What would be the acceptance procedure to participate?

You are required to fill in an Application Form. However, HLTM Takaful may require additional information from you if deemed necessary. This may include medical examination, the cost of which, will be borne by us.

Charges/ Fees

Wakalah Fee on Contribution	5%
Initial Administrative Charge	RM100 for single contributions less than RM10,000 (free for amounts equal or more than RM 10,000)
Top-up Charge	RM25 per top-up
Partial Withdrawal Charge	RM50 per withdrawal
Surrender Charge	1 st year = 5% 2 nd year = 4% 3 rd year =3% 4 th year = 2% 5 th year = 1% 6 th year onwards = 0%
Dripping Wakalah Fee	10% of the Tabarru' deduction
Fund Management Fee	HLTMT i -Income Fund : 1.00% HLTMT i - Balanced Fund : 1.25%

Note: The above fees and charges are the current charges. HLTM Takaful may vary the rates by giving three (3) months written notice to the participants before the revision.

Exclusions to the coverage

No benefit shall be paid if:

• Death is due to or arising from suicide or attempted suicide and/or other causes prohibited by civil and criminal laws and/or by Shariah. Under such circumstances, only the value of your PIA at the time of Death will be payable.
• TPD is due to AIDS or the influence of intoxicants.

Notes:

• This certificate will lapse if the PIA value at unit price is less than or equal to zero.
• You should satisfy yourself that the plan best serve your needs and the contribution is an amount you can afford.
• This leaflet is merely for brief information and is not intended to be the basis of a Takaful contract. The information contained in this leaflet may change without prior notice. The precise benefits, terms and conditions and other details of coverage are set out in the Takaful Certificate.
• In the event of any dispute or ambiguity arising out of the Bahasa Malaysia translation, the English version shall prevail.