PB Wealth Amanah (This is a takaful product)

AIA PUBLIC Takaful Bhd. is a member of PIDM.

The benefit(s) payable under eligible takaful certificates / products is (are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact AIA PUBLIC Takaful Bhd. or PIDM (visit www.pidm.gov.my).

Maximise Life and Achieve Ultimate Success

Are you setting your goals in life and planning your future? Let us help you with PB Wealth Amanah, a regular contribution family takaful plan.

With PB Wealth Amanah, you can build a lasting legacy for a better tomorrow while your family and loved ones are protected from the unfortunate events.

Why should you build your legacy with PB Wealth Amanah?
  • Ultimate protection, hibah (gift) to your loved one
    • This plan provides your family with a lump sum payment of at least:
      • 100% coverage amount if you pass away or suffer from Total and Permanent Disability1,
      • 200% coverage amount if you pass away during Hajj or Umrah2,
      • 200% coverage amount if you pass away due to an accident1,
      • 300% coverage amount if you pass away due to an accident while travelling on public conveyance1,
      • 600% coverage amount if accidental death happens to you due to a natural disaster1.
    • And lighten the financial burden of your loved ones in the event of your death with:
      • Badal Hajj benefit or Funeral Expenses of RM5,000; and
      • Estate Management Benefit equivalent to 10% of Basic Sum Covered to help ease cost of administering the estate.
  • Ultimate legacy, build a better legacy
    • Nothing feels better than the act of giving, especially giving and helping those in need – with the attachment of PB Infaq, we will pay an additional rider sum covered to your selected charitable organisation if you pass away or suffer from TPD1.
  • High Non-Medical Limit!
    • You can get covered up to RM4 million without any medical checkup3.
  • Maximise your investment, build up your wealth
    • Get access to the best of local and foreign investment and have the flexibility to find the right combination of payment and coverage term to suit your protection needs.
  • Maximise your health, get rewarded when you stay healthy and financially disciplined
    • When you stay healthy and financially disciplined in contributing to your legacy planning, we too want to help you achieve your financial goals with Account Value Boost4, Maturity Boost5&6 and Wealth Boost6&7.

 

Notes:

1TPD and accidental death coverage is up to basic term or age 70, whichever is earlier. Only one of the death benefits above is payable. If your plan’s account value is higher than the benefits above, we will pay you the account value instead.

2The 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.

3Depending on the age and health condition of the Person Covered.

4Depending on the coverage term and will be payable provided contributions are paid up to date and no withdrawals have been made from PAF throughout the certificate year. For coverage term up to age 100, the Account Value Boost will be credited into PAF at the end of certificate year when you reach age 70 and at the of certificate year when you reach age 80 to boost the account value of the plan. The Account Value boost is subject to a maximum 5% of Basic Sum Covered

5The Maturity Boost payable is subject to a maximum of 20% of the Basic Sum Covered and the additional amount will be payable if contributions are paid up to date and no withdrawals have been made from PAF throughout the certificate year.

6For coverage term up to age 100, the Maturity Boost and Wealth Boost will be paid out when you reach age 80 or when your plan reaches Certificate Year 20, whichever is later.

7You will be granted with an initial 20% of Wealth Boost Percentage (WBP). WBP will change based on your AIA Vitality Status at every Wealth Boost Anniversary. There will be a locked in of the WBP when you have attained age 55 or the 20th Wealth Boost Anniversary, whichever is later. The higher of your current WBP or the locked in WBP will be used to determine your Wealth Boost benefit.

You can further enhance your protection by adding different riders
PB Waiver-i
 
Ensure continuous contribution payment if the person covered is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery.
 
(Available for person covered aged between 14 days old and 60 years old)
 
PB ParentWaiver-i
 
Ensure continuous contribution payment of your child’s plan until he/she reaches 25 years old or the end of contribution payment term, whichever is earlier, upon your death, suffer TPD1 or upon diagnosis of one of the 44 covered critical illnesses or undergoes a covered surgery.
 
(Available for person covered’s parent aged between 18 years old and 60 years old who purchases this plan for their children aged between 14 days old and 17 years old)
 
PB SpouseWaiver-i
 
Ensure continuous contribution payment if the person covered’s spouse passes away, suffers TPD1 or is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery.
 
(Available for person covered’s spouse aged between 18 years old and 60 years old)
Who is eligible to participate in PB Wealth Amanah?
This plan is available for individuals aged between 14 days old and 70 years old. The entry age varies based on the coverage term and contribution payment term as shown in the table below:
 
Coverage Term Contribution Payment Term Entry Age
(Nearest Birthday)
Up to age 65 5 years 14 days old - 50 years old
10 years
20 years 14 days old - 45 years old
Full Term
Up to age 75 5 years 14 days old - 60 years old
10 years
20 years 14 days old - 55 years old
Full Term
Up to age 100 5 years

 

 

14 days old - 70 years old

10 years
20 years
Full Term
What doesn’t PB Wealth Amanah cover?
  1. Any death arising from the occurrence of the following is not covered:
    • Death due to suicide within 12 months from the issue date, commencement date or reinstatement date, whichever is later.
  2. Any TPD arising from the occurrence of the following is not covered:
    • Willful exposure to danger or self-inflicted act while sane or insane;
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs;
    • Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Person Covered is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or
    • Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date whichever is later.
  3. Any accidental death arising from the occurrence of the following is not covered under Accidental Death Benefit, Accidental Death in Public Conveyance Benefit and Accidental Death due to Natural Disaster Benefit:
    • Willful exposure to danger or self-inflicted act while sane or insane;
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs;
    • Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Person Covered is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or
    • Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date whichever is later.
 
The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the Takaful Certificate.

To find out more, call us now at 603-2170 8000 or visit any of our branches for more information!
 

This plan is underwritten by AIA PUBLIC Takaful Bhd., a Takaful operator licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA PUBLIC Takaful Bhd. 201101007816 (935955-M), Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur

Distributed by:

More from Takaful

PB Term CI-i 2

Financial assistance in relation to your financing

Takaful myClick Motor

A comprehensive Private Motor Takaful Plan

PB ExcelLink-i

Enhance your investment opportunities with personal protection