PRUDENTIAL BSN TAKAFUL BERHAD

INVESTMENT-LINKED PLAN ILLUSTRATION

Quotation for razali

PruBSN UmmahLink

Agent
Date

Details

Person to be Covered

Name

: razali

Gender
Smoking status
Occupation class
Date of birth
Age next birthday
Annual income
Basic sum covered
Contribution
Payment frequency
Payment method
Maturity date
Plan type

: Male
: No
: Class 1
: 12/01/1993
: 23
: RM 30,000 p.a.
: RM 100,000
: RM 2,400.00
: Yearly
: Cash / Cheque
: 01/12/2072
: Regular Contribution
Investment-Linked Takaful
: Wakalah Charge
Service Charge
Asset Management Charge

Charges

: razali z1a00022
: 18/11/2015

Fund(s) invested for PUA and Takaful Saver (if any): 100% from Takafulink Dana Urus

Fund(s) invested for CashBuilder:

CUA Portion - 100% from Takafulink

Dana Simpanan
IUA Portion - 100% from Takafulink
Dana Ekuiti

(See Definition in Appendix for the description of the charges)

DETAILS OF PLAN
Name of Plan
Protection Unit Account (PUA):
Basic benefit:
PruBSN UmmahLink
Badal Hajj
Compassionate Benefit
Double Takaful Benefit
Additional benefit(s):
Crisis Shield

Term (years)

Sum Covered (RM)

for 57 year(s)
for 57 year(s)
for 57 year(s)
for 57 year(s)

Contribution (RM)

100,000
3,000
2,000
100,000

1,521.00

for 57 year(s)
100,000
Total Protection Unit Account Contribution (A)

279.00
1,800.00

Cash Unit Account (CUA):

CashBuilder - Accumulate in
CUA
Investment Unit Account (IUA):
CashBuilder

for 30 year(s)

500 every 2
years

360.00

for 30 year(s)

240 p.a.

240.00

Total Cash Unit Account and Investment Unit

Account Contribution (B)
Total Yearly Contribution (A+B)

600.00
2,400.00

IMPORTANT:
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 TRUSTS.
1. You should read this illustration together with the Fund Fact Sheet(s ) of the investment fund(s ) which you have chosen. The Fund Fact Sheet (s )
contains all the important information that you will need to know regarding the investment fund(s).
2. For more information about the benefits of the basic plan and its additional benefits, please refer to the Appendix at the end of this plan illustration.
3. Since only between 40.00% and 70.00% of your annual contribution is allocated to buy units for the first four certificate years, while at least 95% of
top-up, CashBuilder and Takaful Saver are used to purchase units, you can maximise your investment value by minimising annual contribution and
maximising top-up, CashBuilder and Takaful Saver rider contribution.
- Minimum annual contribution required for PruBSN UmmahLink (including CashBuilder contribution): RM 1,800.
- Minimum top-ups allowed: RM 500.
4. Therefore, if your certificate involves a contribution of sizeable amount say RM 5,000 and above, you should consider participating in single
contribution investment-linked certificate rather than a regular contribution certificate as single contribution plans offer better allocation rates for
investment.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 1 of 17

5. Your investment-linked certificate will lapse if there are insufficient units in your fund to pay the required charges. Your units could be insufficient over
the years due to:
- high Tabarru' if you participate in a lot of riders, and especially if the charges are increased over time as you get older.
- poor investment returns.
- unpaid contributions - if you stop paying contributions for a long period of time.
6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your agent or PruBSN on your
tolerance to risk.
WARNING
YOUR TABARRU' WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS
NOT ENOUGH TO PAY FOR YOUR TABARRU' DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR CERTIFICATE BEING
LAPSED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO
MAINTAIN YOUR CERTIFICATE.1
1

You should request your agent to explain the Tabarru' to you and its effect on your future takaful coverage.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 2 of 17

Quotation for razali

PruBSN UmmahLink
SUMMARY ILLUSTRATION
This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of charges on cash
values based on illustration below.
The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment
fund(s).
Actual returns of the fund will fluctuate ( i.e. rise or fall) each year based on the performance of the assets the fund invest in. The actual
returns may even be below the projected rates or negative.
All contributions and benefit amounts are stated in monetary value.
The illustration below assumes cross support between PUA and IUA (if any). Cross support from CUA is NOT ALLOWED.

End of
Certificate
Year

Age

Death Sum
Covered 2
(RM)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000
105,000

Unallocated
Critical
Contribution
Contribution Cumulative
Illness
Charge
Allocated
Paid
Sum
Contribution (Up Front Contribution
3
(RM)
Covered
(RM)
Wakalah
(RM)
(RM)
Charge) 4
(RM)

100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000

2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400
2,400

2,400
4,800
7,200
9,600
12,000
14,400
16,800
19,200
21,600
24,000
26,400
28,800
31,200
33,600
36,000
38,400
40,800
43,200
45,600
48,000
50,400
52,800
55,200
57,600
60,000
62,400
64,800
67,200
69,600
72,000

1,092
1,092
912
552
372
372
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12

1,308
1,308
1,488
1,848
2,028
2,028
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388
2,388

Total
Tabarru'
(RM)

Service
Charge
(RM)

190
191
194
198
199
201
205
210
220
228
234
241
249
259
271
288
313
352
402
456
519
593
667
753
845
943
1,066
1,184
1,315
1,448

76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76

Compassionate benefit of RM2,000 is payable upon death of the covered person on top of the Basic Sum Covered.
Badal Hajj benefit of RM3,000 is payable upon death or total and permanent disability of the covered person. This is paid on top of the Basic Sum
Covered benefit on per life basis. Badal Hajj benefit is payable as an additional sum covered if covered person is a non-muslim.
Double Takaful Benefit will be payable if death or total and permanent disability occurs while the covered person is performing Hajj or Umrah.
This represents the sum covered for Crisis Shield, whichever applicable. If the benefit payable for Crisis Shield upon claim of critical illness is less than
the death sum covered, the plan will be continued with the excess of the death sum covered with the payment of contributions.
This represents a charge to your contribution and is used to meet the direct distribution cost and Prudential BSN Takaful Berhad (PruBSN) expenses.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 3 of 17

Quotation for razali

PruBSN UmmahLink

SUMMARY ILLUSTRATION
This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of charges on cash
values based on illustration below.
The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment
fund(s).
Actual returns of the fund will fluctuate ( i.e. rise or fall) each year based on the performance of the assets the fund invest in. The actual
returns may even be below the projected rates or negative.
All contributions and benefit amounts are stated in monetary value.
The illustration below assumes cross support between PUA and IUA (if any). Cross support from CUA is NOT ALLOWED.
Non-Guaranteed Return 5
Cash Unit Account
End of
Certificate
Year

Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

6
7
8

Projected Investment Return:

(X% p.a.)

Asset
Cash
Accumulated ManagePayout
CUA
ment
Amount 6
(RM)
Charge
(RM)
(RM)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,800

360
720
1,080
1,440
1,800
2,160
2,520
2,880
3,240
3,600
3,960
4,320
4,680
5,040
5,400
5,760
6,120
6,480
6,840
7,200
7,560
7,920
8,280
8,640
9,000
9,360
9,720
10,080
10,440
0

11
21
33
50
70
90
115
140
165
190
216
242
268
295
321
348
375
401
428
454
479
504
528
552
575
596
617
636
653
669

Projected Investment Return:

(Y% p.a.)

Total Cash
Value 7
(RM)

Total Death
Benefit
(RM)

Asset
Management
Charge
(RM)

Total Cash
Value 7
(RM)

1,052
2,108
3,352
4,966
6,776
8,603
10,808
13,033
15,270
17,524
19,795
22,084
24,389
26,709
29,041
31,382
33,722
36,048
38,349
40,620
42,853
45,034
47,163
49,229
51,222
53,138
54,949
56,658
58,251
48,926

106,052
107,108
108,352
109,966
111,776
113,603
115,808
118,033
120,270
122,524
124,795
127,084
129,389
131,709
134,041
136,382
138,722
141,048
143,349
145,620
147,853
150,034
152,163
154,229
156,222
158,138
159,949
161,658
163,251
153,926

12
22
36
56
80
105
136
170
206
243
284
326
372
420
471
525
582
642
706
773
833
886
940
995
1,051
1,109
1,167
1,225
1,285
1,344

1,100
2,252
3,649
5,494
7,627
9,874
12,621
15,518
18,564
21,774
25,158
28,728
32,492
36,461
40,645
45,052
49,687
54,551
59,645
64,982
69,157
73,409
77,739
82,136
86,597
91,122
95,683
100,290
104,929
98,802

Direct
Distribution
Cost 8
(RM)
Total Death
Benefit
(RM)

106,100
107,252
108,649
110,494
112,627
114,874
117,621
120,518
123,564
126,774
130,158
133,728
137,492
141,461
145,645
150,052
154,687
159,551
164,645
169,982
174,157
178,409
182,739
187,136
191,597
196,122
200,683
205,290
209,929
203,802

729
729
459
459
279
279
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9

The projected investment returns used above are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s) and
includes investment profit from CUA as well. They are not guaranteed and not based on past performance.
The projected amount of cash payout you are entitled to based on your cash payout amount selection and cash payout option selected.
This amount is the total surrender value, which includes the cash value of PUA, IUA and CUA.
Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are
imposed on your certificate for services that agent will provide to you for the duration of your certificate.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 4 of 17

Quotation for razali

PruBSN UmmahLink

SUMMARY ILLUSTRATION DEFINITION

NOTES:
PruBSN believes it is important that you fully understand all the benefits under the certificate, and that you also understand how the cost of takaful
protection and distribution affect these benefits.
You should satisfy yourself that the plan serves your needs and that you can afford the contribution. You should ensure that the allocation of your
takaful contribution towards protection and investment meets your financial circumstances. If you need clarification, please contact your agent.
Participating in a regular contribution family takaful certificate is a long-term commitment. It is not advisable to hold this certificate for a short period of
time in view of the high initial costs.
Should you stop making regular contributions, the plan may continue for as long as there are sufficient units in the account. The Tabarru' deduction for
the basic plan, asset management charges and service charges for the respective accounts will continue to be deducted through cancellation of units.
Tabarru' deduction for additional benefits will also continue to be deducted, subject to consent given by you as provided in the proposal form.
In this plan illustration, Age refers to Age next birthday.
The information set out below explains the individual items in the summary illustration table.
1. Death Sum Covered
This is the minimum amount to be received on death or when you become disabled. The benefit is only applicable as long as the certificate is
in force.
You have the ability to increase your sum covered without increasing your regular contribution with minimum RM10,000 per increment as long as you
have enough excess of contribution in your PUA. This option is subject to underwriting.
The Sum Covered Multiple (SCM) for this plan is 70.
Compassionate benefit of RM2,000 is payable upon death of the covered person on top of the Basic Sum Covered.
Badal Hajj benefit of RM3,000 will be payable on top of the basic sum covered upon death or total and permanent disability of the covered person.
Badal Hajj benefit is payable as an additional sum covered if covered person is a non-muslim.
Double of the initial basic sum covered will be payable if death or total and permanent disability occurs while the covered person is performing Hajj or
Umrah.
2. Critical Illness Sum Covered
This is the amount that will be payable upon diagnosis of a critical illness. The benefit is only applicable as long as the certificate is in force.
3. Contribution Paid and Cumulative Contribution
Contribution Paid is the amount that you (the participant) pay for this certificate for the particular certificate year. The Contribution Paid amount consists
of PUA, CashBuilder and Takaful Saver contribution. Take note that not all of the amount paid will be invested into the investment fund(s) you selected.
See explanation on unallocated and allocated contribution below.
Cumulative Contribution is the total amount that you (the participant) pay for this certificate up to the end of respective certificate year.
4. Allocated Contribution and Unallocated Contribution Charge (Up Front Wakalah Charge)
The allocated contribution will be used to purchase units in the investment fund(s).
The unallocated contribution charge is an upfront wakalah charge on the contribution paid and is used to meet PruBSN's expenses and direct
distribution cost, including the commissions payable to agent.
Agent may also be entitled to production and persistency bonus during the first three years of the certificate provided that the agent meets the
qualifying criteria set by PruBSN.
The allocated contribution and wakalah charge for this investment-linked certificate (including CashBuilder and Takaful Saver if applicable ) are as per
table below (as a % of contributions).
The wakalah charge for this investment-linked certificate might be different from which illustrated in the brochure, if loading(s) applies.
1

Certificate year
PUA contribution (RM)
Allocated contribution
Unallocated contribution

%
RM
%
RM

CUA contribution (RM)

Allocated contribution
Unallocated contribution

%
RM
%
RM

IUA contribution (RM)

Allocated contribution
Unallocated contribution

Presented by :
Date :
Version :

%
RM
%
RM

1,800.00
40.00
720.00
60.00
1,080.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

2
1,800.00
40.00
720.00
60.00
1,080.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

3
1,800.00
50.00
900.00
50.00
900.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

4
1,800.00
70.00
1,260.00
30.00
540.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

5
1,800.00
80.00
1,440.00
20.00
360.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

6
1,800.00
80.00
1,440.00
20.00
360.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

7 & above
1,800.00
100.00
1,800.00
0.00
0.00
360.00
100.00
360.00
0.00
0.00
240.00
95.00
228.00
5.00
12.00

Page 5 of 17

Quotation for razali

PruBSN UmmahLink

5. Total Tabarru' and Service Charge

The amount to be channeled into your investment fund(s) will be less the Tabarru' deduction and Service Charge.
The illustrated Tabarru' and Service Charge are based on current levels. These are not guaranteed and may be varied from time to time by giving 90
calendar days written notice to participants. However, for HealthEnrich (if attachable), 30 calendar days written notice will be given to participants.
Tabarru' are deducted monthly from the value of your units to pay for your takaful coverage. The Tabarru ' for takaful coverage varies by age next
birthday, gender, smoking status, occupation class, medical rating and sum covered. The Tabarru ' will increase as you grow older. Please refer to
Illustration of Tabarru' and Service Charge Table for the Tabarru' breakdown.
The Goods and Services Tax (GST) is applicable to the Tabarru ' for non-life coverages and the Service Charge. Whenever the GST is applicable, the
amount deducted for the Tabarru' and Service Charge are inclusive of GST based on an amount equivalent to its prevailing rate.
Non-life coverages under the GST Act include hospital and surgical (medical), personal accident and critical illness.
6. Cash Unit Account (CUA)
The Cash Unit Account is created by the attachment of CashBuilder.
Contribution amount for CashBuilder will be allocated in a pre-defined ratio between IUA and CUA.
There will be no Tabarru' deduction from this account.
The Cash Payout is payable from the CUA.
The CUA is invested in our Takafulink Dana Simpanan. Investment profit from the CUA will be reinvested back into the IUA in Takafulink Dana Ekuiti.
The units invested in Takafulink Dana Simpanan is eligible for Bank Simpanan Nasional's Sijil Simpanan Premium (SSP) draw.
We reserve the right at any time and from time to time by giving 90 days notification to you to cancel your entitlement for SSP Draw, in the event of any
changes to Takafulink Dana Simpanan.
7. Cash Payout
The amount that PruBSN may transfer to your Tabung Haji account or bank account every 2 years. This is only applicable if you have chosen to
transfer cash payout to respective account.
The Cash Payout is payable from the CUA.
Upon lapse, any values of Units in CUA will be payable back to the participant.
8. Accumulated Cash Value in CUA
The amount that you may receive from CUA if you surrender the certificate or when it matures and is net of tax and all applicable charges.
9. Projected Investment Return
X assumes 3.00% weighted gross growth in the PUA and IUA (Takaful Saver), and 2.00% gross growth in the IUA (CashBuilder).
Y assumes 8.00% weighted gross growth in the PUA and IUA (Takaful Saver), and 9.00% gross growth in the IUA (CashBuilder) for the first 20 years.
Beyond the 20th year, Y assumes 5.50% in the PUA and IUA (Takaful Saver), and 6.00% in the IUA (CashBuilder).
The returns of X% and Y% have been used respectively to represent the range of possible weighted returns on the funds selected.
The investment profit declared under CUA will be automatically reinvested into your IUA in Takafulink Dana Ekuiti.
The investment profit is only declared at the end of every 12 months for each contribution paid to CUA, provided that each contribution paid has not
been withdrawn by you or made as Cash Payout by us.
The investment profit declared assumes a nil and 2.42% investment profit rate for X and Y illustration respectively.
Please refer to the Fund Fact Sheet( s) for the past actual annual investment returns. The Fund Fact Sheet can be downloaded from our website at
www.prubsn.com.my.
10. Asset Management Charge
This refers to the investment management expenses for the PUA and IUA.
11. Cash Value
This is the projected value of units in PUA, IUA and CUA cash value at any particular point in time that you may receive if you surrender the certificate
and is net of tax and all applicable charges.
If the certificate is terminated early, you may get less than the amount of contributions paid.
This amount comprises of the cash value of the PUA, IUA and CUA. Please refer to Illustration of Projected Benefits Table for the breakdown.
12. Total Death Benefit
This is the amount that will be payable on your death. The Total Death Benefit consist of the Death Sum Covered and the Cash Value, if any.
If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA, IUA and CUA will be
payable.
13. Direct Distribution Cost
This is the commissions payable to agent comprises of basic commissions, production and persistency bonus.
It is inclusive of CashBuilder and Takaful Saver (if any) commissions.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 6 of 17

Quotation for razali

PruBSN UmmahLink

ILLUSTRATION OF PROJECTED BENEFITS

Non-Guaranteed Return
Projected Investment Return X% p.a.
End of
Certificate Age
Year

Protection Unit
Account (RM)
Projected Cash
Value

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

463
930
1,584
2,608
3,827
5,062
6,675
8,307
9,951
11,611
13,287
14,981
16,690
18,413
20,148
21,891
23,633
25,360
27,061
28,732
30,364
31,944
33,471
34,934
36,323
37,635
38,841
39,945
40,932
41,800

Projected Investment Return Y% p.a.

Protection Unit
Investment Unit
Account (RM)
Account (RM)
No Claim
Projected Cash Projected Cash
Bonus
Value
Value
Credited
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

229
458
688
918
1,149
1,381
1,613
1,846
2,079
2,313
2,548
2,783
3,019
3,256
3,493
3,731
3,969
4,208
4,448
4,688
4,929
5,170
5,412
5,655
5,899
6,143
6,388
6,633
6,879
7,126

489
1,005
1,740
2,896
4,309
5,805
7,767
9,842
12,029
14,338
16,778
19,357
22,080
24,955
27,989
31,186
34,547
38,068
41,747
45,590
48,527
51,498
54,503
57,530
60,574
63,632
66,676
69,712
72,726
75,716

Investment Unit
Account (RM)
No Claim
Projected Cash
Bonus
Value
Credited
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

251
527
829
1,158
1,518
1,909
2,334
2,796
3,295
3,836
4,420
5,051
5,732
6,466
7,256
8,106
9,020
10,003
11,058
12,192
13,070
13,991
14,956
15,966
17,023
18,130
19,287
20,498
21,763
23,086

Notes:
The info set out below explains the individual items in the illustration of projected benefits table.
With the assumption that the contributions are paid in full and timely manner, the above illustration assumes cross support between PUA and IUA.
You will receive at least 50% of the surplus (if any ), inclusive of investment profit, arising from Tabarru' at the end of each financial year and such
amount will be credited into PUA. PruBSN will take up to 50% of the distributable surplus ( if any) as the incentive for managing the Tabarru ' fund.
However, for projection purposes, the surplus will not be illustrated.
The projected illustrations above are net after deduction of tax, asset management charge and Tabarru', where applicable.
1. Projected Investment Return
Please refer to item 9 in Summary Illustration Definition.
2. Protection Unit Account
Please refer to definition of Protection Unit Account (PUA) in Appendix.
2.1. Projected Cash Value
Projected cash value in Protection Unit Account.
3. Investment Unit Account
Please refer to definition of Investment Unit Account (IUA) in Appendix.
3.1. No Claim Bonus Credited (if HealthEnrich Advanced (Co-Takaful) is attached)
The projected cash value assumes no medical claims are made from HealthEnrich (except for claims made under Day Surgery benefit only). Note
that if you make claim from HealthEnrich, the projected cash value will be lower than illustrated.
3.2. Projected Cash Value
Projected cash value in Investment Unit Account. This value include No Claim Bonus and Investment Profit declared from the Takafulink Dana
Simpanan.

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ILLUSTRATION OF TABARRU' AND SERVICE CHARGE TABLE

Tabarru' Deduction

Allocated Contribution

Annual Charges

End of
Certificate
Year

Age

Protection
Unit Account
(RM)

Investment
Unit Account
(RM)

Cash Unit
Account
(RM)

Death Benefit
Tabarru'
(RM)

Medical
Benefit
Tabarru'
(RM)

Other
Additional
Benefits
Tabarru'
(RM)

Service Charge
(RM)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

720
720
900
1,260
1,440
1,440
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800
1,800

228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228
228

360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360
360

143
143
143
143
143
143
143
143
148
149
149
149
149
149
149
149
152
167
186
208
234
265
297
337
380
428
481
542
607
681

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

46
48
50
54
56
58
62
66
72
79
86
92
100
111
123
139
161
186
216
248
285
328
370
416
465
515
584
642
707
767

76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76
76

Notes:
The information set out below forms part of the plan illustration.
1. Allocated Contribution
Please refer to item 4 in Summary Illustration Definition.
1.1. Protection Unit Account
Please refer to definition of Protection Unit Account (PUA) in Appendix.
1.2. Investment Unit Account
Please refer to definition of Investment Unit Account (IUA) in Appendix.
1.3. Cash Unit Account
Please refer to definition of Cash Unit Account (CUA) in Appendix.
2. Tabarru' Deduction
Please refer to item 5 in Summary Illustration Definition.
2.1. Death Benefit Tabarru'
This column consists of the Tabarru' deduction for basic death benefit, Badal Hajj benefit, Compassionate Benefit and Double Takaful Benefit.
2.2. Medical Benefit Tabarru'
This column consists of Tabarru' deduction for HealthEnrich.
The amount deducted for Tabarru' is inclusive of GST based on an amount equivalent to its prevailing rate.
2.3. Other Additional Benefits Tabarru'
This column consists of Tabarru' deduction for Additional Benefits excluding Death Benefits and Medical Benefits.
The amount deducted for Tabarru' are inclusive of GST based on an amount equivalent to its prevailing rate where applicable.
3. Annual Charge
Please refer to item 5 in Summary Illustration Definition.
3.1. Service Charge
Please refer to definition of Service Charge in Appendix.
The amount deducted for service charge are inclusive of GST based on an amount equivalent to its prevailing rate.
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Appendix

DEFINITIONS
The Takaful Concept
Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participant contributes on
the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need.
Protection Unit Account (PUA)
The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising.
Investment Unit Account (IUA)
The account where a pre-defined ratio of amount from the CashBuilder contribution and total amount of Takaful Saver contribution will be used to
purchase units for investment purpose.
Cash Unit Account (CUA)
The account where a pre-defined ratio of amount from the CashBuilder contribution will be placed for savings and cash payout. There will be no Tabarru
deduction from this account.
Surplus
The surplus arising from the Tabarru' fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributed between
the Participant and PruBSN in the stated proportion.
Tabarru'
A donation of a specified portion from the contribution into the Tabarru Fund for the purpose of mutual aid and assistance among fellow participants
according to the agreed benefits under the plan.
Tabarru' Fund
The fund where the Tabarru' Deductions from the participants are placed and pooled together. The fund is used to pay the agreed benefits under the plan
on the basis of mutual aid and assistance. All costs, expenses, charges and levies for maintaining the assets of the Tabarru ' Fund and any other related
expenses will be borne by and paid from the Tabarru' Fund.
Wakalah Charge
Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution related charge, asset
management charge and service charge.
Commission and Distribution Related Charge
Comprises of the agent's commission and distribution related expenses.
Asset Management Charge
Comprises of the investment management expenses for the PUA and IUA.
Service Charge
Comprises of the certificate servicing expenses that is debited from the PUA.
Goods and Services Tax (GST)
The goods and services tax that may be imposed under the Goods and Services Tax Act 2014 of Malaysia that includes any revision that would be made
from time to time.
Grace Period
You are given a grace period of 30 days from the contribution due date for each subsequent contribution payment.
Free Look Period
You are required to study the plan illustration and pay particular attention to the benefits which are guaranteed and benefits which are not guaranteed. If
there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15 calendar days from the
delivery date of the certificate documents.

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Appendix
BRIEF DESCRIPTIONS OF THE PLAN
Basic Benefits
- In the event of death, the value of units in the PUA, IUA and CUA will be payable. In addition, the basic sum covered from the Tabarru fund will also
be payable. The value of units will be based on the unit price at the next valuation date following the official notification date.
- In the event of total and permanent disability before age 70, the basic sum covered is payable. This is paid in lieu of basic sum covered. The units
remain in the PUA, IUA and CUA.
- Double Takaful benefit which pays double of the basic sum covered will be payable upon death or total and permanent disability before age 70 while
performing Hajj or Umrah for unlimited trip per year during the certificate term.
- Compassionate benefit is payable upon death of the covered person on top of the Basic Sum Covered.
- In addition, Badal Hajj benefit is payable upon death or total and permanent disability of the covered person. Badal Hajj is a benefit whereby a
nominee performs Hajj on behalf of the covered person in the event of death or total and permanent disability. This benefit is paid on top of the
basic sum covered.
- The maximum benefit payable for total and permanent disability is RM4 million per life. If basic sum covered is more than RM4 million, the excess of
basic sum covered can be continued for death benefit with payment of contributions. Riders (without disability plus) can be continued with payment
of contributions.
- In the event of surrender, the surrender value of the certificate is payable. The value of the units will be based on the unit price at the next valuation
date following the notification of surrender. You will be able to withdraw the notification before the closing valuation time.
Options
Non-payment of contribution:
- The payment of contributions may be stopped but the basic benefits above continue as long as there are units in the plan for Tabarru' deduction and
service charge for the basic plan. The Tabarru' deduction for additional benefits will also continue to be deducted, subject to your consent.
Lapse and Revival:
- The certificate will lapse if there is insufficient units in PUA and IUA ( if any) to pay for the Tabarru ' deduction and service charge for the basic plan
and additional benefits.
- Upon lapsed of certificate, value of units in the CUA (if any) will be paid back to the participant.
- Upon non-payment of contribution, additional benefits ( if any ) will also lapse if there is no consent given to deduct the Tabarru ' deduction for
additional benefits although there are sufficient units in the PUA.
- If all or any part of the benefits lapse, you may apply to revive them subject to the terms and conditions set by us.
Fund switching:
- If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed 4 switches per year
without any charge. Any subsequent switches within the year, you will be charged a processing fee of 1% subject to maximum of RM50 per
switching application. Units can be switched between Takafulink funds at any time.
- No switching is allowable under Takafulink Dana Simpanan.
- Amount deducted for fund switch charge are inclusive of GST.
Contribution re-direction:
- You may revise the proportion of your regular contribution (in multiple of 5%) you want to invest and may also revise your choice of Takafulink fund.
- Contribution re-direction is not allowed for CashBuilder's contribution.
Top-ups:
- Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Apart from 5% wakalah charge on every single contribution
top-up, there will be an additional one-off top-up charge of RM25 for top-up less than RM5,000. For single contribution top-up payment of RM5,000
and above, there will be no top-up charge imposed.
- Amount deducted for top-up charge are inclusive of GST.
- This Top-ups will be allocated into IUA for investment purpose.
Partial Withdrawals:
- You can make partial withdrawals from PUA, either in terms of number of units or fixed monetary amount (where units will be cancelled accordingly
based on the unit price at the next valuation date). The minimum withdrawal amount is RM1,000 per transaction with remaining balance of RM1,000
after withdrawal.
- Partial withdrawal is allowed for IUA. The minimum withdrawal amount is RM500 per transaction. Complete withdrawal is allowed but strongly
discouraged.
- You can make partial withdrawal from CUA subject to the maximum amount of Cash Payout that you are entitled to, up to the point of partial
withdrawal. Minimum amount allowed for partial withdrawal is RM250.
Option to vary sum covered
- You may increase the sum covered without increasing the regular contribution with minimum RM10,000 per increment as long as you have enough
excess of contribution in your PUA, subject to underwriting. You may also reduce your sum covered without any change in contribution subject to
minimum sum covered of RM25,000.

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Appendix
BRIEF DESCRIPTIONS OF THE PLAN
Tabarru' amount and wakalah charges
- Tabarru' amount, which is based on age next birthday, gender, smoking status, occupational class, medical rating and the sum covered, is levied
monthly.
- Service charge of RM6 for contribution paid by cash/cheque or RM5 for other payment methods are levied monthly.
- Asset management charge will be deducted on a daily basis and is reflected in the unit price.
- Tabarru' amount and wakalah charges above may be varied from time to time by giving 90 calendar days written notice to the participants. However,
for HealthEnrich (if attachable), 30 calendar days written notice will be given to participants.
- The amount deducted for the Tabarru' and Service Charge are inclusive of GST where applicable.
Total and Permanent Disability
- For disability below age 16, total and permanent disability means that the child must need constant care and attention and is confined by reason of
accident or sickness to his/her home under medical supervision or in a hospital or similar institution. The disability must be permanent and must last
for at least 180 consecutive days.
- For disability between age 16 and 60 years old, total and permanent disability means the complete inability to engage in any occupation and to
perform any work for remuneration or profit. The disability must be permanent and must last for at least 180 consecutive days.
- For disability above 60 years old, total and permanent disability means that she/he is unable to perform at least 3 of the activities of daily living either
with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. The disability must be
permanent and must last for at least 180 consecutive days.
- In addition of the above definitions, the following disabilities will also be regarded as total and permanent disability regardless of disability age:
(a) Total and irrecoverable loss of sight of both eyes.
(b) Loss by severance of 2 limbs at or above the wrist or ankle.
(c) Loss of sight of one eye and one limb at or above the wrist or ankle.
Critical Illnesses
A total of 36 critical illnesses are covered:
1. AIDS due to a blood transfusion or full blown AIDS
2. Aplastic anaemia
3. Apallic syndrome
4. Alzheimers disease
5. Benign brain tumour
6. Blindness
7. Brain surgery
8. Cancer
9. Cardiomyopathy
10. Chronic liver disease
11. Chronic lung disease
12. Coma
13. Coronary artery disease including Angioplasty and
other invasive treatments for coronary artery disease

14. Deafness
15. Encephalitis
16. Fulminant viral hepatitis
17. Heart attack
18. Heart valve replacement
19. Kidney failure
20. Loss of independent existence
21. Loss of speech
22. Major burns
23. Major head trauma
24. Major organ transplant
25. Medullary cystic disease
26. Meningitis

27. Motor neurone disease

28. Multiple sclerosis
29. Muscular dystrophy
30. Paralysis
31. Parkinsons disease
32. Poliomyelitis
33. Primary pulmonary arterial hypertension
34. Stroke
35. Surgery to the aorta
36. Systemic lupus erythematosus lupus nephritis

Claims Submission:
- If you need to make a claim, you must send us a written notice to the following address. For accidental claims, it should be within 30 calendar days
while for other claim within 60 calendar days from the event date:
Prudential BSN Takaful Berhad
Level 8A, Menara Prudential,
No. 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
- Once we have received the notice, we will let you know what documents we need so that we can process your claim.
Notes:
- The contributions and Tabarru ' of PruBSN UmmahLink and additional benefits may be varied by PruBSN from time to time by giving 90 calendar
days written notice to participants. However, for HealthEnrich (if attachable), 30 calendar days written notice will be given to participants.
- PruBSN UmmahLink is a Shariah-compliant product.

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BRIEF DESCRIPTIONS OF THE PLAN

Appendix

Additional Benefits
Crisis Shield pays the sum covered upon diagnosis of a critical illness. This is paid in lieu of the basic plan sum covered. Units remain in the plan. If the
sum covered of Crisis Shield paid is less than that of basic plan sum covered, the excess sum covered of the basic plan can be continued with the
payment of contributions.

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BRIEF DESCRIPTIONS OF THE PLAN

Appendix

Additional Benefits
CashBuilder is a combination of a CUA and an IUA to maximize savings by providing payout amount from CUA and potential investment amount in
IUA.

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PRODUCT DISCLOSURE SHEET

Read this Product Disclosure Sheet before you decide to take up PruBSN
UmmahLink. Be sure to also read the general terms and conditions.
PruBSN UmmahLink
18/11/2015
1. What is this product about?
This investment-linked takaful certificate ( ILT) offers a combination of takaful protection, savings and investment. The benefit is payable upon total
and permanent disability before age 70 or death during the term of the certificate together with the value of the investment units, at the time of
claim. The value of the ILT depends on the price of the underlying units, which in turn depends on the performance of your chosen fund.
In addition, this plan also provides Badal Hajj benefit, Compassionate Benefit and Double Takaful benefit if death or total and permanent disability
occurs while performing Hajj or Umrah.
2. What are the Shariah concepts applicable?
Tabarru'
- A donation of a specified portion from the Contribution into the Tabarru' Fund for the purpose of mutual aid and assistance
among fellow participants according to the agreed benefits under the plan.
Wakalah Bil Ajr - An arrangement appointing PruBSN to manage the overall services provided under your certificate. We will take a portion of your
contribution in return of these services, which include commission, distribution related charge, asset management charge and
service charge.
3. What are the covers/benefits provided?
PruBSN UmmahLink
Death Benefit
- Basic Sum Covered
- Badal Hajj
- Compassionate Benefit
- Double Takaful Benefit while performing Hajj/Umrah
Total and Permanent Disability Benefit
- Basic Sum Covered
- Badal Hajj
- Total and permanent disability while performing Hajj/Umrah
Crisis Shield
- Critical Illness Benefit

RM 100,000
RM 3,000
RM 2,000
RM 200,000
RM 100,000
RM 3,000
RM 200,000
RM 100,000

Sijil Simpanan Premium (SSP) Draw:

- The units invested in Takafulink Dana Simpanan is eligible for Bank Simpanan Nasional's SSP draw.
- The eligibility to participate in the SSP Draw does not guarantee you to win the prizes.
- We reserve the right at any time and from time to time by giving ninety (90) days notification to you to cancel your entitlement for SSP Draw, in
the event of any changes to Takafulink Dana Simpanan.
Funds chosen:
PUA and Takaful Saver (if any):
Takafulink Dana Urus (TDU):

100%

CashBuilder:
CUA Portion - Takafulink Dana Simpanan
IUA Portion - Takafulink Dana Ekuiti

100%
100%

Note:
1. Contribution amount for CashBuilder will be allocated in a pre-defined ratio between IUA and CUA.
2. Each CashBuilder contributions received will initially be invested into the funds stated above. This is fixed by us and cannot be changed by you.
However, once invested into those funds, you can switch part or all of the IUA balance from Takafulink Dana Ekuiti to other funds except Takafulink
Dana Simpanan.
3. We reserve the right at any time to change the underlying investment of Takafulink Dana Simpanan.
4. Investment profit from Takafulink Dana Simpanan will be reinvested back into the IUA in Takafulink Dana Ekuiti.
Reminder: Please read the marketing literature which include product benefits and objective of the investment-linked fund. It is important to select a
fund or a combination of funds that suit your financial goals and risk profile.

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4. How much contribution do I have to pay?

The total contribution that you have to pay and the certificate terms may vary depending on the underwriting requirements of PruBSN.
The estimated total contribution (including wakalah charges) that you have to pay:
Protection Unit Account:
Cash Unit Account:
Investment Unit Account:
Total Contribution:

RM 1,800.00
RM 360.00
RM 240.00
RM 2,400.00 Yearly

We will allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be
used to pay wakalah charges, which include commissions to agents and other expenses incurred by PruBSN. You are advised to refer to the
allocation rates given in the plan illustration.
5. What are the charges I have to pay?
The Tabarru' is deducted monthly from the value of your units. The Tabarru ' will increase as you grow older. Details of Tabarru' and Service Charge
for the ILT are given in the plan illustration.
The Goods and Services Tax ( GST) is applicable to the Tabarru' for non-life coverages. Whenever the GST is applicable, the amount deducted for
the Tabarru' are inclusive of GST based on an amount equivalent to its prevailing rate.
Non-life coverages under the GST Act include hospital and surgical (medical), personal accident and critical illness.
Other charges are as follows:
- Asset management charge will be deducted on a daily basis and is reflected in the unit price.
- Service charge of RM6 for contribution paid by cash or cheque and RM5 for contribution paid by other payment method. The service charges are
levied monthly.
- Top-up incurs a one-off top-up charge of RM25 for every top-up less than RM5,000.
- Fund switch charge is set at 1% subject to a maximum of RM50. Four free switches are allowed every certificate year.
Charges/fees are not guaranteed and may be varied from time to times.
Other charges such as service charge, top-up charge and fund switch charge are inclusive of GST based on an amount equivalent to its prevailing
rate.

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6. What are some of the key terms and conditions that I should be aware of?
General
Importance of disclosure:
- Pre-contractual duty of disclosure - you must disclose all material facts, including but not limited to medical condition, and state your age
correctly. It is important to disclose any relevant information that you know or is expected to know to the best of your knowledge and in good faith.
- The general duty of disclosure shall apply continually and will require you to inform us upon any change of such information disclosed or any new
information relevant to this certificate/ proposal.
Free-look period - you may cancel your ILT by returning the certificate within 15 calendar days from the delivery date of the certificate. PruBSN will
refund to you the unallocated contributions, the value of units that have been allocated (if any ) at unit price at the next valuation date and any
Tabarru' and any upfront Wakalah Charge, Service Charge, top-up charge ( if any) and GST ( if any) that have been deducted less any medical
charge incurred by PruBSN.
Cash value - the cash value of the ILT depends on the performance of the investment-linked funds selected. The higher the level of takaful
coverage selected, the more units will be absorbed to pay for the Tabarru ' and fewer units will remain to accumulate cash values under your
certificate.
Lapse of certificate - The ILT certificate will lapse when the value of investment units is insufficient to pay for the Tabarru' and service charge.
In the event of total and permanent disability before age 70, a one lump sum amount is payable under all certificates with PruBSN is up to RM1
million per covered person. The balance ( if any ) is paid on the first anniversary of the Covered Person's total and permanent disability subject to
proof of continued disability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates
is RM4 million per covered person.
*

For Medical & Health Takaful

Qualifying/waiting period - The eligibility for:
- Critical illness benefits under the certificate will only start 60 calendar days after the commencement date of the certificate for heart attack,
coronary artery heart disease or cancer and 30 calendar days for other critical illnesses.
*

Applicable to Crisis Shield, Accidental Medical Reimbursement, HealthEnrich, Contributor, CashBuilder Contributor and Takaful Saver Contributor
only.

Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.

Presented by :
Date :
Version :

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Quotation for razali

PruBSN UmmahLink

7. What are the major exclusions under this certificate?

Death
If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA, IUA and CUA will
be paid.
Total and Permanent Disability
Attempted suicide or self-inflicted injuries while sane or insane.
Engaging in aerial flights including parachuting and sky-diving 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.
Critical Illness
Illness is directly or indirectly caused by Acquired Immune Deficiency Syndrome (AIDS ) or any Human Immunodeficiency Virus (HIV) infection,
except when AIDS is full blown or is caused by a blood transfusion.
Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.
8. Can I cancel my certificate?
Participating in a regular contribution ILT is a long-term financial commitment. It is not advisable to hold this certificate for a short period of time in view
of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch the fund. You are allowed
four switches per certificate year without any charge. You may cancel your certificate by giving a written notice and returning the original certificate
documents to PruBSN.
9. What do I need to do if there are changes to my contact details?
It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on time.
10. Where can I get further information?
Should you require additional information about investment-linked takaful and medical and health product, please refer to the insurance info booklet on
'Investment-linked Takaful' and ' Medical and Health Takaful', available at all our branches or you can obtain a copy from your agent or visit the website
at www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:
Prudential BSN Takaful Berhad (740651-H)
Level 8A, Menara Prudential,
No. 10, Jalan Sultan Ismail,
50250 Kuala Lumpur.
Tel : 03 2053 7188 Fax : 03 2072 6188 E-mail: customer@prubsn.com.my
You can also log on to our website at www.prubsn.com.my
11. Other similar types of family takaful cover available:
Please contact your agent or PruBSN for other types of similar covers available.
IMPORTANT NOTE:
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 TRUSTS. YOU MUST EVALUATE YOUR OPTION CAREFULLY AND SATISFY YOURSELF THAT THE
INVESTMENT-LINKED TAKAFUL PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION
THROUGHOUT THE CERTIFICATE DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE
ADDITIONAL CONTRIBUTIONS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED.
The information provided in this disclosure sheet is valid as at 18/11/2015.

Presented by :
Date :
Version :

razali z1a00022
18/11/2015
SQS - Agency ver 2.6.0.5

Page 17 of 17