A-Life Legasi PDF

A-LIFE LEGASI
Your Effort Today,

Your Legacy Tomorrow
AIA PUBLIC Takaful confidential and proprietary information. Not for distribution.
Helping Malaysians live
healthier, longer and better lives
AIA PUBLIC Takaful confidential and proprietary information. Not for distribution. 2
AIA Confidential and proprietary information. Not for distribution. A-Life Legasi Training Slide ver 03Jan2020
WHOLISTIC WELL-BEING
2018
2020
EAT WELL
2017 PLAN WELL
MOVE WELL
2019
REST WELL
1 2 3
KNOW YOUR WEALTH MANAGE YOUR WEALTH GROW YOUR WEALTH
PLAN WELL
4 5 6
ENJOY YOUR WEALTH DISTRIBUTE YOUR WEALTH PROTECTYOUR
PROTECT YOURWEALTH
WEALTH
PROTECT KNOW
Your Wealth Your Wealth
Choice of insurance protection KNOW Financial health check
according to needs Your Wealth
1 MANAGE
DISTRIBUTE Your Wealth
Your Wealth • Financial Planning
• Lump sum/ income DISTRIBUTE 5 Total 2 MANAGE Advisors/Tools
• Will Writing/ Trustee Your Wealth Wealth Your Wealth • Reward you for good
savings habits
Solution
ENJOY 4 3 GROW
Your Wealth Your Wealth
• Lifestage Rewards • Boost your wealth if you
ENJOY GROW stay healthy
• Maturity Booster
Your Wealth Your Wealth • Guaranteed returns
• Lump Sum/ Income
• Potential upsides
What is
Wealth?
Everyone has their own
“WEALTH” definition
Wealth is
Wealth means I rezeki from
God When I have wealth,
can give my family
(Allah) I have more time to
a comfortable life
prepare my life
hereafter
I believe that if I I can provide
help others in need, better education
I will get MORE for my children
Source: Bumi Deep Dive Research, 2019
Wealth Legacy for yourself
= Legacy for your family
Legacy Legacy for life hereafter
Introducing….
Introducing
A-Life Legasi
of your accumulated Akaun Legasi
Your Effort Today,

Your
A-Life Legacy Tomorrow
Legasi
How can we help our
customers build their
FUTURE LEGACY?
This is an Ordinary Family Takaful Plan
(-) After deducting
Wakalah Fee
(-) Tabarru’ will be

Participant
deducted on monthly
Account Fund basis into Participant
(PAF) Risk Fund
To encourage solid legacy foundation,
we will reward customers
for GOOD FINANCIAL MANAGEMENT.
Introducing
“Akaun Legasi”
Participant
Account Fund Akaun Legasi
(PAF)
All rewards are paid as HIBAH
to appreciate customer
for having positive savings habit.
Introducing
“Akaun Legasi”
Participant
Account Fund Akaun Legasi
(PAF)
GET REWARDED
Up to 3% of
Annual Contribution
every 2 years 1 Up to 3% of Annual Contribution
every 2 Years until Maturity
until Maturity when:
The contribution is
up-to-date
Akaun Legasi
Note:
1) 3% for 20 years and full contribution term, and
2% for 5 and 10 years contribution term.
2) Up-to-date means no outstanding contribution
due at the point of pay-out.
GET ADDITIONAL
REWARD
Up to 15% of
PAF Cash Value 1 Up to 3% of Annual Contribution
on 20th certificate
Up to 15% of PAF Cash Value
year when: 2
on 20th Certificate Year
The contribution is
made on-time Akaun Legasi
No withdrawal Note:
1) 15% for 20 years and full contribution term, and
from PAF 8% for 5 and 10 years contribution term.
2) On-time means payment is made before grace
period.
GET MORE
REWARD
20% of
PAF Cash Value 1 Up to 3% of Annual Contribution
upon maturity when:
2 Up to 15% of PAF Cash Value
The contribution is
up-to-date 3 20% of PAF Cash Value
on Maturity
Akaun Legasi
Note:
1) Up-to-date means no outstanding contribution
due at the point of pay-out.
The Akaun Legasi
will be payable
upon:
Death or TPD 1 Up to 3% of Annual Contribution

Certificate Maturity 2 Up to 15% of PAF Cash Value

Life Achievement 3 20% of PAF Cash Value

on Maturity
Akaun Legasi
We celebrate your customer every
LIFE ACHIEVEMENTS
… and GIVE MORE
when he is HEALTHY.
ENJOY YOUR WEALTH
when you reach
8 major milestone
in your life
Graduating from Getting married Having a new child Child getting

tertiary education (including legal married
adoption)
Buying a car Buying a house Retiring after Starting own

age 60 company
We will require submission of proof of the Life Stage Celebration, as specified by Us.
Please refer to appendix for more details.
With he can withdraw
up to 50% OF AKAUN LEGASI
for his life achievements
Akaun Legasi
Note:
1) We will require submission of proof of the Life Stage Celebration, as
specified by Us.
2) 1st event at least 3 years after commencement date, and the following event
at least 3 years after previous event date.
3) Without AIA Vitality, only 20% can be withdrawn.
The monies will be
credited directly into
your customer’s account
At the same time,
GET ADDITIONAL REWARD
up to 10% of Akaun Legasi
every year for staying healthy!
Description Additional amount payable
Platinum 10% of Akaun Legasi
AIA Gold 5% of Akaun legasi
Vitality
Silver Nil
Status
Bronze Nil
Note: The additional amount payable will not reduce the Akaun Legasi
Next, how can we support customers
GROW their wealth?
Introducing
“Participant Investment Fund” Participant
Investment
Fund (PIF)
23
Your customer can INVEST in
any of our 3 Investment Funds through
A-Plus Saver-i or Ad hoc Top-up!
ILLUSTRATED INVESTMENT
RETURN (p.a.)
Low Scenario High Scenario
A-Dana Income
5%
A-Dana Balance Participant
2% Investment
A-Dana Equity 10.3% Fund (PIF)
10-year average
historical FTSE Bursa
Malaysia KLCI returns
for the first 20 years
To boost your customer savings!
ILLUSTRATED INVESTMENT
RETURN (p.a.)
Low Scenario High Scenario
A-Dana Income
5%
A-Dana Balance Participant
2% Investment
A-Dana Equity 10.3% Fund (PIF)
10-year average
historical FTSE Bursa
Malaysia KLCI returns
for the first 20 years
…and any withdrawal from
this fund, will not impact
Sum Covered
Participant
Investment
Akaun Legasi Pay-out Fund (PIF)
In summary
Participant Participant
Account Fund Investment
(PAF) Fund (PIF)
Akaun Legasi
To cover Tabarru’ and to To help grow your wealth

provide basic savings through A-Plus Saver-i
To reward you for managing
your financial well
Ensuring customer’s
WEALTH DISTRIBUTION
is vital for the financial security
of their family.
A-Life Legasi ensures your customer’s legacy

for their loved ones is preserved
A-Life Legasi Features
Contribution Minimum Non Medical Entry Age

Coverage Term
Term Sum Covered Limit
5 years*
Up to 14 days to
10 years*
Age 70 or RM350,000 RM4mil 70 years old
20 years
Age 80
Full Term
Akaun Legasi
* Contribution only available Highestinin
Highest
if your SC is
Takaful New
Akaun
Legasi RM500k & the market Highest in
market
80% 20% above market the market
Basic A-Plus segment
LegasiEnhancer
Basic Coverage
1 Death or TPD 2 Parent Accidental
1x 100% of Basic Sum
1x Death
Upon Participant dies
Covered, or account due to Accident,
value in PAF, an additional 100%
Entry Age whichever is higher of Basic Sum Covered
*TPD accelerates the Basic will be payable to PIF
Sum Covered and covers up *Coverage up to person
to age 70. covered aged 25.
14 days to
17 years old 3 Accidental Death Coverage
for child starts at age 18
New
2x Accidental Death or
Death during Hajj/Umrah
PIF
3x
Highest in
market Accidental Death Building future
the market
segment (Public Conveyance) legacy for his
6x Accidental Death children

AIA PUBLIC Takaful confidential and proprietary information. Not for distribution. (Natural Disaster) 30
Basic Coverage
1 Death or TPD 2 Accidental Death or

Death during Hajj/Umrah
1x 100% of Basic Sum
Covered, or account
2x 200% of of Basic
Sum Covered, or
value in PAF, account value in PAF,
Entry Age whichever is higher whichever is higher
18 years to Accidental Death Accidental Death

3 4
70 years old (Public Conveyance) (Natural Disaster)
3x 300% of of Basic
Sum Covered, or 6x 600% of of Basic
Sum Covered, or
account value in PAF, account value in PAF,
whichever is higher whichever is higher
Now the future legacy built for your
customer’s family is preserved through
HIBAH.
How can this plan

support your customer’s
LEGACY BEYOND LIFE?
Some of your
customer is already a
PHILANTHROPIST
Humanitarian Health Education Spiritually

33
What happen if they are
NO LONGER AROUND
Humanitarian Health Education Spiritually

34
Abu Hurairah narrated that
Prophet Muhammad (peace and blessings be upon him) said,
“When a man dies, his good deeds come to an end

except three:
ongoing charity,
beneficial knowledge, and
righteous offspring who will pray for him.”
(Muslim)
With A-Life Legasi,
you can now leave your legacy
BEYOND LIFE
with charity feature
Introducing
A-Plus Infaq
Do you know?
Infaq is the Arabic word for “spending”. It is a type of charity in Islam that is given without
any expectation of reward or return. One gives Infaq for the betterment of society, their
family and to please God.
Introducing
A-Plus Infaq
An optional rider where the rider sum covered
will be payable to your customer’s
SELECTED CHARITABLE ORGANISATION
upon his death or TPD
1x 2x
3x 6x
HIBAH INFAQ
A-Life Legasi A-Plus Infaq
basic sum covered to rider sum covered to
your loved ones charitable organisation
How does it work?
Attach Choose Select charitable Assign your Upon Death or TPD,

A-Plus Infaq Sum Covered organizations percentage the rider Sum Covered
rider from RM100,000 will be payable to the
MERCY Malaysia selected charitable
organization (s)
National Cancer
Society Malaysia
Any other Charitable
Organization
For other charitable organization, need to provide:
1) Organization Name
2) Organization Registration No
3) Organization Bank Name
AIA PUBLIC Takaful confidential and proprietary information. Not for distribution. 4) Organization Bank Account No 40
What is the cost for your customer
to infaq RM100,000 for
his legacy beyond life?
* Age 20,
AIA PUBLIC Takaful confidential and proprietary information. Not for distribution. Male, Non Smoker, Standard Lives 41
Your customer’s future legacy
for family and beyond life
is well-protected.
What about his

current commitment if he is
DIAGNOSED WITH
CRITICAL ILLNESS?
How can we help
PROTECT his wealth?
Introducing
A-Plus CriticalExtra-i
This rider provide Sum Covered
ADDITIONAL Min: RM250,000
sum covered upon Max: 2x Basic Sum Covered or
diagnosis of 39 RM2 million, whichever is lower
critical illnesses
Payment of this benefit
does not reduce
Basic Sum Covered
With this rider,
we help cover his
commitment to
ensure his asset is
PROTECTED
Selection of Riders
A-Plus Saver-i A-Plus Infaq A-Plus A-Plus Waiver-i A-Plus
CriticalExtra-i ParentWaiver-i
$ $ $
Grow savings by Provides additional Provides additional Waive future Waive future
investing in 3 types of benefit to selected coverage against contribution if Person contribution if
investment fund charitable organization 39 Critical Illnesses Covered diagnosed with Participant die, TPD or
38 CI diagnosed with 38 CI
Entry Age: Entry Age: Entry Age: Entry Age: Participant Entry Age:
14 days to Age 70 14 days to Age 70 14 days to Age 60 Age 18 to Age 60 18 days to Age 60
Payment term: Sum Covered: Sum Covered: Sum Covered: Sum Covered:
Follow basic plan Minimum RM100,000 Minimum RM250,000 Total Annual Contribution Total Annual Contribution
Maximum up to 2x BSC
Coverage term: Coverage term: Coverage term:
Follow basic plan Coverage term: Follow plan Follow plan
Up to Age 70
Sample Contribution
Monthly Contribution Monthly Contribution Monthly Contribution
RM281 + RM41 + RM180

Male, Age 35 A-Life Legasi A-Plus Infaq A-Plus CriticalExtra-i
Non Smoker
• RM500,000 Sum Covered RM100,000 RM250,000
• Expiry Age 70
• Full Term Payment
• Attached A-Plus Waiver-i
AIA 47 47
AIAconfidential
PUBLICand proprietary
Takaful information. and
confidential Not for distribution. information. Not for distribution.
proprietary
Sample Contribution
Monthly Contribution Monthly Contribution
RM200 + RM80
Male, Age 10 A-Life Legasi A-Plus CriticalExtra-i
•
RM500,000 Sum Covered RM250,000
•
Expiry Age 70
•
Full Term Payment
•
Attached A-Plus
AIA PUBLIC Takaful confidential and proprietary information. Not forParentWaiver-i
AIA confidential and proprietary information. Not for distribution. distribution. 48 48
This is an Ordinary Family Takaful Plan
How much is your Basic Commission?
Full Term 10-Pay 5-Pay
or 20-Pay 80% into Basic Contribution 80% into Basic Contribution
BSC BSC BSC BSC
Year Total Year accumulated BSC
of your Akaun Legasi
Total Year BSC Total
Fixed Variable Fixed Variable Fixed Variable
1 26.50% 8.50% 35.0% 1 13.25% 4.25% 17.50% 1 7.95% 2.12% 10.07%
Total 6 Total 6 Total 5

88.50% 31.50% 120.0% 44.25% 15.75% 60.00% 22.13% 7.87% 30.00%
Years Years Years
20% into A-Plus 20% into A-Plus

LegasiEnhancer LegasiEnhancer
3% through out 3% through out
A-LIFE LEGASI
Multiple
list of riders
Hibah up to 6x Akaun Legasi

Parent Accidental Death
A-Plus Infaq
A-Plus Saver-i
Legasi Reward Ad hoc Top-up
8 Life Stage Celebrations
LAUNCHING…
0 1 - -
J A N 2 0
Appendix
of your accumulated Akaun Legasi
A-Life Legasi (Basic Feature)
Item Description
Distribution Channel Agency Channel
Optional Riders Available 1. Contribution Paying Rider A-Plus Waiver-i

2. Contribution Paying Rider A-Plus ParentWaiver-i
3. Contribution Paying Rider A-Plus CriticalExtra-i
4. Contribution Paying Rider A-Plus Infaq
Product Type Regular Ordinary Takaful Plan
Takaful Funds Available 1. Takaful Operator Fund (TOF)

2. Participant Account Fund (PAF)
3. Participant Investment Fund (PIF) for A-Plus Saver-i and Ad Hoc Top-up, if any
Target Market This plan is suitable for:
1. Affluent customer who wanted to be covered with high Death coverage and additional TPD;
2. Customer who seek for legacy planning;
3. Customer who wants to give a portion of his coverage to charitable organization (through A-Plus Infaq rider).
Contribution Term Option 5 years, 10 years, 20 years or pay until maturity.
Coverage Term Up to age 70 and 80

Entry Age Contribution Payment Term
Coverage Term
5 or 10 years 20 years and full pay
Up to age 70 14 days to 60 y/o 14 days to 50 y/o
Up to age 80 14 days to 70 y/o 14 days to 60 y/o
Sum Covered Minimum Sum Covered is RM350,000

The sum covered must be in multiple of RM50,000
53
AIA confidential and proprietary information. Not for distribution. A-Life Legasi Training Slide ver 03Jan2020
A-Life Legasi (Benefit)
Item Description
Death Benefit The amount payable upon the death of the Person Covered is the Basic Sum Covered or Account Value of PAF, whichever is
higher; Plus, Account Value in PIF, if any; Plus, Akaun Legasi amount, if any.
Accelerated TPD If the Person Covered suffers from TPD (both suited TPD and presumptive TPD) prior to age 70, The TPD Sum Covered shall
be payable in one lump sum.
Claim on the TPD Benefit will REDUCE the basic sum covered.
TPD Sum Covered is the Basic Sum Covered or RM8,000,000 per life, whichever is lower.
Accidental Death Benefit or Death The amount payable upon the death of the Person Covered due to an accident or upon the death of the Person Covered during
during Hajj/Umrah hajj or Umrah; both prior to age 70 is 200% Basic Sum Covered or Account Value of PAF, whichever is higher; Plus, Account
Value in PIF, if any; Plus, Akaun Legasi amount, if any.
Accidental Death in Public The amount payable upon the death of the Person Covered due to an accident in a public conveyance or death of the Person
Conveyance Benefit Covered as a result of a fire in any theatres, hotels or other public buildings in which the Person Covered was present at the time
of commencement of any fire, prior to age 70 is 300% Basic Sum Covered or Account Value of PAF, whichever is higher; Plus,
Account Value in PIF, if any; Plus, Akaun Legasi amount, if any.
Accidental Death due to Natural The amount payable upon the accidental death of the Person Covered due a natural disaster, prior to age 70, is 600% Basic
Disaster Sum Covered or Account Value of PAF, whichever is higher; Plus, Account Value in PIF, if any; Plus, Akaun Legasi amount, if
any.
This benefit is up until RM 12mil per life (applicable for natural disaster only).
Parent Accidental Death (for Upon death of the Participant prior age of 70 (Participant age) due to accidental causes, additional 100% of Sum Covered will be
Juvenile) payable to PIF.
This coverage is only applicable for Person Covered age up to 25 years old and can only be claimed once per certificate.
Maturity Benefit Maturity Benefit which is equivalent to 100% of Account Value in both PAF and PIF; Plus, Akaun Legasi Amount, if any.
54
Terms and Condition for Death During
Hajj/Umrah & Natural Disaster
Subject to the following conditions:
2x • The cover period will be the actual length of the trip up to a maximum of forty-five (45) days for Hajj and
fifteen (15) days for Umrah.
• The coverage starts when the Person Covered enters the international border when travelling to Saudi
Arabia until the Person Covered exits the international border at the destination where the Person
Covered departs from Saudi Arabia.
• International border represents the border limit where the Person Covered crosses the Malaysian
Accidental Death Immigration Passport check when travelling to Saudi Arabia or from Saudi Arabia.
Benefit or Death • This benefit will be provided solely for Hajj/Umrah only. It does not provide coverage during Ziarah or
during Hajj/Umrah travels, if the Person Covered performs Ziarah or travels outside of Saudi Arabia during the Hajj/Umrah
period.
• This benefit is only applicable for Muslim Person Covered.
6x “Natural Disaster” means a storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood,
volcanic eruption, wildfire or other similar event that is due to natural causes and results in such severe and
widespread damage that the area of damage is officially declared a disaster area by a state or federal
government if the event occurs in Malaysia, or by a corresponding authority if the event occurs outside of
Malaysia.
Accidental Death
Benefit Natural
Disaster
55
Akaun Legasi Feature
Item Description
Pay-out every 2 years until Maturity Percentage of Total Annual Contribution will be credited to Participant’s Akaun Legasi in every 2 certificate year. Akaun Legasi
amount will only be payable upon Death, Maturity, or selected events determined in the certificate.
Contribution Payment Term Percentage of *Total Annual
Contribution as Akaun Legasi
Full Term 3% of Total Annual Contribution
20 years 3% of Total Annual Contribution
*Total Annual Contribution includes basic A-Life Legasi + A-Plus LegasiEnhancer + attachable riders (excluding A-Plus Saver-i
and Top-up Contribution) + loading, if applicable.
Pay-out on 20th Year An additional amount based on percentage of account value in PAF will be credited to Akaun Legasi upon 20th Certificate
Anniversary. The percentage as follows:
Contribution Payment Term Percentage of PAF Account Value
as Akaun Legasi
Full Term 15%
20 years 15%
10 years 8%
5 years 8%
This benefit amount will be payable from Takaful Operator Fund and will not reduce the account value of PAF.
the benefit will only be payable if all Takaful contributions are paid on time and no withdrawal of account value in PAF made
throughout the certificate tenure from the issue date.
Pay-out upon Maturity Upon completion of certificate term, 20% of Account Value in PAF will be credited into Akaun Legasi (Maximum amount will be
capped at 20% of Basic Sum Covered). This benefit amount will be payable from Takaful Operator Fund and will not reduce the
account value of PAF.
56
Akaun Legasi Feature (Cont.)
Item Description
Pay-out Condition The above Akaun Legasi amount will only be payable if
1. the certificate is still in force; and
2. the contribution payment is up to date as at the date of Akaun Legasi Benefit payment; and
3. the current Sum Covered is RM500,000 and above
In the event of contribution changed, the Legasi payout will be revised based on the following conditions:
1. Reduce in total contribution (ie due to reduce in sum covered, removal of riders): The following Legasi payout will be based
on revised contribution.
2. Increase in total contribution (ie due to additional of riders during campaign period): The following Legasi payout will be
based on previous total contribution. the Legasi payout will be increased based on revised annual contribution amount for
the subsequent payout.
Life Achievements Benefit 20% of the amount in Akaun Legasi will be payable every time the Person Covered achieved the following Life Achievements.
Each payment has a waiting period of 3 years (i.e.1st event at least 3 years after commencement date, 2nd event at least 3
years after 1st event date, 3rd event at least 3 years after 2nd event date and so on).
• Graduating from tertiary education • Child getting married • Starting own company
• Getting married • Buying a house • Retirement at age 60
• Having a new child (including legal • Buying a car
adoption)
Life Achievements Benefit with A- If the Person Covered achieved any of the Life Achievement while A-Plus Infaq is attached, 10% of Akaun Legasi will be given to
Plus Infaq a Charitable Organisation chosen by AIA PUBLIC. The Participant is not allowed to choose own Charitable Organisation. This
benefit payment will reduce the accumulated Akaun Legasi accordingly.
57
Life Achievement Submission
Submit the APTB Form (TBC) form to request for withdrawal from the Akaun Legasi and include the
following proof of requirement:
Event Proof requirement

Graduating from tertiary education Certificate of completion from a college or
university
Getting married Marriage certificate
Having a new child (including legal adoption) Birth certificate or legal adoption papers
Child getting married Child’s marriage certificate
Buying a house Sales and Purchase agreement
Buying a car Sales and Purchase agreement
Starting own company Certificate issued by Companies Commission Of
Malaysia (SSM) upon company registration
Retirement at age 60 As long as Insured has reached age 60, no further
proof is required
58
Vitality Feature
Item Description
Legasi Reward Depending on Person Covered’s vitality status, an additional amount based on the following percentage of Akaun Legasi will be
payable to the Participant. This benefit payment will not reduce the accumulated amount in Akaun Legasi.
Status Additional % as Akaun Legasi

Platinum 10.0%
Gold 5.0%
Silver Nil
Bronze Nil
Formula for Legasi Reward If vitality status is lapsed/surrendered/ terminate, the percentage will be proportionated based on the following formula:
Active Days / Number of Day of the Year x Vitality Percentage
Life Achievements Benefit with If the Person Covered is a vitality member and his membership is active at the date of event, an additional 30% of Akaun Legasi
Vitality membership will be payable.
59
Contribution Information
Item Description
Currency Ringgit Malaysia

Single/Regular Contribution Regular
Minimum Contribution Minimum Annual Contribution for Basic and Riders is RM1,800 (Exclude A-Plus Saver-i).
Note: The contribution is auto-calculated according to Sum Covered selected.

Contribution Payment Mode and Annual : 1.000
Modal Factor Semi Annual: 0.500
Quarterly: 0.250
Monthly: 0.0833
Contribution Payment Method Cash, cheque, credit card and auto debit
Tabarru’ Rate Guarantee Tabarru’ are not guaranteed and the Takaful Operator reserves the right to revise the contribution and the Tabarru’ by giving the
Participant three (3) months written notice prior to certificate anniversary.
Tabarru’ Structure Different rates for gender and smoking status
Continuous Charges Deduction Applicable.
If contribution is not received at the expiration of the late payment period, the basic certificate and riders will automatically
continue, provided that the account value in the PAF is sufficient to cover all certificate charges including the Tabarru’ of the
riders attached to the basic certificate. In the event that any remaining balance of the PAF is insufficient to cover the relevant
certificate charges, the remaining PAF will be refunded to the Participant.
Any payment of contribution within this period will be subject to the contribution allocation. The applicable contribution allocation
will be determined retrospectively to the applicable certificate year as determined by the Takaful Operator which in any way shall
not be earlier than when the total regular contribution was last paid.
There will be no cross subsidy between PAF and PIF.
60
Underwriting Information
Description
Underwriting Requirement Full underwriting

Non-med limit: Up to RM 4 million
Financial Underwriting Up to RM 4 million
Medical Loading & Occupation May be imposed on Tabarru’ and contribution for sub-standard life. Extra loading contribution will be placed in PAF.
loading
Waiting Period for Basic A-Life Not applicable
Legasi
Juvenile Lien If the Person Covered (child) has not attained the age of 4 years old at the time of death/TPD, the Basic Sum Covered payable
shall subject to the following juvenile lien rule:
Age (last birthday) at Percentage (%) of Basic Sum Covered

Death/TPD of the Person Covered Payable
0 20%
1 40%
2 60%
3 80%
4 100%
For further details, please refer to Underwriting Booklet
61
Post Servicing Information
Item Description
Add / Deletion of Rider Addition of Rider

Addition of rider is allowed within first year of the basic certificate only, subject to underwriting and will be effective on the next
monthly anniversary date. The rider contribution will be collected from last certificate anniversary of basic certificate.
Deletion of Rider
Deletion of rider is allowed at any time before the expiry date and will be effective on the next monthly anniversary date
Add / Deletion of A-Plus Saver-i • Addition and deletion of A-Plus Saver-i is allowable within first year only and will be effective in the next contribution due date.
A-Plus Saver-i contribution will be collected from last certificate anniversary of basic certificate.
• Minimum A-Plus Saver-i is RM120 a year (in multiple of 12).
Change of Regular Contribution • Allowed to increase or reduce regular contribution that is due to the increase or decrease of sum covered.
• Regular contribution will not reduce if the decrease in sum covered is due to partial withdrawal.
• Regular contribution will be reduced accordingly in the event of TPD benefit payable less than basic sum covered.
• The minimum contribution (Basic + Riders) is RM1,800. If the contribution become lower than RM1,800 upon reduction of sum
covered, or removal of rider, or any other changes made to the certificate, the difference between the revised contribution and
RM1,800 will be allocated as A-Plus Saver-i.
Change in Payment Mode / Method Allowable
Change in Contribution Payment Not applicable.
Term
Change of Sum Covered Increase in Sum Covered
Increase in sum covered is allowed for the first year only subject to underwriting will be effective on the next monthly anniversary
date. The additional contribution will be collected from last certificate anniversary of basic certificate.
Reduction in Sum Covered

Reduction in sum covered is allowed at any time before the expiry date and will be effective on the next monthly anniversary
date.
62
Post Servicing Information (Cont.)
Item Description
Partial Withdrawal Partial withdrawal of the account value is allowed subject to minimum withdrawal amount of RM1,000 and the minimum account
value in PAF after withdrawal is RM10,000. Partial withdrawal will be in the following sequence:
1. Account Value from PIF
2. Account Value from PAF
Any withdrawal from PIF will not reduce the Sum Covered. If the withdrawal made exceed PIF Account Value, it will reduce the
current sum covered proportionately. Please note that
1. Contribution amount payable remains the same
2. Tabarru’ charges will be based on revised coverage
3. The reduction of basic sum covered will reduce Basic TPD and Parent Accidental sum covered. Sum Covered for attachable
riders will not be affected.
Surrender Benefit The Participant may request to surrender the certificate for its Account Value in both PAF and PIF by giving a written notice to
the Takaful Operator.
Ad-Hoc Top Up The Participant may contribute any ad-hoc top-up contribution at any time with a minimum amount of RM5,000. There is no
maximum amount and the frequency for ad-hoc top-up. The ad hoc top-up contribution paid will be placed into PIF.
The Ad-hoc Top Up will not increase the Sum Covered.

Fund Switching for PIF Allowable
Reinstatement If Certificate has not been surrendered for its Account Value, the Certificate may be reinstated. This however has to be within
two (2) years from the date of lapse and it is also subject to the following:
1. A written application is made by the Participant to have his Certificate reinstated;
2. The Person Covered is within the allowable age limits as determined by AIA PUBLIC at the time of reinstatement;
3. The Person Covered has to produce evidence of permissible Takaful that is satisfactory to AIA PUBLIC;
4. Payment of all overdue Regular Contributions (including A-Plus Saver-i);
5. Payment of any indebtedness which AIA PUBLIC may require; and
6. Any other terms and conditions which AIA PUBLIC may impose at the material time.
63
Any reinstatement shall only cover loss or the covered event which occurs after the reinstatement date.
Post Servicing Information (Cont.)
Item Description
Partial Withdrawal Partial withdrawal of the account value is allowed subject to minimum withdrawal amount of RM1,000 and the minimum account
value in PAF after withdrawal is RM10,000. Partial withdrawal will be in the following sequence:
1. Account Value from PIF
2. Account Value from PAF
Any withdrawal from PIF will not reduce the Sum Covered. If the withdrawal made exceed PIF Account Value, it will reduce the
current sum covered proportionately. Please note that
1. Contribution amount payable remains the same
2. Tabarru’ charges will be based on revised coverage
3. The reduction of basic sum covered will reduce Basic TPD and Parent Accidental sum covered. Sum Covered for attachable
riders will not be affected.
Surrender Benefit The Participant may request to surrender the certificate for its Account Value in both PAF and PIF by giving a written notice to
the Takaful Operator.
Ad-Hoc Top Up The Participant may contribute any ad-hoc top-up contribution at any time with a minimum amount of RM5,000. There is no
maximum amount and the frequency for ad-hoc top-up. The ad hoc top-up contribution paid will be placed into PIF.
The Ad-hoc Top Up will not increase the Sum Covered.

Fund Switching for PIF Allowable
Reinstatement If Certificate has not been surrendered for its Account Value, the Certificate may be reinstated. This however has to be within
two (2) years from the date of lapse and it is also subject to the following:
1. A written application is made by the Participant to have his Certificate reinstated;
2. The Person Covered is within the allowable age limits as determined by AIA PUBLIC at the time of reinstatement;
3. The Person Covered has to produce evidence of permissible Takaful that is satisfactory to AIA PUBLIC;
4. Payment of all overdue Regular Contributions (including A-Plus Saver-i);
5. Payment of any indebtedness which AIA PUBLIC may require; and
6. Any other terms and conditions which AIA PUBLIC may impose at the material time.
Any reinstatement shall only cover loss or the covered event which occurs after the reinstatement date. 64
Fee and Charges Information
Item Description
Wakalah Fee
Pay- Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yr Yr Total
ment 11-15 16-20
Term
5 50% 30% 20% 15% 15% - - - - - - - 130%
10 55% 40% 30% 20% 20% 15% 5% 5% 5% 5% - - 200%
20 or 75% 65% 55% 40% 30% 20% 10% 10% 10% 10% 10% 5% 400%
Full
Term
Monthly Service Charge Not applicable

Fund Switching Fee Fund switching is currently free. The Takaful Operator reserves the right to impose charges by giving the Participant three (3)
months’ prior written notice.
Fund Management Charge (FMC) Fund Management Charge will be imposed for each of the fund (per annum) as percentage of net Asset Value:
for A-Plus Saver-I / Ad Hoc Topup Fund1 FMC
A-Dana Equity 1.5%
A-Dana Income 0.5%
A-Dana Balanced 1.2%
The Fund Management Charge will be deducted at each valuation date and We reserve the right to revise the Fund
Management Charge by giving the Participants three (3) months’ prior written notice.
65
Takaful Model
Account Value Certificate
Account Value Participant Benefits
Payable upon • Death
Payable upon termination or Maturity • TPD
termination or Maturity
Total Regular • Accidental
Contribution • Rider(s)
Akaun A-Plus Saver-I Basic & Rider Contribution

Penjana
Ad Hoc Topup A-Plus LegasiEnhancer
Legasi
(Payable Basic & Rider: X% 1-X%
upon 1-Z% Z% APLE: Y% 1-Y%
Maturity, Wakalah Fee
Death or
selected
(Operator)
Participant ‘s Participant ‘s
events)
Investment Fund Account Fund
Fund
Management Fee
Contribution
Holiday Charge
Takaful Operator’s 20% of investment profit

Participants’ Risk
Fund
Fund (PRF)
(Common) 50%
Monthly
Tabarru’
Basic – Death, TPD
Qard Al-Hasan if PRF is Death, CI and/or

deficient Waiver (if any)
Actual Management Reserves

Expense
50% Net Surplus
66
Takaful Model (Cont.)
Item Description
Participant’s Account Fund (“PAF”) The basic and rider (if any) contribution, less Wakalah fee, will be allocated and invested into the PAF. The PAF will be managed
and Participant’s Investment Fund and invested in accordance with the principles of Shariah (mudharabah (profit sharing contract)). The Tabarru’ will be deducted
(“PIF”) monthly and placed in the Participants Risk Fund (PRF).
Contribution payable for Basic A-Life Legasi will be split into (1) Basic Contribution (2) A-Plus LegasiEnhancer based on the
following percentage
Contribution Payment Term Basic Contribution A-Plus LegasiEnhancer

Full and 20 years 100% 0%
5 and 10 years 80% 20%
For Savings, A-Plus Saver-i or Ad hoc topup will be allocated into the PIF after the applicable Wakalah Fee is deducted as units
of the investment funds.
Takaful Operator’s Fund Akaun Legasi pay-out is payable from the Takaful Operator’s Fund upon maturity, or death of the Person Covered.
Participants’ Risk Fund (“PRF”): • The PRF is a common risk fund and is owned by the pool of Participants.
• The Tabarru‘ is the amount deducted from the Protection Account and allocated into PRF for the purpose of providing Takaful
protection. If there is a net surplus in the PRF, after deducting the claims payable, statutory reserve, solvency capital
requirements, outstanding Al-Qard Al-Hassan (if any) and taxes, at the end of each financial year, the same will be distributed
between the Takaful Operator and the Participants equally in the proportion of 50% and 50%.
• Applying the Ju‘alah contract, the Takaful Operator will be entitled to earn 50% of the Surplus arising from the PRF as an
Ujrah (performance fee) for managing the fund efficiently which result in the Surplus.
• The net Surplus will be distributed to the eligible Participants in accordance to their Tabarru‘ contribution.
• The net Surplus attribution to the Participants shall be shared proportionally and provided always that the Takaful Certificate
has not incurred any claim and/or not received any benefits payable under each type of cover under the Takaful Certificate
whilst it is in force. The net surplus will be distributed in the form of units by crediting it into the PIF.
• In the event the PRF is insufficient to pay for its liabilities, the Takaful Operator will make good the deficiency from its fund
under the principle of Al-Qard Al-Hasan (interest free loan). This amount will be repaid to the Takaful Operator from the future
PRF’s surplus without any profit before any surplus distribution is made.
AIA confidential and proprietary information. Not for distribution.
67
A-Life Legasi Training Slide ver 03Jan2020
Riders Information
FEATURES A-Plus CriticalExtra-i A-Plus Infaq A-Plus Waiver-i A-Plus ParentWaiver-i
Benefit Additional 39 CI coverage Additional Death & TPD Pays remaining Pays remaining contribution
coverage. Payable to chosen contribution upon 38 CI upon Death, TPD or 38 CI of
Charity Org Participant
(Up to age 25)
Min Entry Age 14 days 14 days 18 years old Participant Age:
18 years old
Max Entry Age 60 years old 70 years old 60 years old Participant Age:
60 years old
Coverage Term Up to age 70 Follow Basic Coverage Term Follow Basic Payment Min(Basic Payment Term,
Term Age 25)
Minimum SC RM250,000 RM100,000 Total Contribution Total Contribution
Maximum SC RM2,000,000 Up to Basic SC RM250,000 RM250,000
(Up to 2x Basic SC)
Other Term and 1. Juvenile Lien is 1. 3 selection available which is Only available for Adult Only available for Juvenile
Condition applicable MERCY, NCSM and Others. case Case
2. Waiting period is 2. For Others, It must be a (18 years old and (14 days to 17 years old)
applicable registered organization – above)
registered under SSM, ROS,
SKM, other authorities such
as states religious council.
3. Selection on Non Islamic
organization or Non-Muslim
places of worship are not
allowed.
68
Critical Illness List
The list of covered critical illnesses as follows:
1. Stroke 21. Multiple Sclerosis

2. Cancer 22. Paralysis of Limbs
3. Heart Attack 23. Muscular Dystrophy
4. Coronary Artery By-Pass Surgery 24. Alzheimer's Disease / Severe Dementia
5. Serious Coronary Artery Disease 25. Motor Neuron Disease
6. Angioplasty and Other Invasive Treatments for Coronary Artery Disease 26. Parkinson's Disease
7. Heart Valve Surgery 27. Terminal Illness
8. Fulminant Viral Hepatitis 28. Encephalitis
9. End-Stage Liver Failure 29. Benign Brain Tumour
10. Primary Pulmonary Arterial Hypertension 30. Major Head Trauma
11. End-Stage Lung Disease 31. Bacterial Meningitis
12. Kidney Failure 32. Brain Surgery
13. Surgery to Aorta 33. Medullary Cystic Disease
14. Chronic Aplastic Anaemia 34. Loss of Independent Existence
15. Major Organ / Bone Marrow Transplant 35. HIV Infection Due To Blood Transfusion
16. Blindness – Permanent and Irreversible 36. Cardiomyopathy
17. Deafness – Permanent and Irreversible 37. Full-blown AIDS
18. Loss of Speech 38. Occupationally Acquired Human Immunodeficiency Virus (HIV)
19. Coma Infection
20. Third Degree Burns 39. Systemic Lupus Erythematosus with Severe Kidney Complications
Note: Critical Illness no. 6 (Angioplasty and Other Invasive Treatments for Coronary Artery Disease) is not applicable for A-Plus Waiver-I and A-
Plus ParentWaiver-i
69
Exclusions
Any death arising from the occurrences of the following is not covered:
1. Death due to suicide within 1 year from the issue date or commencement date or reinstatement date, whichever is later. AIA PUBLIC Takaful
Bhd.’s liability shall be limited to the refund of the account value of both PAF and PIF, without profit together with the total Wakalah Fee, Tabarru’
and all charges deducted from the issue date or commencement date, whichever is later. Thereafter, this certificate shall terminate.
Any accidents arising from the occurrence of the following is not covered under A-Life Legasi:
1. Wilful exposure to danger or self-inflicted act while sane or insane; or
2. Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity; or
3. 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; or
4. 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.
Any TPD arising from the occurrence of the following is not covered under A-Life Legasi and A-Plus Infaq:
1. Willful exposure to danger or self-inflicted act while sane or insane; or
2. Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity; or
3. 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; or
4. 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
5. Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date
whichever is later.
70
Exclusions
Any critical illnesses arising from the occurrence of the following is not covered under A-Plus CriticalExtra-I, A-Plus Waiver-I and
A-Plus ParentWaiver-i:
1. Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later; or
2. Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for
Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date,
whichever is later; or
3. All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date,
whichever is later; or
4. Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17; or
5. The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease / Severe Dementia or Terminal Illness
was directly or indirectly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).
71
IPOS
Select A-Life Legasi
72
IPOS
Select “YES” if AIA
Vitality Member.
Enter Sum Covered Amount

and Coverage Term
Select Contribution Payment Term

and Mode of Payment
Contribution will be
calculated automatically
73
IPOS
Select Yes or No for A-Plus Saver-

I or AdHoc Topup
Fund selection is required if you

select A-Plus Saver-i/Ad Hoc
Topup
For Juvenile, You are required to

complete the fund allocation for
Parent Accidental Benefit
74
IPOS
Select rider and sum covered
75

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A-LIFE LEGASI

Your Effort Today,

Your Effort Today,

(-) Tabarru’ will be

Death or TPD 1 Up to 3% of Annual Contribution

Certificate Maturity 2 Up to 15% of PAF Cash Value

Life Achievement 3 20% of PAF Cash Value

Graduating from Getting married Having a new child Child getting

Buying a car Buying a house Retiring after Starting own

Low Scenario High Scenario

Low Scenario High Scenario

To cover Tabarru’ and to To help grow your wealth

A-Life Legasi ensures your customer’s legacy

Contribution Minimum Non Medical Entry Age

6x Accidental Death children

1 Death or TPD 2 Accidental Death or

18 years to Accidental Death Accidental Death

How can this plan

Humanitarian Health Education Spiritually

Humanitarian Health Education Spiritually

“When a man dies, his good deeds come to an end

Attach Choose Select charitable Assign your Upon Death or TPD,

What about his

Monthly Contribution Monthly Contribution Monthly Contribution

RM281 + RM41 + RM180

Monthly Contribution Monthly Contribution

1 26.50% 8.50% 35.0% 1 13.25% 4.25% 17.50% 1 7.95% 2.12% 10.07%

Total 6 Total 6 Total 5

20% into A-Plus 20% into A-Plus

Hibah up to 6x Akaun Legasi

Distribution Channel Agency Channel

Optional Riders Available 1. Contribution Paying Rider A-Plus Waiver-i

Takaful Funds Available 1. Takaful Operator Fund (TOF)

Coverage Term Up to age 70 and 80

Sum Covered Minimum Sum Covered is RM350,000

Event Proof requirement

Status Additional % as Akaun Legasi

Active Days / Number of Day of the Year x Vitality Percentage

Currency Ringgit Malaysia

Note: The contribution is auto-calculated according to Sum Covered selected.

Underwriting Requirement Full underwriting

Age (last birthday) at Percentage (%) of Basic Sum Covered

For further details, please refer to Underwriting Booklet

Add / Deletion of Rider Addition of Rider

Reduction in Sum Covered

The Ad-hoc Top Up will not increase the Sum Covered.

The Ad-hoc Top Up will not increase the Sum Covered.

Monthly Service Charge Not applicable

Akaun A-Plus Saver-I Basic & Rider Contribution

Takaful Operator’s 20% of investment profit

Qard Al-Hasan if PRF is Death, CI and/or

Actual Management Reserves

50% Net Surplus

Contribution Payment Term Basic Contribution A-Plus LegasiEnhancer

1. Stroke 21. Multiple Sclerosis

Select A-Life Legasi

Enter Sum Covered Amount

Select Contribution Payment Term

Select Yes or No for A-Plus Saver-

Fund selection is required if you

For Juvenile, You are required to

Select rider and sum covered

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