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Sun Enrich-i

 
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Savings and Protection that grow together

Sun Enrich-i is a limited pay universal takaful plan that provides death benefit, total and permanent disability (TPD) benefit, accidental death/TPD benefit, cash payout and final benefit. It is designed to ensure that you can financially prepare for the unforeseen future. The cash payout provides a steady cash flow into a separate unit fund account to ensure that your savings are invested and maximised. Furthermore, this plan offers 3 options for contribution payment and coverage term where
you can plan your savings needs to best suit your affordability and preference.
 

Benefits & Features

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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)
10 Pay 20 Term 10 20
15 Pay 25 Term 15 25
20 Pay 30 Term 25 30

 
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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.
 
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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
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:
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
event, PLUS
(B) additional 100% of the total takaful contribution paid (excluding top-up
contributions),
After 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) 105% of the value of the universal account, immediately following the date of event,
 
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.
 
cimb-40 Cash payout (CP)
  • CP from the universal account will be payable every two contract years starting from the end of the second contract year until maturity, provided that the contract is in force and all contributions are paid within the grace period of each contribution due date.
  • The CP will be reinvested into the investment-linked funds with 100% allocation. The contract holder can choose to invest in one or a mixture of the investment-linked funds offered under this plan. 
End of the contract year CP (percentage of the takaful annualised contribution)
10 Pay 20 Term 15 Pay 25 Term 20 Pay 30 Term
2,4 10% 10% 10%
6,8 15% 15% 15%
10,12 20% 20% 20%
14,16 25% 25% 25%
18,20 30% 30% 30%
22,24  NA 35% 35%
26,28  NA NA  40%
30 NA NA  50%
Total CP 200% 270% 400%

The value in the unit fund account may be less than the total cash payout reinvested into the  investment-linked fund(s).
 
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Final benefit
Upon maturity of contract, we shall pay the higher of:
  • the universal account value; or
  • a percentage of the takaful annualised contribution paid (excluding top-up contributions), provided all the contributions are paid within the grace period of each contribution due date.
10 Pay 20 Term 15 Pay 25 Term 20 Pay 30 Term
855% 1415% 2000%
 
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.
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© Sun Life Malaysia. All Rights reserved.
Sun Life Malaysia Assurance Berhad
Registration No: 199001005930 (197499-U)

Sun Life Malaysia Takaful Berhad
Registration No: 200501012215 (689263-M)

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