NEW – Premium Membership Form

Is Your Family Ready to Face a Day Without You?

When a loved one passes away, the family is often left not only with emotional grief — but also with financial and legal burdens. KhairatPlus is designed to ease that burden by providing immediate financial support and a clear roadmap for inheritance distribution.

DID YOU KNOW?

What to do in the event of a passing

On the death day

In times of grief, the family needs to handle matters such as burial arrangements, khairat information, who to contact, and what steps to take.

Prepare a Message for Your Heirs to ease your family’s responsibilities

after funeral

When you pass away, all assets will be frozen until the Inheritance Distribution process is completed. This usually takes 6 months or longer.

Set aside funds for your family, settle debts, and manage the inheritance

inheritance distribution

Manage inheritance properly to prevent disputes among family members. Start the inheritance distribution process early.

Prepare a complete and Shariah-compliant Will document

Protects your family’s future

KhairatPlus

Package that includes Khairat and Inheritance Planning

  • Fees as low from RM80 – RM600/annually
  • Khairat Benefits from RM5,000 – RM50,000
  • Will Document and Notes to Heirs
  • Pewarisan Premium Membership
When you passed away…

What should the heirs do?

By preparing a Notes to Heirs, it will make it easier for your heirs to know important information such as death benefit (Khairat Kematian), who to contact, and other related details.

After the burial, heirs will need to provide documents such as the Death Certificate and contact us to begin the inheritance management process.

We will also initiate the claim process for any khairat funds (if available) from the takaful company. The funds will be deposited directly into the heir’s bank account within 30 days once the application is complete and processed.

Many have already benefited.
When will it be your turn?

  • I learned from this website that if a husband passes away, the wife is not the Property Guardian for underage/disabled children, and the wife’s faraid share is 1/8. Alhamdulillah, my husband agreed to subscribe to KhairatPlus and prepare a Will. Thank you, Pewarisan, for the valuable advice.
    Suraya Kamal
    33 years old, Housewife
  • I never thought of making a will because I didn’t really understand it, and the cost with other companies was quite high. With KhairatPlus, I can afford to prepare a Will and provide Khairat for my family. Following my advice, all my children and in-laws have already subscribed to KhairatPlus.
    Jamil Hassan
    62 years old, Retiree
  • I subscribed to the KhairatPlus Package and completed my Will in just 30 minutes. I gained a lot of knowledge while preparing my inheritance documents. It was very easy, and the service provided was excellent. Most importantly, the price is really affordable.
    Abdullah Ismail
    41 years old, Engineer
  • When our father passed away, we received RM50,000 from KhairatPlus. We used it to settle his debts, perform badal hajj, give infaq, cover inheritance distribution costs, and support family expenses. He had also prepared a Will and Notes to Executors, which made the inheritance distribution process much easier. Alhamdulillah.
    Katijah Omar
    21 years old, University Student

FAQs

All packages include Will Writing, Notes to Heirs, and Pewarisan Premium Membership

Package A – RM80/annually
– Khairat: RM5,000

Package B – RM150/annually
– Khairat: RM10,000

Package C – RM330/annually
– Khairat: RM25,000

Package D – RM600/annually
– Khairat: RM50,000

Package E – RM50/annually
– No Khairat

Package a

RM80

/yearly
  • For member below age 64 years old
  • Khairat : RM5,000
  • Will and Notes to Heirs
  • Additional benefits of Pewarisan Premium Membership
Package b

RM150

/yearly
  • For member below age 64 years old
  • Khairat : RM10,000
  • Will and Notes to Heirs
  • Additional benefits of Pewarisan Premium Membership
Package c

RM330

/yearly
  • For member below age 64 years old
  • Khairat : RM25,000
  • Will and Notes to Heirs
  • Additional benefits of Pewarisan Premium Membership
Package D

RM600

/yearly
  • For member below age 64 years old
  • Khairat : RM50,000
  • Will and Notes to Heirs
  • Additional benefits of Pewarisan Premium Membership
Package E

RM50

/yearly
  • For member age 16 years old and above
  • For those age 65 years old and above, can only subsribe to Package E (Without Khairat)
  • Khairat : None
  • Will and Notes to Heirs
  • Additional benefits of Pewarisan Premium Membership

Note : If the member subscribes before the age of 65, they may continue this subcription until the age of 70.

  • For Packages that include Khairat (Packages A, B, C, and D), you must be between 15 and 64 years old.
  • If you join before the age of 65, you can continue subscribing until the age of 70.
  • You must also be a Malaysian citizen.
  • Click the Subscribe KhairatPlus button.
  • Choose the package that best suits you and your family.
  • Enter your details (name, email, phone number, and IC number).
  • Make the payment.
  • You will receive a WhatsApp message and further instructions.

The policy will be activated 2 months after the Registration Date, which is the cooling-off period.

  1. Suicide; or
  2. Death due to HIV, AIDS, or other sexually transmitted diseases; or
  3. Being under the influence of alcohol or drugs (except as prescribed by a registered medical practitioner); or
  4. Death caused by war, invasion, acts of foreign enemies, hostilities, warlike operations (declared or undeclared), or civil war; or
  5. Rebellion, riots, military or civil uprisings, insurrection, revolution, curfew, state of emergency, or any event leading to the declaration or enforcement of such orders; or
  6. Any act of terrorism (including but not limited to the use of force, violence, or threats) carried out individually or in groups, whether linked to organizations or governments, for political, religious, ideological reasons, or to influence governments/organizations and/or cause fear in the public; or
  7. The Covered Person engaging in, operating, servicing, boarding, or disembarking from any aircraft or aerial device (including skydiving, parachuting, bungee jumping, hang gliding, or hot air ballooning), except as a passenger on a licensed commercial flight with a fixed schedule; or
  8. Any unlawful act or offense committed by the Covered Person; or
  9. Participation in water activities requiring artificial breathing equipment; or
  10. Death caused by nuclear fission, nuclear fusion, nuclear weapons, or radioactive contamination; or
  11. Death caused by insect bites (e.g., mosquitoes) or worm/parasite infections.
  12. Claims for critical illnesses are only valid after 120 days.
  13. Claims related to pre-existing conditions are excluded during the first year of subscription.
  14. No khairat coverage during the first 2 months from the date of joining.

Family Expenses
You should prepare at least 6 months’ worth of expenses while waiting for the estate administration process to be completed.
For example, if your family’s monthly expenses are RM3,000, you will need RM18,000.

Debt Repayment
Set aside a sufficient amount to cover all outstanding debts.

Inheritance Distribution Costs
If your total assets exceed RM5 million, the inheritance distribution cost can be more than RM10,000.

Making a will is an important step in estate and family planning as it ensures that the wishes of the testator are respected and carried out after their passing. Here are the main reasons why a will is necessary:

  • Appointing a Trusted Executor: The testator can appoint an executor to manage the distribution of assets and ensure all matters are handled with integrity.
  • Ensuring Family Welfare: A will allows the testator to decide on the care of minor children or dependents, appoint guardians, and provide instructions on managing assets.
  • Bequeathing One-Third of Assets: The testator may allocate up to one-third of their assets for charitable purposes or specific individuals.
  • Settlement of Debts and Liabilities: A will ensures that all debts of the testator are settled before the estate is distributed among heirs.
  • Avoiding Delays and Legal Issues: A clear will speeds up the distribution process and reduces the risk of disputes among heirs.
  • Protecting Vulnerable Family Members: The testator can safeguard vulnerable family members by appointing a guardian for their inheritance.

With a will, the testator can ensure that all matters relating to assets and responsibilities are managed in an orderly and lawful manner, preventing complications and providing peace of mind.

Leaving Notes to Heirs is important to ensure that the wishes of the deceased are respected after their passing. It helps in:

  • Asset Distribution: Prevents conflicts by providing clear guidance on inheritance.
  • Family Welfare: Ensures the care of family members, especially those needing special attention.
  • Debt Settlement: Makes sure debts are paid off before assets are distributed.
  • Reducing Emotional Burden: Provides guidance to the family, easing stress during a difficult time.
  • Protecting Assets: Ensures that assets are properly managed and not left unattended.
  • Preventing Disputes: Avoids disagreements with clear and specific instructions.

In summary, such instructions ensure that matters after death are handled smoothly, fairly, and according to the wishes of the deceased.

  • Heirs are required to report the death of a KhairatPlus member by visiting https://pewarisan.my/contact-us and completing the details provided.
  • The heirs must attach a copy of the death certificate/burial permit and any relevant medical report, and upload these documents on the Pewarisan website.
  • Our officer will contact the heirs for further action regarding estate management and the cash claim provided under KhairatPlus.
  • Claims must be submitted and reported by the heirs within 30 days from the date of death. Any claims made after this period will be invalid and will not be processed by Pewarisan.
  • Cash payment will be disbursed to the heirs by the takaful provider within 30 working days, subject to the terms and conditions.

Steps we recommend if there is an estate of a family member that has not yet been initiated or completed:

  • Appoint one heir to act as the applicant.
  • Prepare the Death Certificate of the deceased.
  • Prepare copies of the Identification Cards (ICs) of the heirs.
  • Prepare copies of immovable property documents (house, land).
  • Prepare copies of movable property documents (bank accounts, Tabung Haji, vehicle grants, etc.).

Next, fill in your details at https://pewarisan.my/#consultation and our officer will contact you for the next process.

Do not let this happens to your family

One of the main causes of disputes among heirs in inheritance matters is the lack of understanding about Faraid and the concept of Islamic inheritance.

Another issue arises when the deceased did not prepare a Will or appoint an Executor and Property Custodian for minor children.

Inheritance distribution are also often delayed due to incomplete documentation

All of this can be avoided with KhairatPlus — only RM50/year to ease your heirs’ responsibilities.