-- AKARD AWARD APPLICATION FORM

1) AKARD Personal Gold

• Production requirement to qualify for 2026 AKARD Personal Gold is RM113,000 of eligible production credit.
• A minimum of 60 percent (RM67,800 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Anyone applying for Personal Gold will be ineligible to qualify for Personal Platinum, Personal Diamond and Personal Titanium within the same award year.
• All rules and regulations concerning AKARD members apply.

2) AKARD Personal Platinum

• Production requirement to qualify for 2026 AKARD Personal Platinum is RM225,000 of eligible production credit.
• A minimum of 60 percent (RM135,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Anyone applying for Personal Platinum will be ineligible to qualify for Personal Gold, Personal Diamond and Personal Titanium within the same award year.
• All rules and regulations concerning AKARD members apply.

3) AKARD Personal Diamond

• Production requirement to qualify for 2026 AKARD Personal Diamond is RM375,000 of eligible production credit.
• A minimum of 60 percent (RM225,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Anyone applying for Personal Diamond will be ineligible to qualify for Personal Gold, Personal Platinum and Personal Titanium within the same award year.
• All rules and regulations concerning AKARD members apply.

4) AKARD Personal Titanium

• Production requirement to qualify for 2026 AKARD Personal Titanium is RM1,125,000 of eligible production credit.
• A minimum of 60 percent (RM675,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Anyone applying for Personal Titanium will be ineligible to qualify for Personal Gold, Personal Platinum and Personal Diamond within the same award year.
• All rules and regulations concerning AKARD members apply.

5) AKARD Leaders' Direct

• Production requirement to qualify for 2026 AKARD Leaders' Direct is RM450,000 of eligible production credit.
• A minimum of 80 percent (RM360,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Leaders' Direct is defined as business from the Leaders' Direct Unit Performance.
• All rules and regulations concerning AKARD members apply.

6) AKARD Million Dollar Agency

• Production requirement to qualify for 2026 AKARD Million Dollar Agency is RM1,000,000 of eligible production credit.
• A minimum of 80 percent (RM800,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Anyone with RM3,750,000 eligible production credit must apply for the Mega Million Dollar Agency category.
• Million Dollar Agency is defined as business from the Leaders' Direct Unit Performance and direct down line Managers. Excluding break-away / spin-off.
• All rules and regulations concerning AKARD members apply.

7) AKARD Mega Million Dollar Agency

• Production requirement to qualify for 2026 AKARD Mega Million Dollar Agency is RM3,750,000 of eligible production credit.
• A minimum of 80 percent (RM3,000,000 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• Mega Million Dollar Agency is defined as business from the Leaders' Direct Unit Performance and direct down line Managers. Excluding direct break-away / spin-off.
• All rules and regulations concerning AKARD members apply.

8) AKARD Grand Mega Million Dollar Agency

• Contact NAMLIFA office for production requirement details.
• All rules and regulations concerning AKARD members apply.

9) AKARD Star Rookie

• Production requirement to qualify for 2026 AKARD Star Rookie is RM83,000.
• New agents (Rookie Agents) may qualify once in his career.
• Production count includes all business done within the first twelve months from date of agents' contract.
• A minimum of 60 percent (RM49,800 paid FYP) must come from policies listed under Unlimited Credit.
• Additional premium credit may come from Limited Credit.
• There are two accepted scenarios: The Rookie agent fulfils production requirement within 12 months shall apply for AKARD Star Rookie before closing date. If the 12th month goes past the closing date, Rookie agent shall apply the same award before the closing date in the following year.

10) AKARD Builders

• Definition of Agency Leader in this context will include Agency Managers' and Unit Managers' direct agencies.
• AKARD Builders Award is divided into 4 categories and Agency Leaders can apply for only one award category subject to a minimum number of qualifiers within the agency as follows:
  • Silver - 3 AKARD Awardees
  • Gold - 6 AKARD Awardees
  • Platinum - 9 AKARD Awardees
  • Diamond - 12 & Above AKARD Awardees
  • Builder 100 - 100 & Above Awardees

11) AKARD 101

• Minimum 101 cases (new cases written and stay in force within the calendar year)

12) AKARD Life Members

• An individual becomes a qualified AKARD Member for the year when his/her application papers are approved.
• Anyone who qualify as a 10th time AKARD Member can apply for AKARD Life Member without any additional payment provided that their NAMLIFA membership is still in force.
• Life status is maintained in future years by submitting an application each year with production or attesting to having met current minimum production levels and by paying the required dues.

PRODUCTION CREDIT

A. UNLIMITED CREDIT

Products from life insurance companies:

• Life (Individual) Traditional
• Takaful Link
• Investment Link - Regular maximum annual premium (AP) limit
• Top Up exceed AP limit
• Single premium (Whole Life and Investment Link)
• Plans and premium payment from 20 years and above
• Plans with less than 20 years premium payment
• Accidental death and disability and Personal Accident (individual)
• Health care (individual)
• Critical illness (individual)
• Disability income contracts (individual)
• Long-term care (individual)
• Pensions (individual)
• Accidental death and disability (group)
• Health care (group)
• Critical illness (group)
• Disability income contracts (group)
• Life (group)
• Long-term care (group)

B. LIMITED CREDIT

Products from non-life insurance companies:

• Accidental death & disability and Personal Accidental (individual)
• Health care (individual)
• Pensions (annual premium) from non-life company
• Pensions (single premium) from non-life company
• Health care (group)
• Mutual Funds / Unit Trust Funds

CERTIFYING LETTERS

A letter to certify your eligible production credit must be duly signed by an official of your company and attached to this application upon submission.

All applications without a letter of certification will be considered incomplete and will be ineligible for any award consideration.

These companies may include life insurance companies, takaful operators, brokerage companies, banks or mutual fund / unit trust companies. Brokerage companies are defined as third party wholesalers of insurance/takaful and investment products that are provided to agents on behalf of insurance/takaful and investment companies. Should an applicant be an official of a brokerage company, the product provider who pays the commissions must sign the certifying letter.

AKARD MEMBER'S BENEFITS

Recognition on Stage during the National Level Annual AKARD Awards Night for:

• Top 30 AKARD Personal Titanium Award
• Top 20 AKARD Leaders' Direct Award
• Top 20 AKARD Mega Million Dollar Agency Award
• Top 20 AKARD Builders Award
• Top 15 AKARD Star Rookie Award
• Top 15 AKARD 101

Recognition on Stage during the Branch Level Annual AKARD Awards Night for:

• All remaining AKARD Awardees

National Level Annual AKARD Awards Recognition Night
Top 10 AKARD qualifiers will be notified of dinner, venue and date via email by NAMLIFA National.

Branch level Annual AKARD Awards Recognition Night
All remaining AKARD qualifiers will be notified by respective NAMLIFA Branch Committees.

PREMIUM CREDIT

NOTE 2: FILING DEADLINE

The filing deadline for all materials (application, all fees, certifying letter, if applicable) is 30th April 2026. All applications received after 30th April 2026 will be charged a RM50.00 late filing fee.

Submissions must be received before 30th April 2026 to be included in the ranking for the TOP 150 AKARD qualifiers. All decisions made by NAMLIFA will be final and no appeals will be entertained. At point of online application form submission, kindly ensure to attach your photo to PDF or JPEG in the online AKARD Registration System latest by 30th April 2026, (6.00 PM). All photos received from 1st May 2026 onward, may not be included in the 2026 AKARD e-souvenir program book. Kindly ensure the photo is of high resolution with plain background.

AKARD CODE OF ETHICS

Members of AKARD should be ever mindful that complete compliance with and observance of the Code of Ethics of AKARD shall serve to promote the highest standards of membership. These standards will be beneficial to both public and the insurance/takaful and financial services profession.

THEREFORE, MEMBERS SHALL:

1. Always place the best interests of their clients above their own direct or indirect interests.
2. Maintain the highest standards of professionalism and give proper advice to clients by seeking to maintain and improve professional knowledge, skills and competence.
3. Hold in the strictest confidence, and consider as privileged, all business and personal information pertaining to their clients' affairs as required under the PDPA 2010.
4. Make full and adequate disclosures of all facts necessary to enable their clients to make informed decisions.
5. Maintain personal conduct, which will reflect favorably on the life insurance/takaful industry and the AKARD.
6. Determine that any replacement of a life insurance/takaful or financial product must be beneficial to the client.
7. Abide by and conform to all provisions of the laws and regulations in the jurisdictions in which they do business.

Important Note:

NAMLIFA reserves the right to reject the application or withdraw the Award (if the award has been presented) if and when a member is proven to have committed any breach of conduct in relation to misrepresentation, mis-selling, phantom agent and all the like. NAMLIFA also reserves the right, at the discretion of the National Council, to announce such decision in the press. All payments made by the member to NAMLIFA shall not be refunded.

APPLICANT CERTIFICATION STATEMENT

1. I have read, understood and agree to abide by all the provisions of the AKARD Code of Ethics and the Applicant Certification Statement included in this material.
2. My application to AKARD does not include any business resulting from the cancellation or surrender of an existing policy, except for that portion of any such issued business which is in excess of the original AKARD credit of such cancelled or surrendered policy or policies.
3. I am personally eligible for the production credit claimed. I am entitled to all future credit on my paid business as reported; I have not assigned or promised to assign any of these credits. Full details of any exceptions are attached.
4. If I am a member of a corporation, a partner in a partnership, or associated with a corporation or partnership as an employee on a salary or percentage of production basis, I have taken credit only for the proportionate share of paid business to which I am entitled under the terms of my agreement with my associates.
5. If I am a manager or leader, I have taken credit only for business to which I am entitled. No part of my qualification credits arise through spin-offs or equivalent.
6. No credit has been claimed for my business, which is beyond the limitation on personal production on my life, my spouse or dependents.
7. I HEREBY AUTHORISE NAMLIFA to obtain from all sources such additional information and documents as it deems necessary in connection with this application for previous years. I hereby agree to cooperate fully in obtaining and submitting such additional information and documents, including but not limited to my hereby waiving of the privileges of any privacy laws. I hereby agree to cooperate fully in obtaining and submitting such additional information and documents to release it, without incurring liability to me, to NAMLIFA and upon NAMLIFA's request.

DECLARATION

1. I confirm that all information given is true and complete. I hereby authorise NAMLIFA to verify the information from whatever source, and by whatever means that NAMLIFA considers appropriate.
2. If any information is subsequently found to be inaccurate and has contributed to the organisers being misled into accepting this application, NAMLIFA reserves the right to retract the recognition.
3. I confirm that I shall be subject to the terms and conditions governing the application of NAMLIFA AKARD membership and shall indemnify NAMLIFA against any claims and liabilities.
4. I understand that NAMLIFA reserves the right to decline an application without giving any reason.
5. Any broken plaques/awards may be replaced for a fee of RM 250 per piece. (All broken plaques/awards must be returned before replacements are processed).
6. I undertake to keep the plaque/award for my own purposes and not to sell, lend or give it to anyone else.
7. NAMLIFA reserves the right to change the venue or date of the Annual Award Dinner if necessary, without prior notice.
8. I agree that by signing on the NAMLIFA AKARD application form, shall constitute my acceptance of and my agreement to be bound by the terms and conditions contained in this form.