Smart Secure Takaful

  • Smart Secure Takaful



You know that the decisions made today will determine your future. You know that you should start living your desired lifestyle

How about your beloved, cherished family? You want nothing but the best for them. You want to live life with peace of mind. Let’s build a safety net for life, for a meaningful future for them.

What if, there is an opportunity to achieve all of that?

Introducing Smart Secure Takaful, a takaful savings plan that protects you and your family should the unfortunate happen.


Annual Cash Payout

Annual Cash Payout

Show moreShow less
Potential Higher Returns

Potential Higher Returns

Show moreShow less
Great Flexibility

Great Flexibility

Show moreShow less

Enjoy cash payouts annually after completion of 2nd certificate year and double cash payout from 11th certificate year as well as lump sum payment upon maturity.


Gain more than you expect with your investment as a portion of your annual contribution will be allocated into Investment Unit Account (IUA), which will be invested in Shariah-compliant funds of your choice as follows:

  • Takafulink Dana Bon
  • Takafulink Dana Urus
  • Takafulink Dana Ekuiti Dinasti
  • Takafulink Dana Dinamik

Choose a different cash payout plan, contribution payment term and coverage term that will suit your plans and needs best.


Comprehensive Protection

Comprehensive Protection

Show moreShow less
No Medical Examination

No Medical Examination

Show moreShow less
Wealth Distribution via Hibah**

Wealth Distribution via Hibah**

Show moreShow less

Attach optional three (3) unique riders for optimum coverage, which include a non-medical limit of up to RM1 million.


Fast and hassle- free application to enjoy Basic Sum Covered* up to RM300,000 per life under the plan’s Guaranteed Issuance Offer (GIO).


Your beneficiary has full rights over the Hibah, so they do not have to go through the prolonged inheritance procedures.


Your nomination will not be contestable1
Your beneficiary will receive the Hibah as fast as 14 days2
You customize your own wealth distribution.
You can change your nomination at any time while you are alive.
Anyone can be your beneficiary.


Surplus Sharing

Surplus Sharing

Show moreShow less

Any excess in the Tabarru’ Fund will be proportionately distributed and credited into your MaxiShield Account (MSA) every financial year.

*Basic Sum Covered is used as reference for Annual Cash Payout and Maturity Benefit. Basic Sum Covered is not death or TPD benefit.

** Hibah is an act of giving and it refers to a transfer of ownership from a donor (wahib) to a recipient (mawhub lahu) without any consideration. By virtue of Schedule 10 of the Islamic Financial Services Act 2013, you may nominate an individual to receive the takaful benefits either as an executor or as a beneficiary under the conditional Hibah. Hibah is not applicable to a keyman certificate.

¹ On the basis that the takaful benefits shall not form part of takaful participants’ estate or be subjected to his/her debts.

² Subject to internal requirement and processes.


Benefits Table

Contribution Payment Term and Coverage Term

Contribution Payment Term

Coverage Term

5 or 10 years

15 or 20 years

Death or Total and Permanent Disability (TPD) Benefit

In the event of death or TPD, we will pay the higher of:

  1. The benefit amount stated in Death Benefit Schedule at time of claim; OR
  2. The sum of Surrender Benefit, amount in MSA and value of units in IUA; OR
  3. The sum of total Tabarru’ on Maturity Benefit that has been paid, amount in MSA and value of units in IUA, plus the value of units in AUA, if any.

TPD coverage is before the Certificate Anniversary Date of age 70 and subject to maximum of RM4 million per Covered Person. Certificate will be terminated upon approval of TPD claim.

Note: Death Benefit Schedule refers to the guaranteed Death Benefit stated in the Plan Illustration.

Annual Cash Payout

The following cash payout is payable starting from the end of 2nd year of certificate term and
annually thereafter until the maturity of certificate. The cash payout amount will be a
percentage of sum covered selected. Participant may choose the cash payout plan
from the following selection option:

Certificate Year / Cash Payout Plan Vantage Prime Prestige
% of sum covered
(2nd -10th year of certificate)
4% 6% 8%
% of sum covered
(11th -maturity year of certificate)
8% 12% 16%
Choose to reinvest your Annual Cash Payout for potential investment returns into Accumulation Unit Account (AUA), where the amount will be invested into Takafulink Dana Bon.

Maturity Benefit

An amount equivalent to 100% of the Basic Sum Covered together with the remaining amount in MSA, the value of units in IUA and the value of units in AUA, if any, is payable to you once the certificate matures.

Surrender Benefit

The Surrender Benefit together with the remaining amount in MSA, the value of units in IUA and the value of units in AUA, if any, are payable to you should you decide to surrender your certificate.

Optional Riders

Three (3) optional riders are available to provide you with optimum protection:

  • Term Protector
  • Contributor
  • Spouse Contributor


You are eligible for this plan if you are of the Age Next Birthday from 19 to 60 years.


Types of Charges & Deductions

Upfront Wakalah Charge

This charge allows us to pay commission and cover distribution related expenses as well as management expenses. Upfront Wakalah Charge on contribution to MSA inclusive of contribution for rider(s), if any, is shown as follows:

Contribution Payment Term Year 1 Year 2 Year 3 Year 4 Year 5 Year 6-10
5 Years 27.50% 27.50% 22.90% 12.35% 4.00% -
10 Years 32.50% 32.50% 22.90% 12.35% 6.00% 3.00%

Upfront Wakalah Charge on contribution to IUA is 5.00% throughout the contribution payment term.

Wakalah Certificate Charge

There will be a charge of RM60 per certificate year. This charge is to cover the administration cost of your certificate.

Asset Management Wakalah Charge

The contribution direction for your certificate depends on the fund selected by you. You may select more than one fund to invest in depending on your risk appetite at minimum investment of 5%, with a total of 100% from all funds chosen. You may select the funds below:

Takafulink Funds Asset Management Wakalah Charge
Takafulink Dana Bon 0.50% per annum
Takafulink Dana Urus 1.30% per annum
Takafulink Dana Ekuiti Dinasti 1.50% per annum
Takafulink Dana Dinamik 1.25% per annum

Asset Management Wakalah Charge will be charged on a daily basis from the value of units in your IUA and AUA (if any) to cover the investment management expenses.

Fund Switch Wakalah Charge

We provide four (4) free switches every certificate year. For any subsequent switches within the certificate year, the Fund Switch Wakalah Charge is set at 1% of the amount switched (subject to a maximum of RM50).
Fund switching is applicable to UIA and AUA (if any) portion only.


Tabarru' means a donation of a specified portion from the contribution into the Tabarru' Fund for the purpose of mutual aid and assistance among fellow participants according to the agreed benefits under the plan.
Tabarru' is deducted monthly from your MSA to pay for your takaful coverage.

For further details about Tabarru’, please refer to the Plan Illustration.


Visit any UOBM Branch near you.


Underwritten by:

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 and Plan Illustration before subscribing to a plan, and to refer to the terms and conditions in the certificate document for details of the important features of the plan.

Subscribing to a family Takaful certificate is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential BSN Takaful Representative or Bank Representative who will perform a needs analysis and assist you in making an informed decision.

The above plans are underwritten by Prudential BSN Takaful Berhad (740651-H). All claims and liabilities arising from the certificates should be made with the company.

Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. Prudential BSN Takaful 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 Prudential BSN Takaful Berhad.

Prudential BSN Takaful Berhad 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 Prudential BSN Takaful Berhad are protected against loss of part or all of takaful benefits by PIDM, in the unlikely event of the failure of the Takaful Operator. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from Prudential BSN Takaful Berhad or visit PIDM website ( or call PIDM toll free line (1-800-88-1266).