Kuala lumpur: AIA Public Takaful Bhd has declared a record surplus of RM84 million to be distributed to eligible certificate holders for the financial year ended Dec 31, 2024 (FY2024).

According to BERNAMA News Agency, the amount benefits approximately 617,000 certificate holders and represents a 19 percent increase from the RM70.7 million distributed in 2023, marking the company’s highest surplus distribution to date. AIA Public highlighted that this strong surplus reflects the quality of its active certificate portfolio and is attributed to the company’s strategic focus on building a productive and professional agency force.

The company noted that eligible certificate holders were notified of their surplus distribution in phases starting from July 2025 via postal mail, email, and SMS. Additionally, notifications are available via the AIA+ mobile app, allowing customers to access their Surplus Letter conveniently at any time.

For active certificates, the surplus amount was credited in June 2025 to the Participant’s Investment Fund or Participant’s Account, in accordance with the terms of the certificate. AIA Public urged customers who have not received any notification to contact their respective Life Planners or call AIA Public’s Careline at 1300-88-8922 for further assistance.

In line with the principles of takaful, which promote mutual assistance and community support, customers participating in selected AIA Public plans were also given the option to donate their surplus to charity. For FY2024, nearly 11,000 certificate holders chose to contribute their surplus, totaling RM2.53 million to AIA Public’s Penyala Harapan Charity Fund, marking a 15 percent increase from the previous year’s contribution of RM2.2 million. This growing participation highlights the deepening commitment among customers to uplift community wellbeing and strengthen charitable initiatives that empower Malaysians to live healthier, longer, and better.

Takaful surplus refers to the excess in the Participants’ Risk Fund after deducting claims, reserves, and capital requirements. It is determined annually by the takaful operator and shared proportionately among eligible participants who made no claims and whose certificates remained active during the year.