Smart Waris

You have positioned yourself for success and it’s time to secure your wealth by

leaving your legacy with Smart Waris, a plan that fulfils your strategy to ensure your heirs and loved ones inherit your legacy.

See how you can enhance your wealth for generations to come. 

• Hibah (Gift)
  Protect your loved ones’ future without complex inheritance procedures & as a gift to those who are not covered by Fara’id

• Lifestyle Maintenance
  Grow your assets & live in greater comfort during your golden years

• Family Business
  Protect your family business succession planning

• Waqaf
  Fulfil your charitable intentions

• Estate Planning Tool
  Source of money for transfer ownership or to liquidate the estate of the deceased

• Leave a legacy with Hibah (gift) - Hibah will not form part of the estate that is subject to Fara'id for Muslims, and for Non-Muslims, the benefits will not form part of estate and subjected to debts.
• Additional Death Benefits - Should death occur due to accident, an ADDITIONAL 200% of the sum covered will be paid (if occurs within Malaysia, Singapore or Brunei¹) and 300% of the sum covered will be paid (if occurs in other countries).
• Total Permanent Disability Long Term Care Benefit². An ADDITIONAL 6% of the sum covered will be payable yearly for up to 5 years³, on top the Total Permanent Disability (TPD) claim.
• No medical examination⁴ - Waived if your sum covered is RM4,000,000 or below.
• Contribute back to society - With Waqaf Benefit⁵, a donation to a Waqaf body will be made upon death or Total Permanent Disability (TPD).

¹Covers up 6 consecutive months. If accidential death occurs after 6 consecutive months, only an additional 200% of the sum covered is payable.

²Subject to TPD prior to age 70, and maximum of RM2,000,000 per life per industry.

³Upon death within the 5 years of TPD claims, remaider of additional fixed cash payout will be paid in full.

⁴Subject to your health condition and age.

⁵With additional rider coverage.

Age: 17 years old and above

Note: You can choose your coverage term up to either 70, 80, 90 and 100 years old, and choose your contribution tenure from 5, 10, 15, 20 years or full duration of your coverage

Click here to view Smart Waris Brochure (ENG)

Click here to view Smart Waris Brochure (BM)

Click here to view Smart Waris PDS (ENG)

Click here to view Smart Waris PDS (BM)

Click here to view Critical Illness Rates (ENG)

Click here to view Critical Illness Rates (BM)

The benefit(s) payable under eligible certificate/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa Family Takaful Berhad or PIDM (visit www.pidm.gov.my).