For Your Savings

Takaful mySmart Income Plus

Takaful mySmart Income Plus helps you build your savings in a stable and disciplined way, offering guaranteed yearly income with option to accumulate or receive yearly to support your financial goals.
The plan provides continuous Takaful coverage, ensuring financial security for your loved ones while you grow your money with confidence.

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Takaful mySmart Income Enhanced

Takaful mySmart Income Enhanced is a protection plan that provides you with both Takaful coverage and opportunity to grow your savings.
At the end of every certificate year, Guaranteed Cash Benefit (GCB) is accumulated in your chosen fund(s) from 8 Shariah-compliant funds, alongside protection of up to 500% of your sum covered for accidental death.

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Takaful mySmart Income Plus

What is Takaful mySmart Income Plus?

Takaful mySmart Income Plus gives you the confidence to meet different goals for yourself and your family with guaranteed yearly cash benefits and maximises the full potential of your savings.

With the option of a short contribution payment term of 3 or 5 years, you can enjoy peace of mind and financial security for a coverage term of 15 years.
Hibah to your loved ones, ensuring they are well taken care of.
This is a limited pay family takaful endowment plan with guaranteed cash benefits that help support your financial needs to achieve your life goals.

Benefits of Takaful mySmart Income Plus

Short contribution payment term of 3 or 5 years.
Yearly Guaranteed Cash Benefits with Accumulation Option.
Greater Takaful protection up to 300% for accidental causes.
Potential investment profit.
Lump sum Maturity Benefit.
Hassle-free enrolment with no medical check-up.
Nomination under conditional Hibah.

Product Information:

Entry Age	For person covered: Minimum age: 14 days old Maximum age: 65 years old (next birthday) Proposed Participant / Certificate Owner: Minimum age: 19 years old (next birthday)
Coverage Term	15 years

Guaranteed Cash Benefits (GCB)

End of Certificate Year	GCB Payable (% of the Sum Covered)
End of Certificate Year	Contribution Payment Term: 3 Years	Contribution Payment Term: 5 Years
1-4	5%	10%
5	30%	35%
6-9	5%	10%
10	55%	85%
11-14	5%	10%
15 (Maturity)	105%	160%

Brochure

Takaful Malaysia is a member of PIDM. The benefit(s) payable under eligible certificate is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System TIPS or contact Takaful Malaysia or PIDM (visit www.pidm.gov.my).

Takaful mySmart Income Enhanced

Be protected and rewarded under one Takaful plan. Takaful mySmart Income Enhanced protects you and your loved ones’ future from unexpected events. Here are 5 SMART reasons why you should participate in this plan.

Secure Protection: Takaful mySmart Income Enhanced provides payout upon death or total and permanent disability (TPD), ensuring peace of mind for you and your loved ones.
Maturity Wealth: Receive a lump sum maturity benefit that includes accumulated balances in both the Participant Account (PA) and the Investment-Linked Fund(s) (ILF(s)), if any.
Accumulated Guaranteed Cash Benefits (GCB): Enjoy yearly cash benefits at the end of every certificate years. You might also receive extra cash benefits if you meet the required conditions.
Resilient Wealth Growth: Grow and diversify savings through 8 Shariah-compliant ILF(s), with an optional mySaver rider. You are also entitled to 100% of any investment profit from the PA.
Transparent & Hassle-free: Easy application with no medical check-up or questionnaire required, up to RM1,000,000 sum covered. You also have the flexibility to choose your coverage term, contribution payment term and mode, and Hibah Takaful nomination for smooth and timely benefit distribution.

Make a SMART choice today and secure tomorrow’s peace of mind, knowing you and your loved ones are well protected through life’s unseen future.

Product Information:

Entry Age	For person covered: Minimum age: 14 days old Maximum age: 70 years old (next birthday) If you are participating in this plan for your spouse or children, you must be 17 years old and above. Note: The age above is referring to Age Next Birthday (ANB).
Contribution Payment Term	3, 5 or 10 years
Contribution Mode	Yearly, semi-annually, quarterly or monthly
Coverage Term	10, 15 or 20 years
Minimum Basic Sum Covered (RM)	RM10,000
Maximum Basic Sum Covered (RM)	Up to RM1,000,000

You may attach the mySaver rider to further boost your investment growth.

Takaful Malaysia is a member of PIDM. The benefit(s) payable under eligible certificate is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Takaful Malaysia or PIDM (visit www.pidm.gov.my).

Terms & Conditions apply.
Managed by Syarikat Takaful Malaysia Keluarga Berhad 198401019089 (131646-K) ("Takaful Malaysia"). Licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia. RHB Islamic Bank is merely acting as distributor.

The information contained herein is strictly meant to be general information and reference only. It does not constitute a contract of takaful. For further details on the product’s benefits, exclusions, terms and conditions, please refer to the Master Fund Fact Sheet, Marketing Illustration (MI), Product Disclosure Sheet (PDS) and Certificate Wording.