Escolar Documentos
Profissional Documentos
Cultura Documentos
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Our Vision
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Our Missions
Caring for your lifecycle needs with attractive and
affordable products
Experiencing great moments with us; delivering
our promises on time, all the time
To be the preferred partner for all stakeholders by
attracting and developing value-based talents
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Our Values
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About Us
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Shareholding Structure
SINGAPORE GEH
100% Koperasi Angkatan Tentera
Malaysia Berhad
GELS
100% Great Eastern Entities
GEH: Great Eastern Holdings
Ltd
MALAYSIA GEC
GELS: Great Eastern Life
100% 100% Assurance Co. Ltd
GEC: Great Eastern Capital (M)
Sdn Bhd
KAT i-GREAT GELM GELM: Great Eastern Life
30% 70% Assurance (Malaysia) Bhd
i-GREAT: I Great Capital
Holdings Sdn Bhd
GETSB
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Board of Directors
Datuk Kamaruddin Taib Tan Sri Dato’ Nasrudin Bahari Mrs Fang Ai Lian
Chairman Director Director
Mohamad Mej Jen (B) Dato’ Che Tn Hj Jamaluddin Masrin Dato Koh Yaw Hui
Salihuddin Ahmad Hasni Che Ahmad Director Director
Director Director
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Shariah Dr. Ahmad Basri Ibrahim
Committee
Chairman
Assistant Professor, IIUM
Dr. Wan Sabri Wan Yusuf Dr. Akhtarzaite Abdul Aziz Dr. Mohamad Sabri Zakaria
Member Member Member
Associate Professor, IIUM Assistant Professor, IIUM Assistant Professor, IIUM
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Awards and Achievements
‘BEST NEW
TAKAFUL OPERATOR’
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Contact Information
Great Eastern Takaful Sdn Bhd (916257-H)
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Our Business
Great Eastern Takaful Sdn Bhd
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Family Takaful
A shariah-compliant plan
that provides protection
against financial loss
caused by fortuitous events
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Our Products, Beyond Protection
Protection
Spiritual
Hospitalizations and Investment
Legacy
Accident Education
Retirement
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Similar but not the Same
Fortunate many help the unfortunate few
Contribute to a fund managed
by Takaful Operator
Participants guarantee
Participate in Takaful plan Tabarru’ contract each other
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Similar but not the Same
Unallocated
Insurance Premium
Allocated
premium
premium
Invest
Invest
TIV Company
Less:
Profits 100% Insurance charge, policy fee
and fund management
charge
Profits 100%
Pays claims,
other expenses
and invest
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Similar but not the Same
contribution
contribution
Unallocated
Takaful Contribution
Allocated
PUA Operator
Less: Tabarru’
Less:
charge
Service charge and
Profit 100%
fund management
Tabarru’ Fund charge Pays
Profit 100%
expenses
UW Surplus 50%
UW Surplus 50%
Less: Claims Invest
Underwriting Surplus
(After a suitable amount is held
back for contingency purposes)
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Similar but not the Same
Takaful removes objectionable elements
Shariah Committee
Insurance
Gharar
Maisir
Riba
Takaful
Tabarru’ ‘Filter’
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Takaful and Insurance
Takaful Insurance
Donation and mutual
Mutual contract
Contracts contract
Product
Hospitability
Personalization
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Delighting YOU…Fully
Great Eastern Takaful Sdn Bhd
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Your Life Line
From Cradle to Hereafter
RM
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Doing Good Deeds
From Cradle to Hereafter
Eternal,
Living Spiritual
Benefits and Legacy
Benefits
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Living Benefits
From Cradle to Hereafter
Lifestyle
maintenance
Payment of
Wealth
medical fees
creation
and treatment
Living
Benefits Settle
Funds for
outstanding
education
financial
expenses
obligations
Fulfilling
spiritual
obligations
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Living Benefits
Lifestyle maintenance
From Cradle to Hereafter
You are buying lesser cup of coffee with RM1….
1980s Today
• 4 cups • 1 cup of
of coffee • 2 cups coffee • ½ cup of
of coffee coffee
1970s 1990s
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Living Benefits
Lifestyle maintenance
From Cradle to Hereafter
Lifestyle inflation
Coffee
Nasi Lemak
Apartment
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Living Benefits
Lifestyle maintenance
From Cradle to Hereafter
Savings at
$$$ Liquidity
the bank
Maximize
Investments $$$ earned
income
Protects Immediate
Takaful your future
income
financial
security
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Living Benefits
Lifestyle maintenance From Cradle to Hereafter
Luxury
Style
Comfort
Basic
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Living Benefits
From Cradle to Hereafter
Payment of medical fees and treatment
Permanent
Accidents Disability
Today
Tomorrow
Major Illness Hospitalization
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Living Benefits
From Cradle to Hereafter
Payment of medical fees and treatment
TOP 3
Lifestyle
CAUSE OF DEATH Hereditary
v
IN MALAYSIA
1. Cancer
2. Heart Diseases
3. Stroke
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Living Benefits
From Cradle to Hereafter
Settle outstanding financial obligations
Money Owed
to Other
Individuals
Personal
Car Financing
Financing
Home
Credit Cards
Financing
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Living Benefits
From Cradle to Hereafter
Fulfilling spiritual obligations
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Living Benefits
Funds for education expenses
From Cradle to Hereafter
Cost of education
Bachelor Degree in Malaysia
Area of
Option 1 Option 2 Option 3
Study
Private College
Local University in Malaysia Private University in Malaysia
3+0 Foreign Degree Program
Business RM15,000 – RM30,000 RM30,000 - RM40,000 RM39,000 - RM52,000
(3 years) (3 years) (3 years)
Engineering RM20,000 – RM35,000 RM46,000 - RM52,000 RM45,000 - RM47,000
(4 years for Malaysian degree) (4 years for Malaysian degree) (3 years for UK degree)
IT RM18,000 – RM30,000 RM33,000 - RM43,000 RM33,000 - RM40,000
(3 years) (3 years) (3 years)
Medicine RM25,000 – RM35,000 RM250,000 - RM333,000 n/a
(5 years) (5 years)
Source: StudyMalaysia.com Research Team in 2009
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Living Benefits
Funds for education expenses
From Cradle to Hereafter
Increasing cost of education
“The general increase cost for local studies is about 3% per year and foreign
about 5% and this applies to a general business degree of 3 years”
Mike Lee, Managing Director of CTLA Financial Planners Sdn. Bhd.
“School fees for primary and secondary education range from RM15,000 to
RM17,000 p.a. with an average 10% increase in fees every 2 years”
Rina Thiagu-Kler, Marketing Manager of private school Sri KDU.
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Living Benefits
From Cradle to Hereafter
Funds for education expenses
Increasing cost of education
Four years General Degree at Local University
Source: Your Guide to University Cost, 6th Edition, Public Mutual Berhad
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Living Benefits
From Cradle to Hereafter
Funds for education expenses
Increasing cost of education
Three years General Degree in Australia
Source: Your Guide to University Cost, 6th Edition, Public Mutual Berhad
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Living Benefits
Funds for education expenses
From Cradle to Hereafter
Increasing cost of education
When is the best time to start saving for your child’s education?
no w is RM1093!*
The 3rd • Today!
Best Time
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Living Benefits
Funds for education expenses
From Cradle to Hereafter
Alternatives Limitations
Lack of discipline &
Savings & EPF
insufficient funds
Limited resources &
Borrowings
repayment challenge
Competitive &
Scholarships
employment bondage
High interest and
Bank financing
repayment challenge
Distracted & longer
Work and study
completion period
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Living Benefits
From Cradle to Hereafter
Wealth creation
INVESTMENT
Financial
Independence
SAVINGS
PROTECTION
INCOME HEALTH ASSETS
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Living Benefits
From Cradle to Hereafter
Wealth creation
Will you outlive your retirement fund OR your retirement fund will outlive you?
*Assuming you maintain your lifestyle after retirement with zero inflation
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Living Benefits
From Cradle to Hereafter
Wealth creation
How much is enough to fund for 20 years of retirement?
Retirement Funds
Monthly Expenses
Required at age 55*
RM2,000 RM735,994
RM3,000 RM1,103,992
RM4,000 RM1,471,989
RM5,000 RM1,839,986
*Assuming you maintain your lifestyle after retirement with 4% inflation
rates, retire at age 55 and funding for retirement for 20 years, Begin Mode
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Living Benefits
From Cradle to Hereafter
Wealth creation
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Eternal Benefits
From Cradle to Hereafter
Contribute to help
each other, you’ll
be rewarded
Create legacy
through Takaful Settle outstanding
nominations financial debts
Eternal
Benefits
Purchase of useful
Payment of
property for the
outstanding Zakat
purpose of waqaf
Performance of
the Badal Hajj
(if any)
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Eternal Benefits
From Cradle to Hereafter
Contribute to help each other,
you’ll be rewarded
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Upon death…
Obligations
Eternal Benefits
Settle outstanding financial obligations
Investments
Savings EPF Assets
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Ownership
Shortfalls
From Cradle to Hereafter
Eternal Benefits
From Cradle to Hereafter
Payment of outstanding Zakat
‘Mr. NO Takaful’
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Eternal Benefits
From Cradle to Hereafter
Performance of Badal Hajj (if any)
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Eternal Benefits
From Cradle to Hereafter
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Eternal Benefits
From Cradle to Hereafter
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Takaful Planning
At the Early Stage
It is less costly when you are… Young
Earning
Healthy
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Takaful Planning
At the Early Stage
Do not let
the unexpected
stall your life
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Takaful Planning
At the Early Stage
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Our Products
Great Eastern Takaful Sdn Bhd
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i-Great Amal
Perform the pilgrimage without
worrying about your finances
and protection needs.
We provide protection for You!
for all
TAKAFUL
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Why i-Great Amal?
Be rest assured. Be worry free.
Perform your Ibadah with total peace of mind.
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Why i-Great Amal?
Be rest assured. Be worry free.
Perform your Ibadah with total peace of mind.
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About Great Amal
Cover You
upon
Unexpected
Events
Extra Benefits
Enjoy Tax
to Sparkle
Relief
your Journey
Key
Propositions
Rewards you with
Underwriting
Surplus and Adha Benefit
Investment Profit
Pays You
upon Maturity
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About i-Great Amal
Regular contribution term
Takaful plan
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Benefits of i-Great Amal
Death Benefit
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Package 1 Male ANB 25, non smoker, class 1,
BSC RM50K, 30 years term, contribution RM1,285 per
year, GETBIS projections based on Scenario 2 (5%)
End of
Certificate 5 10 21 25 30
year
End of
Certificate 5 10 25 28 30
year
End of
Certificate 5 10 21 25 30
year
End of
Certificate 5 10 22 25 30
year
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i-Great Damai
Enjoy the finer things in life
with affordable
comprehensive protection.
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Why i-Great Damai?
Live life to the fullest
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Why i-Great Damai?
Live life to the fullest
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About i-Great Damai
Work Smarter
Not Harder
We Care for
Enjoy Tax
you and your
Relief
Loved Ones
Bereavement
Pays you upon Benefits for
Maturity Key your Extra
Propositions Coverage
Rewards you
with Underwriting Enhance your
Surplus and Protection
Investment Profit
Flexibility to
Several Decide on
Choices of Protection and
Funds Contribution
Levels
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About i-Great Damai
Regular contribution
investment-linked Family
Takaful plan
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Benefits of i-Great Damai
Bereavement
Death Benefit
Benefit
Total &
Permanent Maturity
Disability Benefit
(TPD) Benefit
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i-Great Damai: Additional Coverage
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Package 1
Gen-Z Protection Plan
i-Great Damai
Medical Riders
i-HB and i-Medik
Provider Riders
i-Great Damai RM50,000
i-PDD, i-PTPD and i-PP
i-Medik i-M200
Contributor Riders
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Package 1 Gen-Z Protection Plan
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Package 2
Gen-Y Protection Plan
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Package 2 Gen-Y Protection Plan
Accidental Death RM2,000 Bereavement Benefit + RM50,000 + Value of units + RM50,000 (claim • i-Great Damai
will be 200% if accidental death occurs in double indemnity situation) + 5% • i-CABX
increase in rider coverage annually + RM2,500 compassionate allowance
36 Critical Illness RM50,000 + contribution will be waived for i-Medik, i-CIBR and i-CABX, • i-CIBR
investment/saving continues • i-PP
Total and Permanent RM50,000 + RM50,000 if due to accident + 5% increase in rider coverage • i-Great Damai
Disability (TPD) annually + contribution will be waived for i-Medik, i-CIBR and i-CABX, • i-CABX
investment/saving continues • i-PP
Accidental Injury Amount payable depending on types of injury as in the dismemberment table • i-CABX
Weekly Indemnity RM50 per day if confined at Malaysian Government Hospital • i-Medik
RM150 per week if confined at Malaysian Government Hospital • i-CABX
RM375 per week if Temporary Total Disability
RM87.50 per week if Temporary Partial Disability
For illustration purposes only; actual claim scenario may vary. Subject to term & conditions.
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Package 3
Gen-X Protection Plan
Accident Rider
i-ADD, i-AMR, i-CABX i-Early Payout CriticalCare (i-EPCC) RM50,000
Other Rider – Disability Income Rider
i-GI i-Medik i-M200
Provider Riders
i-PDD, i-PTPD and i-PP
i-Comprehensive Accident Benefit RM50,000
Contributor Riders
Xtra (i-CABX)
i-CB and i-CBP
i-Provider Plus RM2,400
Fund: Dana i-Majmuk
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Package 3 Gen-X Protection Plan
Events What do I get? From which plan?
Accidental Death RM2,000 Bereavement Benefit + RM50,000 + Value of units + RM50,000 (claim • i-Great Damai
will be 200% if accidental death occurs in double indemnity situation) + 5% • i-CABX
increase in rider coverage annually + RM2,500 compassionate allowance
36 Critical Illness RM50,000 + contribution will be waived for i-Medik, i-CIBR, i-EPCC and i-CABX, • i-CIBR
investment/saving continues • i-PP
30 Conditions covered at Amount payable depending on severity levels of the illnesses • i-EPCC
10%, 25% and 50%
Total and Permanent RM50,000 + RM50,000 if due to accident + 5% increase in rider coverage annually • i-Great Damai
Disability (TPD) + contribution will be waived for i-Medik, i-CIBR, i-EPCC and i-CABX, • i-CABX
investment/saving continues • i-PP
Accidental Injury Amount payable depending on types of injury as in the dismemberment table • i-CABX
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Package 4
Baby-Boomers Protection Plan
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Package 4 Baby-Boomers Protection Plan
Events What do I get? From which plan?
Accidental Death RM2,000 Bereavement Benefit + RM50,000 + Value of units + RM30,000 (claim • i-Great Damai
will be 200% if accidental death occurs in double indemnity situation) + 5% • i-CABX
increase in rider coverage annually + RM2,500 compassionate allowance
36 Critical Illness RM50,000 + contribution will be waived for i-Medik, i-CIBR, i-EPCC and i-CABX, • i-CIBR
investment/saving continues • i-PP
30 Conditions covered at Amount payable depending on severity levels of the illnesses • i-EPCC
10%, 25% and 50%
Total and Permanent RM50,000 + RM30,000 if due to accident + 5% increase in rider coverage annually • i-Great Damai
Disability (TPD) + contribution will be waived for i-Medik, i-CIBR, i-EPCC and i-CABX, • i-CABX
investment/saving continues • i-PP
Accidental Injury Amount payable depending on types of injury as in the dismemberment table • i-CABX
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i-Great Abadi
Protection that builds
your wealth
for future generation.
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Why i-Great Abadi?
Make money now and forever
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Why i-Great Abadi?
Make money now and forever
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About i-Great Abadi
We are Here to
Help you
Flexibility to
Enjoy Tax Top-up your
Relief Investment
Value
We Care for
Pays you upon
Key you and your
Maturity
Loved Ones
Propositions
Rewards you Accidental
with Underwriting Death Benefit
Surplus and (ADB) Adds to
Investment Profit Your Protection
Several Options to
Choices of Enhance your
Funds Protection
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About i-Great Abadi
Regular contribution
investment-linked Family
Takaful plan
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Benefits of i-Great Abadi
Death Benefit
Total &
Maturity Permanent
Benefit Disability (TPD)
Benefit
Accidental
Enhanced
Death Benefit
Allocation
(ADB)
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i-Great Abadi: Additional Coverage
Provider Riders
i-PDD, i-PTPD and i-PP
Contributor Riders
i-CB and i-CBP
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Package 1
Advanced Savings Plan
Contributor Riders
i-CB and i-CBP
Cash Value
10 years RM78,646
Fund: Dana i-Mekar
20 years RM227,912
30 years RM398,715
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Package 2
Pro Savings Plan
Contributor Riders
i-CB and i-CBP
Cash Value
10 years RM109,894
Fund: Dana i-Majmuk
20 years RM298,465
30 years RM500,534
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Package 3
Senior Savings Plan
Contributor Riders
i-CB and i-CBP
Cash Value
10 years RM132,279
Fund: Dana i-Makmur
20 years RM336,740
30 years RM562,882
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i-Great Iqra’
Beyond Boundaries.
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Why i-Great Iqra’ ?
Plan for a better tomorrow
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About i-Great Iqra’
Savings for your
Child's Education
Protection for
Beyond
your Beloved
Boundaries
Child
Reward on your
Child’s Extra Protection
Performance
Key
Propositions
Flexible Coverage
Tax Relief Term
Underwriting
Surplus and More Flexibilities
Investment Profit
Choices of Funds
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About i-Great Iqra’
Regular contribution investment-
linked Family Takaful plan
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Benefits of i-Great Iqra’
Total and
Permanent
Death
Disability
Benefit
(TPD)
Benefit
Excellent
Maturity
Achiever
Benefit
Rewards
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i-Great Iqra’: Additional Coverage
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Package 1 Child ANB 1, Contributor Male ANB 30, BSC
RM50K, 20 years term, contribution RM1,200 per
year, i-CBP attached, GETBIS projections based
on Scenario Y (9%), 100% Dana i-Mekar
End of
certificate 11 14 17 19 20
year
Death/TPD at age20
Excellent Achiever = RM84,327
Rewards (BSC RM50K + PUA RM34,327)
PMR: Max RM450 Total Contribution Paid =
Total Contribution Paid RM22,800
= RM16,800
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Package 2 Child ANB 5, Contributor Male ANB 35, BSC
RM100K, 20 years term, contribution RM2,400 per
year, i-CBP attached, GETBIS projections based
on Scenario Y (9%), 100% Dana i-Mekar
End of
certificate 7 10 13 19 20
year
Death/TPD at age24
Excellent Achiever = RM170,289
Rewards (BSC RM100K + PUA RM70,289)
PMR: Max RM450 Total Contribution Paid =
Total Contribution Paid RM45,600
= RM24,000
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“All rights reserved. This presentation material is solely for the use of authorized agents of Great Eastern Takaful Sdn Bhd.
It is provided in order to assist the agent in the agent’s marketing presentation on i-Great products whilst soliciting
business with certificate holder and other potential customers for the Company. Except for the purpose stated herein, no
part of this publication may be reproduced, circulated or transmitted in any form or by any means or stored in any
retrieval system of any nature, without prior written permission from Great Eastern Takaful Sdn Bhd.
This information is correct as at February 2012.”