The total contribution that you have to pay may vary depending on the sum covered multiple and underwriting requirements of the Operator.
The Operator allocates a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be used to pay wakalah fees, which include commissions to agents and other expenses of the Operator. You are advised to refer to the allocation rates given in the benefit illustration.
For unborn child application, you are required to pay additional RM 500 of single contribution for Baby Care Rider. The contribution after deducting Wakalah Fee will be channelled into PRF.