HomeProtectionLegacySecure-i Link
LegacySecure-<span>i</span> Link
You always put your loved ones’ needs above all else because they mean the world to you. You do your best to provide them with everything they need so that they can live life to the fullest. But with life being so unpredictable, you know that everything can change in a blink of an eye. Thus, the best gift you can give your loved ones is a lasting legacy that will safeguard their future.
  • Greater coverage value to safeguard your family's future
  • Additional coverage for accidental death
  • High Non-Medical Limit up to RM 4million without medical check-up
  • Gain Loyalty Bonus to maximize your coverage value
  • Achieve Ceaseless Rewards through Waqaf
  • Multiple choice of coverage term and contribution payment term
  • Flexibility in managing your investment funds
  • Leave your legacy through Hibah

Entry Age: 16 to 69 years old
Read FAQ

I need to learn more about add ons


Death or Total and Permanent Disability Benefit

The highest of:
  • 100% of Basic Sum Covered; OR
  • Account value in Participant Investment Fund;
will be payable upon death or Total and Permanent Disability (“TPD”)

Note: The TPD Benefit will be automatically terminated on the certificate anniversary immediately preceding the age of 80 or on the maturity, whichever is earlier. Subject to a maximum of RM8,000,000 per participant.

Accidental Death Benefit

An additional coverage will be payable on top of the Death Benefit depends on the following event:
  • Accidental Death Benefit – Additional 100% of Basic Sum Covered; OR
  • Accidental Death Benefit on Public Conveyance – Additional 200% of Basic Sum Covered.
Note: The Accidental Death Benefit will be automatically terminated on the certificate anniversary immediately preceding the age of 70. Subject to a maximum of RM8,000,000 per participant.

Loyalty Bonus Benefit

Maximise your coverage by being rewarded with increasing Basic Sum Covered by 2% of initial Basic Sum Covered every 2 certificate years until the end of 10th certificate year. The loyalty bonus will be accumulated to your Basic Sum Covered and accumulated amount will be payable in one lump sum upon death or TPD of the participant, subject to terms and conditions.

Funeral Benefit

Your nominee will receive RM10,000 in one lump sum from PRF, which can be used to take care of funeral costs and related expenses, in the event of your death.

Waqaf Benefit

We will donate RM5,000 from PRF on behalf of you to selected waqaf organisation approved by AmMetLife Takaful’s Shariah Committee, in the event of your death.

Maturity Benefit

When your plan reaches maturity, you will receive the total account values in the PIF.

Useful Documents

(PDF - 11017 KB)

Flyer (Bahasa Melayu)
(PDF - 1316 KB)

Flyer (English)
(PDF - 1203 KB)


  1. Wakalah

This plan applies the wakalah (agency) concept, where all Certificate Holders appoint AmMetLife Takaful as a wakeel (agent) to act on their behalf to invest and manage the Participant Investment Fund (“PIF”) and Participants Risk Fund (“PRF”). AmMetLife Takaful is entitled to a wakalah fee for managing and investing the funds.

  1. Tabarru’ 

This plan applies the tabarru’ concept, where all Certificate Holders agree to donate a specified portion from the PIF into the PRF for the purpose of mutual aid and assistance to all Certificate Holders in times of misfortune.

  1. Qardh

This is an interest-free loan from AmMetLife Takaful in the event that the PRF is in deficit. The loan will be paid from the future surplus arising from the PRF.

The main difference is that, with a takaful based investment-linked plan, the allocated contribution for investment purposes is invested in Shariah-approved funds.  In addition, the plan enables you to benefit from the net surplus (if any) that is available in the PRF by crediting additional unit(s) into the PIF.

AmMetLife Takaful allocates a portion of the contribution to purchase units in the investment-linked fund that you have chosen.  Any unallocated amount (wakalah fee) will be used to pay commissions to agents/financial advisers and other expenses of AmMetLife Takaful.


Your takaful certificate will continue to be in force as long as the value of invested units in the PIF is sufficient to be deducted for the basic plan tabarru’ and other charges.  In case it is not, the takaful certificate will lapse after 30 days of grace period.

You may choose to have coverage either up to 70, 80 or 100 years old, subject to minimum coverage term of 20 years.

The minimum annual contribution is RM1,800. However, it may vary depending on your contribution payment term, sum covered and our underwriting decision.

You may choose the contribution payment term according to your needs and preference from a choice of 5 years, 10 years, 20 years or up to your coverage term chosen (full pay).

  • A wakalah fee (unallocated amount) is charged to your contributions before the remaining amount is allocated into your PIF. This amount is used to pay our expenses and direct distribution cost, including the commission payable to agent.
Certificate Year Wakalah Fee For Takaful Contribution
5 years
Contribution Term
10 years
Contribution Term
20 years
Contribution Term /
Full Pay
1 16% 30% 40%
2 16% 23% 40%
3 7% 13% 40%
4 7% 8% 20%
5 4% 7% 20%
6 - 7% 20%
7 - 3% 5%
8 - 3% 5%
9 - 3% 5%
10 - 3% 5%
11 & Above - - 0%
  • Wakalah Fee for investment contribution and top-up contribution is 5%.
  • Tabarru’ (Donations) – depends on your age, gender, health and occupation. The tabarru’ will be deducted monthly by cancelling the appropriate number of units of investment in the PIF and it increases as you get older.
  • Monthly Service Fee of RM12 per month will be deducted from the units in your PIF.
  • The fund management fee is based on the proportion of equities and fixed income of the unit funds. It is subject to the minimum charge of 1.0% up to maximum 1.5% of net asset value per annum.
  • Surrender fee of RM100 or 10% of surrender value, whichever is lower, will be imposed upon full surrender of certificate.
Note: The imposed fees and charges may change from time to time with a three months’ notice.

While your certificate is still inforce, you are entitled to earn loyalty bonus in the form of increasing Basic Sum Covered by 2% of initial Basic Sum Covered every 2 certificate years starting from the end of second (2nd) certificate year until the end of 10th certificate year. The loyalty bonus will be accumulated to your Basic Sum Covered and the accumulated amount will paid in one lump sum upon death or TPD of the participant. In the event of accidental death, the Basic Sum Covered shall be paid corresponding to the Accidental Death Benefit, subject to terms and conditions.

However, this benefit will be ceased upon approved TPD claim or partial withdrawal have been made; whichever is earlier. Upon such event, no further loyalty bonus will be payable and your Basic Sum Covered will remain throughout the certificate term.

The minimum partial withdrawal amount is RM1,000 and the minimum account value after partial withdrawal in the PIF is RM2,000. The account value in PIF and basic sum covered will be reduced by the amount of the partial withdrawal. If the basic sum covered after the partial withdrawal is less than the minimum sum covered of RM250,000, AmMetLife Takaful reserves the right to treat your withdrawal as full surrender. Upon full surrender, the account value in PIF is payable and the certificate terminates.

You can track the unit prices that are published daily in our website and quarterly in major newspapers.

Once a certificate has a unit balance going to zero for all funds, a grace period of thirty (30) days is given to the Certificate Holder to pay the contribution or top up the certificate.  In case the grace period ends, the certificate will lapse.  The Certificate Holder is allowed to reinstate the certificate and is subjected to the normal reinstatement rules and procedures applicable at that time.

The information, statement and/or descriptions contained herein are strictly meant to be general information for quick reference and illustration purposes only and are not intended to be the complete description of all terms and conditions applicable to any products mentioned herein. Please refer to our Brochure, Benefit Illustration and Product Disclosure Sheet (PDS) for more information.
Locate AmMetLife branches near you
Have an advisor contact me: