Our Products & Services
We are dedicated to assist and provide monetary solution through holistic Shariah Financial Plan
for every client. We educate and empower clients to confidently achieve financial freedom, the shariah way.
We are dedicated to assist and provide monetary solution through holistic Shariah Financial Plan
for every client. We educate and empower clients to confidently achieve financial freedom, the shariah way.
Give your loved ones, the protection they need with Takaful Ikhlas life insurance plans.
Takaful Ikhlas investment plans give the best for you. We help ensure your money work hard.
We are with you all the way to make important Wealth Distribution strategies for a peaceful growth journey.
IKHLAS was designed with you in mind – a product that should always be there with you and your loved ones throughout your life. Let us help you be prepared for the uncertainties so you can live your life to the fullest.
In AFG, we simplified the protection checklist we called A.I.D.M.E. A stand for accidental protection, I for income protection, D for debt protection, M for medical protection inclusive of 3 elements which is medical card, 36 Critical Ilness Rider & Hospital Allowance, and E for Education plan.
Under Protection Category, there are 5 types of products, AIDME:
A product that provides a group of people (e.g. employee/ workers/ members) with twenty-four (24) hours protection against bodily injury caused by accidental means.
A plan that you will benefit from accident cover, medical expenses, and cash allowance for each day you are hospitalised to compensate you for your potential loss of income.
Debt protection is a plan to cancel or suspend all or part of the obligation to repay a loan due to specified events, such as death, disability and involuntary unemployment.
A plan specified to cover 36 critical illnesses.
A plan that helps build an education fund while providing death and permanent disability benefits.
We offer discretionary portfolio mandates for investments in Shariah-compliant equity, sukuk and Islamic money market instruments, or a combination of the any of the three asset classes as required by clients.
Under Investment category, there are 4 types of products, CARE:
This investment-cum-protection vehicle enables you to pool your money
with other investors while leaving the fund management in the hands of
professional and experienced fund managers to achieve generally better
results than you might expect to achieve on your own.
It is an investment strategy of spreading out your stocks or funds purchase, buying at regular intervals and in roughly equal amounts. When done properly, it can have significant benefits for your portfolio.
This is a long-term takaful plan which provides takaful coverage and savings for retirement effectively so that you can enjoy a comfortable life in the future without being burdened with financial problems.
It is a plan that provides capital preservation over the
short to medium term period by investing primarily in the
Malaysian Shariah-compliant fixed income securities and
money market instruments.
To provide the most innovative and shariah compliance inheritance solutions to all Muslims
In AFG, our aim is to spread the understanding and importance of basic mawarith term including Faraid, wasiyyah, hibah, waqaf and etc amongst malay Muslim community in Malaysia.
Under Distribution category, there are 4 types to simplified, FWHW:
Faraid is a concept in Islamic Law, which determines the distribution of a deceased’s property to heirs in portions as set out in Al-Quran, As-Sunnah and Al-’Ijma.
Here us an Islamic product combining Amanah Raya’s Islamic Will and Takaful Ikhlas’s Immediate Death Expenses Takaful. With this product, a participant would be assured that asset distribution to the loved ones or beneficiary is executed in accordance to the terms bequeathed when the time comes.
The participant will make a hibah to his beneficiary (eg. child, wife) to finance the cost of his future.
IWE is complimentary to individual participants of Takaful IKHLAS’ general products,
subject to certain terms and conditions.
The origin of Islamic Financial planning is a bridge between dunia & akhirat
In AFG, we shared the concept of W.H.A.T.Z. in our module. W stand for importance of Waqf, H for Hajj planning, A for avoid Riba elements in all of our financial system, T for habit of Tabarru’ (Donation), and Z for understanding of both Zakat Fitrah and property alms (Zakat harta)
Under Eternal category, there are 5 types of products, WHATZ:
Tabarru’ means a form of sincere donation given to a party without expecting any kind of exchange or return from the party. It is considered as a unilateral contract which only requires one party to express the contribution without requiring any kind of exchange. In takaful, anyone who participates in any of its products whether family takaful products or general takaful products will allocate certain or whole amount of his contribution into a fund. The fund is named as the Risk Fund to gather the collected tabarru’ made by participants. The purpose of the fund is as the aid to any participants facing calamity.
Zakat is managed properly with Takaful Ikhlas, one does not have to worry. Our investment team has taken this into consideration before announcing investment returns.
Upon sign-up or renewal of your participation in Takaful IKHLAS
certificates, we provide you with a complimentary IWE
benefit whereby a sum of money will be channeled as waqf or endowment under the
participant’s name, in the event of an accidental death.
This plan provides range of benefits such as :- Personal Accident benefit, Travel Inconvenience benefit i.e. Trip Cancellation, Curtailment, Baggage and other travel related benefits.
The Takaful system is free from elements of Gharar (uncertainty), Riba (usury) and Maisir (gambling). The absence of Gharar simply means that the Takaful system is transparent and does not hide any material facts or contain evil motives behind its transactions.
Since day one, we have collected numerous testimonials about our products and services. These are our true testimonials from our clients all over Malaysia.
Since day one, we have collected numerous testimonials about our products and services. These are our true testimonials from our clients all over Malaysia.
Perkongsian pengalaman dr Puan Maya Malina, yg mendaftar Medical Card sekeluarga (6 org) dlm Plan Takaful Ikhlas yg mampu milik. Walaupun baru 5-6 bulan mendaftar, beliau telah menggunakan claim medikal card Takaful Ikhlas atas kos rawatan hospital bayinya yg baru lahir.
Perkongsian dari En. Kamaruzzaman terhadap servis Puan Yan melebihi 10 tahun, melibatkan beberapa claim iaitu claim elaun hospital dan claim Anugerah Kecemerlangan. Terkini pada tahun 2020, Consultant di Al Faisal Group telah upgrade servis mereka kepada One Stop Center for Islamic Financial Solution (melibatkan Takaful, Islamic Unit Trust & Wasiat).
Perkongsian dari seorang pelanggan Takaful Ikhlas sejak tahun 2009. Beliau melihat ejen Al Faisal Group (seperti Pn Yan) semakin berkembang di dalam industri kewangan islam. (Takaful, Islamic Unit Trust, Wasiat).
Pengalaman dr Pn Zalika (pihak hospital tersilap menberikan butiran laporan kesihatan pelanggan). Pelanggan start mencarum Takaful pd 2017, dan ketika 2018 beliau di diagnos jantung & ingin claim, tetapi hospital menyatakan seolah2 beliau mengidap Asma sebelum mengambil Takaful (iaitu 2017).
