1. Client Engagement & Relationship Building

• Identify potential clients through networking, referrals, events, and online platforms.

• Understand clients’ needs by conducting financial and protection needs analysis.

• Educate clients about the concept of Takaful and how IT aligns with Islamic principles.

• Build trust-based, long-term relationships to ensure ongoing service and referrals.

2. Advisory & Product Recommendations

• Recommend suitable Takaful plans (life, health, education, savings, retirement, etc.) based on clients’ goals.

• Explain product benefits, contributions, terms, and exclusions clearly.

• Ensure advice is Shariah-compliant and in line with regulatory guidelines.

3. Sales & Business Development

• Achieve monthly/quarterly/yearly sales targets set by the agency or company.

• Participate in marketing campaigns to generate leads and brand awareness.

• Upsell and cross-sell relevant products to existing clients.

4. Compliance & Documentation

• Ensure all proposals, forms, and disclosures are completed accurately.

• Adhere to Bank Negara Malaysia (BNM) and Shariah Advisory Council regulations.

• Maintain confidentiality of clients’ personal and financial information.

5. After-Sales Service

• Provide policy servicing — updates, claims assistance, beneficiary changes.

• Keep clients informed about policy anniversaries, renewals, and maturity benefits.

• Offer continuous financial reviews to adapt to clients’ changing needs.

6. Professional Growth & Team Contribution

• Attend training and development programmes to improve skills and product knowledge.

• Share market feedback with the agency/company for product improvements.

• Mentor new consultants when experienced.

MGKL Resources