Your Preferred Choice for Insurance We Protect. We Care. We Share.

Transcription

1 Your Preferred Choice for Insurance We Protect. We Care. We Share. CORPORATE PROFILE

2 Syarikat Takaful Malaysia Berhad ( STMB ) was incorporated on 29 November The Company has a paid up capital of RM164.8 million with total assets of RM8.2 billion at Group level as at December In accordance to the Islamic Financial Services Act 2013 ( IFSA ), STMB separated its composite licence into two (2) licensed entities. STMB, now known as Syarikat Takaful Malaysia Keluarga Berhad ( STMKB ) will manage the Family Takaful business whilst Syarikat Takaful Malaysia Am Berhad ( STMAB ) will manage the General Takaful business. STMKB is the holding company and owns 100% of STMAB. Both STMKB and STMAB operate through a combined network of service centres across 24 locations nationwide. Vision We Mission want to be THE PREFERRED CHOICE FOR INSURANCE. We aim to exceed customers expectations through: Operational Excellence Technology Driven Capabilities Product Innovation Performance Oriented Culture Whilst delivering superior shareholder value.

3 FOREWORD FOREWORD BY THE GROUP CHIEF EXECUTIVE OFFICER Dato Sri Mohamed Hassan Kamil Being the country s pioneer in Islamic insurance, Takaful Malaysia has established into a strong company with sustainable top and bottom line growth over the years. We have achieved a sterling performance for consecutive business growth since the start of our Transformation Program in Our achievements centered on the introduction of cutting-edge products, the expansion of our distribution capabilities, utilization of new technology, implementation of investors relations program and aggressive Takaful awareness campaign initiatives. In today s highly competitive environment, we are well equipped to strengthen our foothold and increase our market share in the insurance industry. Our aim is to provide extensive insurance solutions to cater to the diverse needs of our loyal customers and business partners. With the implementation of our integrated marketing and branding initiatives, we are well on the way to position our company to outpace the market and ultimately become the preferred choice for insurance amongst all consumers. To uplift our customer service and operational to further develop customer centric value propositions and stay relevant in the ongoing digital revolution in the market. Our focus is towards tapping into the digital channels to ensure our products and services are accessible to the consumers and our business partners easily so that we can compete more competently in the liberalized market. Our corporate website and online portals offer innovative solutions to make it convenient for our customers and business partners to access for faster service. We also invested millions on cutting-edge technology to streamline our operating procedures and increase productivity environment. It is always our wish to deliver quality service and value to our customers and business partners and you may experience this via our chain of Takaful mycare Centres (TMCC) nationwide and our experienced sales personnel. We are proud to say that Takaful Malaysia is the only Takaful operator to consistently offer a 15% Cash Back to all our General Takaful customers should they make no claims during the coverage period. This is our unique proposition that distinguishes us from any players in the industry, upholding our promise of We Protect, We Care and We Share. We continue to grow our distribution channels by actively recruiting talented Corporate Agents to promote Takaful Malaysia s products whilst broadening our range of products to meet the market demand. We are leveraging on the opportunities provided by the upward trend of our way of seeking for new and better ways to serve all customers. The success story of Takaful Malaysia has created an impact on the overall outlook of the insurance industry and we have successfully set the benchmark in the insurance industry to become an epitome to our peers and competitors. At Takaful Malaysia, we are committed to upholding our brand promise to keep the present safe and the future secure for our customers. We Should Talk.

4 MODEL BUSINESS BUSINESS MODEL Takaful Malaysia s business model was founded on the requirements and practices of Shariah. It has adopted the Wakalah contract as its business model. This model allows Takaful Malaysia to employ the agency system effectively in remuneration that commensurate with the services rendered. The intermediaries also well-trained intermediaries to advise and recommend them on the various plans and settlement provisions, which will best suit their needs. Under this model, Takaful Malaysia will act as the agent to manage the Takaful fund on behalf of the participants and will be entitled to a Wakalah (Service) Fee for the services rendered. This model provides a unique concept of surplus distribution to the participants. By contributing Tabarru into the common Takaful fund, both the participant and Takaful Malaysia may be entitled to the share of fund surplus, if any. Note: Tabarru (a.k.a. cost of insurance) means a donation for the purpose of which is not commercial and is used to help other proposed participants in times of misfortune for the purpose of solidarity, brotherhood and cooperation among the proposed participants.

5 MODEL BUSINESS BUSINESS MODEL Participant 1 TAKAFUL MALAYSIA S WAKALAH MODEL TYPE A Applicable to long term family takaful plans with coverage more than one year such as investment-linked plans and mortgage protection plans. Contribution 2 (after net of Wakalah Fee) Wakalah Fee Takaful Operator Participant Account Tabarru (Donation) Qardh (Interest-free loan) Surplus Sharing Participant Risk Fund Surplus Sharing Surplus 3 1. Participant pays contribution. 2. The contribution after net of wakalah fee will be allocated into Participant Account. 3. The surplus is not guaranteed. Depending on the products, the surplus (if any) is either:- shared between the participant and Takaful Operator on a pre-determined ratio; or maintained in the Participant Risk Fund to protect against unfavourable claims experience. Participant 1 TAKAFUL MALAYSIA S WAKALAH MODEL TYPE B Applicable to short term general and family takaful plans such as yearly renewable general Contribution 2 (after net of Wakalah Fee) Wakalah Fee Takaful Operator Surplus Sharing Tabarru (Donation) Participant Risk Fund Qardh (Interest-free loan) Surplus Sharing Surplus 3 1. Participant pays contribution. 2 The contribution after net of wakalah fee will be considered as Tabarru (donation) and will be allocated into Participant Risk Fund. 3. The surplus is not guaranteed. Depending on the products, the surplus (if any) is either:- shared between the participant and Takaful Operator on a pre-determined ratio; or maintained in the Participant Risk Fund to protect against unfavourable claims experience.

6 YEARS FINANCIAL HIGHLIGHTS 5 YEARS FINANCIAL 5 HIGHLIGHTS Company General Takaful Company Group Company Group , , ,922 1,081, , , , , ,924,543 7,164,788 7,527,121 7,757, , , ,

7 CORPORATE STRUCTURE STRUCTURE CORPORATE 53.47% % SYARIKAT TAKAFUL MALAYSIA AM BERHAD ( D) 59.64% SYARIKAT TAKAFUL MALAYSIA KELUARGA BERHAD (Formerly known as Syarikat Takaful Malaysia Berhad) ( K) Subsidiary Companies 56.00% 57.24% 42.73%

8 BOARD DIRECTORS BOARD OF OF DIRECTORS SYARIKAT TAKAFUL MALAYSIA KELUARGA BERHAD Tan Sri Dato Ahmad Fuzi Haji Abdul Razak Chairman Independent Non-Executive Director Dato Othman Abdullah Senior Independent Non-Executive Director Encik Mahadzir Azizan Non-Independent Non-Executive Director Encik Zakaria Ismail Independent Non-Executive Director Encik Mohd Tarmidzi Ahmad Nordin Non-Independent Non-Executive Director Datin Sri Azlin Arshad Independent Non-Executive Director SYARIKAT TAKAFUL MALAYSIA AM BERHAD Tan Sri Dato Ahmad Fuzi Haji Abdul Razak Chairman Independent Non-Executive Director Encik Mahadzir Azizan Non-Independent Non-Executive Director

9 LIST PRODUCT LIST PRODUCT Takaful Malaysia provides two types of Takaful business; namely Family and General Takaful. Takaful Malaysia has 24 service centres nationwide with total assets of RM8.2 Billion as at 31 December 2017 at Group level. Takaful myhealth Protector Simply A Better Choice for Your Health Family Products Takaful myhealth Protector Takaful mymortgage Takaful mysme Partner Group Term Family Group Medical Family (including Group Outpatient General Practitioner Care and Group Outpatient Specialist Practitioner Care) Group Credit Family General Takaful Products All Risks Boilers and Pressure Vessels Burglary Civil Engineering Completed Risks Comprehensive General Liability - Oil and Gas Contractor s All Risks Electronic Equipment Employer s Liability Energy Equipment All Risks Erection All Risks Errors and Omissions - JMB Fidelity Guarantee Fire Fire Consequential Loss Foreign Worker Hospitalisation and Surgical Scheme Foreign Workers Compensation Foreign Workers Takaful Guarantee Group Personal Accident Houseowners & Householders Industrial All Risks Long Term Houseowners Machinery Breakdown Machinery Breakdown Marine Cargo Money Motor mypa Care Personal Accident mysme Biz Partner Plate Glass Products Liability Public Liability School Children Personal Accident Storage Tanks Takaful myclick PA Takaful mytravel Partner Workmen s Compensation

10 AWARDS & ACCOLADES AWARDS & ACCOLADES 2017 Takaful Malaysia clinched The Edge-BRC Highest Returns to Shareholders Over Three Years Gold Award for the third time, second year in a row and The Edge- BRC Highest Return on Equity Over Three Years Silver Award under the Finance sector at the prestigious annual awards presentation of The 2017 Edge Billion Ringgit Club Awards. This sterling performance is in line with our practices of pursuing the ambition to be the best as part of our continued efforts to deliver sustainable results for our shareholders Takaful Malaysia won the Best Takaful Company in Malaysia award for the fifth consecutive time at the 11 th International Takaful Summit 2017 in London. Takaful Malaysia s Board of Director, Mohd Tarmidzi Ahmad Nordin received the Best Takaful Company in Malaysia award from Max Taylor, Chairman of the Islamic Insurance Association of London. This acknowledgment continues to validate our presence in the industry as a market leader in providing innovative insurance solutions to the consumers.

11 AWARDS & ACCOLADES AWARDS & ACCOLADES 2016 Takaful Malaysia was awarded the Best Takaful Company 2016 Award at the Global Islamic Finance Awards ceremony held in Jakarta on 29 September Takaful Malaysia has been acknowledged as the most outstanding Takaful operator at the global level for our sterling performance and contributions in the Islamic financial services industry. This international accomplishment recognizes our unwavering efforts to deliver great benefits and undeniable value consistently being delivered to our stakeholders. The Global Islamic Finance Awards (GIFA) are one of the most respectable market-led awards that recognizes and celebrates success and contributions of individuals and institutions in the Islamic financial services industry Takaful Malaysia for the second time was awarded The Edge-BRC Best Performing Stock Award (Highest Returns to Shareholders Over Three Years) under the Finance sector at the prestigious annual awards presentation of The 2016 Edge Billion Ringgit Club Awards.

12 AWARDS & ACCOLADES AWARDS & ACCOLADES 2016 Takaful Malaysia was awarded the Best Takaful Company in Malaysia award for the fourth consecutive year at the International Takaful Awards 2016 held in London on 23 February At the event, Takaful Malaysia s Group Managing Director, Dato Sri Mohamed Hassan Kamil received the Best Takaful Company in Malaysia award from the President & CEO of International Centre for Education in Islamic Finance (INCEIF), Daud Vicary Abdullah. This recognition validates Takaful Malaysia s strong presence in the industry and market leader for providing extensive range of insurance solutions to suit the diverse needs of the consumers For the third consecutive year, Takaful Malaysia once again clinched the Best Takaful Company in Malaysia award at the 9th International Takaful Awards 2015 held at The Savoy Hotel, London on 17 February The award was presented by Mr. Paul Chetwynd-Talbot, Managing Director, Willis Real Estate Practice (L). The award was in recognition of the excellence dedicated to the Takaful industry at a global level and it clearly illustrates Takaful Malaysia`s strong commitment to enriching the industry to greater heights.

13 AWARDS & ACCOLADES AWARDS & ACCOLADES 2014 At The Edge Billion Ringgit Club Corporate Awards 2014, Takaful Malaysia was awarded the top three in 3 categories under the Finance Sector. The company clinched second place for the Best Performing Stock- Highest returns to shareholders over 3 years, third place for the Most equity over 3 years and third place for before tax over 3 years Takaful Malaysia once again won the Malaysia Best Takaful Company award for the second time consecutively at the 8th International Takaful Summit 2014 held in Abu Dhabi on the 25th of February Two years in a row attests to our commitment in delivering our brand promise by promoting This clearly illustrates an outstanding recognition of our efforts in positioning our brand as the preferred choice for insurance.

14 AWARDS & ACCOLADES AWARDS & ACCOLADES 2013 Takaful Malaysia was awarded the Best Performing Stock under the Finance Sector at the prestigious annual awards presentation of The Edge Billion Ringgit Club Corporate Awards Takaful Institution to have won any awards by The Edge Billion Ringgit Club (BRC) Corporate Awards. The award was presented by YAB Dato Sri Mohd Najib Tun Abdul Razak, Prime Minister of Malaysia. - September Takaful Malaysia was acclaimed as the Best Takaful Company in Malaysia at the 6th International Takaful Awards held in Cairo on 18 Feb The award was in recognition of the excellence dedicated to the Takaful industry and having demonstrated superior quality thereby distinguishing itself from its peers.

15 TAKAFUL S PORTALS TAKAFUL MALAYSIA S S MALAYSIA PORTALS To exceed customers expectations through operational excellence and technology driven capabilities, Takaful Malaysia has developed various web portals for our customers and partners. These interactive portals allow Takaful Malaysia to provide the information for customers and partners at their convenience, 24 hours a day, 7 days a week. Click for Cover The Click for Cover is an online sales portal that allows the customers to connect and transact directly with Takaful Malaysia by utilizing the e-payment facility, making it easier to navigate with just a single account. Customers can now purchase General Takaful products via this sales portal. mytakaful Customer The user friendly customer portal allows print Income Tax statements, check the payment history and also update their personal information and details as and when they require. my An innovative Corporate Portal for Clients. The portal was developed as an online one stop centre providing comprehensive self-service facilities. With just a click of the button, this portal boasts of customer friendly interfaces and what s more, any changes or data updates are incorporated timely for immediate coverage. Furthermore our corporate clients have access to wide search functionalities for all information relating to the company and their

16 TAKAFUL S PORTALS TAKAFUL MALAYSIA S S MALAYSIA PORTALS mytakaful Agent for Corporate Agents Serves as a platform for Corporate Agents to retrieve information and announcements in relation to their businesses. mytakaful Bank Partners Providing bank partners with key information required to transact and as well as processing in a timely and effective manner. These portals will empower our sales force and partners to better serve customers. The portals empower them to play a proactive an opportunity for the customers to manage the number of walk-ins as well as phone and written enquiries and have enabled us to improve our operational capability, enhance customer service, and respond faster in a competitive marketplace.

17 OUR TEAM OUR SALES SALES TEAM General Takaful Paul Davis General Manager, Corporate Business (Corporate Agency & Direct) Tan Swee Teek Head of Corporate Agency & Direct Khairuddin Ibrahim Assistant General Manager (Corporate Agency & Direct) Irewan Safari Abdul Razak Head of Corporate Agency & Direct Head of Corporate Agency & Direct Norhashimah Ahmad General Manager, Corporate Business (Broking & East Malaysia) Norhayati Idris Lani Lait Head of Multichannel (Sabah) Haswani Daud Head of Corporate Agency & Direct (Sarawak) Teresa Marlam Head of Broking (Sarawak) Nor Azmi Ishak Head of Corporate Agency & Direct

18 OUR SALES TEAM OUR SALES TEAM Lim Siew Ping General Manager, Corporate Business Khairul Amri Ahmad Rafaie Head of Corporate Direct Raja Muhammad Raja Alang Ismail Head of Broking Maureen Tan Mok Lin Head of Corporate Agency Sandy Lam Yoke Kham Head of Multi Channel (Southern & East Coast)

19 US CONTACT CONTACT US HEAD OFFICE Syarikat Takaful Malaysia Keluarga Berhad ( K) (Formerly known as Syarikat Takaful Malaysia Berhad) Syarikat Takaful Malaysia Am Berhad ( D) 26th Floor, Annexe Block Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman Kuala Lumpur P.O.Box 11483, Kuala Lumpur takaful-malaysia.com.my TAKAFUL mycare CENTRES KUALA LUMPUR Menara Takaful Malaysia Tingkat Bawah, Blok Utama Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman Kuala Lumpur SELANGOR Shah Alam Tingkat Bawah Lot No. 82, 84, 86 Jalan Rugbi 13/30, Seksyen Shah Alam Selangor Darul Ehsan PERAK Ipoh No. 23, Medan Istana 3 Bandar Ipoh Raya Ipoh Perak Darul Ridzuan PULAU PINANG Bandar Perda No. 28, Jalan Perda Barat 1 Bandar Baru Perda Bukit Mertajam Pulau Pinang Gelugor No. 2480, Tingkat Bawah Jalan Sultan Azlan Shah Gelugor Pulau Pinang KEDAH Alor Setar No. 229, Jalan Shahab 2 Shahab Perdana Jalan Sultanah Sambungan Alor Setar Kedah Darul Aman Sungai Petani No. 4, Kompleks Seri Temin Jalan Ibrahim Sungai Petani Kedah Darul Aman NEGERI SEMBILAN Seremban Suite 14-2, Tingkat 2 Seremban City Centre Jalan Tuanku Munawir Seremban Negeri Sembilan Darul Khusus

20 CONTACT US TAKAFUL mycare CENTRES MELAKA Melaka 148, Kompleks Munshi Abdullah Jalan Munshi Abdullah Melaka JOHOR Batu Pahat Tingkat Bawah No. 46, Jalan Rahmat Batu Pahat Johor Darul Takzim Johor Bahru Tingkat Bawah No. 5, Jalan Setia Tropika 1/30 Taman Setia Tropika Johor Bahru Johor Darul Takzim TERENGGANU Kuala Terengganu Tingkat 2, Lot 1129 & 1130 Jalan Sultan Ismail Kuala Terengganu Terengganu Darul Iman PAHANG Kuantan No. 45, Tingkat Bawah Jalan Teluk Sisek Kuantan Pahang Darul Makmur Temerloh No. 27, Jalan Dato Bahaman 3 Pusat Dagangan Temerloh Temerloh Pahang Darul Makmur KELANTAN Kota Bharu Lot 331 & 332 Tingkat Bawah Jalan Sultan Yahya Petra Wakaf Siku, Kota Bharu Kelantan Darul Naim SARAWAK Miri Lot 1340, Tingkat Bawah Miri Waterfront Commercial Centre Jalan Waterfront Miri, Sarawak Kuching Lot 435, Tingkat 1 & 2 Bangunan Tuanku Haji Mohammad Al-Edrus Jalan Kulas Kuching, Sarawak SABAH Kota Kinabalu Lot A 202 & 203, Tingkat 2 Blok A, Wisma MUIS Jalan Tengku Abdul Rahman Kota Kinabalu, Sabah TAKAFUL RETAIL CENTRES IFiC KL Sentral Aras Bawah, Menara TH Sentral Blok D, Plaza Sentral Jalan Stesen Sentral Kuala Lumpur IFiC Jalan Tun Razak Aras 2, Menara Tabung Haji 201, Jalan Tun Razak Kuala Lumpur IFiC Johor Bahru Tingkat Bawah Menara TH Johor Bahru PTB 20485, Jalan Ayer Molek Johor Bahru Johor Darul Takzim IFiC Banda Kaba Bangunan Tabung Haji Lot 250, Jalan Banda Kaba Peti Surat Melaka IFiC Ipoh Aras 1, Bangunan Tabung Haji Jalan Koo Chong Kong Ipoh Perak Darul Ridzuan IFiC Putrajaya Kompleks Islam Putrajaya Blok B, Jalan Tunku Abdul Rahman Presint 3, Pusat Pentadbiran Kerajaan Persekutuan Putrajaya

21 ASKED (FAQ S) FREQUENTLY ASKED QUESTIONS (FAQ S) QUESTIONS FREQUENTLY Takaful 1) How is takaful and conventional insurance similar? Both takaful and conventional insurance are similar as they share the same objective of providing protection to the insured in the event of unfortunate incidents. The basic principles of insurance also apply to both takaful and conventional insurance. The takaful or insurance contract is a contract of utmost good faith (trust). As the failing which, the contract may be null and void for material non-disclosure and he will not be protected against any loss or damage. 2) Are there any differences between takaful and conventional insurance? unlike conventional insurance which adopts the exchange contract (sale and purchase) between the insurer and insured, Takaful operations are based on the principle of Ta`awun (mutual assistance) and Tabarru` (donation) where the risk is shared collectively by a group of participants voluntarily. By contributing a sum of money to a common Takaful risk fund in the form of contribution (Tabarru ), you will undertake a contract (aqad) to become one of the participants by agreeing to mutually help each other, should any of the insured suffer from a mishap. Takaful therefore promotes the concept of brotherhood, solidarity and mutual assistance. Conventional insurance in a nutshell is the transfer of risk by an individual, such as yourself, or an organisation to the insurance company. You or your organisation will thus be known as the policy owner. The insurance company receives payment in the form of premium and will compensate you in the event of losses or damages sustained by you. Secondly, unlike conventional insurance, the participants retain an ownership interest in the Takaful fund. In the event the fund generates a surplus, it is then shared among the participants. This creates a win-win situation for all participants. Thirdly, all investments managed by the Takaful operators are made in accordance to the Shariah law. These funds are managed by the Takaful operator on behalf of the participants.

22 ASKED (FAQ S) FREQUENTLY ASKED QUESTIONS (FAQ S) QUESTIONS FREQUENTLY 2) Are there any differences between takaful and conventional insurance? (cont d) Fourthly, the Takaful Operators are required to provide interest-free loan (Qard) in participants. Finally, a Takaful operator has a Shariah Advisory Body which monitors the activities of the operations including product offerings so as to ensure that it is Shariah-compliant. 3) What is a Wakalah Business Model? The Wakalah model is essentially an agent-principal contract, where the Takaful operator acts as an agent to manage the Takaful fund on behalf of the participants. As a return, the Takaful operator will be entitled to a fee for the services rendered. This model allows the Takaful Operator to employ the agency system effectively in remuneration to commensurate with the services rendered. In addition, this model provides a unique concept of surplus distribution to the participants. By contributing Tabarru into the common Takaful fund, both the participants and Takaful Operators may be entitled to the share of fund surplus, if any. 4) What is Tabarru? Tabarru is a donation for the purpose of helping other proposed participants in times of misfortune. By doing so we show solidarity, brotherhood and cooperation among the proposed participants. Tabarru is also known as a cost of insurance from an insurance point of view. 5) Can a non-muslim participate in any of Takaful Malaysia s plans? Yes, Takaful Malaysia`s plans are catered for all regardless of age, race or belief. The full be catered for by Takaful Malaysia.

23 ASKED (FAQ S) FREQUENTLY ASKED QUESTIONS (FAQ S) QUESTIONS FREQUENTLY Cash Back Our Cash Back is our reward to our participants should they make no claims within the coverage period. It is applicable to most of our General Takaful products. We are the only Takaful Operator to consistently offer this Cash Back due to the an excellent indication of the performance of the takaful fund. The practice of the Cash Back is permissible by Shariah where it upholds the virtues of cooperation, mutuality, amongst the participants of wakalah model adopted by Takaful Malaysia. The actual amount of Cash Back payment is at the sole discretion of Takaful Malaysia credited to the account via the e-payment facility. Participants are advised to log in to our mytakaful Customer portal and update the account details under the e-payment details section. Any declaration of Cash Back is only payable/claimable up to six (6) months from the declaration date as determined by the Company. Thereafter, the entitlement to the said Cash Back shall immediately be forfeited and will be credited by the Company into the relevant takaful fund.

24 ASKED (FAQ S) FREQUENTLY ASKED QUESTIONS (FAQ S) QUESTIONS FREQUENTLY mytakaful Plans mytakaful plans? You can visit our corporate website at or our online sales portal for products offered by us. Alternatively, you can walk in to any of our TMCC Service Centres nationwide or contact our Customer Service at Our representatives will attend to your request. 8) How do I pay my contribution? Our payment methods include: a. Auto Debit b. Internet Banking c. Pay Net Direct Debit d. Credit Card Standing Instructions e. JomPAY f. Over-the-counter However, please take note that the payment method for each takaful plan may vary. For more details, please visit our corporate website at or you may contact our Customer Service at We encourage you to make contributions via electronic means to ensure uninterrupted coverage. 9) Where can I update my banking details for e-payment purposes? Participants are advised to log in to our mytakaful Customer portal and update the account details under the e-payment details section. You can visit our corporate website at to download the relevant claim form under Documents Library section or contact our Customer Service at or us at csu@takaful-malaysia.com.my. It is advisable that you notify us immediately as any delay may prejudice the claim. Generally, claims payments are payable within 14 workings days upon receiving the signed discharge voucher.

25 ASKED (FAQ S) FREQUENTLY ASKED QUESTIONS (FAQ S) QUESTIONS FREQUENTLY making a call, walking in or corresponding with you via ? You may obtain a copy of your statement by visiting our corporate website at www. takaful-malaysia.com.my. If you are a new member, you need to click onto mytakaful Customer link on the right panel to register. If you are already a registered member, please proceed with the following steps. a. Login with your User ID and Password b. Click onto and select c. Click onto the tab d. Click the provided link to view/print the Income Tax Statement copy? by the Commissioner of Oath. Thereafter you may submit the endorsed form to any of our TMCC Service Centres and a service fee of RM4.00 will be charged for the issuance of a duplicate copy.

26 TAKAFUL IN THE NEWS TAKAFUL MALAYSIA IN THE MALAYSIA NEWS

27 Boasting an extensive nationwide network, Takaful Malaysia serves the needs of all by offering We Protect. We Care. We Share. Menara Takaful Malaysia 26th Floor, Annexe Block No. 4, Jalan Sultan Sulaiman Kuala Lumpur P.O.Box 11483, Kuala Lumpur takaful-malaysia.com.my