Etiqa Insurance & Takaful

Take One Simple Step Towards Savings That Lets You Enjoy The Life That You Planned

If you’re worried about putting your money away and not seeing any of it for a while, then rest easy. Start saving with Pristin, you’ll see that the returns are just around the corner.

See Your Money Grow With Pristin

Pristin is a Takaful plan that provides regular annual returns for the next 20 years. The annual cash payment will range from 5% - 10% of the Basic Annual Contribution, so you can be assured that your money is working hard for you.

Pristin lets you live life to the fullest and enjoy peace of mind knowing that you’re protected and will receive annual cash payments to supplement your lifestyle.

Who is Eligible?

Person Covered: Anyone between the age of 14 days to 60 years old.

Participant: Anyone between the age of 18 to 60 years old.

Key Benefits Offered by Pristin

Death Benefit

In the event of Death of the Person Covered, the amount of Sum Covered plus all accumulated value in Participant’s Investment Fund (PIF), including any profit from its investment (if any) less any indebtedness shall be payable in one lump sum.

Total And Permanent Disability (TPD) Benefit

Upon TPD of the Person Covered before the age of 65 years old, the amount of Sum Covered plus all accumulated value in PIF, including any profit from its investment (if any) shall be payable.

If the aggregate Sum Covered payable (per person covered) is up to RM1 million, it shall be paid in one lump sum. Should the Sum Covered be more than RM1 million, then the balance of Sum Covered shall be payable one (1) year after the first payment was made, subject to the terms and conditions stated in the certificate contract.

Terminal Illness Benefit

Upon diagnosis of the Terminal Illness of the Person Covered during the Takaful period due to natural or accidental causes, the amount payable is equivalent to the amount of Sum Covered plus accumulated value in PIF, if any.

Terminal Illness is defined as a conclusive diagnosis of a condition that is expected to result in death of the Person Covered within 12 months. The Person Covered must no longer be receiving active treatment other than that for pain relief. The diagnosis must be supported by written confirmation from the appropriate specialist and confirmed by the Company’s appointed doctor.

Maturity Benefit

Upon completion of the Certificate tenure by the surviving Person Covered, the accumulated value in PIF including PIF profit and Participant’s Risk Fund (PRF) surpluses, if any, that have been allocated to the Participant shall be payable.

Annual Cash Payment

A Fixed Annual Cash Payment based on the percentage of Basic Annual Contribution* is payable throughout the Certificate duration of 20 years.

Certificate Year	Annual Cash Payment (% of Basic Annual Contribution* Paid)
Year 1 – 5	5%
Year 6 – 20	10%

*Excludes extra contribution and rider contribution (if any)
Annual contribution mode: Payable at the beginning of each Certificate year. Other contribution modes: Payment to commence at the end of each Certificate year, subject to full contribution received for each respective Certificate year.

Contribution

With an affordable contribution amount, you can participate in Pristin and enjoy all the benefits offered by the plan. You also have the option to pay the contribution on a monthly, quarterly, half yearly or annual basis.

Basis Of Contract

This plan applies the Tabarru' concept, whereby the Participant agrees to donate or contribute a specified portion from the contribution paid to the PRF (Tabarru' Fund) for the purpose of mutual aid and assistance to the participants in case of need.

This plan also applies the Wakalah concept, whereby the Participant nominates the Takaful Operator to act on their behalf to invest and manage both PRF and PIF. The Wakalah fee will be deducted from the contribution paid. The balance amount will be placed into PRF and PIF.

Certificate Year	Wakalah Fee as % of the Contribution	Fixed Wakalah Fee per Year
1	90%	RM 60.00
2	50%	RM 60.00
3	31%	RM 60.00
4	25%	RM 60.00
5 - 6	15%	RM 60.00
7 onwards	5%	RM 60.00

Performance fee from Surplus in PRF is split between You (50%) and Etiqa (50%).

Incentive Fee from investment profit in PIF is split between You (90%) and Etiqa (10%).

Important Notes

If the Person Covered commits suicide while sane within one year from the Issue Date or the latest Reinstatement Date of the Certificate, we shall refund the total contributions paid. However, if the suicide is committed after one year from the Issue Date or the latest Reinstatement of the Certificate, we will only pay sixty percent (60%) of the Sum Covered.

The Participant will be given a grace period of 31 days from the contribution due date to pay the contribution. If the contribution remains unpaid at the end of the grace period, the Certificate will be continued under the automatic contribution facility (ACF). The certificate will be terminated if the amount in the Participant Investment Fund (PIF) is fully utilized by the ACF.

The Certificate may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board Malaysia.

You should understand this plan thoroughly to ensure that it best serves your needs and that the contribution payable under the Certificate is an amount that you can afford.

Upon termination, maturity or expiry of the Certificate, all the benefits under this plan will cease. If you terminate the Certificate in the early years, you may get back less than the amount that you have contributed.

The investment performance of the fund will be based on the actual performance of the fund and is not guaranteed.

You may review the suitability of the plan and may cancel your participation within 15 days from the date of the delivery of your Certificate, upon which you will be entitled to a refund of the full contribution made, after deducting any expenses incurred for medical examination (if applicable).

Benefits and/or returns of investment under this Plan will be based on actual performance of the Fund and are not guaranteed. The risk of the Fund will be borne solely by the Participant and the benefits yielded may be less than the total contributions made to the Participant Investment Fund.

Please ensure that you refer to the Sales Illustration pertaining to your Certificate provided to you by Etiqa Takaful Berhad.

This brochure is intended for reference only and shall not constitute a contract nor invitation to participate. Etiqa Takaful Berhad is registered under the Takaful Act 1984 and regulated by Bank Negara Malaysia.