October 31, 2014

Jangan Ambil Mudah Tentang Takaful

7 Perkara anda perlu ambil tahu tentang Takaful dan jangan ambil mudah.


  • Buatlah catatan tentang tarikh premium/caruman perlu dibayar. Sekiranya bayaran tidak dibuat mengikut tarikhnya, polisi insurans hayat anda mungkin luput. Click URL ini untuk panduan bayaran caruman secara atas talian.
  • Pastikan anda sentiasa meminta resit sebagai bukti pembayaran atau save bukti bayaran online anda di folder yang selamat.
  • Pastikan umur, nama penuh, alamat surat menyurat dan lain-lain maklumat penting anda yang tercatat di dalam borang permohonan adalah tepat dan benar.
  • Sentiasalah menyemak semula keperluan insurans anda berdasarkan keperluan dan keutamaan.
  • Simpan dokumen-dokumen polisi anda di tempat yang selamat termasuk resit bayaran original, laporan doktor, dsb.
  • Buat salinan maklumat asas seperti syarikat insurans pengeluar polisi anda, jenis polisi, nombor polisi dan nama-nama waris anda di tempat lain.
  • Selalu rujuk ejen insurans/takaful anda jika terdapat sebarang kemusykilan atau hubungi segera HQ operator Takaful untuk maklumat lanjut. 

October 30, 2014

Pencetus Ummah Musim Kedua

Pada Selasa, 28 Oktober lepas berlangsungnya majlis sidang akhbar Pencetus Ummah di Hotel Royale Chulan. En Nor Azman Zainal, Pengarah Pemasaran, Prudential BSN Takaful berada di sana mewakili ‪‎PruBSN‬ selaku penaja utama rancangan realiti ini. Saksikan bermula 13 November 2014 ini di saluran Astro Oasis (Saluran 106) dan Maya HD (Saluran 135).

Syukur alhamdulillah.

Hashtag : #PencetusUmmah #PruBSN

Pencetus Ummah Musim 2

Pencetus Ummah kembali berdakwah

#PencetusUmmah
En.Nor Azman Zainal (paling kanan), Pengarah Pemasaran #PruBSN bersama para juri, penerbit rancangan serta pengarah program di majlis sidang media #PencetusUmmah

October 29, 2014

Petua Merawat Saluran Darah Jantung Tersumbat

Resepi ini diberikan oleh Mufti Mohammed Kantharvi, London UK untuk di kongsi bersama.

Bahan 

1 cawan pati Halia – lebih kurang 6 inci halia yang di blender.
1 cawan pati Bawang Putih – lebih kurang 5-6 labu bawang putih yang dikupas dan dikisar.
1 cawan pati Lemon – lebih kurang 4-5 biji lemon
1 cawan pati Cuka Apple
3 cawan Madu Kelulut (800gm)

For Your Heart Vein Opening
For Your Heart Vein Opening

Cara Hidangan

Campurkan semua bahan di atas dan masak dengan api yang sederhana selama 1 jam (60 minit) atau sehingga bahan campuran ini tinggal 3 cawan. Sejukkan, kemudian campurkan dengan 3 cawan madu kelulut semulajadi, dan simpan dalam balang yang bersih.

Minum campuran ubat ini satu (1) sudu makan setiap hari sekali sehari sebelum sarapan pagi atau seusai solat subuh. Amalkan sehingga 30 hari dan rasai perbezaannya. dengan izin Allah, rawatan ini akan berhasil.

Rujukan :
http://suratiundhiyu.files.wordpress.com/2011/02/garlic-juice-heart-desease-cure-ja1.pdf
Tip Kesihatan Bersama Syarih - Petua merawat Saluran Darah Jantung Tersumbat

October 25, 2014

Dengan Takaful Aku Berdakwah

Bismillahirahmanirrahim. Dengan nama Allah yang Maha penyayang lagi Maha pengampun.

Salam Maal Hijrah 1436H Bersamaan 2014/2015 Masihi.

Syukur Alhamdulillah. Allah masih memberi peluang dan kesempatan kepada kita semua dengan rezeki yang baik, kesihatan yang baik,

Moga kita sentiasa bersabar dan bersyukur dengan rezeki yang kita miliki pada hari ini, walaupun nilainya sedikit. Semoga di dalam rezeki yang sedikit itu, ada keberkatan di dalamnya. Insya Allah.

Dengan Takaful aku berdakwah, alhamdulillah. Maksud dakwah dari segi istilah ialah mendorong manusia agar berbuat kebajikan dan petunjuk. Menyuruh mereka berbuat yang ma`ruf dan mencegah mereka daripada melakukan perbuatan mungkar, agar mereka mendapat kebahagiaan di dunia dan di akhirat.

Bersama Nur Hanania & Ahmed Hadif di Alamanda Putrajaya


October 24, 2014

The Takaful Rendezvous 2014

Making Takaful Fighting Fit for the Future


3 Easy Ways to Register

Registration
Subscribers:         US$1,480
Non Subscribers: US$1,680 *
(*Free One Year Subscription to Print Edition of Asia Insurance Review + AIR eDaily)

Call Ms Loga for individual/ or group registrations at +65 6372 3184, Fax: +65 6224 1091 or Email: loga@asiainsurancereview.com with your full contact details.

Group registration: Special Offer for Year 2014 - Register two delegates from the same company, and send the third delegate to attend the conference free of charge!
(Valid only for delegates from the same company in the same country)

Download the Registration Form and Fax to: +65-6224 1091 or email the completed Registration Form to loga@asiainsurancereview.com

October 22, 2014

Providing Financial Protection

Life Insurance: Providing Financial Protection

If you have any feedback or questions, or, would like to contact us to discuss a case, please contact us at +601128261061 - after all, resolving your needs, goals and priorities in financial protection is our priority.



Your comments and suggestions are welcome and will assist us in continuously improving our services.

Thank you

Khaidir Zakaria, Cyberjaya
+6011 2826 1061
Find us on google maps http://goo.gl/03yuQw

October 20, 2014

Life Insurance, Yay or Nay?

MANY of us purchase insurance to cover ourselves for a rainy day. However, most people buy them blindly, not finding out enough about the policy or generally just not knowing what they’re getting in to.



The following are some mistakes to avoid when you’re considering to take up an insurance plan.

Future cash value based on present rates: One of the biggest mistakes people make when buying insurance is thinking that the cash values shown or presented are future values, says Success Concepts Life Planners chief executive officer Joyce Chuah.

“These are in fact present values that may not be sufficient for future consumption, be it for education or retirement. Education and cost of living inflation rates can be as high as 6% to 8% per annum.

“A RM1mil cash value will only be worth, in real terms, approximately RM300,000 in 20 years, assuming the education costs or personal living costs rise 6% per annum,” she says.

Non-disclosure of pre-existing ailments: Honesty is the best policy when applying for an insurance proposal, says licensed financial adviser and syariah financial advisory for Excellentte Consultancy Jeremy Tan.

“The truth in declaring the ailments a person has or had will save the hassle of the claims rejected in later years when death or disability or dreaded diseases occur. This happens when the insurer discovers it has not been declared earlier.”

Mistaking the plan for something it’s not: Confusing insurance as an investment tool rather than something for protection against unexpected events like death, disability or disease is another common mistake people make, says Chuah.

“We should just aim to have the highest coverage at the lowest premiums. Instead, invest the difference in a separate investment portfolio meant for your personal goals.

“Returns may not be that great from an insurance plan even if it is an investment-linked plan, as some parts of your premiums go towards the cost of insurance and is not 100% invested.”

She adds that many people think it is safer to invest in an insurance plan because of the word “guaranteed cashflows” or “guaranteed portions,” not knowing that what is guaranteed are usually risk-free rates – namely, what you would get from normal deposits.

“They are probably not aware that not everything is guaranteed and the cash values are just projections into the future at estimated returns on investments.

Purchasing policies too late: Tan points out that a lot of people purchase policies only in later years and when their health conditions have deteriorated.

“The costs of insurance and premiums to be paid will be higher than buying when you are at a younger age.

“In later years, due to certain health conditions, one may not be able to obtain full coverage, namely with the exclusion and/or loading on top of normal premiums.”

Unable to understand insurance terminology: When this happens, a person may not be able to verify if the proposal presented is suitable or not, says Chuah.

“There are just too many different technical terminologies which can be confusing to the lay person.”

She says that in most cases, people just let the agent propose and accept premiums as they are presented.

“Sometimes the agents offer riders which are not necessary or may even intentionally increase premiums by topping up more premiums into investments (if it is an investment-linked plan).

“I am not saying such methods are bad, but if the person’s cash flow is limited, it may be better to have higher coverage at a lower premium by removing some unnecessary riders and/or additional investments.”

Not purchasing an insurance policy: This, in itself, is a big mistake, says Tan.

“When life risks occur, we will need to draw on and even deplete our savings which may be needed for other living expenses.

“This is more critical in phases of life when we have dependents and in later years when we are economically not viable anymore,” he says.

There are no such thing as guarantees: “Guaranteed saving plans do not really guarantee much hedging against inflationary risks,” says Chuah.

“Imagine almost an instant 10% guaranteed return on the sum assured within the first year. Think again. How is that possible and where do they get the 10% return in just a short time?

“Work out the internal rate of return which takes into account time value of money paid (which is earlier) and money distributed (which comes later). Are you giving up your purchasing power for something which you may not need?” she asks.

Source http://www.thestar.com.my/Business/Business-News/2014/07/12/Mistakes-to-avoid-when-buying-insurance/?style=biz

Saturday, 12 July 2014
By: EUGENE MAHALINGAM