Penama dalam Pewarisan Pampasan Insurans

Salam semua,

Siapakah yang paling berhak menerima Pampasan dari pihak Insuran jika sesuatu berlaku kepada anda?

Apa gunanya Wang jika Anda TIADA lagi?

Kepada  siapakah anda Inginkan wang Pampasan itu Pergi?

Anak2 ! Pasangan Anda? Ibu atau Bapa?

Ramai yang menanya - kalau apa2 jadi nanti, siapa yang dapat duit nih?

dalam konteks Insurans, biasanya - kita perlu meletakkan satu nama untuk menjadi Nominee/Penama, ada yang sebut "Pemegang Amanah" atau "Trustee".

dalam kes Keluarga / pasangan bukan Islam. Nominee akan berhak 100% jika Nominee tersebut adalah Ister/Suami kepada Nyawa yg di Insuranskan,  ibu atau bapa ataupun Anak-anaknya.

Bagi Keluarga Islam, walaupun telah di berikan Nama Isteri/suami sebagai Penama,  Wang pampasan tersebut masih dikira sebagai Harta Pusaka dan patut di bahagikan tertakluk kepada syarat2 Hukum Faraid.

AWAS ! Elakkan dari memakan Harta Anak2 Yatim ! - [ walaupun anak2 sendiri ]

Call saya untuk sebarang pertanyaan dan Cadangan bagaimana anda boleh mendapatkan Pelan Perlindungan dan Simpanan serta Medical card berkaitan pelaburan tanpa perlu risau tentang kebajikan Anak-Anak anda serta pasangan Anda Andainya Anda Pergi Dulu Sebelum Mereka .

Call saya di 012 3435 223 atau tinggalkan komen serta pertanyaan anda di sini.

Kenapa Anda Perlu membeli Polisi Insurans-Investment Linked [ IL ]

saya terbaca  artikel ini di website Mr. KC Lau dan ingin berkongsi dengan anda

harap anda mendapat manfaat dan boleh membuat keputusan yg lebih tepat dgan keperluan anda jika anda memilih untuk membeli polisi iNSURANS atau MEDICAL CARD. 

Why you should first buy Investment-linked Insurance Policy - by K C LAU

 

There are so many types of life insurance policy in the market. Currently there are 16 life insurance companies in Malaysia and most of them provides more than 10 products. So how do you choose your first insurance policy to buy?

Most likely when you are approached by an insurance agent, you are presented with Investment-linked policy. It actually makes sense to buy investment-linked policy as the first policy you should own. Here are the reasons and advantages:

1. Transparency – Unlike the traditional policy such as whole life or endowment plan, an investment-linked policy reveals all your premium allocation clearly. This is what I call transparent policy – you can actually understand and see where your premium is used. Policy holder will receive a periodic statement that clearly and precisely lists all the premium allocation, relevant insurance charges, investment value and fund unit price. I owned both Great Eastern investment-linked policy and AIA investment-linked policy. Great Eastern sends me the report quarterly (every 3 months) and AIA is only once a year. Prudential also sends the report once a year. Besides this report, you will also get the investment-linked fund performance report annually. If you didn’t get the report stated above, please contact your agent. There is something wrong somewhere  
   
   
2. Low insurance charges – For fresh graduates, age around 23-25, it is normal for them to seek their first insurance agent and also the first insurance policy. When you are young, insurance charges are very cheap. Investment-linked policy calculates the insurance charges based on your age. They use a mortality table and clearly provide the insurance charges table in the policy. This means you can purchase high coverage with low premium when you are still young. Sometimes, the premium is even lower than a term policy.
   
   
3. Flexibility – Once you get older, promoted, married, have kids, your protection needs eventually increase. When you retire, your kids are independent, your protection needs eventually decrease. Looking at this circumstances, investment-linked policy provides the flexibility to increase or reduce the premium, include or exclude certain coverage rider, supplementary benefits and sum assured. Put it simple, you can modify this policy whenever and however you want it to be.
   
4. Integrated better health card – some insurance company like Great Eastern and Prudential, they provide better hospitalization and surgical benefits only for investment-linked policy holder. For instance, Great Eastern lets the investment-linked policy holder to include Health Protector (no co-insurance, cheaper insurance charges) in his policy. But if you only want a health card, Health Protector is not available to you. You would have to get a standalone card which is higher in premium and normally comes with co-insurance payment (means patient have to share the medical bill).
   
   
5. All-in-one benefits – All sorts of coverage can be included into your investment-linked policy. This includes accidental benefit, hospitalization income benefit, living assurance, critical illnesses benefit, health card benefit, lady care benefit etc. Almost all available protection riders can be included. You will find it easier and cheaper to have one insurance plan that can give you all the possible benefits you need.
   
   
6. You control the investment strategy – Did you ever think that investment-linked policy is risky because it involves investment? Actually, you have the right to control the risk you can bear for your investment. You can choose which fund to invest, which strategy to use, which portfolio allocation to apply, and even when to do the switching from fund to fund which is normally free of charge. If you are skeptical about investment risk, just put all your premium into a fixed-income fund!
   
    TERIMA KASIH 
    CALL SAYA DI 012 3435 223 UTK SEBARANG PERTANYAAN DAN RUJUKAN . . . 

ANDA BERSEDIA ?

Assalamualaikum . . . .

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inilah satu soalan yang di tanya kepada saya apabila saya mula di Interview untuk jawatan di tempat baru saya kini . . . .

Jawapan saya :

Bersedia dari segi Apa? . . . [ satu soalan balas - biasalah . . ., tak tau nak jawap apa.]

kini di tempat baru dengan suasana kerja yang baru, saya selalu bertanya kepada Pelanggan yang dapat saya ber-bual . 

Adakah Anda Bersedia?

Kenapa saya pula yang bertanya macamni ?
[ cuba lihat dan fahamkan gambaran di bawah ya . . .  ENJOY ! ]

MUNGKIN ANDA INGIN BERTANYA KEPADA DIRI SENDIRI . . .