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As you approach different stages in life, it makes perfect sense to prepare well in advance with a saving plan that tags along with your protection plan. We support your endeavours to achieve prosperity along with protection by letting you enjoy the benefi­ts of both sides.
  • Death and Total Permanent Disability covers

  • Flexibility to top-up or switch your investment funds

  • Cash accessibility through partial withdrawals from the Participant Investment Fund

  • Choice of riders to enhance protection

Entry Age
Participant : 30 days to 60 years old
Certificate Holder : 17 years and above
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Personal Accident Rider

This rider assists to compensate Participant in the event of injuries, disability or death due to accidents within 90 days from the accident date. It also provides weekly and double indemnity as well as repatriation benefits. 

  • Participant : 30 days to 60 years old

Hospital Benefit Rider

This rider provides a fixed cash payment in case Participant is hospitalised within the coverage term or prior to 70 years old.

  • Participant : 30 days old to 60 years old

HealthCare Choice-i Rider

This rider covers your hospitalisation and surgical expenses from illnesses or injury under Covered Benefit.  Please refer to the HealthCare Choice-i brochure for the list of Covered Benefit.

  • Participant : 30 days old to 60 years old

Contribution Waiver Rider

This rider will waive all future contributions in the event the Participant diagnosed with one of the thirty-six (36) critical illnesses until the Participant reach the age of 64.

  • Certificate Holder : 18 years to 60 years old

Payor Waiver Rider

This rider will waive all future contributions in the event the Certificate Holder (herein “Payor”) diagnosed with Critical Illness, Death, or Total Permanent Disability.

  • Certificate Holder :18 years to 60 years old

Useful Documents

(PDF - 266 KB)

(PDF - 9226 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 is the net of contribution after the deduction of the wakalah fee and will be allocated into the PIF. The tabarru’ amount is deducted monthly from your PIF and allocated into the PRF. The tabarru’ amount increases as you grow older.

  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.

  • 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 (% of contribution)
          1-3                                                 40%
          4-6                                                 20%
         7-10                                                  5%
    11 & above                                           0%

Wakalah Fee for top-up contribution is 5%.

  • Tabarru’ (donations) depend 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 RM5 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 following range:
    • Minimum charge: 1.00% of NAV per annum
    • Maximum charge: 1.50% of NAV per annum
  • Surrender fee of RM100 or 10% of the prevailing unit of PIF, whichever is lower.
Note: The imposed fees and charges may change from time to time with a three months’ notice.

In the event of the participant’s death/TPD prior to attaining the age of four years, the sum covered payable under the certificate shall be as follows:

   Age at death% of Sum Covered Payable




4 and above  100%

The minimum withdrawal amount is RM1,000 with the minimum unit balance of RM2,000 after partial withdrawal.

Pre-existing illness and conditions means any medical conditions, which have been diagnosed or have required medical treatment prior to the commencement date of this takaful coverage, regardless of whether treatment was actually received.

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.

For further clarification and information, you may contact our Customer Care Centre at 1300 22 9777
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