MAA Takaful

Underwritten by MAA Takaful Berhad

MAA Takaful Term 80

Financial protection for your family with affordable payments. Make annual Wakalah contributions to add on to your basic sum assured. Get covered anywhere you are in the world!

    • RM50k Minimum Sum Assured
    • Add-on Critical Illness Coverage
    • Death Coverage Until Age 80
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured
View product disclosure sheet.


What makes this MAA Takaful insurance policy stand out?

Cover Term
Protection up to age 80
Premium Type
Flat rate. Stays the same throughout coverage term.
Plan Conversion
Option to convert plan .
Income Tax Relief
Up to a maximum of RM3,000 a year.

Protection for Your Family

How will MAA Takaful help to secure my family’s financial future?

What's covered by your insurance plan
Main Coverage
Coverage Period
Am I Protected?
A lump-sum payment to your family when you die of any causes
up to 80 years oldYes, up to 100% of sum assured
Total and Permanent Disability
When you’re unable to work or take care of yourself due to ongoing injury or sickness
up to 70 years oldYes, up to 100% of sum assured
Enjoy the full benefits of your insurance plan with great add-on coverage
Add-on Coverage
Am I Protected?
Critical Illness Coverage
Protection against serious diseases such as cancer, heart attack, stroke, kidney failure or heart bypass surgery
Early Payout for Critical Illness
Extra cash to help during early stages of a major disease
Permanent Disability Indemnity
Cash compensation for loss of ability to work and earn income
Hospital Benefit
Payment for hospital visits, including room and other costs charged during your stay
Parent Contributor
Cash payments to mum or dad in the event of your death or permanent disability
Spouse Contributor
Financial help for your husband or wife in case of your death or serious handicap.
Accidental Death or Dismemberment
Protection for when you die or lose a limb due to an accident
Weekly Indemnity
Temporarily unable to work? Get income to ease recovery from injury

Age Requirements

Am I eligible to apply for this MAA Takaful insurance?

Minimum Age
at least 30 days of age
Maximum Age
at most 70 years of age
Expiry Age
at most 80 years of age

Frequently Asked Questions about MAA Takaful Term 80

Things you might want to know

What is MAA Takaful Term 80?

The Takaful Term 80 is a term life protection policy by MAA Takaful that gives you added coverage and financial security for your loved ones upon your death or total and permanent disability.

What's special about this term-life takaful policy is that you're also required to contribute a portion of your takaful payments, known as Wakalah fees, to a Shariah compliant investment account which will add-on to your basic sum assured.

What do I need to know about my Wakalah fees?

As an Islamic Takaful provider, MAA Takaful operates under the Syariah principle of Tabarru. Your monthly donations of Tabarru will be divided into two funds, the Participant Risk Investment Account (PRIA) and your Participant Investment Account (PIA).

Donations in your PRIA account will go towards your personal coverage, while MAA Takaful Berhad will act as an agent to invest the donations in your PIA account. Any surplus from these investments, which is performed in accordance with Shariah law, will be shared between you and MAA Takaful split down the middle at a 50:50 ratio. 

How about the main coverage for death and total and permanent disability?

The basic Takaful Term 80 plan provides guaranteed lump-sum payment coverage for death and total and permanent disability to your loved ones. To add to that, you or your family will also be able to claim maturity benefits from your PIA account. 

Can I pay for extra coverage?

If you’d like to get additional coverage on your Takaful Term 80 you can choose from a selection of riders specially designed by MAA Takaful for that added peace of mind.

Whether if you're simply looking to increase cash claims in the event of death and permanent disability, additional coverage for critical illness, hospital benefits, or even cash for funeral expenses, MAA Takaful will be ready to provide.

How do I qualify for this takaful policy?

This term life takaful policy by MAA Takaful is offered to anyone from the age of 30 days to 70 years. The minimum coverage term for new applicants is 5 years, while the maximum term limit is until you reach 80 years old.

What happens if I’m late with my payments?

You’ll be given a grace period of 31 days after the due date to make your monthly donations. Otherwise, your Tabarru costs will be automatically deducted from your Participant Investment Account (PIA) to your Participant Risk Investment Account (PRIA).

Your Takaful certificate will become invalid once your PIA funds becomes insufficient to pay for your monthly donations. To reinstate your Takaful plan, you will be required to pay a small fee of RM50.

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