eTiQa Takaful : PLAN MESRA

Gabungan tabungan dan perlindungan untuk perancangan kewangan hari esok.
Pelan yang fleksibel dalam meningkatkan perlindungan kewangan keluarga.

Manfaat Utama:
• Perlindungan dibolehkan sehingga umur 80 tahun.
• Di akhir tempoh kontrak keseluruhan Akaun Peserta terkumpul akan dipulangkan bersama perkongsian keuntungan dari Akaun Peserta
dan lebihan Akaun Khas Peserta.
• Sekiranya berlaku kematian, manfaat yang akan dibayar adalah jumlah perlindungan bersama Akaun Peserta Terkumpul serta keuntungan
Akaun Peserta.
• Sekiranya berlaku keilatan kekal dan menyeluruh, jumlah perlindungan akan dibayar dalam 5 pembayaran. 10% daripada jumlah
perlindungan serta amaun terkumpul dan keuntungan dari Akaun Peserta apabila sahnya keilatan, 10% pada ulang tahun pertama hingga
tahun ketiga dan bakinya sebanyak 60% pada tahun keempat dari tarikh keilatan.
• Nilai serahan Akaun Peserta terkumpul dari tahun kedua penyertaan.
• Atas apa juga sebab, sekiranya anda tidak dapat meneruskan sumbangan, anda boleh memilih satu daripada pilihan di dalam ‘peruntukan
bukan lucuthak’ untuk meneruskan penyertaan.
Manfaat Perlindungan Komprehensif
Pakej perlindungan berikut boleh dimasukkan sebagai manfaat perlindungan komprehensif dengan sumbangan tambahan.
• Rider Bertempoh
• Rider Penyakit Kritikal
• Rider Manfaat Hospital
• Rider Pampasan Kemalangan
• Rider Manfaat Kematian Akibat Kemalangan
• Rider Manfaat Pembayar – Kontrak Juvana sahaja
Kelayakan Penyertaan
Had Umur: 6 bulan hingga 60 tahun (pada tarikh lahir akan datang)
Tempoh Penyertaan: 5 hingga 79 tahun
Had Umur Matang: 80 tahun (pada tarikh lahir akan datang)
Sumbangan Minimum: RM600.00 setahun Lat Sumbangan: • Tahunan
• Setengah Tahunan
• Suku Tahunan
• Bulanan
Perlindungan Minimum: RM10,000
Pembahagian Keuntungan/Lebihan
Pembahagian keuntungan dan lebihan adalah sebanyak 80% kepada peserta dan 20% kepada Etiqa Takaful Berhad.
Pengecualian Cukai Pendapatan
Kontrak ini layak menerima pelepasan cukai pendapatan, tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri.
*Penting
Fakta penyata ini merupakan keterangan ringkas. Untuk mendapatkan butir-butir lengkap mengenai syarat dan peraturan, sila rujuk kepada kontrak anda.

Takaful (Islamic Insurance)

Takaful

From Wikipedia, the free encyclopedia

Takaful ( التكتاقل) is an Islamic insurance concept which is grounded in Islamic muamalat (banking transactions), observing the rules and regulations of Islamic law. This concept has been practised in various forms for over 1400 years. ^[1] Muslim jurists acknowledge that the basis of shared responsibility in the system of aquila as practised between Muslims of Mecca and Medina laid the foundation of mutual insurance. Islamic insurance was established in the early second century of the Islamic era when Muslim Arabs expanding trade into Asia mutually agreed to contribute to a fund to cover anyone in the group that incurred mishaps or robberies along the numerous sea voyages (marine insurance).^{[citation needed]}

The term takaful originates the from Arabic word Kafalah, which means "guaranteeing each other" or "joint guarantee". In principle, the Takaful system is based on mutual co-operation, responsibility, assurance, protection and assistance between groups of participants.^{[citation needed]} It is a form of mutual insurance.

Islamic References to Takaful

These fundamentals are based on the sayings of the Islamic prophet Mohammed. Based on the hadith and Quranic verses mentioned below, Islamic scholars had decided that there should be a concerted effort to implement the Takaful concept as the best way to resolve these needs. Some of the examples are:

• Basis of Co-operation Help one another in al-Birr and in al-Taqwa (virtue, righteousness and piety): but do not help one another in sin and transgression. (Surah Al-Maidah, Verse 2)^[2]

• Allah will always help His servant for as long as he helps others. (Narrated by Imam Ahmad bin Hanbal and Imam Abu Daud)

• Basis of Responsibility The place of relationships and feelings of people with faith, between each other, is just like the body; when one of its parts is afflicted with pain, then the rest of the body will be affected. (Narrated by Imam al-Bukhari and Imam Muslim)

• One true Muslim (Mu’min) and another true Muslim (Mu’min) is just like a building whereby every part in it strengthens the other part. (Narrated by Imam al-Bukhari and Imam Muslim)

• Basis of Mutual Protection By my life, which is in Allah’s power, nobody will enter Paradise if he does not protect his neighbour who is in distress. (Narrated by Imam Ahmad bin Hanbal)

“The basic fundamentals underlying the Takaful concept are very similar to co-operative and mutual principles, to the extent that the co-operative and mutual model is one that is accepted under Islamic Law."

Principles of Takaful

The principles of Takaful are as follows:

• Policyholders co-operate among themselves for their common good.
• Every policyholder pays his subscription to help those that need assistance.
• Losses are divided and liabilities spread according to the community pooling system.
• Uncertainty is eliminated in respect of subscription and compensation.
• It does not derive advantage at the cost of others.

Theoretically, Takaful is perceived as cooperative insurance, where members contribute a certain sum of money to a common pool. The purpose of this system is not profits but to uphold the principle of "bear ye one another's burden." Commercial insurance is strictly not allowed for Muslim as agreed upon by most contemporary scholars because it contains the following elements: i) Al-Gharar (Uncertainty) ii) Al-Maisir (Gambling) iii) Riba (Interest)

There are three (3) models and several variations on how takaful can be implemented.

1. Mudharabah Model
2. Wakalah Model
3. Combination of both

The Mudharabah Model (Profit Sharing)

By this principle, the entrepreneur or al-Mudharib (takaful operator) will accept payment of the takaful installments or takaful contributions (premium) termed as Ra's-ul-Mal from investors or providers of capital or fund (takaful participants) acting as Sahib-ul-Mal. The contract specifies how the profit (surplus) from the operations of takaful managed by the takaful operator is to be shared, in accordance with the principle of al-Mudharabah, between the participants as the providers of capital and the takaful operator as the entrepreneur. The sharing of such profit may be in a ratio 50:50, 60:40, 70:30, etc. as mutually agreed between the contracting parties.

In order to eliminate the element of uncertainty in the takaful contract, the concept of tabarru (to donate, to contribute, to give away) is incorporated. In relation to this a participant shall agree to relinquish as tabarru, certain proportion of his takaful installments or takaful contributions that he agrees or undertakes to pay thus enabling him to fulfill his obligation of mutual help and joint guarantee should any of his fellow participants suffer a defined loss.

In essence, tabarru would enable the participants to perform their deeds in sincerely assisting fellow participants who might suffer a loss or damage due to a catastrophe or disaster. The sharing of profit or surplus that may emerge from the operations of takaful, is made only after the obligation of assisting the fellow participants has been fulfilled. It is imperative, therefore, for a takaful operator to maintain adequate assets of the defined funds under its care whilst simultaneously striving prudently to ensure the funds are sufficiently protected against undue over-exposure. Therefore the provision of insurance cover as a form of business in conformity with Shariah is based on the Islamic principles of al-Takaful and al-Mudharabah.

Al-Hari Rayais the pact among a group of people, called participants, reciprocally guaranteeing each other; while Al-Mudharabah is the commercial profit-sharing contract between the provider or providers of funds for a business venture and the entrepreneur who actually conducts the business. The operation of takaful may thus be envisaged as the profit-sharing business venture between the takaful operator and the individual members of a group of participants who desire to reciprocally guarantee each other against a certain loss or damage that may be inflicted upon any one of them.

Asal usul tengku, nik, wan

info ni die dpt dari Majlis Agama Islam Kelantan, keturunan Wan dan Nik ada 2 jenis :
i. keturunan yg diberi gelaran atau pangkat oleh raja2 zaman dulu kala atau dikira keturunan bangsawan
ii. keturunan Wan atau Nik yang asli, maknanya nama yg bermula dgn Wan atau Nik ni berasal atau berpunca dari keturunan Syed Husin, cucu Rasulullah Fri 9-Sep-2005 12:56
Posted by:DqNa - [Link]

Dan bagi saya, saya amat bersetuju dgn pendapat DqNA.... Memang sebenarnya susur galur keturunan Nik dan Wan terbahagi 2,
( i ) gelaran nik dan wan yang diberi berdasarkan golongan pembesar & bangsawan.
( II ) gelaran nik dan wan yang berasal dari nasab keturunan Syed... Tapi awas!!!, keturunan Syed pun terbahagi 2, samaada yang asli, yang berasal dari nasab Rasulullah, atau pun yang sudah tidak asli seperti Kaum India yang lahir pada hari Jumaat ( Syed malam jumaat).
Dan.... biasanya hanya mereka dan keluarga mereka yang asal (yang masih menjaga nasab) mengetahui keaslian ketutunan mereka.
Yang penting, walau apapun asal kita.... kita haruslah menyedari siapa pencipta kita dan.. berusaha mendekatinya..

Dan bagi saya, saya amat bersetuju dgn pendapat DqNA.... Memang sebenarnya susur galur keturunan Nik dan Wan terbahagi 2,
( i ) gelaran nik dan wan yang diberi berdasarkan golongan pembesar & bangsawan.
( II ) gelaran nik dan wan yang berasal dari nasab keturunan Syed... Tapi awas!!!, keturunan Syed pun terbahagi 2, samaada yang asli, yang berasal dari nasab Rasulullah, atau pun yang sudah tidak asli seperti Kaum India yang lahir pada hari Jumaat ( Syed malam jumaat).
Dan.... biasanya hanya mereka dan keluarga mereka yang asal (yang masih menjaga nasab) mengetahui keaslian ketutunan mereka.
Yang penting, walau apapun asal kita.... kita haruslah menyedari siapa pencipta kita dan.. berusaha mendekatinya..

Iman tak dapat diwarisi....Dari seorang ayah yang bertaqwa

Iman Mutiara

Album : Puji-Pujian
Munsyid : Raihan
http://liriknasyid.com

Iman adalah mutiara
Di dalam hati manusia
Yang meyakini Allah
Maha Esa, Maha Kuasa

Tanpamu iman bagaimanalah
Merasa diri hamba padaNya
Tanpamu iman bagaimanalah
Menjadi hamba Allah yang bertaqwa

Iman tak dapat diwarisi
Dari seorang ayah yang bertaqwa
Ia tak dapat dijual-beli
Ia tiada di tepian pantai

Walau apapun caranya jua
Engkau mendaki gunung yang tinggi
Engkau berentas lautan api
Namun tak dapat jua dimiliki
Jika tidak kembali pada Allah

Jika tidak kembali pada Allah
...

Insurance 2

Traded endowments

Main article: Endowment selling

Traded endowment policies (TEPs) or second hand endowment policies (SHEPs) are traditional with-profits endowments that have been sold to a new owner part way through their term. The TEP market enables buyers (investors) to buy unwanted endowment policies for more than the surrender value offered by the insurance company. Investors will pay more than the surrender value because the policy has greater value if it is kept in force than if it is terminated early.

When a policy is sold, all beneficial rights on the policy are transferred to the new owner. The new owner takes on responsibility for future premium payments and collects the maturity value when the policy matures or the death benefit when the original life assured dies. Policyholders who sell their policies, no longer benefit from the life cover and should consider whether to take out alternative cover.

The TEP market deals exclusively with Traditional With Profits policies. The easiest way of determining whether an endowment policy is in this category is to check to see whether an it mentions units, indicating it is a Unitised With Profits or Unit Linked policy, if bonuses are in sterling and there is no mention of units then it is probably a traditional With Profits. The other types of policies - “Unit Linked” and “Unitised With Profits” have a performance factor which is dependent directly on current investment market conditions. These are not tradable as the guarantees on the policy are much lower and there is no gap between the surrender value and the market value.

Insurance 1

Endowment policy

From Wikipedia, the free encyclopedia

An endowment policy is a life insurance contract designed to pay a lump sum after a specified term (on its 'maturity') or on earlier death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness.

Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds).

Endowments can be cashed in early (or 'surrendered') and the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid in to it.

Part of UT