i-Great Abadi

Your one stop medical protection solution

i-Great Abadi allocates a 95% contribution allocation rate to your investments, starting from the first certificate year. On top of that, get rewarded an additional 2% Enhanced Allocation for every 3rd certificate year. Build your wealth whilst getting the right protection for your lifestyle.

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Key benefits

Flexibility to top up your investment value

You can boost your investment value with a minimum single contribution top-up of RM1,000, of which 95% of the contribution paid will be allocated to unit fund(s).

We care for you and your loved ones

i-Great Abadi provides financial assistance for you and your family in the event of death or TPD.

Accidental Death Benefit (ADB)

In the event of death due to accidental cause within 1^st certificate year, your family will receive additional ADB in one lump sum. The maximum amount of ADB is RM100,000.

Enhance your coverage

Customise your i-Great Abadi with these extra protections. Should you want to add the coverage for medical, critical illness or disability, the following riders are available for you to choose from:

i-Provider on TPD rider

i-Provider Plus rider

i-Contributor Rider

i-Contributor Benefit Plus Rider

i-Provider on DD Rider

How i-Great Abadi 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

1. i-Great Abadi is a regular contribution investment linked Family Takaful plan that matures at age 99 next birthday. 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. Contributions are payable until age 99 next birthday, or until death or Total and Permanent Disability whichever occurs first. You should satisfy yourself that this plan will best serve your needs and that the contributions payable under the certificate are affordable to you.

2. A free-look period of 15 days is given for you to review the suitability of the plan. If the certificate is returned to the Takaful Operator during this period, the Takaful Operator shall refund an amount equal to the sum of:

Total Account Values of the certificate based on the Net Asset Value at the next valuation date;
The investment values of the units which have been cancelled to pay for Tabarru’ and Service Charge; and
The amount of contributions that have not been allocated; minus the expenses incurred for the medical examination, if any.

3. Net Asset Value is the single price at which the certificate owner buys the units in a unit fund and sells the units back to the unit fund.

4. You may stop paying contributions and still enjoy protection as long as there are sufficient total values of the unit fund(s) to pay for the Tabarru’ and Service Charge, where applicable. However, there is a possibility of the certificate lapsing when the required charges, including Tabarru’, exceed the total value of the unit fund(s) available. Participating in too many riders may deplete the unit values.

5. Participating in an investment-linked family Takaful plan is a long-term commitment. You may get back less than your total contributions paid if you terminate your plan early due to the high initial cost incurred.

6. An investment-linked family Takaful plan is tied to the performance of the unit fund(s). The value of the unit fund(s) will be based on the actual performance of the fund(s) and is not guaranteed. Past actual performance is not a guide to future performance, which may be different. The investment risk under the plan will be borne solely by the certificate owner and the fund values may be less than the total contributions made to the unit fund(s).

7. Upon termination or expiry of this plan, no benefits will be payable from the Tabarru’ Fund.

8. Any amount of the contribution that has not been allocated to purchase units is used to meet the payment of commissions to intermediaries and general expenses of the Takaful Operator. The Takaful Operator reserves the right, in circumstances it considers exceptional, to suspend issuance or redemption of units.

Disclaimers