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Group Life

Group Term Life Takaful (GTL Takaful)

A Group Term Life Takaful that provides coverage for employees of Small Medium Enterprises in the event of Death or Total and Permanent Disability (TPD)


Why do I need it?

  • This coverage helps you provide financial assistance to your employee during unexpected calamities.

How much should I insure?

  • You have the flexibility to choose the sum covered for your employees.

Additional coverage

  • For additional coverage, you have the option of purchasing the Group Hospitalisation and Surgical Takaful.


Group Term Life Takaful (GTL Takaful)

  • 24 hours, worldwide coverage
  • Death or Total and Permanent Disability (TPD) due to natural causes and accidents

Death (Due to All Causes)

  • One lump sum payment of Sum Covered Amount

Total and Permanent Disability (TPD) per life

  • Sum Covered is paid up to a maximum of RM1 million, 6 months after TPD incident event date
  • The balance (if any, up to RM1 million) is payable 1 year from the date of the first payment

TPD coverage expiry age

  • Any Covered Member who aged sixty five (65) years or above on the Cover Start Date shall not be entitled to TPD coverage

TPD maximum coverage

  • Not exceeding a sum of RM2.0 million for this certificate and all other credit related certificate within Etiqa, if any, of the same Covered Member.


For SME Business Owners

Period of Takaful

  • Yearly Coverage (rates subject to claims review)

Entry Age (age at next birthday)

  • Min: 18 years old
  • Max: 60 years old

Expiry Age (age at next birthday)

  • Max: 65 years old

Sum Covered

  • Min: 10,000
  • Max: 100,000

Minimum members to be covered

  • Minimum of 5 employees

This web page is neither a Master Certificate nor forming part of it. The precise benefits, terms and conditions and other details are available in the Master Certificate.

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