Investment-Linked Takaful Plan Fulfilling your investment and protection needs

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1 WealthSecure-i Invest Investment-Linked Takaful Plan Fulfilling your investment and protection needs A PIDM member

2 WealthSecure-i Invest A takaful plan to serve your needs throughout the vital stages of life Your needs constantly change as you progress in life. The need for savings, protection, funding your children s education, wealth creation as well as retirement are important phases that require adequate financial planning to ensure these goals are met. Introducing WealthSecure-i Invest a regular contribution investment-linked takaful plan, designed to provide you with the flexibility to achieve the perfect balance between investment and protection throughout each stage of your life. Enjoy the benefits of both worlds at an affordable contribution, with just one unique comprehensive plan. At the same time, be part of a group of participants providing mutual assistance to each other, in line with Shariah principles of shared protection, responsibility and cooperation. At AmMetLife Takaful, we firmly believe that every individual deserves only the best we may offer.

3 Benefits of WealthSecure-i Invest Higher Allocation Rates Allocation rate is the percentage of your contribution used to purchase units in the funds. WealthSecure-i Invest offers competitive allocation rates, i.e. a larger portion of your contributions will be allocated into the funds, enabling you to fast track your financial objectives. Flexibility You can choose the amount of takaful coverage based on your needs, eg. lower takaful protection to allocate a greater portion of your contributions into investment, or vice versa. Top-ups can be made at any time to maximise your investment value at a minimum value of RM50. Takaful Protection Death or Total Permanent Disability (TPD) In the event of death or TPD when the Certificate is in force, the basic sum covered PLUS the prevailing value of units in the Participants Investment Fund (PIF) at unit price is payable. TPD coverage is provided up to age of 65, and the maximum benefit payable is RM2 million. Critical Illness (CI) In the event of CI when the Certificate is in force, the basic sum covered is payable. The Certificate will remain in force until a claim is made for death or TPD, or until certificate maturity, whichever is earlier. CI coverage is provided up to the age of 99, and the maximum benefit payable is RM1 million. Surrender The Certificate may be surrendered at anytime for the prevailing value of PIF units at unit price, less a surrender fee. Partial Withdrawal Should the need arise, partial withdrawals may be made from the PIF. The minimum withdrawal amount is RM1,000 and the minimum remaining investment balance after partial withdrawal in the PIF is RM2,000. Maturity Upon maturity, the prevailing value of PIF units at the unit price is payable. Surplus Distribution 50% of the net surplus (if any) from the Participants Risk Fund (PRF) will be distributed to the participants by crediting additional units into the PIF and 50% to AmMetLife Takaful Berhad (AmMetLife Takaful). The PIF is linked to the performance of the said funds. 100% of the profit from the investment performance will be retained in PIF. Rider Unit deducting riders are available for selected plan with monthly tabarru deducted from PIF. If you purchase too many riders, the charges may deplete your investment funds. Claims For any claims related issues, do not hesitate to contact us immediately.

4 Answering Your Concerns Minimum/Maximum Age at Entry Minimum age is 30 days old for participant and 18 years old for certificate holder. Maximum age is 60 years old for participant and certificate holder. Age is defined as age next birthday. Coverage The minimum sum covered is based on the annual contribution (excluding investment portion) and the entry age of the person covered, as shown below: Entry Age Min Sum Covered Multiple Factor Example: If entry age is 25 and annual contribution is RM for takaful protection portion and RM600 for investment portion: minimum sum covered = RM x 55 = RM99,000 Contributions The minimum total annual contribution is RM. Minimum takaful portion of the annual contribution is RM and there is no minimum for the investment portion. Subsequent top-up contributions must be at least RM50. Depending on your choice of contribution frequency, the amount of each contribution will be your annual contribution multiplied by the following factors: Yearly Half-Yearly Quarterly Monthly 1 1/2 1/4 1/12

5 Answering Your Concerns Contributions can be made via: Auto debit EPP (Easy Payment Plans) Direct via Cash/Cheque/Credit Card Contribution Allocation A proportion of your contribution will be allocated to create units within the funds as below: AmMetLife Takaful Sukuk Fund The fund s investment objective is to allow low-risk takers to enjoy higher than average income earned from Islamic fixed deposits, over the medium to long term investment horizon, via investment in a diversified portfolio of Islamic fixed income securities (Sukuk), largely in Government Investment Issues and Shariah-compliant corporate bonds and money market instruments. AmMetLife Takaful Equity Fund The fund aims to achieve superior capital appreciation over the medium to long-term period by investing in a diversified portfolio consisting of Shariah-compliant Malaysian equities listed on Bursa Malaysia. AmMetLife Takaful Balanced Fund This fund s objective is to achieve moderate capital growth over the medium to long-term period by investing in a balanced portfolio of Shariah-compliant Malaysian equities, fixed income securities (Sukuk) and collective investment schemes. AmMetLife Takaful Balanced Plus Fund This fund aims to provide the certificate holder with an opportunity to gain potentially higher return than Shariah-compliant fixed deposits, over a medium to long term investment horizon, through investing in Shariah-compliant collective investment schemes ( CIS ).

6 Answering Your Concerns Allocation rates for the takaful protection portion will vary by certificate years. For any additional investment top-up, a separate allocation rate of will be applicable. For example, a contribution of RM3,000 split into RM for takaful protection portion and RM for investment portion will yield an allocated contribution for each certificate year as shown in the last row of the table below: Year Contributions Paid (RM) Allocated Contribution (RM) Takaful Protection Portion Investment Portion 60% 70% 75% 90% 100% Total (RM) 2,220 2,400 2,490 2,760 2,850 2,940 Example above is based on 20 years term. The total PIF unit value varies as unit pricing is performed on a daily basis by using single pricing. The price at which units are sold/purchased will be determined at the next price following the receipt of contribution or claim, known as forward pricing. The creation and cancellation of units are based on the unit price.

7 Answering Your Concerns What are the major exclusions under this plan? Death Cover will not be payable if death is due to suicide, whether while sane or insane, within 12 months from the issued date of the Certificate; or if death arises whilst the participant was under the influence of alcohol, narcotics or drugs; or death is due to pre-existing condition not disclosed to AmMetLife Takaful. TPD/CI Cover will not be payable if TPD/CI is due to self-inflicted bodily injuries or attempted suicide while sane or insane; or whilst the participant was under influence of alcohol, narcotics or drugs; or TPD/CI is proven to be due to pre-existing condition not disclosed to AmMetLife Takaful; or if TPD/CI is due to disability occuring before the inception of the Certificate. Disclaimer: The list of exclusions is not exhaustive and reference should be made to the full definitions contained in the Certificate.

8 Fees, Charges and Deductions a. Wakalah Fee A wakalah fee is charged to contributions before the remaining amount is allocated into the PIF. b. Tabarru' (Donations) Tabarru (donations) are pooled together to provide benefits to the participants in the event of death, TPD or CI. It will be applied monthly by cancelling the appropriate number of units of investment in the PIF. It is calculated based on attained age at the last certificate anniversary date. c. Monthly Service Fee A monthly service fee of RM5 plus RM0.30 Goods and Services Tax (GST) will be deducted from the units in the PIF. d. Fund Management Fee Up to 1.5% p.a. of the Net Asset Value (NAV). e. Surrender Fee Surrender Fee of: RM100 plus RM6 GST; OR 10% of surrender value plus applicable GST of 6% on surrender fee; whichever is lower.

9 Important Notes a) To participate in an investment-linked family takaful plan is a long-term commitment. Early termination of the plan involves high cost and the withdrawal value is dependent on prevailing market values of the underlying assets of the unit fund. Therefore, the withdrawal value may be less than the total contributions paid. b) The plan value may rise or fall as the fund performance is not fixed. The investment risk will be solely borne by the certificate holder. c) AmMetLife Takaful may close a fund, cease to allow allocating funds or cease to allow any switching of units by giving three months written notice subject to the approval of relevant regulatory authorities. You may then redeem the units or transfer the units to other available funds. d) The Certificate will not provide benefit amount from the PRF upon surrender or maturity. e) It is advisable to utilise the top-up facility as a means to maximise the investment value of an annual contribution investment-linked family takaful plan. f) You should satisfy yourself that this plan can best serve your needs, and that the contributions payable is affordable. g) Within 15 calendar days from the date of delivery of the Certificate, you are free to review the Certificate and cancel it without assigning any reason. Value of PIF units (if any) at the unit price, unallocated contributions, any fees and charges that have been deducted, less medical expenses which may have been incurred, will be refunded. h) This Certificate could make you eligible for as much as RM6,000 individual tax relief a year. Subject to terms and conditions of Inland Revenue Board of Malaysia. i) This brochure is a brief description of the product. Please refer to the Takaful Certificate documents for full details on terms and conditions. This is a takaful product that is tied to the performance of underlying assets, and is not a pure investment product such as unit trusts.

10 Frequently Asked Questions 1. What are the applicable Shariah concepts? a. Wakalah This plan applies wakalah (agency) concept, where all certificate holders appoint AmMetLife Takaful to act on behalf of them to invest and manage the PIF and PRF. AmMetLife Takaful is entitled to a wakalah fee, as disclosed in the Benefit Illustration, for managing and investing the funds. b. Tabarru This plan applies tabarru concept, where all certificate holders agree to donate a specified portion from the PIF into the PRF for the purpose of mutual aid and assistance to all certificate holders in times of misfortune. c. Qardh An interest-free loan from AmMetLife Takaful in the event that the PRF is in deficit. The loan will be paid (in equivalent counter value) from the future surplus arising from the PRF. 2. What is the difference between a conventional based investment-linked plan and a takaful based investment-linked plan? The main difference is, under a takaful based investment-linked plan, the allocated contribution for investment purposes, are invested in Shariah-approved funds. In addition, the plan enables you to benefit from the net surplus (if any) available in the PRF by crediting additional unit(s) into the PIF. 3. How is my contribution being invested? AmMetLife Takaful allocates a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount (wakalah fee) will be used to pay commissions to agents/financial advisers and other expenses of AmMetLife Takaful. You are advised to refer to the allocation rates given in the Benefit Illustration. Your Takaful Certificate will continue to be in force as long as the value of invested units in the PIF is sufficient to be deducted for the basic plan tabarru and other charges; otherwise the Takaful Certificate will lapse. 4. What are the other Current Charges? Monthly tabarru (donations) - depends on your attained age, gender, health and occupation. Monthly service fee of RM5 per month, plus RM0.30 GST. Surrender Fee of: - RM100 plus RM6 GST; OR - 10% of surrender value plus applicable GST of 6% on surrender fee; whichever is lower.

11 Frequently Asked Questions Fund management fee The fee is based on the proportion of equities and fixed income of the unit funds, subject to the following range: Minimum charge : 1.00% of NAV per annum. Maximum charge : 1.50% of NAV per annum. Note: The fees and charges levied may change from time to time by giving three months notice. All charges will be deducted from the units allocated to your Certificate. 5. What if the participant dies/tpd before attaining the age of four? In the event of the participant s death/tpd prior to attaining the age of four years, the sum covered payable under the Certificate shall be as follows: Age next birthday at death & above Percentage of sum covered payable 25% 50% 75% 100% 6. What are the partial withdrawal conditions? The minimum withdrawal amount is RM1,000 with the minimum unit balance of RM2,000 after partial withdrawal. 7. What are pre-existing illness and conditions? Pre-existing illness and conditions means any medical conditions which have been diagnosed or have required medical treatment prior to the commencement date of this takaful coverage irrespective of whether treatment was actually received. 8. How can I track the performance of my funds? You can track the unit prices that are published daily in major newspapers and our website. 9. What would happen if my unit fund value becomes zero or negative? Once a Certificate has a unit balance going to zero for all funds, a grace period of 30 days is given to the certificate holder to pay the contribution or top up their Certificate. In the event that the grace period ends, the Certificate will lapse. The certificate holder is allowed to reinstate the Certificate and is subjected to the normal reinstatement rules and procedures applicable at that time.

12 WealthSecure-i Invest Memenuhi keperluan pelaburan dan perlindungan anda Pelan takaful yang memenuhi keperluan anda di setiap peringkat penting kehidupan anda Keperluan anda sentiasa berubah seiring dengan perkembangan hidup anda. Keperluan untuk simpanan, perlindungan, pembiayaan pendidikan anak-anak anda, penjanaan kekayaan begitu juga dengan persaraan merupakan fasa-fasa penting yang memerlukan perancangan kewangan tepat untuk memastikan matlamat-matlamat tersebut dicapai. Memperkenalkan WealthSecure-i Invest satu pelan takaful berkaitan pelaburan dalam bentuk sumbangan berkala yang direka untuk menyediakan anda fleksibiliti bagi mencapai keseimbangan di antara pelaburan dan perlindungan pada setiap tahap kehidupan anda. Anda akan mendapat manfaat pelaburan dan perlindungan dengan sumbangan yang mampu bayar, hanya dengan satu pelan komprehensif yang unik. Pada masa yang sama, sertailah kumpulan peserta yang saling membantu antara satu sama lain, berlandaskan prinsip-prinsip Syariah iaitu perkongsian perlindungan, tanggungjawab dan kerjasama. Di AmMetLife Takaful,kami percaya bahawa setiap individu berhak mendapat hanya yang terbaik daripada apa yang kami tawarkan.

13 Manfaat-manfaat WealthSecure-i Invest Kadar Peruntukan yang Tinggi Kadar peruntukan merupakan peratusan daripada sumbangan anda yang digunakan untuk membeli unit di dalam dana-dana. WealthSecure-i Invest menawarkan kadar peruntukan yang kompetitif di pasaran, di mana sebahagian besar dari sumbangan anda akan diperuntukkan ke dalam dana-dana sedia ada, membolehkan anda untuk mengikuti objektif kewangan anda. Fleksibiliti Anda boleh memilih nilai perlindungan takaful mengikut keperluan anda, misalnya perlindungan takaful yang rendah supaya sebahagian besar daripada sumbangan anda boleh diperuntukkan kepada pelaburan, atau sebaliknya. Sumbangan tambahan minima sebanyak RM50 boleh dibuat pada bila-bila masa untuk memaksimakan nilai pelaburan anda. Perlindungan Takaful Kematian atau Hilang Upaya Menyeluruh dan Kekal (HUMK) Sekiranya berlaku kematian atau HUMK ketika sijil berkuatkuasa, jumlah perlindungan asas BERSERTA nilai semasa unit-unit pada harga unit di dalam Dana Pelaburan Peserta-peserta (DPP) akan dibayar. Perlindungan HUMK disediakan sehingga umur 65 tahun, dan manfaat maksima yang akan dibayar ialah RM2 juta. Penyakit Kritikal (PK) Sekiranya didiagnosis dengan PK ketika Sijil berkuatkuasa, jumlah perlindungan asas akan dibayar. Sijil akan terus berkuatkuasa sehingga tuntutan dibuat ke atas kematian atau HUMK, atau sehingga Sijil matang, yang mana terdahulu. Perlindungan PK disediakan sehingga umur 99 tahun, dan manfaat maksima yang akan dibayar ialah RM1 juta. Penyerahan Sijil ini boleh diserahkan pada bila-bila masa untuk nilai semasa unit-unit DPP pada harga unit, ditolak fi penyerahan. Pengeluaran Sebahagian Sekiranya timbul keperluan, pengeluaran sebahagian boleh dibuat dari DPP. Pengeluaran minima ialah RM1,000 dengan syarat baki minima pelaburan selepas pengeluaran sebahagian di dalam DPP ialah RM2,000. Kematangan Pada tempoh matang, nilai semasa unit DPP pada harga unit akan dibayar. Pengagihan Lebihan 50% daripada lebihan bersih (jika ada) daripada Dana Risiko Peserta-peserta (DRP) akan diagihkan kepada peserta-peserta dengan mengkreditkan unit-unit tambahan ke dalam DPP dan 50% kepada AmMetLife Takaful Berhad (AmMetLife Takaful). Nilai DPP adalah bergantung kepada prestasi dana-dana tersebut. 100% keuntungan prestasi pelaburan akan dikekalkan di dalam DPP. Rider Rider pengurangan unit boleh ditambah dengan menolak tabarru bulanan dari DPP. Jika anda membeli terlalu banyak rider, caj-caj tersebut mungkin menghabiskan DPP anda. Tuntutan Untuk sebarang isu berkaitan tuntutan, sila hubungi pihak kami dengan segera.

14 Menjawab Persoalan Anda Umur Permulaan Minima/Maksima Umur minima bagi peserta adalah 30 hari dan 18 tahun bagi pemegang sijil. Umur maksima pula adalah 60 tahun bagi peserta dan pemegang sijil. Umur ditakrifkan sebagai umur pada hari lahir akan datang. Perlindungan Jumlah perlindungan minima adalah bergantung dengan sumbangan tahunan (tidak termasuk bahagian pelaburan) dan usia permulaan peserta adalah seperti yang ditunjukkan di bawah: Usia Permulaan Jumlah Perlindungan Minima Faktor Berganda Contoh: Sekiranya usia permulaan adalah 25 tahun dan sumbangan tahunan ialah RM untuk bahagian perlindungan Takaful dan RM600 untuk bahagian pelaburan: jumlah perlindungan minima = RM x 55 = RM99,00 Sumbangan Jumlah sumbangan tahunan minima ialah RM. Bahagian Takaful minima dari sumbangan tahunan ialah RM, dan tidak ada had minima untuk bahagian pelaburan. Sumbangan tambahan selanjutnya mestilah sekurang-kurangnya RM50. Bergantung kepada kekerapan sumbangan pilihan anda, jumlah setiap sumbangan adalah fi tahunan anda yang digandakan dengan faktor-faktor berikut: Tahunan Setengah-Tahunan Suku Tahunan Bulanan 1 1/2 1/4 1/12

15 Menjawab Persoalan Anda Sumbangan boleh dibuat melalui: Debit secara automatik Pelan Bayaran Mudah (EPP) Secara langsung melalui Tunai/Cek/Kad Kredit Peruntukan Sumbangan Sebahagian dari sumbangan anda diperuntukkan untuk mewujudkan unit-unit di dalam dana-dana berikut: AmMetLife Takaful Sukuk Fund Objektif pelaburan dana ini adalah untuk memberi peluang kepada pengambil risiko rendah untuk menikmati pendapatan lebih tinggi daripada purata pendapatan diperolehi dari deposit tetap berlandaskan Islam, bagi pelaburan jangka masa sederhana ke jangka masa panjang, melalui pelaburan di dalam portfolio pelbagaian sekuriti-sekuriti berpendapatan tetap berlandaskan Islam (Sukuk), di mana kebanyakannya dalam Pelaburan Terbitan Kerajaan dan bon-bon Korporat yang berlandaskan Syariah serta instrumen-instrumen pasaran kewangan. AmMetLife Takaful Equity Fund Dana ini bertujuan untuk mencapai penilaian modal yang tinggi bagi pelaburan jangka masa sederhana ke jangka masa panjang dengan melabur di dalam pelbagai portfolio yang terdiri dari ekuiti-ekuiti Malaysia yang berasaskan Syariah yang tersenarai di Bursa Malaysia. AmMetLife Takaful Balanced Fund Objektif dana ini adalah untuk mencapai pertumbuhan modal sederhana ke atas jangka masa sederhana ke jangka masa panjang dengan melabur di dalam portfolio seimbang dalam ekuiti-ekuiti Malaysia yang berasaskan Syariah, sekuriti pendapatan tetap (Sukuk) dan skim-skim pelaburan berkelompok. AmMetLife Takaful Balanced Plus Fund Dana ini bertujuan untuk memberi pemegang sijil peluang untuk mendapat pulangan yang lebih tinggi daripada deposit tetap patuh Syariah, dalam satu tempoh jangka masa sederhana ke jangka masa panjang horizon pelaburan, melalui pelaburan di dalam skim-skim pelaburan kolektif ( SPK ) yang patuh Syariah.

16 Menjawab Persoalan Anda Kadar peruntukan akan berbeza mengikut tahun sijil. Untuk setiap penambahan pelaburan, satu kadar peruntukan berasingan akan digunakan. Contohnya, satu sumbangan berjumlah RM3,000 dipecahkan kepada RM untuk bahagian perlindungan takaful, dan RM untuk bahagian pelaburan akan menghasilkan sumbangan yang diperuntukkan untuk setiap tahun sijil seperti ditunjukkan dalam baris terakhir jadual di bawah: Tahun Sumbangan Berbayar (RM) Sumbangan Diperuntukkan (RM) Bahagian Perlindungan Takaful Bahagian Pelaburan 60% 70% 75% 90% 100% Jumlah (RM) 2,220 2,400 2,490 2,760 2,850 2,940 Contoh di atas berdasarkan tempoh sijil 20 tahun. Jumlah nilai unit DPP berbeza-beza oleh kerana pengiraan harga unit dilakukan setiap hari dengan menggunakan pengiraan harga tunggal. Harga jualan/belian setiap unit akan ditentukan pada harga seterusnya setelah menerima sumbangan atau tuntutan. Ini dikenali sebagai 'penentuan harga hadapan' (Forward Pricing). Penerbitan dan pembatalan unit-unit adalah berdasarkan kepada harga unit.

17 Menjawab Persoalan Anda Apakah pengecualian-pengecualian utama di dalam pelan ini? Manfaat Perlindungan Kematian tidak akan dibayar jika kematian adalah disebabkan oleh bunuh diri, samada dalam keadaan waras atau tidak waras, dalam tempoh 12 bulan dari tarikh Sijil dikeluarkan; atau semasa peserta di bawah pengaruh alkohol, narkotik atau penyalahgunaan dadah; atau kematian disebabkan oleh penyakit sedia-ada yang tidak didedahkan kepada AmMetLife Takaful. Manfaat Perlindungan HUMK/PK tidak akan dibayar jika HUMK/PK adalah disebabkan oleh perbuatan mencederakan diri sendiri atau percubaan membunuh diri samada dalam keadaan waras atau tidak waras; atau semasa peserta di bawah pengaruh alkohol, narkotik atau penyalahgunaan dadah; atau HUMK/PK disebabkan oleh penyakit sedia-ada yang tidak didedahkan kepada AmMetLife Takaful; atau HUMK/PK disebabkan oleh kehilangan upaya yang berlaku sebelum permulaan Sijil. Penafian: Senarai pengecualian adalah tidak lengkap dan rujukan harus dibuat kepada definisi lengkap yang terkandung di dalam Sijil.

18 Fi, Caj dan Potongan a. Fi Wakalah Fi wakalah dikenakan kepada sumbangan sebelum bakinya diperuntukkan ke dalam DPP. b. Tabarru (Derma) Tabarru (Derma) dikumpulkan bersama-sama untuk menyediakan manfaat kepada peserta jika berlaku kematian, HUMK atau PK. Ianya akan dilaksanakan secara bulanan dengan membatalkan jumlah unit pelaburan yang bersesuaian di dalam DPP. Sumbangan ini dikira berdasarkan umur dicapai pada tarikh akhir ulang tahun sijil. c. Fi Perkhidmatan Bulanan Fi perkhidmatan bulanan RM5 dan RM0.30 untuk Cukai Barang dan Perkhidmatan (CBP) akan ditolak dari unit-unit di dalam DPP. d. Fi Pengurusan Dana Fi pengurusan dana sehingga 1.5% setahun dari Nilai Aset Bersih (NAB). e. Fi Serahan Fi serahan sebanyak: RM100 dan RM6 untuk CBP; ATAU 10% daripada nilai serahan dan CBP sebanyak 6% akan dikenakan ke atas fi serahan; yang mana lebih rendah.

19 Nota-nota Penting a) Penyertaan di dalam pelan takaful berkaitan pelaburan merupakan komitmen jangka masa panjang. Penamatan awal sijil melibatkan kos tinggi dan nilai pengeluaran bergantung pada nilai pasaran semasa aset-aset sandaran dana unit tersebut. Oleh itu, nilai pengeluaran mungkin kurang daripada jumlah sumbangan yang telah dibayar. b) Nilai sijil mungkin naik atau turun kerana prestasi dana adalah tidak tetap. Risiko pelaburan akan ditanggung sepenuhnya oleh pemegang sijil. c) AmMetLife Takaful mungkin menutup dana, berhenti membenarkan peruntukan dana atau semua pertukaran unit dengan memberikan notis bertulis tiga bulan tertakluk kepada kelulusan pihak berkuasa yang berkenaan. Anda kemudiannya boleh menebus atau memindah unit ke dana lain yang disediakan. d) Sijil tersebut tidak akan membayar amaun manfaat dari DRP apabila berlaku serahan atau matang. e) Anda disarankan untuk menggunakan kemudahan sumbangan tambahan sebagai satu cara untuk memaksimakan nilai pelaburan sumbangan tahunan sijil berkaitan pelaburan. f) Anda harus berpuas hati bahawa pelan ini menepati keperluan anda dan sumbangan yang perlu dibayar adalah jumlah yang anda mampu bayar. g) Dalam masa 15 hari kalendar bermula dari tarikh penghantaran Sijil, anda mempunyai kebebasan untuk menyemak dan membatalkan Sijil tanpa mengemukakan sebarang alasan. Nilai unit DPP (jika ada) pada harga unit, sumbangan tidak diperuntukkan, sebarang fi dan caj yang telah dikenakan, setelah ditolak perbelanjaan perubatan yang mungkin telah digunakan, akan dikembalikan. h) Sijil ini melayakkan anda untuk menerima pelepasan cukai individu sehingga RM6,000 setahun. Tertakluk kepada semua terma dan syarat oleh Lembaga Hasil Dalam Negeri. i) Brosur ini hanyalah keterangan ringkas mengenai produk ini. Sila rujuk kepada dokumen-dokumen Sijil Takaful untuk butiran lengkap tentang terma-terma dan syarat-syarat. Ini adalah produk takaful yang berkaitan dengan prestasi aset sandaran, dan bukan merupakan produk pelaburan tulen seperti unit amanah.

20 Soalan-Soalan Lazim 1. Apakah konsep-konsep Syariah yang diguna pakai? a. Wakalah Pelan ini mengguna pakai konsep wakalah (agensi), di mana semua pemegang sijil melantik AmMetLife Takaful untuk bertindak bagi pihak mereka untuk melabur dan mengurus DPP dan DRP. AmMetLife Takaful berhak mendapat fi wakalah, seperti yang dinyatakan dalam Ilustrasi Manfaat, untuk mengurus dan melabur dana-dana. b. Tabarru Pelan ini mengguna pakai konsep tabarru, di mana semua pemegang sijil bersetuju untuk menderma sebahagian daripada DPP kepada DRP untuk tujuan saling bantu-membantu antara semua pemegang sijil semasa ditimpa musibah. c. Qard Pinjaman tanpa faedah dari AmMetLife Takaful sekiranya DRP berada dalam keadaan defisit. Pinjaman akan dibayar semula (dengan nilai yang setara) apabila terhasil lebihan daripada DRP pada masa hadapan. 2. Apakah perbezaan di antara pelan berkaitan pelaburan konvensional dan pelan berkaitan pelaburan takaful? Perbezaan yang ketara adalah, bagi pelan berkaitan pelaburan takaful, sumbangan yang diperuntukkan untuk tujuan pelaburan akan dilaburkan di dalam dana-dana yang diluluskan Syariah. Selain itu, pelan ini membolehkan anda untuk mendapat manfaat daripada lebihan bersih (jika ada) dari DRP dengan mengkreditkan unit tambahan ke DPP. 3. Bagaimanakah sumbangan saya dilaburkan? AmMetLife Takaful memperuntukkan sebahagian daripada sumbangan untuk membeli unit-unit dana berkaitan pelaburan yang telah anda pilih. Sebarang amaun tidak diperuntukkan (fi wakalah) akan digunakan untuk membayar komisyen-komisyen kepada ejen-ejen/ penasihat-penasihat kewangan dan perbelanjaan-perbelanjaan lain AmMetLife Takaful. Anda dinasihatkan untuk merujuk kepada kadar peruntukan yang diberi di dalam Ilustrasi Manfaat. Sijil Takaful anda akan terus berkuatkuasa selagi nilai unit-unit yang dilaburkan di dalam DPP mencukupi untuk menolak tabarru pelan asas dan caj-caj lain; jika tidak Sijil Takaful akan luput. 4. Apakah caj-caj semasa yang lain? Tabarru (derma) bulanan berdasarkan umur, jantina, tahap kesihatan dan pekerjaan. Fi perkhidmatan bulanan iaitu RM5 setiap bulan, dan RM0.30 untuk CBP. Fi serahan sebanyak: - RM100 dan RM6 untuk CBP; ATAU - 10% daripada nilai serahan dan CBP sebanyak 6% akan dikenakan ke atas fi serahan; yang mana lebih rendah.

21 Soalan-Soalan Lazim Fi pengurusan dana Fi berdasarkan pembahagian ekuiti-ekuiti dan pendapatan tetap unit dan ia tertakluk dalam lingkungan berikut: Caj minimum: 1.00% dari NAB setahun. Caj maksimum: 1.50% dari NAB setahun. Nota: Semua fi dan caj yang dikenakan boleh berubah dari semasa ke semasa dengan memberikan notis tiga bulan. Semua caj akan dipotong dari unit yang diperuntukkan untuk Sijil anda. 5. Bagaimana jika peserta meninggal dunia/mengalami HUMK sebelum mencapai umur empat tahun? Sekiranya berlaku kematian ke atas peserta/humk sebelum mencapai umur empat tahun, jumlah perlindungan yang akan dibayar di bawah Sijil adalah seperti berikut: Umur pada hari lahir akan datang pada saat kematian & ke atas Peratusan bagi jumlah perlindungan akan dibayar 25% 50% 75% 100% 6. Apakah syarat-syarat bagi pengeluaran sebahagian? Jumlah pengeluaran minima ialah RM1,000 dengan baki minima unit RM2,000, selepas pengeluaran. 7. Apakah penyakit dan keadaan sedia ada? Penyakit dan keadaan sedia ada bermaksud setiap keadaan kesihatan yang telah didiagnosis atau memerlukan rawatan perubatan sebelum bermulanya tarikh perlindungan takaful tanpa mengambil kira sama ada telah menerima rawatan atau tidak. 8. Bagaimana saya boleh mengetahui prestasi dana-dana saya? Anda boleh mengikuti harga unit yang diterbitkan setiap hari di akhbar-akhbar utama dan di laman web kami. 9. Apakah yang akan terjadi jika nilai unit dana saya menjadi sifar atau negatif? Setelah Sijil mempunyai baki unit sifar untuk semua dana, pemegang sijil mempunyai tempoh tiga 30 hari untuk membayar sumbangan atau sumbangan tambahan bagi Sijil mereka. Apabila tamat tempoh tersebut, Sijil akan luput. Pemegang sijil boleh menguatkuasakan semula Sijil dan tertakluk kepada peraturan dan prosedur penguatkuasaan semula yang digunapakai ketika itu.

22 ammetlifetakaful.com Distributed by / Diedarkan oleh: AmBank (M) Berhad (8515-D) AmBank Islamic Berhad ( U) Managed by / Diuruskan oleh: AmMetLife Takaful Berhad ( V) Head Office / Ibu Pejabat: Level 23, Menara 1 Sentrum, No. 201, Jalan Tun Sambanthan, Kuala Lumpur BKT/V4/0815

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