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Smart Aspire TakafulSmart Aspire Takaful

Smart Aspire Takaful

(This is a takaful product)

Make the smarter choice with Shariah-compliant savings and protection that grows with you.

Achieve your life goals with Smart Aspire Takaful


Smart Aspire Takaful is a limited contribution term family takaful plan designed to help you achieve your financial milestones with Annual Cash Payouts from the end of the first certificate year until maturity.  

In addition, this plan pays a Maturity Benefit and provides protection against death and Total & Permanent Disability (TPD) during the benefit term.

Benefits at a Glance

Annual cash payout

Annual cash payout

Receive guaranteed annual cash payments starting from your first year.

Loyalty Booster

Loyalty Booster

Every 5 years, enjoy an extra cash reward equal to your annual payout.

Maturity Benefit

Maturity Benefit

Get a guaranteed lump sum payment at the end of your plan term.

Death and Total & Permanent Disability (TPD) Benefit

Death and Total & Permanent Disability (TPD) Benefit

Safeguard your family's financial future with lump sum benefits paid out in the event of death or total & permanent disability.

Potential Investment Growth

Potential Investment Growth

Tap into potential returns with flexible fund options that align with your goals.

Customisable Protection

Customisable Protection

Enhance your plan with optional riders tailored to your unique needs.

Terms and conditions apply.


For more details, please refer to the brochure and product disclosure sheet. Click here for a Product Disclosure Sheet (PDS) sample. 

Investment Opportunity

Invest for potential growth with Takafulink funds. With Smart Aspire Takaful, you have the option to invest in a range of Takafulink funds for potential investment gains from Investment Unit Account (IUA), when you attach Takaful Saver Rider or accumulate ACP and Loyalty Booster in IUA.
  • Takafulink funds
  • Details
Takafulink funds Details
Takafulink Dana Sukuk Takafulink Dana Sukuk aims to provide medium-to-long term accumulation of capital by investing in selected sukuk and Islamic money market instruments.
Takafulink Dana Ekuiti Dinasti Takafulink Dana Ekuiti Dinasti aims to provide long-term capital appreciation by investing in Shariah-compliant investments with exposure to the Greater China region.
Takafulink Dana Urus Takafulink Dana Urus seeks to maximise returns over medium-to-long term by investing in Shariah-compliant equities, sukuk and Islamic money market instruments through Takafulink Dana Ekuiti and Takafulink Dana Bon, and in any other such Takafulink Funds 
that may become available in the future.
Takafulink Dana Dinamik The Takafulink Dana Dinamik aims to provide capital appreciation 
by actively investing in Shariah-compliant equities and 
Shariah-compliant equity-related securities. For defensive considerations, The Fund may invest in Islamic debentures 
and Islamic money market instruments.
Takafulink Dana Ekuiti Takafulink Dana Ekuiti aims to maximise returns over the 
medium-to-long term by investing in selected quality Shariah-compliant securities listed on Bursa Malaysia.
Takafulink Dana Ekuiti Global Takafulink Dana Ekuiti Global aims to provide capital appreciation 
by investing in Shariah-compliant investments with exposure to 
the global equity markets.
Takafulink funds
Takafulink Dana Sukuk
Takafulink Dana Ekuiti Dinasti
Takafulink Dana Urus
Takafulink Dana Dinamik
Takafulink Dana Ekuiti
Takafulink Dana Ekuiti Global

More information

Contribution term
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  • 5 years
  • 10 years
  • 15 years
  • 20 years

The account where the allocated contributions from the basic plan and riders (if attached) are placed for potential investment gains.

 

PruBSN will pay your portion of the distributable surplus3 into this account.

 

3You are entitled to receive any distributable surplus from the Tabarru` Fund inclusive of investment profit (if any). Together with other participants, you are entitled to 50% of the surplus and PruBSN will receive the balance of 50% as performance fee for managing the Tabarru` Fund. Your portion of the distributable surplus will be placed back into your MSA. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of PruBSN.

You may change the covered person during the benefit term, subject to the following terms and conditions:

  • New covered person will be subjected to underwriting; and
  • One-off MSA top-up (100% allocation) may be required; and
  • Changes are allowed only after completion of 3 certificate years from the date of certificate, date of revival or effective date of last Change of Covered Person, whichever is later; and
  • Up to 3 changes are allowed per certificate; and
  • Admin fee of RM100 will be collected for every change.

 

Please refer to certificate document for the full terms and conditions. 

IUA is created when you attach Takaful Saver Rider to your basic plan. If you opt to accumulate ACP and Loyalty Booster, the amount will go into your IUA as well.

 

You will be able to select which funds to invest into for contributions allocated into your IUA.

 

The return in IUA will be based on actual performance of the fund and it is not guaranteed. You may get less than what was invested into the fund.

Age of Entry: 1 to 65 years (next birthday)

Note: Takaful plans are open to all individuals, built on the principles of mutual assistance and shared responsibilities. Guided by Shariah principles, any surplus from the plan may be shared among contributors.

Visit any UOB Malaysia Branch nearest to you.

Build your savings and protection plan with Smart Aspire Takaful

Build your savings and protection plan with Smart Aspire Takaful

Disclaimer
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Underwritten by:

Prudential

 

Smart Aspire Takaful is premised on a mutual assistance (Ta`awun) arrangement where a portion of your contribution is deducted and pooled into the Tabarru` Fund together with the contribution of other participants to provide for mutual financial benefits payable to all the eligible takaful participants.

 

This is for your general information only. You are advised to visit any of our branches and ask for a copy of Product Brochure, Product Disclosure Sheet, Product Illustration, and Fund Fact Sheet(s) for further information before participating in a plan, and to refer to the terms and conditions in the certificate document for details of the features and benefits under the certificate.

 

The contributions that you pay contribute to both the savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this takaful certificate with the effective returns of other investment alternatives.

 

Participating in a family takaful plan is a long-term financial commitment. It is not advisable to hold this certificate for a short period of time in view of the high initial costs. You must ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount you can afford. To achieve this, we recommend that you speak to your UOB Malaysia Representative who will perform a needs analysis and assist you in making an informed decision. You may also contact PruBSN directly for more information.
This plan is underwritten by Prudential BSN Takaful Berhad (“PruBSN”) 200601020898 (740651-H). All claims and liabilities arising from the certificate should be made with the company.

 

PruBSN is a registered Takaful Operator licensed under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. PruBSN Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Berhad’s marketing material for the products offered by PruBSN.

 

Prudential BSN Takaful Berhad (PruBSN) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits covered under the Takaful certificates offered by PruBSN are protected against loss of part or all of the Takaful benefits by PIDM, in the unlikely event of a Takaful operator member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PruBSN or visit the PIDM website (www.pidm.gov.my) or call the PIDM toll-free line (1-800-88-1266).