Sinar Wasilah
About
Sinar Wasilah is an investment-linked takaful plan that combines protection and investment in one solution. With just a 3-year limited contribution period, you can enjoy takaful coverage up to 99 years of age, giving you a practical way to plan for long-term financial security for yourself and your loved ones.
Key product snapshot
Contribution term: 3 yearsCoverage term: Up to 99 years of ageEntry age: 30 days old - 70 years oldType: Investment-linked takaful planBenefits
Short-term commitment, long term protection
Make contributions for only 3 years and enjoy coverage up to age 99, so you can plan with a clear timeline.
Easy
enrollment
Simplified underwriting is available for all applicants with basic annualized contributions of up to RM1,000,000, making it easier to get covered.
Death/Total and Permanent Disability (TPD) benefit
In the event of death/TPD, your loved ones will receive the higher of:
- The sum covered; or
- The amount in your Investment Account 1 together with Investment Account 2 (if any).
Extra
protection
On top of the basic death/TPD benefit, Sinar Wasilah provides:
- An additional 100% of total contributions paid for accidental death/TPD.
- An additional 200% of total contributions paid if accidental death occurs overseas.
Maturity
reward
If the certificate reaches maturity, you will receive 100% of the total account value, allowing you to use the proceeds for your future needs.
Peaceful giving
benefit
An additional 10% of the annualized takaful contribution, or RM10,000 (whichever is lower), is payable on top of the death benefit. This amount can be directed as:
- A waqf contribution to Yayasan Waqf Malaysia or any featured waqf body on behalf of the person covered; or
- A lump-sum payment to the nominee or proper claimant.
Eligibility
This product is managed by Sun Life Malaysia Takaful Berhad (689263-M), (“Sun Life Malaysia”), a Takaful Operator registered under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Disclaimer: The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sinar Wasilah, the takaful product of Sun Life Malaysia Takaful Berhad.
The Shariah Board of alrajhi bank Malaysia does not review or recommend any of Takaful operators including their products and other related agreements. The Shariah compliance status of Takaful products is at the responsibility of their respective Shariah Committee.
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