ummah (male 30 thn).pdf

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PRUDENTIAL BSN TAKAFUL BERHADPruBSN Ummah PLAN ILLUSTRATION

30/6/2013Date:Prepared by : RAMLAN BIN OTHMAN 8RO00001

PruBSN Ummah Plan forALI BIN ABU

Details

Name

Age next birthday

Gender

Smoking status

Occupation class

: ALI BIN ABU

: 30

: Male

: No

: Class 1

: 30/06/1984Date of birth

: RM 20,000Basic sum covered

Payment frequency

Payment method

: Monthly

: Cash / Cheque

Tentative maturity date : 1/7/2034

Person to be Covered

Actual Investment ProfitProjected Investment Profit

Scenario 1

Scenario 2

3.00%

Gross Net

2.21% PruBSNParticipant

Allocation of Investment Profit

80% 20%3.39%4.61%

2.56%

3.65%

3.35%2.70%

3.80%

2.91%2007

2008

2009

ISATabarru'

FundYear

Note : Net projected investment profit after tax deductionand investment profit sharing

2006 N/A N/A

4.24%4.31%2010

ALI BIN ABU is eligible for simplified underwriting. Please fill in Section A and B of Part 3 in the Proposal Form.If ALI BIN ABU has existingPruBSN Protect, PruBSN ProtectPlus, PruBSN CrisisCover, PruBSN Ummah certificate or any other PruBSN's traditional plan, ALI BIN ABU

may need to provide additional requirement when advised.

PruBSN Ummah for 21 year(s) 20,000 50.00

Compassionate Benefit for 21 year(s) 2,000

Badal Hajj Benefit for 21 year(s) 3,000

Details Of Plan

Plan

Basic Contribution (A) RM 50.00

Contribution (RM)Sum Covered (RM)Term

Basic:

Crisis Shield for 21 year(s) 15,000 4.00

Double Takaful Plus for 21 year(s) 20,000 2.00

Contributor for 21 year(s) 624 p.a. 3.00

Ummah Saver Contributor for 21 year(s) 120 p.a. 1.00

Supplementary:

Supplementary Contribution (B) RM 20.00

Ummah Saver for 21 year(s) 120 p.a. 10.00

Total Contribution (A + B) RM 70.00

Plan Type

Description

: Term Takaful Plan

: PruBSN Ummah plan is a regular contribution Term Takaful certificate.

This certificate offers Takaful protection for 21 years. It pays a lump sum benefit upon death or total and permanent disability ofthe covered person before the expiry of the term.

This plan participates in investment profit.

Compassionate benefit is payable upon death of the covered person on top of the Basic Sum Covered.

Badal Hajj benefit is payable upon death or total and permanent disability of the covered person. This is paid on top of the BasicSum Covered benefit on per life basis.

The Basic Contribution covers PruBSN Ummah, Compassionate benefit and Badal Hajj benefit.

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30/6/2013Date:Prepared by : RAMLAN BIN OTHMAN 8RO00001


Basic Sum Covered payable is double upon death or total and permanent disability while performing Hajj or Umrah for unlimitedtrip per year during the certificate term.

Crisis Shield Sum Covered is payable upon the diagnosis of a critical illness. This is paid in lieu with the Basic Sum Covered. Theexcess of Basic Sum Covered (if any) can be continued with the payment of contributions.

Contributor pays an annual benefit equal to the certificate contributions on the covered person total and permanent disability ordiagnosis of a critical illness during the term of the certificate. If the Crisis Shield Sum Covered is equal to Basic Sum Covered, itis not advisable to attach Contributor to this plan.

Ummah Saver Contributor pays an annual benefit equal to the Ummah Saver certificate contributions on the covered person totaland permanent disability before age 70 or diagnosis of critical illness during the term of the certificate.


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Illustration of Expected Benefits

End ofCertificate

YearAge

ContributionPaid

Beginning ofYear(RM)

Percentage(%)

ActualAmount

(RM)

Wakalah Charge Guaranteed

TF

Basic DeathBenefit(RM)

AdditionalDeath Benefit

uponHajj/Umrah (RM)

CompassionateBenefit(RM)

Up Front Wakalah

Badal HajjBenefit(RM)

Crisis ShieldBenefit(RM)

1 30 720.00 75.00 540.00 20,000 0 2,000 3,000 15,000

2 31 720.00 60.00 432.00 20,000 0 2,000 3,000 15,000

3 32 720.00 50.00 360.00 20,000 0 2,000 3,000 15,000

4 33 720.00 45.00 324.00 20,000 20,000 2,000 3,000 15,000

5 34 720.00 30.00 216.00 20,000 20,000 2,000 3,000 15,000

6 35 720.00 25.00 180.00 20,000 20,000 2,000 3,000 15,000

7 36 720.00 20.00 144.00 20,000 20,000 2,000 3,000 15,000

8 37 720.00 15.00 108.00 20,000 20,000 2,000 3,000 15,000

9 38 720.00 15.00 108.00 20,000 20,000 2,000 3,000 15,000

10 39 720.00 15.00 108.00 20,000 20,000 2,000 3,000 15,000

11 40 720.00 10.00 72.00 20,000 20,000 2,000 3,000 15,000

12 41 720.00 10.00 72.00 20,000 20,000 2,000 3,000 15,000

13 42 720.00 10.00 72.00 20,000 20,000 2,000 3,000 15,000

14 43 720.00 10.00 72.00 20,000 20,000 2,000 3,000 15,000

15 44 720.00 10.00 72.00 20,000 20,000 2,000 3,000 15,000

16 45 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

17 46 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

18 47 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

19 48 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

20 49 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

21 50 720.00 5.00 36.00 20,000 20,000 2,000 3,000 15,000

(a) (b) (c) (d) (e) (f) (g) (h) (i) (j)

Continued ------->


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= Current year

2

1

Scenario 2 (y%) assumes growth of 4.61% per annum gross before tax in the Individual Special Account.

Scenario 1 (x%) assumes growth of 3.00% per annum gross before tax in the Individual Special Account.

t

ISAContributionPaid

Beginning ofYear(RM)

Age

End ofCertificate

Year

Illustration of Expected Benefits

OF

ContributionPaid

Beginning ofyear into

ISA(RM)

Total Tabarru'(RM)

Investment Profi t Accumulated ISA

Scenario 1(x%)(RM)

Scenario 2(y%)(RM)

Scenario 2(y%)(RM)

Scenario 1(x%)(RM)

AccumulatedCash Value

(RM)

Total Benefits

Scenario 1 (x%)

AccumulatedLoyalty Bonus

(RM)

Total DeathBenefit(RM)

Total DeathBenefit(RM)

AccumulatedCash Value

(RM)

Scenario 2 (y%)

1 30 720.00 180.00 60.00 1.43 2.19 121.43 122.19 0.00 121.43 22,121.43 122.19 22,122.19

2 31 720.00 288.00 60.72 5.40 8.29 354.11 357.76 0.00 354.11 22,354.11 357.76 22,357.76

3 32 720.00 360.00 61.80 11.37 17.60 663.68 673.56 0.00 663.68 22,663.68 673.56 22,673.56

4 33 720.00 396.00 63.48 18.62 28.93 1,014.82 1,035.01 0.00 1,014.82 23,014.82 1,035.01 23,035.01

5 34 720.00 504.00 64.68 27.66 43.14 1,481.80 1,517.47 36.00 1,481.80 23,481.80 1,517.47 23,517.47

6 35 720.00 540.00 66.72 38.36 60.14 1,993.44 2,050.89 36.00 1,993.44 23,993.44 2,050.89 24,050.89

7 36 720.00 576.00 68.64 50.06 78.86 2,550.86 2,637.11 36.00 2,550.86 24,550.86 2,637.11 24,637.11

8 37 720.00 612.00 71.40 62.77 99.36 3,154.23 3,277.07 36.00 3,154.23 25,154.23 3,277.07 25,277.07

9 38 720.00 612.00 75.12 76.05 121.01 3,767.16 3,934.96 36.00 3,767.16 25,767.16 3,934.96 25,934.96

10 39 720.00 612.00 81.96 89.50 143.21 4,386.70 4,608.21 144.00 4,386.70 26,386.70 4,608.21 26,608.21

11 40 720.00 648.00 89.28 103.55 166.57 5,048.97 5,333.50 144.00 5,048.97 27,048.97 5,333.50 27,333.50

12 41 720.00 648.00 97.92 118.03 191.03 5,717.08 6,074.61 144.00 5,717.08 27,717.08 6,074.61 28,074.61

13 42 720.00 648.00 107.76 132.68 215.99 6,390.00 6,830.84 144.00 6,390.00 28,390.00 6,830.84 28,830.84

14 43 720.00 648.00 117.72 147.40 241.47 7,067.68 7,602.59 144.00 7,067.68 29,067.68 7,602.59 29,602.59

15 44 720.00 648.00 127.44 162.26 267.46 7,750.50 8,390.61 360.00 7,750.50 29,750.50 8,390.61 30,390.61

16 45 720.00 684.00 138.12 177.66 294.67 8,474.04 9,231.16 360.00 8,474.04 30,474.04 9,231.16 31,231.16

17 46 720.00 684.00 149.28 193.50 322.97 9,202.26 10,088.85 360.00 9,202.26 31,202.26 10,088.85 32,088.85

18 47 720.00 684.00 160.92 209.41 351.86 9,934.75 10,963.79 360.00 9,934.75 31,934.75 10,963.79 32,963.79

19 48 720.00 684.00 175.08 225.44 381.32 10,669.11 11,854.03 360.00 10,669.11 32,669.11 11,854.03 33,854.03

20 49 720.00 684.00 189.84 241.46 411.23 11,404.73 12,759.42 720.00 11,404.73 33,404.73 12,759.42 34,759.42

21 50 720.00 684.00 206.40 257.51 441.66 12,139.84 13,678.68 720.00 12,139.84 34,139.84 13,678.68 35,678.68

Non-Guaranteed

1 12 2

1 2

(a) (r)(q)p( ) = p( -1) +(k) - (l) + (n)

o( ) =o( -1) + (k)- (l) + (m)

(n)(m)(l)(k) = (c)-(e)(c)(b) (v) = (u) + (f) +

(h)(u)

(s) = (r) + (f) +(h)

t t t t


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Accumulated ISA for Ummah SaverInvestment Profit

ad( ) =ad( -1) +(z) + (ab)

ac( ) =ac( -1) +(z) + (aa)

Illustration of Expected Benefits - Ummah Saver

End ofCertificate

YearAge

Ummah SaverContribution

Paid Beginningof Year(RM)

Percentage(%)

ActualAmount

(RM)

Wakalah Charge Non-Guaranteed

ISA for Ummah Saver

Contribution PaidBeginning of year

into ISA for UmmahSaver (RM)

Scenario 1 (x%) Scenario 2 (y%)

Up Front Wakalah

Scenario 1 (x%) Scenario 2 (y%)

1 30 120.00 5.00 6.00 114.00 1.35 2.09 115.35 116.09

2 31 120.00 5.00 6.00 114.00 3.91 6.03 233.26 236.12

3 32 120.00 5.00 6.00 114.00 6.50 10.09 353.76 360.21

4 33 120.00 5.00 6.00 114.00 9.17 14.34 476.93 488.55

5 34 120.00 5.00 6.00 114.00 11.90 18.66 602.83 621.21

6 35 120.00 5.00 6.00 114.00 14.65 23.17 731.48 758.38

7 36 120.00 5.00 6.00 114.00 17.52 27.82 863.00 900.20

8 37 120.00 5.00 6.00 114.00 20.40 32.63 997.40 1,046.83

9 38 120.00 5.00 6.00 114.00 23.38 37.62 1,134.78 1,198.45

10 39 120.00 5.00 6.00 114.00 26.42 42.75 1,275.20 1,355.20

11 40 120.00 5.00 6.00 114.00 29.52 48.06 1,418.72 1,517.26

12 41 120.00 5.00 6.00 114.00 32.68 53.56 1,565.40 1,684.82

13 42 120.00 5.00 6.00 114.00 35.92 59.28 1,715.32 1,858.10

14 43 120.00 5.00 6.00 114.00 39.23 65.12 1,868.55 2,037.22

15 44 120.00 5.00 6.00 114.00 42.61 71.20 2,025.16 2,222.42

16 45 120.00 5.00 6.00 114.00 46.07 77.48 2,185.23 2,413.90

17 46 120.00 5.00 6.00 114.00 49.62 83.99 2,348.85 2,611.89

18 47 120.00 5.00 6.00 114.00 53.23 90.70 2,516.08 2,816.59

19 48 120.00 5.00 6.00 114.00 56.92 97.65 2,687.00 3,028.24

20 49 120.00 5.00 6.00 114.00 60.68 104.83 2,861.68 3,247.07

21 50 120.00 5.00 6.00 114.00 64.54 112.26 3,040.22 3,473.33

(a) (b) (w) (x) (y) (z) = (w)-(y) (aa) (ab)

t

Scenario 1 (x%) assumes growth of 3.00% per annum gross before tax in the Individual Special Account.

Scenario 2 (y%) assumes growth of 4.61% per annum gross before tax in the Individual Special Account.

1

2

= Current year

1 12 2

t t t t


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PruBSN Ummah Plan for

ALI BIN ABU

1.

Notes:

The information set out below forms part of the Plan Illustration.

This is a summary illustration of projected benefits. It is intended to show the movements of possible cash flows for the investment and theimpact of wakalah charges and Tabarru' on surrender value based on the assumptions stated in this illustration.

ISA refers to Individual Special Account.2.

3. TF refers to Tabarru' Fund.

Total death benefits ((s) or (v)) will never be less than those in column (f).Accumulated ISA illustrates the benefits payable based on the investment strategy for this type of plan, PruBSN current practices andassessment of future experience in a Scenario 1 and Scenario 2 investment profit scenarios.

The accumulated ISA may fall below the total contributions in the ISA, depending on the actual performance of the fund.

The investment profits illustrated here are for illustration purposes only and are NOT GUARANTEED. The actual return may be below theprojected rates or negative.

The actual investment profit that would be declared may be more or less, depending on the operating and investment results experienced byPruBSN.

Past actual performance is not a guide to future performance which may be different.

4.

5.6.

7.

8.

9.

10.

You should satisfy yourself that the plan serves your needs and that you can afford the contribution.

Death benefit is guaranteed as in the event of deficiency in Tabarru’ fund, PruBSN shall rectify the deficit through an interest free loan (Qardal-hasan).

11.

12.

The benefit(s) is only applicable as long as the certificate is in force.

All contributions and benefit amounts are stated in monetary value.15. 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, distribution and risk management affect these benefits.

13.

The illustration includes a schedule that shows how the value of the certificate changes over time.

14.

16.

17.

OF refers to Operator's Fund.

Should you stop paying the regular contributions, the plan may continue for as long as there is sufficient ISA value in your certificate. TheTabarru' for basic and supplementary benefits (if any) will be deducted as usual. Basic and supplementary benefits (if any) will be kept inforce until it has no ISA value at which time you should resume the payment of regular contribution or risk lapsing your certificate.

Commissions

End ofCertificate

Year

Commissions borne by you and paid fromyour contributions

Proportion of

Contributions Deductedfor Commissions(%)

Actual Amount(RM)

1 56.26 472.56

2 34.83 292.56

3 22.83 191.76

4 17.69 148.56

5 9.11 76.56

6 9.11 76.56

The above illustration assumes a non investment-linked product for a 21-year term and an annual contribution of RM 840.00.



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Compassionate benefit is meant to cover funeral expenses upon death of the covered person.

Compassionate Benefit

Comprises of the agent's commission and distribution related expenses.

Commission and Distribution Related Charge

Any charges that you pay to PruBSN for services rendered. These fees consist of commission and distribution related charge.

Up Front Wakalah Charge

An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to them.

Tabarru'

Profit arising from managing the investment of the ISA, which will be distributed between the participant and PruBSN in the stated proportion.Participant's portion will be placed back into their account respectively.

Investment Profit

The account where contributions and surplus and/or investment profit arising shall be paid.

Definitions

Individual Special Account (ISA)

The Takaful Concept

Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participantcontributes on the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need.

ALI BIN ABU

Appendix

Tabarru' Fund (TF)

It is the pool of fund for the purpose of solidarity and cooperation among the participants that is used to help all participants in time of misfortune.


Surplus

The surplus, inclusive of Tabarru' fund investment profit, arising from the Tabarru' fund after claims payable and reserves. The surplus, if any, iscalculated and distributed at the end of each financial year.

Badal Hajj

Badal Hajj is when a nominee performs Hajj on behalf of the covered person in the event of death or TPD.

Badal Hajj benefit is payable as an additional sum covered if covered person's age is less than 13 years old or covered person is a non-muslim.

Ummah Saver

Ummah Saver contribution is used for saving purposes subject to terms and conditions. Minimum Ummah Saver contribution is RM10 whilethe maximum contribution is 5 times of the basic contribution.

Brief Description Of The Plan

Benefits

- In the event of death or total and permanent disability before age 70, total amount in the ISA will be payable. In addition, the Basic SumCovered, compassionate benefit and Badal Hajj benefit from the Tabarru’ Fund will also be payable.

- In the event of surrender, the surrender value of the Certificate is payable. This is inclusive of your surplus (if any).

- Partial withdrawal of money from ISA is allowed subject to terms and conditions specified in the certificate document.

Tabarru' amount and wakalah charges

Tabarru' amount, which is based on age next birthday, gender, smoking status, and the sum covered, is levied monthly.-- Tabarru' amount and wakalah charges above may be varied by PruBSN from time to time by giving ninety (90) calendar days' notice to the

certificate owners.

Single 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 singlecontribution top-up, there will be an aditional one-off top-up fee 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.

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Appendix

ALI BIN ABU

Brief Description Of The Plan


Loyalty Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit isnot guaranteed.

Loyalty Bonus

-

Total and permanent disability means the complete inability to engage in any occupation and to perform any work for remuneration orprofit. This also includes

Conditions

Total and Permanent Disability

(a) total and irrecoverable loss of sight of both eyes

(b) loss by severance of two (2) limbs at or above wrist or ankle

(c) loss of sight of one (1) eye and one (1) limb at or above wrist or ankle

Investment Profit Sharing and Surplus

We will share any investment profit from the ISA. You will receive 80% of the profit while we will receive 20% from it. Your profit will beplaced back into the ISA.

-

- You are entitled to receive the surplus (if any) arising from the TF after deductions are made due from payment of claims and provisionfor future claims. This surplus is inclusive of the investment profit of the TF as explained above.You are entitled for at least 50% of the surplus and we will receive the balance of 50% as incentive for managing the fund. The surplusamount will need to be tabled to Shariah Committee on year to year basis for their approval.

- It is payable upon your death or total and permanent disability, or when you perform Hajj or on the maturity date, whichever happensfirst.

You are not entitled to the loyalty bonus if you miss any contribution payment or make the payment past its due date.-

- There will be no sharing of the investment profit from the TF. Any profit arise will be retained in the TF and distributed together with thesurplus (if any).

Critical Illnesses

A total of 36 critical illnesses are covered:

1. AIDS due to a blood transfusion or full blown AIDS2. Aplastic anaemia3. Apallic syndrome4. Alzheimer’s disease

5. Benign brain tumour6. Blindness7. Brain surgery8. Cancer9. Cardiomyopathy10. Chronic liver disease11. Chronic lung disease12. Coma13. Coronary artery disease

14. Deafness15. Encephalitis16. Fulminant viral hepatitis17. Heart attack18. Heart valve replacement

19. Kidney failure20. Loss of independent existence21. Loss of speech22. Major burns23. Major head trauma24. Major organ transplant25. Medullary cystic disease26. Meningitis

27. Motor neurone disease28. Multiple sclerosis29. Muscular dystrophy30. Paralysis31. Parkinson’s disease

32. Poliomyelitis33. Primary pulmonary arterial hypertension34. Stroke35. Surgery to the aorta36. Systemic lupus erythematosus lupus nephritis

If you need to make a claim, you must send us a written notice to the following address. For accidental claim, it should be within thirty(30) days while for other claim within ninety (90) days from the event date:-

Claims Submission:

-

Prudential BSN Takaful Berhad

50250 Kuala Lumpur

No. 10, Jalan Sultan Ismail,Level 8A, Menara Prudential,

Notes:

The contributions and Tabarru' of basic and supplementary benefits may be varied by PruBSN from time to time by giving ninety (90) calendardays written notice.

-

- PruBSN Ummah plan is a Shariah-compliant product.

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ALI BIN ABU


Tabarru'

Wakalah Bil Ajr

Mudharabah

Product Disclosure Sheet

Read this Product Disclosure Sheet before you decide to participate in the PruBSNUmmah plan. Be sure to also read the general terms and conditions.

1. What is this product about?

2. What are the Shariah concepts applicable?

3. What are the covers/benefits provided?

RM 20,000Death benefit:

RM 20,000

Total and Permanent Disability benefit:

- Lump sum (in lieu of Death benefit)

PruBSN Ummah Family Takaful Term Plan

This is a regular contribution Term Takaful Plan that provides Takaful cover for 21 years. It pays a lump sum benefit upon death or total andpermanent disability during the term of the certificate. In addition to that, it will also pay Compassionate benefit, Badal Hajj benefit and doubleof the death and total and permanent disabilty benefit upon death or total and permanent disability while performing Hajj or Umrah. You canalso enhance your protection to cover critical illness by participating in Crisis Shield and / or Contributor benefit.

30/6/2013

-

-

-

An arrangement allowing us to invest your funds from ISA where any profit from such investments will be sharedaccording to a fixed ratio.

An arrangement appointing us to manage the overall services provided under your Certificate. We will take a portion ofyour contribution in return of these services, which include commission and distribution related charge.

An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need throughthe benefits entitled to them.

RM 744 p.a.- Regularly

Death while performing Hajj/Umrah: RM 40,000

Compassionate benefit: RM 2,000

RM 3,000Badal Hajj benefit:

Critical illness benefit:

Total and Permanent Disability while RM 40,000

performing Hajj/Umrah (in lieu of Death benefit):

- Lump sum (in lieu of Death benefit) RM 15,000

RM 744 p.a. - Regularly

Length of the plan: 21 years or until you die (if you die earlier)

20.48% of contribution or RM 3,096.00 out of RM 15,120.00

The total contribution that you have to pay and the certificate terms may vary depending on our assessment of the risks involved:

4. How much contribution do I have to pay?

5. What are the fees and charge I have to pay?

Up front wakalah charge

Top-up wakalah charge

The estimated total contribution that you have to pay: RM 70.00 Monthly

Contributions paid until age 51.

Type Amount

It is important that any receipt that you receive should be kept as proof of payment of contributions.

5 % of top-up amount; and

Lapse of the certificate - the certificate will end when the amount in ISA is not enough to pay for the Tabarru' and other charges.

6. What are some of the key terms and conditions that I should be aware of?

It is your duty to tell us about important facts - you must tell us all important facts such as your medical condition, and state your age correctly.

Free-look period - you may cancel your certificate by writing to us and returning the certificate within fifteen (15) calendar days of us deliveringit to you. We will refund the contributions that you have paid less any medical fee incurred.

Any partial withdrawal made from the ISA will reduce the fund balance. This can potentially cause the fund to be insufficient to pay for theTabarru' deduction and other charges, thus may cause your certificate to lapse prematurely.

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

In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN is up to RM1 million perperson. Any excess is paid on the first anniversary of the covered person's total and permanent disability subject to proof of continueddisability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates is RM4million er erson.

RM25 for every top-up less than RM5,000



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ALI BIN ABU

Total and permanent disability

(a)

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.

Death

7. What are the major exclusions under this certificate?

Attempted suicide or self-inflicted injuries while sane or insane.

(b)

(b)

If death is due to suicide within the first certificate year, we will not pay any claim. However, we will pay the value in the ISA.

If death is due to suicide during Hajj or Umrah, we will not pay the double takaful benefit.

(a)

If illness is directly or indirectly caused by acquired AIDS or any HIV infection, except when AIDS is full blown or is caused by ablood transfusion.

If symptoms of illness occur before or within 60 calendar days after the certificate has commenced for heart attack, coronary arteryheart disease that needs surgery, cancer or other serious coronary artery heart disease and 30 calendar days for all other criticalillness.

Critical illness(a)

(b)

If you have any enquiries, please contact us at:

IMPORTANT NOTE:

PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OFCERTIFICATE THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE TAKAFULCERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION.

Prudential BSN Takaful Berhad (740651-H)

If you need other information about Family Takaful, please see the insuranceinfo booklet on ‘Family Takaful', available at all our branches oryou can get a copy from the Takaful agent or visit www.insuranceinfo.com.my.

10. Where can I get further information?

It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on time.

9. What do I need to do if there are changes to my contact details?

Participating in a Family Takaful plan is a long-term financial commitment. If you do not pay your contributions within the period we allow,your protection may end. The cash amount that we will pay you when you cancel the certificate before it ends will be much less than the totalamount of contribution that you have paid. You may cancel your certificate by giving written notice to PruBSN.

8. Can I cancel my certificate?

Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail50250 Kuala LumpurTel: 03 2053 7188 Fax: 03 2072 6188 Email: [email protected]

You can also log on to www.prubsn.com.my

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

The information provided in this disclosure sheet is valid as at 30/6/2013.



Presented by :

30/6/2013Date : of 10

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