Takaful Ikhlas

Suatu pagi hari Rabu 28 Julai 2010

Kak leha : Lin,kakwan ader ni..dgrlah pasal takaful tu...
Lin : okey...

Jadi, saya pun dgn senang hati ingin mendengar penjelasan oleh Kakwan yg juga manager insurans...dah full time dia wat insuran ni...2 tahun yg lalu, saya masih belum bersedia untuk membayar seratus sebulan untuk insuran nyawa...tetapi,  sejak sebulan lepas...dapat hidayah kot...saya memang nak cari insuran nk cover diri saya dan family...org kata..pucuk dicita,ulam mendatang...hehe...saya pun tanpa berfikir 2 kali lagi terus agree nak join takaful ikhlas ni...disebabkan yakin & percaya dengan pelan takafulnya....Kakwan kata " Lin boleh x simpan rm150 sebulan?"Ermmmmm...berat jugak tu...kutu saja dah RM500!Kete lagi...setelah dihitung2 agar polisi saya cantik, maka, saya bersetuju untuk melaburkan RM130 sebulan demi masa depan saya nanti...xpela...menabung sehinggalah umur saya 55 tahun!dalam masa tu kalolah tetiba saya ditimpa musibah, sekurang2nya saya tidak membebankan family saya nanti....hutang PTPTN kena langsaikan...
Oh ye!saya juga bersetuju nk jadi agen tau!28 Ogos ni kena exam...hehe...dapat buku takaful untuk study!harap2 pass ar...lehla jadi agen insurans nanti....

Di samping buat n3 ni, saya masukkan juga info2 berkaitan...cilup dari website takaful arni...hehe


What does IKHLAS Lifestyle cover?

Death & Total Permanent Disability (TPD) Benefit - In the event of death or TPD of the participant within the term of the certificate, the Sum Covered (SC) plus the accumulated amount in the PIA are payable to the participant’s nominees or next of kin. An additional Funeral Expense benefit of 10% of SC, subject to a maximum of RM10,000.00 is payable to the next of kin in the event of participant’s death.

Note: In the event of TPD, the benefits are payable to the participant.
Maturnity Benefit
Upon maturity of the certificate, participant will receive the accumulated amount in the Personal Investment Account (PIA).



Why IKHLAS Lifestyle?
Healthy Lifestyle
The participant shall be entitled for a free medical check-up at the end of every five (5) certificate years, subject to a maximum of three (3) check-ups throughout the certificate term. Takaful IKHLAS will determine the type of check-up that participants are entitled, as deemed fit and suitable.

For favourable result(s) from every medical check-up, the Participant will be granted an additional FREE SC of RM1000.00 for each every initial RM10,000.00 SC. However, should the result(s) be unfavourable, no additional cover shall be granted.
Cash Withdrawal
Partial cash withdrawals from the PIA are allowed after the certificate has been in force for a minimum number of five (5) years. Only three (3) withdrawals are allowed during the lifetime of the certificate. Subsequent withdrawals must satisfy a minimum gap period of two (2) years between withdrawals. A transaction fee of RM15.00 is chargeable from the PIA for each transaction.

Top-Up Contribution Option 
Top-up contributions are allowed from the commencement of the certificate. The amount of top-up shall be subject to a minimum of RM50.00 per top-up. This top-up amount shall be solely allocated to the PIA.
Conditions:
In reference to the total permanent disablement of the participant, the benefit payable is subject to an elimination period of six (6) months, provided that :
(i)The total and permanent disability claim is confirmed
(ii)The total and permanent disablement is based on "any occupation" definition
(iii)The contributions are not overdue

Term and age limit
Issue Ages:18 – 55 years old (age of next birthday, male/female)
Issue Limits:Minimum – RM50,000.00 Sums Covered
Maximum – Subject to underwriting decision (in multiples of RM10,000)
Expiry Age:Upon attaining 60 years old

Protect your future while enjoying better returnsOur IKHLAS Model allows a bigger portion of your account to be utilized for investment purposes, which gives you a more optimized rate of return. It also provides for more frequent allocation of investment income and surplus to the participant’s investment account. Immediate reinvestment of these investment income and surplus will in turn provide a better total return.
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