Protect and fulfil your life aspirations in one plan with cashback!

Everyone dreams of living a great life with their loved ones. This means being healthy, free from debt, having successful children pursuing their education at their chosen universities and being able to enjoy retirement comfortably with your partner without worrying about your expenses or cost of living.

i-Great Prestij is a Takaful plan with a savings element that not only protects you and your loved ones from any uncertainty, but also offers investment booster to fulfil your aspirations. 

From 1 - 30 September 2024, participate in the i-Great Prestij plan and get 8% cashback on your contribution for annual payment mode*! 

Benefits

• Takaful plan with savings element
  Get yourself or your loved ones protected against unfortunate incidents whilst increasing your savings to meet your financial goals.
  
  
• No medical underwriting 
  Get this protection plan without having to go through the hassle of medical underwriting.
  
  
• Flexible coverage & contribution terms 
  Choose coverage terms of 10, 15, 20 or 30 years with contribution payment terms of 5, 10 or 20 years.
  
  
• Investment booster benefit
  Upon survival of the Person Covered, a percentage of the annualised Basic Contribution will be payable from Tabarru' Fund 2 into the Participant’s Unit Account towards the purchase of units in accordance with the fund direction for Prestij Saver based on 100% allocation rate - according to the schedule below starting from the end of the 1st Certificate year annually until termination or maturity of the certificate, whichever occurs first.  

• Maturity booster benefit
  Upon maturity of this plan, a percentage total annualised Basic Contribution will be payable from Tabarru’ Fund 2 on top of the Maturity Benefit, as long as the Certificate stays inforce. 
  
  

  Contribution Payment Term	% Annual Contribution
  5 pay	100%
  10 pay and 20 pay	500%

• Maturity benefit 
  When your plan reaches maturity, you will receive the following amount:
  i. Maturity Value from the Tabarru’ Fund 2 (if any);
  ii. Cash Value in the Participant’s Individual Account (if any);
  iii. Total Account Value in the Participant’s Unit Account (if any); and
  iv. Total Account Value from i-Saver Rider (if any). 

• Attachable riders 
  Customise your Takaful plan for a comprehensive protection with these optional 3 riders:
  
  i-Saver rider
  95% of contributions payable will be allocated into the Participant’s Unit Account for savings and investment purposes.
  
  i-Provider Critical Illness term rider
  Provides future contribution in the event of Person Covered diagnosed with one of the critical illnesses except angioplasty.
  
  i-Contributor Protection Plus Term Rider 
  Provides future contribution in the event of Contributor's death, Total & Permanent Disability or diagnosed with one of the critical illnesses except angioplasty.
  
  Note: The optional riders stated above are contribution-paying rider(s). 

• Investment-linked Prestij saver contribution
  • 25% of Basic Contribution will be automatically deducted and allocated into the Participant's Unit Account as the Prestij Saver Contribution.
  • Upfront charge will be deducted from the Participant’s Unit Account (as a percentage of Contribution).
  • The contributions will be used to create units in the Takaful Fund(s) of choice. The Total Account Value of the Participant’s Unit Account will vary based on the actual performance of the unit fund(s).

• Total & permanent disability and death benefit
  In the event of Total & Permanent Disability (TPD) prior to the Certificate anniversary before 70 years attained age, or death prior to Certificate maturity, the following will be payable:
  
  

  Certificate Year	Due to Non-Accidental causes Upon death or TPD of the Person Covered due to Non-Accidental causes, the following shall be payable in one lump sum	Due to Accidental causes Upon death or TPD of the Person Covered due to Accidental causes, the following shall be payable in one lump sum
  1 & 2	Upfront Charge of the basic plan, Total Tabarru' charged (inclusive of Tabarru' Fund 1 and 2) under basic plan, less distributed Investment Booster, Underwriting Surplus, and Surplus (if any)  Cash Value in the Participant’s Individual Account (if any), and Total Account Value in the Participant’s Unit Account (if any).	The higher of: 105% of Total Basic Contribution Paid plus Single Contribution Top Up minus any Partial Withdrawal made; or Cash Value in the Participant's Individual Account plus Total Account Value in the Participant's Unit Account. PLUS: Surrender Value from the Tabarru’ Fund 2 (if any), and Total Account Value from i-Saver Rider, if any.
  ≥3	The higher of: 105% of Total Basic Contribution Paid plus Single Contribution Top Up minus any Partial Withdrawal made; or Cash Value in the Participant's Individual Account plus Total Account Value in the Participant's Unit Account. PLUS: Surrender Value from the Tabarru’ Fund 2 (if any), and Total Account Value from i-Saver Rider, if any.

• Compassionate benefit
  Upon death of Person Covered, the Compassionate Benefit shall be payable from Tabarru' Fund 1.
  
  

  Certificate Year	Due to Non-Accidental causes Upon death or TPD of the Person Covered due to Non-Accidental causes, the following shall be payable in one lump sum	Due to Accidental causes Upon death or TPD of the Person Covered due to Accidental causes, the following shall be payable in one lump sum
  1 & 2	Not applicable	A lump sum amount of RM2,000 per certificate
  ≥3	A lump sum amount of RM2,000 per certificate

• Badal Hajj, Waqf and Hibah services
  
  Badal Hajj (Hajj by proxy)
  In the event of your passing, we will ensure that your Hajj obligation is fulfilled by an able body or an organisation. This is an optional service and you will need to fill in the Hajj by Proxy Service Form. Applicable to Muslims only and the amount of benefit received upon death must be sufficient to deduct the service.
  
  Waqf (Endowment) service
  In the event of your passing, an amount as previously agreed by you from the Death Benefit, if applicable, will be channelled to a waqf body appointed by Great Eastern Takaful for this purpose. This is an optional service and you will need to fill in the Waqf Services Form.
  
  Hibah (Gift) for loved ones or charity
  Provide for your beneficiaries and/or your chosen charitable organisation when you sign up for i-Great Prestij. Fill in the nomination form for your beneficiaries and the assignment form for your chosen charity. Provide for BOTH at the same time, only with Great Eastern Takaful. 
  
   

Terms and conditions apply.

• Participant’s Individual Account refers to the individual account into which the contribution and underwriting surplus (if any) and/or investment profit (if any) arising shall be allocated. 
• Participant’s Unit Account is an account where units are allocated depending on the amount of contributions paid.
• Takaful Benefit will be payable from the Tabarru' Fund 1. Tabarru' Fund 1 refers to a pool of funds established for the purpose of solidarity and cooperation among the Participants that is used to help all Participants in the event of misfortune. 
• Investment Booster and Maturity Booster Benefits will be payable from the Tabarru' Fund 2. Tabarru' Fund 2 refers to a pool of funds established for the purpose of solidarity and cooperation among the participants that is used to provide survival benefits such as the Investment Booster and Maturity Booster benefits.