A-Life Fleksi is a flexible investment-linked plan that helps you protect your loved ones and invest with as little as RM 150 per month. We offer you the flexibility of changing the level of your protection and savings from time to time, to meet your ever-changing needs.
Please note that this is a family takaful product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust.
Get Takaful protection on death and Total and Permanent Disability, as well as invest to grow your savings, all in one plan.
FLEXIBILITY IN PROTECTION AND SAVINGS
This plan gives you freedom to increase or decrease your protection or savings levels, as your circumstances change.
We give you extra coverage for free, the longer you stay with us.
VARIOUS INVESTMENT-LINKED FUNDS
You can choose and change the investment funds whenever you want, at no cost.
Takaful Lingo Explained
What does investment-linked mean?
It means the value of your certificate will depend on the performance of the investment funds you choose.
What does total & permanent disability mean?
It means due to sickness or injury, a person is unable to ever work again.
What does anniversary bonus mean?
This means we will increased the amount you are covered for, without increasing your contribution, for every year you stay with us.
What does sum covered mean?
The sum of money you wish to be covered for.
Like what you’ve read? This is purely a product summary. If you want more information about this product, please request a copy of the Product Disclosure Sheet and Product Illustration from an AIA Life Planner.
This plan covers up to age 100, provided the certificate remains in force and the account value is sufficient to pay for the Tabarru' and other charges.
The Tabarru' for this plan is not guaranteed, you will need to pay additional contribution if the Tabarru' is revised. The Company reserves the right to revise the Tabarru' by giving the Participant 3 months’ written notice.
You may switch your funds as you need and no switching fee is imposed.
Your certificate's account value is not guaranteed and fluctuates based on the performance of AIA PUBLIC Investment-Linked Fund. The potential risks in investing in the funds are borne solely by you.
The contributions paid for this plan may qualify you for a personal tax relief , subject to the final decision of the Inland Revenue Board of Malaysia.
Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
You may refer to the Takaful certificate for full terms and conditions.
TPD coverage is up to age 70.
The amount for savings top-up and withdrawal is subject to a minimum limit per transaction. Please refer to the product brochure for more details about this feature.
Anniversary Bonus is subject to lower initial sum covered or current sum covered, and it is limited to RM500,000 per certificate. The Anniversary Bonus will be granted based on the certificate year when the last contribution is last paid. However, the Anniversary Bonus will not be payable upon surrender, lapse or maturity of the certificate.
You must fulfill all the terms and conditions that are stated in your Takaful certificate to get the five years continuous coverage.