LOVED ONES
Your love, their provision.
Provide cash benefits for loved ones when you are gone. Help them continue daily life, support your children and meet financial commitments.
Your family needs money first.
There may be assets, but your family may not be able to use them while estate matters are being settled. Meanwhile, groceries, household bills and children’s needs continue.
Hibah takaful provides cash benefits to the named conditional hibah recipient without waiting for estate distribution.
Original visuals in Bahasa Melayu. English explanations are provided on this page.
Estate matters can take months.
According to JKPTG, small-estate distribution takes 4–6 months from the application date. It may take longer where offices face high application volumes and backlogs.
Our experience: payment within two weeks.
Some hibah takaful claims we handled were paid within two weeks. Payment time depends on complete documents and claim assessment.
Daily expenses
Cover food, bills and household expenses.
Children’s needs
Continue schooling, childcare and growing-up needs.
Family commitments
Manage home, car and other ongoing payments.
How much would you like to leave for them?
Start with your circumstances. Change the figures to see an estimate.
Calculation & assumptions
Living expense illustration only. Debts, education, assets and existing protection will be discussed separately.
Understand hibah planning.
Ongoing commitments
List your home, car, business financing and other commitments. Children do not automatically inherit all personal debts; estate matters, debts and nominations need to be understood in context.
Nominees & conditional hibah
Check the nomination type and recipient with the operator. Do not assume all nominations have the same effect. Seek appropriate advice for complex estate matters.
Amount, duration & recipients
Consider dependants, assets, debts, existing protection and affordability. Review when you marry, have children or take on new commitments.
Plan hibah around your family’s circumstances.
Share your plans and budget. We will help review what is already available and what still needs to be built.
Start assessmentTurn your plans into protection.
Plan today, for their tomorrow.
Unsure how much hibah to arrange or whom to nominate? We help you plan based on your family’s needs and your affordability.
Discuss my hibah on WhatsAppOnline or in-person consultations in Kuala Lumpur & Selangor, by appointment.