Takaful Product Line Up-Why We Need Protection?

WHY WE NEED INSURANCE PROTECTION?


Instead of asking "Why were we born?", "What were we born for" maybe we should just keep in mind "for whom do we live"...

1. Medical expenses is No 1 factor for personal financial management failure in Malaysia.
2. Medical cost increment is 15% every year.
3. Secure your family's continuity of lifestyle through income replacement solution for your family.
4. In case of disablement due to accident e.g. unable to work, your love ones can take care of you  without worrying about additional expenses incurred.
5. No need to pay huge medical cost and bills.
6. Access to quality health facilities/treatment.

BUT I STILL YOUNG, WHY SHOULD I NEED INSURANCE 

PROTECTION?

1. The best time to buy takaful/insurance is when you are still young and healthy. Most insurance companies will not cover you if you already have any illness.
2. Serious illness or accident can strike anyone any age and at any time. When it does, you would want to be able to afford the best medical care you can get.
3. Takaful/insurance can help you pay for hospital room and board, doctor's fee, surgical fee, medical supplies etc. Most insurance companies offer an Assist Card facility for easy admissions to any approved panel hospitals.
4. When it comes to insurance/takaful, it's always "The Sooner the Better".

WHY TAKAFUL?

1. Monthly low contribution from RM100
2. Medical Card yearly limits starting from RM90000. UNLIMITED FOR LIFETIME!
3. Family Medical Card covers unlimited family members.
4. Contribution amount is based on your last birthday not on your next birthday.That's mean cheaper.
5. Additional Riders :

·                     Waiver of Contribution

·                     Critical Illness.

·                     Personal Accident

·                     Hospitalization and Surgical

AVAILABLE TAKAFUL PLAN 

Protection & Investment

A-Mas

Your protection and financial needs change over time as you move towards different life stages. Introducing A-Mas, a regular contribution investment-linked takaful (ILT) protection plan that provides a comprehensive takaful coverage through a range of optional benefits. It helps you manage the changes and uncertainty in every stage of your life. This plan will also assist you to accumulate your wealth effortlessly over a long-term period. In addition, it offers you the investment flexibility where you are allowed to choose the Shariah-compliant investment funds according to your own risk appetite.

Download A-Mas product brochure (pdf)

You have an option to further enhance your takaful protection by adding extra coverage from our range of optional benefits below:

• Waiver of Contribution
  Waive and pay the contributions of the certificate on behalf of participant in the event the person covered is diagnosed to be suffering from a specified critical illness or total permanent disability prior to age 60.
• Critical Illness
  The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of a critical illness to help you coping with the extra medical cost.
• Personal Accident
  Coverage is provided for death or injuries resulting from an accident.
• Hospitalization and Surgical
  Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

Protection

A-Prima

Life is full of unexpected events and these events may be the impediments that prevent you from moving on and achieving your goals. Introducing A-Prima, a regular contribution family takaful plan that helps you manages the uncertainty and minimizes the financial ramification as a result of these unfortunate events. Hence, you can continue to pursue your dreams to achieve a better life.

Download A-Prima product brochure (pdf)

You have an option to further enhance your takaful protection by adding extra coverage from our range of optional benefits below:

• Critical Illness
  The sum covered of the critical illness benefit is payable in one lump sum upon diagnosis of a critical illness to help you coping with the extra medical cost.
• Critical Illness Waiver of Contribution
  Waive and pay the regular contribution for the basic certificate on behalf of participant in the event the person covered is diagnosed to be suffering from any one of the specified critical illness or undergoes a covered surgery.
• Personal Accident
  Coverage is provided for death or injuries resulting from an accident.
• Hospitalization and Surgical
  Coverage is provided by assisting you in coping with the medical expenses incurred in times of hospitalization.

KLIK SINI UNTUK DAPATKAN PROPOSAL PERCUMA

Unit Trust. What is the best way to optimize profit when investing in Unit Trusts?

What is the best way to optimize profit when investing in Unit Trusts?

Investors who do not wish to be stressed by market volatility adopt dollar cost averaging method for improving long-term investment planning. Instead of investing all your money in one go, you invest a set amount of money at regular intervals quarterly or monthly for example regardless of market swings.

By adopting dollar cost averaging, you will be less tempted to make decisions based on short-term phenomena. You benefit from market swings in both ways. This approach is best viewed as a method to separate emotions from the investment processes. Instead of trying to time the market in response to greed or fear, you invest on an installment plan with the view that your money will grow over the long-term.

Consider the following hypothetical example Mr. X adopts dollar-cost averaging and has been buying unit trust A regularly at a constant amount of RM2,000 per month over the entire period. Mr. Y invests at one time all his money in unit trust A. Refer to Table 1 for details.

Mr. X enjoys a 5% profit from his investment while Mr. Y made a lost of 6% when both redeem their investment at RM0.85. From the above example, the rationale is - steady investments let you purchase more units when the prices are low and less when the prices are high. In other words, you even out the risk of buying at the peaks and selling at the bottoms. The technique does not automatically guarantee a profit or protect against a loss, but it usually results in a lower average cost per unit over time, and as an investor, you may redeem once your investment generate the target profit set by you. 

Info from : http://www.affinfund.com.my/faq2.htm#q11

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