What is meant by surplus sharing?

You are entitled to a share of the surplus (if any) as long as you haven’t made any claim during the Takaful period. The surplus will be allocated to you by providing a rebate to you when you renew your coverage. The basis of the rebate will be determined by PruBSN Takaful in an equitable way. At the end of each financial year, if there is an investment profit, this will be shared between the participant and the company at a 70:30 ratio respectively. Important: This brochure is a brief description only. For exact details of terms and conditions, please refer to your certificate document.