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Sun Legacy Shield

Secure the future of your legacy

You always put your loved ones in top priority, but life is unpredictable. How can you preserve your lineage and enrich the wealth of your loved ones when you are no longer with them?

Introducing Sun Legacy Shield, an investment-linked takaful plan that takes care of your financial and spiritual goals at the same time. It provides a strong foundation for you to continue expanding your wealth and legacy during your lifetime and safeguard your loved ones when you are no longer around.

Benefits & Features

tailor-to-your-protection-needs

Tailor your protection to your needs

  • Flexibility to choose the contribution and contract term that best suits your affordability and protection needs.
    Contribution term Contract term
    10 or 20 years Up to age 70
    Up to age 80
    Up to age 90
  • Extension of takaful coverage (only applicable for contract term up to age 70 and 80). Upon expiration of the selected contract term, the takaful coverage will be automatically extended up to age 99, subject to additional contributions requirements. No underwriting is required for this extension of takaful coverage.
full-contribution-allocation

Full contribution allocation into the investment-linked funds of your choice

  • Full amount of basic contribution and top-up contribution (if any) will be first allocated and invested into the investment-linked funds of your choice.
protection-booster

Protection booster

  • This plan provides extra coverage with protection booster as a loyalty reward which boosts your BSC by 5% of the basic sum covered (BSC) upon the completion of every 5 contract years, up to 20% of the BSC.

Additional coverage up to 300% of the basic sum covered for accidental death/total and permanent disability (TPD)

  • In the event of death/TPD, you or your loved ones will receive the higher of:
    • the total sum covered BSC plus the protection booster); or
    • the total account value;

less any indebtedness.

  • In addition to the death benefit payout, a lump sum of RM10,000 will be payable as compassionate benefit.
  • Additional coverage:
  Additional coverage on top of the death/TPD benefit
Accidental death/TPD benefit Additional 200% of the BSC
Accidental death/TPD in country other than Malaysia benefit Additional 300% of the BSC
Note: The accidental death/TPD in country other than Malaysia benefit shall be payable if the person covered resides or travels outside Malaysia for not more than 90 consecutive days.
loyalty-bonus

Loyalty bonus

  • 0.1% of the lower of the initial BSC or current BSC at the end of every 2 contract years, starting from the end of the 6th contract year will be 100% allocated into the Investment Account 1.
final-benefit

 Final benefit (Contract term up to age 99)

Should the person covered survive until the end of the contract term (age 99), the higher of:

  • the total sum covered (the BSC plus the protection booster); or
  • the total account value;

less any indebtedness, will be payable.

Note: Terms and conditions apply.

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Key Information Pager

Protection by PIDM on benefits payable from the unit portion of this certificate/policy/contract is subject to limitations. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Sun Life Malaysia Takaful Berhad or PIDM (visit www.pidm.gov.my).

 

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