ali - contoh dewasa (in english)

7/29/2019 Ali - Contoh Dewasa (in English)

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PRUDENTIAL BSN TAKAFUL BERHADINVESTMENT-LINKED PLAN ILLUSTRATION

: 16/9/2013

: YUSOF xxx-xxx-xxxAgent

DateALI BIN ABU (NAMA SEKADAR CONTOH)

Quotation For PruBSN TakafulLink

Fund(s) invested

: ALI BIN ABU (NAMA SEKADARCONTOH)

: 01/10/2063Tentative maturity date

Person to be Covered

Basic sum covered : RM 80,000

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

: Regular Contribution Investment-Linked Takaful: Wakalah ChargeService ChargeAsset Management Charge

Plan typeCharges

Date of birth : 16/09/1984

: Auto Debit

: RM 200.00

: Monthly

Payment method

Payment frequency

Contribution

: Class 1

: No

: Male

: 30

Occupation class

Smoking status

Gender

Age next birthday

Name

Details

:1 100% of TDE

Term (years) Sum Covered (RM) Contribution (RM)

Protection Unit Account (PUA):

Name of Plan

Details Of Plan

Basic benefit: PruBSN TakafulLink for 50 year(s) 80,000 44.00

180.00Total Protection Unit Account Contribution (A)

Crisis Shield for 50 year(s) 30,000 11.00

Crisis Cover Plus for 50 year(s) 10,000 14.00

Compassionate Benefit for 50 year(s) 2,000 2.00

Basic Enhancer for 50 year(s) 1 Unit(s) 6.00

Accidental Death andDisablement

for 40 year(s) 20,000 3.00

Accidental MedicalReimbursement

for 40 year(s) 2,000 3.00

Weekly Indemnity for 40 year(s) 1 Unit(s) 4.00

Takaful Health2 for 40 year(s) TH2 Plan 200 Deductible: 10,000 41.00

Hospital Benefit for 40 year(s) 4 Unit(s) 21.00

TH Auto Upgrade for 40 year(s) THAU 15.00

Contributor for 50 year(s) 2,160 p.a. 14.00

Takaful Saver Contributor for 50 year(s) 240 p.a. 2.00

Additional benefit(s):

Takaful Saver for 50 year(s) 240 p.a. 20.00

Investment Unit Account (IUA):

Total Investment Unit Account Contribution (B) 20.00

Total Monthly Contribution (A+B) 200.00

Dana Ekuiti Dinasti

Dana Ekuiti

Dana Bon

Dana Urus

Note(s):

TDU - Takafulink

TDB - Takafulink

TDE - Takafulink

TDED - Takafulink

YUSOF xxx-xxx-xxx

SQS - Agency ver 2.3.0.7 aVersion :

Presented by :

16/9/2013Date :

Page 1 of 20


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2.

1.

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.

THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IT IS NOT A PURE INVESTMENTPRODUCT SUCH AS UNIT TRUSTS

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).

IMPORTANT :

3.

- Minimum annual contribution required for PruBSN TakafulLink: RM 1,200.- Minimum top-ups allowed: RM 500.

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.

- 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.

Therefore, if your certificate involves a contribution of sizeable amount say RM5,000 and above, you should consider participating in singlecontribution investment-linked certificate rather than a regular contribution certificate as single contribution plans offer better allocation ratesfor investment.

Your investment-linked certificate will lapse if there are insufficient units in your fund to pay the required charges. Your units could beinsufficient over the years due to:

4.

5.

The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your agent or PruBSN on yourtolerance to risk.

6.

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 BEINGLAPSED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO

MAINTAIN YOUR CERTIFICATE.

2

2

WARNING

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

YUSOF xxx-xxx-xxx


Presented by :

16/9/2013Date :

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ALI BIN ABU (NAMA SEKADAR CONTOH)Quotation For PruBSN TakafulLink

All contributions and benefit amounts are stated in monetary value.

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 ornegative.

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 notbased on past performance.

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.

SUMMARY ILLUSTRATION

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, theplan 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.4

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 agentwill provide to you for the duration of your certificate.

5

The below illustration assumes cross support between PUA and IUA.

3

3

5

4

DirectDistribution

Cost(RM)

Total Death

Benefit(RM)

OtherCharges(ServiceCharge)

(RM)

Projected Investment Return:(Y% p.a)

Asset

Manage-mentCharge(RM)

TotalTabarru'

(RM)

1 30 92,000 40,000 2,400 2,400 1,308 1,092 499 60 5 684 92,684 5 703 92,703 873

2 31 92,000 40,000 2,400 4,800 1,308 1,092 509 60 15 1,359 93,359 16 1,440 93,440 873

3 32 92,000 40,000 2,400 7,200 1,092 1,308 610 60 27 2,152 94,152 29 2,346 94,346 549

4 33 92,000 40,000 2,400 9,600 660 1,740 619 60 43 3,370 95,370 47 3,749 95,749 549

5 34 92,000 40,000 2,400 12,000 444 1,956 652 60 63 4,775 96,775 72 5,435 97,435 333

6 35 97,000 40,000 2,400 14,400 444 1,956 821 60 84 6,164 103,164 98 7,206 104,206 333

7 36 97,000 40,000 2,400 16,800 12 2,388 845 60 109 7,964 104,964 130 9,518 106,518 9

8 37 97,000 40,000 2,400 19,200 12 2,388 859 60 137 9,756 106,756 167 11,967 108,967 9

9 38 102,000 40,000 2,400 21,600 12 2,388 880 60 165 11,532 113,532 206 14,556 116,556 9

10 39 102,000 40,000 2,400 24,000 12 2,388 901 60 193 13,290 115,290 248 17,294 119,294 9

11 40 102,000 40,000 2,400 26,400 12 2,388 1,022 60 221 15,141 117,141 293 20,303 122,303 9

12 41 107,000 40,000 2,400 28,800 12 2,388 1,114 60 248 16,795 123,795 339 23,299 130,299 9

13 42 107,000 40,000 2,400 31,200 12 2,388 1,166 60 273 18,403 125,403 387 26,441 133,441 9

14 43 107,000 40,000 2,400 33,600 12 2,388 1,202 60 300 20,087 127,087 440 29,867 136,867 9

15 44 112,000 40,000 2,400 36,000 12 2,388 1,278 60 324 21,591 133,591 493 33,326 145,326 9

16 45 112,000 40,000 2,400 38,400 12 2,388 1,352 60 347 23,024 135,024 548 36,936 148,936 9

17 46 112,000 40,000 2,400 40,800 12 2,388 1,440 60 370 24,482 136,482 607 40,809 152,809 9

18 47 112,000 40,000 2,400 43,200 12 2,388 1,532 60 390 25,742 137,742 667 44,727 156,727 9

19 48 112,000 40,000 2,400 45,600 12 2,388 1,625 60 409 26,913 138,913 730 48,807 160,807 9

20 49 112,000 40,000 2,400 48,000 12 2,388 1,740 60 428 28,081 140,081 797 53,154 165,154 9

AllocatedContribution

(RM)

UnallocatedContribution

Charge(Up FrontWakalah

Charge)(RM)

CumulativeContribution

(RM)

Death SumCovered

(RM)

Age

CriticalIllnessSum

Covered

(RM)

ContributionPaid(RM)

End ofCertificate

Year

Non-Guaranteed

Projected Investment Return:(X% p.a)

Cash Value(RM)

AssetManage-

mentCharge

(RM)

Cash Value(RM)

Total Death

Benefit(RM)

Date : 16/9/2013

Presented by :

Version : SQS - Agency ver 2.3.0.7 a

YUSOF xxx-xxx-xxx

Page 3 of 20


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ALI BIN ABU (NAMA SEKADAR CONTOH)Quotation For PruBSN TakafulLink

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, theplan 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.

3

4

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 agentwill provide to you for the duration of your certificate.

5

3

4

5

SUMMARY ILLUSTRATION

Death SumCovered

(RM)

Age

21 50 112,000 40,000 2,400 50,400 12 2,388 1,873 60 444 29,010 141,010 852 56,084 168,084 9

22 51 112,000 40,000 2,400 52,800 12 2,388 2,051 60 457 29,764 141,764 897 58,945 170,945 9

23 52 112,000 40,000 2,400 55,200 12 2,388 2,176 60 469 30,501 142,501 944 61,902 173,902 9

24 53 112,000 40,000 2,400 57,600 12 2,388 2,318 60 478 30,992 142,992 988 64,718 176,718 925 54 112,000 40,000 2,400 60,000 12 2,388 2,482 60 484 31,318 143,318 1,031 67,476 179,476 9

26 55 112,000 40,000 2,400 62,400 12 2,388 2,667 60 489 31,568 143,568 1,075 70,263 182,263 9

27 56 112,000 40,000 2,400 64,800 12 2,388 2,846 60 490 31,532 143,532 1,117 72,864 184,864 9

28 57 112,000 40,000 2,400 67,200 12 2,388 3,037 60 488 31,305 143,305 1,156 75,371 187,371 9

29 58 112,000 40,000 2,400 69,600 12 2,388 3,239 60 484 30,983 142,983 1,196 77,881 189,881 9

30 59 112,000 40,000 2,400 72,000 12 2,388 3,477 60 475 30,313 142,313 1,233 80,134 192,134 9

End ofCertificate

Year

CriticalIllnessSum

Covered(RM)

ContributionPaid(RM)

TotalTabarru'

(RM)

AllocatedContribution

(RM)

UnallocatedContribution

Charge(Up FrontWakalahCharge)

(RM)

CumulativeContribution

(RM)

OtherCharges(ServiceCharge)

(RM)

AssetManage-

mentCharge

(RM)

Cash Value(RM)

AssetManage-

mentCharge

(RM)

Total DeathBenefit(RM)

Cash Value(RM)

Total DeathBenefit(RM)

DirectDistribution

Cost(RM)

Projected Investment Return:(Y% p.a)

Projected Investment Return:(X% p.a)

Non-Guaranteed

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

Page 4 of 20


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ALI BIN ABU (NAMA SEKADAR CONTOH)

Summary Illustration Definition

paid and is used to meet PruBSN's expenses andan upfront wakalah charge on the contribution

The wakalah charge for this investment-linked certificate might be different from which illustrated in the brochure, if loading(s) applies.

You should satisfy yourself that the plan serves your needs and that you can afford the contribution. You should ensure that the allocation ofyour takaful contribution towards protection and investment meets your financial circumstances. If you need clarification, please contact youra ent.

PruBSN believes it is important that you fully understand all the benefits under the certificate, and that you also understand how the cost oftakaful protection and distribution affect these benefits.

Participating in a regular contribution family takaful certificate is a long-term commitment. It is not advisable to hold this certificate for a shortperiod of time in view of the high initial costs.

NOTES:

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 deductedthrough cancellation of units. Tabarru' deduction for additional benefits will also continue to be deducted, subject to consent given by you asprovided in the proposal form.

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 isin force.

1. Death Sum Covered

You have the ability to increase your sum covered without increasing your regular contribution with minimum RM 10,000 per increment as longas you have enough excess of contribution in your PUA. This option is subject to underwriting.

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.

2. Critical Illness Sum Covered

Contribution Paid is the amount that you (the participant) pay for this certificate for the particular certificate year. Take note that not all of theamount paid will be invested into the investment fund(s) you selected. See explanation on unallocated and allocated contribution below.

3. Contribution Paid and Cumulative Contribution

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 unallocated contribution charge is

The allocated contribution will be used to purchase units in the investment fund(s).

Agent may also be entitled to production and persistency bonus during the first three years of the certificate provided that the agent meets thequalifying criteria set by PruBSN.

The allocated contribution and wakalah charge for this investment-linked certificate (including Takaful Saver if applicable) are as follows (as a% of contributions):

direct distribution cost, including the commissions payable to agent.

In this plan illustration, Age refers to Age next birthday.

The information set out below explains the individual items in the marketing illustration table.

The Sum Covered Multiple (SCM) for this plan is 129.

RM

RM

%Unallocated Contribution

Allocated Contribution

PUA Contribution (RM)

6Certificate Year 1 7 & Above432 5

%

2,160.00 2,160.00 2,160.00 2,160.00 2,160.00 2,160.00 2,160.00

40.00 40.00 50.00 70.00 80.00 80.00 100.00

864.00 864.00 1,080.00 1,512.00 1,728.00 1,728.00 2,160.00

60.00 60.00 50.00 30.00 20.00 20.00 0.00

1,296.00 1,296.00 1,080.00 648.00 432.00 432.00 0.00

240.00 240.00 240.00 240.00 240.00 240.00 240.00

95.00 95.00 95.00 95.00 95.00 95.00 95.00

228.00 228.00 228.00 228.00 228.00 228.00 228.00

5.00 5.00 5.00 5.00 5.00 5.00 5.00

12.00 12.00 12.00 12.00 12.00 12.00 12.00

RM

RM

%Unallocated Contribution


IUA Contribution (RM)

%

assumes 9.00% weighted gross growth in the PUA and IUA for the first 20 years, while 6.00% beyond 20th year.

assumes 2.00% wei hted ross rowth in the PUA and IUA.

This refers to the annual management charge as a percentage of investment fund deducted to cover the cost of managing the investmentfund.

7. Asset Management Charge

Other Charges include service charge.

The illustrated Tabarru' and other charges are based on current levels. These are not guaranteed and may be varied from time to time bygiving 90 calendar days written notice 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 agenext 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 Other Charges Table for the Tabarru' breakdown.

5. Total Tabarru' and Other Charges (Service Charge)The amount to be channeled into your investment fund(s) will be less the Tabarru' deduction and other charges.

Y

X

6. Projected Investment Return

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 ourwebsite at www.prubsn.com.my.

Page 5 of 20


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This is the commissions payable to agent comprises of basic commissions, production and persistency bonus.10. Direct Distribution Cost

It is inclusive of Takaful Saver commissions ( if any). If you decide to stop the Takaful Saver contribution, the Takaful Saver commissiondeduction will stop unless you continue to pay for the Takaful Saver contributon.

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 willbe payable.

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.

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 allapplicable charges.

8. Cash Value

This amount comprises of the cash value of the PUA and IUA. Please refer to Illustration of Projected Benefits Table for the breakdown.

If the certificate is terminated early, you may get less than the amount of contributions paid.

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Protection UnitAccount (RM)

Investment UnitAccount (RM)

Non-Guaranteed

Illustration of Projected Benefits

Projected Investment Return X% p.a

1 30 306 0 150 378 317 0 150 386

2 31 602 0 150 757 643 0 150 797

3 32 1,015 0 150 1,137 1,110 0 150 1,236

4 33 1,852 0 150 1,518 2,046 0 150 1,703

5 34 2,874 0 150 1,901 3,233 0 150 2,202

6 35 3,730 0 300 2,434 4,323 0 300 2,883

7 36 4,996 0 300 2,968 5,909 0 300 3,609

8 37 6,252 0 300 3,504 7,584 0 300 4,383

9 38 7,491 0 300 4,041 9,348 0 300 5,208

10 39 8,711 0 300 4,579 11,207 0 300 6,087

11 40 9,814 108 400 5,327 13,063 108 400 7,24012 41 10,826 0 400 5,969 14,946 0 400 8,353

13 42 11,790 0 400 6,613 16,900 0 400 9,541

14 43 12,721 108 400 7,366 18,946 108 400 10,921

15 44 13,578 0 400 8,013 21,048 0 400 12,278

16 45 14,362 0 400 8,662 23,212 0 400 13,724

17 46 15,061 108 400 9,421 25,428 108 400 15,381

18 47 15,669 0 400 10,073 27,695 0 400 17,032

19 48 16,185 0 400 10,728 30,015 0 400 18,792

20 49 16,589 108 400 11,492 32,370 108 400 20,784

21 50 16,860 0 400 12,150 33,860 0 400 22,224

22 51 16,954 0 400 12,810 35,226 0 400 23,719

23 52 16,922 108 400 13,579 36,517 108 400 25,385

24 53 16,749 0 400 14,243 37,714 0 400 27,004

25 54 16,410 0 400 14,908 38,790 0 400 28,686

26 55 15,885 108 400 15,683 39,718 108 400 30,545

27 56 15,180 0 400 16,352 40,500 0 400 32,364

28 57 14,282 0 400 17,023 41,117 0 400 34,254

29 58 13,179 108 400 17,804 41,552 108 400 36,329

30 59 11,835 0 400 18,478 41,761 0 400 38,373

Protection UnitAccount (RM)

End ofCertificate

Year

Age

Project Investment Return Y% p.a

Investment UnitAccount (RM)

Projected CashValue

Projected CashValue

Projected CashValue

Projected CashValue

Loyalty BonusCredited

No ClaimBonus

Credited

Loyalty BonusCredited

No ClaimBonus

Credited

With the assumption that the contributions are paid in full and timely manner, the above illustration assumes cross support between PUA andIUA.

Notes:

The Participant will receive at least 50% of the surplus (if any), inclusive of investment profit, arising from Tabarru' at the end of each financialyear 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 info set out below explains the individual items in the sales illustration table.

The projected illustrations above are net after deduction of tax, asset management charge and Tabarru', where applicable.

Please refer to item 6 in Summary Illustration definition.

1. Projected Investment Return

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 IUAupon 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 thecontribution is paid on time.

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Projected cash value in Investment Unit Account. This value include Loyalty Bonus and No Claim Bonus.

3.3. Projected Cash Value

The projected cash value assumes no medical claims are made from Takaful Health2. Note that if you make claim from Takaful Health2,the projected cash value will be lower than illustrated.

3.2. No Claim Bonus Credited (if Takaful Health2 is attached, other than Zero deductible option)

Page 8 of 20


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InvestmentUnit Account

(RM)Service Charge

(RM)

Annual Charges

AgeEnd of

CertificateYear


Illustration of Tabarru' and Other Charges Table

1 30 864 228 130 288 81 60

2 31 864 228 130 293 86 60

3 32 1,080 228 131 354 124 60

4 33 1,512 228 132 358 129 60

5 34 1,728 228 132 361 159 60

6 35 1,728 228 139 518 164 60

7 36 2,160 228 140 529 175 60

8 37 2,160 228 141 535 183 60

9 38 2,160 228 149 540 191 60

10 39 2,160 228 151 548 202 60

11 40 2,160 228 155 652 215 6012 41 2,160 228 182 695 238 60

13 42 2,160 228 204 707 255 60

14 43 2,160 228 229 698 274 60

15 44 2,160 228 270 712 296 60

16 45 2,160 228 307 726 319 60

17 46 2,160 228 345 753 343 60

18 47 2,160 228 391 772 369 60

19 48 2,160 228 441 786 398 60

20 49 2,160 228 495 817 428 60

21 50 2,160 228 558 849 465 60

22 51 2,160 228 628 936 487 60

23 52 2,160 228 703 962 512 60

24 53 2,160 228 787 982 549 60

25 54 2,160 228 875 1,027 581 60

26 55 2,160 228 975 1,074 618 60

27 56 2,160 228 1,085 1,122 639 60

28 57 2,160 228 1,209 1,162 666 60

29 58 2,160 228 1,344 1,188 706 60

30 59 2,160 228 1,494 1,242 740 60

Medical

BenefitTabarru'

(RM)

Tabarru' Deduction

Protection

Unit Account(RM)

Death

BenefitTabarru'

(RM)

OtherAdditional

BenefitsTabarru'

(RM)

3. Annual Charge


3.1. Service Charge

Please refer to definition of Service Charge in Appendix.

This column consists of Tabarru' deduction for Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, TH Retirement, THAnnual Limit Waiver, TH Auto Upgrade, and TH Overseas , whichever applicable.

2.2. Medical Benefit Tabarru'

2. Tabarru' Deduction


2.1. Death Benefit Tabarru'

This column consists of the Tabarru' deduction for basic death benefit, Basic Enhancer benefit, Crisis Cover Plus benefit andCompassionate Benefit, whichever applicable.

2.3. Other Additional Benefits Tabarru'

This column consists of Tabarru' deduction for Additional Benefits excluding Death Benefits and Medical Benefits.

Please refer to definition of Investment Unit Account (IUA) in Appendix.

1.2. Investment Unit Account

1. Allocated Contribution


1.1. Protection Unit Account

Please refer to definition of Protection Unit Account (PUA) in Appendix.

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

Notes:

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Appendix

Comprises of the certificate servicing expenses that is debited from the PUA.

Service Charge

Comprises of the investment management expenses for the PUA and IUA.

Asset Management Charge

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

Commission and Distribution Related Charge

Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution relatedcharge, asset management charge and service charge.

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 tothem.

Tabarru'

The surplus arising from the Tabarru' fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributedbetween the Participant and PruBSN in the stated proportion.

Surplus

Investment Unit Account (IUA)

Definitions

The account where the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-forfeitureoption.

The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising.Protection Unit Account (PUA)

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.

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 notguaranteed. If there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15calendar days from the delivery date of the certificate documents.

Tabarru' Fund

It is the pool of funds for the purpose of solidarity and cooperation among the participants that is used to help all participants in times ofmisfortune.

Grace PeriodYou are given a grace period of 30 days from the contribution due date for each subsequent contribution payment.

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

Page 10 of 20


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Appendix



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 coveredfrom the Tabarru fund will also be payable. The value of units will be based on the unit price at the next valuation date following theofficial notification date.

Benefits

-

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 becontinued 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 thenext valuation date following the notification of surrender. The participant will be able to withdraw the notification before the closingvaluation time.

-

-

-

There will be no pro-rated amount of loyalty bonus payable upon death or maturity.

You are only entitled to the loyalty bonus if you pay all the contributions due for each prevailing certificate year before the next certificateanniversary.

This bonus pays 5% of your yearly PUA contributions upon completion of the 10th certificate year and every 3 years after that.

- 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

- 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 other charges for the basic plan. The Tabarru' deduction for additional benefits will also continue to be deducted, subjectto your consent.

Options

Non-forfeiture option:

Fund switching:

The certificate will lapse if there is insufficient units in PUA and IUA (if any) to pay for the Tabarru ' deduction and other charges for thebasic plan and additional benefits.

-

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 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.

-

Top-ups:

Contribution re-direction:

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 withremaining balance of RM1,000 after withdrawal.

-

Partial withdrawal is allowed for IUA. The minimum withdrawal amount is RM500 per transaction. Complete withdrawal is allowed butstrongly discouraged.

-

- You may increase the sum covered without increasing the regular contribution with minimum RM10,000 per increment as long as youhave enough excess of contribution in your PUA, subject to underwriting. You may also reduce your sum covered without any change incontribution subject to minimum sum covered of RM10,000.

Option to vary sum covered

- If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed 4 switchesper year without any charge. Any subsequent switches within the year, you will be charged a processing fee of 1% subject to maximumof RM50 per switching application. Units can be switched between Takafulink funds at any time.

- You may revise the proportion of your regular contribution (in multiple of 5%) you want to invest and may also revise your choice ofTakafulink fund.

Lapse and Revival:

- Upon non-payment of contribution, additional benefits (if any) will also lapse if the 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.

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

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Appendix



-

-

-

Tabarru ' amount and wakalah charges above may be varied from time to time by giving 90 calendar days written notice to theparticipants.

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/cheque or RM5 for other payment methods are levied monthly.

Tabarru ' amount, which is based on age next birthday, gender, smoking status, occupational class, medical rating and the sumcovered, is levied monthly.

-

Tabarru' amount and wakalah charges

(c) Loss of sight of one eye and one limb at or above the wrist or ankle.

(b) Loss by severance of 2 limbs at or above the wrist or ankle.

(a) Total and irrecoverable loss of sight of both eyes.

In addition of the above definitions, the following disabilities will also be regarded as total and permanent disability regardless ofdisability age:

-

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 confinedby reason of accident or sickness to his/her home under medical supervision or in a hospital or similar institution. The disability must bepermanent 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 occupationand 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 dailyliving 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.

-

-

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. Alzheimers disease5. Benign brain tumour6. Blindness7. Brain surgery8. Cancer9. Cardiomyopathy10. Chronic liver disease

11. Chronic lung disease12. Coma13. Coronary artery disease including Angioplasty and

other invasive treatments for coronary artery disease

14. Deafness15. Encephalitis16. Fulminant viral hepatitis17. Heart attack18. Heart valve replacement19. Kidney failure20. Loss of independent existence21. Loss of speech22. Major burns23. Major head trauma

24. Major organ transplant25. Medullary cystic disease26. Meningitis

27. Motor neurone disease28. Multiple sclerosis29. Muscular dystrophy30. Paralysis31. Parkinsons disease32. Poliomyelitis33. Primary pulmonary arterial hypertension34. Stroke35. Surgery to the aorta36. Systemic lupus erythematosus lupus nephritis

Once we have received the notice, we will let you know what documents we need so that we can process your claim.

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 30calendar days while for other claim within 60 calendar days from the event date:Prudential BSN Takaful BerhadLevel 8A, Menara Prudential,No. 10, Jalan Sultan Ismail,50250 Kuala Lumpur.

-

-

Claims Submission:

Notes:

--

PruBSN TakafulLink is a Shariah-compliant product.-

The contributions and Tabarru' of PruBSN TakafulLink and additional benefits may be varied by PruBSN from time to time by giving 90calendar days written notice to participants.

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

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Brief Description 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 inthe 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 plancan be continued with the payment of contributions.

Crisis Cover Plus pays the sum covered in the event of total permanent disability before age 70, death or diagnosed with a critical

illness before selected expiry age. This is paid on top of the basic plan sum covered.

Compassionate Benefit will be paid on death of Covered Person. This benefit will be payable within 3 working days if the nominee orimmediate family member present full requirement to PruBSN.

Basic Enhancer will increase the initial basic sum covered on 5th, 8th, 11th and 14th rider benefit anniversary with a fixed amountaccording to the unit selected.

Accidental Death and Disablement pays- the compassionate allowance of RM2,000 per life 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.

Accidental Medical Reimbursement reimburses the actual expenses incurred for medical treatment up to the sum covered within 104weeks from date of accident.

Weekly Indemnity pays a weekly benefit in the event of temporary disability due to accidental causes. One unit of Weekly Indemnity

pays RM 100 per week for temporary total disability and RM 50 per week for temporary partial disability, subject to a combined total of104 weeks.

Takaful Health2 pays the benefits according to the plan selected below in the event of hospitalisation or out-patient treatment due toillness or injury before selected expiry age.

RM 62,500

RM 625,000

Emergency Medical Assistance

Lifetime Limit

Overall Annual Limit

Yes

RM 1,500

RM 200

TH 200

}

}

}

}

}

}

}

}As charged

}As charged

Surgical Benefit

In-hospital & Related Service Benefit

Outpatient Treatment Benefits**

Hospital Daily Room & Board Benefit (120 days per year)

Post-hospitalisation Treatment Benefit (within 90 days after hospital discharge)

Home Nursing Care Benefit (up to 180 days per lifetime)

Day Surgery Benefit

Cancer Treatment Benefit

Kidney Dialysis Treatment Benefit

Emergency Treatment for Accidental Injury Benefit (Annual Limit)

Intensive Care Unit (30 days per year)

Pre-hospitalisation Treatment Benefit (within 30 days before hospitalisation)

Plan

Hospital and Surgical Benefits*

Deductible

For out-patient treatment benefits, the participants also need to pay the first RM 10,000 for any one disability.

For hospital and surgical benefits (except hospital daily room and board benefit ), the participant need to pay the first RM 10,000

for any one disability.

*

**

1. Overall Annual Limit and Lifetime Limit do not apply to Emergency Medical Assistance.

Notes

No Claim Bonus

RM150 will be payable on each anniversary of the benefit provided no claims were made in the previous year.

2. Emergency Medical Assistance is a complimentary service provided by a third party provider and can be terminated by giving14 calendar days prior notice to you.

TH Auto Upgrade provides an automatic upgrade on Takaful Heath2 plan to higher plan on 5th and 10th rider benefit anniversaryregardless of your health condition or any medical claims that you have made.

Hospital Benefit pays a daily cash benefit in the event of hospitalisation due to illness or injury before selected expiry age. One unit of Hospital

Benefit pays RM50 per day (up to 100 days in a certificate year) for hospital confinement.

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

Page 13 of 20


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Brief Description 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 andpermanent disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier.

Takaful Saver Contributor pays an annual benefit equal to the IUA certificate contributions under the certificate upon covered person'stotal and permanent disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier.

Takaful Saver contribution is used to purchase unit in IUA for investment purposes only.

Date : 16/9/2013

Presented by :


YUSOF xxx-xxx-xxx

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Quotation For PruBSN TakafulLinkALI BIN ABU (NAMA SEKADAR CONTOH)

Tabarru'

Product Disclosure Sheet

Read this Product Disclosure Sheet before you decide to take up PruBSNTakafulLink. Be sure to also read the general terms and conditions.

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 andpermanent disability before age 70 or death during the term of the certificate together with the value of the investment units, at the time ofclaim. 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?An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need throughthe benefits entitled to them.

An arrangement appointing PruBSN to manage the overall services provided under your certificate. We will take a portionof your contribution in return of these services, which include commission, distribution related charge, asset managementcharge and service charge.

3. What are the covers/benefits provided?

RM 92,000Death benefit :

RM 90,000Total and permanent disability benefit:

- Lump sum

PruBSN TakafulLink

16/9/2013

Wakalah Bil Ajr

-

-

- Lump sum

- Regularly

RM 2,400 p.aContributors

RM 2,400 p.a

- Regularly

- Lump sum RM 40,000Critical illness benefit :

Contributors

Accidental benefit :

- Death RM 20,000- Medical reimbursement As charge (subject to max RM2,000)

- Temporary partial disability

- Temporary total disability

RM 50 per week

RM 100 per week

As charged (subject to deductible)

- Outpatient treatment benefits

- Hospital and surgical benefits

- Daily room and board

- Reimbursement of medical expenses up to:

RM 200

Medical benefit (1) - Takaful Health2:

RM 625,000Aggregate lifetime limit on benefits payable

Annual limit on benefits payable RM 62,500 p.a

- No claim bonus RM 150

As charged (subject to deductible)

- Normal hospital confinement RM 200 per dayHospitalisation income benefit:

Takafulink (TDE): 100%

The estimated total contribution that you have to pay:

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.

Reminder:

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.

Funds chosen:

Dana Ekuiti

YUSOF xxx-xxx-xxx


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We will allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount willbe used to pay wakalah charges, which include commissions to agents and other expenses incurred by PruBSN. You are advised to refer tothe allocation rates given in the plan illustration.

RMProtection Unit Account : 180.00

Investment Unit Account :

Total Contribution :

RM

RM

20.00

200.00

-

-

-

Fund switch charge is set at 1% subject to a maximum of RM50. Four free switches are allowed every certificate year.

Service charge of RM6 for contribution paid by cash or cheque and RM5 for contribution paid by other payment method. Theservice charges are levied monthly.

Charges above may be varied from time to time, for which 90 calendar days written notice will be given to the participants.

Top-up incurs a one-off top-up charge of RM25 for every top-up less than RM5,000.

Other charges are as follows:

The Tabarru' is deducted monthly from the value of your units. The Tabarru' will increase as you grow older. Details of Tabarru' and othercharges for the ILT are given in the plan illustration.

5. What are the charges I have to pay?

Monthly

YUSOF xxx-xxx-xxx


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Lapse of certificate - The ILT certificate will lapse when the value of investment units is insufficient to pay for the Tabarru' and other charges.

Cash value - the cash value of the ILT depends on the performance of the investment-linked funds selected. The higher the level of takafulcoverage selected, the more units will be absorbed to pay for the Tabarru' and fewer units will remain to accumulate cash values under yourcertificate.

General

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

Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.

Free-look period - you may cancel your ILT by returning the certificate within 15 calendar days from the delivery date of the certificate. PruBSNwill refund to you the unallocated contributions, the value of units that have been allocated (if any) at unit price at the next valuation date andany Tabarru' and certificate charge that have been deducted less any medical charge incurred by PruBSN.

In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN on a person is up toRM1 million per person. Any excess is paid on the first anniversary of the covered person's total and permanent disability subject to proof ofcontinued disability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates isRM4 million per 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 heartattack, coronary artery heart disease or cancer and 30 calendar days for other critical illnesses.

-

- Medical Cover and/or Hospital Benefit and/or Medic Essential under the certificate will start immediately for hospitalisation due toaccidents and 30 calendar days for any other causes.

Takaful Health2 and/ or TH Annual Limit Waiver and/ or TH Overseas under the certificate will only start 120 days after thecommencement date of the certificate for specified illnesses and 30 days for all other illnesses. Cover for hospitalisation due toaccidents commences immediately.

-

- Accidental Medical Reimbursement under this certificate will start immediately.

Deductible:

Takaful Health2

- You will have to pay the first RM10,000 for any one disability.

Note: 1. This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.

* Applicable to Crisis Shield, Crisis Cover Plus,Vital Care, Accidental Medical Reimbursement, Takaful Health2, Medic Essential, Medical Cover,Hospital Benefit, Takaful Puteri, Takaful Puteri Plus, Crisis Cover Income, Family Income Benefit, TH Retirement, TH Annual Limit Waiver, THAuto Upgrade, TH Overseas, Parent Income Benefit, Parent Double Income Benefit, Baby Care, Contributor, Takaful Saver Contributor,Spouse Contributor, Takaful Saver Spouse Contributor, Parent Contributor, Takaful Saver Parent Contributor, Joint Contributor, and TakafulSaver Joint Contributor only.

YUSOF xxx-xxx-xxx


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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 licensedpassenger-carrying commercial aircraft operating on a regular scheduled route.

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 willbe paid.

Death

7. What are the major exclusions under this certificate?

Illness is directly or indirectly caused by acquired AIDS or any HIV infection, except when AIDS is full blown or is caused by a bloodtransfusion.

Critical Illness

Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges inexcess of Reasonable and Customary Charges, or charges which are incurred for hospitalisation, pre-hospitalisation and / or post -hospitalisation after the expiry date.

Any insect bite including mosquito bites and worm infestation during the 30 days waiting period.

Expenses incurred for sex changes.

Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over establishedroutes.

Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, skydiving,water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills, radios

or similar facilities, admission kit/pack and other ineligible non-medical items.

Psychotic, mental or nervous disorders and those due to senile disorders (including any neuroses and their physiological or psychosomaticmanifestations).

Care or treatment for which payment is not required or to the extent which is payable by any other takaful or indemnity covering the coveredperson and disabilities arising out of duties of employment or profession that is covered under a Workman's Compensation Takaful Contract.

Investigation and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cells therapy (otherthan for haemopoeitic blood disorder), hyperbaric oxygen therapy and alternative therapy such as treatment, medical service or supplies,including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aromatherapy or other alternative treatment.

Expenses incurred for donation of any body organ by a covered person and costs of acquisition of the organ including all costs incurred by thedonor during organ transplant and its complications.

Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclearweapons material.

War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots

and civil commotion or insurrection.

Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.

Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or nonsurgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care andsurgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, andtests or treatment related to impotence or sterilization.

Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care, illegal drugs, intoxication (including and not limited toalcohol and drugs ), sterilization, venereal disease and its sequele, AIDS and AIDS related complex and HIV related diseases, and anycommunicable diseases requiring quarantine by law.

Dental conditions including dental treatment or oral surgery as necessitated by accidental injuries to sound natural teeth occuring whollyduring the period of takaful. Expenses arising from placement of denture, root canal treatment and prosthetic services such as bridges,implants an crown or their replacement will not be payable.

Medical and Health

Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after thecertificate is in-force.

Plastic/ cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or sugical correction of nearsightedness and/ orfarsightedness and the use or acquisition of external prosthetic appliances or devices such as artifical limbs, hearing aids, cochlear apparatus,implanted pacemaker and prescriptions thereof.

Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental totreatment or diagnosis of covered disability or any treatment which is not deemed medically necessary and any preventive treatments,preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain.

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Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after thecertificate is in-force.

Any violation, or attempted violation of the law or to resist arrest.

Any injury or illness caused by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution,insurrection, military or usurped power, direct participation in a riot, strike or civil commotion.

Any treatment or test in connection with AIDS or the presence of any Human Immuno-deficiency Virus (HIV) infection and all sexuallytransmitted diseases.

Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol, and drugaddiction and abuse.

Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital anomalies, hereditary conditions, circumcision or

any abortion performed due to psychological or social reasons, and any consequences of any of these procedures.

Treatments or procedures relating to pregnancy or childbirth and its complications.

Hospitalisation

Routine medical examinations or consultations.

Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformation and exploratory or experimentalsurgery or any other elective procedures other than as a result of an accidental injury, surgery or illness.

Injuries or sickness arising from professional sports, racing of any kind, scuba-diving, bungee jumping, aerial flights other than as a crewmember or as a fare-paying passenger, on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route, or anydangerous activities or sports (including hang-gliding, ballooning, parachuting and sky-diving ), unless we agree differently in a specialendorsement.

Any insect bite including mosquito bites and worm infestation.

Alcohol and drugs intoxication.

Pre-existing physical or mental defect or infirmity.

Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or nonsurgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care andsurgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, andtests or treatment related to impotence or sterilization.

Any violation or attempted violation of the law or resistance to arrest.

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

Taking drugs or narcotic unless taken as prescribed by a qualified doctor or physician.

Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as crew member of or as a fare-paying passenger ona 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.

War, invasion, act of foreign enemy hostilities whether it is declared or not, civil war, rebellion, revolution, insurrection, military or usurpedpower, direct participation in riot, strike or civil commotion.

Accidental

YOU MUST EVALUATE YOUR OPTION CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED TAKAFUL PLAN

Please contact your agent or PruBSN for other types of similar covers available.

11. Other similar types of family takaful cover available:

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

www.prubsn.com.myYou can also log on to our website at

Level 8A, Menara Prudential,No. 10, Jalan Sultan Ismail,50250 Kuala Lumpur.Tel : 03 2053 7188 Fax : 03 2072 6188 E-mail: [email protected]

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 oftime 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 thefund. You are allowed four switches per certificate year without any charge. You may cancel your certificate by giving a written notice andreturning 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 infobooklet on 'Investment-linked Takaful' and 'Medical and Health Takaful', available at all our branches or you can obtain a copy from the youragent or visit the website at www.insuranceinfo.com.my.

Prudential BSN Takaful Berhad (740651-H)

IMPORTANT NOTE:

If you have any enquiries, please contact us at:

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CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION THROUGHOUT THE CERTIFICATEDURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONALCONTRIBUTIONS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS GUARANTEED. THE FULL TERMS ANDCONDITIONS ARE SET OUT IN THE CERTIFICATE DOCUMENTS. PLEASE ASK FOR A SAMPLE OF THE TERMS AND CONDITIONSSHOULD YOU NEED DETAILED INFORMATION OF THE PLAN. YOU SHOULD READ AND UNDERSTAND THE TAKAFULCERTIFICATE AND DISCUSS WITH YOUR AGENT OR CONTACT PRUBSN DIRECTLY FOR MORE INFORMATION.

The information provided in this disclosure sheet is valid as at 16/9/2013

NOT

YUSOF xxx-xxx-xxxPresented by :

D

ali - contoh dewasa (in english)

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