Pelan SARJANA

Each year, 3% increase of cost to pursue your children study to a higher level may really burden you. So many parents have been suffering shortage of money to pursue their children study to IPTA or IPTS.

As we at Etiqa Takaful, try to help you maximize your life, we also ensure that your child will receive the education he deserves, we also ensure that your child is covered should anything unexpected happen to him.

The Etiqa Takaful Sarjana Plan combines savings and coverage and is an effort to provide a special fund for your child’s future education.

COVERAGE BENEFITS
Should death or total permanent disability happen to the payer all the basic contributions including the Rider on the child except additional savings will be settled until the maturity date or when the child dies or experiences permanent total disability, whichever comes first.

Should the child die, this contract will pay the Coverage Benefit together with the Participant Account and the accumulated profit.
Should the child experience disability, this contract will pay a disability benefit as stated in the schedule.

ADDITIONAL BENEFIT
Educational Fund Disbursement – Withdrawal of money from the Participant Account (AP) is allowed 3 years before the maturity date.



MATURITY BENEFIT
Once this contract matures, the participant will receive the whole accumulated amount in the AP including the profit from the AP and the excess from the Participant Special Account.

Pelan PRIMA

eTiQa Takaful Prima is a very special plan with scheduled returns and absolute freedom in the current financial planning, education, umrah and ziarah, travelling, investment etc.


BENEFITS
The total coverage lump sum will be paid out within the effective contract period should death happen.

If total permanent disability happens, the coverage sum will be paid in 3 payments: 20% of the coverage amount and the Accumulated Participant Account and profit from the Participant Account when the disability is confirmed; 40% at the end of the first and second year from the date of disability.

Survival Benefits – Every 3 years beginning from the end of the third year of contract: 10% of the coverage amount based on an investment return of 4% per year.

Scheduled survival benefit balance including Participant Account as well as the Participant Account’s profit and Excess Participant Special Account.

The surrender value of the accumulated Participant Account from the second year of surrender.

For whatever reason, if you are not able to continue with the contribution, you may choose one of the options in the ‘provision of non-forfeiture’ to continue with the participation.

QUALIFICATION OF PARTICIPATION
Age limit: 6 months to 54 years (on the following birth date)

Etiqa WARISAN

Matlamat:

Menyediakan simpanan berpelindungan yang komprehensif untuk jangka panjang bagi membantu ketika persaraan tanpa membebankan peserta
nKelebihan Takaful Warisan

1)Produk ini membenarkan pengeluaran dari akaun simpanan peserta setiap tahun sekali selepas 3 tahun menabung.

2)Ianya juga tidak membebankan peserta kerana peserta boleh memilih untuk berhenti menabung pada usia 55 tahun atau 60 tahun atau 65 tahun. Kelebihannya perlindungan khairat diberi sehingga usia 88 tahun.

3)Tiga manfaat asas disediakan kepada peserta
-a) Manfaat kematangan - Di mana semua simpanan pelaburan peserta akan dipulangkan bersama keuntungan mudarabah.
-b) Manfaat keilatan – Peserta akan mendapat perlindungan penuh jika ditakdirkan berlaku keilatan akibat sakit biasa maupun kemalangan sehingga usia 65 tahun.
-c) Manfaat Khairat Kematian – Peserta dilindungi dengan khairat jika berlaku kematian sehingga usia 88 tahun

4) Peserta juga boleh mengambil manfaat tambahan bagi melengkap perlindungan
menyeluruh:
a) Manfaat Keliatan dan Kematian Akibat Kemalangan (MKKAK)
b) Manfaat Ideminiti Akibat Kemalangan (MIAK)
c) Manfaat Penyakit Kritikal (MPK)
d) Manfaat Hospital (MH)
e) Manfaat Bertempoh (MB)
f) Manfaat Pembayar (MP)

5) Di dalam Takaful Warisan terdapat Peruntukan Bukan Lucut Hak di mana jika peserta tidak mampu membayar penggunaan akaun peserta akan dilaksanakan bagi memastikan peserta boleh menikmati perlindungan yang berterusan.

6) Tiada lien untuk juvana - Di mana bagi pembayaran khairat penuh akan dilaksanakan jika berlaku kematian ke atas juvana.

7) Produk ini memberi jaminan di mana ketika bersara kelak ia akan membantu dari segi pendapatan peserta. Pembayaran dividen tahunan boleh digunakan peserta sebagai gantian pendapatan bagi meneruskan kehidupan.

Ianya memberi kita merasa selesa kerana perlindungan khairat diberi sehingga usia 88 tahun tanpa perlu menabung lagi.

Panduan Pengunderaitan
Had Umur Layak - 6 Bulan - 55 Tahun*
Tempoh Sijil - 33 Tahun - 87 Tahun
Umur Matang Maksima - 88 Tahun
Sumbangan Minimum - RM600.00 setahun
Perlindungan Minimum - RM10,000.00
Lat Sumbangan - Tahunan, setengah tahun, suku tahun dan bulanan

Jumlah Perlindungan Keseluruhan untuk juvana terhad hingga RM200,000.00 sahaja (Pelan Asas + Rider Bertempoh)

* Tarikh Lahir Akan Datang


Pembayaran Manfaat Kematangan
Jumlah Akaun Peserta Terkumpul + Mudharabah Akaun Peserta + Mudharabah Dari Akaun Khas Peserta.

Pembayaran Manfaat Keilatan Menyeluruh
Tahun Pertama - 20% dari Amaun Perlindungan + Jumlah Akaun Peserta terkumpul + Mudharabah dari Akaun Peserta
Tahun Kedua - 40% dari Amaun Perlindungan
Tahun Ketiga - 40% dari Amaun Perlindungan Penamatan Sijil

Pembayaran sumbangan dikecualikan sementara manfaat keilatan dilunaskan.

Aliran Sumbangan

Tahun Akaun Peserta Akaun Khas Peserta
1 0% 100%
2 10% 90%
3 50% 50%
4 > 75% 25%

Mudharabah
80% - Peserta
20% - Syarikat

Etiqa MESRA

Matlamat:

Menyediakan satu tabung simpanan bagi tujuan simpanan hari tua dan pesaraan yang
cemerlang berserta perlindungan yang komprehensif.

Kelebihan TN Mesra:
1) Selepas 3 tahun menabung peserta dibenarkan membuat pengeluaran maksima 80% dari Akaun Peserta setiap tahun.

2) Tiga manfaat asas disediakan:
- a) Manfaat matang – Di mana semua wang yang dilaburkan akan dipulangkan bersama dividen mudarabah keuntungan pelaburan.
-b) Khairat kematian – Jika peserta meninggal dunia pampasan khairat kematian akan dibayar kepada waris.
-c) Keilatan Kekal Menyeluruh – Peserta akan menikmati pampasan penuh jika berlaku keilatan kekal menyeluruh sehingga usia 65 tahun.

3) Peserta juga boleh mengambil manfaat tambahan bagi melengkapkan keseluruhan perancangan kehidupan:
i) Manfaat Kematian dan Keilatan Kekal Akibat Kemalangan (MKKAK)
ii) Manfaat Ideminiti Kemalangan (MIAK)
iii) Manfaat Harian Hospital (MHH)
iv) Manfaat Penyakit Kritikal (MPK)
v) Manfaat Bertempoh (MB)
vi) Manfaat Pengecualian Sumbangan (MPS)

Manfaat dan Faedah Program Takaful Mesra:
1) Keuntungan Mudarabah dikongsi 80% kepada peserta dan 20% kepada pengendali Takaful Nasional.

2) Pengeluaran zakat dilaksanakan sepenuhnya setiap tahun menjadikan wang yang dilabur berkat dan apabila matang tidak perlu keluar zakat.

3) Pelaburan yang halal diluluskan oleh Majlis Fatwa Kebangsaan dan diselia oleh Majlis Pengawasan Syariah.

4) Pengecualian Cukai Pendapatan.

5) Menderma serta menolong sesama peserta apabila berlaku apa-apa musibah kepada peserta.

6) Melindungi Hayat Anda - Apabila berlaku keilatan ataupun penyakit kritikal , ia akan memberikan anda wang tunai yang mana ia Insya Allah akan menyelamat anda.

7) Menjadikan Pesaraan Anda Lebih Selesa - Kebanyakkan orang mempunyai aset di kala persaraan mereka, tetapi program ini menyediakan anda sejumlah wang tunai untuk persaraan anda.

8)Menjadikan Perasaan Anda Lebih Tenteram dan Tenang - Kehidupan bukanlah bermaksud berapa lama anda hidup tetapi berkualitikah kehidupan anda.Program ini akan membantu anda mencapai kehidupan berkualiti semasa dan juga masa tua anda.

9) Menjadikan anda rasa baik - Dengan program ini, anda mampu merancang untuk kehidupan yang lebih selesa. Anda sentiasa dalam keadaan selesa. Bagaimanakah perasaan anda.

10) Menjamin keluarga anda - Peninggalan wang berjumlah RM100K kepada keluarga anda akan membolehkan isteri anda mampu menguruskan anak-anak anda dengan baik, maka masa depan anak-anak akan terjamin Insya Allah.

11) Melindungi kerugian akibat kemalangan - Akibat kemalangan Takaful akan membayar MC dan pampasan kerugian di atas musibah kemalangan

12) Melindungi diri akibat kemalangan cacat penuh atau meninggal akibat kemalangan. Meninggal dan cacat penuh akibat kemalangan adalah perkara yang mengejutkan seolah-olah terputusnya bekalan elektrik. Justeru seandainya berlaku perkara sebegini TN akan membayar keseluruhan pampasan yakni:
Khairat kematian dibayar bersama, pampasan kemalangan dan pampasan kemalangan cacat penuh atau meninggal kemalangan. Jumlah $$ sudah tentu membantu keluarga bagi meneruskan kehidupan.

13) Mengganti Pendapatan – Sekiranya peserta di wadkan di mana-mana hospital manfaat harian hospital akan dibayar bagi menggantikan pendapatan yang hilang dan mengurangkan kerugian disebabkan peningkatan perbelanjaan.

Syarat Penyertaan:
Berusia dari 6 bulan hingga umur 60 tahun pada tarikh hari lahir akan datang.

Jangkamasa Polisi: Dari 5 tahun hingga 79 tahun.

Lat sumbangan pelaburan:
Boleh dilakukan secara bulan, suku tahun, setengah tahun dan tahunan
Cadangan bagi sumbangan melalui potongan akaun bank, kad kredit Maybank dan Potongan Biro Angkasa. Bayaran tunai / cheuqe digalakan 6 bulan sekali atau setahun sekali.

Umur matang polisi maksima:
Pada usia 80 tahun

Why Must Takaful ? - Etiqa Takaful Bhd

Islamic insurance (Takaful) is a universal product, one of the Islamic Muamalah. It is suitable to be practiced by every people regardless Muslims or non-Muslims. Its products offer superior benefits in term of saving and protection, and absolutely no interest charged for withdrawal of saving and the profit gain from the operation will be shared at the ratio 80:20 which 80% belong to the policy holder and 20% for the Takaful operator.


We at eTiQa Takaful Offers You 3 Superior Products just for Your Convenience as Below...



Are planning for your future? By helping you save as well as providing you with the coverage you need, you now have one less thing to worry about it, so you can enjoy life even more.

eTiQa Takaful Mesra Plan is a very flexible plan which associate protection with savings element. Starting from the fourth year of protection the ratio of contribution operation is more towards your saving which is 75%.


BENEFITS
The MESRA benefit is paid out if death or total permanent disability occurs and for the total permanent disability, the benefit will be paid out in instalments for 5 years with a sum of 10% per year and the final instalment at the rate of 60%.


CONTRIBUTION
The annual contribution sum that will be paid will determine the coverage amount that will be attained by multiplying with the multiplier schedule based on the age and duration of the coverage. The contribution ratio for savings gets bigger when the contract duration gets longer.



eTiQa Takaful Prima is a very special plan with scheduled returns and absolute freedom in the current financial planning, education, umrah and ziarah, travelling, investment etc.


BENEFITS
The total coverage lump sum will be paid out within the effective contract period should death happen.

If total permanent disability happens, the coverage sum will be paid in 3 payments: 20% of the coverage amount and the Accumulated Participant Account and profit from the Participant Account when the disability is confirmed; 40% at the end of the first and second year from the date of disability.

Survival Benefits – Every 3 years beginning from the end of the third year of contract: 10% of the coverage amount based on an investment return of 4% per year.

Scheduled survival benefit balance including Participant Account as well as the Participant Account’s profit and Excess Participant Special Account.

The surrender value of the accumulated Participant Account from the second year of surrender.

For whatever reason, if you are not able to continue with the contribution, you may choose one of the options in the ‘provision of non-forfeiture’ to continue with the participation.

QUALIFICATION OF PARTICIPATION
Age limit: 6 months to 54 years (on the following birth date)




Each year, 3% increase of cost to pursue your children study to a higher level may really burden you. So many parents have been suffering shortage of money to pursue their children study to IPTA or IPTS.

As we at Etiqa Takaful, try to help you maximize your life, we also ensure that your child will receive the education he deserves, we also ensure that your child is covered should anything unexpected happen to him.

The Etiqa Takaful Sarjana Plan combines savings and coverage and is an effort to provide a special fund for your child’s future education.

COVERAGE BENEFITS
Should death or total permanent disability happen to the payer all the basic contributions including the Rider on the child except additional savings will be settled until the maturity date or when the child dies or experiences permanent total disability, whichever comes first.

Should the child die, this contract will pay the Coverage Benefit together with the Participant Account and the accumulated profit.
Should the child experience disability, this contract will pay a disability benefit as stated in the schedule.

ADDITIONAL BENEFIT
Educational Fund Disbursement – Withdrawal of money from the Participant Account (AP) is allowed 3 years before the maturity date.



MATURITY BENEFIT
Once this contract matures, the participant will receive the whole accumulated amount in the AP including the profit from the AP and the excess from the Participant Special Account.

Kerjaya sebagai Konsultan Unit Amanah - refresh

Peluang Kerjaya Di Public Mutual.

Saya nak buka satu peluang kerjaya kepada mereka yg bminat mnjadi Unit Trust Consultant (UTC), jika anda inginkan income 4 angka ke 5 angka sebulan malahan ada yg 6 angka(tidak mustahil!) boleh la ceburi bidang ni.,ingat, industri unit trust masih baru di Malaysia,.so ia menjanjikan pulangan yg lumayan dan prospek yg luas!! Yang penting anda mesti rajin,displin dan mempunyai kezaman yg tinggi utk berjaya!

Antara kelebihan jadi UNIT TRUST CONSULTANT ni ialah :
1) Direct komisyen - starting, anda akan dapat 2.75% (drp cash investment clients initial invetment) & 2.oo% investment dari KWSP.
Contoh : Client invest RM100k, kita dapat rm2,750..

2)Indirect Sales (overiding) - bila anda dah ade downlines nanti, boleh dapat lagi indirect komisyen from sales yg anda buat.. tak banyak average dlm 1% je drp downlines kita punya sales...(tapi kalau ade 5 org dowline yg buat sales RM100,000 sebulan kire banynk gak tuh!!)contoh kalau kita ada 5 orang downline, setiap sorang buat sales rm100,000... so jumlah rm500,000.. average overiding komisyen ialah 1%... anda mendapat lebih kurang rm5000 (banyak tuh)... tu kira sebagai insentif anda mendidik downline anda..

3) Year end bonus - dapat bonus hujung tahun ikut percentage daripada sales kita utk spjg tahun tersebut... dapat gak la skit bonus...

4) Free trip - jalan2 ke vietnam, jepun, mana2 je la kat overseas yg Public Mutual nak bawak kita pegi... tapi kena achieve target sales dulu la... trip slalunya seminggu, semua FOC kecuali nak beli2 apa2, duit sendiri la...

Selain tu banyak lagi benefit lain macam Breakaway Bonus,Equalisation Bonus..etc. Kalau anda berminat menjadi agent, kena ada lesen darapada FMUTM (federation malaysian unit trust manager) dulu... so untuk amik lesen tu, anda kene seat exam dulu... dan diorang akan berikan kelas extensive khas utk lesen tu (9am-5pm) tp jgn risau exam ni mudah je nk lulus dgn syarat study nota yg diprovide..

Fees yg dikenakan lebih kurang RM247.50 aje....

Inginkan maklumat lanjut bolehlah hubungi saya di talian 019-2866346