Sinar Wasilah is a limited-pay investment-linked takaful plan designed to provide both protection and investment opportunities. With a short contribution term and coverage up to age 99, this plan supports long-term financial security through short-term financial effort.
Short-term contribution
Contribution term as short as 3 years with coverage of up to age 99
Death/Total and Permanent Disability (TPD) benefit
Higher of:
together with the value of Investment Account 2 (if any) as at the valuation date immediately following the date of event, subject to the juvenile lien and the deduction of any indebtedness
Accidental death/TPD benefit
On top of the death/TPD benefit, additional payout will be payable if the death/TPD occurs due to accident. The benefit payable is based on the nature and location of the incident as follows:
| Benefit payout (excluding top-up contributions) |
Accidental death | Accidental TPD | Accidental death occurring while oversea |
|---|---|---|---|
| Additional 100% of total contribution paid | √ | √ | X |
| Additional 200% of total contribution paid | X | X | √ |
Peaceful giving benefit
On top of the death benefit, an additional 10% of the annualised takaful contribution or RM10,000, whichever is lower, will be payable with options of payout to:
Final benefit
Upon maturity of contract, 100% of the total account value will be payable as at the valuation date immediately following the benefit end date, less any indebtedness
Note: Terms and conditions apply.
Protection by PIDM on benefits payable from the unit portion of this certificate/policy/contract is subject to limitations. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).