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Smart Legasi Takaful

(This is a takaful product)

Shape your legacy today to protect what matters tomorrow


Start your legacy today and make it one of the greatest gifts you can leave for your loved ones with Smart Legasi Takaful


 

Smart Legasi Takaful is a limited contribution investment-linked family takaful plan that suitable for those who are seeking for long term protection and legacy distribution.

 

Benefits at a Glance

Multiple Rewards for Your Commitment

Multiple Rewards for Your Commitment

Lifelong Protection

Lifelong Protection

Peace of Mind with Conditional Hibah

Peace of Mind with Conditional Hibah

Simple Enrolment

Simple Enrolment

Optional Riders for Extra Protection

Optional Riders for Extra Protection

(optional riders)

More Information

Eligibility
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Entry Age
(Age Next Birthday)

Covered Person : 19 - 65 years old
Participant : 19 years old onwards
Contribution Term

6, 10 or 20 years
Certificate Term

Up to expiry age of 70, 80, 90 or 100
(subject to a minimun certificate term of 20 years)
Sum Covered

Minimum: RM350,000
Maximum: Subject to underwriting

Smart Legasi Takaful plan excludes:

  1. Suicide – PruBSN will not pay any death benefit if death was due to suicide within one year from the effective date of certificate or the date of certificate revival, whichever is later. Instead, the value of units in the PUA (if any) and units in IUA (if any) of the certificate shall be payable.
  2. Pre-Existing Conditions – PruBSN will not pay any TPD benefit if the disability is caused by undisclosed Pre-Existing Conditions within 12 months from the effective date of certificate.


Note: The exclusion list above is non-exhaustive. You must refer to the certificate document for the full list of exclusions.

Customise your plan with the range of riders:

 

Rider Details
Level Term Benefit

Provides an additional lump sum benefit upon death of the Covered Person.
Crisis Protector

Pays the rider sum covered upon the Covered Person's diagnosis of any of the 43 covered critical illness. Benefit paid will not reduce the Basic Sum Covered accordingly.
Crisis Shield

Pays the rider sum covered upon the Covered Person's diagnosis of any of the 43 covered critical illness. Benefit paid will reduce the Basic Sum Covered accordingly.
Contributor Protect

Ensure continuation of coverage by paying an annual benefit (annualized PUA contribution) in the event of diagnosed with any of the 42 critical illnesses or TPD of the Covered Person.
Contributor Spouse Protect

Ensure continuation of coverage by paying an annual benefit (annualized PUA contribution) in the event of diagnosed with any of the 42 critical illnesses or TPD or death of the spouse of the Covered Person.
Contributor Saver

Pays an annual benefit (annualized IUA contribution) during the rider certificate term in the event of diagnosed with any of the 42 critical illnesses or TPD of the Covered Person.
Contributor Spouse Saver

Pays an annual benefit (annualized IUA contribution) during the rider certificate term in the event of diagnosed with any of the 42 critical illnesses or TPD or death of the spouse of the Covered Person.
Takaful Saver

Regular contribution top-up rider


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.

Visit any UOB Malaysia Branch nearest to you.

Build your savings and protection plan with Smart Legasi Takaful

Build your savings and protection plan with Smart Legasi Takaful

Investment Opportunity

Smart Legasi Takaful offers a range of Shariah-compliant Takafulink funds, each designed to suit different risk profiles and financial objectives. Participants can choose from these Takafulink funds to help grow and diversify their plan, whether seeking capital preservation, long-term appreciation, or global exposure.
  • 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 aims to to maximise medium-to-long term returns by investing in Shariah-compliant equities, sukuk and Islamic money market instruments through Takafulink funds and collective Islamic collective investment schemes (CIS).
Takafulink Dana Dinamik 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 sukuk and Islamic money market instruments.
Takafulink Dana Ekuiti Takafulink Dana Ekuiti aims to maximise medium-to-long term returns by investing in selected Shariah-compliant securities listed on the 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

NOTE: This is a takaful product that is tied to the performance of the underlying assets and is not a pure investment product such as unit trusts.

Disclaimer
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Underwritten by:

Prudential

 

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.

 

Smart Legasi 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.

 

This is a takaful product that is tied to the performance of the underlying assets and is not a pure investment product such as unit trusts.

 

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.

 

Member of PIDM
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential BSN Takaful Berhad or PIDM (visit www.pidm.gov.my).