Sun Heritage Plus-i is an investment-linked Takaful plan that provides up to RM5 million protection, without the need for a medical check-up. It offers the flexibility to choose your contribution term, empowering you to plan according to your financial goals. With its loyalty booster, your investment value grows stronger over time — helping you accumulate and preserve wealth for future generations. Because a true legacy isn’t left behind — it lives on.

Death and Total and Permanent Disability (TPD) benefit:
Higher of the basic sum covered or total account value upon death or TPD of the person covered. Upon the accidental death or TPD of the person covered, an additional amount of up to 300% of the basic sum covered will be payable on top of the death or TPD benefit payable.

Funeral benefit:
RM5,000 will be payable in advance upon death claim notification and the claim will be approved within the next working day

Loyalty Booster
An additional amount of up to 12% of current basic sum covered will be allocated into investment account 1 at the end of 20th contract year or age 70, whichever is later, and every 10 contract years subsequently until the initial contract term selected.

Extension of Takaful Coverage:
Upon expiration of the contract term, the takaful protection will be extended to age 99, with no underwriting assessment.

Maturity Benefit:
It will be payable as a longevity celebration when you survive until age 99.

Multiple expiry age/contract term options:
Up to age 70, 80 or 99 and fixed contract term of 15 years.

Flexible contribution payment terms:
6 years, 10 years, 20 years or full term.

High non-medical limit:
Up to RM5.0 million takaful protection with no medical check-up required.

Optional riders to enhance your protection:
Heritage CI Care-i, Heritage Term Care-i, Heritage Waiver-i, Heritage Payor Waiver-i.
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).