Income Replacement Plan
Why do you need it?
It can assist you in continuing your life in the event of permanent disability or critical illness, and support your family in maintaining their livelihood should you, as the primary breadwinner, pass away.
Financial Protection for Your Family
If you, as the breadwinner of the family, were to experience a death or permanent disability, your family's income could be seriously affected. This plan will provide financial compensation to the surviving family members, helping them maintain their quality of life and meet daily needs such as bill payments, children's education expenses, and other daily expenses.
Avoiding Debt Burden to Family
Without it, your family may have to rely on loans or deplete their savings to get by. This could lead to a heavy debt burden, especially if there are outstanding mortgages or vehicle loans. The compensation received can be used to settle these debts, reducing the financial pressure on your family.
Family Emotional Wellbeing Care
Planning for the Future of Your Family
Protection Against Medical Costs
If you, as the breadwinner, experience a serious injury or critical illness that prevents you from working, medical expenses can be a significant burden on your family. This plan often provides compensation that can be used to cover treatment costs, recovery, and other medical expenses, helping to reduce financial stress.
Protecting Assets & Personal Property
Meeting the Needs of Your Family
Life doesn't stop even in the face of tragedy. Basic needs such as food, clothing, shelter, and education still need to be met. With the compensation from the Income Replacement Takaful Plan, families can continue their lives without having to make significant sacrifices in these essential aspects.
What is Offered?
Death or Total Permanent Disability
Whichever amount is higher between 100% of the coverage amount or the account value of the Protection Account.
Accidental death or death during Hajj or Umrah
Whichever amount is greater, whether it be 200% of the coverage amount or the account value of the Protection Account.
Accidental death while in public conveyance
Whichever is greater: 300% of the coverage amount or the account value of the Protection Account.
Accidental death due to natural disaster
Whichever is greater: 600% of the coverage amount or the account value of the Protection Account.
Estate Management Benefits
Help ease the financial burden of estate administration for your loved ones.
Rewards & Booster
Receive payments between 0.25% and 8% at specified intervals, and 4% to 16% at the end of the Protection Period, based on the Total Coverage Amount.
Hibah - A Gift for Your Loved Ones
Show your loved ones how much you care by giving them the most precious gift—peace of mind and a secure future. With Takaful hibah, you can make sure that those you cherish are fully protected, even when you're no longer around. It's not just an inheritance; it's a lasting token of your love that will support them when they need it most. Plan today, and give them a meaningful gift for tomorrow.
Hibah - A Gift for Your Loved Ones
The nomination of benefits through hibah in a Takaful plan has become a popular choice due to several advantages that make it straightforward and convenient to implement. Overall, hibah in the nomination of Takaful plan benefits is the most efficient and effective method to ensure that loved ones receive the full benefits promptly and without complications.
Simple and Easy Nomination Process
Naming a beneficiary through a hibah is simple and involves filling out a form, ensuring quick protection for your loved ones without much hassle.
Not Subject to Faraid Process
Unlike inheritance, Takaful hibah bypasses faraid laws, allowing benefits to go directly to the named recipient without legal delays or potential family disputes.
Protection Against Third-Party Claims
Hibah benefits are exclusively for the named recipient, ensuring Takaful benefits reach those in need, like your spouse or children, without interference.
Prompt Compensation Processing
Hibah allows beneficiaries to receive compensation quickly, which is crucial for families needing immediate financial support after losing a breadwinner.
Let's break it down!
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Income Replacement Plan
It's not only serves as financial security but also as a comprehensive tool for future planning for your family.
Income Replacement Plan typically offers multiple benefits such as critical illness protection, disability coverage, and death benefit. Additionally, this plan also provides flexibility in coverage amount and duration that can be customized according to your needs and financial capability. This allows you as the breadwinner to choose the most suitable plan for your financial situation and family needs.
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WHAT CUSTOMER SAY

Senior Manager
Halijah binti Hashim
"This service simplifies financial planning with tailored risk analysis and goal alignment, ensuring decisions prioritize my needs. Managing Takaful Certificate tasks is streamlined for effectiveness and efficiency, making financial navigation less intimidating and boosting my confidence in decision-making."

Beauty Product Founder
Nurul Hida binti Ahmad Fauzi
"Quick responses to all my WhatsApp messages guaranteed. Every question is addressed with factual, clear explanations, keeping me informed with the most current trends and updates in the Takaful industry."

F&B Entrepreneur
Norhafifzan bin Zahari
"As a business owner, Mr. Roslan provides me with a clear understanding of the necessary protections for my business. I now have peace of mind knowing that my hard work can be passed down to future generations. The meticulous management of all documentation is a huge relief."
Do you need help?
I'm here to assist you in comprehending the extensive range of services tailored to meet your individual/family requirements and ensure comprehensive coverage.
Phone
+6 016 440 5379
info@mryfamily.com
Location
S01-10 Level 8, Straits Quay Office Block, Jalan Seri Tanjung Pinang, 10470 Tanjung Tokong, Pulau Pinang.
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