The Group Term Takaful (GTT) provides the takaful coverage for death and critical illnesses (CI). In the event of the death of person covered, it provides a lump sum takaful benefit (i.e. the sum covered) as at the time of claim. Additionally, it provides coverage for 36 critical illnesses (CI) for the person covered. Any payout under the CI coverage will reduce the sum covered for death benefit.

Group Term Takaful is managed by Sun Life Malaysia Takaful Berhad (SLMTB) Registration No. 200501012215 (689263-M), a takaful operator regulated by Bank Negara Malaysia and licensed under the Islamic Financial Services Act 2013.

Group Term Takaful is the yearly renewable plan that provides the coverage up to age 65.

The GTT coverage start date (also known as GTT commencement date) will be determined based on your application date as shown below. If death or critical illness occurs after your enrolment but before the GTT coverage start date, no benefit will be payable. However, any contribution paid will be fully refunded to you.

If you are looking for a basic family takaful plan with affordable contribution, this plan is suitable for you.

This campaign* is offered to individual aged between 18 and 64 who have an existing or newly enrolled Sun Life insurance policy or family takaful contract. Applicants must be Malaysian citizens or Permanent Residents residing in Malaysia with a valid 12-digit NRIC.

*Campaign period: 11 November 2025 – 31 December 2025

No, as this is a guaranteed takaful issuance.

Each eligible individual is allowed to participate in only one Group Term Takaful plan and no change of plan option is permitted after issuance.

The monthly contribution that you have to pay is RM140.00 / RM280.00 / RM420.00 depending on the plan option you've selected. The contribution term for this plan will continue up to the expiry of the certificate following your 65th birthday.

The contribution amount is not guaranteed and may be revised from time to time with written notice of no less than 90 days prior to the expiry of the certificate. Any revision contribution shall take effect on the next certificate anniversary following the end of the notice period.

Grace period of 31 days is given from the contribution due date for the payment of contribution. If you do not pay the contribution within 31 days grace period from the contribution due date, your contract will lapse with immediate effect.

The contribution amount will not increase according to your age.

You may pay your contribution via credit card or debit card.

No, you are not allowed to upgrade or downgrade the plan after you have participated in the plan. Please give due consideration to the protection amount you require before participating.

After successfully enrolling in Group Term Takaful, you will receive an email confirmation from SLMTB acknowledging your application. Once your application is approved, a separate email will be sent to you with your e-certificate.

You may also download the product disclosure sheet and master contract from SLMTB's website at
https://mysunlife.sunlifemalaysia.com/grouptermtakaful/ .

No, you are not allowed to use a third party's credit card or debit card to pay your contribution. The credit or debit cardholder must be the named person covered.

You are subject to the following fees and charges:

No death benefit will be payable if the person covered commits suicide (while sane or insane) or dies due to a pre-existing condition within twelve (12) months from the GTT commencement date. No ACI benefit will be payable for any other claim arising from a pre-existing illness, injury, condition, or symptom that existed before the GTT commencement date

Yes, there is a waiting period of 30 days from the GTT commencement date applicable to death and all critical illnesses with exception to the following illnesses which shall be subjected to the waiting period of 60 days from the effective date:
a. Angioplasty and Other Invasive Treatments for Coronary Artery Disease;
b. Cancer;
c. Coronary heart disease requiring surgery;
d. Heart Attack; or
e. Serious Coronary Artery Disease
No benefit would be payable if the person covered dies, due to natural causes or is diagnosed with the critical illness within the waiting period as defined above.

Yes, you may cancel the plan after participating in it. You are entitled to a free-look period of 15 calendars days from the delivery date of the certificate. During this period, you should review your certificate to ensure it is suitable for you and your needs. If you subsequently decide not to take up this plan after the certificate has been issued, you may cancel this plan through a written notice to Sun Life Malaysia within the free-look period. We will refund any contribution paid less any deduction of medical examination expenses incurred by SLMT.

If you cancel after 15 calendars days from the delivery date of the certificate, you will be covered under this plan until the date when the next contribution becomes due. There will be no pro-rated contribution refund or cash value payable.

Group Term Takaful is a pure protection plan and does not provide any cash surrender value.

Kindly ensure that your personal details are accurate upon receiving your contract documents. You may update SLMTB if there are changes to your personal details via our Client Careline at 1300-88-5055 or email us at wecare@sunlifemalaysia.com. after you have participated in the plan.

Yes, the contribution paid for Group Term Takaful may qualify you for personal income tax relief subject to the final decision by the Inland Revenue Board of Malaysia.

The claim form can be downloaded from our website at www.sunlifemalaysia.com/.

The completed claim form together with the necessary documents can be submitted manually to our head office or online via our website. For more information on how to make a claim and additional documents required, visit www.sunlifemalaysia.com/client-care/make-a-claim/online-submission/ .

You are encouraged to make a nomination to speed up the claim payment to your nominee(s).
You have to ensure that your nominee(s) is aware of the takaful plan that you have participated in.

You may download the nomination form from our website at www.sunlifemalaysia.com/.
Kindly ensure you complete and return the nomination form to us.

You may contact our Client Careline at 1300-88-5055 or email us at wecare@sunlifemalaysia.com.

You may click on the links below to get more information related to this product:
Sample Product Disclosure Sheet
Sample Certificate Information Statement