Prudential : Insurance for your family , sometimes you just have to choose

Sometimes we just dont have budget to cover the whole family , so we just have to choose between

Parents or childrens?
Medical more or income protection more?
Term or wholelife?

Usually as an agent i would suggest my client to balance everything up , If you want to cover the whole family maybe you can put more comprehensive plan for parents since they are the bread winner (the source of income) , and for your children maybe you can consider for term since the plan is cheaper and the plan can cover them up until they have the capability to take up their own policy.However the situation can be relatively different to different family. It depends on the need and the problem of the family and the solution must be able to fill the need and solve the problem according to the financial capability.

Education fund : Apa yang bagusnye simpan dekat prudential?

Korang dah buat simpanan untuk pelajaran anak anak? Kalau yer simpan dimana ?
meh nak teka ...

1. Bank ?
2. SSPN ?
3. Amanah didik?

Apa kelebihan simpan dekat prudential ?

No 1 . Jika berlaku kematian kepada penjaga , simpanan untuk anak anda akan diteruskan oleh Prudential.

No 2 :Jika berlaku Total permanent disability atau Critical Illness , simpanan untuk anak anda akan diterus oleh Prudential.

No 3 : Jika berlaku kematian kepada anak , pampasan akan diberikan kepada waris.

No 3 : Jika berlaku Critical illness atau Total permanent disability , simpanan untuk anak anda akan diterus oleh prudential.


Cuba anda kaji jika 4 kelebihan ini ada untuk simpanan ditempat lain.

Prudential BSN Takaful : What is Accidental Death and Disablement (ADD) ?

Accidental Death and Disablement (ADD) is the benefit designed to provide the Participant or next-of-kin with a lump sum amount in the event of death or bodily injury from accidental causes before age 70.

Major Benefits and Indicative Contribution Rates

Benefits Compassionate allowance of Rm2,000 in the event of death due to accidental or natural causes ADD benefits as per the Schedule of Benefits Annual contribution per RM1,000 sum covered: Class 1 & 2 Class 3 Class 4 RM1.84 RM2.88 RM4.03

Scale of Benefits Percentage of ADD Amount of Benefit Loss of life of the Participant 100% Total and Permanent Disability of the Participant 100% Total, Permanent and Irreversible: Loss of two limbs 100% Loss of both hands or of all fingers and both thumbs 100% Loss of all sight in both eyes 100% Loss of hand at or above wrist 100% Loss of leg at or above ankle 100% Loss of all sight in one eye 100% Loss of all sight in one eye except perception of light 50% Loss of lens of one eye 50% Loss of speech 50% Loss of four fingers and thumb - right hand - left hand 70% 50% Loss of four fingers of - right hand - left hand 40% 40% Loss of thumb - both phalanges of a thumb - one phalanx of a thumb 30% 15% Loss of right finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 10% 7.5% 5% Loss of left finger - three phalanges of a finger - two phalanges of a finger - one phalanx of a finger 7.5% 5% 2% Loss of metacarpals - first or second (additional) - third, fourth or fifth (additional) 3% 2% Loss of all those on one foot 15% Loss of great toe - both phalanges of a great toe - one phalanx of a great toe 5% 2% Loss of other toe, each 2% Fractured leg or patella with established non-union 10% Scale of Benefits Percentage of ADD Amount of Benefit Shortening of leg by at least 2.5cm 7.5% Loss of hearing - both ears - one ear 75% 15% Loss of whole ear - both - one 6% 3%

Important terms and conditions of the product

Loss (other than the loss of life) shall be deemed to be Total and Irrecoverable Loss of Use.

If the Participant is left-handed, the percentage of the various disabilities of the right hand and left hand will be transposed.
"Total and Permanent Disability" means that if the disability, as a result of sustaining personal injuries by reason of an accident, has occurred:

a) before the attainment of age 15, the Participant at such date of disability and at anytime thereafter, needs constant care and attention and is confined due to the accident to his/her home under medical supervision or in a hospital or similar institution. Such disability must be permanent and must last for a minimum period of six consecutive months; or

b) on or after the attainment of age 15, the Participant at such date of disability and at anytime thereafter, comes completely unable to engage in any occupation and to perform any work for remuneration or profit.

Where the injury is not specified the Takaful Operator will adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the above Scale of Benefits.


Double Indemnity: The Scale of Benefits, in lieu of being payable above will be doubled in the event that the Participant shall sustain bodily injury effected directly and independently of all other causes by a sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place, which shall result in any of the specified losses within 12 months of the accident occurring:

a) while the Participant is travelling in any public busses, taxis, trains and monorails over an established land route; or

b) while the Participant is in an elevator car (excluding elevators in mines and construction sites); or

c) in consequence of the fire of a burning theatre, hotel or other public building in which the Participant shall be at the commencement of the fire.

Exclusions

ADD Benefit will be payable provided that death, loss, medical reimbursement (if any) or disability was not directly or indirectly occasioned or accelerated:

i. by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion;

ii. by any violation or attempted violation of the law or resistance to arrest;

iii. by attempted suicide or self-inflicted injuries while sane or insane;

iv. by pregnancy, childbirth, miscarriage or any complications thereof;

v. by pre-existing physical or mental defect or infirmity;

vi. by engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang gliding, ballooning, parachuting and sky diving) other than as a crew member of or as a fare paying passenger on a licensed passenger-carrying commercial aircraft operation on a regular scheduled route or any hazardous activities or sports, unless agreed by special endorsement;

vii. by narcotic or drug unless taken as prescribed by a qualified doctor or physician or surgeon;

viii. by alcoholic intoxication.

Soalan lazim Prudential , pre-existing condition tu ape?

Pre-existing condition maksud kalau encik encik dan puan puan dan di diagnose oleh doktor untuk sesuatu penyakit , penyakit itulah pre-existing condition.

Sebagai contoh :

Ahmad umur 38 tahun , da masuk wad tahun lepas ( 2010 ) Hospital Columbia Asia sebab buasir(piles) , lepas tu dia apply PRUbsn Takafulink ,
so kat dalam borang agent akan disclose macam ni

Warded due to hemorrhoid
Year : 2010
warded for 2 days
Fully recovered

So bile hantar borang , borang ini akan pergi kat underwriting department dekat PRUbsn , so diaorg akan nilaikan le sama ada nak nak buat pengecualian untuk penyakit ini. Kalau ade penge cualian ( nanti dia akan kuar surat pengecualian untuk client sign) , kalau client terima maksudnya kalau masuk hospital untuk sakit ni (hemorrhoid) Prudential takkan bayar.

Jadi the moral of the story , apply le insurance sebelum sakit or masuk hospital supaya tade pengecualian(exclusion).

Soalan lazim , insurance kalau besalin cover tak?

Jawapannye tak , mane mane insurance takkan cover untuk bersalin tetapi memang ada plan plan tertentu yang cover pregnancy complication dan juga congenital illness. Kalau untuk produk Prudential kita ada PRUmy child dan juga PRUlady yang ada coverage ini.

nak tahu lebih lanjut check brochure untuk dua dua produk ini atau call je saye untuk appointment 012-3287042 ( Azam) lagi senang nak citer ye tak , jangan risau tade obligation just knowledge sharing.

PRUlady's Brochure
PRUmy Child

Simpanan dengan prudential PRUsaver atau Takafulsaver.. jangan salah paham

Tujuan post ni nak jelaskan tentang simpanan di PRUsaver atau Prudential BSN Takaful Takafulsaver. Saya nak jelaskan kat sini yang premium yang dibayar tiap2 bulan tu bukan semuanya jadi simpanan yer , selalu agent akan put aside lebih kurang 10 percent untuk masuk dalam investment fund ( saver). 10% ini yang akan beranak membentuk saving anda. Jikalau anda hendak banyakkan simpanan didalam investment fund anda jadi anda boleh lah topup berapa nilai yang anda mahu kedalam investment anda. 95% akan dimasukkan kedalam simpanan anda dan 5% akan digunakan untuk membayar caj perkhidmatan.

Apakah kelebihan menyimpan didalam saver prudential?

Kalau anda kena critical illness atau Total permanent disability , prudential akan teruskan menyimpan untuk anda. Kan bagus macam tu , kalau anda simpan dekat bank kalau anda sakit atau hilang upaya kekal adakah bank akan terus menyimpan untuk anda?

Apa yang menarik lagi disini wang yang dimasukkan kedalam saver boleh dikeluarkan pada bila bila masa asalkan tinggalkan RM 1000 untuk terus polisi.

Jadi apabila anda membayar premium bukan semua duit premium itu akan jadi simpanan , kalau semuanya disimpan sape nak bayar komisen agent , sapa nak tanggung insurance charges camne Prudential nak baya gaji staff dia betol ke idak? harap harap post ini dapat menjelaskan tentang simpanan di Prudential.

Ada rasa lagi sakit tak lepas discharge dari hospital bila tengok bil

Jangan main main abang , kalau keluar hospital tengok bil RM 10,000 mau meletup time tu jugak kepala rasanya , jadi kesimpulannya buatlah medical card PRUhealth ke Takafulhealth ke tak kisah le , lagi bagus biar le dari Prudential.