Smart Income, the all-in-one Shariah-compliant plan that helps you achieve financial independence with guaranteed cash payments and adequate levels of protection.
RETIREMENT
All-in-one Shariah-compliant retirement, protection & savings plan
Smart Income, the all-in-one Shariah-compliant plan that helps you achieve financial independence with guaranteed cash payments and adequate levels of protection.
Achieving financial independence during your retirement years is a vital milestone. To enjoy a more comfortable and fulfilling lifestyle during your retirement, Smart Income is a takaful plan designed to secure your protection needs in addition to providing you with an annual income stream, in the form of Annual Cash Payment as well as a maturity benefit in the form of 115% of the sum covered and amount in Participant’s Investment Fund.
Sign up to:
No medical examination is required for plans with an initial Annual Cash Payment of up to RM66,000. For a limited time from 10 November 2023 - 9 February 2024, you stand to win luxury watches worth RM8,000 each when you sign up with a minimum of Annual First Year Contribution of RM30,000!1
1Terms and conditions apply.
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Annual Cash Payment | Short Contribution Term | Maturity Benefit | ||
The amount increases by 20% of the initial amount starting from the 11th year until the age of 75 or 85.
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Flexibility to choose your preferred payment term of 5 or 10 years.
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Receive 115% of the sum covered and amount in Participant’s Investment Fund.
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Guaranteed Acceptance | Accidental Death Benefit: | Death Benefit | ||
Up to an initial Annual Cash Payment of RM66,000.
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-Within Malaysia, Singapore and Brunei Additional 100% of the sum covered on top of the Death Benefit payable. -Overseas (Outside Malaysia, Singapore and Brunei) Additional 200%2 of the sum covered on top of the Death Benefit payable.
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Receive one lump sum payment of 3 times the initial Annual Cash Payment and the Participant’s Investment Fund amount.
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Note: 2Only covers up to 60 consecutive days per trip overseas. If the accident happens on the 61st day or later while overseas, an additional 100% instead of 200% sum covered shall be payable.
You can choose to receive your Annual Cash Payment with a minimum of RM5,000 starting from age 55 or 60. Your Annual Cash Payment will increase by 20% from the 11th year of your initial Annual Cash Payment until age 75 or 85.
For example, if you choose to start receiving your Annual Cash Payment (CP) from:
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Coverage Term till age 75 |
Coverage Term till age 85 |
% of initial CP opted |
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Age GCP is received |
Age 55 - 64 |
Age 55- 64 |
100% |
Age 65 - 75 |
Age 65 - 85 |
120% |
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Total no. of payments |
21 |
31 |
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Coverage Term till age 75 |
Coverage Term till age 85 |
% of initial CP opted |
---|---|---|---|
Age GCP is received |
Age 60 - 69 |
Age 60 - 69 |
100% |
Age 70 - 75 |
Age 70 - 85 |
120% |
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Total no. of payments |
16 |
26 |
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Note:
Here’s a scenario:
Adam, aged 40, is married with children. He aspires to retire at the age of 55 and aims to achieve additional annual income of RM50,000 upon retirement. Currently, he has RM3,000,000 in total assets and signs up for the Smart Income takaful plan, choosing a payment term of 5 years with an Annual Cash Payment of RM50,000 and the sum covered is RM150,000.
Note:
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Customer rewards Campaign Terms and Conditions
The benefit(s) payable under eligible certificate/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa Family Takaful Berhad or PIDM (visit www.pidm.gov.my).
31/08/2024
Orchestrate your wealth with Maybank Premier & take up any participating solutions such as Investment, Insurance/Takaful, Home Financing & more to win exclusive prizes worth over RM230,000! T&C apply.
Campaign Period: 1 May 2024 - 31 August 2024
31/08/2024
Plan your wealth & stand to win exclusive prizes worth over RM105,000 when you sign up for participating solutions – be it in Investment, Insurance/Takaful, Deposits or Home Financing. T&C apply
Campaign Period: 1 May 2024 - 31 August 2024