Protect-<span>i</span> <span>Budi</span>
We understand that life in this world leads to the afterlife. Hence, it is important as a Muslim not only to fulfil religious obligations by performing hajj or umrah, but also being able to give back to society. All the while ensuring your loved ones are protected as well.  

Through good planning and giving, you will lead a meaningful and peaceful life in this world and receive eternal rewards in the afterlife.

Be spiritually and financially ready to invest in this life and beyond.

At AmMetLife Takaful Berhad (“AmMetLife Takaful”), we are passionate in providing you the best solution in your time of need.
Protect-Budi is a Shariah compliant regular contribution family takaful plan which provides protection against death or Total and Permanent Disability (“TPD”) in the form of sum covered in which an additional 100% sum covered will be payable if these unfortunate events occur during Hajj or Umrah. What’s better is that this caring and affordable plan is equipped with badal hajj benefit and funeral benefit.  

Apart from protection, it also grows your savings and creating additional funds to fulfil your religious obligations. Best of all, you can add in Waqaf Rider to enjoy eternal rewards in the afterlife. For a more comprehensive coverage, you can also include Contributor Rider that ensures you are continuously covered even if any misfortunes happen to your payor.

Entry Age
Participant: 30 days to 60 years old
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100% of Basic Sum Covered from the Participants’ Risk Fund (“PRF”) plus Participant’s Investment Fund (“PIF”) value will be payable in the event of death or TPD

Additional 100% Basic Sum Covered will be payable from the PRF if death or TPD occurs while performing Hajj or Umrah.

We will pay RM3,000 from the PRF to your nominee for him/her to appoint wakeel to perform Badal Hajj, in the event of your death or TPD.

Your nominee will receive RM3,000 as Funeral Benefit in one lump sum from the PRF.


Waqaf Rider

This rider provides additional benefit in one lump sum in the event of death or TPD. The benefit i.e. rider sum covered will be donated to waqaf organization approved by our Shariah Committee for Waqaf purposes. While the rider is inforce, the rider sum covered will increase by 10% of the initial rider sum covered amount every 5th certificate year until maturity.

  • Participant    : 18 years old to 60 years old

Contributor Rider

This rider will waive all future contributions in the event that the Contributor passes away or suffers TPD.

  • Certificate Holder : 17 years to 60 years old

Useful Documents

(PDF - 956 KB)


  1. Wakalah

This plan applies the wakalah (agency) concept, where all Certificate Holders appoint AmMetLife Takaful as a wakeel (agent) to act on their behalf to invest and manage the Participant Investment Fund (“PIF”) and Participants Risk Fund (“PRF”). AmMetLife Takaful is entitled to a wakalah fee for managing and investing the funds.

  1. Tabarru’

This plan applies the tabarru’ concept, where all certificate holders agree to donate a specified portion from the PIF into the PRF for the purpose of mutual aid and assistance to all certificate holders in times of misfortune.

  1. Qardh

This is an interest-free loan from AmMetLife Takaful in the event that the PRF is in deficit. The loan will be paid from the future surplus arising from the PRF.

  1. Hajj

Visiting Baitullah Al Haram (the Holy Kaabah) in Mecca in the months of Hajj pilgrimage to perform the specific rites according to the terms and conditions.

  1. Umrah

Visiting Baitullah Al Haram (the Holy Kaabah) in Mecca at any time to perform the specific rites according to the terms and conditions.

  1. Badal Hajj

Performing Hajj (pilgrimage to Mecca) on behalf of those who is unable to perform Hajj due to certain barriers such as sickness, death, old before fulfilling the Hajj obligation.

  1. Waqaf

A voluntary, permanent, irrevocable dedication of a person’s wealth or a portion of it for religious, educational or charitable cause.

  1. Wakalah Fee

A percentage of the contribution will be charged to cover for management expenses and direct commissions, as follows:

 Certificate Year    Wakalah Fee (%)







7 and above  10%

If the contribution term is less than 20 years, the above Wakalah Fee will be at lower rates.

  1. Tabarru’

Monthly tabarru’ (donations) deducted from the PIF depending on your age, gender and sum covered.

  1. Monthly Service Fee

Monthly Service Fee - A monthly service fee of RM6 will be deducted from your PIF.

  1. Surrender fee of :

The surrender fee that will be charged upon surrender of the certificate is RM100 or 10% of PIF value, whichever is lower.

In the event of the participant’s death/TPD prior to attaining the age of four years, the sum covered payable under the certificate shall be as follows:

   Age at death% of Sum Covered Payable




4 and above  100%

Partial withdrawal from the PIF is allowed subject to:
  1. Minimum amount for Partial Withdrawal is RM1,000; and
  2. The minimum balance in PIF after withdrawal must be RM2,000.

Pre-existing illness and conditions means any medical conditions, which have been diagnosed or have required medical treatment prior to the commencement date of this takaful coverage, regardless of whether treatment was actually received.

The information, statement and/or descriptions contained herein are strictly meant to be general information for quick reference and illustration purposes only and are not intended to be the complete description of all terms and conditions applicable to any products mentioned herein. Please refer to the Product Disclosure Sheet (PDS) for more information.

For further clarification and information, you may contact our Customer Care Centre at 1300 22 9777
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