i-Great Duo

Takaful protection with investment that helps build your wealth for future generation

We are right here to guide you before you invest and suggest the best investment plans to secure your future generation. With wealth protection we ensure to protect your family against any unexpected hazards.

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Key benefits

Enhanced allocation

You may receive an additional 2% allocation of your Basic Contribution for every 3rd contribution year for the first 10 contribution years. This benefit may be payable as a hibah (gift) from us to you.

Flexible options

Choose your investment strategies according to your needs and goals. i-Great Duo provides you with the options to:
• perform withdrawals
• top-up your Participant’s Unit Account via single contribution top-ups at a minimum of RM1,000 each at anytime
• switch between our 3 funds as and when your needs change.

No-Lapse facility

i-Great Duo comes with a No-Lapse Facility in the first three Certificate years. This valuable feature ensures that your Certificate will continue to remain in force even if your Total Account Value in Participant's Unit Account becomes zero, so long as the contributions are paid consistently on each contribution due date or during grace period and no withdrawal is made within the first three Certificate years.

Maturity benefit

When your Certificate reached maturity, you will receive the Total Account Value available from the Participant’s Unit Account if any.

How i-Great Duo works

Notes and disclaimers

Please do take note of the below to ensure you fully understand what this product does and does not cover. If in doubt, contact your Great Eastern Takaful Advisor.

Important Notices

i-Great Duo is a regular contribution Investment-linked Family Takaful plan that provides coverage upon Death or Total Permanent Disability of the Person Covered. This plan is a Family Takaful product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.
Age refers to age next birthday.
Contributions are payable until death or Total & Permanent Disability of the Person Covered, or termination of the Certificate, whichever occurs first.
You may stop paying contributions and still enjoy protection as long as there are sufficient amount of money in the Participant’s Unit Account to pay for the Tabarru’ and Service Charge, where applicable. However, you will not be able to enjoy the No-Lapse Facility benefit if you stop paying contributions within the first 3 Certificate years.
You should be convinced that this plan will best serve your needs and that the contributions payable under the Certificate are affordable to you.
A “Free-Look Period” of 15 days from the delivery date of the Certificate is given for you to review the suitability of the plan. If the Certificate is returned to us during this period, we shall refund an amount equal to the sum of:
i. any unallocated contributions;
ii. total values in Participant’s Unit Account (if any) of this Certificate; and
iii. any Tabarru’ and Service Charge which have been deducted, upon which the Certificate shall be deemed cancelled and our liability shall cease.
You may receive the total values in Participant’s Unit Account (if any) upon termination or maturity of this plan, which may be less than the total allocated contribution into the Participant’s Unit Account. No benefits will be payable from the Tabarru’ Fund.
The Participant’s Unit Account will be based on the actual performance of the fund and is not guaranteed. The investment risks under this plan will be borne solely by you and the Participant’s Unit Account may be less than the total contributions contributed to the fund. There is a possibility of Certificate lapsing when the required charges (including Tabarru) exceed the total value of the Participant's Unit Account available.The sustainability of the plan depends on the performance of the underlying fund(s).
Participating in a Family Takaful plan is a long-term financial commitment. The total account value that you may get when you cancel the Certificate before maturity period will be much less than the total amount of contribution that you have paid.
If you switch your Certificate from one Takaful Operator to another or if you replace your current Certificate with another Certificate within the same Takaful Operator, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of switching or replacement.

Disclaimers

i-Great Duo | Wealth Accumulation & Protection Plan