PruBSN Link Series

Protect yourself and your family.

Find the right Takaful plan for you

PruBSN FirstLink Begin First with the Ideal Plan. What is PruBSN FirstLink? PruBSN FirstLink is a regular contribution investment-linked Takaful plan that provides you the freedom to modify your plan to suit your lifestyle needs at every stage of your life. This plan also celebrates your life achievements through its unique feature, AchieveFirst Bonus. PruBSN FirstLink is suitable if you are between 19 to 25 years old. With a minimum contribution of RM100 monthly, you may choose the plan to mature when you reach 80 or 100 years old. What does PruBSN FirstLink offers? The following unique features are available only for you through PruBSN FirstLink. Celebrate your life stage achievements Accomplish one of the following events and we will CELEBRATE your achievement through AchieveFirst Bonus1. You will get RM500 if you complete the event before you reach 50 years old. You can only claim this benefit once. Buy your first house Get married When your child is born Perform Hajj Perform Umrah Complete post-graduate degree Earn Loyalty Bonus1 Pay your contribution on a timely basis and we will give you 5% of your yearly protection contributions2 upon completion of the 10th certificate year and every 3 years after that Continuous coverage1during difficult times This plan ensures your coverage continues for up to six months if you are unable to pay your contributions due to loss of job 1 Subject to terms and conditions 2 This is the contribution allocated into your Protection Unit Account (PUA) How to further enhance your PruBSN FirstLink? You may increase your protection coverage with the following additional benefits3 to suit your financial needs. Get medical and health coverage Our latest medical plan, Medic Essential, is an affordable medical plan that reimburses your medical bills for hospitalisation and surgical. Choose from any of its 5 plans to suit your needs. You may also add Hospital Benefit for additional hospitalisation income Provide income for your loved ones Select our comprehensive Family Income Benefit that will support you or your family by providing monthly income if you are diagnosed with a critical illness or become disabled or pass away Protect against mishaps Choose from our three essential accidental benefits, Accidental Death & Disablement, Accidental Medical Reimbursement andWeekly Indemnity Grow your savings fund Multiply your savings by investing with Takaful Saver in eitherTakafulink Dana Ekuiti or Takafulink Dana Ekuiti Dinasti. These aggressive funds complement you if you have a high tolerance for risk. 3Attachment of additional benefits are subject to underwriting and additional contribution   PruBSN SmartLink Smart Plan for Your Child's Future. What is PruBSN SmartLink? PruBSN SmartLink is a regular contribution investment-linked Takaful plan designed to provide protection while building a secure education fund for your child. This plan also awards your child for his or her academic excellence through its unique benefit, EduSmart Bonus. With a minimum contribution of RM50 monthly, this affordable plan is available for your child between 1 to 18 years old. PruBSN SmartLink is flexible as you can choose whether the plan matures when your child reaches 25 years old or you can plan two steps ahead so that it expires either at age of 80 or 100 years old. What does PruBSN SmartLink offers? Enjoy the following unique features that are available through PruBSN SmartLink. Award academic excellence Excel in your studies and we will AWARD you with EduSmart Bonus4. The higher your contribution into the plan, the higher the award will be. Exam Award Payout* (RM) Minimum Achievement UPSR 50% of Yearly Protection Contribution 600 5As PMR 100% of Yearly Protection Contribution 1,200 7As SPM 150% of Yearly Protection Contribution 1,800 8As STPM or STAM 150% of Yearly Protection Contribution 1,800 4As Diploma or Degree 200% of Yearly Protection Contribution 2,400 3.5 CGPA or 1stClass * Payout example for yearly protection contribution5 of RM1,200 Earn Loyalty Bonus4 Pay your contribution on a timely basis and we will give you 5% of your yearly protection contributions5 upon completion of the 10th certificate year and every 3 years after that Fund withdrawal options You can withdraw your education fund to support your child's higher education expenses. This is inclusive of the Loyalty Bonus as well as No Claim Bonus that you have accumulated. 4 Subject to terms and conditions 5 This is the contribution allocated into your Protection Unit Account (PUA) How to further enhance your PruBSN SmartLink? To strengthen the plan, you may package the following additional benefits6 to gain extra coverage. Secure medical and health coverage Take up our innovative Takaful Health2 for complete hospitalisation and surgical coverage that rewards you with No Claim Bonus (NCB)if you make no claims for the year Enhance it further with either Hospital Benefit or Medical Cover for additional hospitalisation coverage Ensure continuous protection Choose from our range of contributor riders that will pay for your future contribution in the event of critical illness, disability or loss of life Opt for our newly developed Joint Contributor that covers both you and your spouse to ensure that your child continues to be protected Build your child's education fund Build your child's education fund by attaching Takaful Saver and invest it in our managed fund, Takafulink Dana Urus To secure it further, attach any of our Takaful Saver Contributorriders to ensure that your child's education fund continues to grow even if critical illness, disability or loss of life occurs 6 Attachment of additional benefits are subject to underwriting and additional contribution   PruBSN TakafulLink Link your Financial Goals for Total Financial Freedom. What is PruBSN TakafulLink? PruBSN TakafulLink s a regular contribution investment-linked Takaful plan that matures when you reach age 80 or 100. With a wide range of additional benefits available, you will have a comprehensive Takaful plan that helps you manage your changing needs. PruBSN TakafulLink is for you if you are between 26 to 70 years old. What does PruBSN TakafulLink offers? From as low as RM100 monthly, you will enjoy the benefits below for being our faithful customer. Earn Loyalty Bonus7 Pay your contribution on a timely basis and we will give you 5% of your yearly protection contributions8 upon completion of the 10th certificate year and every 3 years after that Complete your protection coverage with the following additional benefits9 to suit your financial needs. Enhance your medical and health coverage Only with Takaful Health2 you will get HIGHER Room & Board benefit and be REWARDED through No Claim Bonus (NCB). You also have the flexibility of choosing either co-Takaful or deductible options of RM3,000 or RM10,000. Enhance your medical coverage with the following benefits TH Auto Upgrade - Your plan will be automatically upgraded to a higher plan on the 5th and 10th anniversary regardless of your health condition or any medical claims that you have made TH Annual Limit Waiver - Now TH Annual Limit Waiver is available with all Takaful Health2 plan. Attach it and you may claim up to the lifetime limit (subject to co-Takaful) within a year. TH Retirement - If you have chosen the deductible option for your Takaful Health2, this rider will convert it back to co-Takaful when you reach age 55 TH Overseas - Get overseas treatment in Singapore, Hong Kong, China and India for FIVE types of covered conditions - Surgery related to cancer, Neurosurgery, Coronary artery bypass surgery, Heart valve surgery and Organ transplant surgery Coverage for critical illness Add in Crisis Shield or Crisis Cover Plus to get coverage for 36 critical illnesses Grow your savings fund Grow your savings through our managed investment fund, Takafulink Dana Urus, or accelerate its growth by investing in equities throughTakafulink Dana Ekuiti or Takafulink Dana Ekuiti Dinasti Preserve your savings fund Preserve your savings for your golden years by investing in a more secure fund, Takafulink Dana Bon 7 Subject to terms and conditions 8 This is the contribution allocated into your Protection Unit Account (PUA) 9 Attachment of additional benefits are subject to underwriting and additional contribution What are the common benefits of PruBSN Link Series? Death Your nominee is entitled to: the basic sum covered, and the value of units in the account For PruBSN SmartLink plan, in the event of critical illness, disability or loss of life before age 5, the proportion of the basic sum covered paid is as below: Age 1 2 3 4 5 & above % of Basic Sum Covered 20% 40% 60% 80% 100% Total and Permanent Disability (TPD) Subject to RM4 million per life on the sum covered Before reaching age 70, the sum covered is payable subject to a maximum lump sum of RM1 million. The balance of the sum covered will be paid upon the first anniversary of the disability. Upon earlier demise, the balance of any sum covered will be paid immediately together with the value of units in the account. Maturity Value of units in the account is payable upon maturity Surrender Value of units in the account is payable to you when you surrender your certificate How much do I contribute for this plan? The minimum monthly protection contribution10 for PruBSN SmartLink is RM50 while for PruBSN FirstLink and PruBSN TakafulLink is RM100. However, your actual contribution amount shall depend on the following: your age your amount of coverage the maturity age you choose your health your gender your occupation (if applicable) Sample Contribution Table Details Aida Daniel Saiful Age 23 5 35 Plan PruBSN FirstLink PruBSN SmartLink PruBSN TakafulLink Expiry Age 80 25 100 Health Status Non-Smoker Non-Smoker Smoker Occupation Executive Child Manager Sum Covered11 RM66,000 RM36,000 RM60,000 Payment frequency Monthly Monthly Monthly Contribution amount RM100 RM50 RM100 10 This is the contribution allocated into your Protection Unit Account (PUA) 11 This is the minimum coverage according to your Protection Contribution How does PruBSN Link Series work? PruBSN Link Series is based on the Wakalah Bil Ajr model where we put your contribution into your account after we take a portion of it as a Wakalah charge. This is a fee for the services we provide. The Takaful protection comes from your Tabarru' deduction that we put in the Tabarru' Fund. What are the charges involved in PruBSN Link Series? The details of the Wakalah and other charges are listed in the table below. The type of charges Details of charges Upfront Wakalah charge This charge consists of commission and distribution related expenses as well as management expenses. The percentage12 below is based on your protection contribution13. Certificate Year Upfront Wakalah charge 1 2 3 4 5 & 6 7 & above 60% 60% 50% 30% 20% 0%   For Takaful Saver, the upfront Wakalah charge is 5% throughout the certificate year. Service charge There will be a service charge of RM6 a month for payments by cash or cheque while RM5 for other payment methods. This is for certificate servicing expenses. Asset management charge We charge this annually on a daily basis from your investment account value for your investment management expenses. • Takafulink Dana Bon – 0.5% p.a. • Takafulink Dana Urus – 1.3% p.a. • Takafulink Dana Ekuiti – 1.5% p.a. • Takafulink Dana Ekuiti Dinasti – 1.5% p.a. Top-up charge We charge 5% on every single contribution top-up. On top of that, for each top-up of less than RM5,000, there will be an additional charge of RM25. Fund switching charge We provide four free switches every year. For any subsequent switches within the year, the switch charge is set at 1% of the amount switched (subject to maximum of RM50). Tabarru' We deduct an amount monthly based on your age, gender, health status, occupation (if applicable), amount of coverage and the duration of the coverage Would I receive any Surplus from this plan? You are entitled to receive at least 50% of the surplus distributed (if any) on yearly basis. The balance of up to 50%14 is shared with us as an incentive for managing the Tabarru' Fund 12 This is the charge for certificates with term of 20 years or more. For certificates with term less than 20 years, it will be reduced accordingly. Please refer to the plan illustration for more detailed information. 13 This is the contribution allocated into your Protection Unit Account (PUA) 14 The percentage will be decided by the Shariah Committee each year

Note: This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document. You should satisfy yourself that this product will serve your needs and that the contribution payable under the certificate is an amount you can afford.