PRUDENTIAL BSN TAKAFUL BERHAD

INVESTMENT-LINKED PLAN ILLUSTRATION

Agent
Date

Quotation for diana & pesa

PruBSN SmartLink

Details

Person to be Covered

: AHMAD SHAHRIR BIN SAID MF500084

: 13/9/2015

Parent

Name

: diana

: pesa

Gender
Smoking status
Occupation class
Date of birth

: Female
: No
: Class 2
: 05/01/2014

: Male
: No
: Class 4
: 13/09/1983

Age next birthday

:2

: 32

Annual income
Basic sum covered
Contribution
Payment frequency
Payment method
Maturity date
Plan type
Charges

: RM 60,000 p.a.
: RM 50,000
: RM 130.00
: Monthly
: Auto Debit
: 01/09/2038
: Regular Contribution Investment-Linked Takaful
: Wakalah Charge
Service Charge
Asset Management Charge

Fund(s) invested

: 100% of Takafulink Dana Urus

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

DETAILS OF PLAN
Name of Plan
Protection Unit Account (PUA):
Basic benefit:
PruBSN SmartLink
Additional benefit(s):

Crisis Shield
Accidental Death and
Disablement
HealthEnrich Select
Contributor
Parent Contributor

Term (years)

Sum Covered (RM)

Contribution (RM)

for 23 year(s)

50,000

27.00

for 23 year(s)
for 23 year(s)

30,000
35,000

2.00
6.00

for 23 year(s)
Plan 200 Full Coverage
for 23 year(s)
1,560 p.a.
for 23 year(s)
1,560 p.a.
Total Protection Unit Account Contribution (A)
Total Monthly Contribution (A)

83.00
2.00
10.00
130.00
130.00

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 95% top-up and
Takaful Saver are used to purchase units, you can maximise your investment value by minimising annual contribution and maximising top-up
and Takaful Saver rider contribution.
- Minimum annual contribution required for PruBSN SmartLink: RM 600.
- 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.
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.
Presented by :
Date :
Version :

AHMAD SHAHRIR BIN SAID MF500084

13/9/2015
SQS - Agency ver 2.6.0.5 a

Page 1 of 19

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 :

AHMAD SHAHRIR BIN SAID MF500084

13/9/2015
SQS - Agency ver 2.6.0.5 a

Page 2 of 19

Quotation for diana & pesa

PruBSN SmartLink
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). They are not guaranteed and not based on past
performance.
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 below illustration assumes cross support between PUA and IUA.
Non-Guaranteed Return

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

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

Death Sum
Covered
(RM)

Critical
Illness
Sum 2
Covered
(RM)

30,000
40,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000

18,000
24,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000

Unallocated
Contribution
Allocated
Charge
Contribution Cumulative
Total
Contribution (Up Front Contribution Tabarru'
Paid
(RM)
(RM)
Wakalah
(RM)
(RM)
Charge) 3
(RM)

1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560

1,560
3,120
4,680
6,240
7,800
9,360
10,920
12,480
14,040
15,600
17,160
18,720
20,280
21,840
23,400
24,960
26,520
28,080
29,640
31,200

936
936
780
468
312
312
0
0
0
0
0
0
0
0
0
0
0
0
0
0

624
624
780
1,092
1,248
1,248
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560

725
724
743
744
595
488
506
519
540
558
568
577
607
650
692
733
774
774
751
731

Projected Investment Return:

(X% p.a.)
Service
Charge
(RM)

64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64

Asset
Management
Charge
(RM)

Cash Value
(RM)

Total Death
Benefit
(RM)

0
0
0
0
3
12
24
37
50
64
78
91
105
119
131
144
157
168
181
194

0
0
0
0
520
1,228
2,244
3,261
4,270
5,276
6,365
7,380
8,381
9,432
10,375
11,290
12,258
13,158
14,095
15,144

30,000
40,000
50,000
50,000
50,520
51,228
52,244
53,261
54,270
55,276
56,365
57,380
58,381
59,432
60,375
61,290
62,258
63,158
64,095
65,144

Projected Investment Return:

(Y% p.a.)

Direct
Distribution
Asset
Cost 4
ManageTotal Death
(RM)
Cash Value
ment
Benefit
(RM)
Charge
(RM)
(RM)
0
0
0
0
3
12
25
39
55
71
89
107
126
146
166
187
209
231
255
281

0
0
0
0
519
1,269
2,366
3,516
4,713
5,961
7,356
8,742
10,180
11,742
13,272
14,850
16,562
18,293
20,152
22,223

30,000
40,000
50,000
50,000
50,519
51,269
52,366
53,516
54,713
55,961
57,356
58,742
60,180
61,742
63,272
64,850
66,562
68,293
70,152
72,223

624
624
390
390
234
234
0
0
0
0
0
0
0
0
0
0
0
0
0
0

This represents the sum covered for Crisis Shield and Crisis Cover Plus, 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.

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 :

AHMAD SHAHRIR BIN SAID MF500084

13/9/2015
SQS - Agency ver 2.6.0.5 a

Page 3 of 19

Quotation for diana & pesa

PruBSN SmartLink
SUMMARY ILLUSTRATION

End of
Certificate
Year

Age

21
22
23

23
24
25

Death Sum
Covered
(RM)

50,000
50,000
50,000

Unallocated
Critical
Contribution
Allocated
Illness
Contribution Cumulative Charge
Total
Sum 2
Paid
Contribution (Up Front Contribution Tabarru'
(RM)
Covered
(RM)
(RM)
Wakalah
(RM)
(RM)
Charge)3
(RM)

30,000
30,000
30,000

1,560
1,560
1,560

32,760
34,320
35,880

0
0
0

1,560
1,560
1,560

707
682
653

Non-Guaranteed Return
Projected Investment Return:
Projected Investment Return:
(X% p.a.)
(Y% p.a.)
Service
Charge
(RM)

64
64
64

Asset
Management
Charge
(RM)
207
221
236

Cash Value Total Death

Benefit
(RM)
(RM)

16,153
17,203
18,374

66,153
67,203
68,374

Asset
ManageCash Value Total Death
ment
Benefit
(RM)
Charge
(RM)
(RM)
305
327
352

23,846
25,555
27,437

73,846
75,555
77,437

Direct
Distribution
Cost 4
(RM)

0
0
0

This represents the sum covered for Crisis Shield and Crisis Cover Plus, 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.

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 :

AHMAD SHAHRIR BIN SAID MF500084

13/9/2015
SQS - Agency ver 2.6.0.5 a

Page 4 of 19

Quotation for diana & pesa

PruBSN SmartLink

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 154.
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 and IUA 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 Takaful Saver if applicable ) are as per below table (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.

Certificate year
PUA contribution (RM)
Allocated contribution
Unallocated contribution

%
RM
%
RM

IUA contribution (RM)

Allocated contribution
Unallocated contribution

%
RM
%
RM

1,560.00
40.00
624.00
60.00
936.00
0.00
0.00
0.00
0.00
0.00

2
1,560.00
40.00
624.00
60.00
936.00
0.00
0.00
0.00
0.00
0.00

3
1,560.00
50.00
780.00
50.00
780.00
0.00
0.00
0.00
0.00
0.00

4
1,560.00
70.00
1,092.00
30.00
468.00
0.00
0.00
0.00
0.00
0.00

5
1,560.00
80.00
1,248.00
20.00
312.00
0.00
0.00
0.00
0.00
0.00

6
1,560.00
80.00
1,248.00
20.00
312.00
0.00
0.00
0.00
0.00
0.00

7 & above
1,560.00
100.00
1,560.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

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.

Page 5 of 19

Quotation for diana & pesa

PruBSN SmartLink

6. Projected Investment Return

X assumes 3.00% weighted gross growth in the PUA and IUA.
Y assumes 8.00% weighted gross growth in the PUA and IUA for the first 20 years, while 5.50% beyond 20th year.
The returns of X% and Y% have been used respectively to represent the range of possible weighted returns on the funds selected.
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.
7. Asset Management Charge
This refers to the investment management expenses for the PUA and IUA.
8. Cash Value
This is the projected value of units 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 and IUA. Please refer to Illustration of Projected Benefits Table for the breakdown.
9. 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 and IUA will be
payable.
10. Direct Distribution Cost
This is the commissions payable to agent comprises of basic commissions, production and persistency bonus.
It is inclusive of Takaful Saver commissions (if any). If you decide to stop the Takaful Saver contribution, the Takaful Saver commission deduction will
stop unless you continue to pay for the Takaful Saver contributon.

Page 6 of 19

Quotation for diana & pesa

PruBSN SmartLink

ILLUSTRATION OF PROJECTED BENEFITS

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

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Project Investment Return Y% p.a.

Protection Unit
Account (RM)

Investment Unit
Protection Unit
Account (RM)
Account (RM)
No Claim
Projected Cash Projected Cash Loyalty Bonus
Projected Cash Loyalty Bonus
Bonus
Value
Value
Credited
Credited
Value
Credited
0
0
0
0
520
1,228
2,244
3,261
4,270
5,276
6,286
7,300
8,300
9,270
10,211
11,124
12,010
12,907
13,840
14,807
15,811
16,856
17,943

0
0
0
0
0
0
0
0
0
0
78
0
0
78
0
0
78
0
0
78
0
0
78

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
0
0
0
79
80
81
162
164
166
248
251
255
337
342
347
431

0
0
0
0
519
1,269
2,366
3,516
4,713
5,961
7,274
8,655
10,088
11,562
13,081
14,647
16,265
17,978
19,818
21,787
23,394
25,086
26,870

0
0
0
0
0
0
0
0
0
0
78
0
0
78
0
0
78
0
0
78
0
0
78

Investment Unit
Account (RM)
No Claim
Projected Cash
Bonus
Value
Credited
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
0
0
0
82
87
92
180
191
203
297
315
334
436
452
469
567

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 6 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. Loyalty Bonus Credited
PruBSN shall credit 5% of annualised contribution (excluding contributions for top-ups and Takaful Saver contribution) into units in IUA upon
completion of 10th certificate year and every 3-years thereafter if you consistently pay your contribution on a timely manner, subject to terms and
condition stipulated in your certificate document. You have grace period of 30 days every month to ensure the contribution is paid on time.
3.2. 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.
3.3. Projected Cash Value
Projected cash value in Investment Unit Account. This value include Loyalty Bonus and No Claim Bonus.

Page 7 of 19

Quotation for diana & pesa

PruBSN SmartLink

ILLUSTRATION OF TABARRU' AND SERVICE CHARGE TABLE

Tabarru' Deduction

Allocated Contribution
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

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Protection
Investment
Unit Account Unit Account
(RM)
(RM)
624
624
780
1,092
1,248
1,248
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560
1,560

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

Annual Charges

Death
Benefit
Tabarru'
(RM)

Medical
Benefit
Tabarru'
(RM)

Other
Additional
Benefits
Tabarru'
(RM)

67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67
67

570
570
570
570
405
296
310
318
335
349
354
358
384
424
465
505
546
555
542
530
517
505
493

88
87
106
107
122
125
129
133
138
142
147
152
155
158
160
160
161
152
141
133
123
110
93

Service Charge
(RM)
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64
64

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.
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, Basic Enhancer benefit, Crisis Cover Plus benefit and Compassionate
Benefit, whichever is applicable.
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 the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-payment of
contribution.
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.

Presented by :
Date :
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Appendix
BRIEF DESCRIPTIONS OF THE PLAN
Basic Benefits
- In the event of death, the value of units in the PUA and the value of units in the IUA 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.
- 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.
Loyalty Bonus
- Loyalty Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit is not
guaranteed.
- This bonus pays 5% of your yearly PUA contributions upon completion of the 10th certificate year and every 3 years after that.
- You are only entitled to the loyalty bonus if you pay all the contributions due for each prevailing certificate year before the next certificate
anniversary.
- There will be no pro-rated amount of loyalty bonus payable upon death or maturity.
EduSmart Bonus
- EduSmart Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit is not
guaranteed.
- It is payable to participant upon excellent academic achievement of the covered person as follows:
Type of Exam

Award (RM)

Minimum
Achievement

780

5A

2,340

8A

2,340

4A

2,340

5A

2,340

3A

International
Baccalaureate (IB)

2,340

42 points

Diploma or Degree

3,120

CGPA 3.5/1st
class

Exam

Ujian Penilaian
Sekolah Rendah
National
(UPSR)
Examinations as
listed by Ministry of Sijil Pelajaran
Malaysia (SPM)
Education
Sijil Tinggi Pelajaran
Malaysia (STPM) or
Sijil Tinggi Agama
Malaysia (STAM)

International
Examination

Higher Education

General Certificate of
Secondary Education
(GCSE)
Advanced Level
General Certificate of
Education (A-Level)

- You are only entitled to the EduSmart Bonus if your contribution is up to date and the certificate is in-force as at application date of claiming the
benefit.
- There is 3-years waiting period before the first event that entitles you to receive this benefit.
- You need to notify PruBSN within 6 months from the date the exam result is obtained by submitting the certified true copy of your original exam
certificate. The copy of exam certificate can only be certified or acknowledged by the school/institution.

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Appendix
BRIEF DESCRIPTIONS OF THE PLAN
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 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.
- 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.
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.
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.
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.
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.

Presented by :
Date :
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Appendix
BRIEF DESCRIPTIONS OF THE PLAN
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 SmartLink 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 SmartLink 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.
Accidental Death and Disablement pays
- the compassionate allowance of RM2,000 on death due to natural and accidental causes.
- the sum covered on death or total and permanent disability due to accident.
- a percentage of the sum covered on disablement (based on scale of benefits) due to accident.
HealthEnrich pays the benefits according to the plan selected below in the event of hospitalisation or any other covered benefits due to illness or injury
before selected expiry age.
HealthEnrich Select
If You are Hospitalised
Hospital Daily Room and Board (200 days per year)

RM200

Intensive Care Unit (60 days per year)

Surgical Procedure and Treatment

As charged

In Hospital and Related Services

If You Need Outpatient Treatment
Day Surgery
Home Nursing Care (180 days per lifetime)
Pre-Hospitalisation & Post-Hospitalisation Treatment

As charged

(within 90 days before and after hospitalisation)

If You are Coping With Life-changing Illness
Cancer Treatment
Kidney Dialysis Treatment

As charged

If You are in an Emergency

Maternity
Maternity Complications
Complications

RM6,000
RM2,000 per
per year
year

Emergency Treatment for Accidental Injury

RM2,000 per year

Annual Limit

RM 60,000

Lifetime Limit

RM 600,000

Full Coverage
The full coverage plan requires no payment from the participant, except for items that are not covered under HealthEnrich, subject to limits in each
plan and terms and conditions as stated in the certificate documents.
List of covered complications for Maternity Complications:
1.
2.
3.
4.
5.
6.
7.
8.

Disseminated Intravascular Coagulation

Ectopic Pregnancy
Hydatidiform Mole
Postpartum Hemorrhage Requiring Hysterectomy
Eclampsia
Amniotic Fluid Embolism
Pulmonary Embolism of Pregnancy
Toxaemia of Pregnancy

Notes:
- Worldwide Emergency Medical Assistance is a complimentary service provided by a third party provider with 24-hour Line and can be terminated
by giving 14 calendar days prior notice to you.
- Worldwide coverage is for overseas residence not more than 90 days per year.
- Maternity Complications benefit is only applicable for female Covered Person and the coverage is from age 18 to age 45 only.

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Date :
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BRIEF DESCRIPTIONS OF THE PLAN

Appendix

Additional Benefits
Contributor pays an annual benefit equal to the PUA certificate contributions under the certificate upon covered person's total and permanent
disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier.
Parent Contributor pays an annual benefit equal to PUA certificate contribution under the certificate upon parent's total and permanent disability
before age 70, death or diagnosis of a critical illness during the certificate term or before age of parent reach 100, whichever earlier.

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Date :
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PRODUCT DISCLOSURE SHEET

Read this Product Disclosure Sheet before you decide to take up PruBSN
SmartLink. Be sure to also read the general terms and conditions.
PruBSN SmartLink
13/9/2015
1. What is this product about?
This investment-linked takaful certificate ( ILT) offers a combination of takaful protection 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. Medical and health rider
provides for hospitalisation and surgical expenses incurred due to illnesses covered under the certificate.
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?
Death benefit:
- Lump sum
Total and permanent disability benefit:
- Lump sum
- Regularly

Contributors

RM 50,000
RM 50,000

RM 1,560 p.a.

Critical illness benefit:

- Lump sum
- Regularly

Contributors
Accidental benefit:
- Death

RM 30,000

RM 1,560 p.a.
RM 35,000

Medical benefit - HealthEnrich Select:

If You are Hospitalised
- Hospital Daily Room and Board (200 days p.a.)

RM 200

- Intensive Care Unit (60 days p.a.)

- Surgical Procedure and Treatment

As charged
As charged

- In Hospital and Related Services

As charged

If You Need Outpatient Treatment

- Day Surgery
- Home Nursing Care (180 days per lifetime)

As charged
As charged

- Pre-Hospitalisation and Post-Hospitalisation Treatment

As charged

(within 90 days before and after hospitalisation)

If You are Coping With Life-changing Illnesses

- Cancer Treatment

As charged

- Kidney Dialysis Treatment

As charged

If You are in an Emergency

- Maternity Complications
- Emergency Treatment for Accidental Injury

RM 6,000 p.a.
RM 2,000 p.a.

Presented by :
Date :
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Reimbursement of medical expenses up to:

Annual Limit
Lifetime Limit

RM 60,000 p.a.
RM 600,000

Parent's death, critical illness and total and

permanent disability benefit:
- Regularly
Contributors

RM 1,560 p.a.

Funds chosen:
Takafulink Dana Urus (TDU):

100%

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.
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 that you have to pay:
Protection Unit Account:

RM 130.00

Total Contribution:

RM 130.00 Monthly

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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Date :
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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 death or total and permanent disability or diagnosis of a critical illness for children before age 5 next birthday, the sum covered
payable are as follow:
Age next birthday

% of sum covered

20%

2
3

40%
60%

4
80%
5
100%
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.
- HealthEnrich under the certificate will only start 120 calendar days after the commencement date of the certificate for specified illnesses and 30
days for all other illnesses. Cover for hospitalisation due to accidents commences immediately.
- Maternity Complications benefit of HealthEnrich under the certificate will only start 365 days after the commencement date of the certificate.
Full Coverage
- The full coverage plan requires no payment from the participant, except for items that are not covered under HealthEnrich, subject to limits in
each plan and terms and conditions as stated in the certificate documents.
*

Applicable to Crisis Shield, Crisis Cover Plus, Vital Care, Accidental Medical Reimbursement, HealthEnrich, Takaful Puteri, Takaful Puteri Plus, Crisis
Cover Income, Family Income Benefit, Baby Care, Contributor, Takaful Saver Contributor, Spouse Contributor, Takaful Saver Spouse Contributor,
Parent Contributor, Takaful Saver Parent Contributor, Joint Contributor, and Takaful Saver Joint Contributor only.

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

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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 and IUA 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.
Medical and Hospitalisation Income
Pre-existing condition.
Specified illnesses during the first 120 days of cover (please refer to the certificate documents for the list of the specified illnesses).
Any medical or physical conditions arising within 30 days from the date of coverage or date of reinstatement, except for accidental injuries.
Cosmetic surgery, circumcision, eye examination, glasses, lens, Lasik and the use of prosthetic and medical devices.
Dental condition including treatment or oral surgery to natural teeth except as necessitated by accidental injuries.
Experimental surgery or elective procedures except as a result of accidental injury, surgery or illness.
Bed rest, illegal drugs, intoxication, sterilisation, AIDS, HIV, all sexually transmitted diseases requiring quarantine by law.
Any treatment or surgery for congenital conditions including hereditary conditions.
Treatments or procedures relating to pregnancy or childbirth and its complications, prenatal or postnatal care except all those stated in certificate
document and, miscarriage, abortion, any contraceptive methods of birth control, treatments pertaining to infertility or erectile dysfunction and
impotence.
Routine medical examinations, hospitalisation solely for investigatory purposes /diagnostic imaging not coincidental to treatment of covered
disability or any treatments, medicines or examinations deemed not medically necessary or preventive in nature and treatments specifically for
weight reduction or gain example sleeve gastrectomy.
Suicide, attempted suicide or self-inflicted bodily injury while sane or insane.
Any injury or illness caused by any act of war, any violation or attempted violation of the law or to resist arrest, direct participation in riot, strike and
civil commotion.
Ionising radiation or radioactive contamination from any nuclear fuel or waste from nuclear fission or any nuclear materials.
Expenses incurred by donor or covered person for donation of any body organ and all costs of organ acquisition and its complications.
Investigation and treatment of sleep and snoring disorders, treatment of abnormal perspiration, therapy of hormone replacement, stem cells,
hyperbaric oxygen therapy, chiropodist consultation and treatment, chiropractic services, aromatherapy and any form of alternative therapies.
Care or treatment for which payment is not required or to the extent which is payable by other Takaful operators or indemnity covered under the
Workmans Compensation Insurance Contract.
Psychiatric, mental or nervous disorders and those due to senile disorders.
Expenses of non-medical services including but not limited to television, telephone, broadband, electricity bill, radio or admission kit.
Sickness or injury arising from any kind of racing, hazardous sports, aerial flights except as a crew member or a fare-paying passenger, or on a
licensed passenger-carrying commercial aircraft operating on a regular scheduled route.
Expenses incurred for sex changes or gender transformation.
Any insect bite including mosquito bites and worm infestation during the Waiting Period.
Charges which are not within Reasonable and Customary Charges or charges incurred after the Expiry Date.

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Accidental
War, invasion, act of foreign enemy hostilities whether it is declared or not, civil war, rebellion, revolution, insurrection, military or usurped power,
direct participation in riot, strike or civil commotion.
Any violation or attempted violation of the law or resistance to arrest.
Attempted suicide or self-inflicted injuries while sane or insane.
Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or non surgical
procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical,
mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and tests or
treatment related to impotence or sterilization.
Pre-existing physical or mental defect or infirmity.
Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as crew member of or as a fare-paying passenger on a
licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including bungee
jumping, hang-gliding, ballooning, parachuting and sky-diving), unless agreed to by a special endorsement.
Taking drugs or narcotic unless taken as prescribed by a qualified doctor or physician.
Alcohol and drugs intoxication.
Any insect bite including mosquito bites and worm infestation.
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 13/9/2015.

Presented by :
Date :
Version :

AHMAD SHAHRIR BIN SAID MF500084

13/9/2015
SQS - Agency ver 2.6.0.5 a

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