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PROTECTION FOR EVERYONE

Understand Risk.
Protect Your Future.

“Protecting together, building a more secure life for you and your family.”

Review My NeedsWhatsApp Faizal

Medical Card

Access eligible treatment at private hospitals.

Family Protection

Protect the financial future of those you love.

Critical Illness

Financial support during a difficult diagnosis.

Savings & Education

Plan ahead for your children’s future.

FINANCIAL REALITIES

Protection Gives You Room to Make Decisions

RM1,000

Emergency savings remain a challenge

BNM reported that only 58% of Malaysians actively save for the future, while many cannot cover a RM1,000 emergency.

Bank Negara Malaysia, 2 Oct 2025 ↗
+73%

Medical claim costs are rising quickly

Total MHIT claim costs rose 73% between 2021 and 2023, compared with 21% premium growth during the same period.

BNM Annual Report 2024 ↗
RM2,690

Retirement living costs need planning

Belanjawanku 2024/2025 estimates that a single senior in the Klang Valley needs RM2,690 a month for a reasonable standard of living.

EPF, Belanjawanku 2024/2025 ↗
36%

Many members had not reached basic savings

As of October 2024, about 36% of active formal-sector EPF members met the then-current age-based Basic Savings level.

EPF, December 2024 ↗
115k+

Family protection is gaining attention

More than 115,000 members used i-Lindung Phase 2 to extend life or critical illness protection to immediate family members in 2024.

EPF Annual Report 2024 ↗
01 / 10

BY LIFE STAGE

Your Needs Change as Life Changes

A good review begins with your situation today, before selecting a product.

Talk to Faizal

Individual

Start with protection that fits your current commitments.

Breadwinner

Protect the income that supports your family.

Young family

Organise healthcare and your children’s future needs.

Homeowner

Review outstanding debt and housing continuity.

MEANINGFUL OPTIONS

Solutions for your priorities

Start with the risk that feels closest to your family today.

8 solutions to explore

01
3D financial planning illustration for Income Protection

Income Protection

Provide temporary funds so your family has financial breathing room if the breadwinner faces a covered event.

“Income may stop, but family responsibilities continue.”
COMMON PROBLEM

Food, housing, school fees and monthly bills continue when the main income ends.

View facts, purpose, impact & example +
IMPORTANT FACT

A meaningful target considers family expenses, the support period and existing protection.

PURPOSE

Provide beneficiaries with funds to continue essential commitments for a planned period.

IMPACT WITHOUT PREPARATION
Self

Financial pressure while health and working ability are affected.

Spouse

A spouse may need to run the home on one income.

Children

Daily needs and education plans may be reduced.

Heirs / guardian

Estate assets may be used for continuing commitments.

SIMPLE ANALOGY

Like a reserve water tank that supplies the family when the main flow is interrupted.

EXAMPLE SCENARIO

A family spending RM4,000 monthly plans ten years of support and deducts existing life protection.

Discuss this solution
02
3D financial planning illustration for Medical Card

Medical Card

Help with eligible hospital and treatment costs so family savings are less exposed to a sudden bill.

“In hospital, your focus should be recovery—not panic over the bill.”
COMMON PROBLEM

Hospital bills can arrive without warning, while employer cover may have limits or end with employment.

View facts, purpose, impact & example +
IMPORTANT FACT

Annual limit is only one measure. Review deductible, co-takaful, room limit, waiting periods and exclusions.

PURPOSE

Help pay eligible hospital treatment according to the certificate limits and terms.

IMPACT WITHOUT PREPARATION
Self

Savings may fall quickly or treatment choices may be delayed.

Spouse

A spouse may need to fund bills and take time off.

Children

Household and education budgets may be redirected.

Heirs / guardian

Family may need to manage outstanding medical bills.

SIMPLE ANALOGY

Like an umbrella: it reduces exposure, but you still need to understand its size and coverage.

EXAMPLE SCENARIO

A patient admitted for appendicitis checks the eligible bill, deductible and co-takaful under the certificate.

Discuss this solution
03
3D financial planning illustration for Critical Illness Plan

Critical Illness Plan

Provide cash for living and recovery needs after a diagnosis that meets a covered definition.

“Treatment supports health; a recovery fund helps life keep moving.”
COMMON PROBLEM

A medical card may address eligible treatment, while housing, food, childcare and lost income continue.

View facts, purpose, impact & example +
IMPORTANT FACT

Critical illness benefits generally depend on the covered disease definition and stage stated in the certificate.

PURPOSE

Provide a lump-sum benefit for living costs, recovery needs or income replacement when a valid claim is met.

IMPACT WITHOUT PREPARATION
Self

Recovery becomes more stressful when income falls.

Spouse

A spouse may become caregiver and main earner.

Children

Children’s routines and plans may change.

Heirs / guardian

Family assets may be used earlier than planned.

SIMPLE ANALOGY

A financial bridge between diagnosis and the day you can return to work.

EXAMPLE SCENARIO

Someone taking six months off after cancer treatment uses an eligible benefit to support household commitments.

Discuss this solution
04
3D financial planning illustration for Debt Cancellation

Debt Cancellation

Prepare funds to settle or reduce selected debts after a covered event.

“Do not let today’s commitments become tomorrow’s family burden.”
COMMON PROBLEM

Personal, vehicle or business financing may remain a valid claim against the estate or other liable parties.

View facts, purpose, impact & example +
IMPORTANT FACT

Debt does not automatically disappear after death; the contract, joint borrower, guarantor and estate process matter.

PURPOSE

Match protection with selected settlement balances so the benefit can reduce those commitments.

IMPACT WITHOUT PREPARATION
Self

Debt can restrict choices when income is affected.

Spouse

A joint borrower or guarantor may need to continue payments.

Children

More household income may be diverted to repayments.

Heirs / guardian

Estate administration may become more complex.

SIMPLE ANALOGY

Like releasing an anchor so the family is not held back by an old obligation.

EXAMPLE SCENARIO

A borrower with RM120,000 of selected balances plans protection using the actual settlement amounts.

Discuss this solution
05
3D financial planning illustration for MRTT Plan

MRTT Plan

Protect the outstanding home financing so the family has a better chance of keeping its home.

“A family home should remain shelter, not a crushing commitment.”
COMMON PROBLEM

A spouse may need to continue a long home financing commitment with one income.

View facts, purpose, impact & example +
IMPORTANT FACT

MRTT protection commonly reduces over time and should be compared with the latest financing balance.

PURPOSE

Provide reducing-term protection intended to help settle covered home financing after an eligible event.

IMPACT WITHOUT PREPARATION
Self

You may need to carry the instalment alone.

Spouse

A spouse may need to refinance or sell.

Children

Housing and school routines may be disrupted.

Heirs / guardian

The financing may need settlement before estate distribution.

SIMPLE ANALOGY

A second roof over the home that helps protect ownership when the main borrower is affected.

EXAMPLE SCENARIO

Joint homeowners compare the remaining MRTT amount with their current financing balance and ownership shares.

Discuss this solution
06
3D financial planning illustration for Retirement Plan

Retirement Plan

Build funds gradually for life after employment income ends.

“Retirement begins when the monthly salary stops.”
COMMON PROBLEM

Food, housing, healthcare and lifestyle costs continue and can rise with inflation after retirement.

View facts, purpose, impact & example +
IMPORTANT FACT

A longer preparation period provides more time to build funds, while inflation raises future living costs.

PURPOSE

Set a retirement target and save consistently according to time, affordability and suitable risk.

IMPACT WITHOUT PREPARATION
Self

You may work longer or reduce your lifestyle.

Spouse

Joint savings may not support both spouses.

Children

Children may need to fund their parents.

Heirs / guardian

Assets intended for heirs may be spent in retirement.

SIMPLE ANALOGY

Like planting a tree: regular care needs time before it provides shade.

EXAMPLE SCENARIO

A 35-year-old estimates expenses from age 60 to 85, adjusts for inflation and compares current savings.

Discuss this solution
07
3D financial planning illustration for Education Plan

Education Plan

Build an education fund early so a large future cost does not arrive all at once.

“A child’s dream has a date; preparation must begin before it arrives.”
COMMON PROBLEM

Tuition, accommodation and living costs can become difficult when saving starts close to enrolment.

View facts, purpose, impact & example +
IMPORTANT FACT

The required amount changes with the target cost, existing savings, inflation and remaining time.

PURPOSE

Set an education goal and build funds regularly within the family’s means.

IMPACT WITHOUT PREPARATION
Self

Parents may use other savings or add debt.

Spouse

A spouse may need to change family goals.

Children

A child may delay study or rely on loans.

Heirs / guardian

A guardian may struggle to continue the goal.

SIMPLE ANALOGY

Building a staircase one step at a time until a child can reach a higher opportunity.

EXAMPLE SCENARIO

Parents of a five-year-old estimate a university goal 13 years away and calculate a monthly saving target.

Discuss this solution
08
3D financial planning illustration for Saving Plan

Saving Plan

Develop disciplined savings for a financial goal with a clear amount and date.

“A goal with a number and date is easier to turn into action.”
COMMON PROBLEM

Savings are easily redirected when there is no dedicated goal, schedule or account.

View facts, purpose, impact & example +
IMPORTANT FACT

The goal, time and current savings determine the amount needed; future values and returns are not guaranteed.

PURPOSE

Build funds consistently for goals such as a home deposit, wedding or future capital.

IMPACT WITHOUT PREPARATION
Self

The goal may be delayed or funded with debt.

Spouse

Shared plans may require added sacrifice.

Children

Future family opportunities may narrow.

Heirs / guardian

Less emergency money may remain for heirs.

SIMPLE ANALOGY

Filling a jar one drop at a time—consistency makes a large target manageable.

EXAMPLE SCENARIO

Someone planning RM30,000 for a home deposit in five years calculates the monthly amount and reviews progress.

Discuss this solution

These facts are general planning principles. Actual protection depends on the product, certificate terms, covered events and eligibility assessment.

QUICK CALCULATOR

See What Fits Your Budget

Use this initial estimate as a starting point. The calculator does not determine plan benefits or approval.

STARTER SIMULATION

Estimated monthly contribution

Use your age and budget to start the conversation. This does not estimate product benefits.

Contribution view until age 60RM 75,000RM 250 × 12 × 25 years. This is a gross contribution total for affordability comparison, not a benefit or return value.
Open calculator and scoring report →
Caricature of Faizal Ahmad, takaful consultant

Meet Your Consultant

I’m Faizal Ahmad, a takaful consultant helping Malaysian families understand protection options clearly and according to their needs.

Review based on
needs and budgetAn honest and
clear approachConsistent
follow-up service
WhatsApp Faizal
“Protection is more than a policy. It is about love, responsibility and a better future.”
Faizal AhmadTakaful Consultant

FREQUENTLY ASKED QUESTIONS

Clear Answers Before You Begin

For answers about a specific product or certificate, arrange a direct review with your consultant.

How does hospital admission work?+

The process depends on the hospital, panel, guarantee letter and certificate terms. Contact the operator or consultant early when possible.

Can I upgrade my existing plan?+

Options depend on the product, age, health, underwriting and current terms. Review existing protection before making changes.

Are all diseases and treatments covered?+

Not necessarily. Every certificate has benefit definitions, exclusions, waiting periods, limits and claim conditions.

How should I determine my protection amount?+

Start with family expenses, debts, dependants, current protection, the required support period and a budget you can sustain.

NEXT STEP

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Faizal Ahmad | Takaful Consultation for You & Your Family