Hadiah Untukmu
What does this product provide?

Accelerated Death Expense
- immediate financial assistance of 10% basic sum covered or up to RM20,000 will be paid to your family with no questions asked


Death benefit
- we provide high protection up to 400% of your sum covered. This amount will be payable to your loved ones plus savings from your Participant’s Individual Fund


Cash rewards benefit
- let us celebrate your happy moments with cash rewards. This benefit is payable upon your marriage, upon birth of your child, when you purchase new house, when you perform Hajj and even when you travel to 5 different countries!


Top-up option
- you have the flexibility to choose either regular or ad-hoc top-up to grow your savings


Partial withdrawal
- we’ve got your back! You can partially withdraw your savings in times of need


Maturity benefit
- you can enjoy cash value in your savings upon maturity

Who is eligible to apply?

17 – 60 years old

How to apply?

Through Takaful IKHLAS’ agent

Attachable Riders
  • TPD Waiver Rider

  • CI Waiver Rider


IKHLAS Dariku was designed specifically as a Hibah (gift) from you to the chosen person upon your passing. The product design is simple but it comes with multiple layers of benefit which include cash rewards to celebrate your happy life events. Both, you and your loved ones will benefit from this product.

IKHLAS DARIKU, hadiah untukmu!

H : High protection
I : Incentives for life events
B : Bonus for hajj
A : Accelerated Death Expense – swift payment with no questions asked
H : Hadiah (gift) for your loved ones