A plan that protects and saves for the future

Karisma offers a Takaful-compliant coverage and savings plan with the flexibility to cover either
the Participant or Person Covered; giving you the assurance and faith that your
family's future is secured no matter the outcome.

Key Benefits

Partial Withdrawal Features

You may withdraw some of the money from the Participant Investment Fund if required.

Enhance Your Coverage

You have the flexibility to boost your cover from a wide range of riders that can be attached to your basic cover.

Takaful Coverage

A lump sum of the basic sum covered plus accumulated value in the Participant Investment Fund (if any) will be paid in the event of death, or Total and Permanent Disability (TPD). Upon death of the person cevered, RM1,000 shall be payable for funeral expenses.

Maturity Benefit

You will be paid a lump sum of the accumulated value in the Participant Investment Fund (if any) when your certificate matures.

List of Rider

1) Accidental Death & Dismemberment Rider
2) Accidental Indemnity Rider
3) Critical Illness Rider
4) Waiver of Contribution for Critical Illness Rider
5) Hospital Cash Benefit Rider
6) Ultra Medic Rider 
7) Level Term Rider 
8) Regular Top-up Rider
1) Waiver of Contribution for Critical Illness Rider (Payor)
2) Waiver of Contribution for Death and TPD Rider
3) Level Term Rider (Payor)
4) Family Income Benefit


Person Covered

Aged 14 days to 55 years


Aged a minimum of 19 years, with no maximum age

Please contact me

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