Protect Your Home & Family Today

Make sure your home loan is protected — so your family is never burdened if the unexpected happens.
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What Is MLTT / Hibah?

MLTT (Mortgage Level Term Takaful) / Hibah is a Takaful protection plan that covers your home loan in the event of death or total permanent disability. The payout is used to settle the outstanding loan balance and, depending on the plan, provide an additional cash sum to your beneficiaries.
95% – 100%
Average Approval Rate
Subject to health & age underwriting
Bank / Panel Access

Benefits Of MLTT / Hibah

Protects your family from debt burden

Outstanding loan is settled if something happens

Cash payout to your beneficiaries

Flexible, customisable coverage

Genuine peace of mind

Advantages Of MLTT / Hibah With Us

  • FREE plan consultation
  • Custom coverage strategy based on your needs
  • Fast approval process
  • Full A-Z support, from plan selection to policy issuance

More About MLTT / Hibah

Many homeowners focus only on getting their loan approved — but forget about protecting it afterward. Without protection, your beneficiaries may need to bear the outstanding debt, and your home could be at risk of foreclosure. With MLTT / Hibah, the loan is settled, your family is protected, and the asset remains within the family.

Frequently Asked Questions About MLTT / Hibah

It is not compulsory, but it is highly recommended by banks and financial experts.
MLTT coverage stays the same throughout the tenure, while MRTT coverage decreases along with the outstanding loan.
Yes, you can base it on your loan amount or your desired level of protection.
It depends on age, coverage, and tenure — we help you find the best option.
Yes, this can be updated at any time.

Steps To Apply For MLTT / Hibah

  • 1. Consultation — Identify your protection needs
  • 2. Plan Comparison — Choose a plan that fits your needs
  • 3. Submit Application — Complete the form & documents
  • 4. Underwriting — Health / eligibility review
  • 5. Approval — Plan is approved
  • 6. Policy Issued — Your protection becomes active

Ready For MLTT / Hibah?

Free consultation, no obligation. Our consultant will contact you as soon as you submit the form.
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