We are pleased to bring to you A-Excel ~

• a regular contribution Family Takaful Endowment Plan which 
• provides a combination of Takaful Protection and Savings. A-Excel is also the 1st Family Takaful Endowment plan with 
• earliest cash payout in the market, start from 2nd year onwards.

KEY HIGHLIGHT OF A-EXCEL

§      A packaged product consisting Endowment Plan and Survival Benefit Rider.

§      The Best Takaful Savings Plan in the market - 10% Cash Payout of the basic sum covered paid every end of two certificate years until certificate maturity at year 20

§      Protection Benefit – Death Benefit & Total and Permanent Disability (TPD) Benefit

§      Hibah – added distribution benefit for A-Excel and not subjected to the limitation as Faraid and Wasiyah*. The owner of the certificate has the flexibility to transfer the certificate without beneficiary's consent in his/her lifetime.

§      Various riders available to complement your protection needs - Enhanced Advance Payment Waiver of Contribution, Critical Illness Waiver of Contribution, Contributor's Benefit and Contributor's Benefit (Critical Illness)

Example:
Gender: Male
Age: 30
Non-smoker
Sum Covered: RM500,000
Yearly Contribution: RM66,600.00
Survival Benefit Option : Withdraw

He will be receiving 10% of 500,000 = 50,000 for every end of 2 year certificate. Meaning that upon maturity will be receiving the following :

10 times of 50K =  RM500K	plus Cash Surrender Value of RM1,058,683  which equivalent to 1,558,683.

plus death benefits of 500,000.

So you will be a millionaire after 20 years.