April 2016 – Takaful.Advisor.Blog

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Takaful.Advisor.Blog

Month: April 2016

Makanan Super/Superfood April 27, 2016May 6, 2016 Leave a comment by Nor Aishah binti Abd Aziz Tiada definisi saintifik untuk makanan super (superfood) malah pakar diet mengelak mengunakan istilah “makan super”, tetapi secara generalnya makanan super diterima kerana makanan tersebut mengandungi banyak vitamin dan mineral. Makanan super juga merupakan sumber antioksida yang membantu melindungi badan daripada sel yang rosak dan penyakit.

Blueberries adalah senarai teratas dalam senarai makanan super kerana mempunyai kandungan vitamin, fiber dan phytochemicals. Khasiat ini sama juga didapati dikebanyakkan jenis berries termasuk strawberries dan cranberries. Jurnal Circulation, (2013). Mendapati pengambilan phytochemical yang tinggi khasnya flavonoids dari blueberries atau jenis berries yang lain dapat mengurangkan beberapa masalah jantung dikalangan wanita muda.

Blueberries

Buah kiwi sangat popular untuk makanan super. Khasiatnya sama dengan kebanyakkan buah berries, tembikai, buah sirus, epal dan pear yang kebanyakkannya tinggi kandungan vitamin C dan kaya antioksida. Buah kiwi dilabel sebagai makanan super kerana tinggi nutrien berbanding buah – buahan yang lain. Kajian yang dikeluarkan pada 2011 dari Asia Pacific Journal of Clinical Nutrition menyatakan buah kiwi mempunyai serotonin. Iaitu hormon yang membantu dan mendorong tidur. Oleh itu buah kiwi amat bagus untuk

orang yang mempunyai masalah untuk tidur. Kekacang dan bijirin penuh merupakan tambahan dalam senarai makanan super. Kekacang mempunyai protein rendah lemak. Kekacang mempunyai fiber mudah larut yang kurang kalestrol. Fiber mudah larut memberi rasa kenyang, tinggi vitamin dan mineral seperti mangan. Bijirin penuh pula tidak mempunyai kandungan tinggi protein. Quinoa bukanlah bijirin tetapi dimasak dengan cara yang sama dan penuh dengan sumber protein, vitamin, mineral, fiber dan antioksida. Kale yang tumbuh sebagai makanan super. Tumbuhan berdaun hijau: Swiss chard,collards, mustards (termasuk lobak),bayam, brokoli dan kobis. Kobis dan mustard merupakan makanan dalam tumbuh seperti bunga kecil (floret). Vitamin A, C, K, fiber, kalsium dan sesetengah juga terdapat didalam sayur – sayuran berwarna gelap.

Buah kiwi

Kekacang dan bijirin penuh

Quinoa

Ubi keledek dan squash adalah makanan super yang mempunyai manfaat yang sama dengan sayuran hijau. Kedua – dua makanan ini kaya dengan fiber, vitamin A dan banyak lagi. Kemanisan asli ubi keledek juga sangat manis dan tidak memerlukan mentaga, krim dan garam sebagai perisa tambahan.

Salmon, sardin, ikan kembung dan sesetengah jenis ikan kaya dengan asid lemak omega-3 yang dapat mengurangkan risiko penyakit jantung dan strok. Menurut Harvard’s T.H. Chan School of Public Health, pemakanan ikan sebagai sumber makanan adalah sangat baik untuk kesihatan berbanding dengan kandung merkuri dalam badan ikan. Jika anda risau mengenai kandungan merkuri dalam sajian, cuba isi perut anda dengan ikan daripada rangkaian makanan paling bawah. Sesetengah ikan sperti jerung, ikan todak, king mackerel dan tilefish mempunyai tinggi kandungan merkuri berbanding ikan kecil seperti sardin, smelt, dan anchovy.

Squash

Salmon

Buah mengkudu

Dalam setiap makanan super buah – buahan exotic juga termasuk. Contohnya acai berry, buah mengkudu, buah naga, rambutan and delima. Walaupun tiada kajian saintifik tentang khasiat buah exotik seperti buah – buahan biasa seperti blueberries. Namun terdapat buah ini mempunyai nutrien tertentu. Contonya buah delima, yang mengandungi ellagitannins (asid ellagic), yang ketahui sebagai anti-kanser

seperti red raspberries. Telur, setiap biji telur mempunyai 6 gram protein (72 kalori). Sebagai cadangan sila jadikan telur sebagai sarapan pagi. Sajian ini membantu anda untuk kurus. Sos tomato kaya dengan lycopene yang bagus untuk kesihatan. Kajian dari Harvard mendapati wanita yang tinggi lycopene dalam darah, lebih kurang mengalami penyakit jantung. Avocados mempunyai lemak dan berupaya menarik nutrien lain. Akhir sekali teh hijau, kopi, dark chocolate, yogurt, dan buah zaitun. Kesimpulan, makanan super adalah bagus sebagai hidangan tetapi pengambilan permakanan yang tidak seimbang juga tidak elok. Oleh itu, pastikan anda mengamalkan diet yang betul untuk memberi nutrisi yang diperlukan oleh badan. Tidak lupa pastikan anda bersenam dan mengamalkan kehidupan yang sihat. +There’s no official scientific definition of a superfood even dietitians avoid the term “superfood”, but it’s generally accepted that superfoods contain high levels of much-needed vitamins and minerals. They can also be a source of antioxidants, substances that shield our bodies from cell damage and help prevent disease.

Blueberries often top many lists of superfoods because they are rich in vitamins, soluble fiber and phytochemicals. But the same nutrients found in blueberries are also found in many other kinds of berries, including strawberries and cranberries. A study published in 2013 in the journal Circulation found that a high intake of phytochemicals known as flavonoids — which are found in blueberries, as well as other kinds of berries — may reduce the risk of certain heart conditions in young women.

Blueberries

Kiwifruit also tops many a list of popular superfoods. Its benefits are similar, for the most part, to berries, melons, citrus fruit, apples and pears, all of which are high in vitamin C and rich in antioxidants. Kiwifruit is labeled a superfood perhaps because it contains a wider range of nutrients compared to some other fruits. A very small study published in 2011 in the Asia Pacific Journal of Clinical Nutrition suggested that consumption of kiwifruit (which also contains serotonin, a hormone that helps induce and maintain sleep) might promote a better night’s rest in people with sleep

disorders. Beans and whole grains are standard additions to the superfood lists. Beans are a source of low-fat protein. Beans contain insoluble fiber, which lowers cholesterol; soluble fiber, which provides a longer feeling of fullness; and loads of vitamins and trace minerals such as manganese. Whole grains don’t contain as much protein. Quinoa is not a grain, but it cooks up like one, and this too is a remarkable source of protein, vitamins, minerals, fiber and antioxidants. Kale lives up to the hype of a superfood. But so do most dark, leafy greens: Swiss chard,collards, mustards (including radish greens),spinach (and others in the amaranth family), and cabbages. Add broccoli to that list, as well. It’s in the cabbage-mustard family; the modern version is merely Quinoa grown for its floret instead of leaves. These dark vegetables are loaded with vitamins A, C and K, as well as fiber, calcium and other minerals.

Kiwifruit

Bean and whole grains

Sweet potato and squash also usually make the superfood list, for similar reasons as those listed for leafy greens. Both kinds of food are generally excellent sources of fiber, vitamin A and much more. They are also naturally sweet and don’t require the butter, cream or salt typically added to potatoes.

Squash

Salmon, sardines, mackerel and certain other fatty fish are rich in omega-3 fatty acids, which are thought to lower the risk of heart disease and stroke. The benefits of eating fish may far outweigh the risk of harming your health from the mercury these fish contain, according to Harvard’s T.H. Chan School of Public Health. If you worry about the contaminants your fish dinner may contain, you can try eating lower down on the food chain. Certain fish, such as sharks, swordfish, king mackerel and tilefish, contain higher levels of mercury than smaller fish, like sardines, smelt, and

anchovy. The “exotic fruit of the year” will surely be on any superfood list, too. This might be acai berry, noni fruit, dragon fruit, rambutan and orpomegranate. These fruits might be healthful, but scientific studies do not show that they are more healthful than other, less exotic (and therefore less expensive) fruits, such as blueberries. Some of these fruits may be particularly dense in certain kinds of nutrients. Pomegranate, for example, contains ellagitannins (ellagic acid), which have known anti-cancer properties. But red raspberries, which are arguably just as delicious as pomegranate seeds, also contain ellagic acid. Eggs, each egg has 6 gram of protein but just 72 calories. Try eat eggs for breakfast it will help you slim down. Next, tomato sauce loaded with lycopene that keeps your heart healty. Harvard study found women with the most lycopene in their blood reduced their risk of heart attact. Avocados with healthy fat keep you satisfied and helps absorb other nutrient. Last but not least, you can include green tea, coffee, dark chocolate, yogurt, and olives to the superfood list for a variety of reasons mentioned above.

Salmon

Noni fruit

As conclusion, superfood is good to serve on your table but unbalance diet is useless. So make sure you eat well because the important is to get full of nutrition for your body. Plus, don’t forget to do exercise and practicing a healthy lifestyle. Rujukkan/Reference: 1. Fan, Shirley (unknown). 11 Superfoods You Should Know About, Retrieved from http://www.realsimple.com/food-recipes/shopping-storing/food/superfoods (http://www.realsimple.com/food-recipes/shopping-storing/food/superfoods) 2. Women’s day staff, (2016, Apr 8). 52 of the Healthiest Superfoods You Need In Your Diet, Retrieved from http://www.womansday.com/food-recipes/food-drinks/tips/g2211/bestsuperfoods/ (http://www.womansday.com/food-recipes/food-drinks/tips/g2211/best-superfoods/) 3. Wanjek, Christopher (2015, May 11). What Are Superfoods?, Retrieved from http://www.livescience.com/34693-superfoods.html (http://www.livescience.com/34693-superfoods.html) 4. Unknown, ( 2015, June7). What Are Superfoods? Retrieved from http://www.nhs.uk/Livewell/superfoods/Pages/what-are-superfoods.aspx (http://www.nhs.uk/Livewell/superfoods/Pages/what-are-superfoods.aspx)

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i-Great Salam

April 26, 2016April 27, 2016 Leave a comment Setiap hari, kita mendengar cerita bagaimana seorang rakan atau seseorang yang dikenali menghidap penyakit, menganggapnya sebagai takdir dan tidak melakukan apa-apa, tetapi ada juga cerita-cerita inspirasi, yang membina semangat dan mendorong anda untuk melakukan sesuatu mengenainya. Kita berkongsi kegembiraan apabila membaca kisah-kisah inspirasi yang membina semangat . Ianya memberikan kita kesan yang positif, iaitu bermula hari ini, hidup hanya boleh menjadi lebih baik. Anda mesti beringat bahawa apa yang telah anda usahakan selama ini membolehkan anda mendapatkan pilihan yang lebih banyak. Seperti mendapatkan akses kepada penjagaan kesihatan yang lebih baik yang memberikan anda pelbagai jenis perkhidmatan, dari mengenal pasti punca masalah kesihatan anda sehingga membolehkan anda untuk menjaga kesihatan anda dan mencapai potensi maksimum anda. Penyakit yang serius boleh memakan masa selama beberapa bulan atau tahun, oleh itu mempunyai sokongan kewangan adalah penting bagi memastikan anda boleh pulih dalam keadaan yang tenang. Manfaat: 1. 2. 3. 4. 5. 6. 7.

Penambahan Jumlah Perlindungan secara automatik Manfaat Kejadian yang Dilindungi Manfaat Kesihatan Manfaat Elaun Hospital Manfaat Matang Hilang Upaya Penuh dan Kekal (HUPK) Manfaat Kematian

+Every day, we hear stories of how a friend or someone we know gets struck by a disease, accepts it as fate and does nothing, but there are also inspiring stories, those that lift your spirits and motivate you to do something about it. We smile when we read true inspirational stories that give a warm glow in our heart. It gives us that positive beat. It is saying that life can only get better from here on.

Remember, the wealth that you have earned all these years is equivalent to having more choices. Enhancing your access to better healthcare provides you with a broad range of services, from identifying the cause of your health challenges to empowering you to take charge of your health and reach your maximum potential. Serious illness can last for months or years and having the financial backing is critical to ensure you can recuperate in a composed manner. Benefits: 1. 2. 3. 4. 5. 6. 7.

Automatic increase in Sum Covered Covered Events Benefit Wellness Benefit Hospital Allowance Benefit Maturity Benefit Total and Permanent Disability Benefit (TPD Death Benefit

Rujukan/Reference: Unknown,(2014, March 17). i-Great Damai, Retrieved from https://www.greateasterntakaful.com/content/dam/great-eastern/takaful/en/homepage/about-us/news-and-events/i-GreatSalam/brochureSalam.pdf (https://www.greateasterntakaful.com/content/dam/great-eastern/takaful/en/homepage/about-us/news-and-events/i-Great-Salam/brochureSalam.pdf)

i-Great Damai

April 26, 2016April 27, 2016 Leave a comment i-Great Damai menawarkan kombinasi perlindungan Takaful dan pelaburan, yang melindungi keluarga anda daripada masalah kewangan sekiranya berlaku Kematian atau Hilang Upaya Total dan Kekal (TPD). Dengan serendah RM100 sebulan, anda boleh menikmati perlindungan dan pada masa yang sama peruntukan pelaburan anda akan meningkat seiring dengan masa. Anda boleh memilih untuk menambah perlindungan dengan menambah manfaat penyakit kritikal, manfaat kemalangan, manfaat kemasukan hospital dan banyak lagi. Beberapa rider yang boleh ditambah pada i-Great Damai adalah:

1. i-Medik Rider Melindungi kesihatan dan keperluan perubatan anda dengan perlindungan perubatan komprehensif seperti rawatan sebelum dan selepas kemasukan hospital, perbelanjaan pembedahan dan rawatan pesakit luar. 2. i-Critical Illness Benefit Rider: Sekiranya anda menghidapi satu daripada 36 penyakit kritikal, jumlah perlindungan bagi rider ini akan dibayar. Nota: Pembayaran tuntutan ke atas rider ini akan mengurangkan jumlah perlindungan pelan asas. 3. i-Provider Plus Rider: Semua caruman masa depan yang perlu dibayar di bawah sijil akan dibayar dari Dana Tabarru’ sekiranya berlaku penyakit kritikal atau hilang upaya. 4. i-Hospitalisation Benefits Rider: Sekiranya anda perlu diwadkan di hospital akibat sakit atau kecederaan kemalangan, anda akan menikmati manfaat tunai harian bagi setiap hari kemasukan di wad normal, atau dua kali ganda manfaat tunai harian bagi kemasukan ke Unit Rawatan Rapi. Untuk maklumat lanjut berkenaan rider, sila rujuk keterangan yang dinyatakan dalam Risalah Pemberitahuan Produk dan dokumen sijil yang dikeluarkan oleh Pengendali Takaful. +i-Great Damai offers a combination of Takaful protection and investment, which protects your family against financial difficulty upon your Death or Total and Permanent Disability (TPD). With a minimum of just RM 100 per month, you can enjoy coverage while your contribution allocation increases over time.

You may elect to add more protection by attaching critical illness benefits, accidental benefits, hospitalisation benefits and more. Some of the riders that can be attached to i-Great Damai for added protection are:

1. i-Medik Rider Protects your health and medical needs with comprehensive medical protection such as pre and post-hospitalisation treatments, surgical expenses and outpatient treatments. 2. i-Critical Illness Benefit Rider In the event of any one of 36 critical illnesses, the sum covered of this rider will be payable. Note: Claims payout on this rider will reduce the sum covered of the basic plan. 3. i-Provider Plus Rider All future contributions due under the certificate will be payable from the Tabarru’ Fund if one of the 36 critical illnesses or TPD occurs to the Person Covered. 4. i-Hospitalisation Benefits Rider In the event of hospitalisation due to illness or accidental injury, you will enjoy daily cash benefit for each day of admission in normal ward, or double daily cash benefit for each day of admission in Intensive Care Unit. For further information on the riders, please refer to the Product Disclosure Sheet and certificate document issued by the Takaful Operator. Rujukan/Reference: Unknown,(2014, Oct 27). i-Great Damai, Retrieved from https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-greatdamai/gelm-takaful-i-great-damai.pdf (https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-damai/gelm-takaful-igreat-damai.pdf)

i-Great Ameen (terhad/limited) April 26, 2016April 27, 2016 Leave a comment Anggaplah ianya sebagai satu cara yang penuh bermakna bagi membuktikan kasih sayang anda dengan melindungi masa hadapan mereka yang tersayang. Realitinya, kebanyakan orang akan mengaitkan pelan perlindungan dengan tragedi, tetapi pada hakikatnya, inilah erti SAYANG yang sebenarnya. Apakah manfaatnya untuk keluarga anda? Sebagai permulaan, ia mungkin bermakna mereka boleh terus mendiami rumah mereka yang penuh dengan kenangan, mereka juga tidak akan berhutang untuk memenuhi keperluan mereka dan impian anak anda untuk melanjutkan pelajaran ke menara gading boleh direalisasikan. Itulah dinamakan hadiah kasih sayang yang sebenarnya. Ianya adalah i-Great Ameen. Manfaat: 1. 2. 3. 4. 5. 6.

Pendaftaran mudah tanpa pengunderaitan perubatan Caruman mampu bayar serendah RM50 sebulan Terma perlindungan sehingga usia 85 tahun pada hari lahir berikutnya Khidmat Badal Haji Manfaat Kematian akibat Kemalangan Manfaat Kematian

+Consider it as an enduring way to show the ones you love that you care by protecting their future. The reality is that most people would associate a protection plan with tragedy, but the truth is, it is all about LOVE. What could this mean for your family? For starters, it could mean that they can continue to stay in their home which is full of memories, that they would not be in debt to make ends meet and that your child’s dream of higher education may be realised. Now that is a true gift of love. That is i-Great Ameen. Benefits: 1. 2. 3. 4. 5. 6.

Hassle free enrolment with no medical underwriting Affordable contribution as low as RM50 per month Coverage term up till age 85 years next birthday Badal Hajj Service Accidental Death Benefit Death Benefit

Rujukan/Reference: Unknown,(2014, Oct 27). i-Great Ameen, Retrieved from https://www.greateasterntakaful.com/content/dam/great-eastern/takaful/en/homepage/about-us/news-and-events/i-great-ameenproduct-promotion/i-great-ameen.pdf (https://www.greateasterntakaful.com/content/dam/great-eastern/takaful/en/homepage/about-us/news-and-events/i-great-ameen-product-promotion/igreat-ameen.pdf)

i-Great Abadi

April 26, 2016April 27, 2016 Leave a comment Direka untuk menjana kemewahan, i-Great Abadi memperuntukkan kadar caruman yang tinggi sebanyak 95% kepada pelaburan dari tahun pertama sijil dan seterusnya. Selain itu, pada setiap tahun ke-3 sijil, anda akan menerima tambahan 2% Peningkatan Peruntukan ke dalam peruntukan caruman.

Apabila kewangan anda semakin teguh dan keperluan berubah dari masa ke semasa, anda mungkin ingin menambah potensi pulangan sijil anda dengan meningkatkan nilai pelaburan. Anda boleh berbuat demikian dengan melakukan penambahan caruman tunggal dengan hanya RM1,000 minimum di mana 95% daripada caruman yang dibayar akan diperuntukkan kepada dana unit. Baki 5% akan digunakan untuk untuk memenuhi perbelanjaan Pengendali Takaful dan kos pengagihan terus, termasuk komisen yang dibayar kepada ejen.

Sekiranya berlaku kematian, atau ditimpa Hilang Upaya Total dan Kekal (TPD) sebelum umur 70 tahun, jumlah perlindungan asas sebanyak RM10,000 dari Dana Tabarru’ dan jumlah nilai unit dana dari Akaun Unit Peserta (jika ada), akan dibayar penuh, atau bergantung kepada peruntukan TPD dalam sijil, untuk memastikan orang tersayang menerima sumber kewangan yang diperlukan untuk meneruskan hidup.

Jika berlaku kematian akibat kemalangan dalam tempoh tahun pertama sijil, Kematian Kemalangan (ADB) tambahan akan dibayar dalam satu jumlah sekali gus. ADB dibayar adalah 10% daripada Jumlah Caruman yang Dibayar tolak Pengeluaran Sebahagian (jika ada) yang dibuat semasa tahun pertama sijil, iaitu Jumlah Caruman yang Dibayar tolak Pengeluaran Sebahagian (jika ada) sekurang-kurangnya RM20,000. ADB adalah terhad kepada amaun maksimum sebanyak RM100,000. Great Abadi membolehkan anda menambah perlindungan dan memastikan pelaburan anda berterusan dengan rider berikut, yang boleh disertakan pada i-Great Abadi: 1. i-Provider on TPD Rider Sekiranya kesihatan Orang yang Dilindungi menjejaskan kemampuan fizikal seperti mengalami Hilang Upaya Total dan Kekal, semua caruman masa akan datang bagi sijil ini akan dibayar dari Dana Tabarru’. 2. i-Provider Plus Rider Semua caruman masa hadapan untuk sijil akan dibayar dari Dana Tabarru’ sekiranya berlaku satu daripada 36 penyakit kritikal atau TPD terhadap Orang yang Dilindungi. Anda mempunyai pilihan untuk menambah rider lain seperti i-Provider on DD Rider, i-Contributor Benefit Rider dan i-Contributor Benefit Plus Rider. Untuk maklumat lanjut, sila rujuk keterangan yang dinyatakan dalam Risalah Pemberitahuan Produk dan dokumen sijil yang dikeluarkan oleh Pengendali Takaful. +Designed to foster your wealth, i-Great Abadi allocates a high contribution allocation rate of 95% to investments from the first certificate year onwards. On top of that, your contribution allocation will be rewarded an additional 2% Enhanced Allocation for every 3rd certificate year

Flexibility to Top Up Your Investment: Value From time to time as your financial strength and needs change, you may want to increase the potential returns of your certificate by boosting your investment value. You can do so with a minimum single contribution top-ups of RM1,000, of which 95% of the contribution paid will be allocated to unit fund(s). The remaining 5% is used to meet Takaful Operator’s expenses and direct distribution cost, including the commissions payable to the agent.

In the event of death, or should you be afflicted with Total and Permanent Disability (TPD) before the age of 70, the basic sum covered of RM 10,000 from the Tabarru’ Fund and total values of the unit fund(s) from the Participant’s Unit Account (if any), will be paid out in full, or in accordance to the TPD provision of the certificate, ensuring your loved ones receive the financial resources they will need to carry on.

In the event of death due to accidental cause within the 1st certificate year, additional Accidental Death Benefit ADB will be payable in one lump sum. ADB payable is equal to 10% of the Total Contribution Paid minus Partial Withdrawal (if any) made during the 1st certificate year provided that the Total Contribution Paid minus Partial Withdrawals (if any) must be at least RM20,000. The ADB shall be limited up to a maximum amount of RM100,000. i-Great Abadi enables you to enhance your protection and ensures the continuity of your investments with the following riders, which can be attached to i-Great Abadi:

1. i-Provider on TPD Rider When a Person Covered’s health is let down with a physical setback like Total and Permanent Disability, all future contributions due under the certificate will be payable from the Tabarru’ Fund. 2. i-Provider Plus Rider All future contributions due under the certificate will be payable from the Tabarru’ Fund if one of the 36 critical illnesses or TPD occurs to the Covered Person.

You also have the option to add on other riders such as i-Provider on DD Rider, i-Contributor Benefit Rider and i-Contributor Benefit Plus Rider. For further information, reference shall be made to the details specified in the Product Disclosure Sheet and certificate document issued by the Takaful Operator. Rujukan/Reference: Unknown,(2014, Oct 27). i-Great Abadi, Retrieved fromhttps://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-greatabadi/gelm-takaful-i-great-abadi.pdf (https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-abadi/gelm-takaful-igreat-abadi.pdf)

i-Great Amal April 26, 2016April 27, 2016 Leave a comment i-Great Amal direka untuk melindungi anda dan orang tersayang daripada kejadian yang tidak diduga. Sekiranya berlaku kematian, Jumlah Perlindungan Asas daripada Dana Tabarru’ dan jumlah keseluruhan yang ada di dalam Akaun Individu Peserta (PIA) (jika ada), akan dibayar sepenuhnya, untuk mengurangkan beban orang tersayang. Manfaat:

1. Sekiranya anda mengalami Hilang Upaya Penuh dan Kekal (TPD) sebelum sijil matang, anda akan menerima sejumlah wang mengikut peruntukan TPD dalam sijil untuk perbelanjaan hilang upaya. 2. Manfaat Ihsan sekiranya anda meninggal dunia, keluarga anda akan menerima RM2,000 dalam jumlah sekali gus sebagai Manfaat Ihsan daripada Dana Tabarru’. 3. Tunai untuk Mengerjakan Haji atau Umrah Sekiranya anda bercadang untuk mengerjakan Haji atau Umrah, anda tidak perlu risau soal perbelanjaan kerana kami akan memberikan RM800 (sekali sahaja sepanjang tempoh sijil) secara tunai. Pihak kami akan turut memberikan wang RM800 ini sebagai hibah kepada anda atau orang yang anda kasihi sekiranya perkara yang tidak diingini menimpa anda seperti kematian atau TPD pada bila-bila masa selagi sijil masih berkuatkuasa (sekiranya belum dituntut sepanjang tempoh sijil). Dan sekiranya anda masih belum menerima manfaat tunai ini sepanjang tempoh sijil, pihak kami akan membayar RM2,000 sekali gus bersama jumlah di dalam PIA (sekiranya ada) semasa tempoh matang. Sijil mestilah berkuatkuasa sekurang-kurangnya 5 tahun untuk layak menerima manfaat ini dan semua caruman telah dikemaskini. Manfaat ini hanya akan diberikan bagi 2 sijil sahaja. 4. Menunaikan haji merupakan rukun Islam yang ke-5. Bagi memenuhi tuntutan Haji ini, sekiranya ditakdirkan anda meninggal dunia atau menderita akibat TPD, kami akan melantik manamana badan dan organisasi yang berkaitan bagi menunaikan Badal Haji untuk anda. Segala yuran yang dikenakan akan ditolak daripada manfaat yang akan dibayar kepada penama. Manfaat ini adalah tertakluk kepada Orang yang Dilindungi berumur 16 tahun (hari jadi berikutnya) dan keatas sahaja semasa tuntutan dibuat. 5. Manfaat Adha. Para sahabat pernah bertanya Rasulullah SAW: “Ya Rasulullah, apakah yang dimaksudkan dengan Qurban?” Rasulullah SAW menjawab: “Itulah sunnah bapamu Ibrahim.” Para sahabat bertanya lagi, “Apakah yang kita akan perolehi daripada Ibadah Qurban?” Baginda menjawab, “Untuk setiap helai bulu dari binatang Qurban, kamu akan mendapat satu kebaikan.” (Hadis riwayat Ahmad dan Ibnu Majah). Bagi membantu anda mengerjakan Ibadah ini, kami berasa bertuah untuk memberikan anda RM500 untuk anda mengerjakan Ibadah Qurban ke atas satu bahagian haiwan yang akan dikorbankan. Anda mempunyai pilihan untuk mengerjakannya sendiri atau melantik kami sebagai ejen bagi mengerjakan Ibadah Qurban untuk anda. Syarat Sijil mestilah berkuatkuasa sekurang-kurangnya 10 tahun untuk layak menerima manfaat ini dan semua caruman telah dikemaskini. Sekiranya kos bagi mengerjakan Qurban melebihi RM500, kami akan membayar anda sehingga maksima RM500 tanpa pilihan untuk melantik kami sebagai ejen untuk mengerjakan Qurban untuk anda. Kami berhak mengganti manfaat ini dengan manfaat yang bersamaan tanpa perlu memberi notis awal. Tertakluk kepada lain-lain terma dan syarat. 6. Peroleh Ganjaran. Apabila Sijil Matang Setelah sijil matang, 100% daripada jumlah kesuluruhan dalam PIA (jika ada) dan manfaat Tunai untuk Mengerjakan Haji atau Umrah sebanyak RM2,000 (sekiranya masih belum dituntut sepanjang tempoh sijil) akan dibayar dalam satu jumlah sekali gus. Perlindungan Tambahan Dengan caruman tambahan, anda boleh menambah manfaat pilihan bagi perlindungan i-Great Amal. Sebahagian daripada manfaat pilihan tersebut adalah: 1. i-Contributor Benefit Plus Term Rider Semua caruman asas dan caruman bagi i-Critical Illness Benefit Term Rider (jika ada) yang perlu dibayar sehingga akhir tempoh perlindungan akan dibayar daripada Dana Tabarru’ jika peserta meninggal dunia atau mengalami TPD atau penyakit kritikal. Rider ini memastikan anda tetap memperolehi perlindungan tanpa sebarang gangguan. 2. i-Critical Illness Benefit Term Rider Jika anda mengalami salah satu daripada 36 penyakit kritikal, jumlah perlindungan yang tertentu akan dibayar.

+i-Great Amal is designed to protect you upon unexpected events. In the event of death, the Basic Sum Covered from the Tabarru’ Fund and total amount from the Participant’s Individual Account (PIA) (if any), will be paid out in full, easing financial burden of your loved ones. Should you be afflicted with Total and Permanent Disability (TPD) before maturity, you will receive a sum of money in accordance to the TPD provisions of the certificate to be used towards meeting your disability expenses. Benefits:

1. Double Coverage for You While Performing Hajj or Umrah At GETSB, we value the importance of Hajj and Umrah. With this in mind, we are offering double coverage in the event of your demise while performing your Ibadah of Hajj or Umrah. This benefit is applicable for death or TPD before the Person Covered’s age 60 years. Other terms and conditions may apply 2. Compassionate Benefit: In the event of your death, your family will receive a lump sum payment of RM2,000 as Compassionate Benefit from the Tabarru’ Fund. 3. Great Eastern Takaful Extra: Benefits to Sparkle Your Journey Cash for Performing Hajj or Umrah If you are planning to perform Hajj or Umrah, worry not about your expenses because we will give you RM800 (once in a certificate lifetime) in cash. We will also give out this RM800 as hibah to you or your loved ones if unexpected event like death or TPD happens to you at anytime as long as the certificate is still inforce (if yet to be utilized during the certificate lifetime) And, so long you have not received this cash benefit during the certificate lifetime, we will pay out RM2,000 lump sum on top of the amount in PIA (if any) upon maturity. Certificate must be inforce for at least 5 years to be eligible for this benefit and all contributions due are paid up-to-date. This benefit is given for up to 2 certificates only. 3. Other terms and conditions may apply. 4. Badal Hajj (Hajj by Proxy): Hajj is the 5th pillar upon which Islam stands. To ensure that your Hajj obligation is fulfilled even in the event of your death or if you should be suffering from TPD, we will appoint an able body or organization to perform Badal Hajj for you. The fees shall be deducted from the benefit payable to the nominee. This benefit is only applicable for Person Covered age 16 years (age next birthday) and above, upon claims. 5. Adha Benefit: The Prophet Muhammad (pbuh) was asked “What is Qurban?”, He answered “It is the sunnah of your father Ibrahim (as)”. They asked again “What will we receive from the Qurban?”. He answered “For every hair in the wool of the Qurban animal you will receive a reward”. (hadith – Ahmad and Ibn Majah). To assist you in performing this noble deed, we feel privileged to grant you RM500 for you to perform this act on one part of the chosen animal for Qurban. You have the option to perform the deed yourself or appoint us as an agent to perform the Qurban for you. Certificate must be inforce for at least 10 years to be eligible for this benefit and all contributions due are paid up-to-date. If the cost to perform Qurban is more than RM500, we will pay you the maximum amount of RM500 without the option of appointing us as agent to perform Qurban for you. We have the right to replace this benefit with other equivalent benefit without giving any advance notice. Other terms and conditions may apply 6. Pays You Upon Maturity: Upon maturity, 100% of the total amount in the PIA (if any) and Cash for Performing Hajj or Umrah Benefit of RM2,000 (if yet to be utilized during the certificate lifetime) will be payable in a lump sum. Extra Protection With an additional contribution, you can enhance your i-Great Amal protection with optional add-ons. Some of these are:

1. i-Contributor Benefit Plus Term Rider: All future basic contributions and contributions for i-Critical Illness Benefit Term Rider (if any) due up to end of coverage term will be payable from the Tabarru’ Fund if the participant passes away or suffers TPD or critical illness. This rider ensures your uninterrupted protection. 2. i-Critical Illness Benefit Term Rider: If you suffer from any one of the 36 critical illnesses, a certain amount of sum covered will be payable. For more information on these riders and other available riders, please contact your servicing agent or our Careline. Rujukan/Reference: Unknown,(2016). i-Great Amal, Retrieved from https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-amal/gelmtakaful-i-great-amal.pdf (https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-amal/gelm-takaful-i-great-amal.pdf)

i-Great Teras April 26, 2016April 27, 2016 Leave a comment Takaful adalah satu konsep bantuan bersama berasaskan prinsip perpaduan, kerjasama dan tanggungjawab. Para peserta menyumbang berasaskan Tabarru ‘(derma) kepada dana yang akan digunakan untuk membantu satu sama lain yang ditimpa musibah. Manfaat: 1. Death or Total and Permanent Disability (TPD): i-Great Teras melindungi keluarga anda daripada masalah kewangan apabila berlaku kematian atau TPD anda. Jumlah manfaat akan dibayar daripada Dana Tabarru’. 2. Bereavement benefit: Sekiranya anda meninggal dunia, GETSB akan memberikan RM2,000 sebagai kahirat kematian kepada keluarga anda. Ini akan membolehkan keluarga anda untuk menampung perbelanjaan pengebumian. 3. Pays you upon maturity: Apabila matang, 100% daripada jumlah di dalam PIA (jika ada) akan dibayar secara sekaligus.

+ Takaful is a mutual assistance concept based on the principle of solidarity, cooperation and responsibility. Participants contribute on the basis of Tabarru’ (Donation) to a fund that will be used to help each other in times of misfortune. Benefist:

1. Death or Total and Permanent Disability (TPD): i-Great Teras protects your family against financial difficulty upon your death or TPD. The benefit amount will be payable from the Tabarru’ Fund. 2. Bereavement benefit: In the event of your death, GETSB will give RM2,000 as a gift to your family. This will enable your family to cover the funeral expenses. 3. Pays you upon maturity: Upon maturity, 100% of the total amount in the PIA (if any) will be payable in a lump sum. Rujukan/Reference: Unknown,(2016). i-Great Teras, Retrieved from https://www.greateasternlife.com/my/en/personal-insurance/find-the-right-plan/takaful/takaful/i-great-teras.html (https://www.greateasternlife.com/my/en/personal-insurance/find-the-right-plan/takaful/takaful/i-great-teras.html)

i-Great Iqra’ April 26, 2016April 27, 2016 Leave a comment i-Great Iqra’ adalah tabungan untuk Pendidikan Anak anda. i-Great Iqra’ memberi ganjaran kepada anda melalui kadar peruntukan yang berpatutan dengan caruman dari hanya RM100 sebulan. Pelaburan yang lebih akan dapat mereliasasikan impian anak anda untuk mencapai matlamat pendidikan yang sewajarnya dengan lebih cepat.

Orang yang anda sayangi akan dilindungi daripada perkara yang tidak diduga. Sekiranya berlaku kematian, jumlah perlindungan asas dan jumlah nilai di dalam Akaun Unit Peserta (PUA) akan dibayar. Perlindungan kewangan juga akan diberikan sekiranya berlaku Hilang Upaya Penuh dan Kekal (TPD). Ganjaran berbentuk insentif wang tunai sekiranya anak anda berjaya meraih keputusan peperiksaan yang cemerlang yang tertakluk kepada terma dan syarat. Dibawah adalah Perlindungan Tambahan anda boleh menambah baik:

1. i-Contributor Benefit Plus Rider Semua caruman masa hadapan sehingga akhir tempoh perlindungan akan dibayar daripada Dana Tabarru’ jika penyumbang tersebut meninggal dunia atau mengalami TPD atau penyakit kritikal. Rider ini memastikan anda mencapai matlamat pelan tabungan anda. 2. 2.i-Critical Illness Benefit Rider Jika anak anda mengalami salah satu daripada 36 penyakit kritikal, jumlah perlindungan yang tertentu akan dibayar. 3. i-Early Payout Critical Care Rider Perlindungan penyakit kritikal yang unik ini akan dibayar semasa diagnosis, sebelum penyakit itu menjadi teruk. Ia membayar tuntutan berganda bagi penyakit kritikal yang berbeza atau tahap keterukan yang berbeza menerusi penyakit kritikal yang sama. +i-Great Iqra’ is savings for Your Child’s Education Reap. Its reward through generous allocation rates with an affordable contribution from just RM100 per month. The more investment you make, chances are that your child may be able to achieve his dreams sooner.

Your loved one is protected against the unexpected. In the event of death, the basic sum covered and total values in your Participant’s Unit Account (PUA), will be paid out. Financial protection is also provided upon occurrence of Total and Permanent Disability (TPD).

Reward on your Child’s Performance Cash incentive when your child receives excellent examination results with terms and conditions apply. Below is Extra Protection Enhance i-Great Iqra’ with these additional add-ons:

1. i-Contributor Benefit Plus Rider All future contributions due up to end of coverage term will be payable from the Tabarru’ Fund if the contributor passed away or suffers TPD or critical illness. This rider ensures your savings plan stays on track. 2. i-Critical Illness Benefit Rider If your child suffers from any one of the 36 critical illnesses, a certain amount of sum covered will be payable. 3. i-Early Payout Critical Care Rider This unique critical illness protection pays upon early diagnosis of a critical illness, before the illness becomes severe. It also pays multiple claims across different critical illness or across severity levels within the same critical illness. Rujukan/Reference: Unknown,(2014, Oct 27). i-Great Iqra’, Retrieved https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-iqra/gelmtakaful-i-great-iqra.pdf (https://www.greateasternlife.com/content/dam/great-eastern/my/homepage/personal-insurance/find-the-right-plan/takaful/i-great-iqra/gelm-takaful-i-great-iqra.pdf)

Tempahan Produk/Product Inquary April 25, 2016April 27, 2016 Leave a comment Di pasaran sekarang terdapat banyak penjualan produk takaful. Hal ini memberi banyak pilihan kepada penguna. Setiap produk mempunyai kelebihan berdasarkan jenis perlindungan. Oleh itu sebagai penguna yang bijak pastikan ada tahu apa yang anda mahukan. Dibawah adalah contoh produk – produk Great Eastern Takaful. Bandingkan produk – produk ini berdasarkan keperluan dan status kewangan anda. 1. 2. 3. 4. 5. 6. 7.

i-Great Damai (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-damai-2/) i-Great Teras (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-teras/) i-Great Amal (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-amal/) i-Great Abadi (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-abadi/) i-Great Iqra’ (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-iqra/) i-Great Salam (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-salam/) i-Great Ameen (terhad) (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-ameen-terhadlimited/)

Sebagai penasihat takaful kami mencadangkan anda menyimpan diantara 11% – 15% daripada pendapatan. Jika anda berminat sila isi borang dibawah.

+Nowadays we have many takaful products in market to choose. Every product come in different benefit with different plan protection. Therefore as consumer make sure your decision base on your requirement. Below is the example of products from Great Eastern Takaful. Do your comparison before you choose to make sure you get the right one. 1. 2. 3. 4. 5. 6. 7.

i-Great Damai (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-damai-2/) i-Great Teras (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-teras/) i-Great Amal (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-amal/) i-Great Abadi (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-abadi/) i-Great Iqra’ (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-iqra/) i-Great Salam (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-salam/) i-Great Ameen (terhad) (https://takafuladvisorblog.wordpress.com/2016/04/26/i-great-ameen-terhadlimited/)

As takaful advisor, we advise you to use around 11% – 15% of your salary. If you already make your decision please fill in the form.

Pengambilan Kerja/Recruitment

April 25, 2016April 27, 2016 Leave a comment Penasihat Takaful atau Agen Takaful adalah satu perkerjaan profesional. Kerjaya ini menjamin masa depan dan menarik untuk diceburi. Terdapat banyak kelebihan menjadi penasihat takaful antaranya: 1. 2. 3. 4.

Pendapatan tanpa had dan berterusan. Masa kerja yang fleksibel. Peluang melancong ke luar negeri. Caruman kwsp (bagi yang layak).

Jadi jika anda berminat untuk mencuburi bidang ini sila isi borang dibawah. Usah kuatir kepada mereka yang tidak mempunyai pengalaman, kami akan memberi anda bimbingan dan latihan yang koprehensif disamping seminar dan kursus untuk membantu anda berjaya. +Takaful advisor or Takaful Agent is a professional job. This career help you to build up your future. Your will get many benefit when you become takaful advisor. For Example: 1. 2. 3. 4.

No limit for your income. Flexible working time. Travel Abroad opportunities. EPF (for those who qualify)

To show your interest please fill in the form. To those who don’t have any experience in takaful don’t be shy, we will help you to fulfill your dream with comprehensions guidance, training and seminars.

CREATE A FREE WEBSITE OR BLOG AT WORDPRESS.COM.

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April 2016 – Takaful.Advisor.Blog

Takaful.Advisor.Blog Month: April 2016 Makanan Super/Superfood April 27, 2016May 6, 2016 Leave a comment by Nor Aishah binti Abd Aziz Tiada definisi...

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