Do you wish to grow your wealth and secure your lifestyle?

Decisions you make today can greatly affect your quality of life in the future. Just a simple choice to invest your savings wisely can help you achieve the kind of lifestyle that you've always wanted.

See Your Money Grow With Tunas

Tunas is an endowment 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.

With Tunas, you can live life to the fullest and enjoy peace of mind knowing that you are protected and will receive annual cash payments to supplement your lifestyle.

Who Is Eligible?

Person Covered:
Anyone between the ages of 30 days to 60 years old.

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

Key Benefits Offered By Tunas

Death Benefit
Lump sum payment consisting of Sum Covered plus accumulated value in Participant Account (PA) together with Mudharabah (Profit Sharing) will be payable.

Total and Permanent Disability (TPD) Benefit
Should TPD occur before the age of 65 or expiry of the certificate, whichever is earlier, a lump sum payment consisting of Sum Covered plus accumulated value in Participant Account (PA) together with Mudharabah will be payable. The disability must continue uninterruptedly for a period of at least 6 months. 
Note: For Sum Covered up to RM1 million, the TPD benefits shall be payable in a lump sum. The remaining of the Sum Covered (if any) will be payable one year after the first payment was made.

Terminal Illness Benefit
Upon diagnosis, lump sum payment consisting of Sum Covered plus accumulated value in Participant Account (PA) together with Mudharabah will be payable.

Terminal Illness is defined as 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 pain relief. Please refer to the Certificate for full definition of Terminal Illness.

Maturity Benefit
Upon completion of the certificate tenure by the surviving Person Covered, the accumulated value in the Participant Account (PA) including the Mudharabah plus allocated surplus from Participant Special Account (PSA) if any will 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. 

Contribution
With an affordable contribution amount, you can participate in Tunas 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
Tunas applies the Tabarru’ (donation) concept, whereby the Participant agrees to donate or contribute a specified portion from the contribution paid to the Participant Special Account (Tabarru’ Fund) for the purpose of mutual aid and assistance to the Participant in case of need. Any surplus arising from Tabarru’ Fund for this plan at the end of each financial year will be distributed on 80:20 basis between the Participant and the Takaful Operator. The Takaful Operator receives 20% of surplus and the balance of 80% will be accumulated and payable to the Participant upon maturity.

This plan also applies the Mudharabah concept, whereby the Participant provides the contribution to the Takaful Operator to manage the PA Fund. The profit will be shared based on a 90:10 basis between Participant and Takaful Operator, respectively.

Interested?

Interested in this plan? Drop by any of our many branches across the country or call 1 300 13 8888 to talk to our friendly Customer Service personnel to find out more.