Students who meet the requirements
Explore working with people and learning new skills. Keep your studies a priority, check age and entry requirements, and be realistic about the time you can give.
TAKAFUL CONSULTANT CAREER
Enjoy helping people?
Let’s talk takaful.
Wondering what an agent actually does? Explore the day-to-day work, how to get started and how commission works.
Let’s chat about the roleGET TO KNOW THE ROLE
It starts with a conversation.
Listen to people’s stories, help them understand their options and be there when they need support.
Faizal AhmadTakaful Consultant · Gemilang Empire
Learn one step at a time.Understand it first. Then explain it in everyday language.
Stay in touch after they sign up.Be there for questions, reviews and help with claims.
DOES IT FIT YOUR LIFE?
Exploring extra income or a new career?
Consider the opportunity alongside your time, interests and commitments. Income depends on eligible business and agency terms; it is not guaranteed.
Employees exploring extra income
Discuss working part-time or moving into a full-time role. Check your employer’s and agency’s arrangements before planning training and client appointments.
Homemakers ready for a new chapter
Explore learning and earning opportunities around family commitments. Set aside time for training, follow-ups and looking after clients.
People building a long-term career
Develop communication skills, confidence and professional relationships. As your experience and performance grow, explore opportunities to mentor a team.
Flexibility still takes commitment.
You can discuss your schedule, but training, appointments and client responsibilities still need your time. The work also offers a chance to help families understand their protection options.
KNOW YOURSELF
Does any of this sound like you?
You enjoy listening
You don’t have to do all the talking. Listening and asking good questions matter too.
You’re happy to learn
There’s plenty to pick up. Stay curious and ask when you’re unsure.
You follow through
Keep your promises, answer questions and don’t leave clients waiting.
You care about people
Get to know their needs and budget before suggesting a plan.
FIND YOUR FIT
There’s more than one way to get involved.
Enjoy helping clients, introducing new people or guiding a team? Get to know what each role involves first.
01
TAKAFUL AGENT
Help people understand the protection they need.
- Examination and formal appointment required
- Conduct consultation and sales
- Earn commission on eligible business
FLEXIBLE OPTION
02
AGENT RECRUITER
Know someone who might be a good fit? Help them explore the role.
0Takaful examinations
and personal sales*
and personal sales*
- Focus on finding and introducing candidates
- No takaful plan sales required
- Incentive or commission for recruits who meet the criteria
03
AGENCY DIRECTOR
Enjoy guiding others? Explore building a team.
- Recruit, train and mentor agents
- Manage performance and team culture
- Subject to targets and appointment criteria
*Agent Recruiter scope: The no-examination and no-sales description applies when you only introduce candidates and do not perform agent activities. You may not explain, recommend or solicit participation in a plan until formally appointed and registered as an agent. Recruit eligibility, rates, payment timing and use of the term “commission” are subject to the ALC’s current written terms.
BASIC REQUIREMENTS
Thinking of starting? Here’s what you’ll need.
These are the basics for new Family Takaful agents. We’ll check your eligibility and the latest requirements together before you start.
At least 18 years old
An appointed agent must meet the required minimum age.
Pass the Takaful Basic Examination (TBE)
TBE is the relevant entry qualification for prospective takaful agents.
Meet fit and proper criteria
The operator assesses integrity, reputation, competency, capability and financial integrity.
Be formally appointed and registered
Appointment by an operator and MTA registration are required before soliciting business.
Complete the additional qualification
A new Family Takaful agent must obtain the relevant Module 2 qualification, or a recognised equivalent, within the applicable period.
Commit to continuous training
New and existing agents must complete training or CPD hours within the applicable period.
Official references: Bank Negara Malaysia — Professionalism of Insurance and Takaful Agents and Malaysian Takaful Association — Takaful Basic Examination. Confirm the latest requirements during the introduction session.
THE ROLE
What does an agent do day to day?
A lot of the work is listening, explaining and helping clients with the paperwork. Here are three essentials.
01
Listen first
Ask about their family, commitments and what’s on their mind.
02
Make it easy to understand
Explain what’s covered, what isn’t and how much it costs.
03
Stay around after the sale
Keep in touch for questions, certificate matters and changing needs.
6-YEAR COMMISSION ESTIMATE
What could consistent sales look like over time?
Try your own targets. Explore estimated commission from month one to year six, including clients who keep contributing.
Example: 2 cases a week × 4 weeks = 8 cases a month. This estimate assumes the same monthly sales for 72 months.
How do we work this out?
Rates by certificate year: 40% → 30% → 20% → 15% → 10% → 10%. Confirmed by the site owner on 29 September 2026 for this example. Product eligibility depends on the operator’s schedule.
We assume all cases are approved, monthly contributions are paid in full and every certificate stays active. Commission starts in the sale month with no payment delays. Rates change every 12 months of each certificate’s age.
Bonuses, overrides, operating costs, tax and clawbacks are excluded. These are gross commission estimates, not take-home income or guaranteed payments.
Estimated gross commission over 72 monthsRM 898,944
Based on when each group of clients joins and the age of their certificates.
First monthRM 512
Month 12RM 6,144
First-year totalRM 39,936
Annual new-business ACE*RM 184,320
The RM 5,000 monthly goal is first reached in month 10 in this estimate.
MONTH BY MONTH
Gross commission each month
Each point shows one month’s commission, from month 1 to 72. Move the slider to explore the exact amounts.
Dashed line: RM 5,000 / month.
Month 12RM 6,144
Up RM 512 from the previous month.
YEAR BY YEAR
Total gross commission per year
Each bar adds up the 12 months in that year. It is the annual total, not the running total since you started.
The charts update with your inputs above. Growth assumes steady new sales and every client continuing to pay. Actual commission can fall if sales or payments decrease.
| Year | Annual total | Monthly average | Final month of the year |
|---|---|---|---|
| 1 | RM 39,936 | RM 3,328 | RM 6,144 |
| 2 | RM 103,680 | RM 8,640 | RM 10,752 |
| 3 | RM 148,992 | RM 12,416 | RM 13,824 |
| 4 | RM 180,864 | RM 15,072 | RM 16,128 |
| 5 | RM 203,520 | RM 16,960 | RM 17,664 |
| 6 | RM 221,952 | RM 18,496 | RM 19,200 |
Explore the first 12 months
| Month | New cases | Gross commission this month |
|---|---|---|
| 1 | 8 | RM 512 |
| 2 | 8 | RM 1,024 |
| 3 | 8 | RM 1,536 |
| 4 | 8 | RM 2,048 |
| 5 | 8 | RM 2,560 |
| 6 | 8 | RM 3,072 |
| 7 | 8 | RM 3,584 |
| 8 | 8 | RM 4,096 |
| 9 | 8 | RM 4,608 |
| 10 | 8 | RM 5,120 |
| 11 | 8 | RM 5,632 |
| 12 | 8 | RM 6,144 |
Why does this differ from the annual illustration?
The annual illustration multiplies annual new-business ACE by the commission rates. It gives RM 73,728 in year one and RM 1,004,544 over six years. It counts a full year of commission for each year’s sales group without adjusting for the month each sale starts.
This calculator accounts for clients joining gradually. A December client contributes only one month of commission in that first calendar year. The monthly calculation therefore gives RM 39,936 in year one and RM 898,944 within 72 months. Some commission from later sales falls after month 72 and is not included.
*Here, ACE means monthly contribution per case × 12 × new cases per year, as in the example. It is not commission or cash received that year. Check the commission basis, rates, client retention conditions and payment timing with the operator. The calculator does not save your inputs.
TARGET SIMULATION
Got a goal? Let’s work out the activity.
Try changing the numbers below to estimate the sales and appointments you might need.
Monthly target based on your inputs10 cases
New annual contribution targetRM 24,000
Estimated appointments required40
Illustrative gross commission / caseRM 600
Target gross incomeRM 6,000
RM 6,000 ÷ (RM 2,400 × 25%) = 10 cases
Let’s chat about getting startedMathematical simulation only. Commission rates, sales definitions, persistency, clawback, bonuses, operating costs and tax depend on the product and agency rules. Income is not guaranteed.
CAREER JOURNEY
From “I’m curious” to your first steps.
You don’t need to figure everything out at once. Here’s a look at the journey, one step at a time.
Let’s get acquainted
Ask about the work, commission and what’s expected of you.
Check what you’ll need
Get your documents ready and check the entry requirements.
Examination & training
Learn takaful fundamentals and pass the required examination.
Formal appointment
Complete the agency contract and registration before serving clients.
First 90 days
Begin field training, prospecting and guided consultation sessions.
Keep learning and growing
Build a client portfolio, skills and a potential leadership path.
Clients want to know they can count on you.Earn their trust with honest explanations and support after they join.
This illustration is a general guide. The actual sequence, duration, training, targets and development depend on the agency and operator.
AGENCY LEADER CORPORATION
It helps to have people learning alongside you.
Get to know how an ALC team shares experience, learns together and supports agents in their daily work.
ALC
Learn. Try. Ask. Repeat.Build experience with your team, one step at a time.
01
A little direction to get started
Follow orientation, foundational training and field guidance so you know your next step.
02
Ask people who’ve been there
Receive guidance from leaders and peers who have already experienced the career-building process.
03
People to share the journey with
Meet new people, share ideas and learn from teammates’ experience. Build professional relationships through mutual support.
04
Learn as you go
Learn in stages, from product fundamentals to communication, consultation, client service and leadership. Check the training schedule with the team.
05
Help others when you’re ready
When ready, expand your impact by recruiting, developing and mentoring new agents.
06
Explore what comes next
Build a performance record, working culture and the ability to lead an agency organisation.
WITH GEMILANG EMPIRE
Come and meet the team.
Ask about training, support and how the team works. Take the time to see if it feels right for you.
An ALC is a registered corporate agency structure within the takaful ecosystem. Information on the Gemilang Empire network and activities is referenced from the official Gemilang Empire website and the MTA intermediary registration rules. Actual training, incentives, facilities, targets and progression are subject to current agency and operator terms.
LEADERSHIP PATH
Enjoy seeing other people grow?
Once you’ve built experience and a track record, you can explore mentoring new agents and leading a team.
Let’s chat about team buildingGROWTH POTENTIAL
A potential path towards Agency Director
AgentBuild your foundationMentorGuide new agentsTeam leaderDevelop team performanceAgency DirectorLead an organisation
Titles, promotion structure, targets, benefits and appointment criteria vary by agency and operator. Progression and income are not guaranteed.
QUESTIONS BEFORE STARTING
A few things you might be wondering.
Can I start without experience?+
You can explore the role first. Experience helps, but you’ll still need the required training, qualifications and appointment.
Can I do this part-time?+
Let’s look at your schedule and the agency’s arrangements. You’ll still need time for training and looking after clients.
Is income guaranteed?+
No. It depends on eligible sales, commission rates and clients continuing to pay. Work expenses and payment conditions matter too.
Are there events, trips or rewards?+
Ask about current team events, recognition and reward programmes. Participation or trips are not automatic; check each programme’s targets, eligibility, costs and written terms first.
What costs are involved?+
Ask for a written breakdown of exams, registration, training, travel and marketing costs before deciding.