Tag: Takaful agent
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Doing Hibah for Your Takaful Isn’t for You. It’s for the People You Love.
If You’re Earning an Income, You’re Already Insuring Your Family’s Life—But Have You Made It Official? Hi, I’m Aliya—an Islamic Financial Planner, and also a mom who understands the weight of responsibility that comes with being a breadwinner. Let’s have an honest chat today—just between us. If something happened to you tomorrow, would your loved…
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Because Life Happens
As a financial planner — and also as a mom — I’ve seen how unexpected expenses can shake a family’s stability. Many people believe, “It’s okay, I can always rely on government hospitals if anything happens.” But here’s the truth: while treatment at government hospitals is subsidised, not all medications or procedures are fully covered.…
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Mind the Gap
When we talk about “protection,” most people immediately think of medical cards, insurance, or takaful. But here’s the thing — many Malaysians actually don’t have enough protection. This missing piece is what we call the protection gap. What is the Protection Gap? In simple words, the protection gap is the difference between what your family…
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What You Need to Know About Death Claims
Let’s Talk Takaful Claims – Part 1: What You Need to Know About Death Claims Hi, I’m Aliya — your friendly neighbourhood Islamic Financial Planner. 😊 If we’ve met before, you’ll know I’m passionate about helping individuals and families make financial decisions that are both smart and aligned with our values. One question that always…
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1 Juta Annual Limit, Tapi Kenapa Tak Approve Semua?
“Kenapa rawatan kanser ni tak terus approve RM1 juta?” Real case 1 : Padahal dalam plan ni, annual limit RM1,000,000. So kenapa tak terus approve je semua amount tu sekali harung? Sebab GL (Guarantee Letter) takkan approve lump sum terus sampai RM1 juta. GL approval ikut apa yang hospital apply, berdasarkan keperluan rawatan semasa. It’s…
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Medical Card Is A Waste of Money?
Amir (real name hahaha) pays about RM100 for ASTRO bill every month without fail for the Sport’s package. RM100 gone each time. The thing is, we barely watches Astro. Almost ten years in, he suddenly feels like it’s a waste. “I’ve spent so much, but I barely watch the television. I always come home late,…
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From Cost to Care: A Smarter Way to Manage Employee Medical Benefits
Hi, my name is Aliya and here’s why your company should consider getting corporate medical and health benefits with me and AIA Public Takaful. First things first – What’s Group Takaful? It’s a life/medical takaful certificate that covers a group of people (usually employees). The employer (you!) is the certificate owner, and the employees are…
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Having Sales Anxiety?
I still remember my first cold call—palms sweaty, heart racing, voice cracking like a teenager in a school play. I had rehearsed my pitch a hundred times, yet the second the prospect picked up, my brain staged a full shutdown. “Hi, uh… I’m calling about… um… your financial planning needs?” Click. Dial tone. Ouch. But…
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How to Submit Claim on AiA+ App – Employee Benefit edition
Got a claim to submit? No worries—let’s get this sorted in a few taps. But before we proceed, there are two things I want to highlight… First, got questions about your finances? I’m here to help! Feel free to call me at +60 12 223 1623 or drop a message on WhatsApp (click here). Let’s…
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The Harsh Truth: What Happens When You Can’t Work Anymore?
Imagine this. One day, you lose your ability to work—not because you want to, but because of total and permanent disability or a critical illness. What happens then? The company you gave your blood, sweat, and tears for? They won’t be around for long. It’s not personal; it’s just how things work. And your commitments?…
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Aliyawanders 