At Etiqa Takaful, we know that different people have different needs. Therefore we try to understand what these needs are so that we can provide appropriate solutions. By having and providing the right plans for the right people, now anyone can have coverage, no matter who they are.
Ehsan provides an extensive coverage with a low contribution rate. There is no element of savings or cash value as the contributions are channelled into the Participants Special Account to maximise the coverage.
BENEFITS
Death and total permanent disability benefits throughout the participation period until the takaful period expires.
DURATION/CONTRIBUTION/AGE
The duration of coverage and contribution is the same i.e. a duration choice of every 5 years from as young as 5 years right up to 30 years.
The lowest contribution is RM360 per year. The participant’s age must be from 18 years (exactly) to 55 years (the following birth date)
Showing posts with label Takaful Just Got Married. Show all posts
Showing posts with label Takaful Just Got Married. Show all posts
Wednesday, February 4, 2009
Takaful Just Got Married
Getting married is the first step to bigger responsibilities. You are ready to set up a new home and soon a family. Planning early would provide you the ease at a later stage in life. It is important that you and your loved ones are adequately protected against life's uncertainties and risks. And when you are starting out, you want a simple insurance plan that offers flexibility and options to select the type of coverage and amount of protection you need.
Warisan (English)
Warisan
We all hope that our legacy and lineage will carry on into the future; and that our future generations will be well taken cared of. Etiqa Takaful understands this concern and wish. By taking into consideration your aspirations and hopes, we have designed a plan that helps you provide for those to come.
Etiqa Takaful Warisan is a takaful scheme that offers savings and coverage benefits which enable you to plan your finances for the wellbeing of yourself and the generations to come.
BENEFIT
Enables the continuation of coverage until the age of 88 years even though the contribution has stopped. This is the advantage of Etiqa Takaful’s products.
At the end of the contract period, the total sum of the Participant Account will be returned together with the profit sharing from the participant’s account and the excess of the Participant Special Account.
Participation of children aged from 6 months is allowed with a coverage of up to RM200,000.
Should total permanent disability happen, the coverage sum will be paid in 3 payments. 20% from the coverage sum and Accumulated Participant Account as well as the profit from the Participant Account once the disability is confirmed, 40% at the end of the first and second year from the date of disability.
QUALIFICATION OF PARTICIPATION
Age limit : 6 months to 60 years.
We all hope that our legacy and lineage will carry on into the future; and that our future generations will be well taken cared of. Etiqa Takaful understands this concern and wish. By taking into consideration your aspirations and hopes, we have designed a plan that helps you provide for those to come.
Etiqa Takaful Warisan is a takaful scheme that offers savings and coverage benefits which enable you to plan your finances for the wellbeing of yourself and the generations to come.
BENEFIT
Enables the continuation of coverage until the age of 88 years even though the contribution has stopped. This is the advantage of Etiqa Takaful’s products.
At the end of the contract period, the total sum of the Participant Account will be returned together with the profit sharing from the participant’s account and the excess of the Participant Special Account.
Participation of children aged from 6 months is allowed with a coverage of up to RM200,000.
Should total permanent disability happen, the coverage sum will be paid in 3 payments. 20% from the coverage sum and Accumulated Participant Account as well as the profit from the Participant Account once the disability is confirmed, 40% at the end of the first and second year from the date of disability.
QUALIFICATION OF PARTICIPATION
Age limit : 6 months to 60 years.
Sakinah (English)
Sakinah
At Etiqa Takaful, we find out what you need and we provide you with what you need. Because we understand that not everybody’s requirements are the same, we make it flexible for you too, allowing you to maximise your quality of life.
Etiqa Takaful Sakinah offers two types of plans which will give options to whoever that wants to participate.
Etiqa Sakinah 1 – Periodical with Savings
Etiqa Sakinah 2 – Periodical
BENEFIT
Etiqa Takaful Sakinah 1
Contains coverage and savings elements.
The participant and his spouse not only enjoy the coverage benefits for Death and Permanent Disability but at the same time also the accumulated value of the Participant Account.
Etiqa Takaful Sakinah 2
Provides coverage for Death and Permanent Disability to the participant or his spouse who is insured. 100% of the benefit amount will be given to his spouse should death or the first permanent disability occur.
Option Benefits/Rider
Etiqa Takaful Sakinah 1
-Death & Disability Due to Accident Benefits
-Accident Indemnity Benefit
-Hospitalisation Benefit
-Critical Illness
-Rider with duration
Etiqa Takaful Sakinah 2
-Death & Disability Due to Accident Benefits
-Accident Indemnity Benefit
-Hospitalisation Benefit
-Critical Illness
Contribution
Annual minimum contribution of RM600. Choice of contribution can be made either monthly, quarterly, half yearly or annually.
Qualification of Participation
First Participant: Minimum 18 years and maximum 60 years.
Second Participant: Minimum 90 days and maximum 60 years.
At Etiqa Takaful, we find out what you need and we provide you with what you need. Because we understand that not everybody’s requirements are the same, we make it flexible for you too, allowing you to maximise your quality of life.
Etiqa Takaful Sakinah offers two types of plans which will give options to whoever that wants to participate.
Etiqa Sakinah 1 – Periodical with Savings
Etiqa Sakinah 2 – Periodical
BENEFIT
Etiqa Takaful Sakinah 1
Contains coverage and savings elements.
The participant and his spouse not only enjoy the coverage benefits for Death and Permanent Disability but at the same time also the accumulated value of the Participant Account.
Etiqa Takaful Sakinah 2
Provides coverage for Death and Permanent Disability to the participant or his spouse who is insured. 100% of the benefit amount will be given to his spouse should death or the first permanent disability occur.
Option Benefits/Rider
Etiqa Takaful Sakinah 1
-Death & Disability Due to Accident Benefits
-Accident Indemnity Benefit
-Hospitalisation Benefit
-Critical Illness
-Rider with duration
Etiqa Takaful Sakinah 2
-Death & Disability Due to Accident Benefits
-Accident Indemnity Benefit
-Hospitalisation Benefit
-Critical Illness
Contribution
Annual minimum contribution of RM600. Choice of contribution can be made either monthly, quarterly, half yearly or annually.
Qualification of Participation
First Participant: Minimum 18 years and maximum 60 years.
Second Participant: Minimum 90 days and maximum 60 years.
Prima (English)
Prima
At Etiqa Takaful, we want to help you meet your goals. By keeping your best interests at heart, we are able to provide you with the right plan to suit your needs; thus guiding you in the right direction towards achieving your goals.
Etiqa Takaful Prima is a 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)
At Etiqa Takaful, we want to help you meet your goals. By keeping your best interests at heart, we are able to provide you with the right plan to suit your needs; thus guiding you in the right direction towards achieving your goals.
Etiqa Takaful Prima is a 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)
Mesra (English)
Are you planning for the future? At Etiqa Takaful, we make it our point to understand what it is you want so that we can help you meet them by providing you with the right solutions.
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.
MESRA is a plan offering coverage and savings elements. From the fourth year of coverage, the contribution operation ratio is more towards savings which is as high as 75%.
BENEFIT
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.
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.
MESRA is a plan offering coverage and savings elements. From the fourth year of coverage, the contribution operation ratio is more towards savings which is as high as 75%.
BENEFIT
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.
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