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Life Protection
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    • Takaful Vitality

    A-Life Ikhtiar

    Life Protection

    Coverage Period

    UP TO 70 & 80 YEARS OLD

    Entry Age

    Pre-natal: 13 - 35 WEEKS OF GESTATION

    Post-natal: 14 DAYS - 60 YEARS OLD

    You can participate in this via

    AIA life planner

    WHAT IS THIS PRODUCT ABOUT

    Your family is one of the most precious gifts that life can bestow upon you. Because your family means everything to you, you protect them and provide the best for them and you want this to continue even after you are no longer around.

    Introducing A-Life Ikhtiar, a Family Takaful plan that provides your family with a financial safety net if the unexpected happens to you. The plan gives you the freedom to select your level of protection and the option to enhance your coverage with additional benefits according to your needs.

    By attaching A-Plus Total Health to this plan, you can enjoy comprehensive medical protection. For each year that you dont make any claim, an amount will be credited to your Health Wallet which you can use for health screenings, vaccinations, recovery treatments, medical care for congenital conditions and more. The good news is that you can extend the medical coverage under A-Plus Total Health to your spouse and children under a single basic certificate under your name.

    Read more about A-Life Ikhtiar in Bahasa Malaysia.

    • PRODUCT BROCHURE PRODUCT BROCHURE
    • SHARE SHARE

    WHAT DOES IT PROVIDE?

    • DEATH BENEFIT
      DEATH BENEFIT

      This plan provides your family with a lump sum payment of the sum covered amount to help them financially in the event of your demise.

    • COVERAGE FOR ACCIDENTAL DEATH
      COVERAGE FOR ACCIDENTAL DEATH

      We will pay 200% of the sum covered amount in the event you pass away due to an accident.

    • BADAL HAJJ BENEFIT
      BADAL HAJJ BENEFIT

      Your family will receive RM 5,000 to arrange for Badal Hajj on your behalf should you pass away.

    • SURPLUS FOR CHARITY
      SURPLUS FOR CHARITY

      Give back to the community by opting to donate any surplus you may receive to a charitable organisation.

    Takaful Lingo Explained

    What does sum covered mean?

    The sum of money you wish to be covered for.

    What does surplus mean?

    Surplus refers to the excess from the Takaful risk fund at the end of every year that will be shared between the Takaful Operator and eligible participants at a 50:50 ratio.

    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.

    CONNECT ME WITH AN AIA LIFE PLANNER

    FULL NAME
    Mobile Number
    Home/Work Phone Number
    Email Address
    AIA Customer?
    ID Number

    *Only applicable to AIA customers

    Preferred Location To Meet
    Preferred Day and Time

    To receive the information regarding promotions and offers from AIA Bhd., AIA General Berhad, AIA PUBLIC Takaful Bhd., AIA Pension and Asset Management Sdn. Bhd. and AIA Health Services Sdn. Bhd. (“AIA Malaysia”), please tick below:



    Thank You
    Success Submit

    Submitted Successfully

    We will be in touch!

    THE TERMS & CONDITIONS AT A GLANCE
    THE TERMS & CONDITIONS AT A GLANCE
    - COLLAPSE + EXPAND
    • Depending on the expiry age that you select, this plan covers up to age 70 or 80. Accidental Death and TPD coverage is up to age 70.
    • For Death and Accidental Death that happens before birth or up to 30 days from birth, only the total Contribution that have been paid excluding any A-Plus Saver-i and Ad Hoc Top Up or the account value of Participant’s Account Fund (PAF), whichever is higher, plus the account value of Participant’s Investment Fund (PIF) shall be payable. No benefit will be payable for TPD that occurs up to 30 days from birth.
    • Tabarru' for this plan is not guaranteed and AIA PUBLIC Takaful reserves the right to revise the Tabarru' by giving you 3 months' prior written notice.
    • Contribution payment can be made annually, half-yearly, quarterly or monthly. 
    • This Takaful plan will not provide benefit from Participants' Risk Fund (PRF) upon termination or expiry of the Takaful certificate.
    • You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Takaful Operator.
    • Please refer to the Product Illustration for guaranteed benefits under this plan. 
    • In the event of non-payment of your contribution, your certificate will remain in-force as long as your Account Value in the Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including  Tabarru'. If any contribution is unpaid and the Account Value of PAF becomes insufficient to cover the relevant certificate charges, your certificate shall lapse after the grace period. 
    • The Badal Hajj benefit is only applicable for Muslims aged sixteen (16) and above. If the Person Covered is a non-Muslim or is below the age of sixteen (16) at time of death, this benefit will instead be payable as funeral expense benefit.
    • The Takaful Operator will pay your portion of the surplus to a charity organisation chosen by the Takaful Operator if you opt to have any surplus attributable to be donated to charity. You can opt out from the surplus donation at any time by notifying the Takaful Operator. Please take note that you will not be provided any receipts for your donations.
    • For A-Plus Total Health, each additional life added is subject to additional contribution. The maximum number of dependents that can be added to a single basic certificate is five (5).
    • The information above is not exhaustive. It is recommended that you request for a copy of the Product Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the Takaful certificate.
    • The contribution made 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.

    SIMILAR PRODUCTS

    BASIC

    A-Life Legasi Builder

    Life Protection

    A plan that ensures you build a lasting legacy for your loved ones even when you are no longer around

    takaful vitality
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
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    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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    1300-88-1899
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    1300-22-7771
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
    AIA Roadside Assist
    1-800-88-8733
    www.aia.com.my/roadsideAssist
    Copyright © 2023 AIA Group Limited and its subsidiaries. AIA Bhd. 200701032867 (790895-D) AIA PUBLIC Takaful Bhd. 201101007816 (935955-M) AIA General Berhad 201001040438 (924363-W) AIA Pension and Asset Management Sdn. Bhd. 201201027147 (1011637-P) AIA Health Services Sdn. Bhd. 199601016211 (388561-T). All rights reserved.
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