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PruBSN UmmahLinkIN YOUR QUEST FOR LIFE FULFILMENT, PLAN AHEAD
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How many of us have put aside some savings to use
when we encounter an unexpected financial crisis?
We spend years of planning towards a comfortable
future but sometimes still not enough to take
care of things that matter in our life. Whether you
are planning to perform Hajj or Umrah, buildingeducation or retirement fund or simply having
some extra cash to enjoy a nice vacation with your
family, you need a reliable plan that fulfils your
every quest in life.
PruBSN UmmahLink takes you one step ahead in
growing your savings whilst providing you with
the necessary protection for your life plans. With
PruBSN UmmahLink, you will receive back your
savings through cash payout every two years,
enjoy life and financial protection as well as having
information at your fingertips that will take you a
step closer towards life fulfilment.
IN YOUR QUEST FOR LIFEFULFILMENT, PLAN AHEAD
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Guides you to a remarkable
spiritual journey with information
at your fingertips.
Savings andCash Payout
Protection
OptimisePotential
InvestmentReturns
PruBSNInsan
Accumulate your savings through
CashBuilder with cash payout every
two years.
Entitlement for a series of lucky draws
through your savings.
Optimise your investments via
investing in the Takafulink Funds.
Ease financial burden with Death or Total
and Permanent Disability (TPD) Benefit,
Double Takaful Benefit, Badal Hajj
Benefit and Compassionate Benefit.
Extend your coverage in medical, critical
illness and other life protection benefits
for total peace of mind.
Build and Safeguardyour Quest
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Below is an
illustration of how
PruBSN UmmahLink
with CashBuilder
rewards you in the
long run.
PruBSNUmmahLink
C A S
H
B
U I
L
D E R
M O N
T H L Y
CO N T R I B U T
I O N
=
R
M 1
0 0
B A S
I C M
O N T H L Y C O NTR I B U T
I O N
=
R M 2 0
0
C a s
h
U n
i t
A c c o u
n t (
C U A )
R M
6 0
I n v e s t m e n
t U n i t A
c c o u n t ( I U A )
R M 4 0
P r o t e c t i o n U nit Ac c o u n
t ( P U A
)R M20 0
Potential investment return
Total projected cashvalue (excluding totalcash payout andmaturity amount fromCUA) at year 30:Scenario 1 = RM137,098
Scenario 2 = RM55,629
RM1,000 cash payout every twoyears (auto-transfer to Tabung Haji*/ savings account)
Total cash payout over30 years = RM15,000
Maturity amount from CUAat year 30 = RM6,600
* This option is only applicable to Muslim customers only.
Plan Ahead for EndlessReward
CashBuilder is a saving instrument that can be customised to assist you in your quest for lifefulfilment where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). Oneportion of the CashBuilder provides cash payout every two years for better financial planning withthe amount that you decide to have. You may decide whether to accumulate the cash payout inyour Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your TabungHaji account or personal savings account if you are planning to perform Hajj or Umrah or your otherquests in life. In order to optimise your investment growth, the other portion provides potential
returns through investment in Takafulink Dana Ekuiti.
The above diagram is for illustration purposes only based on male, 30 years old, and non-smoker with sum covered of RM200,000 and RM1,000 cash payout for every two years.The total projected cash value from your investment portion is based on investment in theTakafulink Dana Ekuiti and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti respectively, and2.42% and nil for Takafulink Dana Simpanan respectively.
That’s not all. Your savings through CashBuilder entitles you for a series of lucky draws carriedout by Bank Simpanan Nasional (BSN) through their Sijil Simpanan Premium (SSP)** draws,thus giving you opportunities to win attractive prizes!
** SSP (which includes the lucky draws) is a Shariah-compliant product approved by the Shariah Committee of BankSimpanan Nasional. Subject to terms and conditions.
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BASIC
COVERAGESum coveredin the event
of loss of life orTotal PermanentDisability (TPD).
COMPASSIONATE
BENEFIT
Choice to enhanceyour plan to
complement your life styleand needs with additional
coverage on medical,critical illness, accidental
or disability.ENHANCED
BENEFITSDOUBLE
TAKAFUL
BENEFIT
BADAL
HAJJ
Double basic
sum coveredamount in the eventof loss of life or TPD
during anyHajj or Umrah
trip.
In the event thatyou are incapable of
performing Hajj due toloss of life or TPD, the
Badal Hajj benefit opens
up the possibility for yournominee to perform Hajj
on your behalf withamount payable
of RM3,000.
Provides RM2,000for funeral expensesin the event of death.
For non-Muslimcustomers, this benefitis payable as additional
compassionatebenefit.
Protect What Mattersthe Most
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Upcoming pra yer
SE T TINGS
PRA YER TIMES
Plan your spiri tual journe y ahead.
SEARCH
Find Mas jid / K iblah b y Loca tions.
K uala Lumpur, Mala ysia
ABOU T CALENDAR SURAH
HAJJ
ZOHOR 1:05 PM
5 Oc tober 2014
10 Zulhi j jah 1435
D O W N L OA D N O W !A v a i l a
b l e i n G o o g
l e P l a y
& A p p l e A p p
S t o r e.
Linking You withTechnologyPruBSN Insan is a mobile app that is designed to guide youto a remarkable spiritual journey. It provides you with:
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PruBSN UmmahLink is a regular contribution investment-linked takaful plan thatprovides you with protection, investment and savings.
How much is the contribution?The minimum contribution is RM150 per month
including the contribution of CashBuilder. The
contribution for the CashBuilder is based onthe cash payout amount.
Who is eligible for this plan?The plan is open to individual aged
between 19 and 70 years old. The expiry
age of the plan is 80 years old. Age refers
to Age Next Birthday.
What are the charges and deductions?The details of charges and deductions are listed
in the table on the next page. All charges are not
guaranteed. PruBSN reserves the right to change the
rates by giving prior notice to customers.
About PruBSN UmmahLink
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Types of Charges
and DeductionsDetails
UPFRONTWAKALAHCHARGE
This charge allows us to pay commission and distribution related expenses
as well as management expenses. The percentage below is based on term20 years or more. For term less than 20 years, you may refer to the Plan
Illustration.
Certificateyear
1 2 3 4 5 & 67 &
above
Upfrontwakalahcharge
60% 60% 50% 30% 20% 0%
For CashBuilder, the upfront wakalah charge is 5% throughout the
certificate term for contribution that is allocated into the IUA only. Thereis no wakalah charge for contribution that is allocated into the CUA.
ASSETMANAGEMENTCHARGE
This is charged on a daily basis from your investment account value for
your investment management expenses.
Takafulink Dana Bon 0.5% p.a.
Takafulink Dana Ekuiti 1.5% p.a.
Takafulink Dana Urus 1.3% p.a.
Takafulink Dana Simpanan Not Applicable
SERVICECHARGE
This is charged for certificate servicing expenses.
Payment method Charge
Cash/ cheque RM6 per month
Others RM5 per month
TOP-UPCHARGE
We charge 5% on every single contribution top-up. On top of that, for
each top-up of less than RM5,000, there will be an additional charge ofRM25.
FUNDSWITCHINGCHARGE
We provide four free switches every year. For any subsequent switches
within the year, the switch charge is set at 1% of the amount switched
(subject to maximum of RM50).
TABARRU’
We deduct an amount each month from your protection account based
on your age, gender, sum covered, occupational class and smoking status.
Tabarru’ means a donation of a specified portion from the contributioninto the Tabarru’ Fund for the purpose of mutual aid and assistance among
fellow participants according to the agreed benefits under the plan.
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1 This is a takaful product that is tied to the performance of the underlying assets, and it is not a pureinvestment product such as unit trusts.
2 This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). Please referto the Plan Illustration, Product Disclosure Sheet and Fund Profile before participating in the plan.
3 The contribution amount for CashBuilder will be allocated in a pre-defined amount between IUA and CUA.The cash payout is payable from CUA which is invested in Takafulink Dana Simpanan and we reserve the rightat any time to change the underlying investment of Takafulink Dana Simpanan.
4 The chosen funds for CashBuilder are fixed and cannot be changed. However, fund switching is allowed for IUAof Takafulink Dana Ekuiti.
5 The cash payout is non-guaranteed and may be subjected to be pro-rated upon any non-payment of contribution.
6 The SSP Draw is subject to the availability as offered by Bank Simpanan Nasional.
7 The investment profit is only declared at the end of every 12 months for each contribution paid to CUA,provided that each contribution paid has not been withdrawn by you or made as cash payout by us.
8 The investment returns from your PUA, IUA and profit rate from CUA will be based on the actual performanceof the fund and it is not guaranteed.
9 The investment risk of your fund is borne solely by you and the benefits may be less than your total contributionspaid.
10 If you cease paying contribution, your coverage might terminate prematurely.
11 The contribution and Tabarru’ rates are not guaranteed. PruBSN reserves the right to revise the contributionrates and/or Tabarru’ by giving 90 days written notice. For HealthEnrich, 30 days written notice will be provided.
12 For PruBSN UmmahLink, you are entitled to tax relief in respect of your contribution up to RM6,000. Any tax
relief is subject to terms and conditions of Inland Revenue Board (IRB).13 PruBSN UmmahLink does not provide any benefit amount from the Tabarru’ Fund on termination, expiry or
maturity of certificate.
14 PruBSN UmmahLink is based on Wakalah Bil Ajr model which is an arrangement for PruBSN to manageyour takaful plan. Your contribution will be placed in PUA, IUA and CUA after deducting a wakalah chargewhich constitutes the fee for the overall management services provided. The takaful protection comes fromthe Tabarru’ Fund.
15 You are entitled to receive any distributable surplus inclusive of investment profit (if any) arising from Tabarru’at the end of each financial year. Together with other participants, you are entitled to at least 50% of thesurplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru’ Fund. Yourportion of the distributable surplus will be placed back into your PUA. The exact amount of distributablesurplus will be determined annually and is subject to approval by both the Shariah Committee and the Boardof Directors of PruBSN.
PruBSN UmmahLink does not cover any of the following situations:
1 Death is caused by suicide within one year from the date of certificate.
2 TPD is directly or indirectly caused by attempting suicide or self-inflicted bodily injuries while sane orinsane.
3 TPD is directly or indirectly caused by engaging in aerial flights (including parachuting and skydiving)other than as a crew member of or as a fare-paying passenger on a licensed passenger-carryingcommercial aircraft operating on a regular scheduled route.
The exclusion and limitations above are not exhaustive and you should refer to the certificate document forfurther information.
Important Notes
Exclusions
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PruBSN UmmahLink is a Shariah-compliant product.
Prudential BSN Takaful Berhad is a registered Takaful Operator under
the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
For more information/enquiries, please contact:
PRUDENTIAL BSN TAKAFUL BERHAD (740651-H)
Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur.
Tel: 03 2053 7188 Fax: 03 2072 6188
E-mail: [email protected] SMS PruBSN and send to 33080
www.prubsn.com.my
All information is correct at the time of print.Printed 5 October 2014
Important: You must ensure that you are satisfied that this product will best serve your needs and thatthe contribution payable under the certificate is an amount that you can afford.