How to Become

a Takaful Agent

  • If you’re truly passionate, willing to work hard, and not afraid of challenges, a full-time career in Takaful is definitely worth it.
  • But don’t join half-heartedly — you need to be fully committed to building a long-term career.

Step

To become a Takaful Agent

  • Hubungi kami di TakafulGo – kami akan membantu consult anda syarikat takaful terbaik untuk anda pilih sebagai kerja masa depan anda
  • Borang pendaftaran ejen dengan MTA (Malaysian Takaful Association)
  • Bank Negara Malaysia (BNM)
  • RM80
  • Ikuti kursus asas (TBE – Takaful Basic Examination) dan daftar exam TBE yang dikendalikan oleh IBFIM
  • Peperiksaan TBE daftar dengan yuran RM85 – 150 (Takaful Basic Examination) yang dikendalikan oleh IBFIM terbahagi kepada 3 modul utama, iaitu:
  • Fokus: Produk takaful am seperti kenderaan, harta benda, kebakaran, liabiliti.
  • Sesuai untuk: Ejen yang nak jual takaful am (contoh: Etiqa General Takaful, Zurich Takaful untuk motor & rumah

a) Fokus: Produk takaful nyawa seperti:

  • Takaful hayat
  • Medical card
  • Hibah takaful
  • Takaful pendidikan

b) Sesuai untuk:

  • Ejen yang nak jual takaful keluarga (life-based)

✅ Inilah modul yang diperlukan kalau anda nak jadi ejen takaful untuk medical card, hibah, dan pelan perlindungan individu.

  • Gabungan Modul A dan B
  • Sesuai untuk mereka yang nak jadi ejen komprehensif, boleh jual semua jenis produk takaful

Jadi, kalau anda nak jadi ejen untuk:

  • Medical card
  • Hibah takaful
  • Takaful pendidikan anak
  • Pelan simpanan dan pelaburan
  • 👉 Anda WAJIB ambil TBE Modul B (Family Takaful)

TBE

(Takaful Basic Examination)

🎯 Focus: Comprehensive financial planning — covering Takaful, savings, investments, and retirement.

✅ Advantage: You appear more credible and are able to handle more complex cases, including high net worth clients.

🚀 Impact: Opens the door for you to become a financial consultant, not just a Takaful agent.

🎯 Focus: Fully Islamic financial planning

✅ Advantage: Perfect for those who want to focus entirely on Takaful and Shariah-compliant investments

🚀 Impact: Builds your image as a Takaful expert with strong Shariah compliance knowledge

🎯 Focus: Professionalism & compliance as a Takaful agent

✅ Advantage: An additional industry-recognized certification — highly recommended by some major agencies

🚀 Impact: Boosts your credibility, especially when handling corporate cases or high-profile clients

🎯 Focus: Hibah, will (wasiat), faraid, and Islamic estate planning

✅ Advantage: Allows you to add hibah and estate management services to your portfolio

🚀 Impact: Builds greater trust with clients when you have solid knowledge in Islamic wealth distribution

🎯 Focus: Takaful products linked to investment (Investment-Linked Plans – ILPs)

✅ Advantage: Essential if you plan to offer investment-based Takaful products

🚀 Impact: Expands the range of solutions you can offer to your clients

If you’re just getting started full-time, passing the TBE (Takaful Basic Exam) is enough.
But if you’re aiming to build a long-term career and become an influential financial advisor, you can aim for:

✅ TBE (✔️ You’ve completed this)
The basic requirement to become a certified Takaful agent.

➡️ Estate Planning Training (Next step)
Important, as many clients are now actively seeking hibah and Islamic estate planning solutions.

🎯 RFP / Shariah RFP (Within the next 1–2 years)
Professional certifications to establish yourself as a qualified financial planner, especially for clients looking for Shariah-compliant advice.

CUTE

Certificate of Unit Trust Examination

CUTE is an examination that must be passed by individuals who wish to become unit trust agents (unit trust consultants) recognized under the Federation of Investment Managers Malaysia (FIMM).

Purpose

CUTE

  • Unit trusts (e.g., Public Mutual, PMB Investment, Principal, etc.)
  • Islamic and conventional investment funds
  • The capital market
  • Investment risks
  • Unit trust products
  • Relevant codes of ethics and laws

Information about

CUTE

  • Minimum SPM or equivalent
  • Malaysian citizen aged 21 and above
  • No record of financial crimes
  • Around RM150 – RM200 (depending on the company/agency or if registering directly with FIMM)
  • 100 multiple-choice questions
  • Duration: 2 hours
  • Passing mark: Minimum 60%
  • You will be issued a FIMM code number
  • Eligible to register as a licensed unit trust agent under an approved investment company

Shape Tomorrow Together!

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The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa or PIDM (visit www.pidm.gov.my).

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