i-Great Mega Plus | Where protection meets legacy
i-Great Mega Plus | Where protection meets legacy
i-Great Mega Plus is a next-generation investment-linked solution crafted for those who seek elevated protection and long-term financial planning. With flexible contributions and customizable coverage terms, it adapts seamlessly to your evolving lifestyle and aspirations. Thoughtfully designed to deliver both protection and growth, it not only preserves what matters most but also offers the potential returns over time - supporting a lasting legacy of financial strength and confidence.
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Product disclosure sheet
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High Basic Sum Covered
Minimum: RM300,000
Maximum: Subject to Underwriting
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Loyalty Benefit
At the end of every 5th certificate year during the contribution payment term, 5% of the annual contribution may be credited into the PUA, as long as the contributions are paid up to date and made on timely basis, and no partial withdrawals from Participant's Unit Account (PUA) are made. The benefit is payable from Takaful Operator's Fund as a Hibah (gift) to the Participant
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Maturity Booster Benefit
Upon maturity, 1% of Basic Sum Covered may be credited into the PUA, as long as the contributions are paid up to date and paid on time. This benefit is payable from Takaful Operator's Fund as a Hibah (gift) to the Participant.
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Total & Permanent Disability Benefit
In the event of Total & Permanent Disability (TPD) while the Certificate is in force and prior to the certificate anniversary on which the Person Covered attains age 70 next birthday, the higher of the following will be payable:
a) Basic Sum Covered; or
b) Total Account Value in PUA.
An overall TPD limit of RM8mil shall apply on any one Person Covered under all individual and credit-related certificates (excluding group certificates) issued by the Takaful Operator. Per life limit of RM 8mil will be applicable to children. However, if TPD occurs prior to the certificate anniversary on which the Person Covered attains age 5 years next birthday, a child lien as per Death Benefit shall apply on BSC. Full TPD coverage will be given from age 5 next birthday onwards.
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Death Benefit
Upon Death of the Person Covered, the higher of the following will be payable:
a) Basic Sum Covered; or
b) Total Account Value in PUA.
In the event of death occurring before age of 5 years next birthday Child Lien is applicable on the Basic Sum Covered payable. -
Accidental Death Benefit
Upon accidental death of the Person Covered prior to the certificate anniversary on which the Person Covered attains age 70 years next birthday, an additional amount of percentage of the Basic Sum Covered shall be payable from the Tabarru’ Fund, on top of the Death Benefit, based on the Loss as follows:
Loss ADB
(% of Basic Sum Covered (BSC))Accidental death in Malaysia 100% Accidental death in Malaysia, caused by the following events:
i. while traveling as a passenger in a Public Conveyance; or
ii. riding as a passenger in an elevator or electric lift (elevator or electric lift in mines or in a building under construction is excluded); or
iii. in consequence of the fire at any hotel or other public buildings (except theatre or cinema) in which the Person Covered shall be present at the time of commencement of the fire.200% Accidental death outside Malaysia 300% The same Child Lien as per Death Benefit is applicable on the Accidental Death Benefit.
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Understand the details before participating
1. i-Great Mega Plus is a regular contribution Investment-Linked Family Takaful (“ILT”) plan that provides coverage on Death or Total Permanent Disability, Accidental Death and pays TAV amount upon maturity. This 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 trust.
2. Age refers to age next birthday. Contributions are payable following the contribution payment term or upon death or Total & Permanent Disability of the Person Covered, or termination of the Certificate, whichever occurs first. Contribution shall also be level throughout the contribution term.
3. You may stop paying contributions and still enjoy protection as long as there is sufficient amount of money in the PUA to pay for the Tabarru’, where applicable. However, Loyalty Benefit may not be payable and there is a possibility of Certificate lapsing when the required charges, including Tabarru’, exceed the TAV available in the PUA. The contributions that you pay contribute to both the savings and protection elements of the product, e.g., Death Benefit. If you are looking for financial products with savings elements, you may wish to compare annualised returns of this Takaful Certificate with the effective returns of other investment alternatives.
4. You should be convinced that this plan will best serve your needs and that the contributions payable under the Certificate are affordable by you.
5. A “Free-Look Period” of 15 days from the delivery 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 Account Value of this Certificate;
iii. Any Tabarru’ and Service Charge which have been deducted;
upon which the Certificate shall be deemed cancelled and our liability shall cease. Less the expenses incurred for the medical examination (if any).
6. You may receive the Total Account Values in the PUA (if any) upon termination, surrender or maturity of this plan, which may be less than the total allocated contribution into the PUA. No benefits will be payable from the Tabarru’ Fund upon termination or maturity.
7. PUA 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 PUA may be less than the total contributions contributed to the fund. There is a possibility of the Certificate lapsing when the required charges (including Tabarru’) exceed the total value of the PUA available. The sustainability of the plan depends on the performance of the underlying fund(s).
8. Participating in a Family Takaful plan is a long-term financial commitment. If you do not pay your contributions within the grace period of 30 days, your Certificate may lapse. The accumulated 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.
9. 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.
This information merely provides general information only and is not a contract of Family Takaful. You are advised to refer to the Benefit Illustration, Product Disclosure Sheet and sample Certificate for detailed features and benefits of the plan before participating in the plan. For further information on the investment-linked funds, please refer to the Fund Fact Sheets.
Great Eastern Takaful Berhad is a member of PIDM. The benefit(s) payable under eligible certificate/product is (are) protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Great Eastern Takaful Berhad or PIDM (visit www.pidm.gov.my).