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Sun Inspirasi

Let your inspiration etch on the memory of your loved ones

When you look at your loved ones, you imagine a future full of hope and promises. You are inspired to provide them the very best in life because they mean the world to you. Nevertheless, you know that tomorrow is never promising to anyone. The best thing you can do to safeguard their future and ensure they can continue to enjoy their current lifestyle is to create your legacy of love. Give them the sense of security that they have the financial means to live life the way they want, and achieve their goals and dreams with Sun Inspirasi.

Let your inspiration live on now with Sun Inspirasi, a universal takaful plan that ensure you and your loved ones are financially protected with the high takaful coverage starting from RM250,000. With a minimum contribution from as low as RM172.30* per month, you and your loved ones can now start living a carefree life with peace of mind knowing that the future of you and your loved ones are safeguarded against life uncertainties.

Benefits & Features

hibah-gift-of-love

Hibah (gift of love) with high takaful coverage amount on death and total and permanent disability (TPD)

  • You can leave behind a perfect gift for your loved ones by nominating your beneficiary for a simpler inheritance process. The beneficiary will receive the sum covered and the benefit payout is not subject to the Faraid distribution.
  • High coverage starting from RM250,000 per contract will be payable in the event of death or total and permanent disability (TPD1). You or your loved ones will receive the higher of:
    • basic sum covered; or
    • value of the universal account; less any indebtedness.
up-to-3-times-additional-payout

Up to 3 times additional payout on accidental death2

Your loved ones will receive:

  • 1x of the basic sum covered in the event of accidental death.
  • 2x of the basic sum covered in the event of accidental death occurs in public conveyance.
  • 3x of the basic sum covered in the event of accidental death occurs in commercial aviation.
up-to-2-million-non-medical-limit

Up to RM2 million non-medical limit

Enjoy takaful coverage up to RM2 million with no medical check-up3 required upon enrolment.

up-to-3-times-additional-payout

Cash payout benefit

  • You will receive cash payout benefits at the end of the 5th and 10th contract year.
  • The benefit payouts are 0.5% of the initial basic sum covered at the end of the 5th contract year, and 1.5% of the initial basic sum covered at the end of the 10th contract year.
  • The cash payout benefit is payable from the universal account, provided the value of the universal account is higher than the cash payout amount and all contributions are paid up to date.

Flexible contribution payment term and contract term

Based on your financial affordability and needs, you can customize your takaful protection plan by choosing the contribution payment term and contract term.

Contribution payment term Contract term
5 years / 10 years /
Regular contribution up to age 65		 Up to age 80 / 99
maturity-benefit

Maturity benefit

Upon maturity of the contract, you will receive 100% of the value of universal account as at the maturity date of the contract, less any indebtedness.

Note: Terms and conditions apply.

1 TPD coverage will expire at the contract monthly anniversary immediately following the person covered’s attainment of age 70 and subject to maximum aggregate limit of RM8,000,000 per person covered.

2 Accidental death coverage will expire at the contract monthly anniversary immediately following the person covered’s attainment of age 70 and subject to maximum aggregate limit of RM4,000,000 per person covered.

3 Depending on the age and health condition of the person covered.
 

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The benefit(s) payable under eligible certificate/policy/contract is(are) protected by PIDM up to limits. 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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