High protection
On death or TPD, the higher of 100% of your sum covered or your account value is paid. High cover from RM350,000.
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by A-Life Sejuta Makna.
You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
Let’s get you set up, one step at a time.
7 simple steps · just a few minutes
- 1
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
- 2
Register your My AIA account. Sign up on the My AIA portal: this is where you check your details, manage your certificate and download your documents.
- 3
Download the My AIA app. Install My AIA (App Store or Google Play) and register to view your digital medical card, certificate and manage claims. New to it? See the full app guide.
- 4
Check your details & download your e-certificate. In the app/portal, confirm your full name, IC number, date of birth and nominee are correct, then download your certificate/PDS and share a copy with your family or next of kin.
- 5
Death claim: the nominee/Wasi notifies AIA PUBLIC Takaful; submit the form & death certificate within 90 days. Payout = the higher of 100% sum covered or account value, + the Estate Management Benefit (+ up to 200% if during Hajj/Umrah).
- 6
TPD claim: notify AIA PUBLIC Takaful; TPD (unable to work for 6+ months) or presumptive disability before age 70 pays the higher of 100% sum covered or account value.
- 7
Manage in My AIA: update your nominee (hibah/Wasi), track your Vitality cash bonus, and download statements.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
What you’re covered for
Here’s the core protection you get with A-Life Sejuta Makna:
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
TPD cover to age 70
Total & permanent disability is paid on the same basis (accelerated), an income replacement if you can no longer work.
Hajj & Umrah: 200%
Death while performing Hajj or Umrah pays 200% of your sum covered (or account value, if higher).
Estate Management Benefit
An extra RM15,000 to RM75,000 on death (by sum-covered band) to help settle your estate.
Vitality cash bonus
Stay healthy with AIA Vitality and earn a yearly cash bonus, a % of your sum covered by status.
Grows with you
Convert to a new death/TPD plan later without fresh medical checks, plus a Pre-Assessed Quota to raise cover in future.
Benefit summary
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Event | What is paid |
|---|---|
| Death | Higher of 100% sum covered or account value |
| Total & permanent disability (to age 70) | Same basis (accelerated: paid once) |
| Death during Hajj/Umrah | Higher of 200% sum covered or account value |
| Estate Management Benefit | Extra RM15,000 / RM50,000 / RM75,000 (by sum-covered band) |
| Maturity | 100% of your account value |
| Vitality Yearly Cash Bonus | 0.025% (Gold) / 0.05% (Platinum) of sum covered, each year |
Your sum covered, contribution and benefits depend on the plan you choose. See your certificate/PDS. The account value is not guaranteed; your protection is at least 100% of the sum covered. TPD is accelerated. It’s paid as an advance of the death benefit.
Estate Management Benefit: by how much you’re covered
On death, an extra cash amount is paid on top of the death benefit to help your family settle your estate. The more you’re covered for, the more it pays:
- Sum covered RM350,000 to under RM1 million → RM15,000
- Sum covered RM1 million to under RM2 million → RM50,000
- Sum covered RM2 million and above → RM75,000
Important things to know
Eligibility & terms
- Entry age: 16 to 70 (varies by term)
- Coverage term: 10 or 20 years, or up to age 60
- Contribution term: 10 years, 20 years, or the full coverage term
- Minimum sum covered: RM350,000
- Foreigners & business organisations may participate
- Free-look period: 15 days
Legacy & flexibility
- Hibah nomination: name anyone; benefits pass outside your estate. Or a Wasi (executor).
- Conversion Privilege: convert to a new death/TPD plan without further medical underwriting (within 5 years before expiry, age ≤65).
- Pre-Assessed Financial Quota: secure higher cover later with a simple declaration (up to RM9 million).
- Increase (year 1) or decrease your sum covered; add the optional waiver rider.
- Surrender any time for your account value.
Key exclusions
- Death by suicide within the first year
- TPD: self-inflicted, war/riot/terrorism, unlawful acts (racing, intoxication)
- TPD: aviation other than as a fare-paying passenger; pre-existing conditions
- The full list is in the certificate: refer to your certificate
Questions you might have
What is A-Life Sejuta Makna?
A regular-contribution family takaful plan from AIA PUBLIC Takaful. It covers death and accelerated TPD (to age 70), high protection from RM350,000, with an Estate Management Benefit, a 200% Hajj/Umrah payout, and a yearly Vitality cash bonus. Suited to families and business owners.
What’s the Hajj/Umrah benefit?
If death occurs while performing Hajj (up to 45 days) or Umrah (up to 15 days), 200% of your sum covered (or account value, if higher) is paid. For a Muslim person covered, age 18 to before 70.
What is the Estate Management Benefit?
An extra cash amount on death, on top of the death benefit, to help settle your estate: RM15,000 (covered RM350k to under RM1m), RM50,000 (RM1m to under RM2m), or RM75,000 (RM2m and above).
What is the Vitality Yearly Cash Bonus?
A cash bonus each year for AIA Vitality members, by status: Gold 0.025% and Platinum 0.05% of your sum covered (Silver/Bronze 0%). Paid on the certificate anniversary; it starts after the certificate has been in force for 2 years. AIA Vitality membership (RM10/month) is required.
Does it cover critical illness?
Not directly. You can add the optional A-Plus Waiver-i rider. If you’re diagnosed with any one of 44 covered critical illnesses, your future contributions are waived. Tell me if you’d like to add it.
Is this a savings/investment plan?
It has an account (the Participant’s Account Fund) whose value is not guaranteed, managed on a Mudarabah profit-sharing basis. On death/TPD you receive the higher of 100% sum covered or the account value; at maturity, 100% of the account value. At its core, it’s a protection plan.
Who can join & how long is the cover?
Entry age is 16 to 70; the coverage term is 10/20 years or up to age 60. Minimum sum covered is RM350,000. Foreigners & businesses can participate. The free-look period is 15 days.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. Part of your contribution builds an account value that is not guaranteed; your protection is at least 100% of the sum covered. For the actual benefits, limits and terms, refer to the Product Disclosure Sheet (PDS), Sales Illustration and your takaful certificate. A-Life Sejuta Makna is operated by AIA PUBLIC Takaful Bhd. Benefits are protected by PIDM subject to limits. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah