Takaful Advise by Said Harull

28/03/2022

It’s true…. It’s true.

Jom sembang. Let me show you how this can benefit you and your family.
Luang dan beri masa utk saya kongsi kebaikan dan kepentingan Takaful Policy.

08/03/2022

05/03/2022

27/02/2022

Cancer is the second-leading cause of death in the world. But survival rates are improving for many types of cancer, thanks to improvements in cancer screening, treatment, and prevention. Spotting cancer early saves lives, so listen to your body and tell your doctor if you notice anything that isn’t normal for you.

At AIA, we are committed to ensuring that you and your loved ones live Healthier, Longer, and Better Lives. We support cancer prevention through A-Life Beyond Critical Care which includes health screening benefits that facilitate early detection for faster recovery. Our comprehensive critical illness protection health solution also covers 180 conditions which includes Early, Intermediate and Advanced Stages of critical illnesses.

Take the extra step to ensure that you are protected today: https://bit.ly/3LEjTsy

24/02/2022

Harini nak share sikit berkenaan MRTA/MRTT.

Scenario 1: Mohon pada sesiapa yg dah membeli rumah atau baru nak beli rumah secara pinjaman dgn bank, sila semak perjanjian pinjaman. Check loan dan coverage MRTA/MRTT berapa lama. Tally atau tidak. MRTA/MRTT adalah tempoh utk bank cover loan in case berlaku kematian dlm tempoh masih hutang dengan bank lagi.
Bayangkan, loan dgn bank 30 tahun, tapi MRTT coverage 18 tahun je. Jadi, if meninggal dlm tempoh 18 thn, bank akan cover loan tersebut. Tetapi, klau meninggal di tahun ke-19, bank dah tak cover. Balance loan dgn bank perlu disettle oleh waris. Jika tak dapat utk settle ada kebarangkalian, rumah akan dilelong. Disinilah fungsi hibah policy membantu utk memastikan keluarga anda punya tmpt berteduh walau tanpa anda disisi.

Scenario 2: In the event of death, Lepas baki loan diselesaikan, pentadbir harta/wasi akan buat pindahmilik harta kpd waris2 faraid. Jika si mati masih punya ibubapa, hak mrk adalah 1/3 hakmilik atas rumah tersebut. Sekiranya pasangan nak terus tinggal di rumah tu, perlulah tebus bahagian hak ibubapa si mati. Bayarlah 1/3 drpd nilai semasa rumah. Ia perlu dipersetujui oleh ibubapa si mati. Jika si mati tiada ank lelaki n bapanya juga sudah tiada, maka ibu, adik-beradik si mati juga ada hak faraid ke atas rumah tersebut. Dlm situasi ini, pasangan perlu tebus bhgn ibu dan adik-beradik si mati dgn persetujuan mereka, tanpa paksaan. Jadi, jika berhasrat utk pastikan rumah tersebut terus jadi hakmilik isteri dan anak2, boleh la gunakan instrumen Hibah Policy utk tebus hak2 yg dinyatakan. Penyelesaian tu ada, cuma sudahkan kita merancang?

Jom kupi-kupi, kita bincang lebih lanjut, sembang dan rancang dgn .