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Built to grow wealth that lasts a lifetime

A structured plan that gives you control over how your wealth is protected, grown, and eventually transferred.
Start as late as age 85 ‑ among the highest entry ages in the market, with protection up to age 99, with just 3 years of commitment. And with the Death Settlement Option (DSO), your wealth is not left as a lump sum, but structured to be paid out over time — so it reaches the right people, at the right moments and when it matters most.

Benefits & Features

Comprehensive protection

The higher of the sum covered1, up to 125% of the total contribution paid or the value of Investment Account 1, together with the value of the Investment Account 2 (if any) will be payable upon death or total and permanent disability (TPD)2
Note: The sum covered shall depend on the person covered’s entry age.

Short commitment, long-term protection with wide entry age eligibility

With entry age up to 85, you can start later in life and enjoy protection up to age 99, with just 3 years of contribution

Loyalty reward

As a reward for staying with us, 8% of annualised contribution will be credited into Investment Account 1 as a loyalty reward every 8 contract years, starting from the end of the 8th contract year, until the end of the contract term.

Hassle-free enrolment

  • Guaranteed acceptance (up to RM1,500,000 annualised contribution)
    • Get covered with no medical underwriting or check‑up required, within the guaranteed acceptance limits below:
      • Ages 0–55: Up to RM500,0003 annualised contribution
      • Ages 56–85: Up to RM1,500,0003 annualised contribution
  • Simple enrolment (for annualised contribution above guaranteed acceptance limits)
    • For higher contribution amounts, enjoy a hassle‑free enrolment process with just a few simple health questions, within the limits below:
      • Ages 0–55: Up to RM1,000,000 annualised contribution
      • Ages 56–85: Up to RM3,000,000 annualised contribution

Full contribution allocation

Your contribution — whether regular or single top-up — is fully allocated to your plan and invested in the funds of your choice.

Final benefit: More than you put in

Upon plan maturity, you will receive the higher of the sum covered or the total account value

Legacy Inheritance & Family Empowerment (“L.I.F.E.”)

  • A thoughtful feature designed to support your legacy planning, formally referred to as the Death Settlement Option (DSO), ensuring your benefits are passed on according to your wishes. For the details of this option, click here to Find out more.

1 The total deducted tabarru’ and monthly wakalah, which are payable from the Participants’ Tabarru’ Fund if death/TPD due to non-accidental happens within 24 months from the contract commencement date
2 Total and Permanent Disability coverage will be provided until the plan monthly anniversary immediately following the 75th birthday of the person covered.
3  Single or multiple proposals with accumulated total annualised contribution above RM500,000/RM1,500,000 is subject to a health questionnaire declaration.

Note: Terms and conditions apply.

 
 
Key Information Pager
Product Disclosure Sheet

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).

 

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