Sun Legacy Shield

Tailor your protection to your needs

• Flexibility to choose the contribution and contract term that best suits your affordability and protection needs.
  Contribution term: 10 or 20 years 
   Contract term: Up to age 70, 80, 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 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

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

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 (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.