HLMTHuman Leucocyte Migration Inhibition Test
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This is especially true for newly established companies such as Sun Life Malaysia Takaful Berhad ([SLTB] formerly known as Commerce Aviva Takaful Berhad) during 2008-2009 financial year, PBTB (during 2007-2008) and Hong Leong MSIG Takaful Berhad (HLMT) in almost every year.
Meanwhile HLMT, despite being silent regarding the above fee, actually charges between 9 to 12 per cent of the PRF investment profit (Hong Leong MSIG Takaful Berhad, 2008, 2010).