Sun Enrich Extra-i is a limited pay universal takaful plan offering comprehensive protection, including death, total and permanent disability (TPD), and accidental death/TPD benefits — with additional coverage for accidental causes occurring while overseas. This plan provides flexibility with your cash payouts, allowing you to choose between direct payout or reinvestment into investment-linked fund to enhance your savings growth.
With flexible contribution and coverage terms, Sun Enrich Extra-i lets you tailor your plan to suit your financial goals and affordability, giving you confidence and peace of mind for the future.
Choice of contribution payment and contract term
Flexibility to choose the contribution payment and contract term that best suits your affordability and preference.
| Plan options | Contribution payment term (years) | Contract term (years) |
|---|---|---|
| 5 Pay 15 Term | 5 | 15 |
| 5 Pay 18 Term | 5 | 18 |
| 10 Pay 20 Term | 10 | 20 |
| 20 Pay 30 Term | 20 | 30 |
Easy enrolment with no underwriting required
Hassle-free enrolment* for all applicants with no medical underwriting and check-up required.
* Not applicable for foreigner application, whereby underwriting may be applicable.
Death / TPD benefit
Upon death/TPD of the person covered, we shall pay the following:
| Date of event | Cause of death/TPD | ||
|---|---|---|---|
| Natural causes | Accidental causes* | Accidental causes occurring while overseas* | |
| Within 24 months from the contract commencement date | Higher of:
i) 100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR ii) 100% of the value of the universal account, immediately following the date of event, |
(A) Higher of: |
(A) Higher of: i) 100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR ii) 105% of the value of the universal account immediately following the date of death/TPD; Plus (B) additional 200% of the total takaful contribution paid (excluding top-up contributions), * If the death/TPD of the person covered is due to an accident in overseas and occurs within 180 days from the date of the accident. This benefit shall be payable if the person covered resides and travels outside Malaysia for not more than 90 consecutive days. |
| After 24 months from the contract commencement date |
Higher of: |
||
together with the reinvested cash payout in the unit fund account (if any) as at the valuation date immediately following the date of event, less any indebtedness.
Cash payout (CP)
| End of the contract year | CP (percentage of the takaful annualised contribution) | |||
|---|---|---|---|---|
| 5 Pay 15 Term | 5 Pay 18 Term | 10 Pay 20 Term | 20 Pay 30 Term | |
| 1 - 10 | 9% | 9% | 9% | 9% |
| 11 – 15 | 18% | 18% | 18% | 18% |
| 16 - 17 | NA | 18% | 18% | 18% |
| 18 | NA | 88% | 18% | 18% |
| 19 | NA | NA | 18% | 18% |
| 20 | NA | NA | 88% | 18% |
| 21 - 29 | NA | NA | NA | 27% |
| 30 | NA | NA | NA | 88% |
Final benefit
Upon maturity of contract, we shall pay the universal account value, together with the reinvested cash payout in the unit fund account (if any) as at the valuation date immediately following the benefit end date, less any indebtedness.
Note: Terms and conditions apply.
The benefit(s) payable under eligible certificate/policy/contract is(are) protected by PIDM up to limits. 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).