Takaful Insan

The Journey Of Responsibilities Continues, Even In Your Absence.

Fulfilling Your Sense of Responsibility
Everybody has responsibilities, whether it’s to yourself, your spouse, your children, or to society as a whole. Whatever responsibilities you take on, Takaful Insan can help you fulfil each and every one of them in the best possible way.

What is Takaful Insan?
Takaful Insan is a protection plan that provides your beneficiaries with a fixed and regular monthly income for 10 years in the event of Death, or to yourself in the event of Total Permanent Disability (TPD).

How It Works? 
With Takaful Insan, you’ll basically need to make 2 decisions based on the Table of Monthly Benefits. These decisions will determine how much you or your beneficiaries will receive.

•	Decision 1: How much to contribute or contribution amount, i.e. RM100 or RM75 per month
•	Decision 2: How long to contribute or period of Takaful, i.e. 10, 15, 20, 25 or 30 years

Sample Benefit Illustration
If, for example, you are 33 years of age and decide to make a monthly contribution of RM100 for a period of 25 years.

Should you experience TPD during the Takaful period, you will receive a monthly income of RM1,150 for 10 years. In the event of your unfortunate demise during the Takaful period, your beneficiaries will receive RM1,150  a month for 10 years as illustrated in the following table: 

Period of Takaful (years)
Age	10	15	20	25	30
31 - 35	1,050	1,100	1,125	1,150	1,150

This way, you can be assured that your needs and the needs of your family are fully attended to.

Why Takaful Insan?
Takaful Insan is Syariah compliant. It is also based on Surplus Sharing principle. A portion of the surplus arising (if any) from the Fund will be shared with the participants and payable together with the Takaful benefits upon maturity or Death/TPD whichever comes earlier.

Who is Eligible
•	Participants whose entry age is from 18 years old to 50 years old on their next birthday
•	Participant's maximum expiry age is 70 years old on their next birthday

Takaful Concept
Takaful is a mutual assistance scheme based on the spirit of brotherhood and solidarity where participants agree to assist each other financially in case predefined events take place. With this intention in mind, participants pay their contribution on the basis of tabarru’ (donation) to the Family Takaful Fund managed by Etiqa Takaful Berhad.