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A future built with Caliph Group
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Build a career of impact.

Caliph Group is a platform for transformation — where every person can grow into a leader and every decision creates lasting value.

01 Why Caliph

More than a job —
a place to grow.

We invest in our people with world-class training, technology and a culture that lifts everyone up.

Caliph Academy

Structured training that turns potential into professional excellence.

Visit Caliph Academy ↗

Smart Technology

Innovative tools that make advising seamless and client-focused.

Leadership Path

Our ALC system builds real leaders, not just agents.

People-First Culture

A collaborative community that celebrates diversity and wins together.

★ Elite Future Leader · EFL

Kickstart your takaful career —
with income support.

Going full-time or new to the industry? The Elite Future Leader (EFL) programme by Sun Life Malaysia — offered through Caliph Group — backs high-potential advisors with flexible income support while you build your business, so you can focus on growing, not just getting by in the early months.

Up to RM15K
Flexible monthly income allowance + commission
Up to 24
Months of income support as you build
+10%
Introducer bonus when you help others join
100%
Training, tools & coaching to win
Full-time advisor with a sales / marketing drive
Age below 50
Both conventional & takaful licence (Sun Life Malaysia)
Committed to training & daily activity tracking
Driven to recruit and grow a team
Subject to panel interview & performance criteria

Elite Future Leader is a Sun Life Malaysia programme offered through Caliph Group. Figures shown are indicative maximums; eligibility, validation and full terms & conditions apply.

EFL Types of Scheme

Three flexi-income packages.

Pick up the pace at your level. Each package steps your monthly income allowance up as you hit higher production tiers — always on top of your commission.

Package 3K
Up to RM8,000
Flexible monthly allowance + commission — ideal for building momentum.
RM3,0009K AFYP · 3 cases
RM5,00015K AFYP · 3 cases
RM8,00024K AFYP · 3 cases
Most popular
Package 5K
Up to RM10,000
A higher base for advisors already producing consistently.
RM5,00015K AFYP · 3 cases
RM8,00024K AFYP · 3 cases
RM10,00030K AFYP · 4 cases
Package 8K
Up to RM15,000
The top track for high performers scaling fast toward leadership.
RM8,00024K AFYP · 3 cases
RM10,00030K AFYP · 4 cases
RM12,00036K AFYP · 4 cases
RM15,00045K AFYP · 4 cases

Your package is assigned to the tier closest to 80% of your average income over the last 3 months. Targets shown are monthly AFYP/AFYC with the required case count; a case means a policy/contract of at least RM1,800 AFYP/AFYC. Allowances are paid on top of commission, subject to validation (persistency, training & activity) and full terms & conditions.

Caliph Academy

Where knowledge
builds the future.

Our education arm develops talent into professionals. Caliph Academy delivers a Double Diploma in Business Administration (Muamalat) — two globally trusted qualifications — alongside the structured training that turns new agents into confident financial leaders.

Dual-accredited by MQA (Malaysia) & the London Examinations Board (UK)
LOYLA — a leadership expedition to Oxford & London
Shariah-compliant curriculum, in collaboration with UTM SPACE
Visit Caliph Academy
A Caliph Academy graduate in cap and gown holding her diploma
02 Your Path In

Opportunities for everyone.

Wherever you're starting from, there's a route for you.

Our Culture
"Caliph Group serves as a platform for transformation — where every decision creates lasting value."
Own Your Tomorrow
3,200+
Agents nationwide
240+
Financial advisors
15+
MDRT qualifiers 2024
12+
Years developing leaders
Join Us

Your future starts
with one step.

Tell us a little about yourself and our team will reach out to guide you in.