Enhanced a-EnrichGold-i (With 20pay30)

A-EnrichGold-i
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution.
Disclaimer
This presentation is purely a training tool for AIA PUBLIC Takaful Bhd.s (AIA PUBLIC) internal agency.
This presentation is not to be used directly/indirectly for soliciting Takaful business, Certificate Owner
services and/or facilitating any other form of communications with external parties whatsoever. Whilst
AIA PUBLIC has taken all reasonable care to ensure that the information contained in this presentation
is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or
completeness. You should not act on it without first independently verifying its contents. Any opinion or
estimate contained in this presentation is subject to change without notice.
The information with regard to investment/savings contained herein does not have any regard to the
specific investment objective(s), financial situation or the particular needs of any person. Any
investment and/or savings returns is subject to risks, including the possible loss of the principal amount
invested. Past performance is not necessarily a guide to the future or likely performance of the plans.
Potential investors may wish to seek advice from AIA PUBLICs representative before participating in
any plan. In the event that potential investors choose not to seek advice from a AIA PUBLICs
representative, they should consider whether the plan is suitable for them.
Any comparison contained herein pertains to specific products in the market and is based on information
gathered from marketing materials of the said product. Comparisons are made based on certain
assumptions as stated in this presentation. As such, the analysis is not to be generalized or applied to
all situations. This presentation is only for internal circulation and not to be construed as a marketing
material to be shared with any external party.
1
PRESENTATION ON :
A-EnrichGold-i
2
Agenda
Introduction
Takaful Concept
Marketing Proposition
Product
Underwriting Guidelines
Appendix
Exclusion
3
Agenda
Introduction
Takaful Concept
4
Takaful Concept
The word Takaful is derived from the Arabic verb kafala which simply
means to take care of ones needs.
Therefore, it is a pact between at least two parties agreeing to jointly

guarantee one another in the event of a loss, as a consequent of being
afflicted by a calamity.
The concept of Tabarru is based on solidarity, shared responsibility and

brotherhood among members.
Tabarru' means "donation; gift.
5
Agenda
Marketing Proposition
6
Are you seeking for a short pay savings plan that
provides scheduled income to support your life stage
needs?
Do you want to perform Hajj, Umrah and ziarah? Are you prepared
for your Retirement?
7
How are you going to achieve your life stage needs?
Too expensive Entry cost

too high
Property Investment?
Too high riskLack of
investment knowledge
Stock Investment?
Low risk Have to settle for
lower dividend. Limited
principal per person for high
Common Savings Medium? dividend product
8
A-EnrichGold-i
A first of its kind in the Takaful

market short pay savings plan
that offers both cash
benefits and potential growth in
fund invested.
Designed to help support your

financial goal to achieve your Life
Stage needs.
9
A-EnrichGold-i
70%
10
A-EnrichGold-i
Death & TPD Increasing Lifestyle

Benefit
Additional
protection on Maturity Benefit
Accidental death &
TPD
Ad-Hoc Top Up Upside Opportunity to

Potential invest in Shariah
Partial Flexibility Compliant funds
Withdrawal
Switching
11
A-EnrichGold-i Key Features
1. Short Contribution Payment Term
2. Maturity Benefit
3. Increasing Lifestyle Benefit
4. Death and TPD
5. Potential Growth on Fund Investment
6. Flexibility in Savings
12
Type 1: 10Pay25
10 Years of Contribution for 25 Years of Benefits

0 10 25 Years
Contribution
Benefits
Type 2: 20Pay30
20 Years of Contribution for 30 Years of Benefits

0 20 30 Years
Contribution
Benefits
13
2. Maturity Benefit
4. Death and TPD
14
2. Maturity Benefit
Type 1: 10Pay25
At your25th Certificate year, you will receive

a lump sum of 120% of your Basic Sum Covered.
Type 2: 20Pay30
At your30th Certificate year, you will receive

a lump sum of 150% of your Basic Sum Covered.
15
2. Maturity Benefit
Upon maturity you will get:
Accumulated
Lifestyle Benefit Account Value % of
(if applicable) Basic Sum Covered
(PAF) (PIF) (PRF)

16
2. Maturity Benefit
4. Takaful Coverage
17
3. Lifestyle Benefit for Type 1
End of Certificate % of Basic Sum
Year Covered
2 5%
4 5% Payment options are:
6 5%
8 5%
10 5% Accumulated Pay Out
11-20 (yearly) 8%
21-25 (yearly) 12%
Enjoy a scheduled Lifestyle Benefit starting from 2nd Certificate year, and it increases from the 11th
Certificate year onwards until maturity
Subject to the conditions that;

a) the Certificate is still in force; and
b) the Person Covered survives; and
c) the Person Covered is not suffering from any such disability which entitles him to a claim
for lump sum or advance payment of the Sum Covered of this Certificate (TPD claim). 18
Accumulated Payment Option
5% 8% 12%
% of Basic Sum Covered
2 4 6 8 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Years
Every 2 years Yearly
Total Maturity Value = Accumulated Lifestyle Benefit + 120% Basic Sum Covered + Account Value
Cash Pay Out Option

5% 8% 12%
2 4 6 8 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Years
Every 2 years Yearly
Total Maturity Value = 120% Basic Sum Covered + Account Value

19
Example 1:
Male non smoker, aged 35 with Annual Contribution of RM30,910

Basic Sum Covered: RM100,000
Option: Accumulated Lifestyle Benefit
5% 5% 5% 5% 5% 8% 8% 8% 8% 8% 8% 8% 8% 8% 8% 12% 12% 12% 12% 12% % of Basic Sum Covered
2 4 6 8 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Years
Contribution paid for 10 years = RM309,100

Total Maturity Value = RM651,790
*Total Maturity Value = Accumulated Lifestyle Benefit + 120% Basic Sum Covered + Account Value
*This is the projected maturity value under Scenario 1. The fund allocation is estimated to be at 50% for A-Dana Ekuiti & 50%
A-Dana Income. Accumulation rate is 4.18% (nett after tax). Please note that the investment performances of AIA PUBLIC
funds are not guaranteed
20
Example 2:

Option: Pay Out Lifestyle Benefit
5% 5% 5% 5% 5% 8% 8% 8% 8% 8% 8% 8% 8% 8% 8% 12% 12% 12% 12% 12% % of Sum Covered
2 4 6 8 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Years

Total Pay Out = RM165,000
Total Maturity Value = RM424,900 RM589,900
*Total Maturity Value = 120% Basic Sum Covered + Account Value
A-Dana Income. Please note that the investment performances of AIA PUBLIC funds are not guaranteed.
21
End of Certificate % of Basic Sum
Year Covered
2 5%
4 5%
6 5%
Payment options are:
8 5%
10 5%
Accumulated Pay Out
12-20 (every 2 5%
Certificate years)
21-30 (yearly) 12%
Enjoy a scheduled Lifestyle Benefit starting from 2nd Certificate year, and it increases from the 21st
Certificate year onwards until maturity
Subject to the conditions that;

a) the Certificate is still in force; and
b) the Person Covered survives; and
c) the Person Covered is not suffering from any such disability which entitles him to a claim
for lump sum or advance payment of the Sum Covered of this Certificate (TPD claim). 22
Accumulated Payment Option
5% 12%
2 4 6 8 10 12 14 16 18 20 21 22 23 24 25 26 27 28 29 30 Years
Every 2 years
Total Maturity Value = Accumulated Lifestyle Benefit + 150% Basic Sum Covered + Account Value
Cash Pay Out Option

5% 12%
2 4 6 8 10 12 14 16 18 20 21 22 23 24 25 26 27 28 29 30 Years
Every 2 years
Total Maturity Value = 150% Basic Sum Covered + Account Value

23
Example 1:

Option: Accumulated Lifestyle Benefit
5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 12% 12%12% 12%12% 12%12%12%12%12%
2 4 6 8 10 12 14 16 18 20 21 22 23 24 25 26 27 28 29 30 Years

Total Maturity Value = RM726,479
*Total Maturity Value = Accumulated Lifestyle Benefit + 150% Basic Sum Covered + Account Value
A-Dana Income. Accumulation rate is 4.18% (nett after tax). Please note that the investment performances of AIA PUBLIC
funds are not guaranteed
24
Example 2:

Option: Pay Out Lifestyle Benefit
5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 12% 12%12% 12%12% 12%12%12%12%12%
2 4 6 8 10 12 14 16 18 20 21 22 23 24 25 26 27 28 29 30 Years

Total Pay Out = RM170,000
Total Maturity Value = RM481,300 RM651,300
*Total Maturity Value = 150% Basic Sum Covered + Account Value
A-Dana Income. Please note that the investment performances of AIA PUBLIC funds are not guaranteed.
25
2. Maturity Benefit
4. Death and TPD
26
4. Death and Total and Permanent Disability (TPD)
i) Death & TPD

Total of Basic Sum Covered and Outstanding
Lifestyle Benefit
OR
200% Basic Sum Covered,
Whichever is HIGHER
Account Value
Accumulated Lifestyle Benefit (if any)
( )
Indebtedness (if any)
27
4. Death and Total and Permanent Disability (TPD)
i) Accidental Death & TPD

Total of Basic Sum Covered and Outstanding
Lifestyle Benefit
OR
200% Basic Sum Covered,
Whichever is HIGHER
Account Value
Additional 100% of Basic Sum Covered
Accumulated Lifestyle Benefit (if any)

( )
Indebtedness (if any)
28
2. Maturity Benefit
4. Death and TPD
29
Takaful Contribution
30% of the contribution paid belongs to A-Plus Enhancer-i

The contribution will be used to purchase units in the chosen funds, at
95% allocation rate.
Available AIA PUBLIC Funds:
1. A-Dana Income
2. A-Dana Equity
3. A-Dana Balanced
30
2. Maturity Benefit
4. Takaful Coverage
31
Partial Withdrawal*
You can withdraw

money when you
need it
*Subject to Terms and Conditions
32
Overview of A-EnrichGold-i: Type 1
0 10 25 Years
Contribution Accumulated Account Value 120% of

Lifestyle Benefit Basic Sum
Benefits (if applicable) Covered
Short Contribution Payment Term Maturity Benefit
Additional Death &

TPD for Accident
5% 10 8% 20 12% 25 Years Death & TPD

0
Total = 165% of Basic Sum Covered
Increasing Lifestyle Benefit Death and TPD 33

Overview of A-EnrichGold-i: Type 2
0 20 30 Years
Contribution Accumulated Account Value 150% of

Lifestyle Benefit Basic Sum
Benefits (if applicable) Covered
Short Contribution Payment Term Maturity Benefit
Additional Death &

TPD for Accident
5% 20 12% 30 Years Death & TPD

0
Total = 170% of Basic Sum Covered
Increasing Lifestyle Benefit Death and TPD 34

Agenda
Product
35
Takaful Model
Participant
A-Plus Enhancer-i
A-Enrich Gold-is Contribution
70% Contribution 30%
Pay Out of
Lifestyle Benefit (Wakalah Fee)
Al-Qard
Al-Hassan Takaful Operators
Fund
100%
50%
Investment
Profit
Surplus After 50%
Reserves
Accumulation of Lifestyle Benefit

(Optional)
100%
Investment 36
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution. Profit
Product Structure for Type 1
From Product Disclosure Sheet (PDS)
A-EnrichGold-i is a Shariah-Compliant 25 years Takaful coverage product, which offers a combination

of Ordinary Family Takaful and Investment-Linked Takaful plan with limited payment term of 10 years.
This product provides:
1.1 Ordinary Family Takaful: 70% of the Contribution paid (excluding loading, if any) will be allocated
as the Ordinary Family Takaful portion (known as Takaful Contribution).
The Takaful protection provides:
(a) Increasing Lifestyle Benefit (LB), payable at the end of completed Certificate Year as per
schedule below:
End of Certificate Year LB (% of Basic Sum Covered)
2 5%
4 5%
6 5%
8 5%
10 5%
11-20 (yearly) 8%
21-25 (yearly till maturity) 12%
37
(b) Death Benefit: In the event of death of the Person Covered, lump sum of total Basic Sum
Covered and outstanding LB or 200% of Basic Sum Covered, whichever is higher, shall be
payable. In the event of Accidental death, an additional 100% of the Basic Sum Covered shall
be payable.
(C) Total and Permanent Disability (TPD) Benefit: In the event of TPD of the Person Covered
prior to age 65, lump sum of total of Basic Sum Covered and outstanding LB or 200% of Basic
Sum Covered, whichever is higher, shall be payable. In the event of Accidental TPD of the
Person Covered prior to age 65, an additional 100% of the Sum Covered shall be payable1.
(d) Maturity Benefit: A minimum of 120% of Basic Sum Covered shall be payable upon Takaful
Certificate maturity.
1.2 Investment-Linked Takaful: 30% of the Contribution paid (excluding loading, if any,), known as A-
Plus Enhancer-is Contribution, will be allocated into Your chosen Investment Fund(s)2 with 95%
allocation rate, to enhance Your savings. The Account Value shall be payable upon Certificate
termination (upon death/TPD of the Person Covered, Maturity, Surrender) in addition to Certificate
benefits payable.
Notes
1 Basic TPD will be automatically provided if the Person Covered are of standard risk and his/her age is 60 years or below. The amount payable shall
be advanced from the Basic Sum Covered amount or 10% of the Basic Sum Covered amount in each of the first two years, followed by the remaining
80% in the third year, depending on the nature of TPD.
2 The Account Value (of A-Plus Enhancer-i) depends on the price of the underlying units, which in turn depends on the performance of the chosen
Investment Fund(s).
38
From Product Disclosure Sheet (PDS)
A-EnrichGold-i is a Shariah-Compliant 30 years Takaful coverage product, which offers a combination

of Ordinary Family Takaful and Investment-Linked Takaful plan with limited payment term of 20 years.
This product provides:
1.1 Ordinary Family Takaful: 70% of the Contribution paid (excluding loading, if any) will be allocated
as the Ordinary Family Takaful portion (known as Takaful Contribution).
The Takaful protection provides:
(a) Increasing Lifestyle Benefit (LB), payable at the end of completed Certificate Year as per
schedule below:
End of Certificate Year LB (% of Basic Sum Covered)
2-20 (every 2 Certificate years) 5%
21-30 (yearly till maturity) 12%
39
(b) Death Benefit: In the event of death of the Person Covered, lump sum of total Basic Sum
Covered and outstanding LB or 200% of Basic Sum Covered, whichever is higher, shall be
payable. In the event of Accidental death, an additional 100% of the Basic Sum Covered shall
be payable.
(C) Total and Permanent Disability (TPD) Benefit: In the event of TPD of the Person Covered
prior to age 65, lump sum of total of Basic Sum Covered and outstanding LB or 200% of Basic
Sum Covered, whichever is higher, shall be payable. In the event of Accidental TPD of the
Person Covered prior to age 65, an additional 100% of the Sum Covered shall be payable1.
(d) Maturity Benefit: A minimum of 150% of Basic Sum Covered shall be payable upon Takaful
Certificate maturity.
1.2 Investment-Linked Takaful: 30% of the Contribution paid (excluding loading, if any,), known as A-
Plus Enhancer-is Contribution, will be allocated into Your chosen Investment Fund(s)2 with 95%
allocation rate, to enhance Your savings. The Account Value shall be payable upon Certificate
termination (upon death/TPD of the Person Covered, Maturity, Surrender) in addition to Certificate
benefits payable.
Notes
1 Basic TPD will be automatically provided if the Person Covered are of standard risk and his/her age is 60 years or below. The amount payable shall
be advanced from the Basic Sum Covered amount or 10% of the Basic Sum Covered amount in each of the first two years, followed by the remaining
80% in the third year, depending on the nature of TPD.
2 The Account Value (of A-Plus Enhancer-i) depends on the price of the underlying units, which in turn depends on the performance of the chosen
Investment Fund(s).
40
Shariah Contract
Below are the Shariah contract adopted in A-EnrichGold-i:
Tabarru the amount deducted from the Contribution paid at a predefined portion and allocated into the Participants
Risk Fund as a donation for the purpose of mutual help and assistance to fellow Participants in need.
Wakalah the contract between Participant and the Takaful Operator, where Participant authorizes the Takaful
Operator to act on their behalf to conduct the affairs of Takaful businesses. The Takaful Operator will take a portion of
the Participants Contribution as a Wakalah Fee in return of these services.
Wakalah bi al-Istithmar the contract between Participant and the Takaful Operator, where Participants appoint the
Takaful Operator to undertake Shariah-compliant investment activities for Participants Investment Fund (PIF) and/or
Participants Accumulation Fund (PAF) on behalf of the Participant.
Jualah Takaful Operator will be entitled to earn up to 50% of the Surplus arising from the Participants Risk Fund as
an Ujrah (performance fee) for managing the fund efficiently which result in the surplus.
Al-Qard Al-Hasan is an interest-free loan provided by the Takaful Operator to the Participants Risk Fund in the
event it becomes deficit to enable it to pay Takaful benefit(s) to eligible Participants. This amount will be recovered from
the future Surplus prior to distribution.
Wadiah Yad Dhamanah the contract of safekeeping/trust deposit. It is a contract between Takaful Operator and the
Participants, where Takaful Operator acts as the Wadi (safe keeper or trustee) for the Future Contribution Deposit
Fund (FCDF). Takaful Operator can utilise (invest) the deposit and thus is obliged to guarantee the amount deposited in
the FCDF
41
Shariah Principles / Documentation
1.1 Takaful Model
1.1.1 Tabarru
i.The resolution of Shariah Advisory Council (SAC) of Bank Negara Malaysia, 24th meeting dated 24th April 2002: SAC
resolved that Takaful business based on tabarru is permissible, whereby the tabarru contract is concluded amongst the
participants. Tabarru is a recognised concept in Shariah:

And cooperate in righteousness and piety, but do not cooperate in sin and aggression
[al-Maidah: 2]
1.1.2 Wakalah
i. SAC Resolution, 24th meeting held on 24th April 2002: SAC resolved that Takaful business based on wakalah is permissible,
whereby the wakalah contract is concluded between participants and the Takaful operator.
1.1.3 Wakalah bi al-Istithmar
i. SAC Resolution, 2nd special meeting held on 18th June 2007: SAC recognized the principles of wakalah bi al-istithmar in
Islamic finance product and resolved that the principles are identical to principles of mudarabah because the agent receives
the deposit money from the customer for the purpose of investment. However, wakalah is based on ujrah or commission. SAC
further resolved that the application of wakalah principles in this form is not contrary to the objectives of Shariah as long as the
original features of wakalah are being preserved.
42
1.2 Distribution of Surplus from PRF (Jualah)
1.2.1 SAC Resolution, 42nd, 59th and 62nd meetings held on 25 March 2004, 25 May 2006 and 4 October 2006 respectively:
i. SAC resolved that surplus from PRF may be distributed amongst the participants and the takaful company.
ii. For takaful model based on wakalah concept, the PRFs surplus may be taken by the takaful fund manager as a performance
fee based on an agreed percentage. This is in line with the following fiqh maxim:

The original ruling for a contract is the consent of the contracting parties and its effect is based on what have become the
rights and duties as agreed in the contract.
1.3 Deficiency in PRF (Qard)

1.3.1 SAC Resolution, 38th, 46th and 62nd meeting dated 28 August 2003, 28 October 2004 and 4 October 2006 respectively:
i. SAC resolved that takaful company shall make an outright transfer from the shareholders fund to the PRF fund in the event
the deficit is still persistent or due to mismanagement of the PRF.
ii. Qard from shareholders fund is an interest free loan which is in line with Shariah principles.
iii. From siyasah syariyyah perspective, it is a prudent precautionary measure to protect the interests of the public and takaful
industry as a whole. This is in line with the following fiqh maxims:

Public interest is given priority over specific interest.
43
1.4 Lifestyle Benefit
1.4.1 SAC Resolution, 102nd meeting held on 22nd June 2010:
i. SAC resolved that payment of takaful benefits from PRF can be made contingent upon specific events beyond those
arising from a defined financial loss or a misfortune (e.g. death, disability or calamity), subject to agreement by the
contracting parties i.e. the participants.
ii. Example of the benefit is survival benefit, such as retirement benefit and annuity to provide financial assistance to
sustain post retirement and golden age.
iii. The decision is made in line with the feature of takaful contract which is established based on concept of tabarru and
taawuni amongst participants. These two concepts allow participants to agree on the events leading to payment of the
takaful benefits.
1.5 Surrender Benefit

1.5.1 SAC Resolution, 102nd meeting held on 22nd June 2010: SAC resolved that the payment of surrender benefit from PRF to
participants who surrender his/her takaful certificate is permissible, and does not contravene the tabarru concept,
provided it is agreed upon by the participants and stated clearly in the certificate.
1.6 Maturity Benefit
1.6.1 SAC Resolution, 102nd meeting held on 22nd June 2010: SAC resolved that the payment of maturity benefit from PRF to
participants is permissible, and does not contravene the Tabarru concept, provided it is agreed upon by the participants
and stated clearly in the certificate.
44
About A-EnrichGold-i
A-EnrichGold-i
Optional Contribution
Compulsory Rider
Paying Riders
A-Plus Enhancer-i A-Plus Payor-i
A-Plus PayorCI-i
A-Plus Waiver-i
A-Plus DisabilityCare-i
45
An optional Contribution paying rider attachable to regular Contribution

Ordinary Family Takaful plans
In the event the Person Covered suffers TPD prior to age 65 years old, the
following benefits will be provided:
a) The rider Sum Covered will be paid. The rider Sum Covered payable is
depending on the nature of the disability.
- Suited Occupation:
10% of the rider sum covered in each of the first two Takaful Certificate
anniversaries and 80% on the third Takaful Certificate anniversary
- Presumptive Disability or Any Occupation:
A lump sum of the rider sum covered
The rider shall terminate upon payment of 100% of the rider Sum
Covered amount.
46
b) The Contributions due for this rider and the basic plan for the Sum Covered
equal to this rider Sum Covered will be waived.
Example:
Basic Plan Sum Covered = 100k
APDC Sum Covered = 50k
Contribution to be waived upon Disability = Contribution for 50k of Basic
plan + Contribution for APDC
The balance of 50k Sum Covered for the Basic plan shall be continuously
paid by the participant
The first Contribution to be waived shall be the one falling due immediately
after the date of the commencement of disability.
However, no Contribution due more than one year prior to the date of receipt
of the notice of claim will be waived.
47
A-Plus Payor-i

Future contributions of the Person Covereds Basic Takaful Certificate will
be waived until the Person Covered reaches age 25, or the Contribution
paying term of the Basic Takaful Certificate, whichever is earlier, when the
Payor (Participant) dies or becomes totally and permanently disabled
before reaching age 65.
A-Plus Payor-i (if attached) will be terminated once the waiver of
Contribution benefit of this rider is in effect.
Entry age is:
Minimum Age Maximum Age
Person Covered
14 days old 15 years old
(Basic Certificate)
Payor (Participant) 16 years old 60 years old
48
A-Plus PayorCI-i
An optional Contribution paying rider attachable to regular Contribution Ordinary

Family Takaful plans
Future contributions of the Person Covereds Certificate will be waived until the
Person Covered reaches age 25 or the Contribution paying term of the Basic Takaful
Certificate, whichever is earlier when the Payor (Participant) is diagnosed with any
one of the Covered Critical Illnesses or undergoing a Covered Surgery
A-Plus Payor-i must first be attached to the basic plan before this rider can be
attached to the basic plan
Entry Age Minimum Age Maximum Age
Person Covered
(Basic Certificate) 14 days old 15 years old
Payor (Participant) 16 years old 60 years old
Waiting period
60 days for Cancer, Heart Attack, Coronary Artery By-Pass Surgery, and Other Serious
Coronary Artery Disease.
30 days for other critical illnesses.

49
A-Plus PayorCI-i
The covered critical illnesses are as follows:
50
A-Plus Waiver-i

Future contributions of the Person Covereds Basic Takaful Certificate will
be waived upon diagnosis of any one of the Covered Critical Illnesses or
actually undergoes a Covered surgery
Waiting period:
60 days for Cancer, Heart Attack, Coronary Artery By-Pass Surgery, and Other
Serious Coronary Artery Disease.
30 days for other critical illnesses.
Entry Age
Minimum Age Maximum Age
Person Covered 14 days old 60 years old
Participant 16 years old 60 years old
51
How does A-EnrichGold-i works?
Takaful
Contribution Lifestyle Benefit
70% Flexible Options:

1. Payout; or
2. Accumulate
A-EnrichGold-is
Contribution
30% 95% Allocation
A-Plus Investment Funds

Enhancer-i
Fund Switching
Ad-Hoc Top up
(NB & POS)
Partial Withdrawal
52
How is the Contribution being allocated?
Example: Annual Contribution = RM10,000
RM7,000
(70% of RM10,000)
A-Plus Enhancer-i RM3,000*
Contribution (30% of RM10,000)
Total Annual Contribution RM10,000
*RM3,000 is used to purchase units in the chosen AIA PUBLIC funds with 95% allocation rate i.e RM2,850 (95% x RM3,000)
53
Agenda
Underwriting Guidelines
54
Underwriting Rules
Person Covereds Entry Age 14 days to age 65 years old (death) and
60 years old (TPD)
Participants Entry Age 16 Years old with no limit

Certificate Term Type 1: 25 years
Type 2: 30 years
Contribution Payment Term Type 1: 10 years
Type 2: 20 years
Basic Sum Covered Minimum: RM15,000
Maximum: subject to underwriting
*The Basic Sum Covered must be in
multiples of RM1,000
Occupation Class 1 to 4, subject to underwriting

Optional Riders A-Plus Payor-i
A-Plus PayorCI-i
A-Plus Waiver-i
A-Plus DisabilityCare-I
55
Underwriting Rules
Underwriting Normal underwriting

(not applicable for Keyman Takaful)
Medical / Occupational Loading Applicable

Risk backdating Yes (maximum up to 6 months)
Contribution Payment Mode Monthly, Quarterly, Semi-Annually,
Annually
Modal Factor Annual - 1.0000
Semi-annually - 0.5000
Quarterly - 0.0833
Monthly - 0.2500
56
Certificate Owner Service (POS)
Applicable
Partial Withdrawal (Account Value: Minimum amount is RM1,000 and the

minimum balance after withdrawal must be at least
RM1,000)
Applicable upon NB and POS

Ad-Hoc Top Up
Minimum : RM500
Maximum : No maximum amount
Applicable
Fund Switching
(Subject to a minimum switch amount of RM50
*Unlimited free switching)
*AIA PUBLIC deserves the right to revise the switching fee

57
Applicable
Sequence in NFO:
1. Suspense
Non-Forfeiture Option (NFO) 2. Future Contribution Deposit Fund
3. Accumulated / Declared Lifestyle Benefit
Payment
4. Account Value (for Automatic
Contribution Scheme)
Applicable.
Only based on the Surrender Value.
Reduced Paid-Up Takaful (RPU) The Account Value (if any) and the
Accumulated Lifestyle Benefit (if any) will be
refunded upon RPU
58
No Fund Current FMC Max FMC

1 A-Dana Equity 1.500% 1.500%
2 A-Dana Income 0.500% 1.000%
Fund Management Charge 3 A-Dana Balanced 1.200% 1.500%
4 A DALI Equity 1.500% 1.500%
Applicable.
After deduction of Wakalah Fee from the Takaful
Tabarru Contribution (from the 70% of A-Enrich Gold-is
Contribution), the remaining portion will be allocated
into the PRF as Tabarru.
Monthly Service Charge Not applicable
59
1. Increase in Sum Covered is only applicable within the

first Certificate Year
2. Reduction in Sum Covered is applicable
Change of Sum Covered
The Lifestyle Benefit will be calculated based on the
current Sum Covered
Add / Deletion of Rider Applicable
60
Non-Forfeiture Options
Automatic Non-Forfeiture Options

1.Only applicable after the Certificate has acquired Surrender Value and while
the Certificate is in force
2.Automatic Contribution Scheme (ACS)
If Contribution is not paid within the Grace Period, we will:
a)
(i) Deduct from any available Accumulated
Lifestyle Benefit
Accumulated
Lifestyle
Benefit
To pay for Takaful

Contribution + Riders
Contribution + ACS charge
61
Automatic Contribution Scheme
(ii) If there is no Accumulated Lifestyle Benefit or the Accumulated Lifestyle Benefit (if any)
has been exhausted or the Accumulated Lifestyle Benefit is insufficient to make the
payment, we will:
If Account Value is sufficient If Account Value is insufficient
Account
Value in PIF Account
Value in PIF
To pay for Takaful Contributions for

A-EnrichGold-i, all attached Riders To pay for Takaful Contribution
contribution and ACS Charge for A-EnrichGold-i and ACS
Charges. Riders will lapse
62
b) If the remaining Account Value is insufficient to cover the Takaful

Contribution and the ACS Charge, we will:
Refund the balance of Account Value to the Participant. This Certificate and
any attachable Rider(s) shall subsequently terminate
c) There will be Automatic Contribution Scheme Charge (ACS Charge)
imposed upon ACS taking into effect. ACS Charge are as follows:
Takaful Contribution: RM5 per month*
Each Riders Contribution: RM 2 per month*
* We reserve the right to revise this fee by giving Participant at least three (3) months prior written notice, prior to the
Certificate Anniversary
d) Upon the exercise of ACS the Contribution payment mode will automatically
change to Monthly mode (from Annual / Semi-Annual / Quarterly)
63
e) To avoid early termination of the Takaful Certificate, Participants need to pay
the total amount of the unpaid Contribution:
i. AEGis Contribution + Riders Contribution
ii. AEGis Contribution only (Riders will be terminated)
or ACS Charge will still be chargeable.
64
Future Contribution Deposit Option (FCDO)
Designed using the Wadiah Concept
All future Contributions that

Participants want to pay
A-EnrichGold-is
Contribution
Contribution will be
deducted upon the
Future Contribution due
date
Contribution The contribution
Deposit Option mode will be
FCDO is a guaranteed (FCDO) defaulted to be at
safekeeping without profit Annual mode
sharing.
65
Future Contribution Deposit Option (FCDO)
Conditions of FCDO
o Option is not applicable to Monthly mode
o Minimum target term = 5 years
Maximum Target Term = Up to Contribution Paying Term
o If Target term is < 5 years, Future Contribution Deposit Term must be defaulted to 1
year
o Participants are only allowed to withdraw the full amount from FCDO
o Partial withdrawal are not allowed
o Withdrawal fee may be imposed (currently it is free)
o If the FCDO has been withdrawn, the Participant will be prohibited from using this
facility for 1 year from the date of withdrawal
o Upon termination of Certificate (Death/TPD/Surrender/Maturity), the balance in the
FCDO will be refunded
Future
Contribution
Deposit Option
(FCDO)
66
Agenda
Appendix
67
Exclusion
SUICIDE
If the Person Covered, whether sane or insane, commits suicide within one
(1) year from the Issue Date or Commencement Date, whichever is later,
our liability shall be limited to the refund of the unutilised Contribution paid
(unutilised Tabarru from PRF and unearned Wakalah Fee from the Basic
Takaful Contribution and Riders Contribution, if any) and the Account
Value. This Certificate shall then terminate.
68
SQS
69
SQS
70
Key in the Sum
Covered of A-
EnrichGold-i
Contributions will
be automatically
displayed.
Optional
Key in the amount
for Top Up
Key in the fund

allocation
71
Choose the payout
option & the mode
of payment
72
Click on
Generate
Select the Rider
73
74
Thank you

Enhanced a-EnrichGold-i (With 20pay30)

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Enhanced a-EnrichGold-i (With 20pay30)

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A-EnrichGold-i

Therefore, it is a pact between at least two parties agreeing to jointly

The concept of Tabarru is based on solidarity, shared responsibility and

Tabarru' means "donation; gift.

Too expensive Entry cost

A first of its kind in the Takaful

Designed to help support your

Death & TPD Increasing Lifestyle

Ad-Hoc Top Up Upside Opportunity to

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit

4. Death and TPD

5. Potential Growth on Fund Investment

10 Years of Contribution for 25 Years of Benefits

20 Years of Contribution for 30 Years of Benefits

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit

4. Death and TPD

5. Potential Growth on Fund Investment

At your25th Certificate year, you will receive

At your30th Certificate year, you will receive

Upon maturity you will get:

(PAF) (PIF) (PRF)

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit

5. Potential Growth on Fund Investment

Subject to the conditions that;

Every 2 years Yearly

Cash Pay Out Option

Every 2 years Yearly

Total Maturity Value = 120% Basic Sum Covered + Account Value

Male non smoker, aged 35 with Annual Contribution of RM30,910

Contribution paid for 10 years = RM309,100

Male non smoker, aged 35 with Annual Contribution of RM30,910

Contribution paid for 10 years = RM309,100

*Total Maturity Value = 120% Basic Sum Covered + Account Value

21-30 (yearly) 12%

Subject to the conditions that;

Cash Pay Out Option

Total Maturity Value = 150% Basic Sum Covered + Account Value

Male non smoker, aged 35 with Annual Contribution of RM18,480

Contribution paid for 20 years = RM369,600

Male non smoker, aged 35 with Annual Contribution of RM18,480

% of Basic Sum Covered

Contribution paid for 20 years = RM369,600

*Total Maturity Value = 150% Basic Sum Covered + Account Value

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit

4. Death and TPD

5. Potential Growth on Fund Investment

i) Death & TPD

Accumulated Lifestyle Benefit (if any)

i) Accidental Death & TPD

Additional 100% of Basic Sum Covered

Accumulated Lifestyle Benefit (if any)

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit

4. Death and TPD

5. Potential Growth on Fund Investment

30% of the contribution paid belongs to A-Plus Enhancer-i

1. Short Contribution Payment Term

3. Increasing Lifestyle Benefit