Sunlife Sun Enrich Extra-i | Sun Life Malaysia

Sun Enrich Extra-i is a limited pay universal takaful plan offering comprehensive protection, including death, total and permanent disability (TPD), and accidental death/TPD benefits — with additional coverage for accidental causes occurring while overseas. This plan provides flexibility with your cash payouts, allowing you to choose between direct payout or reinvestment into investment-linked fund to enhance your savings growth.

With flexible contribution and coverage terms, Sun Enrich Extra-i lets you tailor your plan to suit your financial goals and affordability, giving you confidence and peace of mind for the future.

Benefits & features

Easy enrolment with no underwriting required

Hassle-free enrolment* for all applicants with no medical underwriting and check-up required.

* Not applicable for foreigner application, whereby underwriting may be applicable.

Final benefit

Upon maturity of contract, we shall pay the universal account value, together with the reinvested cash payout in the unit fund account (if any) as at the valuation date immediately following the benefit end date, less any indebtedness.

Choice of contribution payment and contract term

Flexibility to choose the contribution payment and contract term that best suits your affordability and preference.

Plan options	Contribution payment term (years)	Contract term (years)
5 Pay 15 Term	5	15
5 Pay 18 Term	5	18
10 Pay 20 Term	10	20
20 Pay 30 Term	20	30

Death / TPD benefit

Upon death/TPD of the person covered, we shall pay the following:

Date of Event	Cause of Death / TPD
Within 24 months from the contract commencement date	Higher of: 100% of the total takaful contribution paid (including top-up contributions), less total cash payout paid. OR 100% of the value of the universal account, immediately following the date of event,	(A) Higher of: 100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR 105% of the value of the universal account immediately following the date of death/TPD; PLUS (B) additional 100% of the total takaful contribution paid (excluding top-up contributions), *If the death/TPD of the person covered is due to an accident and occurs within 180 days from the date of the accident	(A) Higher of: 100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR 105% of the value of the universal account immediately following the date of death/TPD; PLUS (B) additional 200% of the total takaful contribution paid (excluding top-up contributions), *If the death/TPD of the person covered is due to an accident in overseas and occurs within 180 days from the date of the accident. This benefit shall be payable if the person covered resides and travels outside Malaysia for not more than 90 consecutive days
After 24 months from the contract commencement date	Higher of: 100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR 105% of the value of the universal account immediately following the date of death/TPD

Date of Event

Cause of Death / TPD

Natural Causes

Accidental Causes*

Accidental Causes While Overseas*

Within 24 months from the contract commencement date

Higher of:

100% of the total takaful contribution paid (including top-up contributions), less total cash payout paid.
OR
100% of the value of the universal account, immediately following the date of event,

(A) Higher of:

100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid;
OR
105% of the value of the universal account immediately following the date of death/TPD;

PLUS

(B) additional 100% of the total takaful contribution paid (excluding top-up contributions),

*If the death/TPD of the person covered is due to an accident and occurs within 180 days from the date of the accident

(A) Higher of:

100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid;
OR
105% of the value of the universal account immediately following the date of death/TPD;

PLUS

(B) additional 200% of the total takaful contribution paid (excluding top-up contributions),

*If the death/TPD of the person covered is due to an accident in overseas and occurs within 180 days from the date of the accident. This benefit shall be payable if the person covered resides and travels outside Malaysia for not more than 90 consecutive days

After 24 months from the contract commencement date

Higher of:

100% of the total takaful contribution paid (including top-up contributions) less the total cash payout paid; OR
105% of the value of the universal account immediately following the date of death/TPD

together with the reinvested cash payout in the unit fund account (if any) as at the valuation date immediately following the date of event, less any indebtedness.

Cash payout (CP)

CP will be payable from the universal account at the end of every contract year, starting from the end of the 1st contract year until maturity, provided that the contract is in force and subject to the availability of the value of the universal account.
You can choose to receive the CP directly or reinvest into one or a mixture of the investment-linked funds offered under this plan with 100% allocation. The CP amount is determined based on the percentage of the takaful annualised contribution (excluding top-up contributions) as below:

End of the contract year	CP (percentage of the takaful annualised contribution)
End of the contract year	5 Pay 15 Term	5 Pay 18 Term	10 Pay 20 Term	20 Pay 30 Term
1 - 10	9%	9%	9%	9%
11 – 15	18%	18%	18%	18%
16 - 17	NA	18%	18%	18%
18	NA	88%	18%	18%
19	NA	NA	18%	18%
20	NA	NA	88%	18%
21 - 29	NA	NA	NA	27%
30	NA	NA	NA	88%

Note: Terms and conditions apply.

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).