It is important to note that this is essentially a change in ownership and should not impact you in terms of how you are served, or our products and services for the time being.

Alternatively you can email us at contact.my@fwd.com.

• Convenience – contributions payment can be made anytime and anywhere via the internet and mobile banking.
• Fast – transactions can be done quickly and securely.
• Simple – with only 3-simple steps.
• Free – no fees or charges.
• Hassle free – ability to set-up automatic recurring payments at the same time every month.

The JomPAY facility is available for bill payments as long as you’ve signed up for internet banking service with your bank. To help you better understand how JomPAY works, you may refer to the guide for contribution payment via JomPAY at https://www.fwd.com.my/en/important-notice/Guide for contribution payment via JomPAY.pdf

Yes, you’re allowed to change/add or remove your card details during the billing cycle for recurring payment in progress.

Please note that the status in ‘Online Request Tracking’ will be shown as “updating” if you change/add or remove card details during the billing cycle for recurring payment in progress. The status in ‘Online Request Tracking’ will turn to “completed” once the billing cycle for recurring payment has completed.

Yes, your payment method remains the same. However, if you wish to change how your contribution is deducted (either via debit bank account or credit card), please complete and submit the ‘Change Request Form’ - you can find this here.

Step 1: Click ‘Online Payment’ from the Certificate eService sub-menu.

Step 2: Click ‘Renewal Payment’ to make a one-time payment.

Step 3: The system will send an SMS of 6-digits OTP to your registered mobile number to authorise the request.

Step 4: Enter the OTP, click the checkbox once you’ve read the ‘Term & Conditions’ and click ‘make payment’ button.

Step 5: You’ll be directed to iPay88 page where you can select your preferred bank. Click the ‘Proceed’ button and you’ll be directed to your preferred bank’s online banking portal. Enter the 6-digits TAC code which will be sent via SMS to your registered mobile number once you’ve verified the payment details.

Step 6: The system will display payment acknowledgement notification upon successful transaction once you click ‘submit’.

Step 1: Click ‘Online Payment’ from the Certificate eService sub-menu.

Step 2: Click ‘Renewal Payment’ to make one-time payment.

Step 3: The system will send an SMS of 6-digits OTP to your registered mobile number to authorise the request.

Step 4: Enter the OTP, click the checkbox once you’ve read the ‘Term & Conditions’ and click ‘make payment’ button.

Step 5: You’ll be directed to iPay88 page where you can select eWallet as your payment option. Click the ‘Proceed’ button and you’ll be directed to your eWallet account. Click ‘Confirm payment’ once you’ve verified the payment details.

• Death benefit: please notify us immediately.
• Contribution waiver: please notify us immediately.
• Critical illness: please notify us within 90 days of the diagnosis.

These include:

• your age
• your current health
• your lifestyle
• whether you smoke
• the length of the takaful certificate you want
• the amount of money you want to be covered for

A surplus arises when there is an excess in FRF or PRF after deducting claims payable, actuarial liabilities and other related costs and expenses. The surplus, if any, will be determined at the end of each financial year. A portion of the surplus may be retained for contingencies and the balance of the surplus will be distributed as surplus distributable.

As your Takaful Operator, we're entitled to an incentive equal to a certain percentage (depending on the product type) as a reward for managing and administering the FRF or PRF. The balance of the surplus will be distributed among eligible participants.

1. The FRF or PRF is  in a surplus position after Qard (interest-free loan) has been paid off, if applicable;
2. The plan that your certificate belongs to is in a surplus position.
3. Your certificates are in force as at the end of the financial year. However, depending on the product type, you may not be entitled to the surplus if you've made a claim(s) during that financial year.

Yes, we’ll notify you of the surplus distribution either through mail, email or SMS.

Your surplus distribution payment (if any) will be distributed in accordance with your certificate terms and conditions after the end of the financial year. You can contact us for further information on the payment method. Please give us a call at 1300 13 7988 or email at contact.my@fwd.com if you require additional information.

1. Takaful Education Plan – Regular Contribution
2. Takaful Education Plan – Single Contribution
3. Keyman Protector
4. Keyman Protector Plus
5. LifeSelect Regular
6. LifeSelect Single
7. HSBC Lifestyle Protector
8. HSBC LifeStyle Protector (Premier)
9. HSBC Lifestyle Protector Plus
10. HSBC LifeStyle Protector Plus (Premier)
11. HSBC Lifestyle Saver
12. HSBC HealthCash
13. Takaful Future Smart
14. Takaful Future Secure
15. Takaful Reducing Term Cover 
16. Retirement Protection Plan (Regular Contribution)
17. Retirement Protection Plan
18. Takaful SimpleLife