PRUDENTIAL TAKAFUL UMMAH LINK

UMMAH LINK

IN YOUR QUEST FOR LIFE FULFILMENT, PLAN AHEAD

How many of us have put aside some savings to use when we encounter an unexpected financial crisis?

We spend years of planning towards a comfortable future but sometimes still not enough to take care of things that matter in our life. Whether you are planning to perform Hajj or Umrah, building education or retirement fund or simply having some extra cash to enjoy a nice vacation with your family, you need a reliable plan that fulfils your every quest in life. PruBSN UmmahLink takes you one step ahead in growing your savings whilst providing you with the necessary protection for your life plans. With PruBSN UmmahLink, you will receive back your savings through cash payout every two years, enjoy life and financial protection as well as having information at your fingertips that will take you a step closer towards life fulfilment.

Build and Safeguard your Quest

• Savings and Cash Payout Protection
• Accumulate your savings through CashBuilder with cash payout
  every two years.
• Entitlement for a series of lucky draws through your savings.

Optimise Potential Investment Returns

• Optimise your investments via investing in the Takafulink Funds.
• Ease financial burden with Death or Total and Permanent Disability (TPD) Benefit, Double Takaful Benefit, Badal Hajj Benefit and Compassionate Benefit. Extend your coverage in medical, critical illness and other life protection benefits for total peace of mind.
• Guides you to a remarkable spiritual journey with information at your fingertips.
• Plan Ahead for Endless Reward CashBuilder is a saving instrument that can be customised to assist you in your quest for life fulfilment where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). One portion of the CashBuilder provides cash payout every two years for better financial planning with the amount that you decide to have. You may decide whether to accumulate the cash payout in your Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your Tabung Haji account or personal savings account if you are planning to perform Hajj or Umrah or your other quests in life. In order to optimise your investment growth, the other portion provides potential returns through investment in Takafulink Dana Ekuiti.
  Below is an illustration of how PruBSN UmmahLink with CashBuilder rewards you in the long run.

EXAMPLE :

• RM1,000 cash payout every two years (auto-transfer to Tabung Haji* / savings account) Total cash payout over 30 years = RM15,000 Maturity amount from CUA at year 30 = RM6,600
• Potential investment return Total projected cash value
  (excluding total cash payout and maturity amount from CUA) at year 30: Scenario 1 = RM137,098 Scenario 2 = RM55,629

The above diagram is for illustration purposes only based on male, 30 years old, and nonsmoker with sum covered of RM200,000 and RM1,000 cash payout for every two years. The total projected cash value from your investment portion is based on investment in the Takafulink Dana Ekuiti and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and 2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti respectively, and 2.42% and nil for Takafulink Dana Simpanan respectively. That’s not all. Your savings through CashBuilder entitles you for a series of lucky draws carried out by Bank Simpanan Nasional (BSN) through their Sijil Simpanan Premium (SSP)** draws, thus giving you opportunities to win attractive prizes! ** SSP (which includes the lucky draws) is a Shariah-compliant product approved by the Shariah Committee of Bank Simpanan Nasional. Subject to terms and conditions.

PROTECT WHAT MATTERS THE MOST

BASIC COVERAGE

• Sum covered in the event of loss of life or Total and
  Permanent Disability (TPD).

COMPASSIONATE BENEFIT

• Provides RM2,000 for funeral expenses in the event of death

BADAL HAJJ

• In the event that you are incapable of performing Hajj due to loss of life or TPD, the Badal Hajj benefit opens up the possibility for your nominee to perform Hajj on your behalf with amount payable of RM3,000.
• For non-Muslim customers, this benefit is payable as additional compassionate benefit.

DOUBLE TAKAFUL BENEFIT

• Double basic sum covered amount in the event of loss of life or TPD during any Hajj or Umrah trip

ENHANCED BENEFITS

• Choice to enhance your plan to complement your life style and needs with additional coverage on medical, critical illness, accidental or disability.

About PruBSN UmmahLink

PruBSN UmmahLink is a regular contribution investment-linked takaful plan that provides you with protection, investment and savings.

How much is the contribution?

• The minimum contribution is RM150 per month including the contribution of CashBuilder. The contribution for the CashBuilder is based on the cash payout amount.

Who is eligible for this plan?

• The plan is open to individual aged between 19 and 70 years old. The expiry age of the plan is 80 years old. Age refers to Age Next Birthday.

What are the charges and deductions?

• The details of charges and deductions are listed in the table on the next page. All charges are not guaranteed. PruBSN reserves the right to change the rates by giving prior notice to customers.