Sharia Advisor

“Islamic financial adviser’s representative” means an individual, however styled, in the direct employment of, acting for or by arrangement with an approved Islamic financial adviser, who performs for the Islamic financial adviser any services relating to Islamic financial advisory business;

“Islamic financial advisory business” means any of the following:

(a) analyzing the financial planning needs of a person relating to a takaful product;

(b) recommending an appropriate takaful product to a person;

(c) sourcing a takaful product from a licensed takaful operator for a person;

(d) arranging of a contract in respect of a takaful product for a person; or

(e) such other business, service or activity in relation to a financial service.

Source : IFSA 2013 

A www.bnm.gov.my/documents/act/en_ifsa.pdf

B http://www.bnm.gov.my/index.php?ch=en_legislation&pg=en_legislation_act&ac=1080

Pengendali Takaful Insurans di Malaysia

Bismillah.

Berikut adalah senarai pengendali Takaful yang mendapat kelulusan Bank Negara Malaysia (BNM). 

Sila rujuk akta Islamic Financial Services Act 2013. 

• AIA AFG Takaful Berhad
• AIA Public Takaful Berhad
• AmFamily Takaful Berhad
• Etiqa Takaful Berhad
• Great Eeastern Takaful Berhad
• HSBC Amanah Takaful (Malaysia) Sdn Bhd
• Hong Leong MSIG Takaful Berhad
• MAA Takaful Berhad
• Prudential BSN Takaful Berhad
• Syarikat Takaful Malaysia Berhad
• Takaful Ikhlas Sdn Bhd
• Sun Life Malaysia Takaful Berhad (CIMB Aviva Takaful Berhad)

Pengendali takaful merupakan pentadbir dana dan menguruskan dana bagi pihak peserta atas kepercayaan yang diberikan, dan kontrak antara peserta dengan pengendali ditetapkan berdasarkan kontrak mudharabah (perkongsian keuntungan) atau wakalah (agensi).

Ini pandangan peribadi saya, anda berhak memilih mana-mana pengendali takaful yang memberikan tawaran perlindungan berdasarkan keperluan anda. Ini kerana kesemua pengendali takaful ini harus mematuhi peraturan dan akta yang digariskan oleh pihak BNM.

Lakukan homework terlebih dahulu sebelum membuat keputusan menyertai mana-mana pelan perlindungan takaful, rujuk dengan ejen yang berdaftar dan berlesen yang berdekatan anda. Ada di beri pilihan selama 15 hari setelah menerima sijil polisi untuk memilih sama ada meneruskan kontrak atau sebaliknya. Dalam tempoh itu, baca dan fahami setiap terma dan syarat yang ada bagi memudahkan urusan tuntutan pada masa hadapan. 

Schedule 7 Financial Services Act 2013

Financial Services Act 2013 provides for a list of prohibited business conduct in Schedule 7.

1. Engaging in conduct that is misleading or deceptive, or is likely to mislead or deceive in
relation to the nature, features, terms or price of any financial service or product.

2. Inducing or attempting to induce a financial consumer to do an act or omit to do an act in
relation to any financial service or product by—

(a) making a statement, illustration, promise, forecast or comparison which is misleading, 
false or deceptive; 
(b) dishonestly concealing, omitting or providing material facts in a manner which is 
ambiguous; or 
(c) recklessly making any statement, illustration, promise, forecast or comparison which is 
misleading, false or deceptive. 

3. Exerting undue pressure, influence or using or threatening to use harassment, coercion, or
physical force in relation to the provision of any financial service or product to a financial
consumer, or the payment for any financial service or product by a financial consumer.

4. Demanding payments from a financial consumer in any manner for unsolicited financial
services or products including threatening to bring legal proceedings unless the financial
consumer has communicated his acceptance of the offer for such financial services or
products either orally or in writing.

5. Exerting undue pressure on, or coercing, a financial consumer to acquire any financial service
or product as a condition for acquiring another financial service or product.

6. Colluding with any other person to fix or control the features or terms of any financial service
or product to the detriment of any financial consumer, except for any tariff or premium rates or
policy terms which have been approved by Bank Negara Malaysia.