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Cimb Sun Inspirasi Brochure PDF
Cimb Sun Inspirasi Brochure PDF
Safeguard your loved ones Sun Inspirasi is a surplus sharing universal takaful plan that
provides the following:
Maturity benefit
*A
ssumptions: Female, age 18, non-smoker by selecting contract term
up to age 80 and contribution paying term up to age 65. The contribution
rate will vary based on entry age, gender, smoking status, contract term
and contribution paying term.
Why Sun Inspirasi?
Sun Inspirasi provides the following:
Cash payout benefit
Hibah (gift of love) with high takaful
coverage amount on death and total and • You will receive cash payout benefits at the
permanent disability (TPD) end of the 5th and 10th contract year.
• You can leave behind a perfect gift for your • The benefit payouts are 0.5% of the initial
loved ones by nominating your beneficiary basic sum covered at the end of the 5th
for a simpler inheritance process. The contract year, and 1.5% of the initial basic
beneficiary will receive the sum covered sum covered at the end of the 10th contract
and the benefit payout is not subject to the year.
Faraid distribution.
• The cash payout benefit is payable from the
• High coverage starting from RM250,000 per universal account, provided the value of the
contract will be payable in the event of death universal account is higher than the cash
or total and permanent disability (TPD1). You payout amount and all contributions are
or your loved ones will receive the higher of: paid up to date.
- basic sum covered; or
- value of the universal account; less any Flexible contribution payment term and
indebtedness. contract term
• Based on your financial affordability
Up to 3 times additional payout on
and needs, you can customize your
accidental death2
takaful protection plan by choosing the
• Your loved ones will receive: contribution payment term and contract
-1
x of the basic sum covered in the event term.
of accidental death.
Contribution
Contract term
-2
x of the basic sum covered in the event payment term
of accidental death occurs in public
5 years / 10 years /
conveyance. Regular contribution Up to age 80 / 99
-3
x of the basic sum covered in the event up to age 654
of accidental death occurs in commercial
aviation.
Maturity benefit
Maturity
value
Eligibility (age last birthday basis) Tabarru’ Tabarru’ for the takaful benefits shall be
collected by deducting the value of universal
Person covered account on the contract commencement date
and on each contract monthly anniversary.
Contribution Wakalah fee The wakalah fee shall be deducted from the
5 years 10 years Up to age 65*
Paying Term contribution to meet our management expenses
and direct distribution cost, including the
Minimum entry age 18 years old commissions payable. The applicable wakalah
fees are as follows:
Maximum entry age 60 years old 54 years old
a) Takaful contribution
*
The contribution paying term is up to the contract anniversary
immediately following the person covered’s 65th birthday. Wakalah fee
(% of takaful contribution)
For contract holder, the minimum entry age is 18 years old. Contribution
Contribution payment term
year
5 10 Up to age
Contract term years years 65
This plan provides 2 options of contract term for you to choose 1 35% 50% 55%
from. 2 30% 45% 45%
3 25% 35% 35%
Up to age 80 Up to age 99 4 15% 25% 25%
5 5% 15% 15%
6 0% 10% 10%
Contribution payment
7 0% 5% 5%
Contribution can be made either monthly, quarterly, half yearly 8 0% 5% 5%
or yearly via credit/debit card or direct debit.
9 and
0% 0% 0%
onwards
Top-up contribution
b) Top-up contribution
You have the flexibility to top-up the contribution through
scheduled or single top-up contribution. Contribution Wakalah fee
year (% of top-up contribution)
Scheduled top-up Single top-up Throughout all
contribution contribution 5%
years
Minimum RM50 per month RM500 per transaction Deferred Upon partial withdrawal10 and full withdrawal or
wakalah fee surrender, a deferred wakalah fee is applicable
5 times of annualised as follows:
Maximum No limit takaful contributions per
year Deferred wakalah fee
(% of withdrawal amount)
The scheduled or single top-up contribution must be performed Contract
Contribution payment term
in multiples of RM10 and the maximum limit is subject to Sun year
Up to age
Life Malaysia discretion. 5 years 10 years
65
1 25% 25% 25%
2 15% 15% 15%
3 15% 15% 15%
4 15% 15% 15%
9
All fees and charges are not guaranteed. If there are any changes on the
fees and charges, Sun Life Malaysia will notify you at least 90 days’ prior 5 10% 10% 10%
to the next contract anniversary. 6 0% 10% 10%
10
Partial withdrawal is allowed upon completion of 10 contract 7 0% 10% 10%
anniversaries and is subject to the deferred wakalah fee.
Deferred ii) For scheduled/single top-up contribution, 3.75% commission
Deferred wakalah fee
wakalah fee is payable and borne by the contract holder.
(% of withdrawal amount)
(cont'd) Contract iii) The commissions for this plan are borne by the contract
Contribution payment term
year holder and paid from the takaful contribution to CIMB
Up to age
5 years 10 years Islamic Bank or CIMB Bank, provided that CIMB Islamic Bank
65
or CIMB Bank meets the qualifying criteria set by Sun Life
8 0% 5% 5% Malaysia.
9 0% 5% 5%
10 0% 5% 5%
11 and
0% 0% 5%11 Exclusions
onwards
Note: This list is non-exhaustive. Please refer to the contract
documents for a complete list of the exclusions.
Surplus sharing
The tabarru’ (voluntary contribution) collected will be allocated Death benefit
to the participants’ tabarru’ fund (PTF). It will be used for takaful The death benefit will not be payable if death of the person
coverage and for mutual assistance to other participants covered is due to suicide (while sane or insane) or pre-existing
in times of misfortune. At the end of the financial year, any condition within 12 months from the contract commencement
distributable surplus declared from the PTF after repayment of date or the last reinstatement date of contract, whichever is
Qard (interest-free loan) provided by Sun Life Malaysia in the later. In this case, the contract will be terminated and the value
event of a deficit in the PTF (if any) will be distributed at 50% to of universal account as at the date of death, will be payable.
Sun Life Malaysia and 50% among all eligible participants into
their universal account.
Total and permanent disability (TPD) benefit
No TPD benefit will be payable if TPD of the person covered
Commissions resulted directly or indirectly from any of the following:
i) Commission for this plan is as follows:
a) Pre-existing condition within the first 12 months of the
Commission rate (% of basic contribution) contract commencement date or last reinstatement date,
Contribution whichever is later;
Year
year
1 2 3 4 5 6 7 8 9 10 11 b) War, invasion, acts of foreign enemies, hostilities or warlike
operations (whether war be declared or not), strike, riot,
5 6.25 5.31 5.31 2.81 2.81
civil war, rebellion, revolution, insurrection, civil commotion
10 12.50 7.50 7.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 assuming the proportions of or amounting to an uprising,
11 13.75 8.25 8.25 2.75 2.75 2.75 2.75 2.75 2.75 2.75 military or usurped power;
12 15.00 9.00 9.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 c) Being under the influence of drugs, any narcotics or due to
intoxication by liquor and/or illicit substance;
13 16.25 9.75 9.75 3.25 3.25 3.25 3.25 3.25 3.25 3.25
14 17.50 10.50 10.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50 d) Self-inflicted injuries or suicide, while sane or insane;
15 18.75 11.25 11.25 3.75 3.75 3.75 3.75 3.75 3.75 3.75 e) Entering, operating or servicing, ascending or descending
16 20.00 12.00 12.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00 from or with any aerial device or conveyance except while
the person covered is in an aircraft operated by a commercial
17 21.25 12.75 12.75 4.25 4.25 4.25 4.25 4.25 4.25 4.25 passenger airline on a regular schedule passenger trip over
18 22.50 13.50 13.50 4.50 4.50 4.50 4.50 4.50 4.50 4.50 its established passenger route;
19 23.75 14.25 14.25 4.75 4.75 4.75 4.75 4.75 4.75 4.75 f) Criminal act, involvement in a breach of law (unless as an
20 and innocent party) or membership of an illegal organisation;
25.00 15.00 15.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00
above
g) Acquired Immuno-deficiency Syndrome (AIDS), AIDS-related
For regular contribution up to age 65, the deferred wakalah fee is
11 complications, or infection of the person covered by Human
applicable until the end of the contribution payment term. Immunodeficiency Virus (HIV);
Exclusions (cont'd) assuming the proportions of or amounting to an uprising,
military or usurped power;
h) Active duty in any navy, army, air force, military, fire service,
civil defense, police or law enforcement organisation; or l) While engaging in professional sport activities of any kind;
or
i) Participation in any hazardous sport or pastime or activities,
including but not limited to aerial activities, bungee jumping, m) Willful or negligent exposure to unnecessary risks or perils.
rock climbing or mountaineering, underwater activities, or
racing of any type other than on foot.
Important notes
Accidental death benefit
1) This is a product brochure and not a contract document.
No accidental death benefit will be payable if the accidental Please refer to the Product Illustration and Product
death of the person covered resulted directly or indirectly from Disclosure Sheet for more information on the plan, as
any of the following: well as the contract documents for the complete terms
and conditions of this plan. The information contained
a) Acquired Immuno-deficiency Syndrome (AIDS), AIDS-related in this brochure may change without prior notice.
complications, infection of the person covered by Human
Immunodeficiency Virus (HIV); 2) You should be satisfied that this plan will best serve your
needs and ensure that the contribution payable under this
b) Active duty in any navy, army, air force, military, fire service, plan is an amount that you can afford.
civil defense, police or law enforcement organisation;
3)
You may cancel your contract within 15 days from the
c)
Attempted suicide (while sane or insane), immorality or delivery date of the contract and the takaful contribution
intentional self-inflicted injuries; that you have paid less any expenses incurred for any
medical underwriting required (if any) will be refunded.
d) Being under the influence of intoxicating liquor, intoxicating
substance, any narcotic or drugs; 4) You are given a grace period of 30 days from the contribution
due date of each subsequent contribution. If you do not pay
e) Bodily infirmity, or mental or functional disorder, or illness
the contribution within the 30 days of grace period from the
or disease of any kind, or any infection other than an
contribution due date, there will be a possibility that at any
infection occurring simultaneously with and in consequence
time the universal account might be insufficient to support
of a cut or wound of an accidental injury;
the basic contract. Your contract will then lapse.
f) Childbirth, pregnancy and related complications thereof;
5) If you terminate your contract in the early years, you may
g) Criminal act, involvement in a breach of law (unless as an receive less than the amount of contributions that you have
innocent party) or membership of an illegal organisation; paid.
h) Entering, operating or servicing, ascending or descending 6) The contract can be surrendered for its cash value from
from or with any aerial device or conveyance except while the universal account as determined by us, less any
the person covered is in an aircraft operated by a commercial indebtedness. The cash value, if any, is not guaranteed and
passenger airline on a regular schedule passenger trip over may be less than the contributions that you have paid.
its established passenger route;
7) The Profit Equalisation Reserve (PER) helps reduce the
i) Participation in any hazardous sport or pastime or activities, variability of investment returns by spreading gains and
including but not limited to aerial activity, bungee jumping, losses over several years. Using the PER, some investment
rock climbing or mountaineering, underwater activities, profits are set aside during periods of high returns to offset
racing of any type other than on foot; losses during periods of low returns, such that overall
returns are more stable over time. At any point in time,
j) Pre-existing physical or mental defect or infirmity; the ownership of the PER is governed by the profit-sharing
ratio. Determination of the PER is at the discretion of Sun
k) War, invasion, acts of foreign enemies, hostilities or warlike Life Malaysia. Upon termination of the contract, rights of
operations (whether war be declared or not), strike, riot, contract holder over any unpaid portion of the investment
civil war, rebellion, revolution, insurrection, civil commotion profit will be waived.
Important notes (cont'd) For more information, log on to www.cimb.com.my, call
+603 6204 7788 or visit any CIMB Islamic bank branch,
8) The wakalah fee and other contract fees are not guaranteed co-located at CIMB Bank branches nationwide.
and may be revised by us following at least 90 days’ written
notice. The revision will be effected on the next contract Connect with us on: CIMB Malaysia CIMB_Assists
anniversary after the expiry of such notice period.
Managed by
9)
The contribution amount paid may qualify you for an
income tax deduction, subject to the Inland Revenue Board
of Malaysia.
10) All taxes, including but not limited to any goods and services Sun Life Malaysia Takaful Berhad
tax, and/or other forms of sales or consumption tax, whether Registration Number: 200501012215 (689263-M)
currently in force or implemented after the date of the Level 11, 338 Jalan Tuanku Abdul Rahman
contract will be charged in accordance with the applicable 50100 Kuala Lumpur, Malaysia
legislation at the prevailing rate. Where necessary, Sun Life Telephone (603) 2612 3600 wecare@sunlifemalaysia.com
Malaysia will amend the terms of the contract to take into Client Careline 1300-88-5055 sunlifemalaysia.com
account any such tax.
A joint venture between Sun Life Assurance Company of Canada
11) You should ensure that important information regarding and Renggis Ventures Sdn Bhd
this plan is disclosed to you and that you understand the
information disclosed. Where there is ambiguity, you should
seek clarification from the authorised representatives.
13)
This plan is distributed by CIMB Islamic Bank Berhad
200401032872 (671380-H) and CIMB Bank Berhad
197201001799 (13491-P). CIMB Islamic Bank Berhad and
CIMB Bank Berhad are co-located at 17th Floor Menara
CIMB, No 1 Jalan Stesen Sentral 2, Kuala Lumpur Sentral,
50470 Kuala Lumpur.
galanya. Lindungi orang Sun Inspirasi adalah pelan takaful universal dengan perkongsian
lebihan yang menyediakan seperti yang berikut:
•
Anda boleh meninggalkan hadiah yang •
Anda akan menerima manfaat-manfaat
sempurna untuk orang tersayang anda bayaran tunai pada akhir tahun kontrak
dengan menamakan benefisiari anda untuk ke-5 dan ke-10.
proses warisan tanpa kerumitan. Benefisiari • Pembayaran manfaat adalah 0.5% daripada
akan menerima jumlah yang dilindungi jumlah asas awal yang dilindungi untuk
dan pembayaran manfaat tidak tertakluk tahun kontrak ke-5, dan 1.5% daripada
kepada pengagihan Faraid. jumlah asas awal yang dilindungi untuk
•Perlindungan yang tinggi bermula dari tahun kontrak ke-10.
RM250,000 bagi setiap kontrak akan dibayar •
Manfaat bayaran tunai akan dibayar dari
sekiranya berlaku kematian atau hilang akaun universal, dengan syarat nilai akaun
upaya menyeluruh dan kekal (TPD1). Anda universal lebih tinggi daripada jumlah
atau orang tersayang anda akan menerima: bayaran tunai dan semua sumbangan telah
- jumlah asas yang dilindungi; atau dibayar sehingga tarikh terkini.
- nilai akaun universal; yang mana lebih
tinggi; tolak sebarang keberhutangan. Tempoh pembayaran sumbangan dan
tempoh kontrak yang fleksibel
Bayaran tambahan sebanyak 3 kali ganda
atas kematian akibat kemalangan2 •
Anda boleh menyelaraskan pelan
perlindungan takaful anda dengan memilih
• Orang tersayang anda akan menerima: tempoh pembayaran sumbangan dan
-1
x jumlah asas yang dilindungi sekiranya tempoh kontrak, berdasarkan kemampuan
berlaku kemalangan. kewangan dan keperluan anda.
-2
x jumlah asas yang dilindungi sekiranya
Tempoh
berlaku kemalangan dalam pengangkutan pembayaran Tempoh kontrak
awam. sumbangan
-3
x jumlah asas yang dilindungi sekiranya 5 tahun / 10 tahun /
berlaku kemalangan dalam penerbangan Sumbangan berkala Sehingga umur 80 /
komersial. sehingga umur 654 99 tahun
tahun
Manfaat kematangan
•
Apabila kematangan kontrak, anda akan
menerima 100% daripada nilai akaun
1
Perlindungan TPD akan tamat pada ulang tahun bulanan kontrak universal pada tarikh kematangan kontrak,
sejurus selepas orang yang dilindungi mencapai umur 70 tahun dan tolak sebarang keberhutangan.
tertakluk kepada had agregat maksimum sebanyak RM8,000,000
setiap orang yang dilindungi.
Perlindungan kematian akibat kemalangan akan tamat pada ulang
2
3
Bergantung kepada umur dan keadaan kesihatan orang yang
tahun bulanan sejurus selepas orang yang dilindungi mencapai umur dilindungi.
70 tahun dan tertakluk kepada had agregat maksimum sebanyak
4
Tempoh pembayaran sumbangan adalah sehingga ulang tahun
RM4,000,000 setiap orang yang dilindungi. kontrak sejurus selepas hari lahir ke-65 orang yang dilindungi.
Bagaimana Sun Inspirasi berfungsi?
Fariz meninggal dunia dalam
pesawat yang terhempas
semasa perjalanan ke London.
Kematian akibat
RM500,000
Menerima Menerima kemalangan
bayaran tunai bayaran tunai
sebanyak sebanyak
RM2,500 RM7,500 RM604,0007# /
Kematian6
RM500,0008
Tahun
kontrak
Permulaan 5 10 35 40
kontrak
Nilai
kematangan
Kelayakan (berdasarkan umur pada hari lahir terakhir) Tabarru’ Tabarru’ untuk manfaat-manfaat takaful akan
ditolak daripada nilai akaun universal pada
Orang yang dilindungi tarikh berkuatkuasa kontrak dan pada setiap
Tempoh ulang tahun bulanan kontrak.
5 10 Sehingga umur
pembayaran Yuran Yuran wakalah akan ditolak daripada
tahun tahun 65 tahun*
sumbangan wakalah sumbangan untuk memenuhi perbelanjaan
Umur kemasukan pengurusan kami dan kos pengedaran terus,
18 tahun
minimum termasuk komisen yang perlu dibayar. Yuran-
Umur kemasukan yuran wakalah yang berkenaan adalah seperti
60 tahun 54 tahun yang berikut:
maksimum
*
Tempoh pembayaran sumbangan adalah sehingga ulang tahun a) Sumbangan takaful
kontrak sejurus selepas hari lahir ke-65 orang yang dilindungi. Yuran wakalah
(% daripada sumbangan
Untuk pemegang kontrak, umur kemasukan minimum ialah 18 takaful)
tahun. Tahun
Tempoh pembayaran
sumbangan
sumbangan
Tempoh kontrak Sehingga
5 10
Pelan ini menyediakan 2 tempoh kontrak untuk pilihan anda: umur 65
tahun tahun
tahun
Sehingga umur Sehingga umur 1 35% 50% 55%
80 tahun 99 tahun
2 30% 45% 45%
3 25% 35% 35%
Bayaran sumbangan 4 15% 25% 25%
Bayaran sumbangan boleh dibuat secara bulanan, suku tahunan, 5 5% 15% 15%
setengah tahunan atau tahunan dengan menggunakan kad 6 0% 10% 10%
kredit/debit atau debit terus. 7 0% 5% 5%
8 0% 5% 5%
Sumbangan penambahan 9 dan 0% 0% 0%
seterusnya
Anda mempunyai fleksibiliti untuk menambah sumbangan
melalui sumbangan penambahan berjadual atau sumbangan b) Penambahan sumbangan
penambahan tunggal.
Yuran wakalah
Tahun
Sumbangan (% daripada sumbangan
Sumbangan sumbangan
penambahan penambahan)
penambahan tunggal
berjadual Sepanjang 5%
tahun
Minimum RM50 setiap bulan RM500 setiap transaksi
5 kali ganda sumbangan Yuran Setelah pengeluaran separa10 dan pengeluaran
Maksimum Tiada had takaful tahunan setiap wakalah penuh atau penyerahan, yuran wakalah
tahun tertunda tertunda adalah seperti yang berikut:
Sumbangan penambahan berjadual atau sumbangan Yuran wakalah tertunda
penambahan tunggal perlu dilakukan dalam gandaan RM10 (% daripada amaun
dan had maksimum adalah tertakluk kepada budi bicara Sun pengeluaran)
Life Malaysia. Tahun Tempoh pembayaran
kontrak sumbangan
9
Semua yuran dan caj adalah tidak terjamin. Sekiranya terdapat Sehingga
5 10
sebarang perubahan ke atas yuran-yuran dan caj-caj, Sun Life Malaysia umur 65
tahun tahun
akan memaklumkan anda sekurang-kurangnya 90 hari sebelum ulang tahun
tahun kontrak yang berikutnya. 1 25% 25% 25%
10
Pengeluaran separa adalah dibenarkan setelah ulang tahun kontrak 2 15% 15% 15%
yang ke 10, dan tertakluk kepada yuran wakalah tertunda.
Yuran Yuran wakalah tertunda Kadar komisen (% daripada sumbangan asas)
wakalah (% daripada amaun Tahun
tertunda pengeluaran) Tahun
sumbangan
(samb.)
Tahun Tempoh pembayaran 1 2 3 4 5 6 7 8 9 10 11
kontrak sumbangan
Sehingga 14 17.50 10.50 10.50 3.50 3.50 3.50 3.50 3.50 3.50 3.50
5 10
umur 65
tahun tahun 15 18.75 11.25 11.25 3.75 3.75 3.75 3.75 3.75 3.75 3.75
tahun
3 15% 15% 15% 16 20.00 12.00 12.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00
4 15% 15% 15%
17 21.25 12.75 12.75 4.25 4.25 4.25 4.25 4.25 4.25 4.25
5 10% 10% 10%
6 0% 10% 10% 18 22.50 13.50 13.50 4.50 4.50 4.50 4.50 4.50 4.50 4.50
7 0% 10% 10%
19 23.75 14.25 14.25 4.75 4.75 4.75 4.75 4.75 4.75 4.75
8 0% 5% 5%
9 0% 5% 5% 20 dan ke
25.00 15.00 15.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00
10 0% 5% 5% atas
11 dan ii) Untuk sumbangan penambahan berjadual/sumbangan
0% 0% 5%11
seterusnya penambahan tunggal, komisen sebanyak 3.75% akan
dibayar dan ditanggung oleh pemegang kontrak.
iii) Komisen untuk pelan ini adalah ditanggung oleh pemegang
Perkongsian lebihan
kontrak dan dibayar daripada sumbangan takaful kepada
Tabarru’ (sumbangan sukarela) yang dikutip akan diperuntukkan CIMB Islamic Bank atau CIMB Bank, dengan syarat CIMB
ke dalam Dana Tabarru’ Peserta (PTF). Ia akan digunakan untuk Islamic Bank atau CIMB Bank memenuhi kriteria kelayakan
perlindungan takaful dan bantuan bersama kepada peserta- yang ditetapkan oleh Sun Life Malaysia.
peserta yang lain sekiranya berlaku musibah. Pada setiap akhir
tahun kewangan, sebarang lebihan yang diumumkan dari PTF
selepas pembayaran balik Qard (pinjaman tanpa faedah) yang
Sun Life Malaysia sediakan sekiranya berlaku defisit dalam PTF Pengecualian-pengecualian
(jika ada) akan diagihkan 50% kepada Sun Life Malaysia dan Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada
50% kepada semua peserta yang berkelayakan ke dalam akaun dokumen-dokumen kontrak untuk senarai lengkap mengenai
universal mereka. pengecualian-pengecualian.
10 12.50 7.50 7.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50 Manfaat hilang upaya menyeluruh dan kekal (TPD)
11 13.75 8.25 8.25 2.75 2.75 2.75 2.75 2.75 2.75 2.75
Tiada manfaat TPD akan dibayar jika TPD orang yang dilindungi
adalah disebabkan secara langsung atau tidak langsung oleh
12 15.00 9.00 9.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 mana-mana yang berikut:
a)
Keadaan sedia ada dalam tempoh 12 bulan pertama
13 16.25 9.75 9.75 3.25 3.25 3.25 3.25 3.25 3.25 3.25
daripada tarikh berkuatkuasa kontrak atau tarikh
pengembalian semula terakhir, yang mana terkemudian;
Untuk sumbangan berkala sehingga umur 65 tahun, yuran wakalah
11
當您望著您的摯愛,您想像著充滿了希望與承諾的 在遭遇死亡及完全
及永久殘障(TPD)
未來。您希望給予他們最好的一切,因為他們是 的情況下提供一份
您最重要的親人。然而,您清楚地知道天有不測風 Hibah(愛的禮物)
雨,人有旦夕禍福。為了保障他們的未來並且確保 與高數額的回教保障
他們可以繼續享受當前生活,您可以為他們留下寶
貴的財產。Sun Inspirasi可以給予您的親人財務上的
保障,讓他們邁向理想生活之路,以及實踐自己的
目標與夢想。 高達三倍的意外死
亡保障
Sun Inspirasi是一份能讓您的信念永存,並且確保
您與您的摯愛可以獲得從RM250,000起回教財務保
障的萬能回教計劃。每月只需繳付最低RM172.30*
的獻金,您和您的摯愛可以共同追求安逸穩定的生 高達兩百萬令吉的
活,並且確保你們的未來可以安枕無憂。 免健康檢查保額
現金支付利益
自由地選擇獻金繳付
期限與合約期限
期滿利益
*假
設:女性、18歲、非吸煙者, 選擇合約期限直至80歲以及獻金
繳付期限直至65歲。獻金繳費率因投保年齡、性別、吸煙狀況、
合約期限及獻金繳付期限而異。
為何選擇Sun Inspirasi?
這份計劃提供:
在遭遇死亡及完全及永久殘障(TPD)提 現金支付利益
供一份Hibah(愛的禮物)與高數額的回教
保障 • 您
將在第五和第十個合約週年年底獲得現
金支付利益。
•您
可通過簡易方便的繼承過程提名您的
受益人,為您的摯愛留下完美禮物。 •此
利益的數額分別為初期基本投保額的
受益人獲得的投保額並不受於Faraid分配 0.5%和1.5%,並將分別在第五個合約週
的約束。 年和第十個合約週年時支付給您。
•在
遭遇死亡或完全及永久殘障(TPD1)的 •若
萬能賬戶的價值高於現金支付利益以及
情況下提供高數額的回教保障,每份合約 所有獻金均已繳付,現金支付利益將從萬
的投保額由RM250,000起。您或您的摯愛 能賬戶支付。
將獲得以下其中之一,視何者為高:
自由地選擇獻金繳付期限與合約期限
- 基本投保額;或
-萬
能賬戶的價值;並扣除任何債務。 •
您 可以根據您的財務狀況與需求選擇繳
付期限與合約期限以定制您的回教保險
高達三倍的意外死亡保障 2 計劃。
•您
的摯愛將:
獻金繳付期限 合約期限
-在
您遭遇意外死亡時獲得基本投保額的
1x 5年 / 10年 / 定期繳付
直至80 / 99歲
- 在 您因乘搭公共交通工具而導致意外死 獻金直至65歲4
亡時獲得基本投保額的 2 x
- 在 您因乘搭商業航空而導致意外死亡時 期滿利益
獲得基本投保額的 3 x
•當
您的合約期,您將獲得萬能賬戶價值的
高達兩百萬令吉的免健康檢查保額 100%,並扣除任何債務。
•若
您的回教保障是低於兩百萬令吉,您可
在申請時無需通過健康檢查3。
2
意外身亡保障將在受保人70歲後的合約週年月期失效,唯須符
合最高總限額為每人RM4,000,000。
1
TPD的保障將在受保人70歲後的合約週年月期失效,唯須符合
3
視受保人的年齡和健康狀態而定。
最高總限額為每人RM8,000,000。 4
獻金繳付期限是直至受保人65歲生日後的合約週年為止。
Sun Inspirasi 如何運作?
法里茲在飛往倫敦的旅途中因
飛機失事而喪身。
他的家人將獲得總值
RM 2.1 百萬7# / RM2 百萬8#。
法里茲,40歲,參保了價值RM500,000的
因乘搭商業航空時
Sun Inspirasi作為回教保障。他選擇了直至65歲 RM500,000
而導致意外身亡
的獻金繳付期限、合約期限至80歲,每月須繳
付的獻金為RM944.20。
因乘搭公共交通工具時
RM500,000
而導致意外身亡
RM500,000 意外身亡
獲得 獲得
RM2,500 RM7,500
的現金支付 的現金支付 RM604,0007# /
死亡6
RM500,0008
合約週年
合約生效 5 10 35 40
期滿價值
根據上圖,法里茲可以在第五個合約週年年底及第十個合約
週年年底分別獲得RM2,500 以及 RM7,500,作為現金支付
利益5。
5
作為條件,所有獻金必須繳清,並且萬能賬戶的價值在扣除
若法里茲在第35個合約週年在旅途中因商業飛機失事而喪 tabarru’後是足以提供現金支付數額的。
身,他的家人將獲得總數額RM2.1百萬7# (高回酬)或RM2 6
若不幸死亡,基本投保額或萬能賬戶的價值,視何者為高,將被
百萬8 (低迴酬) 。 支付。
7
假設前20年的高總投資回酬率為每年7.4%,之後每年為5.2%。
若法里茲存活至第40個合約週年年低的合約期滿,他將獲得 8
假設低總投資回酬率為每年3.6%。
RM728,0007# (高回酬)或RM419,0008# (低迴酬)。 #
所有數值是以十萬進位的。
更多有關 Sun Inspirasi 費用及收費9