Ejen Takaful ke FAR/IFAR: Apa Yang Berubah | Saiful 'Ariffin
Untuk Ejen TakafulFor Takaful Agents
Ejen Takafulke FAR/IFAR:Apa Yang BerubahTakaful Agentto FAR/IFAR:What Changes
Anda sudah biasa dengan kerja sebagai ejen. Sebelum bertukar dari ejen Takaful ke FAR/IFAR, fahami apa yang berubah dari sudut kelayakan, akses produk, komisyen, Buku Renewal Lama dan persistency, berdasarkan dokumen polisi Bank Negara Malaysia.
You already know the work of an agent. Before you move from Takaful agent to FAR/IFAR, understand what changes in qualifications, product access, commission, your Old Renewal Book and persistency, based on Bank Negara Malaysia policy documents.
Rujukan dokumen polisi BNMBased on BNM policy documents
Angka direktori BNM, 16 Okt 2026BNM directory figures, 16 Oct 2026
Soalan EjenAgents Ask
Modul 2 saya dikira untuk IFAR?Does my Module 2 count towards IFAR?Berapa pengendali boleh saya bawa?How many operators can I offer?Komisyen IFAR lebih tinggi?Is IFAR commission higher?Renewal lama saya hangus?Will my old renewals be lost?IFAR ada KPI persistency?Do IFARs have persistency KPIs?Boleh kekal ejen sambil jadi IFAR?Can I stay an agent while being an IFAR?
Sebelum BertukarBefore You Switch
Keputusan yang Melibatkan Kontrak, Klien dan PendapatanA Decision About Your Contract, Clients and Income
Financial Adviser's Representative (FAR) ialah wakil yang dilantik oleh firma Financial Adviser (FA) yang diluluskan Bank Negara Malaysia (BNM). Bagi produk Takaful, wakil ini dipanggil Islamic Financial Adviser's Representative (IFAR), dan dilantik oleh firma Islamic Financial Adviser (IFA).
A Financial Adviser's Representative (FAR) is a representative appointed by a Financial Adviser (FA) firm approved by Bank Negara Malaysia (BNM). For Takaful products, this representative is called an Islamic Financial Adviser's Representative (IFAR), appointed by an Islamic Financial Adviser (IFA) firm.
Bertukar daripada ejen kepada IFAR bukan sekadar tukar gelaran. Kontrak ejen anda ditamatkan, buku klien lama perlu diurus, dan cara anda dibayar serta dinilai turut berubah.
Moving from agent to IFAR is more than a change of title. Your agency contract ends, your existing client book has to be managed, and the way you are paid and assessed changes too.
Halaman ini membandingkan kedua-dua saluran satu per satu, berdasarkan dokumen polisi BNM, supaya anda nampak apa yang anda dapat dan apa yang berubah. Antara yang dibandingkan ialah akses produk, komisyen, Buku Renewal Lama dan persistency, iaitu peratus sumbangan sijil yang masih berkuat kuasa.
This page compares both channels point by point, based on BNM policy documents, so you can see what you gain and what changes. Among the comparisons are product access, commission, the Old Renewal Book and persistency, the share of certificate contributions still in force.
Belum biasa dengan istilah FAR dan firma FA? Mula dengan New to FARs and FA firms? Start with 01 Asas FAR01 FAR Basics.
Beza paling besar bukan Siling Komisyen, tetapi siapa yang menerima komisyen itu dan berapa pengendali yang boleh anda bawa ke meja klien.
The biggest difference is not the Commission Ceiling, but who receives that commission and how many operators you can bring to the client's table.
01Sekilas PandangAt a Glance
Ejen Takaful dan IFAR, Perkara demi PerkaraTakaful Agent and IFAR, Point by Point
PerkaraAspect
Ejen TakafulTakaful Agent
IFAR
PendaftaranRegistration
Ejen TakafulTakaful AgentDidaftar dengan Persatuan Takaful Malaysia (MTA) oleh pengendali yang melantikRegistered with the Malaysian Takaful Association (MTA) by the appointing operator
IFARDimaklumkan kepada BNM oleh firma IFA yang melantik, dalam tempoh 7 hariNotified to BNM by the appointing IFA firm, within 7 days
Pengendali yang diwakiliOperators represented
Ejen TakafulTakaful AgentSatu pengendali Takaful Keluarga (Family Takaful), dan sehingga dua pengendali Takaful Am (General Takaful)One Family Takaful operator, and up to two General Takaful operators
IFARPilihan daripada sekurang-kurangnya tiga pengendali bagi setiap kelas, ikut panel firmaOptions from at least three operators for each class, according to the firm's panel
Umur dan statusAge and status
Ejen TakafulTakaful Agent18 tahun ke atas18 years and above
IFAR21 tahun ke atas, residen Malaysia, dan dilantik sepenuh masa21 years and above, Malaysian resident, and appointed full-time
Kelayakan profesionalProfessional qualification
Ejen TakafulTakaful AgentTakaful Basic Examination (TBE), dan Modul 2 Shariah RFP atau IFPTakaful Basic Examination (TBE), and Module 2 of the Shariah RFP or IFP
IFARShariah RFP atau IFP, minimum Modul 1, 2 dan 3Shariah RFP or IFP, minimum Modules 1, 2 and 3
Latihan berterusan (CPD)Continuing training (CPD)
Ejen TakafulTakaful Agent30 jam setahun30 hours a year
IFAR20 jam setahun20 hours a year
Siling Komisyen, bayaran 20 tahun ke atasCommission Ceiling, 20-year payment term and above
Ejen TakafulTakaful Agent171%, iaitu 125% Komisyen Asas kepada ejen dan 46% Overriding kepada ketua agensi171%, made up of 125% Base Commission to the agent and 46% Overriding to agency leaders
IFAR171% kepada firma, iaitu 161% komisyen dan 10% Bonus Persistency, dikongsi dengan IFAR ikut Kadar Payout firma171% to the firm, made up of 161% commission and a 10% Persistency Bonus, shared with the IFAR at the firm's Payout Rate
Bahagian tertakluk Balanced Scorecard (BSC)Portion subject to the Balanced Scorecard (BSC)
Ejen TakafulTakaful Agent25% komisyen, dengan skor bertingkat 50% hingga 150%25% of commission, with tiered scores from 50% to 150%
IFAR25% komisyen, dan setiap KPI dinilai capai atau tidak25% of commission, with each KPI assessed as met or not met
Faedah tambahan daripada pengendaliExtra benefits from operators
Ejen TakafulTakaful AgentDibenarkan dalam had 3% sumbangan, contohnya skim perubatan dan persaraanAllowed within a 3% cap on contributions, such as medical and retirement schemes
IFARTidak dibenarkan, selain komisyen dan latihan produkNot allowed, apart from commission and product training
IFARDilarang tanpa kelulusan bertulis BNMProhibited without BNM's written approval
Beza asas tentang siapa yang diwakili oleh ejen dan FAR ada di The core difference in whom an agent and a FAR represent is covered in Asas FARFAR Basics.
Sumber: PD Professionalism of Insurance and Takaful Agents (2023), PD Prudent and Professional Conduct by Financial Advisers (2022) dan PD Operating Cost Controls for Life Insurance and Family Takaful Business (2019), Bank Negara Malaysia.
Sources: PD Professionalism of Insurance and Takaful Agents (2023), PD Prudent and Professional Conduct by Financial Advisers (2022) and PD Operating Cost Controls for Life Insurance and Family Takaful Business (2019), Bank Negara Malaysia.
02Angka SemasaCurrent Figures
Berapa Ramai IFAR Hari IniHow Many IFARs There Are Today
1,768
FAR dan IFAR BerdaftarRegistered FARs and IFARs
Direktori FAR BNMBNM FAR Directory
634
IFAR BerdaftarRegistered IFARs
Termasuk 214 yang memegang FAR dan IFARIncluding 214 who hold both FAR and IFAR
50
Firma dengan Wakil TersenaraiFirms with Listed Representatives
39 daripadanya ada sekurang-kurangnya seorang IFAR39 of them have at least one IFAR
Seorang IFAR bagi setiap kira-kira 178 wakil Takaful berdaftar (113,000 dibahagi 634). Berbanding saiz saluran agensi, bilangan IFAR masih kecil.
One IFAR for roughly every 178 registered Takaful representatives (113,000 divided by 634). Compared with the size of the agency channel, the number of IFARs is still small.
Wakil Ikut Tahun LantikanRepresentatives by Year of Appointment
56% IFAR tersenarai dilantik oleh firma semasa sejak 202356% of listed IFARs were appointed by their current firm since 2023
354 daripada 634 IFAR, dan 762 daripada 1,768 semua wakil, dilantik oleh firma semasa pada 2023 hingga 2026.
354 of 634 IFARs, and 762 of all 1,768 representatives, were appointed by their current firm between 2023 and 2026.
Tahun ialah tarikh lantikan oleh firma semasa. Wakil yang bertukar firma dikira pada tahun bertukar, jadi ini bukan kiraan kemasukan baharu ke industri. *2026 setakat 16 Oktober. Sumber: Direktori FAR Bank Negara Malaysia, 16 Oktober 2026.
The year is the date of appointment by the current firm. Representatives who changed firms are counted in the year they moved, so this is not a count of new entrants to the industry. *2026 as at 16 October. Source: Bank Negara Malaysia FAR Directory, 16 October 2026.
03Kelayakan dan LaluanQualifications and Pathway
Kelayakan: Modul 2 Anda Sudah DikiraQualifications: Your Module 2 Already Counts
Untuk dilantik sebagai IFAR, anda perlukan minimum Modul 1, 2 dan 3 Shariah Registered Financial Planner (Shariah RFP) oleh Malaysian Financial Planning Council (MFPC), atau Islamic Financial Planner (IFP) oleh Financial Planning Association of Malaysia (FPAM). Ejen Takaful Keluarga yang sudah lulus Modul 2 sebagai syarat Professionalism of Insurance and Takaful Agents (PITA) sudah selesai satu daripada tiga modul ini.
To be appointed as an IFAR, you need at least Modules 1, 2 and 3 of the Shariah Registered Financial Planner (Shariah RFP) by the Malaysian Financial Planning Council (MFPC), or the Islamic Financial Planner (IFP) by the Financial Planning Association of Malaysia (FPAM). A Family Takaful agent who has passed Module 2 under the Professionalism of Insurance and Takaful Agents (PITA) requirement has already completed one of these three modules.
01
Asas Perancangan Kewangan SyariahFundamentals of Shariah Financial PlanningFundamentals of Shariah Financial Planning
Belum Selesai: Perlu LulusNot Yet Done: To Pass
02
Perancangan Risiko dan TakafulRisk and Takaful PlanningRisk and Takaful Planning
Laluan dari Ejen ke IFARThe Path from Agent to IFAR
Langkah 1Step 1
Semak Program Modul 2Check Your Module 2 Programme
Modul seterusnya perlu daripada program yang sama, Shariah RFP atau IFP, atau yang diiktiraf setara.
The next modules must come from the same programme, Shariah RFP or IFP, or a recognised equivalent.
Langkah 2Step 2
Lulus Modul 1 dan 3Pass Modules 1 and 3
Ini jarak sebenar antara kelayakan ejen dan kelayakan minimum IFAR.
This is the real gap between an agent's qualification and the IFAR minimum.
Langkah 3Step 3
Tawaran Firma IFAOffer from an IFA Firm
Tawaran daripada firma IFA yang diluluskan BNM. IFAR dilantik sepenuh masa, jadi kontrak ejen lazimnya ditamatkan.
An offer from a BNM-approved IFA firm. IFARs are appointed full-time, so the agency contract is usually ended.
Langkah 4Step 4
Firma Maklumkan BNMFirm Notifies BNM
Firma memaklumkan lantikan anda kepada BNM dalam tempoh 7 hari (PD Conduct, perenggan 16.1).
The firm notifies BNM of your appointment within 7 days (PD Conduct, paragraph 16.1).
Langkah 5Step 5
Tersenarai di Direktori BNMListed in the BNM Directory
Nama dan firma anda boleh disemak oleh orang awam dalam direktori FSP BNM.
Your name and firm can be checked by the public in the BNM FSP directory.
Syarat penuh, ejen berbanding IFARFull requirements, agent versus IFAREnam syarat, satu jadualSix requirements, one table
SyaratRequirement
Ejen Takaful KeluargaFamily Takaful Agent
IFAR
Umur dan statusAge and status
18 tahun ke atas, fit and proper18 and above, fit and proper
21 tahun ke atas, residen Malaysia, dilantik sepenuh masa, fit and proper21 and above, Malaysian resident, appointed full-time, fit and proper
Peperiksaan masukEntry examination
Takaful Basic Examination (TBE)
Tiada peperiksaan masuk berasinganNo separate entry examination
Kelayakan profesionalProfessional qualification
Modul 2 Shariah RFP (MFPC) atau Modul 2 IFP (FPAM), dalam 1 tahun bagi peserta baharuModule 2 of the Shariah RFP (MFPC) or IFP (FPAM), within 1 year for new entrants
Shariah RFP (MFPC) atau IFP (IBFIM dan FPAM), atau setara yang diiktiraf, minimum Modul 1, 2 dan 3Shariah RFP (MFPC) or IFP (IBFIM and FPAM), or a recognised equivalent, minimum Modules 1, 2 and 3
Bidang wajibRequired areas
Pengurusan risiko dan perancangan TakafulRisk management and Takaful planning
Asas perancangan kewangan Islam, pengurusan risiko, perancangan Takaful dan perancangan pelaburan SyariahFoundations of Islamic financial planning, risk management, Takaful planning and Shariah investment planning
PengecualianExemptions
10 tahun pengalaman, atau 5 tahun dengan BSC 2023 pada tahap normal atau outperformer10 years of experience, or 5 years with a 2023 BSC rating of normal or outperformer
Tiada pengecualian pengalaman dalam dokumen polisiNo experience exemption in the policy document
LantikanAppointment
Pengendali melantik dan mendaftar dengan MTAThe operator appoints and registers with MTA
Firma IFA melantik dan memaklumkan BNM dalam 7 hariThe IFA firm appoints and notifies BNM within 7 days
Laluan pensijilan ikut latar akademik (SPM, Diploma atau ijazah) diterangkan di Kerjaya IFAR. Jika anda juga mahu menasihati produk pasaran modal seperti unit amanah, itu laluan berasingan di bawah Suruhanjaya Sekuriti Malaysia (SC).
Certification routes by academic background (SPM, Diploma or degree) are covered in IFAR Career. If you also want to advise on capital market products such as unit trusts, that is a separate path under the Securities Commission Malaysia (SC).
Sumber: PD Professionalism of Insurance and Takaful Agents (2023), PD Prudent and Professional Conduct by Financial Advisers (2022), MFPC FAR Programme.
Sources: PD Professionalism of Insurance and Takaful Agents (2023), PD Prudent and Professional Conduct by Financial Advisers (2022), MFPC FAR Programme.
04Akses ProdukProduct Access
Dari Satu Pengendali kepada Pelbagai PengendaliFrom One Operator to Many Operators
Sebagai ejen, anda hanya boleh mewakili satu pengendali Takaful Keluarga. Sebagai IFAR, firma IFA anda wajib membawa pilihan daripada sekurang-kurangnya tiga pengendali bagi setiap kelas, jadi nasihat boleh bermula dengan keperluan klien. Julat sebenar ikut panel firma, bukan semua syarikat Takaful secara automatik.
As an agent, you can only represent one Family Takaful operator. As an IFAR, your IFA firm must offer options from at least three operators for each class, so advice can start from the client's needs. The actual range follows the firm's panel, not every Takaful company automatically.
Ejen TakafulTakaful Agent
Takaful KeluargaFamily TakafulPada satu masaAt any one time
Takaful AmGeneral TakafulPada satu masaAt any one time
1 + 2Ejen Takaful Keluarga hanya boleh mewakili satu pengendali Takaful Keluarga, dan sehingga dua pengendali Takaful Am (PD Professionalism of Agents, perenggan 9.10).
1 + 2One Family Takaful operator and up to two General Takaful operators (PD Professionalism of Agents, paragraph 9.10).
IFAR melalui Firma IFAIFAR through an IFA Firm
Takaful KeluargaFamily TakafulBagi setiap kelasFor each class
+
Takaful AmGeneral TakafulBagi setiap kelasFor each class
+
3+Pilihan daripada sekurang-kurangnya tiga pengendali bagi setiap kelas, ikut panel firma (PD Conduct, perenggan 12.1).
3+Options from at least three operators for each class, according to the firm's panel (PD Conduct, paragraph 12.1).
Jika Kurang daripada TigaIf Fewer Than Three
Jika pilihan yang sesuai kurang daripada tiga, firma mesti menerangkan had itu dan mendapatkan persetujuan klien sebelum membuat perbandingan.
If fewer than three suitable options exist, the firm must explain the limitation and get the client's consent before comparing.
PD Conduct 12.2
Akses kepada Rangkaian ProdukAccess to the Product Range
Rangka Kerja LIFE mewajibkan pengendali Takaful Keluarga memberi firma FA akses kepada seluruh rangkaian produk mereka.
The LIFE Framework requires Family Takaful operators to give FA firms access to their full product range.
LIFE Framework 3.7
Panel FirmaThe Firm's Panel
Akses sebenar ikut perjanjian firma dengan setiap pengendali. Di TSI Wealth Planners, panelnya merangkumi 8 pengendali Takaful Keluarga dan 4 pengendali Takaful Am.
Actual access follows each firm's agreement with each operator. At TSI Wealth Planners, the panel covers 8 Family Takaful operators and 4 General Takaful operators.
Komisyen: Siling Sama, Penerima BerbezaCommission: Same Ceiling, Different Recipient
Bagi Takaful Keluarga biasa dengan tempoh bayaran 20 tahun ke atas, Siling Komisyen BNM bagi kedua-dua saluran ialah 171% daripada Sumbangan Tahunan, merentasi enam tahun. Dalam agensi, 171% itu dipecahkan kepada Komisyen Asas untuk ejen dan Overriding untuk ketua agensi. Dalam saluran FA, keseluruhannya dibayar kepada firma, dan firma berkongsi dengan IFAR ikut Kadar Payout, iaitu peratus bahagian firma yang dibayar kepada IFAR.
For ordinary Family Takaful with a payment term of 20 years or more, BNM's Commission Ceiling for both channels is 171% of the Annual Contribution, spread over six years. In an agency, that 171% is split into Base Commission for the agent and Overriding for agency leaders. In the FA channel, all of it is paid to the firm, which shares it with the IFAR at its Payout Rate, the percentage of the firm's share paid to the IFAR.
Siling Komisyen Ikut Tahun, % Sumbangan TahunanCommission Ceiling by Year, % of Annual Contribution
Tahun 1: firma FA terima 65%, ejen terima 40% daripada siling yang samaYear 1: the FA firm receives 65%, the agent receives 40% of the same ceiling
Setiap pasangan bar sama tinggi setiap tahun. Yang berubah ialah siapa yang menerima bahagian itu.
Each pair of bars is the same height every year. What changes is who receives each part.
Ejen, Komisyen Asas (125%)Agent, Base Commission (125%)
Ketua agensi, Overriding (46%)Agency leaders, Overriding (46%)
Firma FA, komisyen (161%), dikongsi dengan IFAR ikut kiraan firmaFA firm, commission (161%), shared with the IFAR per the firm's own calculation
Firma FA, Bonus Persistency (10%)FA firm, Persistency Bonus (10%)
Bonus Persistency firma FA bersyarat persistency 90% (tahun 1) dan 80% (tahun 2). Siling ialah had maksimum, jadi pengendali boleh membayar kurang dan kadar sebenar berbeza ikut produk. Sumber: Schedule 2 dan Schedule 5, Appendix I, PD Operating Cost Controls for Life Insurance and Family Takaful Business (24 Disember 2019).
The FA firm's Persistency Bonus depends on 90% (year 1) and 80% (year 2) persistency. A ceiling is a maximum, so operators may pay less and actual rates differ by product. Source: Schedule 2 and Schedule 5, Appendix I, PD Operating Cost Controls for Life Insurance and Family Takaful Business (24 December 2019).
65%berbandingversus40%
Siling Tahun PertamaFirst-Year Ceiling
Firma FA berbanding Komisyen Asas ejen, pada siling maksimum. IFAR menerima bahagian daripada 65% itu ikut kiraan firma.
The FA firm versus the agent's Base Commission, at the maximum ceiling. The IFAR receives a share of that 65% under the firm's own calculation.
171%kedua-dua saluranboth channels
Jumlah Enam TahunSix-Year Total
Kolam yang sama. Ejen menerima 125% daripadanya, manakala bahagian IFAR bergantung pada Kadar Payout firma.
The same pool. An agent receives 125% of it, while an IFAR's share depends on the firm's Payout Rate.
10% bersyaratconditional
Bonus Persistency FirmaFirm's Persistency Bonus
Dibayar kepada firma FA hanya jika persistency 90% pada tahun pertama dan 80% pada tahun kedua tercapai.
Paid to the FA firm only if 90% persistency in year one and 80% in year two are achieved.
Bahagian IFAR daripada 65% Ditentukan oleh Setiap FirmaEach Firm Sets the IFAR's Share of the 65%
BNM hanya menetapkan siling yang boleh dibayar pengendali kepada firma FA. Berapa yang sampai kepada IFAR ditentukan oleh firma FA itu sendiri, ikut polisi dan terma firma masing-masing. Lain firma, lain kiraan, termasuk sama ada Bonus Persistency dikongsi dan bagaimana BSC dilaksanakan.
BNM only sets the ceiling an operator may pay to an FA firm. How much reaches the IFAR is decided by each FA firm under its own policies and terms. Different firms calculate differently, including whether the Persistency Bonus is shared and how the BSC is applied.
Di TSI Wealth PlannersAt TSI Wealth Planners
Komisyen Tahun Pertama lebih tinggi berbanding ejen Takaful, dan jurangnya bertambah bila naik pangkat. Tanya butirannya dalam sesi BYC.
First-Year Commission is higher than a Takaful agent's, and the gap widens with each promotion. Ask for the details in the BYC session.
Siling Komisyen ikut jenis produkCommission Ceiling by product typeTradisional, ILP, sumbangan tunggal, perubatan dan Takaful AmTraditional, ILP, single contribution, medical and General Takaful
Jenis produkProduct type
Siling ejenAgent ceiling
Siling saluran FAFA channel ceiling
Takaful Keluarga tradisional, bayaran 20 tahun ke atasTraditional Family Takaful, 20-year payment term and above
161% dan 10% Bonus Persistency161% plus a 10% Persistency Bonus
Tradisional, bayaran bawah 20 tahunTraditional, payment term under 20 years
Diprorata ikut tempoh (t dibahagi 20)Prorated by term (t divided by 20)
Diprorata ikut tempoh (t dibahagi 20)Prorated by term (t divided by 20)
Pelan berkaitan pelaburan (ILP), sumbangan berkalaInvestment-linked plan (ILP), regular contribution
Tiada siling sejak 1 Julai 2020No ceiling since 1 July 2020
Tiada siling sejak 1 Julai 2020No ceiling since 1 July 2020
ILP sumbangan tunggal dan top-upILP single contribution and top-up
3.75%
3.75%
Tradisional sumbangan tunggalTraditional single contribution
10%
10%
Perlindungan semata-mata berdiri sendiriStandalone pure protection
Tiada siling, bersyarat produk sama ditawarkan di saluran langsungNo ceiling, provided the same product is offered in the direct channel
SamaSame
Takaful perubatan dan kesihatan (MHIT) berdiri sendiri, boleh baharu tahunanStandalone medical and health Takaful (MHIT), yearly renewable
15%
15%
MHIT, rider lainMHIT, other riders
15%
15%
MHIT kumpulanGroup MHIT
10%
10%
Anuiti tertangguhDeferred annuity
3%
3%
Takaful AmGeneral Takaful
Siling ikut kelas perniagaanCeiling by class of business
Siling ikut kelas perniagaanCeiling by class of business
Sumber: PD Operating Cost Controls for Life Insurance and Family Takaful Business (24 Disember 2019), PD Medical and Health Insurance/Takaful Business (29 Februari 2024), dan PD Operating Cost Controls bagi Takaful Am (2023).
Sources: PD Operating Cost Controls for Life Insurance and Family Takaful Business (24 December 2019), PD Medical and Health Insurance/Takaful Business (29 February 2024), and the PD on Operating Cost Controls for General Takaful (2023).
Apa yang seragam dan apa yang berbezaWhat is uniform and what differsSiapa menetapkan setiap bahagian komisyenWho sets each part of the commission
PerkaraItem
Ditetapkan olehSet by
Seragam atau berbezaUniform or different
Siling jumlah 171%, Komisyen Asas maksimum 125%, Overriding maksimum 46%Total ceiling 171%, maximum Base Commission 125%, maximum Overriding 46%
BNM
SeragamUniform
Jadual komisyen sebenar setiap produkActual commission schedule for each product
PengendaliOperator
Berbeza ikut produkDiffers by product
Pembahagian Overriding antara peringkat ketuaSplit of Overriding between leader tiers
Pengendali, dalam had 46% dan maksimum tiga peringkatOperator, within the 46% cap and up to three tiers
Pengendali, had agregat 3% sumbanganOperator, aggregate cap of 3% of contributions
BerbezaDiffers
Insentif ketua agensi, sokongan pejabat dan latihanAgency leader incentives, office support and training
Ketua agensiAgency leader
Berbeza, tiada data awamDiffers, no public data
Kaedah prorata bagi tempoh bayaran pendekProrating method for short payment terms
Pengendali, dalam had t dibahagi 20Operator, within the t divided by 20 limit
BerbezaDiffers
Kadar produk tanpa siling (ILP, perlindungan semata-mata)Rates on products without a ceiling (ILP, pure protection)
PengendaliOperator
BerbezaDiffers
Bonus breakaway dan ejen kerjayaBreakaway and career agent bonuses
Pengendali, dalam had BNM (breakaway maksimum 50% purata Overriding dua tahun)Operator, within BNM limits (breakaway up to 50% of two years' average Overriding)
Berbeza dalam hadDiffers within limits
Ambang BSC yang lebih ketat dan bayaran outperformerStricter BSC thresholds and outperformer payouts
Berkongsi komisyen dengan ejen pengendali lain, atau jualan melalui skim MLMSharing commission with another operator's agents, or selling through MLM schemes
BNM
Dilarang untuk semuaProhibited for all
Kadar Payout, overriding dan bonus IFARIFAR Payout Rate, overriding and bonuses
Firma FAFA firm
Berbeza ikut firmaDiffers by firm
Sumber: PD Operating Cost Controls (2019), perenggan 12.4, 12.5 dan nota kaki 7; PD Professionalism of Insurance and Takaful Agents (2023), perenggan 9.11 dan 13.1.
Sources: PD Operating Cost Controls (2019), paragraphs 12.4, 12.5 and footnote 7; PD Professionalism of Insurance and Takaful Agents (2023), paragraphs 9.11 and 13.1.
06Buku Renewal LamaOld Renewal Book
Buku Renewal Lama Tidak Hangus Secara AutomatikYour Old Renewal Book Does Not Simply Vanish
Ramai ejen risau Komisyen Renewal daripada klien lama hilang sebaik sahaja bertukar. Dokumen Polisi Operating Cost Controls (Appendix I, perenggan 1.7.20) mewajibkan pengendali terus membayar Komisyen Renewal kepada bekas ejen dan bekas ketua agensi yang menjadi FAR, dengan tiga syarat.
Many agents worry that Renewal Commission from existing clients disappears the moment they switch. The Policy Document on Operating Cost Controls (Appendix I, paragraph 1.7.20) requires operators to keep paying Renewal Commission to former agents and agency leaders who become FARs, under three conditions.
5 TahunYears
Tempoh PeralihanTransition Period
Komisyen Renewal terus dibayar sepanjang tempoh peralihan lima tahun.
Renewal Commission continues to be paid throughout a five-year transition period.
85% MinimumMinimum
Persistency IndividuIndividual Persistency
Syaratnya persistency individu anda sekurang-kurangnya 85%, dikira atas sumbangan.
The condition is your individual persistency of at least 85%, measured on contributions.
AsasBase SahajaOnly
Tanpa OverridingNo Overriding
Bayaran terhad kepada Komisyen Asas. Overriding atas buku itu kekal dibayar kepada ketua agensi asal.
Payment is limited to Base Commission. Overriding on that book continues to go to the original agency leader.
Tempoh Peralihan Selepas BertukarTransition Period After the Switch
Hari dilantik sebagai FARDay appointed as FAR1TahunYear2TahunYear3TahunYear4TahunYear5TahunYear
Komisyen Renewal atas buku lama dibayar selagi persistency individu 85% ke atasRenewal Commission on the old book is paid as long as individual persistency stays at 85% or above
Memindahkan sijil klien lama ke pengendali lain akan menjatuhkan persistency buku lama, yang menjadi syarat 85% di atas, dan boleh tertakluk peraturan penggantian sijil. Cara tempoh peralihan dilaksanakan juga boleh berbeza ikut pengendali, jadi semak dengan pengendali asal anda.
Moving existing clients' certificates to another operator will lower the persistency of your old book, which is the 85% condition above, and may fall under certificate replacement rules. How the transition period is applied can also differ by operator, so check with your original operator.
07Persistency dan BSCPersistency and BSC
Persistency dan BSC: Diukur di Kedua-dua SaluranPersistency and BSC: Measured in Both Channels
Ejen dan IFAR sama-sama dinilai melalui BSC, iaitu penilaian prestasi yang menentukan 25% komisyen. Bagi IFAR, KPI persistency ialah 90% pada tahun pertama dan 80% pada tahun kedua, dan BNM melaporkan saluran FA mencatat kadar persistency tertinggi.
Agents and IFARs are both assessed through the BSC, a performance assessment that determines 25% of commission. For IFARs, the persistency KPI is 90% in the first year and 80% in the second, and BNM reports that the FA channel records the highest persistency.
Data BNM tentang saluran FABNM data on the FA channel
Dalam ucapan di persidangan Association of Financial Advisers (AFA) pada Julai 2024, Penolong Gabenor BNM menyatakan saluran FA mencatat kadar persistency tertinggi berbanding ejen dan bancatakaful selama tiga tahun berturut-turut, bagi kesemua sepuluh tahun sijil yang diukur.
In a speech at the Association of Financial Advisers (AFA) conference in July 2024, a BNM Assistant Governor stated that the FA channel recorded the highest persistency rate compared with agents and bancatakaful for three consecutive years, across all ten certificate years measured.
Berat KPI dalam BSCKPI Weights in the BSC
Persistency membawa 55% berat bagi ejen dan 40% bagi IFARPersistency carries 55% of the weight for agents and 40% for IFARs
IFAR pula diukur atas perbandingan tiga pengendali, KPI yang tiada dalam BSC ejen.
IFARs are also measured on comparing three operators, a KPI absent from the agent's BSC.
Persistency tahun 1Year 1 persistency
Persistency tahun 2Year 2 persistency
CFF
Pilihan 3 pengendali3-operator options
Aduan berasasValid complaints
CPD
Ejen TakafulTakaful AgentSkor 50% hingga 150%Score 50% to 150%
P1 25%P2 30%CFF 20%10%CPD 15%
IFARCapai atau tidakMet or not met
P1 20%P2 20%CFF 20%3 TO 20%10%10%
Sumber: Schedule 1, Appendix II, PD Operating Cost Controls (ejen); Appendix I dan perenggan 14.7 hingga 14.14, PD Prudent and Professional Conduct by Financial Advisers (FAR).
Sources: Schedule 1, Appendix II, PD Operating Cost Controls (agents); Appendix I and paragraphs 14.7 to 14.14, PD Prudent and Professional Conduct by Financial Advisers (FARs).
Jadual KPI penuh, ejen berbanding IFARFull KPI table, agent versus IFARBerat, sasaran dan pengecualian awalWeights, targets and initial exemptions
KPI
Ejen TakafulTakaful Agent
IFAR
Persistency tahun 1Year 1 persistency
Berat 25%, tahap normal 90%Weight 25%, normal level 90%
Berat 20%, minimum 90%Weight 20%, minimum 90%
Persistency tahun 2Year 2 persistency
Berat 30%, tahap normal 80%Weight 30%, normal level 80%
Berat 20%, minimum 80%Weight 20%, minimum 80%
Customer Fact Find (CFF)Customer Fact Find (CFF)
Berat 20%, tahap normal 70%Weight 20%, normal level 70%
Berat 20%, minimum 80%Weight 20%, minimum 80%
Pilihan daripada 3 pengendaliOptions from 3 operators
TiadaNone
Berat 20%Weight 20%
Aduan berasasValid complaints
Berat 10%, sifarWeight 10%, zero
Berat 10%, sifarWeight 10%, zero
CPD
Berat 15%, 30 jamWeight 15%, 30 hours
Berat 10%, 20 jamWeight 10%, 20 hours
Pengecualian awalInitial exemption
Dua tahun pertama bagi ejen baharu industriFirst two years for agents new to the industry
Dua tahun pertama bagi FAR baharu, tetapi bekas ejen terus dinilai mulai tahun kalendar berikutnyaFirst two years for new FARs, but former agents are assessed from the following calendar year
Cara persistency dikira, ejen berbanding IFARHow persistency is calculated, agent versus IFARDefinisi, siapa mengira dan skop produkDefinition, who calculates and product scope
AspekAspect
Ejen TakafulTakaful Agent
IFAR
Definisi rasmiOfficial definition
Sumbangan sijil baharu berkala yang masih berkuat kuasa di akhir tahun sijil pertama dan kedua (PD OCC, perenggan 5.2)Contributions of new regular certificates still in force at the end of the first and second certificate years (PD OCC, paragraph 5.2)
PD Conduct menyebut persistency tahun pertama dan kedua tanpa definisi sendiri, dan lazimnya mengikut definisi yang samaPD Conduct refers to first- and second-year persistency without its own definition, and usually follows the same one
Siapa mengiraWho calculates
Pengendali, atas sijil ejen di pengendali itu sahajaThe operator, on the agent's certificates with that operator only
Firma FA, gabungan sijil daripada semua pengendali dalam panelThe FA firm, across certificates from every operator on its panel
Ambang BSCBSC thresholds
Bertingkat. Tahun pertama 85, 90, 92.5 dan 95%; tahun kedua 75, 80, 85 dan 90%Tiered. Year one 85, 90, 92.5 and 95%; year two 75, 80, 85 and 90%
Capai atau tidak, pada 90% dan 80%Met or not met, at 90% and 80%
Skop produkProduct scope
Produk sumbangan berkala yang tertakluk garis panduan nasihatRegular-contribution products under the advice guidelines
Sama, dengan pengecualian MHIT berdiri sendiri, produk kumpulan, keyman, MRTT, pemasaran langsung dan top-up (perenggan 14.9)Same, excluding standalone MHIT, group products, keyman, MRTT, direct marketing and top-ups (paragraph 14.9)
Komisyen BSC yang tidak dibayarUnpaid BSC commission
Ikut polisi pengendaliPer the operator's policy
Wajib digunakan untuk latihan khusus FAR itu sendiri, bukan untuk ganjaran pihak lain (perenggan 14.13 dan 14.14)Must be used for that FAR's own targeted training, not to reward others (paragraphs 14.13 and 14.14)
08Dapat dan TanggungGains and Commitments
Apa Yang Anda Dapat, Apa Yang Anda TanggungWhat You Gain, What You Take On
Apa Yang Anda DapatWhat You Gain
Pelbagai PengendaliMany Operators
Firma IFA wajib membawa pilihan daripada sekurang-kurangnya tiga pengendali bagi setiap kelas, jadi syor boleh dipadankan dengan keperluan klien.
An IFA firm must offer options from at least three operators for each class, so recommendations can be matched to the client's needs.
PD Conduct 12.1
Mewakili KlienRepresenting the Client
IFAR mewakili klien melalui firma, dan menilai pelan daripada pelbagai pengendali sebelum membuat syor.
An IFAR represents the client through the firm, and assesses plans from many operators before recommending one.
FSA, IFSA
Modul 2 Sudah DikiraModule 2 Already Counts
Tiada peperiksaan masuk berasingan. Modul 2 yang anda lulus sebagai ejen ialah satu daripada tiga modul minimum IFAR.
There is no separate entry examination. The Module 2 you passed as an agent is one of the three minimum IFAR modules.
MFPC
Buku Renewal Lama DilindungiOld Renewal Book Protected
Komisyen Renewal atas buku lama terus dibayar dalam tempoh peralihan lima tahun, jika persistency anda 85% ke atas.
Renewal Commission on your old book keeps being paid through a five-year transition period, if your persistency is 85% or above.
PD OCC 1.7.20
Persistency TertinggiHighest Persistency
BNM melaporkan saluran FA mencatat kadar persistency tertinggi berbanding ejen dan bancatakaful.
BNM reports that the FA channel records the highest persistency rate compared with agents and bancatakaful.
BNM, Julai 2024BNM, July 2024
Skop Nasihat Lebih LuasWider Advice Scope
Firma FA boleh menganalisis dan mengatur produk perbankan dan perbankan Islam, yang berguna untuk Perancangan Pewarisan dan pembiayaan klien.
FA firms may analyse and arrange banking and Islamic banking products, which helps with clients' estate and financing planning.
PD Conduct 13.1, 13.2
Apa Yang Anda TanggungWhat You Take On
Sepenuh MasaFull-Time
FAR mesti dilantik sepenuh masa, jadi kontrak ejen perlu ditamatkan sebelum lantikan.
A FAR must be appointed full-time, so the agency contract has to end before the appointment.
PD Conduct 14.2(d)
Kelayakan Lebih TinggiHigher Qualification
Tiga modul Shariah RFP atau IFP berbanding satu modul bagi ejen, dengan yuran dan masa belajar.
Three Shariah RFP or IFP modules compared with one for agents, with fees and study time.
MFPC, FPAM
Dokumentasi Nasihat Lebih KetatStricter Advice Records
Setiap syor disokong pilihan daripada tiga pengendali, atau penjelasan dan persetujuan bertulis klien jika pilihan terhad. Sasaran Customer Fact Find (CFF) pula 80%, berbanding 70% bagi ejen.
Every recommendation is backed by options from three operators, or an explanation and the client's written consent if options are limited. The Customer Fact Find (CFF) target is 80%, against 70% for agents.
PD Conduct 12.1, 12.2
Faedah Datang daripada FirmaBenefits Come from the Firm
Pengendali hanya boleh memberi FAR komisyen dan latihan produk, dan BSC FAR tiada skala outperformer. Faedah lain datang daripada firma.
Operators may only give FARs commission and product training, and a FAR's BSC has no outperformer scale. Other benefits come from the firm.
PD OCC 1.7.21
Akauntabiliti TerbukaPublic Accountability
Nama anda tersenarai dalam direktori BNM dan tertakluk kepada kriteria Fit and Proper. Perkataan “independent” pula dilarang tanpa kelulusan bertulis BNM.
Your name is listed in the BNM directory and subject to Fit and Proper criteria. The word “independent” is prohibited without BNM's written approval.
PD Conduct 12.3
Bergantung pada FirmaDepends on the Firm
Panel pengendali, sistem, Kadar Payout dan sokongan pentadbiran ialah keputusan firma. Pilihan firma sama penting dengan keputusan untuk bertukar.
The operator panel, systems, Payout Rate and admin support are the firm's decisions. Choosing the firm matters as much as deciding to switch.
Ikut firmaFirm policy
Exposure Draft Proper Advice PracticesExposure Draft on Proper Advice PracticesDraf, belum berkuat kuasaDraft, not yet in force
Draf BNM bertarikh 30 September 2026 mencadangkan firma FA dan IFA mendedahkan senarai pengendali yang boleh diperoleh di awal CFF, bersama konflik kepentingan. Draf yang sama mencadangkan perantara tidak mengesyorkan sebarang produk jika tiada yang sesuai dengan keperluan dan kemampuan klien, dan merekod sebab, kos serta kehilangan manfaat bila mencadangkan penggantian sijil.
A BNM draft dated 30 September 2026 proposes that FA and IFA firms disclose the list of operators they can source from at the start of the CFF, together with conflicts of interest. The same draft proposes that intermediaries recommend no product if none suits the client's needs and affordability, and record the reasons, costs and loss of benefits when proposing a certificate replacement.
Jika dimuktamadkan, rak produk yang lebih luas menjadi kelebihan praktikal. Maklum balas dibuka sehingga 31 Januari 2027. Halaman ini akan dikemas kini bila BNM memuktamadkannya.
If finalised, a wider product shelf becomes a practical advantage. Feedback is open until 31 January 2027. This page will be updated once BNM finalises it.
09Mitos vs FaktaMyth vs Fact
Empat Salah Faham dalam Kalangan EjenFour Misconceptions Among Agents
MitosMyth
“Jadi IFAR, renewal lama saya hangus.”“If I become an IFAR, my old renewals are gone.”
Klik untuk faktaTap for the fact
FaktaFact
Pengendali wajib terus membayar Komisyen Renewal sepanjang tempoh peralihan lima tahun, jika persistency individu anda 85% ke atas, terhad kepada Komisyen Asas.Operators must keep paying Renewal Commission for a five-year transition period, if your individual persistency is 85% or above, limited to Base Commission.
KembaliBack
MitosMyth
“IFAR tak perlu risau tentang persistency.”“IFARs don't need to worry about persistency.”
Klik untuk faktaTap for the fact
FaktaFact
BSC FAR ada KPI persistency 90% dan 80%, membawa 40% berat. Bonus Persistency firma juga hanya dibayar bila sasaran yang sama dicapai.A FAR's BSC has persistency KPIs of 90% and 80%, carrying 40% of the weight. The firm's Persistency Bonus is also only paid when the same targets are met.
KembaliBack
MitosMyth
“Boleh kekal ejen sambil jadi IFAR.”“I can stay an agent while being an IFAR.”
Klik untuk faktaTap for the fact
FaktaFact
FAR mesti dilantik sepenuh masa oleh firma FA, jadi kontrak ejen perlu ditamatkan sebelum lantikan.A FAR must be appointed full-time by an FA firm, so the agency contract has to end before the appointment.
KembaliBack
MitosMyth
“IFAR ialah penasihat independent.”“An IFAR is an independent adviser.”
Klik untuk faktaTap for the fact
FaktaFact
Perkataan “independent” dilarang tanpa kelulusan bertulis BNM. IFAR mewakili klien dan boleh menilai pelan daripada pelbagai pengendali, tetapi firma masih menerima komisyen daripada pengendali.The word “independent” is prohibited without BNM's written approval. An IFAR represents the client and can assess plans from many operators, but the firm still receives commission from operators.
KembaliBack
Salah faham tentang FAR secara umum dijawab di Misconceptions about FARs in general are answered in Asas FARFAR Basics, dan tentang syarat kemasukan di , and about entry requirements in Kerjaya IFARIFAR Career.
Tanya Terus, Kemudian Buat KeputusanAsk Directly, Then Decide
Dalam sesi Build Your Career (BYC), anda boleh tanya terus tentang Kadar Payout, panel pengendali dan proses peralihan sebelum membuat sebarang keputusan. Sesi ini percuma melalui Zoom.
In a Build Your Career (BYC) session, you can ask directly about the Payout Rate, the operator panel and the transition process before making any decision. The session is free, via Zoom.
Setiap Rabu minggu kedua, 10.00 pagiSecond Wednesday of every month, 10.00 am
