Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Life Legasi
Life Protection
Coverage Period
UP TO 70 & 80 YEARS OLD
Entry Age
14 DAYS - 70 YEARS OLD
You can participate in this plan via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
A legacy means a gift that is inherited from generations before us. For many, leaving a legacy is associated with the end but in fact, it is rather the beginning of a new and assured era. A legacy is defined by the moments shared, the decisions made and the action taken by those before us to prepare for what lies ahead. An act that leaves our loved ones better equipped to take on life’s challenges and securing the future of generations to come.
A-Life Legasi is a Family Takaful plan that ensures your loved ones are taken care of to pursue their hopes and dreams. Rewarding your milestones in life while protecting your loved ones for their future ahead. Leaving your legacy in great hands.
WHAT DOES IT PROVIDE?
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UP to 600% COVERAGE FOR ACCIDENTAL DEATH
We will pay twice the sum covered amount if you pass away due to an accident, three times the amount if the accident occurs in a public conveyance and six times the amount if you pass away due to a natural disaster.
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CHOICE OF COVERAGE AND PAYMENT TERMS
You have the flexibility to choose your length of coverage and payment terms, depending on your financial commitments and aspirations for your loved ones.
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Be Rewarded for your good financial behaviour
We will credit a percentage of your total annual contribution every 2 years into a fund called Akaun Legasi, as long as you pay your contribution up-to-date, up to 3% of you annual contribution. If you maintain to pay your contribution on time, an additional amount up to 15% of your account value in Participant's Account Fund will be payable to your Akaun Legasi. This benefit is payable from Takaful Operator fund as hibah (gift).
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COVERAGE DURING HAJJ AND UMRAH
We will pay 200% of the sum covered amount if you pass away while performing Hajj or Umrah.
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enjoy FOR YOUR LIFE ACHIEVEMENT
Celebrating a milestone can give us an amazing feeling. With Akaun Legasi feature, we will pay up to 50% of the amount in Akaun Legasi in the event you graduated from a higher learning institution, got married, had a child, bought your first house, celebrating your wedding anniversary, retired at age 60 and many others.
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GET MORE REWARDS WITH AIA VITALITY
As long as you keep yourself healthy with AIA Vitality, you will enjoy an additional amount to be payable to you every year, up to 10% if your current accumulated Akaun Legasi amount. At the same time, you can enjoy additional 30% from your accumulated Akaun Legasi payable to you upon your life achievements.
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SHARING YOUR LEGACY WITH THE COMMUNITY
Nothing feels better than the act of giving, especially helping those in need. With the attachment of A-Plus Infaq, we will pay an additional rider sum covered to a charitable organisation of your choice if you pass away or suffer Total and Permanent Disability.
Takaful Lingo Explained
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.
THE TERMS & CONDITIONS AT A GLANCE
- Depending on the expiry age you selected, this plan covers up to age 70 or 80.
- Tabarru' for this plan is not guaranteed and AIA PUBLIC reserves the right to revise the Tabarru' by giving you 3 months' prior written notice.
- The contribution is payable according to your contribution term selected. 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 Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including the 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 accidental death benefits are only applicable from age 18 until before age 70.
- The coverage for death during Hajj/Umrah is applicable for Muslim only and the coverage starts when the Person Covered enters the international border when travelling to Saudi Arabia and ends when the Person Covered exits the international border after departing from Saudi Arabia.
- The amount in Akaun Legasi will only be payable upon death of the Person Covered, maturity of the certificate or upon the specified Life Achievement.
- For the Life Achievement reward, the Person Covered must provide all necessary evidence in the format as advised by AIA PUBLIC.
- You may refer to the Takaful certificate for full terms and conditions.
- Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.