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Family✦ Shariah Certified
Warisan Takaful
Takaful Ikhlas
Wasiat-inspired protection — secure your legacy the halal way
Monthly Contribution
RM 120
Sum Covered
RM 250k
Wakalah Fee
15%
Age Range
18–70 years
Benefits
✓
Death BenefitCore
Sum covered plus accumulated tabarru' surplus distributed to nominees
Up to RM 250,000
✓
TPD BenefitCore
Full sum covered upon total permanent disability
Up to RM 250,000
✓
Funeral AssistanceCore
Immediate RM5,000 cash advance for funeral expenses
Up to RM 5,000
Optional Riders
30 Critical Illness Rider+RM 45/mo
Covers 30 critical illnesses defined by medical guidelines
Coverage: RM 100,000
Disability Income Rider+RM 35/mo
Monthly income replacement if temporarily disabled
Coverage: RM 60,000
Key Exclusions
✕
Pre-existing ConditionsWaiting Period
Medical conditions existing at commencement date excluded
✕
Criminal ActivitiesPermanent
Death or disability arising from participation in criminal acts
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Claim Typetabarru
Contribution Modeannual
Surrender ValueNo
Investment FundNo
Shariah BoardShariah Committee — Takaful Ikhlas
Est. Launch2010