Takaful Consultant Family & Life Takaful
Life cover that keeps your family protected, sized to your real needs.
Takaful Consultant
Hi, I'm Raff. I help Malaysian families manage money with confidence.
"Tak susah. Janji faham."
500+
families
helped
helped
Protection · Capspring Temasik
The takaful I manage for you.
Pick whatever weighs on your mind right now. We start there.
Children's Education Takaful
Build your child's university fund while protecting them if anything happens to you.
Takaful Medical Card
Covers rising hospital bills so your savings stay intact.
Critical Illness
A lump-sum payout on diagnosis, so you can focus on recovery, not lost income.
Employee Medical Benefits
Group medical and protection for your staff: I handle company takaful, not just families.
Hibah & Estate Planning
Benefits reach the right people, following faraid and your wishes, without dispute.
Every family is different. Let's chat and find the plan that fits →
Independent & not tied
I'm not tied to one company.
The best part of this work isn’t selling: it’s getting to solve the problem in front of you. Everyone’s needs are different, and with access to 9 takaful companies it’s far easier to find something that genuinely fits yours.
Every company has its own strengths and weaknesses. When I can mix & match across several of them, you get the strongest overall benefit for the same ringgit, one company’s weak spot covered by another’s strength.
For example:
- One company is strong on medical cards.
- Another is strong on life protection.
- Another is strong on critical illness.
- Some will still cover someone who already has a condition.
- Some get expensive at certain ages.
- Some are cheap, but their app is painful when you need to claim.
So I compare first, then suggest. Based on what fits you, not on what pays me.
The licence behind my practice
What is Capspring Temasik?
Capspring Temasik Financial Group is a Malaysian financial advisory firm that has been operating since 2013. It holds the Financial Advisory (FA) licence for both conventional and takaful under Bank Negara Malaysia, and partners with most insurance and takaful companies in Malaysia.
My role
I am a registered takaful Marketing Representative under Capspring Temasik.
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Licensed & regulated
Holds the Financial Advisory licence for both conventional and takaful, under Bank Negara Malaysia.
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Not tied to one company
Because Capspring partners across the market, I can compare 9 takaful companies and suggest what fits you, not what one company needs to sell.
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Operating since 2013
The structure behind your takaful certificate is not something new.
Policy review & restructure
Already covered? Let’s make it work harder.
Takaful costs have been climbing and most people just absorb it. You don’t have to. Because I can rebuild the same protection across 9 takaful companies, there is usually room to move, and the review itself is free.
Three ways a restructure can land
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Same cover, lower monthly
Keep the protection you have, pay less for it each month.
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Same monthly, more cover
Keep your budget where it is, get more protection for it.
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More cover and lower monthly
When the mix & match works out, both at once.
Send me your current policy Free, no obligation. I’ll come back with what I’d change and what I’d leave alone.
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Your four walls come first
Food, shelter, transport, utilities. If takaful payments are eating into those, something needs fixing. Nobody should stop feeding their kids to keep a certificate alive.
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Do it while you’re healthy
My own application was rejected once after a bad medical check-up. It took a year of dieting and check-ups every three months to get approved. Review yours while your health still gives you options.
And sometimes the honest answer is keep what you have. If moving doesn’t leave you better off, I’ll say so. The best plan is the one that fits you, not the one that sounds best.
Guidance · Urus Wang Mudah
UWM OS, the AI money coach for Malaysian families.
Urus Wang Mudah (UWM) is the money hub Raff founded. UWM OS is its AI money coach: enter your real numbers and get a clear plan you can actually follow.
Guided, not generic. 25 modules, based on your own ringgit.
Not a budgeting app, not a course. A money coach in plain Malay and English.
Pay once, yours forever. Works with everyday AI assistants.
Explore UWM OS From RM47 · education, not licensed advice
About me
Why I do this work.
I started because of one frustrating truth: financial guidance in Malaysia is usually too generic, or too expensive to reach. Most of us just feel lost talking about money.
So I work differently: explain first, sell later. Understand every decision before you sign, with no hard selling and no jargon.
I'm not a licensed financial adviser. I'm a takaful consultant who helps you understand your options, then choose what fits. I run my practice under Capspring Temasik, and founded Urus Wang Mudah.
Raff Abdullah Let's get acquainted
Join the team · R Cubed
Want to build a takaful career the right way?
R³ is Rooted, Refined, Resolute: three sides, one cube. If those values are yours, build your takaful practice with us.
Mentored, not left alone
Learn the "explain first, sell later" craft, not a sales script. Guided step by step.
Platform & resources
Access to 9 takaful companies, plus UWM OS for your clients.
One standard, one team
You carry the R Cubed name: Rooted, Refined, Resolute. You are never on your own.
For people who want to help others understand money, not just sell.
Got a question about takaful? Let's chat, free.
Just starting out, or want a second opinion on an existing policy? No hard selling. I listen first, then suggest.
Chat with Raff on WhatsAppI usually reply within a few hours.