Getting married is the first step to bigger responsibilities. You are ready to set up a new home and soon a family. Planning early would provide you the ease at a later stage in life. It is important that you and your loved ones are adequately protected against life's uncertainties and risks. And when you are starting out, you want a simple insurance plan that offers flexibility and options to select the type of coverage and amount of protection you need.

Friday, August 7, 2009

TaKaFuL eTiQa - MESRA

Posted by JaJa . Friday, August 7, 2009
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Are you planning for the future? At Etiqa Takaful, we make it our point to understand what it is you want so that we can help you meet them by providing you with the right solutions.

By helping you save as well as providing you with the coverage you need, you now have one less thing to worry about it, so you can enjoy life even more.

MESRA is a plan offering coverage and savings elements. From the fourth year of coverage, the contribution operation ratio is more towards savings which is as high as 75%.

BENEFIT
The MESRA benefit is paid out if death or total permanent disability occurs and for the total permanent disability, the benefit will be paid out in instalments for 5 years with a sum of 10% per year and the final instalment at the rate of 60%.

CONTRIBUTION
The annual contribution sum that will be paid will determine the coverage amount that will be attained by multiplying with the multiplier schedule based on the age and duration of the coverage. The contribution ratio for savings gets bigger when the contract duration gets longer.

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Tuesday, July 7, 2009

TaKaFuL eTiQa - Warisan

Posted by JaJa . Tuesday, July 7, 2009
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We all hope that our legacy and lineage will carry on into the future; and that our future generations will be well taken cared of. Etiqa Takaful understands this concern and wish. By taking into consideration your aspirations and hopes, we have designed a plan that helps you provide for those to come.

Etiqa Takaful Warisan is a takaful scheme that offers savings and coverage benefits which enable you to plan your finances for the wellbeing of yourself and the generations to come.

BENEFIT
Enables the continuation of coverage until the age of 88 years even though the contribution has stopped. This is the advantage of Etiqa Takaful’s products.

At the end of the contract period, the total sum of the Participant Account will be returned together with the profit sharing from the participant’s account and the excess of the Participant Special Account.

Participation of children aged from 6 months is allowed with a coverage of up to RM200,000.

Should total permanent disability happen, the coverage sum will be paid in 3 payments. 20% from the coverage sum and Accumulated Participant Account as well as the profit from the Participant Account once the disability is confirmed, 40% at the end of the first and second year from the date of disability.

QUALIFICATION OF PARTICIPATION
Age limit : 6 months to 60 years.

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Sunday, June 7, 2009

TaKaFuL eTiQa - PRIMA

Posted by JaJa . Sunday, June 7, 2009
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At Etiqa Takaful, we want to help you meet your goals. By keeping your best interests at heart, we are able to provide you with the right plan to suit your needs; thus guiding you in the right direction towards achieving your goals.

Etiqa Takaful Prima is a special plan with scheduled returns and absolute freedom in the current financial planning… education, umrah and ziarah, travelling, investment etc.

BENEFITS
The total coverage lump sum will be paid out within the effective contract period should death happen.

If total permanent disability happens, the coverage sum will be paid in 3 payments: 20% of the coverage amount and the Accumulated Participant Account and profit from the Participant Account when the disability is confirmed; 40% at the end of the first and second year from the date of disability.

Survival Benefits – Every 3 years beginning from the end of the third year of contract: 10% of the coverage amount based on an investment return of 4% per year.

Scheduled survival benefit balance including Participant Account as well as the Participant Account’s profit and Excess Participant Special Account.

The surrender value of the accumulated Participant Account from the second year of surrender.

For whatever reason, if you are not able to continue with the contribution, you may choose one of the options in the ‘provision of non-forfeiture’ to continue with the participation.

QUALIFICATION OF PARTICIPATION
Age limit: 6 months to 54 years (on the following birth date)

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Being Etiqa

If you have always wanted to know more about this topic, then get ready because we have all the information you can handle.

Nowadays, with the new self and logo, we are dynamically progressive, shifting both internally and externally to guarantee that you, our esteem stakeholder profit from such changes. The name is matchless, personified by our soul strain idea of Humanizing cool. The logo is dynamic, daring and distinctive. Yet, it holds frozen to central family morals with the face reflected and the TQ representing our appreciation to you. Its childish enthusiasm is visible in the mix of better and worse crate words which also reflects the approachability and accessibility of our organisation to our clients. The fair and black signifies the relate to our father troupe, Maylean and exemplifies our frozen economic existence.

What it means to you?

However, we trust that this new name and logo symbolizes change. Not just physically, but internally as well. We have occupied straining to mind and with the launch of this new self, we have untouched to guarantee that we are able to be better for you, to wait you better, to renovate better goods for you and most importantly, to just be there for you. Let us secure you that the policies that you presently have are still suitable and are only precious by a change in its name, where it will be more reflective of the new strain. For all of us here at Etiqa, we trust in living our new strain and we are confident that you will have the experience of a new world of Etiqa.

From here on out, we will give you tips on what can make this subject a little more helpful to you.

Not sure where to start or what to do when dealing with insurance & takaful?

Here's some tips to help you.

Where can I purchase an insurance or takaful plan?
You can either call directly to Etiqa Oneline at 1-300-13-8888 for simple insurance & takaful plan such as protection for your home & its content, a personal accident plan or a motor insurance or takaful plan. You can also contact or visit any of our branches. For the branches nearest to you, please refer to our extensive branches location at the Contact Us section. Don't forget that you can also purchase you motor takaful plan online, through www.motortakaful.com.

How do I know what insurance or takaful products that I need?
For a quick guide, you can refer to the products in either the Insurance or Takaful section of this website. There, identify yourself with one of the group depending on your needs or your life cycle. Once you have chosen your needs or life cycle, you will be presented with a list of products that are suitable for you. Of course, you can call our Etiqa Oneline at 1-300-13-8888, visit our nearest branch or see any of our 14,000 agents for further information and explanation.

What is the different between an insurance product and a takaful product?
Both insurance and takaful products aim to provide you with protection to yourself, family, vehicles, homes, valuables, company and more. The only different is that takaful products and plans are guided by the Islamic principles. However, takaful products are open for people from all religions and is not solely for the Muslim. Whether you choose to take an insurance plan or a takaful plan, the most important thing is that you take up a protection plan that you are comfortable with and suits you current and future needs.

What do I need to purchase an insurance or takaful plan?
Before you make that call or visit to us, think about what you need to protect or cover and you future needs. For life insurance and family takaful products, all you need to bring is your identity card and fill in the proposal form with our agents or at our branches.You may be required to do a health check in some cases. For general insurance and takaful products, you may need to bring all relevant legal documents for your home, vehicles, company/businesses and others, depending on what you need to protect.

What if I need to make a claim?
First, make sure you have all your insurance or takaful documents with you as a preparation. In some minor cases, you may not need them and can settle your claim over the telephone without documentations. However, in other instances, you need to show some proof and that is why it is good to be prepared with the relevant documents such as your policy and receipts. For all general insurance and takaful claim matters, you can call our dedicated Claim Assist line at 1-300-88-1007. For all life insurance and family takaful claim matters, you can call Etiqa Oneline at 1-300-13-8888.

Who can I contact if I need general information on insurance and takaful?
The easiest way to ask about insurance and takaful products or information is by calling Etiqa Oneline at 1-300-13-888. You can also visit our branch nearest to you and we will be more than willing to answer some of your questions about our products and services.
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