An Individual Family Takaful plan with defined monthly contributions for specific terms 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 plus Participant Accumulated Surplus (if any) within the terms of Takaful period.

Why Takaful MyFamily?

Affordable Contribution

Basic protection starting from only RM50 or RM75 per month! You can now put your worries about life aside by choosing the plan that suits your lifestyle the most and make your contributions on monthly, quarterly, half-yearly basis.

Sum Covered for Contributions of RM50 per month only

Age	Term of Coverage (Years)
	10	15	20	25	30
20	39,000	44,500	49,500	56,000	61,500
25	39,500	45,000	49,000	54,500	58,000
30	39,500	44,000	47,000	50,500	52,500
35	38,000	41,500	43,000	44,500	45,000
40	34,500	36,500	36,500	36,500	36,000
45	29,500	30,000	29,000	28,000	-
50	23,500	23,000	21,500	-	-
55	17,500	17,000	-	-	-

Please refer to Sales Illustration for further details.

Sum Covered for Contributions of RM75 per month only

Age	Term of Coverage (Years)
	10	15	20	25	30
20	70,500	79,500	87,500	98,000	107,500
25	71,500	80,000	87,000	95,500	102,000
30	71,500	78,500	83,000	88,500	92,000
35	69,000	74,000	76,000	78,500	79,000
40	63,000	65,000	65,000	65,000	63,000
45	53,500	53,500	51,500	50,000	-
50	43,000	41,500	39,000	-	-
55	32,500	30,500	-	-	-

Please refer to Sales Illustration for further details.

Example:
Mr. Ali, 20 years old takes up Takaful MyFamily with RM75 monthly contribution for 30 years. If Death or Permanent Total Disability* occurs during the Takaful period, Mr. Ali or his beneficiaries will receive RM107,500.

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

•	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.
•	Death & Total Permanent Disability Benefit
	A Sum Covered plus Participant Accumulated Surplus, if any, will be payable, if Death* or Total Permanent Disability** occurs.
	*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.
	**In the event of Total Permanent Disability, the Participant will receive accumulated amount of twenty percent (20%) of the total Sum Covered after six (6) months from the date of disability and the balance of eight percent (80%) will be payable in one (1) year from the date of the first payment.
•	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?

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