Investment Link Plans (Takaful) January 1, 2023: NA Specific Markets Rev 06 22 06 2021 (Aia - Internal)

Investment Link Plans
(Takaful)
January 1, 2023
[AIA – INTERNAL] NA Specific Markets Rev 06 22 06 2021

DISCLAIMER
For internal staff and agent training only. This document is not a
sales material and cannot be used for circulation to prospects. It
serves only as a training guide to the agent in the selling concept
of the products mentioned. In the actual selling process, the
customer’s needs, affordability and preference must be
considered to deliver fair value to the customer. The detailed
product benefits and cost must be explained to help customers
make informed decisions. Only AIA authorized sales materials are
to be used when prospecting.
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not for distribution.
[AIA – INTERNAL]
Investment Link Plan
A-Life Legasi Beyond
AIA confidential and proprietary information. Not for distribution.

NA Traditional Life Rev08 22 06 2021
[AIA – INTERNAL]
A Lasting Legacy Begins With
A Holistic Protection Plan
[AIA – INTERNAL]
TABLE OF CONTENT
1 2 3 4
Malaysian A-Life PI & PDS
in a Post- Legasi & iPoS Appendix
Pandemic Beyond Guide
World
5 AIA confidential and proprietary information. Not for distribution.
[AIA – INTERNAL]
What is Takaful?
“Guaranteeing each other”

“Joint guarantee”
Takaful means an arrangement based on mutual assistance under which
Takaful Participants agree to contribute to a common fund providing for
mutual financial benefits payable to the Takaful Participants or their
beneficiaries on the occurrence of pre-agreed event
TAKAFUL INSURANCE
Risk Sharing Risk Transfer
Without the element of No restriction on
Gharar, Riba and Maisir Gharar, Riba or Maisir
[AIA – INTERNAL]
[AIA – INTERNAL]
Boost in Public Awareness
of Takaful Products
Shortly after the Supportive
Recovery Movement Control Order (RMCO) Government Initiatives
Easing of COVID-19
Expressed the intention Movement Restrictions
to purchase insurance / participate in
Takaful coverage1, A Recovering Economy
given pertinent information on the premium
/ contribution, coverage and death benefit.
DRIVED
THE SHARP GROWTH2
Source:
1) Is the pandemic nudging people to buy life insurances? - Malaysia (monash.edu.my)
2) Malaysia Takaful Dashboard 2022 (fitchratings.com)
[AIA – INTERNAL]
How has COVID-19 affected insurance / Takaful
protection decisions?
COVID 19 was reported to have influenced

individuals with
HIGHER INCOMES to purchase insurance /
participate in Takaful coverage and/or
increase their insurance / Takaful coverage
CLOSE TO HALF of those earning over RM 2,500

reported that they either purchased insurance /
Takaful coverage and/or increased their level of
existing coverage due to the influence of COVID-19.
Source: PIDM Report 2022: Why don’t urban millennials insure?

[AIA – INTERNAL]
Why MORE Malaysians want to buy insurance /
participate in takaful?
72% RM90 BILLION

worth of assets, mostly
actively building their
owned by Malays,
emergency funds
unclaimed as of 2020
Source: Source: AIA Household Savings Behaviour Study 2021 Source : https://www.utusan.com.my/nasional/2021/09/rm90b-harta-beku-tidak-dituntut/
89% 43% 53%

have set new life goals are less confident about
has set the goal to
to become more their finances and are
improve their health
future-focused more risk averse
Source: The Standard Chartered| Wealth Expectancy Report 2021
[AIA – INTERNAL]
We have HUGE OPPORTUNITY!
32+ Million Population
(22+ Million Bumiputera)
18.6% 2.0%
OPPORTUNITY!
with
Have Takaful AIA PUBLIC
(Highest Penetration Rate
Source: Department of Statistics Malaysia Official Portal (dosm.gov.my) for the past 5 year)
Takaful Bhd
[AIA – INTERNAL]
Introducing
[AIA – INTERNAL]
PLAN WELL LIVE WELL PROTECT WELL
Hassle-free
Rewards you more distribution with
when you stay Hibah Takaful
financially disciplined Build a better Legacy
Lighten the financial
by staying healthy with
burden of your loved
ones
Flexibility to suit
your financial needs Flexibility to build up
your protection
needs
HEALTHIER, LONGER, BETTER LIVES

13 AIA confidential and proprietary information. Not for distribution. With our Total Wealth Solution
[AIA – INTERNAL]
Hibah Takaful is here to help you provides….....
a peace of mind for your family……..
HASSLE-FREE LIQUIDITY CREDITOR-PROOF

The Islamic Financial Services Act 2013 (IFSA)
Paragraph 3(2) of Sch 10 IFSA:
Provides LIQUIDITY such that

Provides a HASSLE-FREE your loved ones are being taken Beneficiary has the FULL RIGHT
asset distribution for care off. over the Takaful Benefits
your family
[AIA – INTERNAL]
Care for your loved ones, multiple protection for yourself
PROTECT
Up to 600% Basic Sum Covered (BSC)
With minimum Sum Covered of RM350K
WELL
1x 2x 3x 6x
Hassle-free Death or Parent Accidental Death Accidental Death Accidental Death
distribution with TPD Accidental Death or Death during (Public Conveyance) (Natural Disaster)
Hibah Takaful Hajj/Umrah
Higher of Additional Higher of Higher of Higher of
100% of BSC; 100% of BSC 200% of BSC; 300% of BSC; 600% of BSC;
or Account Value of will be credited into or Account Value of or Account Value of or Account Value of
Protection Account the Savings Account Protection Account Protection Account Protection Account
Note:
• Only one of the benefits shall be paid together with any account value in the Savings Account.
• Total and Permanent Disability (TPD) coverage is up to age 70 only and accidental death benefits are only applicable from age 18 until before age 70.
• Parent Accidental Death is only applicable for person covered entry age 14 days old to 17 years old only. Other terms & conditions apply.
[AIA – INTERNAL]
What about your
Assets or Estates?
[AIA – INTERNAL]
Protect A-Life Legasi Beyond
Well A Lasting Legacy Begins With

Wealth Distribution in Islam
PROTECT Asset Distribution Estate Distribution

WELL Can be made when Regulated under Faraid after
You are still alive you pass away
• Hibah (Gift) • Faraid

• Wasiat
• Waqf Will require
Lighten the
• Trust (Amanah) Estate Administration Cost
financial burden to manage the estate
of your loved ones
[AIA – INTERNAL]
Why Malaysian find it is

RM90b harta beku hard to manage their estate
PROTECT tidak dituntut
WELL ESTATE ADMINISTRATION FEE STRUCTURE
Most Malaysian do not
have enough knowledge in 5% for the 1st RM25,000
the Estate Management
for the next remaining balance up to
4%
RM225,000
The cost for the Estate
Management is high for the next remaining balance up to
Lighten the 3%
financial burden RM250,000
of your loved ones for the next remaining balance up to
The process can be 2%
RM500,000
complicated especially
when they did not 1% for any remaining balance
plan it well
18 AIA confidential and proprietary information. Not for distribution. Source: Estate Administration FAQ - AmanahRaya
[AIA – INTERNAL]
Estate Management Benefit

Lighten the Financial Burden of Your Loved Ones
PROTECT
WELL
Estate
Management
Benefit
To assist your family with
Lighten the
estate administration cost
financial burden
of your loved ones
Coverage Amount Coverage Amount
less than RM500k RM500k and above
RM 15,000 RM 50,000
[AIA – INTERNAL]
How can you get MORE
protection & rewards?
[AIA – INTERNAL]
Be a member
#1 GET ADDITIONAL PROTECTION UP TO
LIVE 20% BASIC SUM COVERED

WELL as Vitality Booster
Vitality Booster % of Basic Sum Covered (BSC)
AIA Vitality Status Platinum Gold Silver Bronze
Vitality Booster Percentage
(VBP) for Claims Event
20% 10% 2% 0%
• Example – MNS, 40 • Basic Sum Covered – RM500K • Contribution Term – 20 Pay • Coverage Term – Age 70
Build a better
Legacy by staying Vitality Booster (RM) +RM100,000 +RM50,000 +RM10,000 RM0
healthy with
Claim event is upon termination of Takaful certificate due to claims
upon death or upon 100% payment of TPD benefit, whichever occurs first.
The Vitality Booster will NOT be payable upon lapse or surrender of the Takaful certificate.
Note : If the Basic Sum Covered is subsequently changed, the initial Basic Sum Covered or the current Basic Sum Covered, whichever is lower shall be used in
determining the Vitality Booster payable.
[AIA – INTERNAL]
Be a member
#2 GET ADDITIONAL MATURITY VALUE UP TO
10% BASIC SUM COVERED
LIVE as Vitality Booster
WELL
Vitality Booster % of Basic Sum Covered (BSC)
VBP for Maturity
(to be accumulated)
+2% +1% 0% 0%
• Example – MNS, 40 • Basic Sum Covered – RM500K Contribution Term – 20 Pay • Coverage Term – Age 70
Build a better End of Year 1 2% 1% 0% 0%

Legacy by staying End of Year 2 4% 2% 0% 0%
healthy with End of Year 3 6% 3% 0% 0%
….End of Year 30 / Age 70 10% 10% 0% 0%
Vitality Booster (RM) RM50,000 RM50,000 RM0 RM0
Vitality Booster payable upon maturity is subject to a maximum of 10% of Basic Sum Covered
22 AIA confidential and proprietary information. Not for distribution. and the condition that all contributions are paid on time and up-to-date
Note : If the Basic Sum Covered is subsequently changed, the initial Basic Sum Covered or the current Basic Sum Covered, whichever is lower shall be used in
[AIA – INTERNAL]
determining the Vitality Booster payable.
Get rewarded when you save more

PLAN and stay financially disciplined.
WELL
Legasi Booster
Rewards you
more Legasi Rewards
when you stay
financially
disciplined
[AIA – INTERNAL]
Legasi Rewards
Higher protection and longer coverage term
provide you with MORE rewards provided that:
PLAN
Contributions up-to-date
WELL No withdrawals from PA Certificate is still in-force
Legasi Rewards shall be credited into the

Protection Account (PA) at the end of certificate year: 10
th 20th 30th 40th
At the end of COVERAGE TERM UP TO AGE 70 COVERAGE TERM UP TO AGE 80
the Nth
% of BSC % of BSC
Rewards you Certificate
Year BSC < RM500,000 BSC ≥ RM500,000 BSC < RM500,000 BSC ≥ RM500,000
more
when you stay 10 0.25% 0.50% 0.50% 1.00%
financially 20 2.00% 4.00% 4.00% 8.00%
disciplined 30 2.00% 4.00% 4.00% 8.00%
40 Not Applicable Not Applicable 4.00% 8.00%
Note:
• Legasi Rewards is not be applicable after the coverage term of the certificate of age 70 or Age 80.
• If the Basic Sum Covered is subsequently changed, the Legasi Rewards payable shall be pro-rated accordingly.
[AIA – INTERNAL]
Legasi Booster
Higher protection and longer coverage term
provide you with MORE rewards upon Maturity provided that:
PLAN
Contributions up-to-date
WELL No withdrawals from PA Certificate is still in-force
Payable to the at the end of the End of Age 70 End of Age 80

coverage term of:
COVERAGE TERM UP TO AGE 70 COVERAGE TERM UP TO AGE 80
Rewards you % of BSC
more
BSC < RM500,000 BSC ≥ RM500,000 BSC < RM500,000 BSC ≥ RM500,000
when you stay
financially 4.00% 8.00% 8.00% 16.00%
disciplined
Notes:
• With Auto-extension Coverage Term: Legasi Booster shall be payable into Protection Account at the end of coverage term of the certificate of age 70 or Age
80.
• Auto-extension Coverage Term withdrawn: Legasi Booster shall be payable to customers at the end of coverage term of the certificate of age 70 or Age 80.
• If the Basic Sum Covered is subsequently changed, the Legasi Booster payable shall be pro-rated accordingly.
[AIA – INTERNAL]
Legasi Rewards & Legasi Booster

Rewards you for staying financially disciplined
PLAN Legasi Rewards Legasi Rewards

WELL EN. AHMAD
Certificate Year
(% of BSC) (RM)
AGE: 40 10th Year 0.50% 2,500
NON-SMOKER
20th Year 4.00% 20,000
MEMBER
30th Year 4.00% 20,000
Basic Sum Covered (BSC):
RM 500,000 Legasi Booster Legasi Booster
Certificate Year
Rewards you Protection: Up to age 70 (% of BSC) (RM)
more Contribution Term: 20 Pay Age 70 8.00% 40,000
when you stay Monthly Contribution:
financially RM400 (RM4,800 annually)
ILP Fund : 100% A-Dana
TOTAL 16.50% 82,500
disciplined Note : The Legasi Rewards and Legasi Booster example above is based on
Strategic Dynamic
RM500,000
26
[AIA – INTERNAL]
Find the right combination of contribution

payment and coverage terms to suit your needs
PLAN You decide your contribution payment term
WELL and how long you would like to be covered.
Your coverage will be AUTOMATICALLY EXTENDED to age 100
CONTRIBUTION AUTOMATIC
COVERAGE TERM
PAYMENT TERM EXTENSION
UPDATED!
6 Pay
Flexibility to suit NEW!
your financial Up to Age 70 With automatic
10 Pay
needs extension of
Up to Age 80 coverage term
20 Pay
up to Age 100
Full Pay
[AIA – INTERNAL]
Automatic Extension of Coverage Term

Your basic coverage will continue up to age 100* of the Person Covered
and the optional rider up to the respective maximum coverage age
PLAN
WELL 30 70 100
Regular or ad-hoc top-ups would be recommended in the annual statement for
consideration to improve certificate sustainability up to age 100
Up to Age 70 Up to Age 80
A-Life Legasi Beyond Age 70 Age 100 Age 80 Age 100
Estate Management Benefit Age 70 Age 100 Age 80 Age 100
A-Plus Infaq Age 70 Age 100 Age 80 Age 100
Flexibility to suit A-Plus Waiver-i End of Contribution End of Contribution
your financial A-Plus ParentWaiver-i Payment Term Payment Term
needs Not Applicable for Auto Not Applicable for Auto
A-Plus Saver-i
Extension of Coverage Term Extension of Coverage Term
You may notify the Company in advance to withdraw the Automatic Extension of Coverage Term before reaching the end of the
coverage term. Please note that if you choose to withdraw the Automatic Extension of Coverage Term, the basic plan and all
attaching riders (if applicable) shall expire at the coverage term.
Note: *Subject to the sufficiency of the account value to cover for all the certificate charges. Any TPD and Accidental coverage is up to age 70 only.
[AIA – INTERNAL]
What will happen to your rewards during the

Automatic Extension of Coverage Term Period?
PLAN
WELL
ACCOUNT VALUE
Saving Protection
maintain in respective Account Account
accounts and not paid out
BOOSTER credit into the Protection Account

Flexibility to suit
your financial LEGASI BOOSTER credit into the Protection Account
needs
not applicable after the coverage term of the
LEGASI REWARDS certificate of age 70 or 80
[AIA – INTERNAL]
PLAN Flexibility to customize your contributions!

WELL
Enjoy the SAME coverage with a LOWER contribution
BSC: RM 500K Contribution Term: 20 Pay Coverage: Up to Age 70
Without A-Plus Legasi Enhancer
Flexibility to suit
RM 4,800 RM 0 RM4,800
your financial EN. AHMAD
needs AGE 40
With A-Plus Legasi Enhancer
NON-SMOKER
RM 3,020 RM 1,295
RM4,315
[AIA – INTERNAL]
Understanding Your Contributions

Regular contribution
Basic Contribution required based on
PLAN coverage amount
WELL A-Plus Legasi Regular contribution required for a Protection Account

more affordable contribution or
Enhancer excess due to SCM
Sum Covered Multiple (SCM) - the minimum amount of sum covered that must be provided for a given level of takaful contribution relating to takaful
coverage
Optional regular top-up to

A-Plus Saver-i increase
savings amount
Optional Ad-hoc top-up
to increase
Savings Account
Ad-Hoc Top-up savings amount
Flexibility to suit
your financial
needs
[AIA – INTERNAL]
Access to the BEST of

Local and Foreign Investment Funds
PLAN You decide how your contribution be invested with
WELL
diversified investment opportunities
A-Dana Strategic Equity
HSBC Islamic Global Equity Index Fund
50% 50%
A-Dana Equity LOCAL GLOBAL
Flexibility to suit EXPOSURE EXPOSURE A-Dana Strategic Dynamic
your financial Affin Hwang AIIMAN Global
needs A-Dana Income Thematic Mixed Asset Fund
A-Dana Balanced 100%

[AIA – INTERNAL]
A-Dana Strategic Dynamic

Underlying Fund
Affin Hwang AIIMAN Global Thematic Mixed Asset Fund – USD
PLAN
WELL
Dynamic Asset Allocation 100% Global Investment Adviser

30%-80% Equities Shariah-Compliant Fund Schroders
20%-60% Sukuk Fund Manager
0-20% Others Affin Hwang Asset
Flexibility to suit Management
your financial
needs Actively switches assets Invest in the best Managed by award-
allocation according to available assets winning multi-asset
market situation and equities team
[AIA – INTERNAL]
Flexibility to build up your protection

Enhance your protection needs with our additional riders
PROTECT
WELL
A-Plus Waiver-i A-Plus ParentWaiver-i
Waives the regular contribution* of your
Waives the regular contribution* upon child’s plan until age 25, upon your
diagnosis of one of the 44 covered CI deceased, TPD or upon diagnosis of one of
the 44 covered CI
*Regular contribution includes A-Plus Legasi Enhancer and A-Plus Saver-i, if any
Flexibility to build A-Plus Saver-i

A-Plus Infaq
up your Infaq Grow your savings by allocating
protection needs Share the takaful benefit contribution to increase your
to those in needs account value in Savings Account
[AIA – INTERNAL]
PLAN WELL LIVE WELL PROTECT WELL
Rewards you more when you stay Hassle-free distribution

financially disciplined with Hibah Takaful
❖ Up to 600% BSC Protection
❖ Legasi Rewards, ❖ Parent Accidental Death -
up to 25% of BSC additional 100% BSC
❖ Legasi Booster, Build a better Legacy by
up to 16% of BSC staying healthy with Lighten the financial burden of
your loved ones
Flexibility to suit your ❖ Estate Management Benefit,
financial needs Vitality Booster, up to RM50,000
❖ Multiple Contribution Payment • up to 20% of BSC upon claim
• up to 10% of BSC upon maturity
Term
❖ Flexibility to customize your Flexibility to build up your
contributions and enhancer protection needs
amount • A-Plus Waiver-i
• A-Plus ParentWaiver-i
❖ Auto-Extension feature • A-Plus Infaq
❖ 5 Investments Funds • A-Plus Saver-i
HEALTHIER, LONGER, BETTER LIVES

35 AIA confidential and proprietary information. Not for distribution. With our Total Wealth Solution
[AIA – INTERNAL]
Plan Summary
Coverage Payment Coverage Optional

Entry Age
Term Term Amount Riders
Minimum:
• Age 70 • 6 years Minimum: • A-Plus Waiver-i
RM350,000
• Age 80 • 10 years 14 days • A-Plus
Maximum:
• 20 years Maximum: ParentWaiver-i
With automatic Subject to
• Full Pay 70 years • A-Plus Infaq
extension of underwriting,
• A-Plus Saver-i
coverage term with NML limit
up to Age 100 up to 4 mil
(5 mil for MDRT,
COT, TOT)
[AIA – INTERNAL]
A-Life Legasi
Beyond
Launching
8 August 2022
A-Life Legasi Builder

withdrawal
1st September 2022
Last Submission Date

31st August 2022
[AIA – INTERNAL]
How this plan
works?
[AIA – INTERNAL]
MORE PROTECTION WITH
PROTECTION A-LIFE LEGASI BEYOND
Ensuring Ensuring Smooth Rewarding
Peace of Mind Estate Distribution Healthy Lifestyle
EN. AHMAD Continuity of Life Estate Distribution Securing More For

Safeguard Financial Estate Loved Ones by
AGE: 40
Future of Loved Ones Administration Cost Staying Healthy
NON-SMOKER
MEMBER
Platinum Status
RM 500,000 Estate Management Additional
Hibah Takaful
Protection: Up to age 70 Benefit Protection up to
RM500,000 RM50,000
Contribution Term: 20 Pay
Monthly Contribution:
RM100,000 (20%)
RM400 (RM4,800 annually)
ILP Fund : 100% A-Dana Total Payout up to RM650,000
Strategic Dynamic
39
[AIA – INTERNAL]
LASTING LEGACY UP TO AGE 100
REWARDS A-LIFE LEGASI BEYOND
Maturity Value @ Age70

inclusive Legasi Rewards
HIGH Automatic
RM46,300 MATURITY Extension of
VALUE!
EN. AHMAD
AGE: 40 Legasi Booster Coverage Term
NON-SMOKER
MEMBER
RM 40,000 Supporting up to Age 100*
Platinum Status
Basic Sum Covered (BSC): Vitality Booster
RM 500,000 RM 50,000 The maturity value will be used to
Protection: Up to age 70 sustain the certificate after age 70.
Contribution Term: 20 Pay Total Maturity Value Additional top-ups may be recommended to
improve certificate sustainability up to age 100.
Monthly Contribution:
RM400 (RM4,800 annually)
RM 136,300
(High Scenario @ 5% Projection Rate)
Strategic Dynamic Note: *Subject to the sufficiency of the account value to cover all the certificate charges. TPD and Accidental coverage is up to age 70 only.
40
[AIA – INTERNAL]
COMPARISON
[AIA – INTERNAL]
A-LIFE LEGASI BEYOND A-Life Legasi Builder Company P Company G
600% 600%
Up to Up to Up to Up to
Protection 400% 400%
Estate Up to Up to
RM3,000 RM2,000
RM50,000
Management (Khairat (Khairat
Benefit RM20,000 Kematian) Kematian)
Up to Up to 4% Annual Basic
8%
Legasi Basic Sum Contribution yearly from
Rewards Covered year 5 or 10
Nil Nil
Payable at 10, 20 ,30 and 40 year Up to 400% Annual Basic
Contribution @Year 20
Legasi/ Up to
Up to 30% Account Value
16%
Maturity Basic Sum Nil Nil
in PAF
Booster Covered
40 MNS | Up to Age 70
20 Pay | BSC RM500,000
Annual Contribution RM 4,800 RM 4,800 RM 4,404 RM 5,910
RM520,000 +
Total Death Payout Up to RM650,000 RM 503,000 RM502,000
RM50,000 (initial Vitality Booster)
Maturity Value
42
(High Scenario, 100% A-Dana RM 86,300
RM 55,500 RM 0 RM 34,426
Strategic Dynamic)
[AIA – INTERNAL] + up to RM50,000 (Vitality Booster)
A-LIFE LEGASI BEYOND AND COMPANY P
LASTING Competitive Report Card
against Company P
LEGACY ➢ Contribution (10% higher
ANNUAL 4,800 but can be reduced)
✓ Higher Protection
CONTRIBUTION 4,404 ✓ Higher Maturity Value
✓ Support Auto Extension
1x DEATH
PAYOUT
550,000 + up to 100,000
503,000
1x
EN. AHMAD
TPD 500,000 + up to 100,000
AGE: 40
PAYOUT 500,000
NON-SMOKER
MEMBER
ACCIDENTAL
2x
Platinum Status
Basic Sum Covered (BSC): 1,050,000 + up to 100,000
DEATH
RM 500,000 PAYOUT 1,003,000
Protection: Up to age 70
Contribution Term: 20 Pay + up to 50,000 Supports
86,300
Monthly Contribution: MATURITY Auto Extension
RM400 (RM4,800 annually) VALUE 0 (zero) No account value to support Auto Extension

Strategic Dynamic A-Life Legasi Beyond More Protection with
43 Company P
[AIA – INTERNAL]
A-LIFE LEGASI BEYOND AND COMPANY G
HOLISTIC Competitive Report Card
against Company G
PLAN 4,800 ✓ Contribution Lower
ANNUAL ✓ Higher Protection
✓
CONTRIBUTION 5,910 ✓
Higher Maturity Value
Support Auto Extension
1x DEATH
PAYOUT
550,000 + up to 100,000
502,000
1x
EN. AHMAD
TPD 500,000 + up to 100,000
AGE: 40
PAYOUT 500,000
NON-SMOKER
MEMBER
2x
Platinum Status ACCIDENTAL 1,050,000 + up to 100,000
DEATH
RM 500,000 PAYOUT 1,002,000
Protection: Up to age 70
Contribution Term: 20 Pay 86,300 + up to 50,000 Supports
Monthly Contribution: MATURITY Auto Extension
RM400 (RM4,800 annually) VALUE 34,426
Strategic Dynamic A-Life Legasi Beyond More Protection with
44 Company G
[AIA – INTERNAL]
Understanding ILP
Product Illustration
AIA
45 confidential
AIA confidential
and proprietary
and proprietary
information.
information.
[AIA – INTERNAL]
Product Illustration Guide
Participant and Person

Covered information
ILP Fund(s) selection
[AIA – INTERNAL]
Highlighting the benefits

and risk of a Takaful
Investment-Linked Plan
Shows how the

contribution is being
used.
[AIA – INTERNAL]
Summary of the Basic
plan and unit-deducting
riders participated
Current Selection :
Shows the current
contribution amount
n which would be able to
sustain the certificate
until age 70.
Alternative 1 :
Shows the contribution
amount payable which
would be able to sustain
the certificate until age
100 under auto
extension.
[AIA – INTERNAL]
Product Illustration Guide Protection Account + Savings Account Illustration
Total Contribution Paid;

Account Value Projection Death Benefit +
Basic, A-Plus Legasi Enhancer
under projection rate of 2% Estate Management
and A-Plus Saver-i
for Scn X and 5% for Scn Y. Benefit
• Maturity Value + Legasi Booster under scenario X and

Y excluding any Vitality Benefits
• If “0” is shown means the certificate has lapse before
maturity based on projected illustration rate of 2% for
Scn X and 5% for Scn Y.
[AIA – INTERNAL]
Product Illustration Guide Protection Account Illustration
Basic and A-Plus Legasi Enhancer Legasi Rewards Credited into

Contribution Protection Account
[AIA – INTERNAL]
Product Illustration Guide Savings Account Illustration
A-Plus Saver-i Contribution
[AIA – INTERNAL]
Vitality Booster Illustration for AIA Vitality Member only
Vitality Booster payable upon claims
Total Maturity Value including Vitality Booster under different

AIA Vitality Status
[AIA – INTERNAL]
Participants & Life Planner

Acknowledgement
Page
[AIA – INTERNAL]
iPoS
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
[AIA – INTERNAL]
IPOS
Select A-Life Legasi

Beyond
[AIA – INTERNAL]
IPOS
Select “YES” to participate
in AIA Vitality Programme.
Enter Basic Sum Covered

Amount and Coverage Term
Select Contribution Payment Term

and Mode of Payment
[AIA – INTERNAL]
IPOS
• Select you your desired

investment fund
• Investment fund allocation must
be in multiple of 5%
• Total investment fund allocation
must be equal to 100%
[AIA – INTERNAL]
IPOS
Option to attach rider(s)
[AIA – INTERNAL]
IPOS
Fill in the desired Basic
Contribution and A-Plus Legasi
Enhancer amount.
• An error message will appear if
the contribution is not
sustainable for the chosen plan.
• As such you may need to
increase Contribution and / or
A-Plus Legasi Enhancer
Optional to include A-Plus Saver-I

contribution
[AIA – INTERNAL]
IPOS
[AIA – INTERNAL]
Appendix
[AIA61
– INTERNAL]
DIFFERENCES BETWEEN A-LIFE LEGASI BUILDER AND A-LIFE LEGASI BEYOND
A-Life Legasi Builder A-Life Legasi Beyond
RM 350,000 Min. Sum Covered
Death/TPD No Change
Applicable up to 6x ADB
Accidental Death Benefits
5 / 10 / 20 / Full Payment Term (years) 6 / 10 / 20 / Full
Up to age 70, 80 Coverage Term (years) Up to age 70, 80

with Automatic Extension of Coverage Term
Ordinary Family Takaful Plan (Non-Linked) Investment-Linked Takaful Plan

- Basic Contribution and A-Plus Legasi Enhancer will be
- Basic Contribution and A-Plus Legasi Enhancer will
Product Type allocated to Protection Account. Optional A-Plus Saver-i and
be allocated to Participant’s Account Fund. Ad-hoc top-up will be allocated into Savings Account.
- Optional A-Plus Saver-i and Ad-hoc top-up will be - Contribution from both Protection and Savings Account will
allocated into Participant‘s Investment Fund. be allocated into ILP funds selected by the participants
according to their risk appetite
Legasi Rewards payable yearly from year 5/10 Legasi Rewards Simplified to bring you more value with
Legasi Booster at Year 20 Legasi Booster Legasi Rewards with 1st payment at Year 10.
Maturity Booster upon maturity Maturity Booster Legasi Booster upon maturity
Up to RM20,000 Estate Management Benefit Up to RM50,000
Vitality Booster Percentage flexes (increase /

Vitality Booster Simplified Vitality Booster to provide better value
maintain /decrease) with AIA Vitality Status
A-Pus Critical Shield-i, A-Beyond Critical Shield-i, A- A-Plus Infaq, A-Plus Waiver-i,
62 Plus
AIA Infaq,andA-Plus
confidential proprietaryWaiver,
information. A-Plus ParentWaiver-i
Not for distribution. Riders A-Plus ParentWaiver-i
[AIA – INTERNAL]
A-Plus Saver-i A-Plus Saver-i
A-Life Legasi Beyond (Basic Feature)
Item Description
Product Type Regular Contribution Investment-linked takaful product which covers death, Total and Permanent Disability
(TPD) and accidental benefits.
Contribution Term Option 6 years, 10 years, 20 years or Full Pay (pay until the end of the coverage term)
Coverage Term Options for coverage term up to age 70, 80 (subject to minimum certificate term of 10 years) with Auto
Extension of Coverage Term feature up to Age 100.
Entry Age • Person Covered:
Contribution Payment Term
Coverage Term
6 or 10 years 20 years and Full Pay
Up to age 70 14 days to 60 years old 14 days to 50 years old
Up to age 80 14 days to 70 years old 14 days to 60 years old
• Participant: Minimum: 18 years old

Maximum: No Limit
Sum Covered • Minimum: RM350,000 (in multiple of RM10,000)

• Maximum: Subject to underwriting
Minimum Contribution • Minimum Annual Contribution is RM1,200

• Minimum Annual Contribution + A-Plus Legasi Enhancer is RM1,800
[AIA – INTERNAL]
A-Life Legasi Beyond (Basic Feature)
Item Description
Contribution Payment Term Option of 6 years, 10 years, 20 years and full contribution paying term (applicable to A-Plus Saver-i as well)
Takaful Funds Available • Participant’s Investment Fund – Protection Account for allocation of Basic, A-Plus Legasi Enhancer
Contribution, Legasi Rewards, Legasi Booster and Vitality Booster (if applicable).
• Participant’s Investment Fund – Savings Account for A-Plus Saver-i and Ad hoc Top up, if any.
• Participant’s Risk Fund (PRF).
Optional Riders Available • A-Plus Waiver-i

• A-Plus Parent Waiver-i
• A-Plus Infaq
• A-Plus Saver-i
[AIA – INTERNAL]
A-Life Legasi Beyond (Benefit)
Item Description
Death/TPD Benefit* 100% of Basic Sum Covered or Account Value in Protection Account, whichever is higher.
Accidental Death or Death 200% of Basic Sum Covered or Account Value in Protection Account, whichever is higher.
during Hajj/Umrah*
Accidental Death due to Public 300% of Basic Sum Covered or Account Value in Protection Account, whichever is higher.
Conveyance*
Accidental Death due to 600% of Basic Sum Covered or Account Value in Protection Account, whichever is higher.
Natural Disaster*
Estate Management Benefit To assist family with the cost to manage estate distribution, upon death of the person covered, we will pay the
following amount
BSC < 500,000 BSC ≥ 500,000
Additional RM15,000 Additional RM50,000
This benefit is an additional benefit payable upon death of the person covered.
Parent Accidental Death • Upon death of the Participant prior to age of 70 (Participant’s Age) due to accidental causes, additional
(for Juvenile) 100% of Sum Covered will be payable into Savings Account.
• This coverage is only applicable for child certificate with an entry age of 14 days to 17 years old. The
coverage would be up to age 25 years old of the Person Covered and can only be claimed once per
certificate.
*Only one of the benefits shall be paid together with any account value in the Savings Account.
[AIA – INTERNAL]
Terms and Conditions for Death During Hajj/Umrah
& Accidental Death due to Natural Disaster
2x
Subject to the following conditions:
• The cover period will be the actual length of the trip up to a maximum of forty-five (45) days for Hajj and
fifteen (15) days for Umrah.
• The coverage starts when the Person Covered enters the international border when travelling to Saudi
Arabia until the Person Covered exits the international border at the destination where the Person
Covered departs from Saudi Arabia.
• International border represents the border limit where the Person Covered crosses the Malaysian
Death during
Immigration Passport check when travelling to Saudi Arabia or from Saudi Arabia.
Hajj/Umrah
• This benefit will be provided solely for Hajj/Umrah only. It does not provide coverage during visits or
travels, if the Person Covered performs visits or travels outside of Saudi Arabia during the Hajj/Umrah
period.
• This benefit is only applicable for Muslim Person Covered.
6x
• “Natural Disaster” means a storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood,
volcanic eruption, wildfire or other similar event that is due to natural causes and results in such severe
and widespread damage that the area of damage is officially declared a disaster area by a state or federal
government if the event occurs in Malaysia, or by a corresponding authority if the event occurs outside of
Malaysia.
• This benefit is payable up to RM12mil per life (applicable for natural disaster only).
Accidental Death
Benefit Natural
Disaster
[AIA – INTERNAL]
Item Description
Legasi Rewards Legasi Rewards will be credited into the Protection Account.
At the end of COVERAGE TERM UP TO AGE 70 COVERAGE TERM UP TO AGE 80

the Nth % of Basic Sum Covered (BSC)
Certificate Year
10 0.25% 0.50% 0.50% 1.00%
20 2.00% 4.00% 4.00% 8.00%
30 2.00% 4.00% 4.00% 8.00%
40 Not Applicable Not Applicable 4.00% 8.00%
Legasi Booster Depending on the chosen coverage term either Age 70 or Age 80, Legasi Booster will be payable at Age 70 or Age 80.
COVERAGE TERM UP TO AGE 70 COVERAGE TERM UP TO AGE 80
% of BSC
4.00% 8.00% 8.00% 16.00%
• With Auto-extension Coverage Term: Legasi Booster shall be payable into the Protection Account at the end of
coverage term of the certificate of age 70 or Age 80.
• Auto-extension Coverage Term withdrawn: Legasi Booster shall be payable to customers at the end of coverage
term of the certificate of age 70 or Age 80.
[AIA – INTERNAL]
Item Description
Notes on Legasi Legasi Rewards and Legasi Booster are payable subject to the following conditions:
Rewards and Legasi • No withdrawals are made from Protection Account
Booster • Contribution is paid up to date; and
• Certificate is in-force at the time of payment.
“Basic Sum Covered (BSC)” basis for Legasi Rewards and Legasi Booster
The Basic Sum Covered (BSC) is the amount of Takaful coverage of the Basis Certificate when it is issued. If the Basic
Sum Covered is subsequently changed, the amount after such alteration will become the Basic Sum Covered and the
Legasi Rewards and Legasi Booster payable shall be pro-rated accordingly.
[AIA – INTERNAL]
Item Description
Maturity Benefit 100% of Account Value in both Protection Account and Savings will be payable upon maturity. Thereafter, the certificate
shall terminate.
Vitality Booster • Upon termination of certificate due to death or TPD claim, the Vitality Booster payable is determined by multiplying
Vitality Booster Percentage with the Basic Sum Covered. The Vitality Booster Percentage will be different based on the
Person Covered’s AIA Vitality status.
Vitality Booster Percentage for Claims 20.0% 10.0% 2.0% 0.0%
• At the end of the coverage term (Age 70 or Age 80), the Vitality Booster payable is determined by multiplying the
accumulated Vitality Booster Percentage with the Basic Sum Covered. The Vitality Booster payable at the end of
coverage term is subject to a maximum of 10% of Basic Sum Covered and the condition that contributions are paid up
to date.
• Accumulated Vitality Booster Percentage - If the certificate remains in force at the end of each Vitality Booster
Anniversary, the Vitality Booster Percentage in the respective year will be accumulated and will be used to determine
the amount of Vitality Booster payable at the end of coverage term.
Vitality Booster Percentage for Maturity (to
2.0% 1.0% 0.0% 0.0%
be accumulated)
“Basic Sum Covered (BSC)” basis for Vitality Booster

The Basic Sum Covered (BSC) is the amount of Takaful coverage of the Basis Certificate when it is issued. If the Basic
Sum Covered is subsequently changed, the initial Basic Sum Covered or the current Basic Sum Covered, whichever is
lower shall be used in determining the Vitality Booster payable upon claims and maturity.
[AIA – INTERNAL]
A-Dana Strategic Dynamic – Fund Details
INVESTMENT The Fund seeks long-term total return (combination of capital growth and income) through a portfolio of Shariah-
OBJECTIVES compliant investments across global markets and asset classes. The Fund adopts a dynamic and flexible asset
allocation to mitigate downside risk. The Fund will aim to achieve a target net return of 6% per annum over the long term.
INVESTMENT This Fund is a Feeder Fund. The Fund through the Underlying Fund seeks to achieve its investment objective by
STRATEGY & obtaining exposure to a broad range of Shariah-compliant asset classes, which may include equity, sukuk, gold, money
APPROACH market instruments and cash.
The Underlying Fund adopts a thematic approach in its equity securities selection. The Underlying Fund seeks to invest
in companies that it believes will enjoy superior growth through their exposure to a number of investment themes which it
believes to be powerful and durable and where these growth prospects are not fully reflected in market expectations.
These investment themes may include, but may not be limited to, disruption, healthcare innovation, smart manufacturing,
changing lifestyles, urbanisation and themes relating to climate, the energy transition and sustainability. The Underlying
Fund combines a top-down and bottom-up investment approach to identify sukuk investment opportunities.
In order to achieve a stable return profile and downside risk management, the Underlying Fund will also adopt a dynamic
asset allocation approach that involves adjusting the Underlying Fund’s allocation to various asset classes according to
prevailing market conditions.
The Fund’s indirect exposure to these asset classes will be achieved through investments in units of the Underlying
Fund.
Underlying Fund: Affin Hwang AIIMAN Global Thematic Mixed Asset Fund*
* Schroders provide the equity & asset allocation investment advisory service to this fund.
70 Note: A feeder
AIA confidential fundinformation.
and proprietary here refers to the pooling of the participant’s investment into ADSD and invest into the Underlying Fund.
[AIA70
– INTERNAL]
A-Dana Strategic Dynamic – Fund Details
UNDERLYING Affin Hwang AIIMAN Global Thematic Mixed Asset Fund – TARGET Those seeking stable, long-term total
FUND USD MARKET return
Fund Manager: Affin Hwang Asset Management RISK LEVEL Moderate

(Schroders provide the equity & asset allocation investment CURRENCY Ringgit Malaysia (RM)
advisory service to this fund) DENOMINATION
PERFORMANCE 65% Dow Jones Islamic Market World Total Return Index + FUND 1.50% per annum of the Fund’s NAV
BENCHMARK 35% Dow Jones Sukuk Index MANAGEMENT
CHARGE
ASSET Underlying Asset Max Benchmark Min
ALLOCATION Class Weight Weight Weight BASIS OF UNIT NAV
Shariah-compliant VALUATION
80% 65% 30%
Equities
FREQUENCY OF Daily
Shariah-compliant
60% 35% 20% UNIT
Fixed Income
VALUATION
Cash and Cash
20% 0% 0%
Equivalent (Islamic)
Collective Investment
20% 0% 0%
Schemes (Islamic)
Structured Products
10% 0% 0%
(Islamic)
Total 100%
The Tactical Asset Allocation process will determine the final
asset allocation.
[AIA71
– INTERNAL]
A-Dana Strategic Dynamic – Fund Risk
Risk Description
Market Risk Market risk refers to the risk of a portfolio falling in value due to changes in underlying market risk factors. Examples of
market risk factor are interest rates, foreign exchange rates, natural disaster, political turmoil and terrorist attacks. The
value of investments may fall over a given time period due to changes in the economic climate or other events directly
affecting the market. Careful allocation and diversification of assets can protect against market risk because different
segments of the market tend to be not perfectly correlated. In an investment-linked fund, this risk is managed via active
asset allocation between cash and risky assets that are exposed to market risk.
Liquidity Risk Liquidity risk is the risk that a given security or asset cannot be traded quickly enough in the market to prevent a loss. It
arises in situations where an asset cannot be traded due to lack of buyers/sellers in the market. This risk could be
managed by taking greater care in buying less illiquid Shariah-Compliant securities and diversification.
Profit Rate Risk Profit rate risk is the risk of fluctuating values of profit-bearing assets, such as a financing or a Sukuk, due to changes
in profit rates. In general, when profit rates rise, the price of Sukuk will fall. This risk can be managed by adopting active
durations management of the Islamic fixed-income securities held at a given time.
Particular Equities Risk Any major price fluctuations of a particular Shariah-Compliant equities invested by the fund may affect the NAV and
thus impact on the prices of units. The risk is managed by investing in a wide range of companies in different sectors.
Credit / Default Risk Credit/default risk is the risk of losses from non-repayment of an Islamic financing or other line of credit (either the
principal or profit or both). Default events include delay in repayments, restructuring of borrower repayments, and
bankruptcy. The risk is managed by investing in high quality Islamic fixed-income securities as these generally have a
lower degree of credit risk.
[AIA72
– INTERNAL]
A-Dana Strategic Dynamic – Fund Risk
Risk Description
Reclassification of Shariah This risk refers to a situation where Shariah-Compliant equities are reclassified as Shariah non-compliant in the
Status Risk periodic review by the Shariah Advisory Council (SAC) of the Securities Commission Malaysia or by the Shariah
Supervisory Board of the applicable index. The reclassification of securities as Shariah non-compliant may result in
the newly Shariah non-compliant securities to underperform its benchmark. This risk can be managed by disposing
Shariah compliant equities that are likely to be reclassified as Shariah non-compliant before the periodic review by
SAC of the Securities Commission Malaysia by the Shariah Supervisory Board of the applicable index.
Country Risk Country risk refers to the risk of investing in a country, that is subject to changes in the business/political
environment that may adversely affect operating profits or the value of assets in that country. Some factors affecting
Country Risk include financial factors such as currency controls, devaluation or regulatory changes, and events
affecting political stability i.e. political changes, mass riots and civil war. The risk is reduced by investing into
diversified markets.
Currency Risk Currency risk refers to the risk of changes in the exchange rate altering value of investments denominated in a
foreign currency. Whenever investors hold assets across national borders, they face currency risk if their positions
are not hedged. This risk is reduced by investing in assets denominated in a wide range of foreign currency
denominated assets.
Regulatory Risk The fund's ability to invest and/or fully implement the investments and/or pursue its investment objective and
strategy, would be subject to all applicable laws, rules and regulations in Malaysia, which may be subject to any
change from time to time. In the event the Government of Malaysia imposes any restrictions such as capital control
which restrict foreign investments and currency repatriation, the fund's ability to invest in foreign market will be
adversely affected. In such event, the fund's ability to achieve its investment objective could be negatively affected.
[AIA – INTERNAL]
Option to Increase Account Value
Item Description
A-Plus Saver-i Optional regular top-up to invest into Investment Linked Funds.
Ad Hoc Top Up • The Participant may contribute any ad-hoc top-up contribution at any time with a minimum amount of
RM5,000. There is no maximum amount and the frequency for ad-hoc top-up.
• The Ad Hoc Top Up contribution paid will be placed into Savings Account.
• The Ad Hoc Top Up will not increase the Basic Sum Covered and can only be made after the certificate is
set inforce.
Add / Deletion of A-Plus • Addition and deletion of A-Plus Saver-i is allowable at any time will be effective in the next contribution due
Saver-i date.
Minimum Maximum
Amount RM10/month or RM120/year No maximum
Term The saver term will follow basic contribution payment term
Note:
• The fund direction for A-Plus Saver-i will follow the fund direction of Basic Plan Contribution.
[AIA – INTERNAL]
Contribution Information
Item Description
Contribution Payment Mode Payment Mode Multiply Annual Contribution by
and Modal Factor
Annual 1.0000
Semi-annual 0.5000
Quarterly 0.2500
Monthly 0.0833
Contribution Payment Method Cash, cheque, credit card and auto debit
Tabarru’ Rate Guarantee Tabarru’ rate are not guaranteed and the Takaful Operator reserves the right to revise the contribution and the
Tabarru’ rate by giving the Participant three (3) months written notice prior to certificate anniversary.
Tabarru’ Rate Structure Different rates for gender and smoking status
Contribution Holiday • Applicable.
• If contribution is not received at the expiration of the late payment period, the basic certificate and riders will
automatically continue, provided that the account value is sufficient to cover all certificate charges including the
Tabarru’ of the riders attached to the basic certificate. In the event that any remaining balance of the account
value is insufficient to cover the relevant certificate charges, the remaining account value will be utilized
completely for the final month coverage, and the insufficient amount will be considered as an outstanding debt
under the certificate.
• Any payment of contribution within this period will be subject to the contribution allocation. The applicable
contribution allocation will be determined retrospectively to the applicable certificate year as determined by the
AIA PUBLIC Takaful.
• Cross subsidy between Protection Account and Savings Account is allowed.
[AIA – INTERNAL]
Underwriting Information
Item Description
Underwriting Requirement Full underwriting
Non-med limit: Up to RM 4 million (RM5 million for MDRT, COT and TOT)
Medical Loading & Occupation May be imposed on Tabarru’ and contribution for sub-standard life.
loading
Waiting Period for Basic Plan, Not applicable. Please note that rider’s may have its’ respective waiting period.
Juvenile Lien If the Person Covered (child) has not attained the age of 4 years old at the time of death/TPD, the BSC and
Estate Management Benefit payable shall subject to the following juvenile lien rule:
Age (last birthday) at Percentage (%) of Basic Sum
Death/TPD of the Person Covered Covered Payable
0 20%
1 40%
2 60%
3 80%
4 100%
For further details, please refer to Underwriting Booklet
[AIA – INTERNAL]
Non Medical Limit
Ordinary Life Planner
Age band (Years)

0 - 15 16 - 50 51 - 60 61 - 65 66 - 70
Sum Assured / Covered (RM)
Up to 500,000
500,001 to 1,000,000 Non Medical Limit
M, BPA
1,000,001 to 2,000,000
M, BPA
2,000,001 to 3,000,000 PD
*maximum SA is up PD, BPA, ECG,
to RM4mn, subject PD, BPA, ECG, APS
3,000,001 to 4,000,000 to Company’s M, BPA
APS
approval
4,000,001 to 5,000,000 M, BPA M, BPA, ECG PD, BPA, TMx, APS

N.A PD, BPA, TMx, APS
5,000,001 and above
(* For TSA / TSC > RM15mn, to refer LAM)
Legend:
M Ordinary Medical Examiner APS Attending Physician’s Statement
PD Preferred Examiner ECG Resting Electrocardiogram
BPA AIA Blood Profile A TMX Treadmill (Stress Test)
LAM Large Amount Medical Requirement

[AIA – INTERNAL]
Non Medical Limit
Million Dollar Round Table (MDRT), Court of the Table (COT) & Top of the Table (TOT)
Age band (Years)

0 - 15 16 - 50 51 - 60 61 - 65 66 - 70
Sum Assured / Covered (RM)
Up to 750,000
750,001 to 1,500,000 Non Medical Limit
M, BPA
1,500,001 to 2,000,000
M, BPA
2,000,001 to 4,000,000 PD
*maximum SA is up PD, BPA, ECG,
to RM4mn, subject PD, BPA, ECG, APS
4,000,001 to 5,000,000 to Company’s M, BPA
APS
approval
5,000,001 to 6,000,000 M, BPA M, BPA, ECG PD, BPA, TMx, APS

N.A
6,000,001 and above PD, BPA, TMx, APS
Legend:
M Ordinary Medical Examiner APS Attending Physician’s Statement
PD Preferred Examiner ECG Resting Electrocardiogram
BPA AIA Blood Profile A TMX Treadmill (Stress Test)
LAM Large Amount Medical Requirement

[AIA – INTERNAL]
Non-Financial Limit
Item Description
Financial Underwriting –
Based on Sum Supreme MDRT, COT
All Life Planners Life Planners MDRT
Covered & TOT
Based on income
≤ 5,000,000 ≤ 5,500,000 ≤ 6,000,000
declaration
5,000,001 to 5,500,001 to 6,000,001 to
LAQ Part I & II
7,000,000 7,000,000 7,000,000
LAQ Part I & II and
> 7,000,000 > 7,000,000 > 7,000,000
Financial Evidence
[AIA – INTERNAL]
Servicing Information
Item Description
Change of Regular • Increase or reduce regular contribution is applicable.
Contribution • Regular contribution will not reduce automatically if there is decrease in Basic Sum Covered.
• The minimum contribution is RM1,800.
Change of Sum Covered Increase in Sum Covered

• Increase in sum covered is allowed at any time before the expiry date and it will be effective on the next
monthly anniversary date, subject to underwriting.
• Participant may need to pay the additional contribution from the last certificate anniversary until the current
paid to date.
Reduction in Sum Covered

• Reduction in sum covered is allowed at any time before the expiry date and it will be effective on the next
monthly anniversary date.
Change in Payment Mode / Applicable
Method
Change in Contribution Not applicable.
Payment Term
[AIA – INTERNAL]
Servicing Information (Cont.)
Item Description
Add / Deletion of Rider Addition of Rider
• Participant can attach rider at the next monthly anniversary date provided the remaining contribution payment term for
the basic certificate is at least 5 years, subject to underwriting and will be effective on the next monthly anniversary
date.
• Participant may need to pay the additional contribution from the last certificate anniversary of basic certificate until the
current paid to date.
Deletion of Rider
• Deletion of rider is allowed at any time before the expiry date and will be effective on the next monthly anniversary
date.
Reinstatement If Certificate has not been surrendered for its Account Value, the Certificate may be reinstated. This however has to be
within two (2) years from the date of lapse and it is also subject to the following:
1. A written application is made by the Participant to have his Certificate reinstated;
2. The Person Covered is within the allowable age limits as determined by AIA PUBLIC at the time of reinstatement;
3. The Person Covered has to produce evidence of permissible Takaful that is satisfactory to AIA PUBLIC;
4. Payment of all overdue Regular Contributions (excluding A-Plus Saver-i);
5. Payment of any indebtedness which AIA PUBLIC may require; and
6. Any other terms and conditions which AIA PUBLIC may impose at the material time.
Any reinstatement shall only cover loss or the covered event which occurs after the reinstatement date.
Fund Switching Fund switching is allowed.
[AIA – INTERNAL]
Item Description
Partial Withdrawal Partial withdrawal of the account value is allowed subject to minimum withdrawal amount of RM1,000 and the minimum
account value in Protection Account after withdrawal is RM10,000. Partial withdrawal will be in the following sequence:
• Account Value of Savings Account
• Account Value of Protection Account
Any withdrawal from Savings Account will not reduce the Sum Covered. However any partial withdrawal from
Protection Account may reduce the current Sum Covered amount depending on the sum at risk. Please note that
• Contribution amount payable remains the same
• Tabarru’ will be based on revised coverage
• The reduction of basic sum covered will reduce Basic, TPD and Parent Accidental sum covered, Legasi Rewards
and Legasi Booster.
Example A (No Change in Basic Sum Covered) Example B (Change in Basic Sum Covered)
Partial Withdrawal amount from SA only = RM 55,000 Partial Withdrawal amount SA + PA = RM 75,000
Before Partial Withdrawal: Before Partial Withdrawal:

Account Value in Savings Account (SA) = RM 60,000 Account Value in Savings Account = RM 60,000
Account Value in Protection Account (PA) = RM 100,000 Account Value in Protection Account = RM 100,000
Basic Sum Covered = RM 500,000 Basic Sum Covered = RM 500,000
After Partial Withdrawal: After Partial Withdrawal:

Account Value in SA = RM 60,000 – RM 55,000 Account Value in SA = RM 60,000 – RM 75,000
= RM 5,000 = RM 0 (balance RM 15,000 taken from PA)
Account Value in PA = RM 100,000 Account Value in PA = RM 100,000 – RM 15,000 = RM 85,000
Basic Sum Covered = RM 500,000 Basic Sum Covered = RM 500,000 – RM 15,000 = RM485,000
[AIA – INTERNAL]
Item Description
Partial Withdrawal • The Partial Withdrawal Charge will only be applicable to the amount withdrawn from Protection Account (excluding
Charge any account value from A-Plus Legasi Enhancer)
• Applicable for Certificate Year 1 and 2 only
Certificate Contribution Payment Term

Year
6 10 20 Full Pay
1 6.00% 10.00% 20.00% 20.00%
2 0.00% 5.00% 10.00% 10.00%
3 and above 0.00% 0.00% 0.00% 0.00%
Surrender Benefit The Participant may request to surrender the certificate for its Account Value in both Protection Account and Savings
Account by giving a written notice to the Takaful Operator.
Surrender Charge • The Surrender Charge will only be applicable to the amount surrendered amount from Protection Account
(excluding any account value from A-Plus Legasi Enhancer).
• Applicable for Certificate Year 1 and 2 only
Certificate Contribution Payment Term
Year
6 10 20 Full Pay
1 6.00% 10.00% 20.00% 20.00%
2 0.00% 5.00% 10.00% 10.00%
3 and above 0.00% 0.00% 0.00% 0.00%
[AIA – INTERNAL]
Fee and Charges Information
Item Description
Wakalah Fee The percentage of the basic contribution allocated towards Wakalah Fee is as follows:
Wakalah Fee (% of Certificate Year
Contribution) 1 2 3 4 5 6 7 8 9 10 +
6pay 24.00% 13.60% 8.10% 8.10% 4.70% 1.50% - - - -
10pay 40.00% 20.00% 12.50% 12.50% 7.50% 7.50% 0% 0% 0% 0%
20pay and Full Pay 40.00% 40.00% 40.00% 20.00% 20.00% 20.00% 5.00% 5.00% 5.00% 5.00%
The Wakalah fee as percentage of the A-Plus Legasi Enhancer, A-Plus Saver-i and ad hoc top-up contribution is as follows:
Certificate Year All Years
Contribution Allocation 95%
Wakalah Fee 5%
Note: Please refer to the PI PDS for the full Wakalah fee.
Monthly Service Charge RM10 per month. We reserve the right to revise the Monthly Service Charge by giving the Participants 3 months’ prior written notice.
Fund Switching Fee Fund switching is currently free. The Takaful Operator reserves the right to impose charges by giving the Participant 3 months’ prior
written notice.
Fund Management Charge Fund Management Charge will be imposed for each of the fund (per annum) as percentage of Net Asset Value:
(FMC) No Fund Current FMC Max FMC
1 A-Dana Equity 1.5% 1.5%
2 A-Dana Income 0.5% 1.0%
3 A-Dana Balanced 1.2% 1.5%
4 A-Dana Strategic Equity 1.5% 1.5%
A-Dana Strategic
5 1.5% 1.5%
Dynamic
The Fund Management Charge will be deducted at each valuation date and We reserve the right to revise the Fund Management Charge
84 by giving
AIA confidential and proprietary information. Not the Participants 3 months’ prior written notice.
for distribution.
[AIA – INTERNAL]
Takaful Model
[AIA – INTERNAL]
Takaful Model (Cont.)
Item Description
• Protection Account • The Basic Contribution and A-Plus Legasi Enhancer, less Wakalah fee, will be allocated and invested into the Protection Account.
• Savings Account The Protection Account will be managed and invested in accordance with the principles of Shariah (“Wakalah bi al-Istithmar”). The
Tabarru’ will be deducted monthly from the Protection Account and placed in the Participants Risk Fund (PRF).
• Optional Top-Up such as A-Plus Saver-i plus Ad Hoc Top-up, less Wakalah fee, will be allocated into the Savings Account. The
Savings Account will be managed and invested in accordance with the principles of Shariah (“Wakalah bi al-Istithmar”).
• Cross-subsidy is allowed from Protection Account to Savings Account.

Takaful Operator’s Fund The Wakalah Fee which is deducted from the Contribution will be paid into the Takaful Operator’s fund to pay for commission and
other management expenses.
Participants’ Risk Fund (“PRF”): • The PRF is a common risk fund and is collectively owned by the pool of Participants.
• The Tabarru‘ is the amount deducted from the Protection Account and Savings Account, and allocated into PRF for the purpose of
providing Takaful protection. If there is a net surplus in the PRF, after deducting the claims payable, statutory reserve, solvency
capital requirements, outstanding Qard (if any) and taxes, at the end of each financial year, the same will be distributed between
the Takaful Operator and the Participants equally in the proportion of 50% and 50%.
• The net Surplus will be distributed to the eligible Participants in accordance to their Tabarru‘ contribution and will be credited into
the Protection Account. Alternatively, for Participants who wish to help those in need has the option to donate the surplus received
to charity.
• The net Surplus attribution to the Participants shall be shared proportionally and provided always that the Takaful Certificate must
be in force at the end of the financial year and has not incurred any claim and/or not received any benefits payable under each
type of cover under the Takaful Certificate in that financial year. The net surplus will be distributed in the form of units by crediting
it into the Protection Account.
• In the event the PRF is insufficient to pay for its liabilities, the Takaful Operator will make good the deficiency from its fund under
the principle of Qard (interest free loan). This amount will be repaid to the Takaful Operator from the future PRF’s surplus without
any profit before any surplus distribution is made.
[AIA – INTERNAL]
Riders Information
FEATURES A-Plus Infaq (API) A-Plus Waiver-i (APWi) A-Plus ParentWaiver-i (APPWi)
Benefit Upon death/TPD of the Person Covered, Contributes the basic, A-Plus Legasi Enhancer Contributes the basic, A-Plus Legasi Enhancer
the benefit will be donated according to and A-Plus Saver-i contribution payment on and A-Plus Saver-i contribution payment in the
percentage selected by the Participant in behalf of Participant in the event the Person event the Participant dies, suffers TPD before
the name of the Person Covered to the Covered is diagnosed with any one the 44 reaching age 70 or is diagnosed with any one
Charity Partners. covered critical illnesses or undergoes a the 44 covered critical illnesses or undergoes a
covered surgery, before the expiry of the rider. covered surgery
14 days – 17 years old (Person Covered)
Entry Age 14 days – 70 years old 18 years old – 60 years old
18 years old – 60 years old (Participant)
Lower of
Coverage Term Follow Basic Coverage Term Follow Basic Payment Term • Contribution Payment Term; or
• until Person Covered Age 25
Minimum Sum Covered The SC is the contribution as described under The SC is the contribution as described under
RM100,000
(SC) benefit benefit
Maximum SC Up to Basic SC RM250,000 RM250,000
Other Term and 1. 3 selections; MERCY, NCSM and Only available for Adult case Only available for Juvenile Case
Condition Others. (18 years old and above) (14 days to 17 years old)
2. For Others, It must be a registered
organization (SSM, ROS, SKM, other
authorities such as states religious
council).
3. Selection on Non Islamic organization
or Non-Muslim places of worship are
not allowed.
[AIA – INTERNAL]
Critical Illness List
The list of covered critical illnesses as under A-Plus Waiver-i and A-Plus ParentWaiver-i
1. Stroke 23. Alzheimer's Disease / Severe Dementia
2. Cancer 24. Motor Neuron Disease
3. Heart Attack 25. Parkinson's Disease
4. Coronary Artery By-Pass Surgery 26. Terminal Illness
5. Serious Coronary Artery Disease 27. Encephalitis
6. Heart Valve Surgery 28. Benign Brain Tumour
7. Fulminant Viral Hepatitis 29. Major Head Trauma
8. End-Stage Liver Failure 30. Bacterial Meningitis
9. Primary Pulmonary Arterial Hypertension 31. Brain Surgery
10. End-Stage Lung Disease 32. Medullary Cystic Disease
11. Kidney Failure 33. Loss of Independent Existence
12. Surgery to Aorta 34. HIV Infection Due To Blood Transfusion
13. Chronic Aplastic Anaemia 35. Cardiomyopathy
14. Major Organ / Bone Marrow Transplant 36. Full-blown AIDS
15. Blindness – Permanent and Irreversible 37. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
16. Deafness – Permanent and Irreversible 38. Systemic Lupus Erythematosus with Severe Kidney Complications
17. Loss of Speech 39. Poliomyelitis
18. Coma 40. Progressive Scleroderma
19. Third Degree Burns 41. Apallic Syndrome
20. Multiple Sclerosis 42. Chronic Relapsing Pancreatitis
21. Paralysis of Limbs 43. Elephantiasis
22. Muscular Dystrophy 44. Creutzfeldt-Jakob Disease
[AIA – INTERNAL]
Exclusions
Exclusions on Death Benefit
1. Death due to suicide within 1 year from the issue date, commencement date or reinstatement date, whichever is later, AIA PUBLIC Takaful Bhd.’s
liability shall be limited to the refund of the total Account Value in Protection Account and Account Value in Savings Account plus the Wakalah fee,
Tabarru’ and Monthly Service Charge that have been deducted less any indebtedness. Thereafter, this certificate shall terminate.
Exclusions for Accidental Death Benefit, Accidental Death in Public Conveyance Benefit or Accidental Death due to Natural Disaster Benefit
1. Wilful exposure to danger or self-inflicted act while sane or insane; or
2. Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity; or
3. Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due
to intoxication of alcohol or drugs; or
4. Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Person Covered is a fare-paying
passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
Exclusions for Total and Permanent Disability (TPD) Benefit

1. Willful exposure to danger or self-inflicted act while sane or insane; or
2. Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity; or
3. Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due
to intoxication of alcohol or drugs; or
4. Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Person Covered is a fare-paying
passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or
5. Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date
whichever is later.
[AIA – INTERNAL]
Exclusions
Exclusions for Critical Illness for A-Plus Waiver-i, A-Plus Parent Waiver-i
1. Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later; or
2. Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for
Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date,
whichever is later; or
3. All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date,
whichever is later; or
4. Any Critical Illness that was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before
age 17; or
5. The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease / Severe Dementia or Terminal Illness
was directly or indirectly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).
• The definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health
Organization of that definition.
• Infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the presence of any HIV or
Antibodies to such a Virus.
6. Any of the Critical Illnesses or Covered Surgeries defined here that is caused by a self-inflicted injury.
[AIA – INTERNAL]
Thank You
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
[AIA – INTERNAL]

Investment Link Plans (Takaful) January 1, 2023: NA Specific Markets Rev 06 22 06 2021 (Aia - Internal)

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Investment Link Plans (Takaful) January 1, 2023: NA Specific Markets Rev 06 22 06 2021 (Aia - Internal)

Uploaded by

Copyright:

Available Formats

Investment Link Plans

[AIA – INTERNAL] NA Specific Markets Rev 06 22 06 2021

A-Life Legasi Beyond

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution.

5 AIA confidential and proprietary information. Not for distribution.

“Guaranteeing each other”

COVID 19 was reported to have influenced

CLOSE TO HALF of those earning over RM 2,500

9 AIA confidential and proprietary information. Not for distribution.

Source: PIDM Report 2022: Why don’t urban millennials insure?

72% RM90 BILLION

89% 43% 53%

12 AIA confidential and proprietary information. Not for distribution.

HEALTHIER, LONGER, BETTER LIVES

HASSLE-FREE LIQUIDITY CREDITOR-PROOF

Provides LIQUIDITY such that

Care for your loved ones, multiple protection for yourself

16 AIA confidential and proprietary information. Not for distribution.

Well A Lasting Legacy Begins With

Wealth Distribution in Islam

PROTECT Asset Distribution Estate Distribution

• Hibah (Gift) • Faraid

17 AIA confidential and proprietary information. Not for distribution.

Why Malaysian find it is

Estate Management Benefit

20 AIA confidential and proprietary information. Not for distribution.

LIVE 20% BASIC SUM COVERED

Build a better End of Year 1 2% 1% 0% 0%

Get rewarded when you save more

23 AIA confidential and proprietary information. Not for distribution.

Legasi Rewards shall be credited into the

Payable to the at the end of the End of Age 70 End of Age 80

Legasi Rewards & Legasi Booster

PLAN Legasi Rewards Legasi Rewards

26 AIA confidential and proprietary information. Not for distribution.

Find the right combination of contribution

Automatic Extension of Coverage Term

What will happen to your rewards during the

BOOSTER credit into the Protection Account

29 AIA confidential and proprietary information. Not for distribution.

PLAN Flexibility to customize your contributions!

BSC: RM 500K Contribution Term: 20 Pay Coverage: Up to Age 70

Without A-Plus Legasi Enhancer

Understanding Your Contributions

WELL A-Plus Legasi Regular contribution required for a Protection Account

Optional regular top-up to

31 AIA confidential and proprietary information. Not for distribution.

Access to the BEST of

A-Dana Balanced 100%

A-Dana Strategic Dynamic

Dynamic Asset Allocation 100% Global Investment Adviser

33 AIA confidential and proprietary information. Not for distribution.

Flexibility to build up your protection

Flexibility to build A-Plus Saver-i

34 AIA confidential and proprietary information. Not for distribution.

Rewards you more when you stay Hassle-free distribution

HEALTHIER, LONGER, BETTER LIVES

Coverage Payment Coverage Optional

A-Life Legasi Builder

Last Submission Date

38 AIA confidential and proprietary information. Not for distribution.