Necessity of takaful
in your life.
- family takaful plan not only protects the participants but it ensures well-being.
- it allows one to get protection and freedom at the same time
- one family takaful plan not because he was going to die but to ensure that the lives of loved ones secure.
- takaful concept is a form of cooperation among participants who had promised to help each other if misfortune.
Takaful plan features
- based on Islamic law
- based on tabarru
- not a sale and purchase contract
- no element ghara
- no gambling
- no element of riba
The benefits of takaful.
Through the
spirit of cooperation and joint-responsibility among participants, the act of
charity and benevolence allows participants the opportunity to obtain two forms
of benefit. First the monetary benefits through the Takaful plan itself.
Secondly the “benefits” in the spiritual sense, through the act of Tabarru’
(donation), participants will receive God’s grace and blessings in life
Hereafter. The Takaful system does not differentiate colour or creed; it is
meant to benefit all participants, irrespective of their religious beliefs.
IKHLAS HAJJ
SAVINGS TAKAFUL is a packaged plan consists of IKHLAS Savings Takaful (IST)
with top-up option, IKHLAS Immediate Death Expense Takaful Rider (IDE) and
IKHLAS Critical Illness Takaful Rider (CI). This plan has its own target group.
The plan is packaged such that it provides a means to accumulate fund for the
purpose of performing Hajj or other noble intention. The coverage provided in
this plan encompasses death and total permanent disability benefits as well as
critical illness benefit.
WHAT DOES
IKHLAS HAJJ SAVINGS TAKAFUL COVER?
1. DEATH
BENEFIT
[This
Takaful Benefit is guaranteed by the Tabarru' fund]
Death
benefit equivalent to the Sum Cover plus the accumulated amount in PIA will be
payable to the Participant's nominee(s) or next of kin. The nominee(s) or the
next of kin is encourage to use part of the death benefit to pay for
"Badal Haji" on behalf of the Participant.
2. TPD
BENEFIT
[This
Takaful Benefit is guaranteed by the Tabarru' fund] In the event of total and
permanent disablement of the Participant within the term of the Certificate,
the Sum Cover plus the accumulated amount in PIA will be payable to the
Participant.
3. IMMEDIATE
DEATH BENEFIT
[This
Takaful Benefit is guaranteed by the Tabarru' fund]
Immediate
Death Expense benefit equivalent to RM 2,000 will be payable within 24 hours
(since submission of claim form, burial permit or death Certificate to the
company) to the Participant's nominees or next of kin.
4.
ACCELERATED CRITICAL ILLNESS BENEFIT
[This
Takaful Benefit is guaranteed by the Tabarru'fund]
RM 10,000
is payable upon Participant being diagnosed assuffering from any critical
illnesses as defined in Certificates contract. Benefit payment(s) under this
benefit will reduce the base Sum
Cover.
5. TOP-UP
BENEFIT
[This
Takaful Benefit is not guaranteed]
Top-up is
an additional Contribution which functions like a regular savings account by
financial institution. The amount of
top-up will be determined at the onset based on the expected (or desired) amount to be achieved at maturity.
6.MATURITY
BENEFIT
[This
Takaful Benefit is not guaranteed]
A lump sum
amount equivalent to the balance in the PIA and PRIA, is payable upon maturity.
Things to note:
TERMS AND AGE LIMIT
Issue Age : 30 days - 60 years old, age next birthday
Expiry Age : Minimum expiry age 20 years old and
Maximum expiry age of 65 years old
Coverage Terms : 5, 10, 15, 20 and 25 years
Plan option:
IF INTERESTED TO ASK MY ADVICE AND WANT TO TAKE TAKAFUL FOR YOURSELF OR YOUR FAMILY THROUGH MY EMAIL/PHONE :
# atenafiqah@yahoo.com / 0134222049
FOR ANY INQUIRIES YOU CAN DIRECT CALL OR EMAIL ME
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