An Individual Family Takaful plan with defined monthly contributions for specific term that offers maturity benefit at the end of the Takaful period. An amount of Takaful benefits will be payable in the event of Death and Total Permanent Disablement on monthly basis for ten (10) years plus Participant Accumulated Surplus (if any) within the terms of Takaful period.

Why Takaful MyFamily?

Affordable Contribution

Basic protection starting from only RM75 or RM100 per month! You can now put your worries aside by choosing the plan that suits your lifestyle the most and make your contributions on monthly, quarterly, half-yearly or yearly basis.

Monthly Contribution of RM75 only

Age	Fixed Monthly Income Term of Coverage (Years)
	10	15	20	25	30
20	596	675	746	838	917
25	604	679	742	813	871
30	604	667	708	754	783
35	588	629	650	671	675
40	538	558	558	558	546
45	463	467	450	438	-
50	375	367	342	-	-
55	288	275	-	-	-

Please refer to Sales Illustration for further details.

Monthly Contribution of RM100 only

Age	Fixed Monthly Income Term of Coverage (Years)
	10	15	20	25	30
20	863	971	1,071	1,200	1,313
25	875	979	1,063	1,167	1,246
30	875	958	1,017	1,079	1,121
35	850	904	929	958	967
40	779	804	800	800	779
45	671	671	650	629	-
50	546	529	496	-	-
55	421	396	-	-	-

Please refer to Sales Illustration for further details.

Example:
En. Sani, 20 years old, takes up Takaful MyFamily Extend with RM100 monthly contributions for 30 years. If Death or Permanent Total Disability occurs, En. Sani or his beneficiaries will receive a monthly income of RM1,313 for 10 years.

Flexible Tenure
Choose the Takaful period that best suits you

Years
10	15	20	25	30

Hassle-Free Auto Debit of Monthly Contributions
Your monthly contributions are automatically debited from your Credit Card (Visa/MasterCard).

3 Key Benefits of Takaful MyFamily Extend

•	Fixed Monthly Income Benefit
	A regular monthly income is payable for a fixed of ten (10) years period, which is equivalent to the amount of Sum Covered in the event Death* or Total Permanent Disability occurs. Participant Accumulated Surplus (if any) is payable at the first month together with the first regular income payment.
	*If the Participant, while sane, commits suicide, Etiqa Takaful Berhad's liability shall be limited to the refund of the Contribution made if suicide is committed within one (1) year from the Issue Date or any Reinstatement Date of the Certificate; or payment of sixty percent (60%) of the Sum Covered if suicide is committed after one (1) year from the Issue Date or any Reinstatement Date of the Certificate.
•	Maturity Benefit
	Upon maturity, Participant will receive a fixed percentage of the Sum Covered, depending on the Takaful period in a form of "hibah" or gift plus Participant Accumulated Surplus, if any.
•	Funeral Expenses Benefit
	An additional of RM1,000 on top of the Sum Covered is payable upon death for funeral expenses upon satisfactory proof of death.

Please refer to Takaful Certificate for further details.

Wakalah Fee amount to be deducted from the contributions are as follow:

Certificate Year	Wakalah Fee
	Percentage of Contribution	Annual Fee Per Certificate
1	37%	RM240
2 - 3	18%	RM60
4 - 10	8%	RM60
11 onwards	3%	RM60

The above Wakalah Fee rate is only applicable for Takaful period of twenty (20) years and above. The Wakalah Fee rate will vary by the Certificate term. Wakalah Fee is used to pay for the agent's commission and management expenses.

Frequently Asked Questions (FAQs)

Why should I Participate in Takaful MyFamily Extend?

This plan offers you and your immediate family a Takaful coverage plus funeral expenses for your family's peace of mind.

Who is eligible to participate?

Individual between the ages of 18 to 60 years, who are currently residing in Malaysia, regardless of race and religion are eligible to apply.

When does my Takaful coverage begin?

The Takaful coverage begins upon approval of your proposal and receipt of initial contribution payment by Etiqa Takaful Berhad.

Will my contributions increase as I get older? OR Will my contribution increases as I get older?

No. As long as your certificate remains in force, there will be no increase in your contributions.

Will I get anything upon maturity of the Takaful Plan?

Yes. Upon maturity of the Takaful Plan, you will receive a fixed percentage of the Sum Covered, depending on the Takaful period in a form of "hibah" of gift plus Participant Accumulated Surplus, if any.

What will happen if I fail to pay my monthly contributions?

You are given a grace period of thirty one (31) days from the contribution due date and if the contribution remains unpaid at the end of the grace period, the certificate shall lapse.

What is the distribution of surplus percentage?

The entitlement and distribution of surplus between Etiqa Takaful Berhad and Participant is 50% and 50% respectively. The surplus is accumulated and will be payable on Death, Total Permanent Disablement, or at Maturity, whichever occurs first.

How do I participate?

Please visit our nearest Bank Muamalat Branches.

How do I make a claim?

You can visit our nearest Bank Muamalat Branches for claims assistance.

This certificate may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board Malaysia