant and protein in the urine after the
20th week (late 2nd or 3rd trimester) of pregnancy.
Overseas treatment
If person covered seeks overseas treatment, benefits in respect of the treatment shall be limited
to the reasonable and customary and medically necessary charges for such equivalent local
treatment in Malaysia and subject to the exclusions, limitations and conditions specified under the
rider and all benefits will be payable based on the official exchange rate ruling on the last day of
the hospitalisation and shall exclude the cost of transport to the place of treatment provided:
a) person covered is travelling abroad for a reason other than for medical treatment, needs to be
confined to a hospital outside Malaysia as a consequence of an emergency.
b) upon recommendation of a physician and person covered has to be transferred to a hospital

outside Malaysia because the specialised nature of the treatment, aid, information or decision
required can neither be rendered nor furnished nor taken in Malaysia.
We reserve the right to determine whether the limit for any particular charge is a reasonable and
customary charge with reference to Malaysian economic and market data. We reserve the absolute
right to determine the amount payable by making reference to our medical data.
Overseas treatment of a disease, sickness or injury which is diagnosed in Malaysia and non-
emergency or chronic conditions where treatment can reasonably be postponed until return to
Malaysia are excluded.

8
This section explains your contributions and what happens when you miss
paying a contribution.
(the donation you pay for takaful) charges. The amounts are shown in your FWD Medical Executive Rider
Takaful Schedule.
Amount and due date

Your FWD Medical Executive Rider Takaful Schedule shows the amount you need to pay and the due date
for your contribution payments.

The contribution rates stated in your FWD Medical Executive Rider Takaful Schedule are not guaranteed.
This means we can change the contribution rates by giving you 3 months’ notice in writing from rider
anniversary.

You need to pay your contributions for this rider at the same frequency as you pay your contributions for your
You can change your chosen contribution payment method or frequency at any time – if you do, then your
contributions for both certificate and rider will be changed. Please refer to “changing your contribution
payment method or frequency” in your base certificate to know how to do so.
Your payment term must be the same as your takaful certificate

Your payment term is how long you need to pay your rider contributions for.
What happens when you miss a contribution

You need to pay your rider contributions by the due date. We give you a 60-day grace period to pay.
– If your takaful certificate has participants’ savings account, and
If your participants’ savings account is sufficient to Your participants’ savings account is not
pay any fees and charges due sufficient to pay any fees and charges due
Your certificate and rider benefits will continue. Your certificate and rider benefits will end
from the next monthly anniversary.
We will deduct the tabarru’ amounts due for this rider
from your participants’ savings account after the grace If your rider ends because you missed a
period. contribution payment, you can apply to
reinstate it. See page 12 (reinstating your rider
for more details.

Increase or decrease of your contribution

Your contribution may increase or decrease if:
– you change your plan;
– you change your deductible;
– you change your plan type (i.e. single or couple or family plan);
– any of the person covered dies, if there are more than one person covered under this rider;
– coverage of any person covered terminates, if there are more than one person covered under this
rider; or
– you add your new child as a person covered.

10
Making a claim
How to claim

If you don’t use your medical card and you pay first for your eligible expenses, you should inform us as soon
as possible if a claim is to be made under this rider.
To make sure we are able to assess your claim quickly, we ask that you call us and let us know that you
independent medical practitioner’s report to assess the eligibility of your claim.


Pre-existing conditions
Any claim arises because the person covered wilfully participated in an unlawful act, or unlawful
failure to act
Circumcision or any surgery on the foreskin
Any form of dental care or surgery unless necessitated by injury but excluding the replacement of
natural teeth, placement of denture and prosthetic services such as bridges and crowns or their
replacement
Venereal disease and its sequelae
HIV (Human Immunodeficiency Virus) related diseases, AIDS (Acquired Immune Deficiency Syndrome)
or AIDS related diseases
Any communicable diseases required quarantine by law

Making a claim 11
Pregnancy or pregnancy related conditions including childbirth, complications arising from pregnancy
such as miscarriage, abortion, pre-natal or post-natal care, contraceptive methods for birth controls,
infertility treatments and its complications except for the maternity complications covered under
Maternity Complications benefit. Impotence, sterilisation, erectile dysfunctions and its complications
Investigation and treatment of sleep and snoring disorders
Hyperhidrosis
Mental or nervous disorders (including psychosis, neurosis and their physiological or psychosomatic
manifestations)
Any disability caused by self-destruction, intentional self-inflicted injuries and illness, while sane or
insane, within one year from the commencement date or reinstatement date, whichever is later
Any claim that is a result of an act of war (whether declared or not), coup, revolution, riot, or any
similar event
Refractive error correction surgery
Sex transformation surgery

12
Starting, changing or ending your

medical cover
This section explains when your rider starts and ends, and how to make
changes to your rider. We also outline when you can reinstate your rider after
it has ended.

We start the medical rider cover on the commencement date as shown on the FWD Medical Executive
Rider Takaful Schedule, unless we tell you it will start on a different date. You can only claim the eligible
benefits after your rider cover has started.

– Person covered reaches the cover expiry age.
– Person covered dies.
– The date we approve a written request to terminate this medical rider cover.
– The date your certificate or this rider ends.
– The date your certificate or this rider lapses.
You can claim a benefit under your rider after cover has ended if the event happened before the
cover ended.

contribution (as determined by us) to you after any applicable surrender penalty.
If the refund amount is below or equal to RM10 and we do not have your bank account details, we will
donate it to charity.
If the refund amount is more than RM10 and we do not have your bank account details, we will transfer the
monies to Registrar of Unclaimed Moneys.

To reinstate your rider, you and the person covered will need to provide us with evidence of health, if
required, and you will need to pay us a lump sum contribution made up of the following amounts:
You must also reinstate your takaful certificate if it is lapsed.

What you need to do

– Contact us.
– Confirm that the health of the person covered still qualifies for cover (by answering the questions in
the request form).
What we will do
– We will review your application, and if we are satisfied that you have met our requirements, we will
reinstate your certificate and this rider. Otherwise, we will not reinstate your rider.
Changes to your rider

You can ask us to make the following changes to your rider, and we will make the changes by providing an
official written change (called an endorsement).
Changing the deductible amount or plan

You can choose to change the deductible amount or plan, if you have not made any claim.
What you need to do

– Contact us.
What we will do
tell you what your new contributions are, and when they are due. (if we agree to the change).
Adding or removing person covered

You can add or remove additional person covered (not main person covered) to your rider. We need to
approve the change, and you will need to pay new contribution amount if we approve.
What you need to do

– Contact us.
What we will do
tell you what your new contributions are, and when they are due (if we agree to the change).


You can add your child born after the rider starts by applying to us within 3 months after they turned 1
month old. You can do this until you have four children covered under your rider.
Child is born One month later Apply by this date

X
1 month 3 months Can’t add
We need to approve the change, and you will need to pay additional contributions if we approve.
You cannot add any child who was born before your rider starts (unless they were covered from the start).
What you need to do

– Contact us within 3 months after your child turning 1 month old.
– Provide a completed medical form, and any other information we ask for.
– Pay any additional contributions that apply after the change.
What we will do
– Tell you what your new contributions are, and when they are due in writing along with the cover
effective date.
What happens when your takaful certificate ownership transfers to main person covered?
If the main person covered is your child

If you (the certificate owner) are different to the main person covered, you can transfer the certificate
ownership to your child (if they are 16 years or older) by asking us in writing. In this event, upon changing
the certificate owner, the coverage for all other persons covered will be terminated. Only coverage for main
person covered shall continue.
If the main person covered is your spouse

There is no impact to your FWD Medical Executive Rider coverage upon changing the certificate owner.

What happens when the main person covered dies

If the other persons covered decide to continue the coverage under this rider, the required contribution is
payable to continue with the coverage as a standalone certificate.
What you need to do

– Contact us.
– Continue paying the required contribution.
What we will do
– Tell you what your new contributions are, and when they are due in writing.

16
Keeping it legal
In this section, we explain the important legal rights and obligations under
your rider.

This rider is based on the information you gave us during the application process. It is important that
the information is correct, and you and the person covered were truthful and accurate with all of the
information you provided. This information helped us to decide if you and the person covered were eligible
for the rider, and how much you need to pay.
You should let us know immediately if the information you or a person covered gave us during the
application, was inaccurate, misleading, or exaggerated. You should also let us know immediately if the
information you or a person covered gave us changes after your rider is active.

Disputing payments
Financial Services Act 2013 (IFSA 2013). If we do, we can declare that the rider is void and treat it as having
never existed. You will not be entitled to any rider benefits


Keeping it legal 17


What we will do
– If we contest your medical rider cover, we will review it and decide if we have any reason to cancel
it and treat it as having never existed. We may do this at any time, including after you submit a
claim.
– If we do decide to cancel your rider, we will not pay any medical benefits, and we will refund the
monies as specified according to Schedule 9 of IFSA 2013.




paid, and refund you the unused contribution.


18
Medical definitions for critical

illness
The list below explains the meanings of critical illness mentioned under your
rider. See page 5 (Detailed rider benefits).

the following levels or higher: - cardiac troponin T or cardiac troponin
I > / = 0.5 ng/ml


to unstable angina.


–pre-malignant;
–non-invasive;
–carcinoma in situ;
–having borderline malignancy; or
–having malignant potential.
classification).
classification).

Schedule of benefits
Read this section to find out your detailed benefits based on your selected
plan.
Extended benefits
Additional overall annual

limit due to cancer, heart RM2,000,000 RM3,000,000 RM5,000,000 RM20,000,000
attack or kidney failure
In-hospital psychiatric
treatment (maximum up to
30 days per year and 180
days per lifetime)
Hospital companion’s bed

(1 bed for 1 person who
accompanies, maximum up
to 60 days per year)
Alternative medical
RM1,000 RM1,000 RM1,000 RM1,000
practitioner (limit per year)
Maternity complications
RM4,000 RM6,000 RM8,000 RM10,000
(limit per year)
Revised overall annual limit RM2,000,000 RM3,000,000 RM5,000,000 RM20,000,000

Form / Borang
Customer Fact Find

Pencarian Fakta Pelanggan
Proposal No : Date :
L0660687 30/11/2021
No Permohonan : Tarikh :
IMPORTANT NOTICE (read carefully and understand fully the Customer Fact Find Form before proceeding).
NOTIS PENTING (baca secara teliti dan faham sepenuhnya kandungan borang Pencarian Fakta Pelanggan sebelum meneruskan).
1. Your takaful intermediary must have sufficient information before making a suitable recommendation. The information that you provide
will be basis on which advice will be given.
Pengantara takaful anda mesti mempunyai maklumat yang mencukupi sebelum membuat cadangan yang sesuai. Maklumat yang anda
berikan akan menjadi asas kepada nasihat yang akan diberikan.
2. If you choose not to provide all relevant information requested, your takaful intermediary may not be able to provide you suitable
advice and as a result, you may risk making a financial commitment to a family takaful plan inappropriate to your needs.
Jika anda memilih untuk tidak memberikan semua maklumat yang berkaitan yang diminta, pengantara takaful anda mungkin tidak
dapat memberi anda nasihat yang sesuai dan sebagai akibatnya, anda mungkin mengambil risiko untuk membuat komitmen kewangan
kepada pelan takaful keluarga yang tidak sesuai dengan keperluan anda.
3. Your takaful intermediary is required to preserve the confidentiality of information disclosed by you and restrict the use of such
information only for the purpose of recommending family takaful products.
Pengantara takaful anda dikehendaki mengekalkan kerahsiaan maklumat yang dizahirkan oleh anda dan menghadkan penggunaan
maklumat tersebut hanya untuk tujuan mengesyorkan produk takaful keluarga.
4. You must ensure that important information regarding the plan is disclosed to you and that you understand the information disclosed.
Where there is ambiguity, you should seek an explanation from the takaful intermediary or the takaful operator.
Anda mesti memastikan bahawa maklumat penting mengenai pelan tersebut didedahkan kepada anda dan anda memahami maklumat
yang didedahkan. Di mana terdapat kekaburan, anda harus mencari penjelasan daripada pengantara takaful atau pengendali takaful.
5. Prior to making a decision to participate in any family takaful plan, you must satisfy yourself that the plan best meets your takaful need
and resources.
Sebelum membuat keputusan untuk mengambil bahagian dalam mana-mana pelan takaful keluarga, anda harus berpuas hati bahawa
pelan ini paling sesuai dengan keperluan dan sumber takaful anda.
Disclosure Of Takaful Intermediary’s Status

Pendedahan Status Pengantara Takaful
I am takaful intermediary who represents FWD Takaful and can advise you on the individual Family Takaful products of FWD Takaful. I
receive remuneration from FWD Takaful for providing advice on / promoting of their takaful products.
Saya adalah pengantara takaful yang mewakili FWD Takaful dan boleh menasihati anda mengenai produk Takaful Keluarga individu FWD
Takaful. Saya menerima imbuhan dari FWD Takaful kerana memberikan nasihat mengenai / mempromosikan produk takaful mereka.
Page 1 of 11
FWD Takaful Berhad, Registration No: 200601011780 (731530-M)
SNB020D1904
Form / Borang
Potential Areas For Discussions

Bahagian – Bahagian Potensi Untuk Dibincangkan
Please rank your priorities –‘1’ means most important & ’6’ means least important:
Sila tentukan keutamaan anda -'1' bermaksud yang paling penting &'6' bermakna kurang penting:
Concern / Needs Already Planned To Discuss / Review Priority
Tumpuan / Keperluan Sudah Dirancang Untuk Dibincang / Dikaji Keutamaan
1. Income Protection
Protecting you and your family against loss of income in the
event of death, emergency and yourself against disability and
critical illness. Yes / Ya Yes / Ya
1
Perlindungan Pendapatan No /Tidak No / Tidak
Melindungi anda dan keluarga anda daripada kehilangan
pendapatan sekiranya berlaku kematian, kecemasan dan diri
anda terhadap ketidakupayaan dan penyakit kritikal.
2. Retirement Income
Financial Planning for old age / retirement. Yes / Ya Yes / Ya
2
Pendapatan Persaraan No / Tidak No / Tidak
Perancangan Kewangan untuk hari tua / persaraan.
3. Children’s Education
Financial planning for children’s education. Yes / Ya Yes / Ya
6
Pendidikan Anak-anak No / Tidak No / Tidak
Perancangan kewangan untuk pendidikan anak-anak.
4. Savings
Regular savings for the future. Yes / Ya Yes / Ya
4
Simpanan No / Tidak No / Tidak
Simpanan tetap untuk masa depan.
5. Investments
Regular / lump sum investment. Yes / Ya Yes / Ya
5
Pelaburan No / Tidak No / Tidak
Pelaburan secara tetap / sekaligus.
6. Medical / Healthcare Planning

Health and medical plans. Yes / Ya Yes / Ya
3
Perubatan / Perancangan Kesihatan No / Tidak No / Tidak
Pelan kesihatan dan perubatan.
Page 2 of 11
SNB020D1904
Form / Borang
Client’s Choice
Pilihan Pelanggan
I wish to disclose PARTIALLY information requested for in this form.
(To complete “Potential Areas for Discussion” and any other sections except the section on “Record of Advice”)
Saya ingin mendedahkan SEBAHAGIAN maklumat yang diminta dalam borang ini.
(Untuk melengkapkan “Bidang Potensi untuk Perbincangan” dan mana-mana bahagian lain kecuali bahagian “Rekod Nasihat”)
Personal Details
Maklumat Peribadi
Proposed Participant Spouse

Peserta yang dicadangkan Pasangan
Name / Nama: Faiz Fahmi Bin Ariffin @ Azmi Name / Nama:
NRIC/Passport No. / No. NRIC/Passport No. / No.

910206115261
KP/Pasport: KP/Pasport:
Nationality / Nationality /
Malaysian
Kewarganegaraan: Kewarganegaraan:
Race / Bangsa: Malay Race / Bangsa:

Religion / Agama: Islam Religion / Agama:
Gender / Jantina: Male Gender / Jantina:
Smoker / Perokok: Yes Smoker/ Perokok:
Date of Birth / Tarikh Lahir: 06/02/1991 Date of Birth / Tarikh Lahir:

Age / Umur: 31 Age / Umur:
Marital Status / Status Marital Status / Status

Single
Perkahwinan: Perkahwinan:
Business Owner, Senior
Management, others level of office
Occupation / Pekerjaan: Occupation / Pekerjaan:
work or administration work other
than specific business or services
Correspondence Address / B-3-11, Shaftbury @ Cyberjaya, Jalan Correspondence Address /
Alamat Surat Menyurat: Impact, Cyber 6 Alamat Surat Menyurat:
Postcode / Poskod: 63000 Postcode / Poskod:
State / Negeri: Selangor State / Negeri:
Permanent Address / Alamat B-3-11, Shaftbury @ Cyberjaya, Jalan Permanent Address / Alamat
Tetap: Impact, Cyber 6 Tetap:
Postcode / Poskod: 63000 Postcode / Poskod:

State /Negeri: Selangor State / Negeri:
Office Phone No. / No. Tel. Office Phone No. / No. Tel.
Pejabat: Pejabat:
Home Phone No. / No. Tel. Home Phone No. / No. Tel.
Rumah: Rumah:
Fax No. /No Faks: Fax No. / No Faks:
Email / E-mel: faizfahmi.azmi@gmail.com Email / E-mel:
Page 3 of 11
SNB020D1904
Form / Borang
Children And Dependents’ Details

Maklumat Anak-Anak Dan Tanggungan
Name Age Date of Birth Relationship Years to Support Gender
Nama Umur Tarikh Lahir Hubungan Tempoh Tanggungan Jantina

Investment Preference
Pilihan Pelaburan
Please indicate your investment risk preference with ‘1’ being the lowest risk preference and ‘5’ being the highest risk preference.
Sila nyatakan pilihan risiko pelaburan anda dengan '1' adalah untuk pilihan risiko yang paling rendah dan '5' menjadi pilihan risiko paling
tinggi.
Financial Statement
Penyata Kewangan
Existing Insurance / Takaful Plan

1.
Pelan Insurans / Takaful Sedia Ada
Policy Life Insurer/ Benefit(s) / Manfaat-Manfaat

Holder/ Assured/ Takaful
Takaful Person Operator
Type
Participant Covered Penanggung Premium/ Frequency Maturity
of Critical
Pemilik Orang Insurans/ Disability Contribution of Payment Date
Plan Death Illness Others
Polisi/ Yang Pengendali Hilang Premium/ Kekerapan Tarikh
Jenis Kematian Penyakit Lain-lain
Peserta Diinsurans Takaful Upaya Sumbangan Bayaran Matang
Pelan Kritikal
Takaful kan/ Orang
Yang
Dilindungi

Page 4 of 11
SNB020D1904
Form / Borang
Financial Analysis
2.
Analisis Kewangan
Income Protection
Perlindungan Pendapatan
Protecting you and your family against loss of income in the event of death, emergency and yourself against disability and critical illness.
Melindungi anda dan keluarga anda daripada kehilangan pendapatan sekiranya berlaku kematian, kecemasan dan diri anda terhadap
ketidakupayaan penyakit kritikal.
Income Protection Amount
Perlindungan Pendapatan Jumlah
Annual Income needed in the event of death or disability
Pendapatan Tahunan diperlukan sekiranya berlaku kematian atau hilang (A) RM
upaya
Years needed for this annual income to be replace

(B)
Tahun yang diperlukan untuk pendapatan tahunan ini akan digantikan
Existing Life Insurance/Takaful plan

(C) RM
Pelan Insurans Hayat/Takaful
Additional amount of protection required

(D = A x B – C) RM
Jumlah perlindungan tambahan yang diperlukan
Retirement Income
Pendapatan Persaraan
Financial planning for old age / retirement
Perancangan kewangan untuk hari tua / persaraan
No of Years to Retirement Amount
Bilangan Tahun Untuk Bersara Jumlah
Annual Income needed during retirement
(A) RM
Pendapatan tahunan yang diperlukan semasa persaraan
Years needed for this annual income to be replace

(B)
Tahun yang diperlukan untuk pendapatan tahunan ini digantikan
Existing retirement income

(C) RM
Pendapatan persaraan sedia ada
Additional amount required for retirement

(D = A x B – C) RM
Jumlah tambahan yang diperlukan untuk persaraan
What other sources of income do you expect to rely on during

retirement?
Apakah sumber pendapatan lain yang anda bergantung pada masa
persaraan?
Page 5 of 11
SNB020D1904
Form / Borang
Children’s Education
Pendidikan Anak-Anak
Financial Planning for children’s education
Perancangan kewangan untuk pendidikan anak-anak
Additional Amount
Existing Children
Needed for Tertiary
Number of Year to Education Fund
Education
Name of Child Current Age Tertiary Education Dana Pendidikan
No. Jumlah Tambahan
Nama Anak Umur Kini Bilangan Tahun Untuk Anak – Anak Sedia
diperlukan untuk
Pendidikan Tinggi Ada
pendidikan Tinggi
(RM)
(RM)

Savings & Investment Plan

Pelan Simpanan & Pelaburan
Regular saving and/or lump sum investment for the future event
Simpanan tetap dan/atau pelaburan sekaligus untuk kegunaan masa hadapan
Plan Amount
Pelan Jumlah
Expected savings needed
(A) RM
Jangkaan simpanan diperlukan
Years needed to meet the expected savings

Tahun yang diperlukan untuk memenuhi jangkaan simpanan (B)
Amount to be allocated for saving per month

Jumlah yang diperuntukkan untuk simpanan sebulan (C = A / B / 12) RM
What is the initial amount you intend to invest?

Berapakah jumlah permulaan yang anda berhasrat untuk melabur? RM
What is the regular amount you intend to invest?

Berapakah skala jumlah yang anda berhasrat untuk melabur? RM
What is the investment duration? Less than 5 years /Kurang

Apakah tempoh pelaburan? daripada 5 tahun
5 years and above / 5 tahun

dan ke atas
What is the expected monthly pay-out

Berapakah jangkaan bayaran bulanan
RM xxxx / xxxx years / tahun
And the payout period
Dan tempoh pembayaran
Page 6 of 11
SNB020D1904
Form / Borang
Medical/Healthcare Planning
Perancangan Perubatan/Penjagaan Kesihatan
Health and medical plans
Pelan Kesihatan dan Perubatan
Plan Medical Critical Illness
Pelan Perubatan Penyakit Kritikal
Amount needed in the event of hospitalization/ diagnosis of
critical illness
(A) RM RM
Jumlah yang diperlukan sekiranya berlaku kemasukan ke
hospital/ diagnosis penyakit kritikal
Existing protection available (annual/ lifetime limit) / RM

Perlindungan yang sedia ada (B) RM ( had tahunan/ seumur
hidup)
Protection Expiry Age

Umur tamat perlindungan
Additional amount of protection required RM

(annual/ lifetime limit) /
Jumlah tambahan perlindungan yang diperlukan (C = A – B) RM ( had tahunan/ seumur
hidup)
Financial Planning
Perancangan Kewangan
How much do you and your spouse wish to allocate to meet your financial needs?
Berapa banyak yang anda dan pasangan anda ingin peruntukkan bagi memenuhi keperluan kewangan anda?
Who Monthly Yearly Lump Sum

Siapa Bulanan Tahunan Sekali Gus
Participant RM RM RM
Peserta
Spouse
RM RM RM
Pasangan
Note: Amount available for Takaful (recommended 5% of gross income)

Nota: Jumlah yang tersedia untuk Takaful (disyorkan 5% daripada pendapatan kasar)
Record of Advice
Rekod Khidmat Nasihat
Recommendation and reason for recommendations:
Cadangan dan sebab untuk cadangan:
Recommended Solution – Priority 1 Reasons for Recommending – Priority 1
Cadangan Penyelesaian – Keutamaan 1 Sebab Kepada Cadangan – Keutamaan 1
Type of Plan:
ILP Income Protection / Perlindungan Pendapatan
Jenis Pelan:
Frequency of Payment: Monthly Retirement Income /Pendapatan Persaraan

Kekerapan Bayaran:
Sum Covered: 100,000 Children’s Education /Pendidikan Anak-anak

Jumlah Dilindungi:
Additional Benefits:
Savings / Simpanan
Manfaat Tambahan:
Investment / Pelaburan
Medical/ Healthcare Planning /Perancangan Perubatan /
Penjagaan Kesihatan
Other (to specify) /Lain-lain (sila nyatakan)
Page 7 of 11
SNB020D1904
Form / Borang
Recommended Solution – Priority 2 Reasons for Recommending – Priority 2

Cadangan Penyelesaian – Keutamaan 2 Sebab Kepada Cadangan – Keutamaan 2
Type of Plan:
Income Protection / Perlindungan Pendapatan
Jenis Pelan:
Frequency of Payment:
Retirement Income / Pendapatan Persaraan
Kekerapan Bayaran:
Sum Covered:
Children’s Education / Pendidikan Anak-anak
Jumlah Dilindungi:
Additional Benefits:
Savings / Simpanan
Manfaat Tambahan:
Investment / Pelaburan
Medical/ Healthcare Planning / Perancangan Perubatan /
Penjagaan Kesihatan
Other (to specify) / Lain-Lain (sila nyatakan)
Action taken if different from recommendations and the reasons:

Tindakan yang diambil sekiranya berbeza dari cadangan serta sebab - sebabnya:
Please tick (v)if applicable. If not, please put comments / Sila tandakan (v) jika berkenaan. Jika tidak, sila komen:
The client has chosen to receive product information only and do not wish to disclose any information for in this form. He/She is
aware that risks making a financial commitment to a certificate may not be appropriate to his/her needs.
Pelanggan memilih untuk menerima maklumat produk sahaja dan tidak mahu mendedahkan apa – apa maklumat yang diminta dalam
borang ini. Pelanggan sedar akan risiko membuat komitmen kewangan untuk sijil mungkin tidak sesuai dengan keperluannya.
Comments and Notes:
Komen dan Nota Tambahan:
Page 8 of 11
SNB020D1904
Form / Borang
Takaful Intermediary’s Declaration And Acknowledgement

Pengakuan Dan Pengisytiharan Pengantara Takaful
I declare that I will treat the information provided to me in the Customer Fact Find form with strict confidence and I will use it only for
the purpose of fact finding in the process of recommending suitable takaful products and shall not use it for any other purposes.
Saya mengisytiharkan bahawa saya akan menjadikan maklumat yang diberikan kepada saya dalam borang Pencarian Fakta Pelanggan
adalah sulit dan saya hanya akan menggunakannya untuk tujuan mencari fakta dalam proses mengesyorkan produk takaful yang sesuai
dan tidak akan menggunakannya untuk tujuan lain.
The above analysis / advice is based on the facts furnished in the form. I have taken reasonable steps to ensure that the advice is suitable
for the client, having regard to the facts disclosed and other relevant facts which are made available to me. I have also explained to the
client about the features of the product recommended and have given sufficient information to enable the client to make an informed
decision.
Analisis / nasihat di atas adalah berdasarkan fakta yang diberikan dalam borang. Saya telah mengambil langkah-langkah yang
munasabah untuk memastikan nasihat itu sesuai untuk pelanggan, dengan mengambil kira fakta yang dinyatakan dan fakta lain yang
berkaitan yang diberikan kepada saya. Saya juga menjelaskan kepada pelanggan mengenai ciri-ciri produk yang disyorkan dan telah
memberikan maklumat yang mencukupi untuk membolehkan pelanggan membuat keputusan.
Signature of Takaful Intermediary:
Tandatangan Pengantara Takaful:
Date /Tarikh: 30/11/2021

Intermediary’s Name / Nama
Nursyafiqah Binti Mohammad Zin
Pengantara:
Intermediary’s Address/ Alamat
NO 18 JLN PERJIRANAN 12/19 BANDAR DATO ONN JOHOR BAHRU 81100 MYS
Pengantara:
Manager’s Declaration
Pengakuan Pengurus
Applicable to takaful intermediary who has been contracted for one year and below.
Digunapakai sekiranya pengantara takaful telah berkontrak satu tahun dan ke bawah.
I declare that I have reviewed this Customer Fact Find form and to my best belief and knowledge, the advice and recommendation given
by the takaful intermediary is sound and appropriate.
Saya mengesahkan bahawa saya telah memeriksa borang Pencarian Fakta Pelanggan ini dan mengikut serta pengetahuan saya sebaik
mungkin, nasihat dan cadangan yang diberikan oleh pengantara takaful ini adalah kukuh dan sesuai.
Signature of Manager:
Tandatangan Pengurus:
MOHD HAMZAVI BIN MD ZAIN

30/11/2021 10:20:05 PM

Name of Manager / Nama Pengurus: MOHD HAMZAVI BIN MD ZAIN
Page 9 of 11
SNB020D1904
Form / Borang
Customer’s Acknowledgement
Pengakuan Pelanggan
I/We acknowledge that the takaful agent has provided me/us with a copy of the completed Customer Fact Find form.
Saya/Kami mengaku bahawa ejen takaful telah memberikan saya/kami salinan borang Pencarian Fakta Pelanggan yang lengkap.
I/We acknowledge that the takaful agent has shown me/us the contents of the completed Customer Fact Find form in softcopy and
I/we agree that a soft/hard copy of the same Form will be provided to me/us before the issuance of the certificate.
Saya/Kami mengakui bahawa ejen takaful telah menunjukkan kepada saya/kami kandungan borang Pencarian Fakta Pelanggan yang
telah lengkap di dalam salinan skrin dan saya/kami bersetuju bahawa satu salinan skrin / cetak borang yang sama akan diberikan
kepada saya/kami sebelum pengeluaran dari sijil.
I/We acknowledge that the takaful agent has shown or provided me/us the web address of the Takaful Service Guide.
Saya/Kami mengakui bahawa ejen takaful telah menunjukkan atau meberikan saya/kami alamat web Panduan Perkhidmatan Takaful.
I/We understand that all information provided in this form have been given to allow the takaful agent to advise / recommend suitable
takaful products to me and will be treated with strict confidence.
Saya/Kami faham bahawa semua maklumat yang diberikan dalam borang ini telah diberikan untuk membenarkan ejen takaful memberi
nasihat / mengesyorkan produk takaful yang sesuai kepada saya dan akan dianggap sulit.
I/We understand and agree that any personal information collected or held by FWD Takaful (whether contained in this form or otherwise
obtained) may be used, processed, disclosed and shared by FWD Takaful to individuals/organisations related to and associated with FWD
Takaful or any selected third party (within or outside of Malaysia, including retakaful and claims investigation companies and industry
associations/federations) for the purpose of processing this form and providing subsequent services for this and other financial products
and services to communicate with me/us for such purposes.
Saya/Kami memahami dan bersetuju bahawa mana-mana maklumat peribadi yang dikumpulkan atau disimpan oleh FWD Takaful (sama
ada terkandung dalam borang ini atau diperolehi dengan cara lain) boleh digunakan, diproses, didedahkan dan dikongsi oleh FWD Takaful
kepada individu/organisasi berhubung atau berkaitan dengan FWD Takaful atau mana-mana pihak ketiga yang terpilih (di dalam atau di
luar Malaysia, termasuk retakaful dan syarikat penyiasatan tuntutan dan persatuan industri/persekutuan) bagi tujuan pemprosesan borang
ini dan pemberian perkidmatan susulan untuk produk ini dan produk dan perkhidmatan lain dan untuk berhubung dengan saya/kami bagi
tujuan tersebut.
I/We understand that I/we have the right to request access to my personal information held by FWD Takaful and to request correction of
any personal information which is incorrect or to limit the processing of my personal information. I/We consent and hereby authorise
FWD Takaful to charge a fee for processing and complying with such data access request or correction requests.
Saya/Kami memahami bahawa saya/kami mempunyai hak untuk mendapatkan akses kepada maklumat peribadi yang disimpan oleh FWD
Takaful dan memohon pembetulan mana-mana maklumat peribadi yang salah atau menghadkan pemprosesan maklumat peribadi
saya/kami. Saya/Kami mengizinkan dan dengan ini memberi kebenaran kepada FWD Takaful untuk mengenakan fi untuk memproseskan
dan mematuhi permintaan akses data atau permintaan pembetulan.
Customer’s Signature:
Tandatangan Pelanggan:

Customer’s Name / Nama Pelanggan: Faiz Fahmi Bin Ariffin @ Azmi
This form should be attached with the Proposal and Declaration Form.
Borang ini hendaklah dilampirkan bersama Borang Cadangan dan Perisytiharan.
A Confirmation of Advice will be sent to you together with the issuance of the certificate contract by your takaful operator.
Pengesahan Nasihat akan dihantar kepada anda bersama dengan pengeluaran kontrak sijil oleh pengendali takaful anda.
Page 10 of 11
SNB020D1904
Form / Borang
Confirmation Of Advise
Pengesahan Nasihat
Confirmation of Advice given to /
Faiz Fahmi Bin Ariffin @ Azmi
Pengesahan Nasihat diberikan kepada:
Name of Proposed Participant /
Nama Peserta yang Dicadangkan
By / Oleh: Nursyafiqah Binti Mohammad Zin

Based on the information provided in the Customer Fact Find form, we have concluded the prioritized financial goals are as follows:
Berdasarkan maklumat yang diberikan dalam borang Pencarian Fakta Pelanggan, saya merumuskan keutamaan matlamat kewangan
anda seperti berikut:
Note: Ranking of 1-6; where ‘1’ means most important & ‘6’ means least important.
Nota: Keutamaan dari 1 – 6; di mana ‘1’ bermakna paling penting & ‘6’ bermakna kurang penting.
Planning for income protection & debts settlement in the event of death & disability and critical
illness
1
Perancangan untuk perlindungan pendapatan & penyelesaian hutang apabila berlaku kematian &
hilang upaya dan penyakit kritikal
Planning for medical & health care cost

4
Perancangan kos perubatan dan penjagaan kesihatan
Planning for old age/retirement

3
Perancangan hari tua/persaraan
Planning for children’s education

5
Perancangan pendidikan anak-anak
Regular savings/ Lump sum investment

2
Simpanan berjadual / Pelaburan sekali gus
Others
6
Lain-lain
Name of Person Product Type Term Contribution Frequency of Total Sum Additional Participation
Covered Jenis Produk Tempoh Sumbangan payment Covered Benefits Penyertaan
Nama Orang Kekerapan Keseluruhan Manfaat (Yes or No / Ya
Dilindungi Bayaran Jumlah Tambahan atau Tidak)
Dilindungi (RM)
Faiz Fahmi Bin
ILP 70 1,200 Monthly 100,000 No
Ariffin @ Azmi
Signature of Intermediary:
Tandatangan Perantara:

Name of Takaful Intermediary /
Nursyafiqah Binti Mohammad Zin
Nama Pengantara Takaful:
NRIC No /No. KP: 890905235160
You may cancel your certificate by returning the certificate to your takaful operator within 15 days after the delivery of certificate and your
contribution will be refunded immediately to you.
Anda boleh membatalkan sijil anda dengan mengembalikan sijil kepada pengendali takaful anda dalam tempoh 15 hari selepas
penghantaran sijil dan sumbangan anda akan dikembalikan dengan segera kepada anda.
This statement should be attached with the certificate and a copy will be kept by the takaful operator and the takaful intermediary.
Kenyataan ini hendaklah dilampirkan bersama sijil dan salinan akan disimpan oleh pengendali takaful dan pengantara takaful.
Page 11 of 11
SNB020D1904
FWD Invest First - Benefit Illustration
FWD Takaful Berhad
Prepared by: Nursyafiqah Binti Mohammad Zin
Level 29 Menara Shell
Date: 30/11/2021
211 Jalan Tun Sambanthan Brickfields
Quotation No.: 047017000028
50470 Kuala Lumpur
Is investment-linked certificate right for you? Are you aware of the costs, benefits and risks?
Understanding the symbols we use in this document

Do you know that... Have you been advised of... Have you been told...
A. SUMMARY:
Below summarises what this certificate offers, the key people involved and how much it will cost to participate in this certificate.
FWD Takaful Berhad
Name of takaful operator: FWD Takaful is registered under Islamic Financial Services Act 2013 and is regulated by Bank
Negara Malaysia
Product name: FWD Invest First
Product package: Legacy Package
Type of certificate: 39 Year Regular pay contribution investment linked plan
Sum covered: RM 100,000.00
Coverage period for person covered: 39 Years
Age next Smoker Occupation

Name Gender
birthday at entry status class
Person covered: Mr.Faiz Fahmi Bin Ariffin @ Azmi Male 31 Smoker 1
Certificate owner: Mr.Faiz Fahmi Bin Ariffin @ Azmi Male 31 Smoker 1

Summary of the benefits provided by your base plan
FWD Invest First is a flexible takaful solution to save for your future needs as well as to protect you and your family.
Maturity benefit: ■ 100% of the value in the Participants’ Savings Account (PSA) is payable.
Surrender benefit: ■ 100% of the value in PSA is payable.
Death benefit: ■ The total of the sum covered and account value in PSA is payable upon death.
■ This benefit continues throughout the whole term of the certificate as long as it is in-
force.
■ If person covered dies between ages 60 to 80 ANB, we will use 125% of sum covered to
calculate death benefit as per your product package.
Total and Permanent Disability ■ The sum covered will be payable upon TPD, earlier of age 75 ANB or expiry of plan.
(TPD) benefit: ■ In addition, future contributions will be waived and certificate will continue with death
cover, subject to value of the PSA is sufficient to pay for charges due.
■ The definition of TPD is provided in your certificate.
Waiver of contribution : ■ Future base contributions are waived if the person covered suffers TPD prior to expiry
of the certificate or age 75 ANB, whichever is earlier.
Auto sum covered increase: ■ You can increase your sum covered by 5% per annum without underwriting for 6
continuous years.
Life event sum covered increase: ■ You can increase the sum covered by 10% without underwriting upon any 2 key life
events of the person covered as defined in the certificate.
No lapse guarantee: ■ If the value in your PSA falls to zero during the first 60 months of your certificate, FWD
Takaful will pay for any deficit charges on your behalf if you do all of the following:
■ We will not create any debt on your certificate.
Rider Benefits: ■ For a summary of your riders benefits, please refer to the ‘Rider(s)’ section below.
Note: The PSA account value depends on the number of units you are holding in different funds chosen by you as well as the value of
those units. Hence the PSA account value is not guaranteed and depends on the investment performance of your chosen funds.

B. YOUR CONTRIBUTIONS:
Summary of the contributions you will pay
Contribution Payments (RM) Monthly Quarterly Half-Yearly Annually
Base plan: 100.00 300.00 600.00 1,200.00
Regular top-up contributions since inception: - - - -
FWD Critical Illness (CI) rider: 36.42 109.26 218.52 437.04
FWD Medical rider*: 114.92 344.75 689.50 1,379.00
FWD Medical Executive rider*: 23.75 71.25 142.50 285.00
Total contributions for each frequency: 275.09 825.26 1,650.52 3,301.04
Stamp duty: RM10.00 on top of first contribution payment
Base contribution payment period: 39 Years
Ad hoc top-up contribution: -
Ad hoc top-up contribution in: -
Frequency of all contributions paid: Monthly
*The contribution displayed is applicable for the first certificate year only. The contribution will increase based on age as illustrated in the
rider illustration table.
C. YOUR FUND ALLOCATIONS:
Funds invested
FWD Takaful Asia Pacific Islamic
60% 1.50%
Equity Fund
FWD Takaful Islamic Sukuk Fund 40% 1.00%
Reminder: Please read the marketing literature which includes product benefits and objectives of the investment linked fund. It is
important to select a fund or a combination of funds that suit your financial goals and risk profile. Your contributions to the base plan and
top-ups are invested in the funds using the ratios chosen by you. Through our customer portal, you can update the funds that you want to
invest in, and the ratio of funds to be used for future contributions.

IMPORTANT:
A. You should read this illustration together with the fund fact sheet(s) of the investment fund(s) which you have chosen. The
fund fact sheet contains all the important information that you will need to know regarding the investment fund(s).
B. Since only 60.00% of the annual contribution for the first two certificate years is used to purchase units, while 95.00% of top-
up is used to purchase units, you can maximise your investment value by minimising your annual contribution and
maximising your top-ups.
■ Minimum annual contribution required as per your payment mode: RM1,200.00
■ Minimum regular top-ups allowed: RM50.00
■ Minimum ad-hoc top-ups allowed: RM500.00
C. Therefore, if your participation involves a contribution of sizeable amount say RM5,000 and above, you should consider
participating in a single contribution investment-linked certificate (rather than a regular contribution certificate) as single
contribution plans offer better allocation rates for investment.
D. Your investment-linked certificate will terminate if there are not enough units in your fund to pay the charges. Your units may
not be enough over the years due to:
■ Poor investment returns
■ Contribution holiday – i.e. if you stop paying contributions for a long period of time
■ Partial withdrawals
E. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your Agent or
FWD Takaful on your tolerance to risk.
F. The illustrated tabarru' and the other charges are based on current levels. These are not guaranteed and may be varied from
time to time by giving 3 months' notice to certificate owners.
WARNING
YOUR TABARRU' CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE
ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR TABARRU' CHARGES DUE TO POOR INVESTMENT RETURNS,
WHICH WILL RESULT IN YOUR CERTIFICATE BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR
REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO MAINTAIN YOUR CERTIFICATE.*
*You should ask your Agent to explain the tabarru' charges and its effect on your future takaful coverage.

THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND
IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS
How FWD Invest First works

It is flexible but you bear the How your base plan contributions will be used:
investment risk.
Total annual contribution paid: RM 1,200.00
This is a takaful product that is tied to
the performance of the investment
fund(s) which you selected. The
Contribution allocated coverage
Unallocated Contribution
Benefits to PSA you will
■ Flexibility to vary your contribution receive
amount or coverage if your financial
need changes.
■ Choice of funds depending on level Upfront charge on contribution Amount used to Sum
of risk you are comfortable with. paid to meet our expenses and purchase units in the covered
commission to Agents investment fund(s) RM
Risks 100,000.00
is the
■ You bear the investment risk
minimum
entirely including poor returns. amount
Deduct fees and
■ If your fund performs poorly or if charges payable
your takaful operator increases your on TPD.
charges: Upon
Base plan commission paid to Agent is: Tabarru' charges for death,
- You may lose your takaful cover; or your takaful cover
% of the sum
- Your cash value may be adversely Amount covered
contribution
affected. and
Year 1 RM 480.00 40.00% Other charges e.g.
■ You may need to increase your service wakalah charge value in
contributions or reduce the level of Year 2 RM 480.00 40.00% PSA is
takaful protection to avoid losing payable.
Year 3 RM 300.00 25.00%
your takaful cover. Fund management
Year 4 RM 300.00 25.00% wakalah charge
Year 5 RM 180.00 15.00%
Year 6 RM 180.00 15.00%
What you may receive:
Regular top-up commission is RM 0.00
(3.75% of each regular top-up
contribution)
Non-guaranteed
cash value amount
received on surrender/
maturity
Fees and charges taken out of your investment fund(s) which reduce the amount available
for investment:
• Contribution Holiday Charge if contribution holiday is taken.
Alternative products which can provide similar protection at lower risk to you.
■ Family takaful products: Investment management is decided by the takaful operator on behalf of the participants. The
benefits and coverage period are similar to investment-linked certificate.
D. SUMMARY ILLUSTRATION OF YOUR BASE PLAN:

■ The numbers in the table below are to illustrate the variability in the non-guaranteed benefits. To show the difference in amounts, we
have chosen a return of 5% p.a. every year for Scenario 1 and 2% p.a. every year for Scenario 2. Please refer to the fund fact sheet
for the past actual annual investment returns.
■ This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees and
charges on cash values based on the illustration below.
■ The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen
investment fund(s). They are not guaranteed and not based on past performance.
■ Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets that the fund invests in.
■ The actual returns may even be below the projected rates or negative.

Allocated contribution
Contribution paid Tabarru’ Fund management Non-guaranteed cash Non-guaranteed death
End of Top- Service Sum
each year Base Plan charges (RM) wakalah charge (RM) TPD Benefit value (RM) benefits (RM)
certificate Age ups Total Wakalah covered
(RM)
year Base Top- allocated Charge Base (RM)
Scenario 1 Scenario 2 Scenario 1 Scenario 2 Scenario 1 Scenario 2
contribution ups RM % RM % contribution certificate
1 31 1,200 - 720 60.00% - - 720 84 126 4 4 100,000 100,000 519 511 100,519 100,511
2 32 1,200 - 720 60.00% - - 720 84 127 10 10 100,000 100,000 1,053 1,024 101,053 101,024
3 33 1,200 - 720 60.00% - - 720 84 129 17 17 100,000 100,000 1,603 1,538 101,603 101,538
4 34 1,200 - 960 80.00% - - 960 84 129 26 25 100,000 100,000 2,415 2,295 102,415 102,295
5 35 1,200 - 960 80.00% - - 960 84 127 37 35 100,000 100,000 3,255 3,058 103,255 103,058
6 36 1,200 - 960 80.00% - - 960 84 130 48 45 100,000 100,000 4,120 3,822 104,120 103,822
7 37 1,200 - 1,140 95.00% - - 1,140 84 133 61 56 100,000 100,000 5,193 4,767 105,193 104,767
8 38 1,200 - 1,140 95.00% - - 1,140 84 142 75 68 100,000 100,000 6,292 5,709 106,292 105,709
9 39 1,200 - 1,140 95.00% - - 1,140 84 151 89 80 100,000 100,000 7,417 6,646 107,417 106,646
10 40 1,200 - 1,140 95.00% - - 1,140 84 166 104 92 100,000 100,000 8,564 7,574 108,564 107,574
11 41 1,200 - 1,200 100.00% - - 1,200 84 176 119 105 100,000 100,000 9,799 8,557 109,799 108,557
12 42 1,200 - 1,200 100.00% - - 1,200 84 195 136 117 100,000 100,000 11,055 9,525 111,055 109,525
13 43 1,200 - 1,200 100.00% - - 1,200 84 219 152 130 100,000 100,000 12,327 10,475 112,327 110,475
14 44 1,200 - 1,200 100.00% - - 1,200 84 246 168 142 100,000 100,000 13,614 11,403 113,614 111,403
15 45 1,200 - 1,200 100.00% - - 1,200 84 275 185 154 100,000 100,000 14,912 12,307 114,912 112,307
16 46 1,200 - 1,200 100.00% - - 1,200 84 306 202 165 100,000 100,000 16,222 13,184 116,222 113,184
17 47 1,200 - 1,200 100.00% - - 1,200 84 341 219 176 100,000 100,000 17,538 14,031 117,538 114,031
18 48 1,200 - 1,200 100.00% - - 1,200 84 372 236 187 100,000 100,000 18,866 14,852 118,866 114,852
19 49 1,200 - 1,200 100.00% - - 1,200 84 412 253 198 100,000 100,000 20,196 15,636 120,196 115,636
20 50 1,200 - 1,200 100.00% - - 1,200 84 456 271 208 100,000 100,000 21,525 16,381 121,525 116,381
25 55 1,200 - 1,200 100.00% - - 1,200 84 733 355 247 100,000 100,000 27,993 19,351 127,993 119,351
30 60 1,200 - 1,200 100.00% - - 1,200 84 1,120 432 268 100,000 100,000 33,877 20,801 158,877 145,801
35 65 1,200 - 1,200 100.00% - - 1,200 84 1,836 484 254 100,000 100,000 37,661 19,357 162,661 144,357
39 69 1,200 - 1,200 100.00% - - 1,200 84 2,487 490 202 100,000 100,000 37,776 14,988 162,776 139,988
■ Contribution paid less allocated contribution is the Wakalah charge that is taken by us to pay for distribution costs and to cover our expenses.
■ The distribution costs paid from this charge is for the services that the Agent will provide you for the duration of your certificate.
■ The death benefit payable is the total of the sum covered and value in the PSA.
■ Age means ‘Age next Birthday’ (ANB) for all purpose in this benefit illustration.

E. NOTE:
■ FWD Takaful believes that it is important for you to fully appreciate all the benefits under your certificate, and that you also understand
how the cost of the takaful protection, distribution, administration, investment and other costs affect these benefits.
■ You should satisfy yourself that the plan serves your needs and that you can afford the contributions. If you need clarification about any
aspect of this plan, please contact us or your Agent.
■ Participating in a regular contribution family certificate is a long-term commitment. It is not advisable to hold this certificate for a short
period of time in view of the high initial costs.
■ The information below explains the individual items in your plan illustration table above.
Contribution Paid:
■ This is the amount that you (the certificate owner) pay for this certificate. Take note that not all of the amount paid will be invested into
the investment fund(s) you selected. See explanation on unallocated and allocated contribution below.
Unallocated Contribution (Wakalah fee):
■ The unallocated contribution charge is an upfront charge on the contribution paid and is used to meet our expenses and total
distribution cost, including the commissions payable to our Agents.
■ Total Distribution Cost is the amount received by the intermediary for marketing this certificate and services that the intermediary will
provide to you for the duration of your certificate. This amount is paid from the charges that are imposed on your certificate.
■ This amount also includes the amount that the intermediary may be entitled to for the duration of your certificate provided that the
intermediary meets the performance criteria set by the company.
Allocated Contribution:
■ This is the amount that will be used to purchase units in the investment fund(s) which you selected. The allocation rates for this
investment-linked certificate are as follows (in RM and as a percentage of contributions):
Contribution paid (RM) 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200
Wakalah fee (%) 40.00% 40.00% 40.00% 20.00% 20.00% 20.00% 5.00% 5.00% 5.00% 5.00% -%
Base Plan
Wakalah fee (RM) 480 480 480 240 240 240 60 60 60 60 -
Contribution
Allocated contribution (%) 60.00% 60.00% 60.00% 80.00% 80.00% 80.00% 95.00% 95.00% 95.00% 95.00% 100.00%
Allocated contribution (RM) 720 720 720 960 960 960 1,140 1,140 1,140 1,140 1,200
Contribution paid (RM) - - - - - - - - - - -
Regular Wakalah fee (%) 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
Top-up Wakalah fee (RM) - - - - - - - - - - -
Contribution Allocated contribution (%) -% -% -% -% -% -% -% -% -% -% -%
Allocated contribution (RM) - - - - - - - - - - -
Contribution paid (RM) -
Ad Hoc Wakalah fee (%) -
Top-up Wakalah fee (RM) -
Contribution Allocated contribution (%) -
Allocated contribution (RM) -
Charges:
The following charges are taken out of your investment fund(s).
■ Tabarru’ charges are deducted monthly from the value of your units to pay for your takaful coverage.
The tabarru’ charge for takaful coverage varies by your attained age, sex, occupation, medical rating and smoking status. The tabarru’
charges will increase as you grow older.
■ Service wakalah charge is RM 7.00 per month.
■ Contribution holiday charge is a charge if you do not pay your contractual contributions during the first three certificate years. It will
be 2% of each missed contribution due and will be deducted from your PSA.
■ Fund management wakalah charge refers to the annual wakalah charge (percentage of investment fund) deducted to cover the cost of
managing the investment fund(s). It will be charged at the fund level and taken into consideration when the unit price is calculated.
The illustrated tabarru’ and other charges are based on current levels. These are not guaranteed and may be changed from time to time
after giving 3 months’ notice to certificate owners.
Value in Participants' Savings Account:
This is the projected value of units at any particular point in time that you may receive if you surrender the certificate. It is net of tax and
all applicable charges. If the certificate is terminated early, you may get less than the amount of contributions paid.

Basic Sum Covered:
This is the minimum amount that will be payable when the person covered become totally and permanently disabled.Upon person
covered’s death, the total of the sum covered and value in the PSA is payable. We will pay this amount except in following circumstances:
Exclusion Description
We will not pay any benefit under this certificate if the claim arises from suicide, attempted suicide or self-
Suicide, attempted inflicted act by a person covered within one year of the start of your certificate,or the date we last reinstated
suicide or self-inflicted your certificate, or the date we last approved an increase in the death benefit under your certificate. This
act applies regardless of the mental state of the person covered. If this happens, the certificate will be void and
terminated.
We will not pay any benefit under this certificate if the claim arises because you or a person covered wilfully
Unlawful acts
participated in an unlawful act, or unlawful failure to act.
We will not pay any benefit under this certificate if the claim is a result of an act of war (whether declared or
War
not), coup, revolution, riot or any similar event.

FWD Critical Illness Rider
A rider can provide additional protection or enhance existing benefits payable under your base certificate. Riders available for this plan
are contribution paying meaning the cost of the rider has not been incorporated into the contribution for your base certificate. As a result
you should pay separate contribution for the riders chosen by you.
Sum Contribution payment period Coverage period

Rider Type Contribution paid
covered (years) (years)
FWD Critical Illness (CI) Contribution paying RM 36.42
50,000.00 39 39
rider rider Monthly
Rider’s benefit description

FWD Critical Illness (CI) rider: ■ If the person covered under base plan is diagnosed with one of the critical illness from the
list below then we will pay 100% sum covered under this rider.
■ Refer to your certificate to understand how we define a critical illness and the claim
process for this rider.

Total fees
End of certificate Contribution paid each Tabarru’ Guaranteed Surrender
Age Management Direct
year year charge benefits benefits
expenses commissions
1 31 437 131 22 284 50,000 -
2 32 437 197 65 175 50,000 -
3 33 437 197 126 114 50,000 -
4 34 437 262 88 87 50,000 -
5 35 437 328 65 44 50,000 -
6 36 437 328 65 44 50,000 -
7 37 437 328 109 - 50,000 -
8 38 437 328 109 - 50,000 -
9 39 437 328 109 - 50,000 -
10 40 437 328 109 - 50,000 -
11 41 437 393 44 - 50,000 -
12 42 437 393 44 - 50,000 -
13 43 437 393 44 - 50,000 -
14 44 437 393 44 - 50,000 -
15 45 437 393 44 - 50,000 -
16 46 437 393 44 - 50,000 -
17 47 437 393 44 - 50,000 -
18 48 437 393 44 - 50,000 -
19 49 437 393 44 - 50,000 -
20 50 437 393 44 - 50,000 -
25 55 437 393 44 - 50,000 -
30 60 437 393 44 - 50,000 -
35 65 437 393 44 - 50,000 -
39 69 437 393 44 - 50,000 -
- Age means 'Age next Birthday' (ANB) for all purpose in this benefit illustration.
If you aren’t completely satisfied with your rider, and you haven’t made a claim under it, you can surrender the rider only without
affecting the benefits under your base plan.

FWD Medical Rider and Medical Executive Rider
A rider can provide additional protection or enhance existing benefits payable under your base certificate. Riders available for this plan
are contribution paying meaning the cost of the rider has not been incorporated into the contribution for your base certificate. As a result
you should pay separate contribution for the riders chosen by you.
Contribution Contribution payment Coverage period
Rider Type Sum covered
paid period (years) (years)
FWD Medical Contribution RM 114.92 Please refer to Product Disclosure
39 39
rider* paying rider Monthly Sheet for your covered benefits
FWD Medical Contribution RM 23.75 Please refer to Product Disclosure
39 39
Executive rider* paying rider Monthly Sheet for your covered benefits
*The contribution displayed is applicable for the first certificate year only. The contribution will increase based on age as illustrated in the
rider illustration table. The coverage period is subject to the maximum expiry age of the rider.
Rider’s benefit description

FWD Medical and Medical Executive ■ If the person covered under the rider is hospitalised or undergoing a surgery due to sickness
rider: or accidental injury or requires outpatient treatment for specific illnesses, we will provide
eligible benefits listed in the Schedule of Benefits under this rider.
■ Refer to your certificate to understand how we define all eligible benefits and the claim
process for this rider.

Total fees
End of certificate year Age Contribution paid each year Tabarru’ charge Guaranteed benefits
Management expenses Direct commissions
1 31 1,664 1,132 282 250
2 32 1,664 1,132 282 250
3 33 1,664 1,132 282 250
4 34 1,664 1,132 282 250
5 35 1,664 1,132 282 250
6 36 2,014 1,370 342 302
7 37 2,014 1,370 342 302
8 38 2,014 1,370 342 302
9 39 2,014 1,370 342 302
10 40 2,014 1,370 342 302
11 41 2,377 1,616 404 357
12 42 2,377 1,616 404 357
See note below #
13 43 2,377 1,616 404 357
14 44 2,377 1,616 404 357
15 45 2,377 1,616 404 357
16 46 3,258 2,215 554 489
17 47 3,258 2,215 554 489
18 48 3,258 2,215 554 489
19 49 3,258 2,215 554 489
20 50 3,258 2,215 554 489
25 55 3,493 2,375 594 524
30 60 4,249 2,889 723 637
35 65 5,643 3,837 960 846
39 69 8,643 5,877 1,470 1,296
- Age means 'Age next Birthday' (ANB) for all purpose in this benefit illustration.
# Note: Please refer to Product Disclosure Sheet for your covered benefits.
If you aren’t completely satisfied with your rider, you can surrender the rider only without affecting the benefits under your base
plan.

Definition of total and permanent disability (TPD)
For a person covered under age 71 (ANB) who is working for remuneration when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury which has caused them to be unable to work for at least six months in a row,
and to be totally and permanently unable to engage for profit or reward in:
■ the occupation they were engaged in when the illness or injury first happened; and
■ any occupation they are suited to base on their education, experience, or training.
For a person covered under age 71 (ANB) who is not working for remuneration when they first suffer an illness or injury:
Means the person covered has suffered an illness or injury, and totally and permanently unable to perform at least 3 of the activities of
daily living without the assistance of another person for at least six months in a row.
For a person covered up to age 75 (ANB):
■ the sight of both eyes; or
■ the sight of one eye and the loss of use of one limb at above the ankle or wrist; or
■ both hands at or above the wrists; or
■ both feet at or above the ankles; or
■ one hand at or above the wrist and one foot at or above the ankle.
For the purpose of this TPD definition, the word “permanent” means beyond the hope of recovery and verified by a qualified medical
practitioner.
The activities of daily living means

1. Transfer: The ability to get in and out of a chair without requiring physical assistance.
2. Mobility: The ability to move from room to room without requiring physical assistance.
3. Continence: The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
4. Dressing: The ability to put on and take off all necessary items of clothing without requiring the any assistance.
5. 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.
6. Eating: All tasks of getting food into the body once it has been prepared.
Critical illness conditions – covered under FWD Payor Rider, FWD CI Rider and FWD Critical Illness Waiver of
Contribution Rider
1. Heart attack 13. Encephalitis 26. Multiple sclerosis
2. Alzheimer's disease or severe 14. End-stage liver failure 27. Muscular dystrophy (over age 11 only)
dementia 15. End-stage lung disease 28. Paralysis of limbs
3. Bacterial meningitis 16. Full-blown AIDS 29. Parkinson's disease
4. Benign brain tumor 17. Fulminant viral hepatitis 30. Primary pulmonary arterial hypertension
5. Blindness 18. Heart valve surgery 31. Serious coronary artery disease
6. Brain surgery 19. HIV Infection due to blood transfusion 32. Stroke
7. Cancer 20. Kidney failure 33. Surgery to aorta
8. Cardiomyopathy 21. Loss of independent existence 34. Systemic lupus erythematosus with
9. Chronic aplastic anemia 22. Loss of speech severe kidney complications
10. Coma 23. Major head trauma 35. Third degree burns
11. Coronary artery by-pass surgery 24. Major organ or bone marrow transplant 36. Terminal illness
12. Deafness 25. Motor neuron disease

Applicant's Confirmation
I understand that FWD Takaful Berhad is relying on me to confirm the following information. I also confirm that:
■ I have received a copy of all 28 pages of this illustration. I have reviewed the illustration and understand its purpose is to help me
understand how the certificate works and not to project future values.
■ I understand that this is an investment-linked plan. I also understand that in the event of non-payment of due contribution or if my cash
value falls to zero, the certificate may lapse.
■ I have received a copy of the current Product Disclosure Sheet (PDS) for the plan.
I understand that any earlier marketing illustration proposal which were presented to me by my FWD Takaful’s Agent may be different
from the current illustration due to changes in the age of Person Covered.
By signing this illustration I understand that I am still able to take any appropriate action or recourse should there be any dispute arising
in the future.
30/11/2021
Signature of Applicant Date:
Name: Faiz Fahmi Bin Ariffin @ Azmi
FWD Takaful's Agent’s Confirmation
I certify that this illustration has been presented to the participant and that I have explained that any NON GUARANTEED elements
illustrated are subject to change.
I have made no statements that are inconsistent with this illustration.
30/11/2021
Signature of FWD Takaful’s Agent Date:
Name: Nursyafiqah Binti Mohammad Zin

Product Disclosure Sheet
Note: Please read this Product Disclosure Sheet before you decide to participate in FWD Invest First.
You should also read the general terms and conditions.
Name of takaful operator: FWD Takaful Berhad (‘the Takaful Operator’)
Product name: FWD Invest First
Product package: Legacy Package
Sum covered: RM 100,000.00
Date: 30/11/2021
1. What is this product about and what are the benefits provided?
FWD Invest First - Legacy Package is a flexible 39 Year regular pay contribution investment-linked takaful solution to help you save for
your future needs as well as to protect you and your family. It provides the following benefits:
Summary of the benefits provided by your base plan
FWD Invest First is a flexible takaful solution to save for your future needs as well as to protect you and your family.
Maturity benefit: ■ 100% of the value in the Participant's Savings Account (PSA) is payable.
Surrender benefit: ■ 100% of the value in the PSA is payable.
Death benefit: ■ The total of the sum covered and account value in the PSA is payable upon death.
■ This benefit continues throughout the whole term of the certificate as long as it is
inforce.
■ If person covered dies between ages 60 to 80 ANB, we will use 125% of sum covered to
calculate death benefit as per your product package.
Total and permanent disability ■ The sum covered will be payable upon TPD, earlier of age 75 ANB or expiry of plan.
(TPD) benefit: ■ In addition, future contributions will be waived and certificate will continue with the
death cover, subject to value of the PSA is sufficient to pay for charges due.
■ The definition of TPD is provided in your certificate.
Waiver of contribution (WOC): ■ Future base contributions are waived if the person covered suffers TPD prior to expiry
of the certificate or age 75 ANB, whichever is earlier.
Auto sum covered increase: ■ You can increase the sum covered by 5% per annum without underwriting for 6
continuous years.
Life event sum covered increase: ■ You can increase the sum covered by 10% without underwriting upon any 2 key life
events of the person covered as defined in the certificate.
No lapse guarantee: ■ If the value in your PSA falls to zero during the first 60 months of your certificate, FWD
Takaful will pay for any deficit charges on your behalf if you do all of the following:
■ We will not create any debt on your certificate.
Note: The PSA account value depends on the number of units you are holding in different funds chosen by you as well as the value of
those units. Hence the PSA account value is not guaranteed and depends on the investment performance of your chosen funds.
FWD Invest First also provides the following additional support the person covered or their family:
Services# What we will do
We will arrange, and pay for, the Badal Hajj from our panel of service providers. If the person
Badal Hajj
covered is a non-Muslim, we will pay RM2,000 as an additional payment to the nominee(s).
We will pay for up to 10 counselling sessions with a grief counsellor from our panel; until the
Grief Counselling
total amount charged reaches RM 2,000.
We will pay for up to 3 legal advice sessions with a legal adviser from our panel; maximum
Legal Services
amount of RM2,000 for all legal advice sessions.
#We may change or remove these services by telling you in writing
2. What Shariah concepts apply for this plan?
■ Tabarru’: A donation for the purpose of takaful.
■ Wakalah: The contract where the participant appoints the Takaful Operator to manage the ‘Participants’ Risk Fund’ (PRF) and agrees
to remunerate the Takaful Operator on pre-agreed basis for the services provided.
■ Ju'alah: This is the rewards to the Takaful Operator for the good performance of the PRF it manages. The Takaful Operator will be
rewarded with a 50% share of the surplus from the PRF and the remaining 50% will be distributed to participants.
■ Qard: An interest-free loan that we grant to the PRF if it is in deficit. The loan is repayable from the future surplus arising in the PRF.

3. How much contributions do I have to pay?
■ Your contribution duration is 39 years regular pay and that you have to pay RM100.00 Monthly.
Note:
■ The contribution and certificate terms may vary depending on the underwriting requirements of the Takaful Operator.
■ Unallocated amounts are used to pay wakalah fees, which includes commissions to agents and expenses of the Takaful Operator.
■ After deducting applicable wakalah as mentioned below, the Takaful Operator will allocate the rest to purchase units in the
investment-linked fund that you have chosen in the same proportion as advised by you at application stage.
■ You are advised to refer to the allocation rates given in the benefit illustration.

Funds invested
FWD Takaful Asia Pacific Islamic
60% 1.50%
Equity Fund
FWD Takaful Islamic Sukuk Fund 40% 1.00%
Reminder:Please read the marketing literature which includes product benefits and objectives of the investment linked fund. It is
important to select a fund or a combination of funds that suit your financial goals and risk profile.
4. What are the fees and charges that I have to pay?
■ The tabarru’ charges are deducted monthly from the value of your units. The tabarru’ charges will increase as you grow older.
Details of tabarru’ charges and other charges for the certificate are given in the benefit illustration.
■ Stamp Duty: RM 10 is charged one time upon certificate issuance in additional to your contractual contributions.
■ Fund management wakalah charge refers to the annual wakalah charge (percentage of investment fund) deducted to cover the cost
of managing the investment fund. It will be charged at the fund level and taken into consideration when the unit price is calculated.
■ Service wakalah charge: RM 7 per month
■ The wakalah fees includes commissions to agents and other expenses of the Takaful Operator. You are advised to refer to the
allocation rates given in the benefit illustration.
■ The wakalah fees will be deducted from your contributions as per following schedule:
Wakalah fee* (%) 40.00% 40.00% 40.00% 20.00% 20.00% 20.00% 5.00% 5.00% 5.00% 5.00% -%
Base Plan
Wakalah fee* (RM) 480 480 480 240 240 240 60 60 60 60 -
Contribution
Allocated contribution** (%) 60.00% 60.00% 60.00% 80.00% 80.00% 80.00% 95.00% 95.00% 95.00% 95.00% 100.00%
Allocated contribution** (RM) 720 720 720 960 960 960 1,140 1,140 1,140 1,140 1,200
Contribution paid (RM) - - - - - - - - - - -
Regular Wakalah fee* (%) 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
Top-up Wakalah fee* (RM) - - - - - - - - - - -
Contribution Allocated contribution** (%) -% -% -% -% -% -% -% -% -% -% -%
Allocated contribution** (RM) - - - - - - - - - - -
Contribution paid (RM) -
Ad Hoc Wakalah fee* (%) -
Top-up Wakalah fee* (RM) -
Contribution Allocated contribution** (%) -
Allocated contribution** (RM) -
* Percentage of your takaful contributions that are not allocated towards purchase of units in your participants' savings account.
** Percentage of your takaful contributions that are allocated towards purchase of units in your participants' savings account.
5. What are some of the key terms and conditions that I should be aware of?
■ Importance of disclosure: You must disclose all material facts such as your age, smoker status, medical conditions and occupation
correctly.
■ Free-look period: If you aren’t completely satisfied with your certificate, and you haven’t made a claim under it, you have 15 days
from the date you receive your certificate to cancel it. The Takaful Operator will refund to you the unallocated contributions, the
value of units that have been allocated (if any) at unit price at the next valuation date and any tabarru’ charge and certificate fee that
have been deducted less any medical fee incurred.

■ Cash Value: The cash value of the certificate depends on the performance of the investment-linked funds selected. The higher the
level of takaful coverage selected, the more units will be absorbed to pay for the tabarru’ charges and the fewer units will remain to
accumulate cash values under your certificate.
■ Grace period: A grace period of 60 days from each contribution due date is given for you to pay the respective contributions.
■ Lapse: The certificate will lapse when the account value in the PSA is insufficient to pay for the tabarru’ and other charges due. This is
subject to the No lapse guarantee benefit described above.
This list is non exhaustive, please refer to your certificate to better understand term and conditions under this certificate.
6. What are the limitations and major exclusions under this certificate?
This certificate has certain exclusions, meaning situations where we won’t pay a benefit. The below exclusions apply to the benefits
under your basic certificate. We may also apply specific exclusions to your certificate when we offer to issue your certificate. If any
specific exclusions apply, we will record the details in a certificate endorsement.
Suicide, attempted suicide or We will not pay any benefit under this certificate if the claim arises from suicide, attempted suicide or an
self-inflicted act intentional self-inflicted act by a person covered within one year from:
- the start of your certificate, or the date we last reinstated your certificate; or
- the date we last approved an increase in the death benefit under your certificate.
This applies regardless of the mental state of the person covered.
Unlawful acts We will not pay any benefit under this certificate if the claim arises because you or a person covered
wilfully participated in an unlawful act, or unlawful failure to act.
War We will not pay any benefit under this certificate if the claim is a result of an act of war, riot or similar
event.
Note: This list is non-exhaustive. Please refer to the takaful certificate for the full terms and conditions.
7. Can I cancel my certificate?

■ Participating in an investment-linked plan is a long-term financial commitment. It is not advisable to hold this certificate for a short
period of time in view of the high initial costs. If you find that the fund that you have chosen is no longer appropriate, you have the
flexibility to switch fund without any charge.
■ Yes, you can cancel (terminate) your certificate at any time. If you decide to cancel your certificate, we will refund your account value
in the PSA at next available unit price and your cover will end.
■ If your refund amount is less than or equal to RM 10 and we do not have your bank account detail, we will donate the amount to a
charity of our choosing. If it is more than RM10 and we do not have your bank account details, we will transfer the monies to Registrar
of Unclaimed Moneys. You will not be able to reinstate (restart) your certificate after you cancel it.
8. What do I need to do if there are changes to my or my nominee(s) contact details?

■ It is important that you inform the Takaful Operator of any change in your or your nominee(s)’ contact details to ensure all
correspondences reach you or your nominee(s) in a timely manner.
9. Where can I get further information?

Should you require additional information, please refer to relevant insuranceinfo booklet on ‘investment-linked takaful’ available at all the
branches, or obtain a copy from your agent, or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at:
FWD Takaful Berhad

(Licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia)
Head Office : Level 29 Menara Shell
50470 Kuala Lumpur
Service Hotline :1300 13 7988
Tel :03-2771 7888
Fax :03-2710 7800
E-mail :contact.my@fwd.com
We will respond to your query within 3 working days of us receiving it.
10. Other similar types of cover available

You can check with your agent or contact us directly for other similar types of cover currently available.
IMPORTANT NOTE:
THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE
INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF
THAT THE INVESTMENT-LINKED PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE
CONTRIBUTION THROUGHOUT THE CERTIFICATE DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS
ADVISABLE THAT YOU PAY THE ADDITIONAL CONTRIBUTIONS AS ‘TOP UPS’. RETURNS ON AN INVESTMENT-LINKED FUND IS
NOT GUARANTEED.
The information provided in this product disclosure sheet is valid as at 30/11/2021.

Product Disclosure Sheet – FWD Critical Illness (CI) Rider
Note: Please read this Product Disclosure Sheet before you decide to participate in FWD CI Rider. You should also
read the general terms and conditions.
Product name: FWD CI Rider
Base plan for rider: FWD Invest First
Sum covered: RM50,000.00
Date: 30/11/2021
FWD CI Rider is a 39 Year regular contribution non-investment linked Takaful plan. You have chosen to participate in this Takaful rider
plan along with your FWD Invest First base plan.
Summary of benefits provided by your rider plan
FWD Critical RM50,000.00 ■ If the person covered under the base plan is diagnosed with one of the critical illness from the list
illness (CI) rider: provided in your benefit illustration and certificate then we will pay 100% of the sum covered
under this rider.
■ The rider offers Takaful protection for 39 years as chosen by you.
■ Refer to your certificate to understand how we define a critical illness and the claim process for
this rider.
2. What are the Shariah concepts applicable?

■ Tabarru’: A donation for the purpose of Takaful.
■ Wakalah: The contract where the participant appoints the Takaful Operator to manage the Participants’ Risk Fund (PRF) and agrees
■ Ju'alah: This is the reward to the Takaful Operator for the good performance of the PRF it will be managing. The Takaful Operator will
be rewarded with a 50% share of the surplus from the PRF and the remaining 50% will be distributed to participants.
3. How much contribution do I have to pay?
■ The estimated 39 Year regular contribution that you have to pay is: RM36.42 Monthly.
Note: The contribution and certificate terms may vary depending on our underwriting requirements.

Contribution paid (RM) 437 437 437 437 437 437 437 437 437 437 437
Wakalah fee* (%) 70.00% 55.00% 55.00% 40.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 10.00%
Wakalah fee* (RM) 306 240 240 175 109 109 109 109 109 109 44
Tabarru’ charge** (%) 30.00% 45.00% 45.00% 60.00% 75.00% 75.00% 75.00% 75.00% 75.00% 75.00% 90.00%
Tabarru’ charge** (RM) 131 197 197 262 328 328 328 328 328 328 393
*Percentage of your takaful contributions that are not allocated towards PRF.
■ Importance of disclosure: You must disclose all material facts such as medical conditions, and state your age and smoker status
correctly.
■ Surrender: If you aren’t completely satisfied with your rider, and you haven’t made a claim under it, you can surrender the rider only
without affecting the benefits under your base plan. Upon surrender you will receive your unused contribution less the medical
expenses incurred, if any, for the medical examinations. You will not be able to claim under your rider once it is cancelled.
■ Grace period: A grace period of 60 days from each contribution due date is given for you to pay the respective contributions.
Note: This list is non-exhaustive. Please refer to the Takaful certificate for the terms and conditions under this rider.

6. What are the limitations and major exclusions under this rider?
Specific exclusion:
■ We won’t pay any critical illness benefit if the signs or symptoms leading to diagnosis became apparent to the person covered in the
period below:
- Cancer, cardiovascular conditions and tumors
before or within 60 days after the rider commencement date or reinstatement date (if the rider was reinstated).
- Other conditions
before or within 30 days after the rider commencement date or reinstatement date (if the rider was reinstated).
■ The above applies even if the signs or symptoms were not apparent to the person covered, if they would have been apparent to a
reasonable person in the place of the person covered.
General exclusion:
■ This rider has certain exclusions, meaning situations where we won’t pay a benefit. We list below the exclusions that apply to the
benefits under your rider.
■ We may also apply specific exclusions to your rider. If any specific exclusions apply, we will record the details in an endorsement.
Suicide or self- We will not pay any benefit under this rider if the claim arises from attempted suicide or self-inflicted act by a person
inflicted act covered within one year of the start of your rider or the date we last reinstated your rider. This applies regardless of
the mental state of the person covered.
Unlawful acts We will not pay any benefit under this rider if the claim arises because you or a person covered wilfully participated in
an unlawful act, or unlawful failure to act.
War We will not pay any benefit under this rider if the claim is a result of an act of war, riot or similar event.
Note: This list is non-exhaustive and certain critical illness specific exclusions applies. Please refer to the certificate for the full list of
limitations and exclusions under this rider.
7. Can I cancel my rider?
■ Participating in a family takaful plan is a long-term financial commitment. If you do not pay your contributions within the grace period
of 60 days and;
- your rider is attached to a non-linked base plan then this rider will be automatically terminated;
- your rider is attached to a linked base plan then any tabarru’ due for this rider will be deducted from your Participants’ Savings
Account (PSA) till the value of PSA is insufficient to pay for all due charges as a default option of your certificate. Thereafter it will
be automatically terminated.
■ You can cancel (terminate) your rider at any time. If you cancel your rider you can still continue your base plan. Your rider cover will
end from the date we cancel your rider.
■ Upon surrender, we will deduct from your contribution:
- an amount that covers the period you have been covered for; and
- an administrative fee;
and then refund you what is left. If your refund amount is less than RM 10 and we do not have your bank account details, we will
donate the amount to a charity of our choosing. You will not be able to reinstate (restart) your rider after you cancel it.
8. What do I need to do if there are changes to my/my nominee(s) contact details?
■ It is important that you inform us of any change in your/your nominee(s) contact details to ensure all correspondences reach you/your
nominee(s) in a timely manner.
■ Should you require additional information, please refer to relevant insuranceinfo booklet available at our branches or you can obtain a
copy from the agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at:
FWD Takaful Berhad
(Registered under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia)
Head Office :Level 29 Menara Shell
50470 Kuala Lumpur
Tel :03-2771 7888
Fax :03-2710 7800
You may check with your agent or contact us directly for other similar types of cover currently available.
IMPORTANT NOTICE:
PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF
RIDER THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE RIDER AND DISCUSS
WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION.

Product Disclosure Sheet – FWD Medical Rider
Note: Please read this Product Disclosure Sheet before you decide to participate in FWD Medical Rider. You
should also read the general terms and conditions.
Product name: FWD Medical Rider
Plan: Plan 1
Date: 30/11/2021
FWD Medical Rider is a regular contribution non-investment linked Takaful plan. You have chosen to participate in this Takaful rider plan
along with your FWD Invest First base plan.
Plan chosen Person covered Summary of benefits provided by your rider plan
Plan 1 1. Mr.Faiz Fahmi Bin ■ If the person covered under the rider is hospitalised or undergoing a surgery
Ariffin @ Azmi due to sickness or accidental injury or requires outpatient treatment for
specific illnesses, we will provide eligible benefits listed in the Schedule of
Benefits under this rider.
■ The rider offers Takaful protection for 39 years as chosen by you or subject to
the maximum expiry age of the rider, whichever is earlier.
■ Refer to your certificate to understand how we define all eligible benefits,
exclusions and the claim process for this rider.

be rewarded with a 50% share of the distributable surplus from the PRF and the remaining 50% will be distributed to eligible
participants.
■ The estimated regular contribution that you have to pay is: RM 114.92 Monthly.
Note:
■ The contribution and certificate terms may vary depending on our underwriting requirements.
■ The contribution rates are not guaranteed and may be revised by us giving at least 3 months’ advance written notice to you.
Wakalah fee* (%) 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00%
Wakalah fee* (RM) 441 441 441 441 441 518 518 518 518 518 598
Tabarru’ charge** (%) 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00%
Tabarru’ charge** (RM) 938 938 938 938 938 1,102 1,102 1,102 1,102 1,102 1,271
correctly.
■ Grace period:A grace period of 60 days from each contribution due date is given for you to pay the respective contributions.
Note:This list is non-exhaustive. Please refer to the certificate for the terms and conditions under this rider.

Pre-existing We will not pay any benefit under this rider if the claim arises from disabilities which existed before the start of your rider
conditions or the date we last reinstated your rider.
Unlawful We will not pay any benefit under this rider if the claim arises because you or a person covered wilfully participated in an
acts unlawful act, or unlawful failure to act.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of limitations and exclusions under this rider.

■ Participating in a family Takaful plan is a long-term financial commitment. If you do not pay your contributions within the grace period
of 60 days and;
- an administrative fee (if any);
as determined by us, and then refund you what is left. If your refund amount is less than or equal to RM 10 and we do not have your
bank account details, we will donate the amount to a charity of our choosing. If your refund amount is more than RM10 and we do not
have your bank account details, then we will transfer the monies to Registrar of Unclaimed Moneys. You will not be able to reinstate
(restart) your rider after you cancel it.


FWD Takaful Berhad
50470 Kuala Lumpur
Tel :03-2771 7888
Fax :03-2710 7800

IMPORTANT NOTICE:

Schedule of Benefits
Plan Plan 1
Initial Overall Annual Limit (RM) 200,000
Lifetime Limit (RM) -
Deductible Amount (RM) 1,000
Hospitalisation Benefit
Hospital Room & Board (RM) 200
Intensive Care Unit (maximum up to 90 days per year) As charged
Hospital Supplies & Services As charged
Surgical Fees
As charged
(pre-surgery care up to 30 days and post-surgery care up to 30 days from surgery date)
Operating Theatre Fees As charged
Anaesthetist’s Fees As charged
Ambulance Fees As charged
In-Hospital Physician Visit (maximum up to 150 days per year, maximum 2 visits per day) As charged
Outpatient Benefit
Pre-Hospitalisation Diagnostic Tests (within 60 days before hospitalisation) As charged
Pre-Hospitalisation Specialist Consultation (within 60 days before hospitalisation) As charged
Post-Hospitalisation Treatment (within 90 days after hospitalisation) As charged
Day Surgery/Day Care Procedure As charged
Outpatient Cancer Treatment As charged
Outpatient Kidney Dialysis Treatment As charged
Outpatient Dengue Treatment As charged
Outpatient Physiotherapy Treatment (within 90 days after hospitalisation) As charged
Emergency Accidental Outpatient/Dental Treatment (within 24 hours and follow-up treatment
As charged
up to 30 days)
Other Benefits
Organ Transplant (once per lifetime) As charged
Second Medical Opinion (limit per year) (RM) 1,000
Daily Cash Allowance at Malaysian Government Hospital (maximum up to 150 days per year)
200
(RM)
Daily Cash Allowance at Malaysian Private Hospital (maximum up to 150 days per year) (RM) 50
Home Nursing Care (maximum up to 180 days per lifetime) As charged
Intraocular Lens (RM) Up to 3,000 per eye, 6,000 per lifetime
Medical Report Fees (RM) 100 per disability

Product Disclosure Sheet – FWD Medical Executive Rider
Note: Please read this Product Disclosure Sheet before you decide to participate in FWD Medical Executive Rider.
You should also read the general terms and conditions.
Product name: FWD Medical Executive Rider
Plan: Plan 1
Date: 30/11/2021
FWD Medical Executive Rider is a regular contribution non-investment linked Takaful plan. You have chosen to participate in this Takaful
rider plan along with your FWD Invest First base plan.
Plan chosen Person covered Summary of benefits provided by your rider plan
Plan 1 1. Mr.Faiz Fahmi Bin ■ If the person covered under the rider is hospitalised or undergoing a surgery
Ariffin @ Azmi due to sickness or accidental injury or requires outpatient treatment for
specific illnesses, we will provide eligible benefits listed in the Schedule of
Benefits under this rider.
■ The rider offers Takaful protection for 39 years as chosen by you or subject to
the maximum expiry age of the rider, whichever is earlier.
■ Refer to your certificate to understand how we define all eligible benefits,
exclusions and the claim process for this rider.

be rewarded with a 50% share of the distributable surplus from the PRF and the remaining 50% will be distributed to eligible
participants.
■ The estimated regular contribution that you have to pay is: RM 23.75 Monthly.
Note:
■ The contribution and certificate terms may vary depending on our underwriting requirements.
■ The contribution rates are not guaranteed and may be revised by us giving at least 3 months’ advance written notice to you.
Contribution paid (RM) 285 285 285 285 285 394 394 394 394 394 508
Wakalah fee* (%) 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00% 32.00%
Wakalah fee* (RM) 91 91 91 91 91 126 126 126 126 126 163
Tabarru’ charge** (%) 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00% 68.00%
Tabarru’ charge** (RM) 194 194 194 194 194 268 268 268 268 268 345
correctly.
■ Grace period:A grace period of 60 days from each contribution due date is given for you to pay the respective contributions.
Note:This list is non-exhaustive. Please refer to the certificate for the terms and conditions under this rider.

Pre-existing We will not pay any benefit under this rider if the claim arises from disabilities which existed before the start of your rider
conditions or the date we last reinstated your rider.
Unlawful We will not pay any benefit under this rider if the claim arises because you or a person covered wilfully participated in an
acts unlawful act, or unlawful failure to act.
Note: This list is non-exhaustive. Please refer to the certificate for the full list of limitations and exclusions under this rider.

■ Participating in a family Takaful plan is a long-term financial commitment. If you do not pay your contributions within the grace period
of 60 days and;
- an administrative fee (if any);
as determined by us, and then refund you what is left. If your refund amount is less than or equal to RM 10 and we do not have your
bank account details, we will donate the amount to a charity of our choosing. If your refund amount is more than RM10 and we do not
have your bank account details, then we will transfer the monies to Registrar of Unclaimed Moneys. You will not be able to reinstate
(restart) your rider after you cancel it.


FWD Takaful Berhad
50470 Kuala Lumpur
Tel :03-2771 7888
Fax :03-2710 7800

IMPORTANT NOTICE:

Schedule of Benefits

Plan Plan 1
Revised Overall Annual Limit (RM) 2,000,000
Lifetime Limit (RM) -
Deductible Amount (RM) 1,000
Extended Benefits
Additional Annual Limit due to Cancer, Heart Attack or Kidney Failure 2,000,000
In-Hospital Psychiatric Treatment (up to 30 days per year and 180 days per lifetime) As charged
Hospital Companion’s Bed (1 bed for 1 person who accompanies, maximum up to 60 days per
As charged
year)
Alternative Medical Practitioner (limit per year) (RM) 1,000
Maternity Complications (limit per year) (RM) 4,000

Service Guide
Our Company offers takaful products through our agency force, bank partner, online channel, etc. If you intend to participate in a takaful
products marketed by our agents, you can enjoy these value-added services.

Application / Permohonan
FWD Invest First

Quotation No. :
047017000028
No. Sebut Harga :
Certificate No: Submission Date:
L0660687 30/11/2021
No. Sijil : Tarikh Serahan:
IMPORTANT NOTE:
NOTA PENTING:
Pursuant to Paragraph 5 of Schedule 9 to the Islamic Financial Services Act 2013 ("IFSA"), you are required to answer fully and accurately or
correctly with reasonable care not to make any misrepresentation when answering any questions asked by FWD Takaful Berhad ("FWD
Takaful"). It is your duty to disclose fully and correctly matters that you know to be relevant to the decision of FWD Takaful in accepting the
risk, and determining the rates and terms to be applied; otherwise it may result in voidance of the Takaful contract, refusal of claims or change
of terms. This duty of disclosure shall continue until the time the Takaful contract is entered into, varied or renewed. This is a common
application form and you are at liberty to participate or not to participate in any of the several products offered by this application form. If you
do not understand your obligations as stated above or if you need further explanation, please contact FWD Takaful or our agents.
Menurut Perenggan 5 dalam Jadual 9 Akta Perkhidmatan Kewangan Islam 2013 ("IFSA"), anda perlu menjawab soalan dengan penuh dan tepat
atau betul dengan penuh hati-hati agar tidak memberikan sebarang kesalahnyataan ketika menjawab soalan yang diajukan oleh FWD Takaful
Berhad ("FWD Takaful"). Adalah menjadi tanggungjawab anda untuk mendedahkan secara penuh dan tepat sebarang perkara yang anda
ketahui yang relevan terhadap keputusan FWD Takaful dalam menerima risiko dan menentukan kadar serta syarat yang akan dikenakan; jika
tidak ia boleh membawa kesan kepada pembatalan kontrak Takaful, penolakan tuntutan atau perubahan terma. Kewajipan pendedahan ini
mestilah berterusan sehingga kontrak Takaful ini dimeterai, diubah atau diperbaharui.Ini adalah borang permohonan yang umum dan anda
mempunyai kebebasan untuk mengambil bahagian atau tidak di dalam mana-mana produk yang ditawarkan dengan borang permohonan ini.
Jika anda tidak memahami tanggungjawab anda seperti yang telah dinyatakan di atas atau anda memerlukan penerangan lebih lanjut, sila
hubungi FWD Takaful atau ejen-ejen kami.

This issuance of Takaful Certificates for standard cases is within one month from the date of receipt of the application form, together with the
complete documents / requirements and the appropriate Takaful Contribution. Proof of age is required prior to payment of Takaful benefits
under this Certificate.
Pengeluaran Sijil Takaful untuk kes ''standard'' mengambil masa sebulan dari tarikh penerimaan borang permohonan, bersama dokumen /
keperluan yang lengkap dan Sumbangan Takaful yang bersesuaian. Bukti umur adalah diperlukan sebelum pembayaran manfaat Takaful di
bawah Sijil ini.
FWD Takaful Berhad, Registration No: 200601011780 (731530-M) Page 1 of 20

Certificate Owner Personal Information
Maklumat Peribadi Pemilik Sijil
Name as shown in NRIC/Passport:
Mr. Faiz Fahmi Bin Ariffin @ Azmi
Nama seperti tertera di KP/Pasport:
NRIC number:
910206115261
Nombor KP:
Identification Type & Number:
Jenis Pengenalan & Nombor:
Gender:
Male
Jantina:
Date of Birth:
06/02/1991
Tarikh Lahir:
Age :
31
Umur:
Marital Status:
Single
Taraf Perkahwinan:
Race:
Malay
Bangsa:
Religion:
Islam
Agama:
Nationality:
Malaysian
Kewarganegaraan:
Place of birth: City: Jerteh Province: Terengganu Country: Malaysia
Tempat Kelahiran: Bandar: Jerteh Daerah: Terengganu Negara: Malaysia
Correspondence Address: B-3-11, Shaftbury @ Cyberjaya, Jalan Impact, Cyber 6 , 63000 Cyberjaya , Selangor ,
Alamat Surat Menyurat: Malaysia.
Email Address:
faizfahmi.azmi@gmail.com
Alamat Emel:
Mobile Number:
0179267736
Nombor Telefon Bimbit:
Occupation/Class: Business Owner, Senior Management, others level of office work or administration work
Pekerjaan/Kelas: other than specific business or services / 1
Occupation Description: Working in an office- type environment and spend a lot time seated or at your desk in an
Penerangan Pekerjaan: office e.g. administrator, call center helpdesk, office and clerical worker, IT/System
servicedesk, doctor, management positions or senior-level executives, CEO.
Nature of Work / Business:
Administration
Jenis Pekerjaan /Perniagaan:
Exact Duties:
Operation technical
Tugas Terperinci:
Annual Income:
RM 76,000 - RM 99,999
Pendapatan Tahunan:
Name of Business/Employer:
Raya airways Sdn. Bhd
Nama Perniagaan/Majikan:
Purpose of Takaful Coverage:
Private
Tujuan Perlindungan Takaful:
Preferred Contact Mode:
Email
Cara Hubungan Utama:
DECLARATION: By providing the above information, I consent to FWD Takaful contacting me via any of the above email address, phone
numbers and/or alternate contacts for matters related to this Takaful Certificate for customer care programmes and other matters to serve
my interests.
PENGAKUAN: Dengan memberi maklumat di atas, saya bersetuju untuk mengizinkan FWD Takaful menghubungi saya melalui mana-mana
cara di atas termasuk emel, nombor telefon dan/atau hubungan alternatif untuk perkara berkaitan dengan Sijil Takaful ini bagi program
khidmat pelanggan dan perkara lain yang memenuhi keperluan saya.

Person Covered Personal Information
Maklumat Peribadi Orang Dilindungi
Name as shown in NRIC/Passport:
Mr.Faiz Fahmi Bin Ariffin @ Azmi
Nama seperti tertera di KP/Pasport:
NRIC number:
910206115261
Nombor KP:
Identification Type & Number:
Jenis Pengenalan & Nombor:
Gender:
Male
Jantina:
Date of Birth:
06/02/1991
Tarikh Lahir:
Age :
31
Umur:
Marital Status:
Single
Taraf Perkahwinan:
Race:
Malay
Bangsa:
Religion:
Islam
Agama:
Nationality:
Malaysian
Kewarganegaraan:
Place of birth: City:Jerteh Province:Terengganu Country:Malaysia
Tempat Kelahiran: Bandar:Jerteh Daerah:Terengganu Negara:Malaysia
Correspondence Address: B-3-11, Shaftbury @ Cyberjaya, Jalan Impact, Cyber 6 , 63000 Cyberjaya , Selangor ,
Alamat Surat Menyurat: Malaysia.
Permanent Address: B-3-11, Shaftbury @ Cyberjaya, Jalan Impact, Cyber 6 , 63000 Cyberjaya , Selangor ,
Alamat Tetap: Malaysia.
Email Address:
faizfahmi.azmi@gmail.com
Alamat Emel:
Mobile Number:
0179267736
Nombor Telefon Bimbit:
Occupation/Class: Business Owner, Senior Management, others level of office work or administration work
Pekerjaan/Kelas: other than specific business or services1
Occupation Description: Working in an office- type environment and spend a lot time seated or at your desk in an
Penerangan Pekerjaan: office e.g. administrator, call center helpdesk, office and clerical worker, IT/System
servicedesk, doctor, management positions or senior-level executives, CEO.
Nature of Work / Business:
Administration
Jenis Pekerjaan /Perniagaan:
Exact Duties:
Operation technical
Tugas Terperinci:
Annual Income:
RM 76,000 - RM 99,999
Pendapatan Tahunan:
Name of Business/Employer:
Raya airways Sdn. Bhd
Nama Perniagaan/Majikan:
Purpose of Takaful Coverage:
Private
Tujuan Perlindungan Takaful:
Preferred Contact Mode:
Email
Cara Hubungan Utama:
DECLARATION: By providing the above information, I consent to FWD Takaful contacting me via any of the above email address, phone
numbers and/or alternate contacts for matters related to this Takaful Certificate for customer care programmes and other matters to serve
my interests.
PENGAKUAN: Dengan memberi maklumat di atas, saya bersetuju untuk mengizinkan FWD Takaful menghubungi saya melalui mana-mana
cara di atas termasuk emel, nombor telefon dan/atau hubungan alternatif untuk perkara berkaitan dengan Sijil Takaful ini bagi program
khidmat pelanggan dan perkara lain yang memenuhi keperluan saya.

Detail of Investment Link Plan Applied
Butiran Pelan Berkaitan Pelaburan Digunapakai
Basic Plan Name:
FWD Invest First
Nama Pelan Asas:
Package:
Package C (Legacy)
Pakej:
Sum Covered:
100,000.00
Jumlah Dilindungi:
Riders attachable, if applicable (participation is not compulsory) : Rider Name: Sum Covered (RM):
Rider yang boleh dilampirkan, sekiranya berkenaan (penyertaan tidak Nama Rider: Jumlah Dilindungi (RM):
diwajibkan): FWD Critical Illness (CI) rider 50,000.00
FWD Medical rider 200.00
FWD Medical Executive rider 200.00
Investment - Linked Takaful: Allocation: Percentage:
Takaful Berkaitan Pelaburan: Peruntukan: Peratusan: (%)
FWD Takaful Asia Pacific 60.0
Islamic Equity Fund
FWD Takaful Islamic Sukuk 40.0
Fund
Transaction Amount (RM):
285.09
Jumlah Transaksi (RM):
Contribution Payment
Bayaran Sumbangan
Payor Name:
Nama Pembayar:
Payment Method:
Online Banking (FPX)
Kaedah Pembayaran:
Credit/Debit Card No:
1234xxxxxxxx1234
No Kad Kredit Debit:
Basic Contribution:
Sumbangan Asas:
Nature of Contribution:
Regular
Jenis Sumbangan:
Mode of Payment:
Monthly
Cara Pembayaran:
Advance Contribution Payment (RM):
Bayaran Sumbangan Pendahuluan (RM):
(The advanced contribution payment must be multiple amount based on the selected
mode of contribution payment above. Kindly note that the advanced contribution
payment is only allowed for a maximum one (1) year)
(Bayaran sumbangan pendahuluan hendaklah dibuat dalam jumlah gandaan
berdasarkan kepada cara pembayaran sumbangan yang telah dipilih di atas. Sila
ambil maklum bahawa bayaran sumbangan pendahuluan hanya dibenarkan untuk
maksimum satu (1) tahun sahaja)
Transaction Amount:
285.09
Jumlah Transaksi:
Nature of Contribution:
Regular
Jenis Sumbangan:
Advance Contribution Payment (RM):
Bayaran Sumbangan Pendahuluan (RM):
(The advanced contribution payment must be multiple amount based on the selected
mode of contribution payment above. Kindly note that the advanced contribution
payment is only allowed for a maximum one (1) year)
(Bayaran sumbangan pendahuluan hendaklah dibuat dalam jumlah gandaan
berdasarkan kepada cara pembayaran sumbangan yang telah dipilih di atas. Sila
ambil maklum bahawa bayaran sumbangan pendahuluan hanya dibenarkan untuk
maksimum satu (1) tahun sahaja)
Transaction Amount (RM):
285.09
Jumlah Transaksi (RM):
Regular Top Up Amount (RM):
0.00
Jumlah Tambahan Nilai Tetap (RM):
Direct Credit Details
Butiran Pengkreditan Terus
Payment Method:
Direct Credit
Kaedah Pembayaran:
Account Holder's Name:
Nama Pemegang Akaun:
Bank's Name:
CIMB BANK BERHAD
Nama Bank:
Bank Account No:
7049324474
No Akaun Bank:

Terms and Conditions Credit/Debit Card Instruction

Terma-terma dan Syarat-syarat Arahan Kredit/Debit

In consideration of FWD Takaful Berhad (“FWD Takaful”)’s agreement to accept my authorisation to debit my Credit/Debit Card to pay the
Takaful Contribution(s) under the given Takaful Certificate number(s), I expressly agree to the following terms and conditions:
Sebagai Pertimbangan persetujuan FWD Takaful Berhad (“FWD Takaful”) untuk menerima kebenaran saya bagi mendebitkan Kad Kredit/Debit
saya untuk bayaran Sumbangan Takaful di bawah nombor Sijil Takaful yang diberikan, saya dengan ini bersetuju dengan terma-terma dan
syarat-syarat berikut:

1. FWD Takaful shall determine to make the debit on initial and regular intervals within a month and not to be held responsible for any claims,
losses, damages and expenses arising from the successful or the unsuccessful processing of the debit as authorised due to exceeding
credit limit, malfunction of system, electricity failure and/or all other factors beyond the control of FWD Takaful.
FWD Takaful akan menentukan untuk membuat debit pada masa awal dan selang masa tetap dalam tempoh satu bulan dan tidak
bertanggungjawab terhadap apa-apa tuntutan, kehilangan, kerosakan dan perbelanjaan yang timbul daripada pemprosesan debit yang
telah berjaya atau tidak berjaya seperti yang dibenarkan, disebabkan oleh melebihi had kredit, sistem tidak berfungsi, kegagalan elektrik
dan/atau semua factor-faktor lain yang di luar kawalan FWD Takaful.
2. I shall resolve any problem or dispute arising from the processing of the debit with my Credit/Debit Card issuing bank as FWD Takaful is
only responsible for the arranging to debit my Credit/Debit Card account through the Card Centre as per my authorisation.
Saya akan menyelesaikan sebarang masalah atau pertikaian yang timbul daripada pemprosesan debit dengan bank yang mengeluarkan
Kad Kredit/Debit saya kerana FWD Takaful hanya bertanggungjawab mengatur debit akaun Kad Kredit/Debit saya melalui Pusat Kad
mengukit kebenaran saya.
3. Should the Takaful Contribution(s) amount deducted is insufficient, I hereby authorise FWD Takaful to deduct the balance of my Takaful
Contribution(s) required under the Application. All paid Takaful Contribution(s) will be held under the Application until the Takaful
Certificate commences and no profit shall be payable to me.
Sekiranya jumlah Sumbangan Takaful yang ditolak adalah tidak mencukupi, saya dengan ini membenarkan FWD Takaful untuk menolak
baki jumlah Sumbangan Takaful seperti yang diperlukan di dalam permohonan. Semua Sumbangan Takaful yang dibayar akan dipegang di
bawah permohonan ini sehingga Sijil Takaful bermula dan tiada keuntungan akan dibayar kepada saya.
4. I will ensure that FWD Takaful is notified in writing regarding any changes, loss, conversion or replacement of my Credit/Debit Card or
cancellation of this authorisation at least one month before the next Takaful Contribution(s) is/are due, which shall only become effective
only after FWD Takaful has duly acknowledged receipt of my notifications.
Saya akan memastikan bahawa FWD Takaful dimaklumkan secara bertulis mengenai apa-apa perubahan, kehilangan, penukaran atau
penggantian Kad Kredit/Debit atau pembatalan terhadap kebenaran ini sekurang-kurangya satu bulan sebelum Sumbangan Takaful
seterusnya perlu dibayar, yang hanya akan berkuatkuasa setelah FWD Takaful mengesahkan penerimaan makluman tersebut.
5. I hereby agree to keep FWD Takaful indemnified against any claims, loss, damage and expenses which FWD Takaful may suffer arising
from my authorisation to debit my Credit/Debit Card account as aforesaid.
Saya dengan ini bersetuju untuk membayar ganti rugi kepada FWD Takaful terhadap apa-apa tuntutan, kehilangan, kerosakan dan
perbelanjaan yang mungkin ditanggung FWD Takaful akibat daripada kebenaran saya untuk mendebitkan akaun Kad Kredit/Debit saya
seperti yang disebut terdahulu.
6. Payable Takaful Contribution(s) payments will be considered as paid only upon successful processing of the debit by the Card Centre, and
the actual receipt of the full Takaful Contribution(s) payment by FWD Takaful. The Takaful coverage shall only commence from the date of
approval of the Application subject to full payment of the Takaful Contribution(s).
Bayaran Sumbangan Takaful akan dianggap sebagai telah dibayar hanya selepas pemprosesan debit oleh Pusat Kad telah Berjaya, dan
penerimaan sebenar bayaran Sumbangan Takaful penuh oleh FWD Takaful. Perlindungan Takaful hanya akan bermula dari tarikh kelulusan
Permohonan tertakluk kepada bayaran penuh Sumbangan Takaful.
7. FWD Takaful to use this Credit/Debit Card account only Takaful Contribution(s) refund and no other types of payment due to me, unless
FWD Takaful receives a written instruction from the Payee to revoke this instruction and the Payee providing the Direct Credit detail which
must be approved by FWD Takaful prior to Takaful Contribution(s) Refund effective date.
FWD Takaful menggunakan akaun Kad Kredit/Debit hanya untuk tujuan bayaran balik Sumbangan Takaful dan bukan untuk jenis bayaran
lain yang perlu dibayar kepada saya, melainkan FWD Takaful menerima arahan bertulis daripada Penerima untuk membatalkan arahan ini
dan Penerima memaklumkan butiran Kredit Terus yang akan diluluskan oleh FWD Takaful sebelum tarikh bayaran balik Sumbangan Takaful
berkuatkuasa.
8. I take note that all or part of the Takaful Contribution(s), charges and payments for this Application may be subjected to the Sales &
Service Tax (SST) at the applicable prevailing rate which shall be payable.
Saya mengambil maklum bahawa keseluruhan atau sebahagian daripada Sumbangan Takaful, caj dan bayaran untuk Permohonan ini
mungkin tertakluk kepada Cukai Jalan & Perkhidmatan (CJP) mengikut kadar yang terpakai yang perlu dibayar.
9. FWD Takaful shall within a reasonable period provide a written notice:
FWD Takaful akan memberi notis bertulis dalam tempoh yang munasabah:
a. To discontinue, interrupt, withdraw or suspend this service as it deems fit and FWD Takaful is not to be held liable for any loss or
damage which may be suffered by me/us as a result of such action by FWD Takaful.
Untuk menamatkan, campur tangan, menarik diri atau menangguhkan perkhidmatan ini sekiranya dianggap wajar dan FWD Takaful
tidak akan dipertanggungjawabkan atau menanggung sebarang kehilangan atau kerosakan yang ditanggung oleh saya/kami akibat
daripada tindakan yang diambil oleh FWD Takaful.
b. To add, delete or amend any of the above terms and conditions from time to time. Such amendments shall become effective on such
date as FWD Takaful may elect to adopt and the continued use of this service by me/us shall constitute my/our acceptance of the said
amendments.
Untuk menambah, mengeluarkan atau meminda mana-mana terma-terma dan syarat-syarat di atas. Pindaan tersebut akan
berkuatkuasa pada tarikh yang ditentukan oleh FWD Takaful dan penerusan penggunaan perkhidmatan ini oleh saya/kami merupakan
penerimaan saya/kami terhadap pindaan tersebut.
c. To hold monies pursuant to the Takaful Contribution(s) refund due to the Payee in the event the information provided above is
incorrect, incomplete and/or otherwise not possible due to no fault of FWD Takaful to successfully process this request until the new
Direct Credit detail is received from me.
Untuk memegang wang dari bayaran balik Sumbangan Takaful yang dibayar kepada Penerima sekiranya maklumat yang diberikan di
atas adalah tidak tepat, tidak lengkap dan/atau sebaliknya adalah mustahil bukan atas sebab kesilapan FWD Takaful untuk
memproseskan permintaan ini dengan berjayanya sehingga butiran Pengkreditan Terus yang baru diterima daripada saya.

Terms and Conditions of Direct Credit Instruction

Terma-terma dan Syarat-syarat Arahan Pengkreditan Terus

In consideration of FWD Takaful Berhad (“FWD Takaful”)’s agreement to accept my authorisation to credit my bank account to receive monies
payable to me under the given Takaful Certificate number(s), I expressly agree to the following terms and conditions:
Sebagai pertimbangan persetujuan FWD Takaful Berhad (“FWD Takaful”) untuk menerima kebenaran saya untuk mengkreditkan akaun bank
saya bagi menerima wang yang dibayar kepada saya di bawah nombor Sijil Takaful yang diberikan, saya dengan ini bersetuju dengan terma-
terma dan syarat-syarat berikut:

1. FWD Takaful to use this bank account for the types of payment due to me, unless FWD Takaful receives a written instruction to revoke
this instruction and providing the new Direct Credit detail which must be approved by FWD Takaful prior to payment effective date.
FWD Takaful menggunakan akaun bank ini untuk tujuan sebarang jenis pembayaran yang perlu dibayar kepada saya, melainkan FWD
Takaful menerima arahan bertulis membatalkan arahan ini dan memberikan butiran Pengkreditan Terus yang baru yang akan diluluskan
oleh FWD Takaful sebelum tarikh pembayaran berkuatkuasa.
2. I hereby agree to keep FWD Takaful indemnified against any claims, loss, damage and expenses which FWD Takaful may suffer arising
from my authorisation to credit my bank account as aforesaid.
Saya dengan ini bersetuju untuk membayar ganti rugi kepada FWD Takaful terhadap apa-apa tuntutan, kehilangan, kerosakan dan
perbelanjaan yang mungkin ditanggung FWD Takaful akibat daripada kebenaran saya untuk mengkreditkan akaun bank saya seperti yang
disebut terdahulu.
3. I take note that the Direct Credit facility is only allowed for a valid bank account with a licensed financial institution in Malaysia that
participates in the Interbank Giro (IBG) payment platform and I will provide my Direct Credit detail that fil this condition.
Saya mengambil maklum bahawa perkhidmatan Pengkreditan Terus hanya dibenarkan ke atas akaun bank yang sah bersama institusi
kewangan berlesen di Malaysia yang menyertai platform pembayaran Interbank-Giro (IBG) dan saya akan memberikan butiran
Pengkreditan Terus yang diperlukan.
4. I take note that all or part of the Takaful Contribution(s), charges and payments for this Application may be subjected to the Sales &
Service Tax (SST) at the applicable prevailing rate which shall be payable.
Saya mengambil maklum bahawa keseluruhan atau sebahagian daripada Sumbangan Takaful, caj dan bayaran untuk Permohonan ini
mungkin tertakluk kepada Cukai Jalan & Perkhidmatan (CJP) mengikut kadar yang terpakai yang perlu dibayar.
5. Any fee(s) imposed by the bank for this service shall be fully borne by me.
Sebarang fi yang dikenakan oleh bank untuk perkhidmatan ini akan ditanggung oleh saya.
6. I take note that the Direct Credit instruction shall remain binding until FWD Takaful’s receipt of a written notification from me to cancel
the instruction.
Saya mengambil maklum bahawa arahan Pengkreditan Terus ini adalah sah sehingga FWD Takaful menerima notis bertulis daripada saya
untuk membatalkan arahan tersebut.
7. I hereby agree that FWD Takaful shall not be held responsible for any loss due to the wrong banking account provided by me for the
purpose of payment of the Takaful Certificate.
Saya dengan ini bersetuju bahawa FWD Takaful tidak akan dipertanggungjawabkan ke atas sebarang kerugian akibat daripada pemberian
butiran akaun bank yang salah oleh saya bagi tujuan sebarang pembayaran bagi Sijil Takaful ini.
8. FWD Takaful shall within a reasonable period provide a written notice:
FWD Takaful akan memberi notis bertulis dalam tempoh yang munasabah:
a. To discontinue, interrupt, withdraw or suspend this service as it deems fit and FWD Takaful is not to be held liable for any loss or
damage which may be suffered by me/us as a result of such action by FWD Takaful.
Untuk menamatkan, campur tangan, menarik diri atau menangguhkan perkhidmatan ini sekiranya dianggap wajar dan FWD Takaful
tidak akan dipertanggungjawabkan atau menanggung sebarang kehilangan atau kerosakan yang ditanggung oleh saya/kami akibat
daripada tindakan yang diambil oleh FWD Takaful.
b. To add, delete or amend any of the above terms and conditions from time to time. Such amendments shall become effective on such
date as FWD Takaful may elect to adopt and the continued use of this service by me/us shall constitute my/our acceptance of the said
amendments.
Untuk menambah, mengeluarkan atau meminda mana-mana syarat-syarat dan terma-terma di atas. Pindaan tersebut akan
berkuatkuasa pada tarikh yang ditentukan oleh FWD Takaful dan penerusan penggunaan perkhidmatan ini oleh saya/kami merupakan
penerimaan saya/kami terhadap pindaan tersebut.
c. To hold monies pursuant to the Takaful Certificate related payment due to me in the event the information provided above is
incorrect, incomplete and/or otherwise not possible due to no fault of FWD Takaful to successfully process this request until the new
Direct Credit detail is received from me.
Untuk memegang wang dari bayaran berkenaan Sijil Takaful yang dibayar kepada saya sekiranya maklumat yang diberikan di atas
adalah tidak tepat, tidak lengkap dan/atau sebaliknya adalah mustahil bukan atas sebab kesilapan FWD Takaful untuk memproseskan
permintaan ini dengan berjayanya sehingga butiran Pengkreditan Terus yang baru diterima daripada saya.

Health Information Mr. Faiz Fahmi Bin Ariffin
Maklumat Kesihatan @ Azmi
1. What is your height? 175 cm/5.8 ft.
Apakah ketinggian anda?
2. What is your weight? 75 kg/165 lbs.
Berapakah berat anda?
3. Have you smoked cigarettes (including electronic cigarettes) or tobacco in the past 12 months? Yes
Adakah anda merokok (termasuk rokok elektronik) atau menggunakan tembakau dalam tempoh 12 bulan Ya
lepas?
4. Have any of the person to be covered ever been diagnosed with or had symptoms of any of the
following:
Adakah mana-mana orang yang akan dilindungi pernah didiagnosis sebagai menghidapi atau pernah
menghidapi simptom mana-mana di bawah:
heart attack, coronary artery disease, heart valve disorder or heart murmur. No
serangan jantung, penyakit arteri koronari, gangguan injap jantung atau murmur jantung. Tidak
high blood pressure or raised cholesterol. No
Tekanan darah tinggi atau tahap kolesterol yang tinggi. Tidak
stroke, epilepsy, depression or mental illness. No
strok, sawan, kemurungan atau penyakit mental. Tidak
cancer, abnormal growth or tumor. No
Kanser, ketumbuhan abnormal atau tumor. Tidak
HIV infection or AIDS. No
Jangkitan HIV atau AIDS. Tidak
diabetes or raised blood sugar. No
Diabetes atau tahap gula dalam darah yang tinggi. Tidak
asthma, tuberculosis, pneumonia or chronic obstructive pulmonary disease. No
Asma, batuk kering, radang paru – paru atau penyakit penghalang pulmonari kronik. Tidak
hepatitis B or C, fatty liver, elevated liver enzymes or liver cirrhosis. No
Hepatitis B atau C, hati berlemak, tahap enzim hati yang tinggi atau sirosis hepar. Tidak
kidney failure or abnormal kidney function. No
Kegagalan buah pinggang atau fungsi abnormal buah pinggang. Tidak
deafness or loss of hearing, blindness or loss of vision (excluding prescription lens to correct No
vision). Tidak
pekak atau kehilangan pendengaran, buta atau kehilangan penglihatan (tidak termasuk kanta
preskripsi untuk membetulkan penglihatan).
arthritis, recurrent back pain, injury or disorder of the spine, muscles, tendons, limbs, bones or No
joints or other physical disability. Tidak
Arthritis, sakit belakang yang berulang, kecederaan atau gangguan tulang belakang, otot,
tendon, anggotta badan, tulang atau sendi atau ketidakupayaan fizikal yang lain.
5. Aside from what you have already told us, in the past 5 years, has any of the persons to be covered had No
any other condition which has resulted in ongoing specialist consultation; hospitalisation or continuous Tidak
medical treatment for 14 days or longer?
Selain daripada apa yang anda telah maklumkan kepada kami, dalam tempoh 5 tahun yang lepas,
pernahkah mana-mana orang yang dilindungi menghidapi mana-mana kondisi yang telah
mengakibatkan rundingan berterusan dengan pakar atau perubatan berterusan selama 14 hari atau
lebih?
6. Are any of the person to be covered currently under investigation, awaiting a surgical operation or the No
results of any medical tests; or in the past 3 months experienced any symptoms such as: Tidak
a. Prolonged fatigue for more than 7 days.
b. Unexplained weight loss of more than 5kg.
c. Abnormal lump, growth or swelling.
d. Blood in urine, stools or on coughing.
e. New persistent pain.
Adakah mana-mana orang yang akan dilindungi sedang berada di bawah siasatan, menunggu operasi
pembedahan atau keputusan ujian perubatan; atau dalam tempoh 3 bulan yang lalu mengalami mana-
mana simptom di bawah:
a. Keletihan berpanjangan lebih daripada 7 hari.
b. Kehilangan berat badan lebih daripada 5kg yang tidak dapat dijelaskan.
c. Ketulan, ketumbuhan atau kebengkakkan abnormal.
d. Darah dalam kencing, buangan atau batuk.
e. Kesakitan baru yang berterusan.
7a. Have either of your parents or siblings, before age 60, been diagnosed with any of the following: No
coronary heart disease, cancer of the colon or rectum, diabetes, familial polyposis, polycystic kidney Tidak
disease, multiple sclerosis, Huntington’s disease, Parkinson’s disease or motor neuron disease?
Pernahkah ibu-bapa kandung, atau adik beradik anda sebelum umur 60 tahun, didiagnos menghidapi
yang berikut: penyakit jantung koronari, kanser kolon atau rektum, diabetes, polyposis keluarga,
penyakit polistik buah pinggang, sklerosis berbilang, penyakit Huntington, penyakit Parkinson atau
penyakit neuron motor?
8. Are any of the person to be covered currently under investigation, awaiting a surgical operation or the No
results of any medical tests? Tidak
Adakah mana-mana orang yang akan dilindungi sedang berada di bawah siasatan, menunggu operasi
pembedahan atau keputusan ujian perubatan?

Replacement of Certificate
Penggantian Sijil
It may not be advantageous for you to replace an existing family Takaful Certificate with a new one. By terminating the existing Takaful
Certificate before its maturity date, you may receive an amount less than what you would otherwise have been entitled to. If you intend to do
so, we recommend that you consult your present Takaful Operator before making a final decision.
Ia mungkin tidak bermanfaat untuk anda menggantikan Sijil Takaful keluarga yang sedia ada dengan yang baharu. Dengan menamatkan Sijil
Takaful yang sedia ada sebelum tarikh matang, anda mungkin menerima jumlah yang kurang daripada apa yang anda berhak terima. Jika
anda ingin melakukan sedemikian, kami cadangkan anda berunding dengan Pengendali Takaful anda sebelum membuat keputusan yang
muktamad.
No Declaration for Replacement / Pengakuan Penggantian

Extension of Existing Certificate / Lanjutan Sijil Sedia Ada

1 Do you intend to replace any of your existing family Takaful plans with us or with any other Takaful Operator with the No
proposal of this New Family Takaful Plan? If Yes, please state the replacement reason and provide further information Tidak
on the plan to be replaced. (Takaful Operator, plan name and sum covered)
Adakah anda berhasrat untuk menggantikan mana-mana pelan Takaful keluarga anda yang sedia ada sama ada dengan
kami atau Pengendali Takaful yang lain? Jika ya, sila nyatakan sebab penggantian dan berikan maklumat lanjut
mengenai pelan yang akan digantikan (Pengendali Takaful, nama pelan dan jumlah yang dilindungi).
2a Is there any party that has influenced you to surrender or terminate any of your existing Takaful Certificate? If the No
answer is Yes, please answer Q 2b. Tidak
Adakah terdapat mana-mana pihak yang mempengaruhi anda untuk menyerahkan atau menamatkan Sijil Takaful sedia
ada anda?. Jika jawapan anda adalah Ya, sila jawab soalan 2(b).
3 Is this application an extension to an existing family Takaful product? If Yes, please note that such extension is entirely No
at the discretion of the Certificate Owner. Tidak
Adakah permohonan ini sambungan kepada produk Takaful keluarga yang sedia ada? Jika ya, sila ambil maklum
bahawa penyambungan ini tertakluk sepenuhnya kepada budi bicara Pemilik Sijil.
Nomination
Penamaan
You are advised to nominate a nominee(s) and to inform the nominee(s) of this Family Takaful Plan. Under Section 142 and Schedule 10 to the
IFSA, you may assign the Takaful benefits to the nominee(s) to receive the Takaful benefits, either as an executor, or as a beneficiary under a
conditional hibah by specifying the details under the appropriate section below. From time to time, you are advised to examine if the
nomination created remains relevant to your specific situation and amend, terminate or revoke it if it is not, without the consent of the
nominee(s).
Anda dinasihatkan untuk menamakan penama dan memaklumkan kepada penama tersebut berkenaan kewujudan Pelan Takaful Keluarga ini.
Di bawah Seksyen 142 dan Jadual 10 IFSA, anda boleh memberikan manfaat Takaful kepada penama untuk menerima manfaat Takaful tersebut,
sama ada sebagai wasi atau benefisiari di bawah hibah bersyarat dengan memberikan butiran-butiran di bahagian di bawah. Dari semasa ke
semasa, anda dinasihati untuk memeriksa jika penamaan yang dibuat adalah relevan bagi situasi spesifik anda dan mengubah, menamatkan
atau menarik balik jika ianya tidak, tanpa persetujuan penama.
If you are not the person covered, the person covered has to consent to the nomination. By nominating the nominee(s), you confirm that you
have obtained the necessary consent from the person covered to make the nomination.
Sekiranya anda bukan orang yang dilindungi, orang yang dilindungi hendaklah memberi persetujuan untuk penamaan. Dengan menamakan
penama, anda mengesahkan bahawa anda telah memperolehi persetujuan dari orang yang dilindungi untuk membuat penamaan tersebut.
If a nominee dies after you but before the Takaful benefits have been paid, FWD Takaful is to pay the Takaful benefits to:
Jika penama meninggal dunia selepas anda tetapi sebelum manfaat Takaful dibayar, FWD Takaful akan membayar manfaat Takaful tersebut
kepada :
a. your estate if the nominee is an executor. If you nominate both a primary and alternate executor, the alternate executor will receive the
Takaful benefits under the Takaful Certificate as an executor if the primary executor is not available to act as an executor ; or
estet anda jika penama adalah wasi, jika anda menamakan kedua-dua wasi utama dan kedua, wasi kedua akan menerima manfaat Takaful
di bawah Sijil Takaful sebagai wasi (pelaksana) jika wasi utama tiada untuk bertindak sebagai wasi (pelaksana); atau
b. the nominee’s estate if the nominee is a beneficiary under a conditional hibah.
estet penama jika penama adalah penerima manfaat di bawah hibah bersyarat.
FWD Takaful is duly discharged from all liabilities under the Takaful Certificate once the Takaful benefits are paid to the nominee(s).
FWD Takaful terlepas daripada sebarang tanggungjawab terhadap Sijil Takaful ini setelah manfaat Takaful dibayar kepada penama.
You may select either one or both of the Nomination Types below:
Anda boleh pilih salah satu atau kedua-dua jenis penamaan di bawah:
1. Beneficiary (Conditional Hibah)
Benefisiari (Hibah Bersyarat)
2. Executor
Wasi (Pelaksana)
* Total percentage share must be equal to 100%.

* Jumlah pembahagian mestilah bersamaan dengan 100%.

Beneficiary
Benefisiari (Hibah Bersyarat)
The nominee shall receive the takaful benefits as a beneficiary and shall be entitled to the takaful benefits in accordance with the
percentages stated in the table below (if any).
Penama akan menerima manfaat takaful sebagai benifisiari dan akan menerima manfaat takaful mengikut peratusan yang tertera di jadual di
bawah (jika ada).
Percentage
NRIC/ Date of Relationship with the Owner
Payable
Full name Identification No. Birth Address Certificate
Peratus
Nama Penuh KP / No Tarikh Alamat Hubungan dengan Pemilik
yang akan
Pengenalan Lahir Sijil
dibayar
78, Seberang Jerteh , 22000
Ariffin @ Azmi 620709035401 09/07/1962 Parent 50.0
Jerteh,Terengganu , Malaysia.
78, Seberang Jerteh , 22000
Zaini Binti Ibrahim 620204115158 04/02/1962 Parent 50.0
Jerteh,Terengganu , Malaysia.

Declaration Made by Certificate Owner and Person to be Covered
Pengakuan Oleh Pemilik Sijil dan Orang Yang Akan Dilindungi

I/We declare and agree on behalf of myself/our self and any person or persons, firm or corporation, who may have or claim any interest in this
application form, that:
Saya/Kami mengaku dan bersetuju bagi pihak saya/kami dan mana-mana individu atau individu-individu, firma atau korporat, yang mungkin
mempunyai atau menuntut kepentingan terhadap borang permohonan ini, bahawa:
1. I/We have been provided with the Product Disclosure Sheet and Benefit Illustration by FWD Takaful’s authorised representative, and
I/we fully understood the contents of the Product Disclosure Sheet and Benefit Illustration as explained to me/us by FWD Takaful’s
authorised representative; and my/our particular attention has been drawn to the essential information of the major features and
limitations of which has been satisfactorily explained to me/us.
Saya/Kami telah diberikan Lampiran Penerangan Produk dan Ilustrasi Manfaat oleh wakil FWD Takaful yang dibenarkan, dan saya/kami
memahami dengan penuh isi kandungan Lampiran Penerangan Produk dan Ilustrasi Manfaat seperti yang dijelaskan kepada saya/kami
oleh wakil FWD Takaful yang dibenarkan dan perhatian yang teliti saya/kami telah diberikan kepada maklumat penting mengenai ciri-ciri
utama produk dan pembatasannya yang telah diterangkan kepada saya/kami dengan memuaskan.
2. I/We declare that:
Saya/Kami mengakui bahawa:
a. I am/We are aware that it is my/our pre-contractual duty of disclosure that I/we must exercise reasonable care not to misrepresent
i.e. to give false answers and/or information when answering any questions asked by FWD Takaful and that I am/we are to answer
the questions fully and accurately and/or correctly;
Saya/Kami memahami bahawa ia adalah tanggungjawab pendedahan pra-kontrak saya/kami bahawa saya/kami perlu mengambil
langkah-langkah yang munasabah untuk tidak memberikan kesalahnyataan iaitu, memberikan jawapan dan/atau maklumat yang
salah ketika menjawab soalan yang diajukan oleh FWD Takaful dan bahawa saya/kami bertanggungjawab untuk menjawab soalan
itu dengan penuh dan tepat dan/atau dengan betul;
b. I/We have fully and accurately answered all the questions in this application form and the other questions asked by FWD Takaful, if
any, after having fully read and understood the questions;
Saya/Kami telah menjawab dengan penuh dan tepat semua soalan di dalam borang permohonan ini dan soalan lain yang ditanya
oleh FWD Takaful, sekiranya ada, setelah membaca dan memahami soalan tersebut dengan penuh;
c. I am/We are aware that I/we must inform FWD Takaful of any change to the answers given in this application form if the change
occurred after I/we have submitted this application form but before the Takaful contract is entered into;
Saya/Kami memahami bahawa saya/kami perlu memaklumkan kepada FWD Takaful mengenai sebarang perubahan terhadap
jawapan yang diberikan dalam borang permohonan ini jika perubahan tersebut berlaku selepas saya/kami menyerahkan borang
permohonan ini tetapi sebelum kontrak Takaful dimulakan;
d. I/We fully understand that my/our answers and/or statements given in respect of the questions asked by FWD Takaful, and any
other relevant documents completed by me/us in connection with this application form and in any medical report or amendments
are relevant to FWD Takaful in deciding whether to accept my application form or not and the rates and terms to be applied; and
Saya/Kami memahami dengan penuh bahawa jawapan dan/atau pernyataan saya/kami yang diberikan berkaitan dengan soalan
yang ditanya oleh FWD Takaful dan mana-mana dokumen yang relevan yang dilengkapkan oleh saya/kami berhubung dengan
borang permohonan ini dan sebarang laporan perubatan atau pindaan adalah relevan kepada FWD Takaful dalam membuat
keputusan sama ada untuk menerima borang permohonan saya atau tidak, serta kadar dan terma yang dikenakan; dan
e. I am/We are aware that if the information given by me/us is not accurate or correct, the Takaful Certificate may be voided or
terminated, my claim denied or reduced, or the terms of the Takaful Certificate changed or varied.
Saya/Kami memahami sekiranya maklumat yang diberikan oleh saya/kami tidak tepat atau salah, Sijil Takaful ini boleh dibatalkan
atau ditamatkan, tuntutan saya ditolak atau dikurangkan, atau terma-terma Sijil Takaful diubah atau ditukar.
3. I/We will keep FWD Takaful updated of any change to my/our personal information as soon as practicable.
Saya/Kami akan memaklumkan kepada FWD Takaful sebarang perubahan mengenai maklumat peribadi saya/kami secepat mungkin.
4. I/We agree that neither FWD Takaful nor its employees shall be liable for any direct or indirect loss or damage due to my/our inaccuracy
or incompleteness in the personal information provided to FWD Takaful and shall include but shall not be limited to personal details of
transactions with or through FWD Takaful whether within or outside Malaysia involving any party.
Saya/Kami bersetuju bahawa FWD Takaful termasuk pekerjanya tidak akan bertanggungjawab terhadap apa-apa kehilangan atau
kerosakan, sama ada secara langsung atau tidak langsung, akibat daripada ketidaktepatan dan ketidaklengkapan maklumat peribadi
yang diberikan oleh saya/kami kepada FWD Takaful, termasuk dan tidak terhad kepada butiran peribadi transaksi dengan atau melalui
FWD Takaful sama ada di dalam atau di luar Malaysia melibatkan mana-mana pihak.
5. I/We hereby agree that my/our Takaful Contribution(s), as billed by FWD Takaful, is to be debited from my credit/debit card or my bank
account (where applicable) as stated in this application form.
Saya/Kami bersetuju bahawa Sumbangan Takaful saya/kami, seperti yang dibilkan oleh FWD Takaful,akan didebitkan daripada kad
kredit/debit atau akaun bank (yang mana terpakai) seperti yang tertera di dalam borang permohonan ini.
6. I/We confirm that this application form is independent of any statement made by your agent named below to whom I/we have given no
other information, except those stated in this application form, and that to the best of my/our knowledge and belief, your said agent has
given no other information, relating to any circumstances relevant to the acceptance of the risk. I/We further acknowledge that all the
terms and conditions have been fully explained to me/us and the answers provided are the actual information disclosed by me/us.
Saya/Kami mengesahkan bahawa borang permohonan ini bebas daripada mana-mana penyataan yang dibuat oleh wakil anda yang
dinamakan di bawah di mana, saya/kami tidak memberikan maklumat selain daripada yang dinyatakan di dalam borang permohonan ini
dan sebaik pengetahuan dan kepercayaan saya/kami, wakil anda tidak memberi maklumat lain, berhubung dengan keadaan yang relevan
terhadap penerimaan risiko. Saya/Kami turut memperakui bahawa semua syarat dan terma telah dijelaskan dengan penuh kepada
saya/kami dan jawapan yang diberikan adalah maklumat sebenar yang didedahkan oleh saya/kami.
7. I/We understand that upon receipt of the Takaful Certificate from FWD Takaful, I/we will have a 15-day free look period to evaluate the
suitability of the plan participated in. In the event that I/we wish to cancel the Takaful Certificate during this period, I/we may do so by
giving FWD Takaful written notice of my/our intention for cancellation.
Saya/Kami memahami bahawa setelah menerima Sijil Takaful daripada FWD Takaful, saya/kami mempunyai 15 hari tempoh rujukan
percuma untuk memeriksa kesesuaian pelan yang disertai. Sekiranya saya/kami ingin membatalkan Sijil Takaful ini dalam tempoh
tersebut, saya/kami boleh melakukannya dengan memberi FWD Takaful notis bertulis mengenai hasrat saya/kami untuk pembatalan.

8. I/We understand that the coverage will only be effective upon receipt of the appropriate Takaful Contribution payment and approval by
FWD Takaful of this application and the relevant Takaful Certificate is issued and delivered to me/us pursuant to this application during
my/our lifetime and in good health. (Please ensure that you will receive and will be keeping the receipt of payment from FWD Takaful or
your Family Takaful Certificate (as the case may be) as proof of Takaful Contribution(s) payment).
Saya/Kami memahami bahawa perlindungan hanya akan berkuatkuasa setelah penerimaan pembayaran Sumbangan Takaful yang
berkenaan diterima dan kelulusan oleh FWD Takaful terhadap permohonan ini dan Sijil Takaful yang berkenaan dikeluarkan dan
dihantarkan kepada saya/kami menurut permohonan ini ketika saya/kami hidup dan dalam keadaan sihat. (Sila pastikan bahawa anda
akan menerima dan akan menyimpan resit pembayaran daripada FWD Takaful atau Sijil Takaful Keluarga (sekiranya terpakai) sebagai
bukti pembayaran Sumbangan Takaful).
9. I/We agree that interim accidental death benefit will be provided to all eligible participants in the event of the contribution has been paid
in full, but the certificate has yet to be inforced. I understand that the Interim accidental death benefit is based on the sum covered
chosen and subject to the maximum amount set for this benefit.
Saya/Kami bersetuju bahawa manfaat interim bagi kematian akibat kemalangan akan diberikan kepada peserta-peserta yang layak jika
sumbangan telah dibayar sepenuhnya namun sijil masih belum berkuatkuasa. Saya memahami bahawa manfaat interim bagi kematian
akibat kemalangan adalah berdasarkan jumlah dilindungi yang dipilih dan tertakluk kepada jumlah maksimum yang telah ditetapkan untuk
manfaat ini.
10. I/We confirm that I/we have been informed of the consequences of failure to pay the Takaful Contribution(s) within the grace period and
provisions of reinstatement.
Saya/Kami mengesahkan bahawa saya/kami telah dimaklumkan mengenai akibat kegagalan membayar Sumbangan Takaful dalam
tempoh penangguhan dan peruntukan penguatkuasaan.
11. I/We confirm my/our understanding on the provisions for nomination, including the importance of making a nomination and its
implications. I/We have also been advised to nominate a nominee(s) and ensure that the nominee(s) is aware of the Family Takaful
Certificate that I/we have participated in.
Saya/Kami mengesahkan pemahaman saya/kami mengenai peruntukan penamaan, termasuk kepentingan membuat penamaan dan
implikasinya. Saya/Kami juga telah dinasihatkan untuk membuat penamaan dan memastikan bahawa penama menyedari kewujudan Sijil
Takaful Keluarga yang saya/kami sertai.
12. I/We agree to participate in the Takaful plan pursuant to this application form based on the principle of Takaful and pay the required
Takaful Contribution(s) which will be credited in the Participants’ Saving Account (PSA) / Participant’s Risk Fund (PRF) whichever is
applicable.Saya/Kami bersetuju untuk mengambil bahagian dalam pelan Takaful menurut borang permohonan ini berdasarkan prinsip
Takaful dan membayar Sumbangan Takaful yang diperlukan yang akan dikreditkan ke dalam Akaun Simpanan Peserta (ASP) / Dana
Risiko Peserta (DRP), yang mana berkenaan.
13. For Investment-Linked Takaful Plan / Untuk Pelan Takaful Berkaitan Pelaburan. To allocate a portion of my / our Takaful Contribution on
a monthly basis as Tabarru’ (donation) into the PRF to be used for the Takaful coverage and for mutual financial aid and assistance to
other participants in time of misfortunes. I/We understand that I am/we are also entitled to the Takaful coverage as prescribed in the
Takaful Certificate.
Memperuntukkan sebahagian daripada Sumbangan Takaful saya / kami secara bulanan sebagai Tabarru’ (derma) ke dalam DRP untuk
digunakan bagi perlindungan Takaful dan sebagai bantuan kewangan bersama dan bantuan kepada peserta lain ketika ditimpa
kesukaran. Saya / Kami faham bahawa saya / kami juga berhak ke atas perlindungan Takaful seperti yang dijelaskan di dalam Sijil
Takaful.
14. In the event of surrender:
i. I/We understand that I am/ we are also entitled to receive the Surrender Value from the Participants’ Savings Account (PSA), if
any.
ii. I/We understand that I am/we are also entitled to receive the unutilized portion of the contribution allocated in the PRF, if
applicable.
Sekiranya serahan:
i. Saya/Kami faham bahawa saya/kami juga berhak untuk menerima Nilai Serahan dari Akaun Simpanan Peserta (ASP), jika ada.
ii. Saya/Kami faham bahawa saya/kami juga berhak menerima sumbangan tidak terpakai yang diperuntukkan dalam DRP, jika
berkenaan.
15. I/We agree that in the event of surrender, if FWD Takaful does not have my bank account details, and if the amount payable is more than
RM10, FWD Takaful will transfer it to Registrar of Unclaimed Moneys. However, if the amount is less than or equal to RM 10 and FWD
Takaful do not have my bank account details, it will be donated to any registered charity.
Saya/Kami bersetuju bagi penamatan sijil, jika FWD Takaful tidak mempunyai maklumat akaun bank saya, dan jika amaun yang akan
dibayar melebihi RM10, FWD Takaful akan memindahkannya kepada Pendaftar Wang Tak Dituntut. Bagaimanapun, jika amaun tersebut
kurang atau bersamaan RM10, ia akan didermakan kepada badan kebajikan yang berdaftar.
16. I/We agree to appoint FWD Takaful based on the Wakalah (agency) principle to manage my/our Takaful Contribution(s) in the PRF in
accordance with Shariah principles.
Saya/Kami bersetuju melantik FWD Takaful berdasarkan prinsip Wakalah (wakil) untuk menguruskan Sumbangan Takaful saya/kami di
dalam DRP mengikut prinsip-prinsip Shariah.
17. I/We allow FWD Takaful to deduct a certain percentage (%) of the Takaful Contribution(s) as a Wakalah (agency) fee to FWD Takaful for
the services rendered and any other charges as stipulated in the Family Takaful Illustration System.
Saya/Kami membenarkan FWD Takaful membuat pemotongan mengikut peratusan (%) tertentu kepada Sumbangan Takaful saya sebagai
fi Wakalah (wakil) kepada FWD Takaful untuk perkhidmatan yang diberikan dan apa-apa caj yang tertera di dalam Sistem Ilustrasi
Takaful Keluarga.
18. I/We agree that any distributable Surplus will be shared between eligible participants and FWD Takaful in the ratio of 50:50. FWD
Takaful will allocate my entitlement of participant‘s distributable surplus to my participant savings account.
Saya/Kami bersetuju bahawa sebarang Lebihan boleh agih akan dikongsi diantara pemilik sijil dan FWD Takaful dalam nisbah 50:50.
FWD Takaful akan memperuntukkan lebihan boleh agih untuk saya ke dalam akaun simpanan peserta saya.
19. If the PRF is in a deficit, FWD Takaful will overcome the deficit in the form of a Qard or an interest-free loan. The payment of Qard will be
from the shareholder’s fund.
Sekiranya DRP di dalam keadaan defisit, FWD Takaful akan menangani defisit ini melalui Qard atau pinjaman tanpa faedah.Pembayaran
Qard akan dibuat daripada dana pemegang saham.
20. At the end of each financial year, FWD Takaful will calculate whether there is any surplus remaining in the Participants’ Risk Fund (PRF)
after paying any Qard. FWD Takaful may decide to retain some of that surplus in the PRF in case future claims paid are higher than
expected.
Pada setiap pengakhiran tahun kewangan, FWD Takaful akan mengira samada terdapat sebarang lebihan Dana Risiko Peserta (DRP)
selepas membayar sebarang Qard. FWD Takaful akan memutuskan untuk mengekalkan sebahagian daripada lebihan tersebut di dalam
DRP sekiranya tuntutan pada masa hadapan dibayar lebih tinggi dari yang dijangkakan.

21. I/We agree in the event of the charitable organizations selected are not available, or identified as illegal, or under sanction byauthority or
no longer in accordance to Shariah principle at the point of the benefit payment, the amount will be donated to other registered charity
organization as approved by FWD Takaful Shariah Committee.
Saya / Kami bersetuju sekiranya badan kebajikan yang dipilih tidak lagi wujud, atau dikenal pasti sebagai tidah sah, atau di bawah
sekatan oleh pihak berkuasa atau tidak lagi mengikut prinsip Syariah pada masa pembayaran manfaat, jumlah dilindungi akan
didermakan kepada badan kebajikan lain seperti yang diluluskan oleh Penasihat Syariah FWD Takaful Berhad.
22. For the purposes of the contribution holiday charge, I/we hereby irrevocably authorise FWD Takaful to deduct the following amounts
from the Participants Saving Account (PSA):
Untuk tujuan caj cuti sumbangan, saya/kami dengan ini memberi kuasa kepada FWD Takaful untuk menolak jumlah berikut daripada
Akaun Simpanan Peserta (ASP):
i) contribution holiday charge (if the Takaful Certificate is less than 3 years old); and
caj cuti sumbangan (jika Sijil Takaful kurang dari 3 tahun); dan
ii) Tabarru’ (donation) for any riders that I/we may add to the Takaful Certificate.
Tabarru’ (derma) bagi mana-mana rider yang saya/kami tambah ke dalam Sijil Takaful.
Personal Data Protection

Perlindungan Maklumat Peribadi
1. I/We understand and agree that any personal information collected or held by FWD Takaful (whether contained in this application form or
otherwise obtained) may be used, processed, disclosed and shared by FWD Takaful to individuals/organisations related to and associated
with FWD Takaful or any selected third party (within or outside of Malaysia, including retakaful and claims investigation companies and
industry associations/federations) for the purpose of processing this application form and providing subsequent services for this and other
financial products and services and to communicate with me/us for such purposes.
Saya/Kami memahami dan bersetuju bahawa mana-mana maklumat peribadi yang dikumpulkan atau disimpan oleh FWD Takaful (samada
terkandung dalam borang permohonan ini atau diperolehi dengan cara lain) boleh digunakan, diproses, didedahkan dan dikongsi oleh FWD
Takaful kepada individu/organisasi berhubung atau berkaitan dengan FWD Takaful atau mana-mana pihak ketiga yang terpilih (di dalam
atau di luar Malaysia, termasuk retakaful dan syarikat penyiasatan tuntutan dan persatuan industri/persekutuan) bagi tujuan pemprosesan
borang permohonan ini dan pemberian perkhidmatan susulan untuk produk ini dan produk dan perkhidmatan lain dan untuk berhubung
dengan saya/kami bagi tujuan tersebut.
2. I/We understand that I/we have a right to request access to my personal information held by FWD Takaful and to request correction of any
personal information which is incorrect or to limit the processing of my personal information. I/We consent and hereby authorise FWD
Takaful to charge a fee for processing and complying with such data access request or correction requests.
Saya/kami memahami bahawa saya/kami mempunyai hak untuk mendapatkan akses kepada maklumat peribadi yang disimpan oleh FWD
Takaful dan memohon pembetulan mana-mana maklumat peribadi yang salah atau untuk menghadkan pemprosesan maklumat peribadi
saya/kami. Saya/Kami mengizinkan dan dengan ini memberi kebenaran kepada FWD Takaful untuk mengenakan fi untuk memproseskan
dan mematuhi permintaan akses data atau permintaan pembetulan.
3. I/We further agree that a photocopy of this authorisation will be as effective and valid as the original.
Saya/Kami, selanjutnya bersetuju bahawa salinan kebenaran ini akan berkuatkuasa dan sah seperti kebenaran yang asal.
If you would like to receive information regarding any exclusive promotions and offers of FWD Takaful or third parties, please provide your
consent by ticking the box below:
Jika anda ingin menerima maklumat mengenai mana-mana promosi ekslusif atau tawaran oleh FWD Takaful atau, pihak ketiga sila berikan
kebenaran anda dengan menandakan kotak di bawah:
I/We agree that any personal information collected or held by FWD Takaful (whether contained in this application form or otherwise
obtained) may be used by FWD Takaful or disclosed by FWD Takaful to third parties for the purposes of direct marketing and to
communicate with me/us for such purposes.
Saya/Kami bersetuju bahawa sebarang maklumat peribadi yang dikumpul atau dipegang oleh FWD Takaful (samada yang terkandung
di dalam permohonan ini atau diperolehi dengan cara lain) boleh digunakan atau didedahkan oleh FWD Takaful kepada pihak ketiga
bagi tujuan pemasaran terus dan untuk berhubung dengan saya/kami bagi tujuan berkenaan.
4. By submitting this application, I/we confirm that I/we have read and agree to the Personal Data Protection Act 2010 Notice set out in the
hyperlink: PDPA Notice.
Dengan menyerahkan permohonan ini, saya/kami mengesahkan bahawa saya/kami sudah membaca dan bersetuju dengan Notis
Perlindungan Maklumat Peribadi Akta 2010 seperti yang tertera di pautan: PDPA Notis.

Statement Related to FATCA/Common Reporting Standard Self -Certification
Kenyataan Berkaitan FATCA/Perakuan Diri Standard Pelaporan Bersama

In relation to Foreign Account Tax Compliance Act (FATCA) and/or Common Reporting Standard (CRS)’s requirement, FWD Takaful require you
to answer questions as follow:
Berkaitan dengan peruntukan Akta Pematuhan Akaun Cukai Asing Amerika Syarikat (FATCA) dan/atau Common Reporting Standard (CRS),
FWDTakaful memerlukan anda untuk menjawab soalan berikut:
a. Do you have and / or act for yourself and/or others who have tax residency from other countries outside Malaysia?
Adakah anda mempunyai dan / atau bertindak untuk diri sendiri dan / atau orang lain yang mempunyai residensi cukai dari negara lain di luar
Malaysia?
b. Are you a United States citizen / United States resident for US federal tax purposes / United States Green Card holder.
Adakah anda rakyat Amerika Syarikat / penduduk Amerika Syarikat untuk tujuan cukai persekutuan AS / Pemegang Kad Hijau Amerika
Syarikat.
NO for both questions above
TIDAK atas kedua pertanyaan di atas

FATCA and CRS Declarations:

Pengakuan FATCA/CRS:
I as the prospective Takaful Certificate Owner hereby declare:
Saya sebagai calon pemilik Sijil Takaful dengan ini mengaku:
Compliance Statement relates to tax resident outside Malaysia
Kenyataan Pematuhan berkaitan dengan pemastautin cukai di luar Malaysia
a. All information that I give to FWD Takaful as stated in this declaration form are correct and complete. I shall be fully responsible for
all the consequences that may occur if there is any wrong information. I agree to disclose, inform or provide FWD Takaful with my
personal information or data within 30 calendar days since proposal / changes that relate to change of my personal information and
status, or I am being tax mandatory to more than one countries in certain time as disclosure to any authorities. The data update will
be my responsibility and it will not be FWD Takaful’s responsibility.
Semua maklumat yang saya berikan kepada FWD Takaful seperti yang dinyatakan dalam borang pengakuan ini adalah betul dan
lengkap. Saya akan bertanggungjawab sepenuhnya terhadap semua natijah yang mungkin berlaku sekiranya terdapat sebarang
maklumat yang salah. Saya bersetuju untuk mendedahkan, memaklumkan atau memberikan FWD Takaful dengan maklumat atau
data peribadi saya dalam tempoh 30 hari kalendar sejak cadangan / perubahan yang berkaitan dengan perubahan maklumat dan
status peribadi saya, atau saya dicukaikan secara wajib dalam lebih daripada satu negara dalam masa tertentu sebagai pendedahan
kepada mana-mana pihak berkuasa. Mengemaskini data akan menjadi tanggungjawab saya dan ia tidak akan menjadi
tanggungjawab FWD Takaful.
b. I understand that it is mandatory for FWD Takaful and / or affiliation to comply with any regulation, guideline, instruction and
requirement that have been stipulated in the local regulations applicable in Malaysia or foreign law including the Foreign Account
Tax Compliance Act of the United States of America (FATCA), or any public agreement, judicative, taxation, government and/or
other authority such as the Inland Revenue Board Of Malaysia and Internal Revenue Service (IRS) that are pertinent in several
jurisdictions including Malaysia that have been announced together with changes from time to time (Law Obligation).
Saya faham bahawa adalah wajib bagi FWD Takaful dan / atau gabungan untuk mematuhi apa-apa peraturan, garis panduan,
arahan dan keperluan yang telah ditetapkan dalam peraturan tempatan yang terpakai di Malaysia atau undang-undang asing
termasuk Akta Pematuhan Cukai Akaun Asing Amerika Syarikat (FATCA), atau apa-apa persetujuan awam, penghakiman, cukai,
kerajaan dan / atau pihak berkuasa lain seperti Lembaga Hasil Dalam Negeri Malaysia dan Perkhidmatan Hasil Dalam Negeri (IRS)
yang berkaitan dengan beberapa bidang kuasa termasuk Malaysia yang telah diumumkan bersama-sama dengan perubahan dari
semasa ke semasa (Kewajipan Undang-Undang).
c. I agree to provide necessary assistance to FWD Takaful to comply with all regulations as stipulated in the mandated law on my
Takaful Certificates. If the provision of data is more than 30 days since transaction, I shall bear all the risks including financial loss
that is incurred due to transaction rejection and /or freezing of transaction.
Saya bersetuju untuk memberi bantuan yang diperlukan kepada FWD Takaful untuk mematuhi semua peraturan yang ditetapkan
dalam undang-undang yang diwajibkan mengenai sijil-sijil Takaful saya. Sekiranya penyediaan data adalah melebihi 30 hari dari
tarikh urusniaga, saya akan menanggung semua risiko termasuk kerugian kewangan yang terjadi akibat penolakan transaksi dan /
atau pembekuan transaksi.
d. I shall give authority to FWD Takaful to report tax information and / or data that I own to related authorities.
Saya akan memberi kuasa kepada FWD Takaful untuk melaporkan maklumat dan / atau data cukai yang saya miliki kepada pihak
berkuasa yang berkaitan.

Declaration of Agent
Pengakuan oleh Ejen
I hereby declare and confirm that:
Saya dengan ini mengaku dan mengesahkan bahawa:
a. All the information contained in this application form is the only information given to me by the applicant and/or person to be covered
and I have not withheld any other information which might influence the acceptance of this application by FWD Takaful;
Semua maklumat yang terkandung dalam borang permohonan ini adalah hanya maklumat yang diberikan kepada saya oleh pemohon
dan/atau orang yang akan dilindungi dan saya tidak merahsiakan apa-apa maklumat yang mungkin mempengaruhi penerimaan
permohonan ini oleh FWD Takaful;
b. I have not made any statement, representation or promise to the applicant and/or person to be covered which is contrary to and/or
misrepresents the terms of the Takaful Certificate, and/or to any relevant and applicable laws and standards that govern Takaful
intermediaries activity. I have not acted or conducted myself in such a way that amounts to misrepresenting the terms of the Takaful
Certificate;
Saya tidak membuat sebarang penyataan, kesalahnyataan atau perjanjian kepada pemohon dan/atau orang yang akan dilindungi yang
bercanggah dengan dan/atau memberi penyataan yang salah terhadap terma Sijil Takaful ini, dan/atau terhadap mana-mana undang-
undang dan peraturan yang relevan dan terpakai yang mentadbir aktiviti pengantaraan Takaful. Saya tidak bertindak atau berkelakuan
dengan cara yang membawa kepada penyataan yang salah terhadap terma Sijil Takaful;
c. I have disclosed the essential information in connection with the Takaful plan as required under Malaysian laws and regulations, to the
satisfaction of the applicant; and
Saya telah mendedahkan maklumat penting mengenai pelan Takaful termasuk apa yang diwajibkan di bawah undang-undang dan
peraturan Malaysia, yang telah memuaskan pemohon; dan
d. Pursuant to the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, I confirm that where the
person is an individual, I have sighted the original NRIC/valid passport, verified and satisfied with the identity of proposed person
covered/applicant/payor; or if other than an individual person, I have sighted the original constituent and identification documents; and
have verified the beneficial owners and details of the proposed person covered/applicant.
Menurut Akta Pencegahan Pengubahan Wang Haram, Pencegahan Pembiayaan Keganasan dan Hasil daripada Aktiviti Haram 2001, saya
mengesahkan di mana orang tersebut adalah seorang individu, saya telah melihat KP yang asal/pasport yang sah, mensahihkan dan
berpuas hati dengan identiti orang yang dilindungi yang dicadangkan/pemohon/pembayar; atau selain daripada seorang individu, saya
telah melihat dokumen perlembagaan dan pengenalan yang asal; dan mensahihkan pemilik benefisial dan butiran orang yang dilindungi
yang dicadangkan/pemohon.
Certificate Owner’s Signature: Date: Place of Signature:

Tandatangan Pemilik Sijil: Tarikh: Tempat Tandatangan Diturunkan:
2021-11-30 00:00:00.0 Tamarind square, Cyberjaya
Intermediary’s Signature: Date: Place of Signature:

Tandatangan Pengantara: Tarikh: Tempat Tandatangan Diturunkan:
2021-11-30 00:00:00.0 Tamarind square, Cyberjaya
Agent’s Manager Signature (if

applicable): Date: Place of Signature:
Tandatangan Pengurus Ejen (jika Tarikh: Tempat Tandatangan Diturunkan:
terpakai):
MOHD HAMZAVI BIN MD

ZAIN 2021-11-30 00:00:00.0
30/11/2021 10:20:05 PM

Notice to Customers Relating to the Personal Data Protection Act 2010
Notis kepada Pelanggan Berkenaan Akta Perlindungan Data Peribadi 2010

FWD Takaful Berhad ("the Company") is committed to the implementation and compliance with the provisions of the Personal Data
Protection Act 2010 of Malaysia ("the Act"). This Notice is issued pursuant to the requirements of the Act. In this context, the Personal Data
Protection Officer is responsible for coordinating and overseeing compliance with the Act and the upholding of the Personal Data Protection
Principles set out in the Act.
FWD Takaful Berhad (“Syarikat”) komited terhadap pelaksanaan dan pematuhan dengan peruntukan Akta Perlindungan Data Peribadi 2010
Malaysia (“Akta”). Notis ini dikeluarkan selaras dengan keperluan-keperluan Akta. Dalam konteks ini, Pegawai Perlindungan Data Peribadi
bertanggungjawab untuk menyelaras dan menyelia pematuhan dengan Akta dan penegasan Prinsip Perlindungan Data Peribadi yang
dinyatakan di dalam Akta.
This Notice applies to all products and services provided by the Company and sets out how the Company may collect, use, process, and
disclose your personal information.
Notis ini terpakai kepada semua produk dan perkhidmatan yang disediakan oleh Syarikat dan menetapkan bagaimana Syarikat boleh
mengumpul, menggunakan, memproses dan mendedahkan maklumat peribadi anda.

1. From time to time, it is necessary for you to supply the Company, its affiliates, agents and representatives acting on its behalf, or any
selected third party (within or outside of Malaysia, including reTakaful and claims investigation companies and industry associations
and federations), with personal information and particulars in connection with its services and products as well as for compliance with
any laws, guidelines or requests issued by regulators or any other governmental authority. Apart from data provided by you, the
Company may obtain and/or verify your data with any third party, including but not limited to, risk surveyors, medical practitioners,
hospitals or medical institutions that have attended to you. Failure to supply such personal data or to agree to the Company’s collection
of such personal data may result in the Company being unable to provide or continue to provide these services and products to you,
including the termination of your Takaful Certificate, in order to comply with any laws or guidelines issued by regulators or any other
governmental authorities.
Dari semasa ke semasa, menjadi keperluan bagi anda untuk membekalkan kepada Syarikat, sekutunya, ejen dan wakil yang bertindak
bagi pihaknya, atau mana-mana pihak ketiga terpilih (di dalam atau di luar Malaysia termasuk re Takaful dari syarikat-syarikat
penyiasatan tuntutan serta persatuan industri dan persekutuan), dengan maklumat peribadi dan butir-butir berkaitan dengan
perkhidmatan dan produk serta untuk pematuhan terhadap mana-mana undang-undang, garis panduan atau permintaan yang
dikeluarkan oleh pengawal selia atau mana-mana pihak berkuasa kerajaan yang lain. Selain data yang disediakan oleh anda, Syarikat
boleh mendapatkan dan / atau mengesahkan data anda dengan mana-mana pihak ketiga, termasuk tetapi tidak terhad kepada, juru
ukur risiko, pengamal perubatan, hospital atau institusi perubatan yang telah menghadiri anda. Kegagalan untuk membekalkan data
peribadi sedemikian atau untuk bersetuju dengan pengumpulan data peribadi oleh Syarikat boleh mengakibatkan Syarikat tidak dapat
menyediakan atau terus menyediakan perkhidmatan dan produk-produk ini kepada anda, termasuk penamatan Sijil Takaful anda, untuk
mematuhi sebarang undang-undang atau garis panduan yang dikeluarkan oleh pengawal selia atau mana-mana pihak berkuasa
kerajaan yang lain.

2. Personal information and particulars requested may include information concerning your personal details (such as name, age, identity
card number, passport number, gender, date of birth, race, nationality, citizenship and marital status), contact details (such as address,
email and phone numbers), family information (such as marital status, name of your spouse or child or immediate family members),
occupation details (such as your employer’s name, annual income, job title, nature and description of job) and financial details (such as
bank account number and credit card number).
Maklumat peribadi dan butiran yang diminta mungkin termasuk maklumat mengenai butiran peribadi anda (seperti nama, umur, nombor
kad pengenalan, nombor pasport, jantina, tarikh lahir, bangsa, kewarganegaraan, kewarganegaraan dan status perkahwinan), butiran
perhubungan (seperti alamat , e-mel dan nombor telefon), maklumat keluarga (seperti status perkahwinan, nama pasangan atau anak
anda atau ahli keluarga terdekat), maklumat pekerjaan (seperti nama majikan anda, pendapatan tahunan, tajuk pekerjaan, sifat dan
perihalan pekerjaan) butiran (seperti nombor akaun bank dan nombor kad kredit).

3. In addition, the Company may from time to time request for:
Di samping itu, Syarikat boleh dari semasa ke semasa meminta:
i. information relating to your medical records or health condition in general from you or any medical practitioner, hospital,
medical institution or any person (whether incorporated or not) who has ever attended to you or has records regarding your
health or medical condition; and/or
maklumat berkaitan dengan rekod perubatan anda atau keadaan kesihatan secara umum daripada anda atau mana-mana
pengamal perubatan, hospital, institusi perubatan atau mana-mana orang (sama ada diperbadankan atau tidak) yang pernah
menghadiri anda atau mempunyai rekod mengenai kesihatan atau keadaan perubatan anda; dan / atau
ii. such other personal information that may be relevant for the Company to consider your application for Takaful cover or the
continuous provision of the Takaful certificate and/or Takaful services under a Takaful Certificate issued by the Company. This
includes but is not limited to tax information about you, your designated beneficiary(ies) or any person entitled to any
benefits/payment under the Takaful Certificate.
maklumat peribadi lain yang mungkin berkaitan untuk Syarikat mempertimbangkan permohonan anda untuk perlindungan
Takaful atau peruntukan berterusan sijil Takaful dan / atau perkhidmatan Takaful di bawah Sijil Takaful yang dikeluarkan oleh
Syarikat. Ini termasuk tetapi tidak terhad kepada maklumat cukai mengenai anda, benefisiari anda atau mana-mana orang yang
berhak mendapat sebarang faedah / pembayaran di bawah Sijil Takaful.

4. Personal information and data may also be collected from: :
Maklumat peribadi dan data juga boleh dikumpulkan dari:
i. other sources in the ordinary course of the continuation of the Takaful relationship, for example, when you write cheques or
provide your credit card or bank account details to the Company for contribution payment of the Takaful coverage or when you
nominate a nominee to receive Takaful benefits payable under a Takaful certificate; and/or
sumber-sumber lain dalam perjalanan biasa penerusan hubungan Takaful, contohnya, apabila anda menulis cek atau
memberikan maklumat kad kredit atau akaun bank anda kepada Syarikat untuk pembayaran sumbangan perlindungan Takaful
atau apabila anda mencalonkan seorang penama untuk menerima faedah Takaful yang perlu dibayar di bawah sijil Takaful; dan
/ atau
ii. a person acting on behalf of the individual whose personal data is provided (and if you provide personal data on behalf of any
person, you hereby confirm that you are either their parent or guardian or you have obtained that person’s consent to provide
that personal data for use by the Company; and/or
seseorang yang bertindak bagi pihak orang yang data peribadinya diberikan (dan jika anda memberikan data peribadi bagi
pihak mana-mana orang, anda dengan ini mengesahkan bahawa anda adalah sama ada ibu atau bapa atau penjaga mereka
atau anda telah memperoleh persetujuan orang itu untuk memberikan data peribadi untuk kegunaan oleh Syarikat; dan / atau
iii. from other sources (including from publicly available information).
dari sumber lain (termasuk dari maklumat umum).
Data may also be generated, processed or combined with other information available to the Company or any of the Company’s
subsidiaries, holding companies, associated or affiliated companies and companies controlled by or under common control with the
Company (collectively, the “Group”).
Data juga boleh dijana, diproses atau digabungkan dengan maklumat lain yang tersedia kepada Syarikat atau mana-mana syarikat
subsidiari Syarikat, syarikat induk, syarikat bersekutu atau berkaitan dan syarikat yang dikawal oleh atau di bawah kawalan bersama
dengan Syarikat (secara kolektif, "Kumpulan").


5. The purposes for which your personal data may be used and/or processed are as follows:
Tujuan yang membolehkan data peribadi anda digunakan dan / atau diproses adalah seperti berikut:
i. providing our services and products to you, including administering, maintaining, managing and operating such services and
products;
menyediakan perkhidmatan dan produk kami kepada anda, termasuk mentadbir, mengekalkan, mengurus dan mengendalikan
perkhidmatan dan produk tersebut;
ii. processing, assessing and determining any applications or requests made by you in connection with the Company’s services or
products and maintaining your account with the Company;
memproses, menilai dan menentukan apa-apa permohonan atau permintaan yang dibuat oleh anda berkaitan dengan
perkhidmatan atau produk Syarikat dan mengekalkan akaun anda dengan Syarikat;
iii. developing Takaful and financial services and products;
membangunkan perkhidmatan dan produk Takaful dan kewangan;
iv. developing and maintaining credit and risk related models;
membangun dan mengekalkan model kredit dan risiko yang berkaitan;
v. processing payment instructions;
arahan pemprosesan bayaran;
vi. determining any indebtedness owing to or from you, and collecting and recovering any amount owing from you or any person
who has provided any security or other undertakings for your liabilities;
menentukan apa-apa keberhutangan yang terhutang kepada atau daripada anda, dan mengutip dan memulihkan apa-apa
amaun yang terhutang oleh anda atau mana-mana orang yang telah memberikan apa-apa jaminan atau usaha lain untuk liabiliti
anda;
vii. exercising any rights that the Company may have in connection with our services and/or products;
melaksanakan mana-mana hak yang mungkin berkaitan dengan Syarikat dengan perkhidmatan dan / atau produk kami;
viii. carrying out and/or verifying any eligibility, credit, physical, medical, security, underwriting and/or identity checks in
connection with our services and products;
menjalankan dan / atau mengesahkan apa-apa kelayakan, kredit, fizikal, perubatan, keselamatan, pengunderaitan dan / atau
pemeriksaan identiti berkaitan dengan perkhidmatan dan produk kami;
ix. any purposes in connection with any claims made by or against or otherwise involving you in respect of any of our services or
products, including, making, defending, analysing, investigating, processing, assessing, determining, responding to, resolving
or settling such claims;
sebarang tujuan berkaitan dengan sebarang tuntutan yang dibuat oleh atau terhadap atau selainnya melibatkan anda
berkenaan dengan mana-mana perkhidmatan atau produk kami, termasuk, membuat, mempertahankan, menganalisis,
menyiasat, memproses, menilai, menentukan, menanggapi, menyelesaikan atau menyelesaikan dakwaan sedemikian;
x. performing policy reviews and needs analysis (whether or not on a regular basis);
melakukan kajian dasar dan analisis keperluan (sama ada atau tidak secara tetap);
xi. meeting disclosure obligations and other requirements imposed by or for the purposes of any laws, rules, regulations, codes of
practice or guidelines (whether applicable in or outside Malaysia) binding on the Company or any other member of the Group,
including making disclosure to any legal, regulatory, governmental, tax, law enforcement or other authorities (including for
compliance with sanctions laws, the prevention or detection of money laundering, terrorist financing or other unlawful
activities) or to any self-regulatory or industry bodies such as federations or associations of insurers/ Takaful operators;
memenuhi obligasi pendedahan dan keperluan lain yang dikenakan oleh atau untuk tujuan mana-mana undang-undang,
peraturan, peraturan, peraturan amalan atau garis panduan (sama ada berkenaan di dalam atau di luar Malaysia) yang
mengikat Syarikat atau mana-mana ahli Kumpulan, termasuk membuat pendedahan kepada mana-mana undang-undang,
pengawalseliaan, kerajaan, cukai, penguatkuasaan undang-undang atau pihak berkuasa lain (termasuk untuk mematuhi
undang-undang sekatan, pencegahan atau pengesanan pengubahan wang haram, pembiayaan pengganas atau aktiviti lain
yang menyalahi undang-undang) persekutuan atau persatuan penanggung insurans/pengendali Takaful;
xii. for any corporate exercise or transactions relating to the Company e.g. sale and purchase of assets, reorganisations or
amalgamation or collaboration;
bagi apa-apa perbelanjaan atau transaksi korporat yang berhubungan dengan Syarikat, misalnya. penjualan dan pembelian
aset, reorganisasi atau penggabungan atau kerjasama;
xiii. for statistical or actuarial research undertaken by the Company or any member of the Group; and
untuk penyelidikan statistik atau aktuari yang dijalankan oleh Syarikat atau mana-mana ahli Kumpulan; dan
xiv. fulfilling any other purposes directly related to (i) to (xiii) above;
memenuhi apa-apa maksud lain yang berkaitan langsung dengan (i) hingga (xiii) di atas;

6. Personal data will be kept confidential, but to facilitate the purposes set out in paragraph 5 above, the Company may transfer, disclose,
grant access to or share personal data with the following:
Data peribadi akan dirahsiakan, tetapi untuk memudahkan tujuan yang dinyatakan dalam perenggan 5 di atas, Syarikat boleh
memindahkan, mendedahkan, memberi akses kepada atau berkongsi data peribadi dengan yang berikut:
i. other members of the Group;

ahli-ahli Kumpulan yang lain;
ii. any person or company carrying on Takaful-related and/or re Takaful-related business which is engaged by the Company in
connection with the Company's business;
mana-mana orang atau syarikat yang menjalankan perniagaan yang berkaitan dengan Takaful dan / atau re Takaful yang
terlibat oleh Syarikat berkaitan dengan perniagaan Syarikat;
iii. any physicians, hospitals, clinics, medical practitioners, laboratories, technicians, loss adjustors, risk intelligence providers,
claims investigators, legal advisors and/or other professional advisors engaged in connection with the Company's business;
mana-mana pakar perubatan, hospital, klinik, pengamal perubatan, makmal, juruteknik, penyesuaian kerugian, penyedia risikan
risiko, penyiasat tuntutan, penasihat undang-undang dan / atau penasihat profesional lain yang berkaitan dengan perniagaan
Syarikat;
iv. any agent, contractor or service provider providing administrative, distribution, credit reference, debt collection,
telecommunications, computer, call centre, data processing, payment processing, printing, redemption or other services in
connection with the Company's business;
mana-mana ejen, kontraktor atau pembekal perkhidmatan yang menyediakan pentadbiran, pengedaran, rujukan kredit,
pengumpulan hutang, telekomunikasi, komputer, pusat panggilan, pemprosesan data, pemprosesan pembayaran, percetakan,
penebusan atau perkhidmatan lain berkaitan dengan perniagaan Syarikat;
v. any official, regulator, ministry, law enforcement agent or other person (whether within or outside Malaysia) to whom the
Company or another member of the Group is under an obligation or otherwise required or expected to make disclosures under
the requirements of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Malaysia);
and/or
mana-mana pegawai, pengawal selia, kementerian, ejen penguatkuasa undang-undang atau orang lain (sama ada di dalam
atau di luar Malaysia) yang kepadanya Syarikat atau anggota lain Kumpulan mempunyai kewajipan atau selainnya dikehendaki
atau dijangka membuat pendedahan di bawah kehendak mana-mana undang-undang, peraturan, peraturan amalan atau garis
panduan (sama ada berkenaan di dalam atau di luar Malaysia); dan / atau
vi. third parties involved in any corporate exercise or transactions relating to the Company e.g. sale and purchase of assets,
reorganisations or amalgamation or collaboration
pihak ketiga yang terlibat dalam sebarang perbincangan atau transaksi korporat yang berkaitan dengan Syarikat, misalnya.
penjualan dan pembelian aset, reorganisasi atau penggabungan atau kerjasama.
7. Your personal data may be transferred or disclosed to any assignee, transferee, participant or sub-participant of all or any substantial
part of the Company's business.
Data peribadi anda boleh dipindahkan atau didedahkan kepada mana-mana pemegang serah hak, penerima pindahan, peserta atau
sub-peserta semua atau sebahagian besar daripada perniagaan Syarikat.

8. The Company is only allowed to: (i) use your personal data in direct marketing; or (ii) provide your personal data to another person or
company for its use in direct marketing, if you provide your consent or do not object in writing.
Syarikat hanya dibenarkan untuk: (i) menggunakan data peribadi anda dalam pemasaran langsung; atau (ii) menyediakan data peribadi
anda kepada orang lain atau syarikat untuk penggunaannya dalam pemasaran langsung, jika anda memberikan persetujuan anda atau
tidak membantah secara bertulis.

9. In connection with direct marketing, the Company intends:
Berkaitan dengan pemasaran langsung, Syarikat berhasrat:
i. to use your name, contact details, services and products portfolio information, financial background and demographic data
held by the Company from time to time in direct marketing to market the following classes of services and products offered by
the Company, other members of the Group and/or our business partners (being providers of the product and services
described below):
untuk menggunakan nama, butiran hubungan, maklumat perkhidmatan dan portfolio produk, latar belakang kewangan dan data
demografi yang dipegang oleh Syarikat dari semasa ke semasa dalam pemasaran langsung untuk memasarkan kelas
perkhidmatan dan produk berikut yang ditawarkan oleh Syarikat, ahli-ahli Kumpulan dan lain-lain / atau rakan perniagaan kami
(sebagai penyedia produk dan layanan yang dijelaskan di bawah):
a. Takaful services and products;
perkhidmatan dan produk Takaful;
b. wealth management services and products;
perkhidmatan dan produk pengurusan kekayaan;
c. pensions, investments, brokering, financial advisory, financial services and products;
pencen, pelaburan, pembrokeran, penasihat kewangan, perkhidmatan kewangan dan produk;
d. health-check and wellness services and products;
perkhidmatan pemeriksaan dan kesejahteraan kesihatan dan produk;
e. media, entertainment and telecommunications services;
perkhidmatan media, hiburan dan telekomunikasi;
f. reward, loyalty or privileges programmes and related services and products; and
program ganjaran, kesetiaan atau keistimewaan dan perkhidmatan dan produk berkaitan; dan
g. donations and contributions for charitable and/or non-profit making purposes; and
caruman dan sumbangan untuk tujuan amal dan / atau keuntungan bukan keuntungan; dan
ii. to provide your name and contact details to any members of the Group and/or our business partners for their use in direct
marketing the classes of services and products described in paragraph 9(i) above (including, in the case of our business
partners, for money or other commercial benefit).
untuk memberikan nama dan butiran hubungan anda kepada mana-mana ahli Kumpulan dan / atau rakan niaga kami untuk
kegunaan mereka dalam pemasaran langsung kelas perkhidmatan dan produk yang diterangkan dalam perenggan 9 (i) di atas
(termasuk, dalam kes rakan perniagaan kami, untuk wang atau faedah komersil lain).

10. If you do NOT wish the Company to use your personal data in direct marketing or provide your personal data to other members of
the Group and/or our business partners for their use in direct marketing, (in paragraph 9 above) you may write to the Personal Data
Protection Officer of the Company at the address below to opt out from direct marketing at any time.
Sekiranya anda TIDAK menghendaki Syarikat menggunakan data peribadi anda dalam pemasaran langsung atau menyediakan
data peribadi anda kepada ahli-ahli Kumpulan dan / atau rakan perniagaan kami yang lain untuk kegunaannya dalam pemasaran
langsung, (dalam perenggan 9 di atas) anda boleh menulis kepada Pegawai Perlindungan Data Peribadi Syarikat di alamat di
bawah untuk menarik diri dari pemasaran langsung pada bila-bila masa.

11. To facilitate the purposes set out in paragraphs 5 and 9 above, the Company may transfer, disclose, grant access to or share your
personal data with the parties set out in paragraphs 6 and 9(ii) and you acknowledge that those parties may be based outside Malaysia
and that your personal information and personal data may be transferred to places where there may not be in place data protection
laws which are substantially similar to, or serve the same purposes as, the Act.
Untuk memudahkan tujuan yang dinyatakan dalam perenggan 5 dan 9 di atas, Syarikat boleh memindahkan, mendedahkan, memberi
akses kepada atau berkongsi data peribadi anda dengan pihak yang dinyatakan dalam perenggan 6 dan 9 (ii) dan anda mengakui
bahawa pihak-pihak tersebut boleh didasarkan di luar Malaysia dan maklumat peribadi dan data peribadi anda boleh dipindahkan ke
tempat-tempat di mana undang-undang perlindungan data tidak terdapat di tempat yang sama atau sama dengan Akta tersebut.

12. Under the Act:
Di bawah Akta
i. you have the right to request access to your personal data held by the Company and request correction of any of your personal
data which is incorrect or to limit the processing of your personal data; and
anda mempunyai hak untuk meminta akses kepada data peribadi anda yang dipegang oleh Syarikat dan meminta pembetulan
mana-mana data peribadi anda yang salah atau untuk menghadkan pemprosesan data peribadi anda; dan
ii. the Company has the right to charge you a reasonable fee for processing and complying with your data access or correction
request.
Syarikat mempunyai hak untuk mengenakan bayaran yang munasabah untuk memproses dan mematuhi permintaan data atau
pembetulan anda.

13. Requests for access to or correction of your personal data should be made in writing to the Personal Data Protection Officer of the
Company at the address below.
Permintaan untuk mengakses atau membetulkan data peribadi anda hendaklah dibuat secara bertulis kepada Pegawai Perlindungan
Data Peribadi Syarikat di alamat di bawah.

14. The Company reserves the right, at any time effective upon notice to you, to add to, change, update or modify the Notice.
Syarikat berhak, pada bila-bila masa berkuat kuasa apabila notis kepada anda, untuk menambah, mengubah, mengemas kini atau
mengubah suai Notis ini.

15. Accuracy of Personal Information
Ketepatan Maklumat Peribadi
The Company will ensure the accuracy of all personal data collected and processed by the Company. Appropriate procedures are
implemented so that all personal data is regularly checked and updated to ensure that it is reasonably accurate having regard to the
purposes for which that data is used. In so far as personal data held by the Company consists of statements of opinion, all reasonably
practicable steps are taken to ensure that any facts cited in support of such statements of opinion are correct.
Syarikat akan memastikan ketepatan bagi kesemua data peribadi yang dikumpulkan dan diproses oleh Syarikat. Prosedur yang
sewajarnya dilaksanakan agar semua data peribadi sentiasa diperiksa dan dikemas kini untuk memastikan ia adalah wajar dengan
mengambil kira tujuan data tersebut. digunakan Selagi data peribadi yang dipegang oleh Syarikat terdiri daripada pernyataan pendapat,
semua langkah yang munasabah dilaksanakan untuk memastikan bahawa sebarang fakta yang disebut sebagai menyokong pernyataan
pendapat tersebut adalah betul.
The Company will at all times endeavour to ensure the accuracy of personal data held by the Company, and if such personal data is
transferred to third parties, it will notify that third party of any correction to be made.
Syarikat akan sentiasa berusaha untuk memastikan ketepatan data peribadi yang dipegang oleh Syarikat, dan jika data peribadi
tersebut dipindahkan kepada pihak ketiga, ia akan memaklumkan pihak ketiga pembetulan dibuat.

16. Retention of Personal Information
Pengekalan Maklumat Peribadi
No personal data is kept for longer than is necessary and that the Company will comply with all statutory and regulatory requirements
in Malaysia concerning the retention of personally identifiable information.
Tiada data peribadi disimpan lebih lama daripada yang diperlukan dan Syarikat akan mematuhi semua keperluan berkanun dan
peraturan di Malaysia mengenai pengekalan maklumat yang dapat dikenal pasti secara peribadi.
Your personal data may be collected via, and stored in, an electronic or mobile application (FWD Smart) (the “App”).
Data peribadi anda boleh dikumpulkan melalui, dan disimpan dalam, aplikasi elektronik atau mudah alih (FWD Smart) ("Apl").


17. Data Security
Keselamatan Data
The Company will ensure an appropriate level of protection for personal data in order to prevent unauthorized access, processing or
other use of that data, commensurate with the sensitivity of the data and the harm that would be caused by unauthorized access to that
data. It is the practice of the Company to achieve appropriate levels of security by restricting physical access to data, providing secure
storage facilities and incorporating security measures into equipment in which data is held. Measures are taken to ensure the integrity,
prudence, and competence of persons having access to personal data and personal data is only transmitted by secure means.
Syarikat akan memastikan tahap perlindungan yang sesuai untuk data peribadi untuk mengelakkan akses tanpa kebenaran,
pemprosesan atau penggunaan data lain yang tidak sah, sepadan dengan sensitiviti data dan bahaya yang akan disebabkan oleh akses
yang tidak dibenarkan kepada data tersebut. Adalah amalan Syarikat untuk mencapai tahap keselamatan yang sesuai dengan menyekat
akses fizikal kepada data, menyediakan kemudahan simpanan yang selamat dan memasukkan langkah-langkah keselamatan ke dalam
peralatan di mana data diadakan. Langkah-langkah diambil untuk memastikan integriti, kehati-hatian, dan kecekapan orang yang
mempunyai akses kepada data peribadi dan data peribadi hanya dihantar melalui cara yang selamat.
In addition, the Company takes prudent security measures to ensure personal data collected via the App are stored and transmitted
under protection.
Di samping itu, Syarikat mengambil langkah-langkah keselamatan yang berhemah untuk memastikan data peribadi yang dikumpul
melalui Applikasi disimpan dan dihantar adalah terlindung.
i. For mobile app development, the App is developed by secure coding and annual penetration testing is conducted by thirdparty
security professionals.
Bagi pembangunan aplikasi mudah alih, Aplikaso dibangunkan oleh pengekodan yang selamat dan ujian penembusan tahunan
dijalankan oleh profesional keselamatan pihak ketiga.
ii. The personal data collected via the App is stored in an encrypted database.
Data peribadi yang dikumpulkan melalui App disimpan dalam pangkalan data yang disulitkan.
iii. Data transfers between the Company and the App are made in SSL secured connection and valid session key management is in
place to ensure unauthorized access is restricted and prevented.
Pemindahan data antara Syarikat dan App dibuat ketika dalam sambungan SSL yang dijamin dan pengurusan kunci sesi yang
sah disediakan untuk memastikan akses yang tidak dibenarkan dihadkan dan dihalang.
iv. A multi-layered defense system is used in the Company’s data centre to secure transmission and ensure effective data
protection is in place.
Sistem pertahanan pelbagai lapisan digunakan di pusat data Syarikat untuk mendapatkan penghantaran dan memastikan
perlindungan data yang berkesan disediakan.

18. Use of Cookies and Third Party Links
Penggunaan Kuki dan Pautan Pihak Ketiga
The Company’s website may include hyperlinks to third party websites. The Company has no control over the content, accuracy,
opinion expressed, and other links provided at these third party websites or how these third party websites deal with your personal
data. You should visit these third party websites for details of their privacy policies in relation to their handling of your personal data.
Laman sesawang Syarikat mungkin termasuk hyperlink ke laman sesawang pihak ketiga. Syarikat tidak mempunyai kawalan terhadap
kandungan, ketepatan, pendapat yang dinyatakan, dan pautan lain yang disediakan di laman sesawang pihak ketiga ini atau
bagaimana laman sesawang pihak ketiga ini menangani data peribadi anda. Anda harus melawati laman sesawang pihak ketiga ini
untuk mendapatkan butiran mengenai dasar privasi mereka berhubung dengan pengendalian data peribadi anda.
The Company may use "cookies" to improve our internet service to you. Cookies are small data files that are automatically stored on
your web browser in your computer that can be retrieved by the Company’s website. Cookies enable the Company’s website to
remember you and your preferences when you visit the website and enable us to tailor the website to your needs. The information
collected by cookies is anonymous visitor’s personalised settings information and contains no name or address information or any
information that will enable anyone to contact you via telephone, e-mail or any other means. No customer personal data is stored in
cookies. However, you can disable cookies by changing the settings of your web browser.
Syarikat boleh menggunakan "kuki" untuk meningkatkan perkhidmatan internet kami kepada anda. "Kuki" adalah fail data kecil yang
disimpan secara automatik pada pelayar sesawang anda di komputer anda yang boleh diambil oleh sesawang Syarikat. “Kuki”
membolehkan tapak sesawang Syarikat untuk mengingati anda dan keutamaan anda apabila anda melawat laman sesawang dan
membolehkan kami menyesuaikan laman sesawang kepada keperluan anda. Maklumat yang dikumpulkan oleh “kuki” adalah maklumat
tetapan peribadi peribadi pengunjung tanpa nama dan tidak mengandungi maklumat nama atau alamat atau sebarang maklumat yang
akan membolehkan sesiapa sahaja menghubungi anda melalui telefon, e-mel atau apa-apa cara lain. Tiada data peribadi pelanggan
disimpan dalam kuki. Walau bagaimanapun, anda boleh mematikan kuki dengan mengubah tetapan pelayar sesawang anda.
In case of discrepancies between the English and Bahasa Melayu versions, the English version shall apply and prevail.
Dalam kes percanggahan antara versi Bahasa Inggeris dan Bahasa Melayu, versi Bahasa Inggeris akan terpakai dan diguna pakai.
Further enquiries regarding the Company's Personal Data Protection Policy and Practices may be directed to:
Pertanyaan lanjut mengenai Dasar dan Amalan Perlindungan Data Peribadi Syarikat boleh diarahkan kepada:
The Corporate Data Protection Officer / Pegawai Perlindungan Data Korporat
FWD Takaful Berhad

Level 29 Menara Shell
50450 Kuala Lumpur
Tel: 03 2771 7888

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Dear Faiz Fahmi Bin Ariffin @ Azmi,

Welcome to FWD Takaful Berhad

You’re good to go!

What if you need to make a claim?

What else are we going to write to you about?

Salim Majid Zain

Details of certificate owner and person covered

Your base contractual contribution (RM)

Services# What we will do

Service wakalah charge

FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

Wakalah fee* (%) 40% 40% 40% 20% 20% 20% 5% 5% 5% 5%

Investment of your allocated contributions

Tabarru’ rates (RM) per annum per 1,000 sum at risk

FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

Details of certificate owner and person covered

Your contractual contribution (RM)

Applicable wakalah fees on your rider contributions

FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

Details of certificate owner and person covered

Your contractual contribution (RM)

Applicable wakalah fees on your rider contributions

FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

Details of certificate owner and person covered

Your contractual contribution (RM)

Applicable wakalah fees on your rider contributions

FWD Takaful Berhad, Registration No. 200601011780 (731530-M)

About your certificate 1

Quick summary of your benefits 5

Starting, changing, or ending your certificate 19

The main people in your certificate 25

FWD Invest First

Fees and charges 35

Important words and phrases 40

FWD Invest First

About your certificate

Thank you for choosing FWD. We’re pleased to be protecting

Your FWD Invest First Certificate

We manage your contributions based on the Shariah contract of wakalah.

We highlight important information like this. Read these carefully.

Words with special meaning

Certificate Issue date Shariah Unit

If you have questions

FWD Invest First

Certificate information statement

– Auto-debit from a credit or debit card.

Choosing who receives the benefits

Total and permanent disability (TPD) benefit

– the person covered will lose the coverage; and

FWD Invest First

15-day free-look period

What you need to do

You won’t be able to cancel under the free-look period if you:

during the free-look period.

We will pay the following amounts.

Tell us about any changes

How to contact us if you have any questions or to make a claim

Exclusions and conditions

FWD Invest First

How to resolve a concern or complaint

We will respond to your complaint within 3 working days of us receiving it.

Level 14, Tel: 03-2272 2811

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