InvestLink-i

plan to optimise
your future

funds for
potential returns

RM

thousand
minimum single
contribution

Its good to take control of

your future

InvestLink-i
Take Control of Your
Financial Future
In todays volatile financial climate, the
security of your future is very important.
You want to optimise and secure your
future with an investment that provides
good potential returns. InvestLink-i
diversifies your investment potentials
and provides you and your family with
vital protection.
InvestLink-i is a single contribution
i nv e s t me nt -lin k e d t a k a f u l p l a n
underwritten by Prudential BSN Takaful
Berhad (PruBSN) and distributed by
Standard Chartered Saadiq Berhad
(Standard Chartered Saadiq).

Why Choose the InvestLink-i Plan?

Satisfy Your Risk Appetite
InvestLink-i provides you with potential returns according to
your risk appetite. You can choose from three available funds
to invest in:
Takafulink Dana Ekuiti
Designed for individuals with high risk tolerance and medium
to long-term investment horizon.
Invest in high quality Shariah-approved equities listed on
Bursa Malaysia.
Takafulink Dana Bon
Designed for individuals with low to moderate risk tolerance
and medium to long-term investment horizon.
Invest in selected Islamic Private Debt Securities (IPDS) and
Islamic Financial Facility (IFF).
Takafulink Dana Urus
Designed for individuals with moderate to high risk tolerance
and medium to long-term investment horizon.
Invest in Shariah-approved equities, IPDS and IFF through
Takafulink Dana Ekuiti and Takafulink Dana Bon, and in any
other Takafulink funds available in the future.

Achieve Your Goals

You want to provide a substantial education fund for your child
or build a comfortable retirement fund for you and your spouse.
InvestLink-i is made to assist you in achieving your financial
goals.
Invest with Protection
InvestLink-i helps you grow your money and at the same time
provides you with vital protection. You and your loved ones are
protected in the event of your demise or Total and Permanent
Disability (TPD).
Switch as You Desire
There is no limit to the number of switches you can perform
every year. InvestLink-i allows a minimum of RM1,000 per
switch.
No Hidden Charges
InvestLink-i provides a hassle-free transaction process with no
switching, surrender and service charges.

What are the Benefits of the

InvestLink-i Plan?
Death Benefit
In the event of your demise, your beneficiary will receive the sum
covered or account value, whichever is higher.
Total and Permanent Disability (TPD) Benefit
In the event of TPD, you will receive the sum covered or account
value, whichever is higher.
Maturity Benefit
You will receive the account value when your plan reaches
maturity.
Surrender Benefit
You will receive the account value when you surrender your
certificate.

Frequently Asked Questions (FAQs)

Who is eligible?
You are eligible for InvestLink-i as a participant if you are
between 19 to 70 years old and as a covered person if you are
between 14 days to 70 years old.
How much is my contribution?
The minimum amount for a single contribution is RM5,000, and
a top-up contribution is RM1,000.
The maximum single contribution amount is RM1 million. If you
invest more than that, the excess will be considered as a top-up
with no extra coverage.
What is the sum covered?
The sum covered for a standard life is as follows:
Age Next Birthday

Sum Covered

14 days 60 years

125% of single contribution MINUS withdrawal

(if any), subject to minimum of RM5,000

61 years 70 years

105% of single contribution MINUS withdrawal

(if any), subject to minimum of RM5,000

Scenario A
Adam is a 50 year-old doctor. He wants to live the retirement of
his dreams. So, he paid a single contribution of RM100,000 for
InvestLink-i. Adam is healthy and has no hereditary disease.
This makes Adam a standard life and his coverage amount is
RM125,000.
Scenario B
Hawa is a 62 year-old retiree. She wants to leave her only
granddaughter, Suri a legacy. So, she paid a single contribution
of RM50,000 for InvestLink-i. Hawa has never had any illness
that requires regular medical care. Since she is more than 60
years old, her coverage amount is RM52,500.
Scenario C
Lukman is a 35 year-old businessman. He wants to invest the
money he earns from a recent business venture. So, he paid
a single contribution amount of RM30,000 for InvestLink-i.
Lukman has applied for a takaful coverage with another takaful
operator and was declined due to his medical condition. This
makes Lukman a substandard life and his coverage amount is
RM31,500.
The sum covered for a substandard life is 105% of the
single contribution MINUS withdrawal (if any), subject to a
minimum of RM5,000.

The sum covered for a child is as follows:

Childs Age Next
Birthday
% Single
Contribution

5&
above

105%

110%

115%

120%

125%

When can I perform a partial withdrawal?

You can perform a partial withdrawal at any time under the
following conditions:
1. Minimum partial withdrawal is RM1,000 per transaction.
2. Minimum balance in your account after partial withdrawal is
RM1,000.
Any withdrawal will reduce your sum covered accordingly.
What are the charges and deductions involved in InvestLink-i?
The details of charges and deductions are listed in the table
below:
Type of Charges
and Deductions

Details

Upfront wakalah
charge

5% of single
contribution.

contribution

and

top-up

It is used to pay commission to Standard

Chartered Saadiq as distributor of the plan.
The balance is used for PruBSNs distributionrelated expenses as well as management
expenses.
Asset management
charge

Tabarru

It is made on a daily basis every year from your

investment account value for your investment
management expenses.
Takafulink Dana Bon

0.5% p.a.

Takafulink Dana Urus

1.3% p.a.

Takafulink Dana Ekuiti

1.5% p.a.

An amount is deducted each month from your

investment account based on your age and
sum at risk.

How much is the commission?

The payable commission to Standard Chartered Saadiq as
distributor of the plan is part of the upfront wakalah charge.
The illustration below is based on InvestLink-i with a single
contribution of RM20,000 for entry age 35 and expiry age 80.
Year

Proportion deducted for

distribution cost (%)

Amount payable (RM)

400.00

2.00

0.25

50.00

0.25

50.00

Important Notes
1. This is a takaful product that is tied to the
performance of the underlying assets and it is not
a pure investment product such as unit trust.
2. This brochure does not form a contract between
you and PruBSN. Please refer to the Plan Illustration,
Product Disclosure Sheet and Fund Fact Sheet before
participating in the plan. The full Terms and Conditions
are set out in the certificate documents. Please ask for
a sample of the Terms and Conditions should you need
detailed information on the plan.
3. This brochure is published for informational
purposes only and does not consider the specific
financial objectives, situation and needs of any
specific person.
4. Unless stated otherwise in this brochure, Age refers
to Age Next Birthday.
5. The returns from your fund will be based on
the actual performance of the fund and it is not
guaranteed.
6. The investment risk of your fund is borne solely by
you and the benefits may be less than your total
contributions.
7. For InvestLink-i, you are entitled to tax relief in
respect of your contribution of up to RM6,000. Any
tax relief is subject to terms and conditions by the
Inland Revenue Board (IRB).
8. InvestLink-i does not provide any benefit amount
from the Tabarru Fund on termination, expiry or
maturity of certificate.
9. The plan may be cancelled by a written request to
PruBSN within 15 days from the delivery date of the
certificate documents, in which case PruBSN shall
refund the unallocated contribution and any Tabarru
that have been deducted from the contributions that
you received plus the remaining value of units in your
account at the unit price on the next valuation date.

10. Participating in an investment-linked takaful plan

is a long-term commitment. An early termination of
the certificate usually involves high costs and the
surrender value payable may be less than the total
contributions paid.
11. InvestLink-i is based on Wakalah Bil Ajr model
which is an arrangement for PruBSN to manage your
takaful plan. Your contribution will be placed in your
account after deducting a wakalah charge which
constitutes the fee for the overall management
services provided. The takaful protection comes
from the Tabarru Fund.
12. Tabarru means a donation of a specified portion
from the contribution in the Tabarru Fund for the
purpose of mutual aid and assistance among fellow
participants according to the agreed benefits under
the plan.
13. You are entitled to receive any distributable surplus
inclusive of investment profit (if any) at the end of
each financial year. Together with other participants,
you are entitled to at least 50% of the surplus and
PruBSN will receive the balance of up to 50% as
incentive for managing the Tabarru Fund. Your
portion of the distributable surplus will be placed
back in your account. The exact amount of
distributable surplus will be determined annually
and is subject to approval by both the Shariah
Committee and the Board of Directors of PruBSN.

Exclusions
InvestLink-i will not cover any of the following situations:
1. Death that is caused by suicide within one year of
the certificate date.
2. TPD that is directly or indirectly caused by attempted
suicide or self-inflicted injuries while sane or insane.
3. TPD that is directly or indirectly caused by engaging in
aerial flights (including parachuting and skydiving) other
than as a crew member of or as a fare-paying passenger
on a licensed passenger-carrying commercial aircraft
operating on a regular scheduled route.
4. TPD that is directly or indirectly caused by engaging
in professional sports, scuba diving, racing of
any kind or any dangerous activities or sports
(including bungee jumping, hang-gliding, ballooning,
parachuting and skydiving).
5. Death or TPD that is caused by a pre-existing condition.
The exclusion and limitations above are not exhaustive
and you should refer to the certificate document for
further information.

Find out how best to protect your family and yourself through
a complete and suitable plan made especially for you. Get the
most for you and your family from PruBSN.
Contact or visit your nearest Standard Chartered Saadiq
Berhad or Standard Chartered Bank Malaysia Berhad branch
to get yourself the right kind of protection today.

InvestLink-i is a Shariah-compliant product.

Prudential BSN Takaful Berhad is a registered Takaful Operator
under the Islamic Financial Services Act 2013 and is regulated by
Bank Negara Malaysia. Prudential BSN Takaful Berhad, being the
underwriter of InvestLink-i, is fully responsible for the product and
benefits offered in this plan including representations made in this
brochure. Standard Chartered Saadiq Berhad is the third party
distributor and accepts no liability for the products and services
offered by Prudential BSN Takaful Berhad.

For more information, please contact:

Prudential BSN Takaful Berhad
Tel: 03-2053 7188
Fax: 03-2072 6188
Email: customer@prubsn.com.my or log on to
www.prubsn.com.my

Standard Chartered - 1300 888 888

This plan is underwritten by:

Prudential BSN Takaful Berhad (740651-H)
Level 8A, Menara Prudential
No. 10, Jalan Sultan Ismail
50250 Kuala Lumpur
This plan is distributed by:
Standard Chartered Saadiq Berhad (823437K)
Level 16, Menara Standard Chartered
30, Jalan Sultan Ismail
50250 Kuala Lumpur
IMPORTANT: You must ensure that you are satisfied that this
product will best serve your needs and that the contribution
payable under the certificate is an amount you can afford.
All information is correct at the time of print. Printed 4 December 2013.

Branch Directory
Standard Chartered Saadiq Berhad Financial Centres:
Ampang Point
44, Jalan Mamanda 9, Ampang Point, 68000 Selangor Darul Ehsan
Bangsar
No. 44 & 44A, Jalan Telawi 5, Bangsar Baru, 59100 Kuala Lumpur
Bukit Tinggi, Klang
A-G-2 Ground Floor South Tower, Tower A (BBT One The Towers), Lebuh Batu Nilam
Satu, Bandar Bukit Tinggi, 41200 Klang
Kota Kinabalu, Sabah
G-813 Ground Floor, 1 Borneo Hypermall, Jalan Sulaman, 88400, Kota Kinabalu, Sabah
Laman Seri, Shah Alam
G15, Blok 3, No. 7, Persiaran Sukan, Laman Seri Business Park, Seksyen 13, 40100
Shah Alam, Selangor Darul Ehsan
Nusa Bestari, Johor Bahru
No 1, Jalan Bestari 8/2, Taman Nusa Bestari, 81300 Skudai, Johor Bahru
Taman Connaught, Cheras
140, Jalan Cerdas, Taman Connaught, Cheras 56000 Kuala Lumpur
Taman Tun Dr Ismail
50, 52 & 54, Jalan Burhanuddin Helmi, Taman Tun Dr Ismail, 60000 Kuala Lumpur

Standard Chartered Saadiq Berhad Express

Banking Centres:
Gurney Plaza, Penang
170-G-56 Gurney Plaza, Persiaran Gurney 10250 Penang
The Spring, Kuching
Lot B10 & B11, Basement Floor, The Spring Shopping Mall Plot 1, Lot 7196, Section 64,
KTLD Persiaran Spring, Jln Simpang Tiga 93300 Kuching, Sarawak

03 7651 8588

standardchartered.com.my

Standard Chartered Bank Malaysia offering Saadiq products

and services:
Alor Setar
55, Lot 5 & 5A
Bangunan EMUM
Jalan Gangsa, Kawasan
Perusahaan Mergong 2
05150 Alor Star
Kedah Darul Aman

Kajang
36 & 37, Jalan Prima
Saujana 1/1A
Taman Prima Saujana
Seksyen 1
43000 Kajang
Selangor Darul Ehsan

Batu Pahat
7, Jalan Kundang
Taman Bukit Pasir
83000 Batu Pahat
Johor Darul Takzim

Kepong
49 & 51, Ground Floor
Jalan Metro Perdana
Barat 1
Taman Usahawan
Kepong Utara
52000 Kuala Lumpur

Bintulu
89, Keppel Road
97000 Bintulu
Sarawak
Bukit Tengah (Prai)
1816, Lengkok
Perusahaan Maju
Bukit Tengah
13600 Seberang Prai
Penang
Butterworth
Level 1, NB Tower 1
5050, Jalan Bagan Luar
12000 Butterworth
Penang
Damansara Utama
18-22, Jalan SS 21/39
Damansara Utama
47400 Petaling Jaya
Selangor Darul Ehsan
Ipoh
21-27,
Jalan Dato
Maharaja Lela
30000 Ipoh
Perak Darul Ridzuan
Jalan Ipoh
33-35, Jalan Ipoh
51200 Kuala Lumpur
Jalan Sultan Ismail
36, Jalan Sultan Ismail
50250 Kuala Lumpur
Johor Bahru
24-26, Jalan Harimau
Tarum, Taman Century
80250 Johor Bahru
Johor Darul Takzim

Klang
11, 15 & 17
Jalan Kepayang
41050 Klang
Selangor Darul Ehsan
Kota Damansara
2-1, 2-2, 2-3, 2-3A &
2A-1, Jalan PJU 5/17
Dataran Sunway
Kota Damansara
47800 Petaling Jaya
Selangor Darul Ehsan
Kota Kinabalu
20, Jalan Haji Saman
88000 Kota Kinabalu
Sabah
Kuantan
1-3, Jalan Haji Abdul Aziz
25000 Kuantan
Pahang Darul Makmur
Kuching
Wisma Bukit Mata
Kuching, Jalan TAR
93100 Kuching,
Sarawak
Lot 10
R4, 2nd Floor,
Lot 10 Shopping Centre
50, Jalan Sultan Ismail
50250 Kuala Lumpur
Melaka
671 & 672
Jalan Melaka Raya 8
Taman Melaka Raya
75000 Melaka
Miri
1383 & 1384, Block 10
Centre Point Phase II
Jalan Kubu
98000 Miri
Sarawak

Penang
2, Lebuh Pantai
10300 Penang
Petaling Jaya
30-36, Jalan 52/4
46200 Petaling Jaya
Selangor Darul Ehsan
Port Dickson
61, Jalan Baru
71000 Port Dickson
Negeri Sembilan D
 arul
Khusus
Puchong
30 & 32, Jalan Puteri 1/2
Bandar Puteri Puchong
47100 Puchong
Selangor Darul Ehsan
Sandakan
Jalan Pelabuhan
90000 Sandakan
Sabah
Seremban
127A & 128
Jalan Dato Bandar Tunggal
70000 Seremban
Negeri Sembilan D
 arul
Khusus
Sibu
Jalan Tukang Besi
96000 Sibu
Sarawak
Sitiawan
16-20, Jalan Lumut
32000 Sitiawan
Perak Darul Ridzuan
Subang Jaya
1, Jalan USJ 10/1F
47620 UEP Subang Jaya
Selangor Darul Ehsan
Taiping
25, Jalan Pasar
34000 Taiping
Perak Darul Ridzuan
Taman Molek
86 & 88, J alan Molek 2/2
Taman Molek
81100 Johor Bahru
Johor Darul Takzim
Tawau
518, Jalan Habib Hussin
91000 Tawau
Sabah