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TAKAFUL FOR YOU & YOUR FAMILY

Understand Your Cover.
Plan for Your Family.

Already have takaful, or thinking about your first plan? Let's talk about what you need, what you already have and a budget you're comfortable with.

Let's Talk About My NeedsMessage Faizal

Medical Card

Understand which hospital bills may be covered and what you may still need to pay.

Takaful Hibah

Talk through the financial support you want to leave for your loved ones.

Critical Illness

Explore a cash buffer for everyday expenses during treatment and recovery.

Savings & Education

Start planning for your savings goals and your children's education at a pace you can afford.

A FEW THINGS WORTH THINKING ABOUT

Life Can Change. The Bills Keep Coming.

RM1,000

An emergency fund isn't something everyone has

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

Bank Negara Malaysia, 2 Oct 2025 ↗
+73%

Medical claims costs are rising

Total MHIT claims costs rose 73% between 2021–2023, compared with premium growth of 21% over the same period.

BNM Annual Report 2024 ↗
67.2%

Everyday needs take up a large share of the budget

Four main groups, housing, food, restaurants and transport, made up 67.2% of household consumption expenditure in 2024.

DOSM, Household Expenditure Survey 2024 ↗
RM2,690

Monthly expenses don't stop at retirement

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

EPF, Belanjawanku 2024/2025 ↗
36%

Many members haven't reached Basic Savings

As of October 2024, about 36% of active EPF members in the formal sector met the age-based Basic Savings level in place at the time.

EPF, December 2024 ↗
115k+

More attention is going to family protection

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

START WITH WHERE YOU ARE TODAY

Life Changes. Your Needs Do Too.

Starting work, raising a family or buying a home? Let's understand your situation before looking at plans.

Ask Faizal

Individuals

New to takaful? Let's start with your commitments and budget.

Breadwinners

Does someone depend on your income? Let's talk about the support they may need.

Young families

Plan ahead for your family's healthcare and your children's education.

Homeowners

Review your outstanding home financing and any cover you already have.

WHAT WOULD YOU LIKE TO PREPARE FOR?

Start with what matters to you

Choose the concern that's on your mind. Not sure where to start? You can ask Faizal first.

2solutions to explore

01
3D illustration for Debt Protection

Debt Protection

Explore a fund that could reduce or settle selected debts if a covered event happens.

“It's worth planning for the commitments your family may have to manage.”
What this could look like

Outstanding personal financing, car financing and other debts may still affect the estate and family if the breadwinner dies or becomes disabled.

How it helps & what to check +
WHAT TO KEEP IN MIND

Debt doesn't automatically disappear when someone dies. What happens next depends on the contract, any joint borrowers or guarantors, and the estate process.

HOW IT CAN HELP

What could it help with?

You can compare selected outstanding debts with a suitable cover amount. An eligible payout may help reduce or settle those commitments.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

Debt payments may leave less room in your budget when your income or health is affected.

Your partner

A joint borrower or guarantor may need to keep paying under the financing agreement.

Your children

Family spending may have to be cut if much of the income goes towards debt payments.

Heirs / guardians

Handling the estate may become more complicated. Assets may need to be used to settle valid debt claims.

THINK OF IT THIS WAY

Think of a heavy anchor on a boat. Planning ahead may help reduce the weight your family has to manage.

ILLUSTRATIVE EXAMPLE

Farid has RM120,000 left on personal and car financing. Cover planned around that balance could help his family manage the debt if a covered event happens. This is a fictional example.

Who might find this useful?

People with personal, car or business financing, or other debt commitments.

What should we talk through?

Which debts do you want to cover? What is the actual balance, and do they already have protection?

Explore this type of cover (BM) Ask Faizal on WhatsApp
02
3D illustration for Home Financing Protection / MRTT

Home Financing Protection / MRTT

Review the cover for your outstanding home financing so you know what support may be available if a covered event happens.

“A family home also comes with instalments worth planning for.”
What this could look like

If a borrower dies or becomes totally and permanently disabled, their partner may have to keep paying the home instalments on one income.

How it helps & what to check +
WHAT TO KEEP IN MIND

MRTT cover usually reduces over time. Compare it with the actual outstanding financing from time to time.

HOW IT CAN HELP

What could it help with?

It typically provides reducing cover over the financing term. An eligible benefit may help settle the outstanding home financing if a covered event happens.

IF THERE ISN'T A PLAN IN PLACE

What could this mean for your family?

You

If your partner can no longer contribute, you may have to pay the home instalments on your own.

Your partner

Your partner may face difficult choices about keeping, refinancing or selling the home.

Your children

Your children's home, school arrangements and family routines may be disrupted.

Heirs / guardians

Outstanding home financing may need to be addressed before the estate process can be completed.

THINK OF IT THIS WAY

Think of an extra layer of cover for the home financing if something happens to the main borrower.

ILLUSTRATIVE EXAMPLE

Hakim and Nadia buy a home with 30-year financing. If Hakim, the main borrower, experiences a covered event, suitable MRTT may help reduce or settle the outstanding financing. This is a fictional example.

Who might find this useful?

Homebuyers and homeowners with outstanding home financing.

What should we talk through?

Do the MRTT amount and term match your financing? Who is covered, and which events qualify?

Explore this type of cover (BM) Ask Faizal on WhatsApp

These are general planning principles. The examples are fictional and help explain the ideas; they do not predict outcomes or promise payouts. Actual cover depends on the product, certificate terms, covered event and eligibility assessment.

SIMPLE BUDGET CALCULATOR

What Monthly Budget Feels Comfortable?

Adjust your age and budget to get a rough picture of the commitment. This simple calculation isn't a quote or confirmation of eligibility.

TRY THE NUMBERS

Monthly contribution budget

Choose an amount you feel you could keep paying. This figure doesn't tell you what benefits you would receive.

Illustrative total contributions to age 60RM 75,000RM 250 × 12 × 25 years. This is the total contribution amount for comparing budget commitments. It is not a benefit amount or investment return.
Explore the full calculators & summary →
Karikatur Faizal Ahmad, consultant takaful

Meet Faizal Ahmad

Want to understand your cover but not sure where to start? Tell me what you’d like to know. We’ll start with your questions, then discuss the information needed to understand the options relevant to you.

Start with
your questionsUnderstand
the informationDiscuss
relevant options
Message Faizal
“You don't need to know every takaful term to ask a question. Let's take it one step at a time.”
Faizal AhmadTakaful Consultant

COMMON QUESTIONS

You Might Be Wondering…

These answers are a general guide. For your own plan, we need to check the details and certificate terms.

What should I do if I need to go into hospital?+

The process depends on the hospital, panel arrangements, guarantee letter and certificate terms. If circumstances allow, contact your operator or consultant beforehand.

I already have a plan. Can I add or change my cover?+

That depends on the product, your age, health, underwriting and current terms. Review your existing cover before making changes.

Are all illnesses and treatments covered?+

Not always. Every certificate has its own benefit definitions, exclusions, waiting periods, limits and claim conditions.

How do I work out how much cover I need?+

Start with your family's spending, debts, dependants and existing cover. Then consider how long support may be needed and a budget you can keep paying.

START WITH ONE MESSAGE

What's On Your Mind?

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Faizal Ahmad | Takaful Consultation for You & Your Family