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PRESENTATION 2
PA305 – AKPK’S
INSURANS ETIQA TAKAFUL
MUHAMAD RADHZI BIN A RAHMAN

16BPM12F2002

SHAIFUL NIZAM BIN ABD RAHMAN

16BPM12F2003

MOHD IHSAN HAKIM BIN ROZALI

16BPM12F2004

MOHD IZUAR BIN MAZLAN

16BPM12F2005

AZRUL FAZLI BIN MAT SAID

16BPM12F2009

MUHD ADIEB ADZRAI BIN ISLAKHUDDIN

16BPM12F2010
WHY YOU NEED INSURANCE & WHAT IS INSURANCE?
When you make a financial commitment, such as purchasing a house by
borrowing money from the bank, you have locked part of your future
income. Should there
be an unfortunate natural event (death or disability) or an economic
catastrophe (retrenchment), where your ability to meet these commitments
have been impaired, the possibility of losing your hard-earned asset is real.
There is a financial instrument that you can purchase to protect you from
such an eventuality – insurance. It is a means of giving you a financial
buffer or protection in case something happens to you, your family or your

belongings.
PURPOSE ON INSURANCE
In offering you such protection, insurance is providing
you with a peace of mind. The money you put towards
insurance will enable you to:
􀂄 pay for damages to your personal belongings or to
replace items that had been stolen (provided such items
are insurable);
􀂄 pay for medical bills when you or your family members
are hospitalised;

􀂄 take care of your monthly living expenses, debts and
financial commitments when you are not able to work
due to a serious illness or an accident;
􀂄 provide some financial support to your
family in the event of your disability,
serious illness or death, particularly if
you are the breadwinner of the family.
TYPES OF INSURANCE
Life insurance
A life insurance policy insures you and your life against risks such as premature
death, illness, disability and hospitalisation. It is important to have
if there are people depending on you, whether they are young children or
aged parents. The coverage period is usually more than a year and you have a
choice

of making premium payments monthly, quarterly, semi-annually or annually
throughout the coverage period.
The main life insurance products are:
􀂄 Whole life: This offers lifelong protection but you must
pay premiums throughout your life. The claim amount
(sum insured), including bonuses, will be paid upon
death, total and permanent disability or critical illness.
Due to the long-term nature of the policy, the premium
is higher than for term insurance and it provides cash
value during the term of policy.

􀂄 Term life: This offers protection for a limited period of

time only. The money will be paid only upon death, total
and permanent disability or critical illness during the
term of the policy and according to the amount agreed
upon when buying the policy.
􀂄 Endowment: This combines protection and savings.
This policy provides cash benefits at the end of a specific
period or upon death or total and permanent disability
during the same period. The coverage period is
determined by the buyer.
􀂄 Investment-linked: This combines investment and
protection. Under this policy, you get to choose the type

of investment fund you wish to place your investment
and the amount of life insurance coverage you wish to
have. The amount of premium is flexible.
􀂄 Medical and health: This helps to cover the cost of
medical treatment, particularly in regard to
hospitalisation and surgery.
􀂄 Mortgage reducing term: This is usually a single
premium policy with the coverage amount matching
the scheduled outstanding balance of the loan. In case
you default on the payments due to illness or disability
or upon premature death, the policy will settle the loan

and the bank will release the ownership of the house to
you or your beneficiaries.
INSURANCE PROCESS
1. Standing Instructions (Quotation)
2. New applications & registration
3. Payment Method
4. Insurance Branch
5. Policy Insurance & Feedback
STANDING INSTRUCTIONS QUOTATION

Insurance
Agency

Agen make a
qoutation with full
details for client and
proceed to next level.
NEW APPLICATIONS & REGISTRATION

Client wants make
an insurance and
agent shared about
insurance company
providing product
or services that
with terms and
condition
Insurance
Agency
Payment Method
Auto
Debit
Payment
Method

Credit
Card

Biro
Angkasa
Branch & Feedback Policy
β€’

β€’

Branch
Agent bring the policy to branch make a
payments before proceed to Headquarters.
Feedback Policy
After branch has done made a settement by
client details, then the payments will proceed to
Headquarters and wait for the feedback 2
weeks inforce.

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Insurans etiqa takaful (2)

  • 1. PRESENTATION 2 PA305 – AKPK’S INSURANS ETIQA TAKAFUL MUHAMAD RADHZI BIN A RAHMAN 16BPM12F2002 SHAIFUL NIZAM BIN ABD RAHMAN 16BPM12F2003 MOHD IHSAN HAKIM BIN ROZALI 16BPM12F2004 MOHD IZUAR BIN MAZLAN 16BPM12F2005 AZRUL FAZLI BIN MAT SAID 16BPM12F2009 MUHD ADIEB ADZRAI BIN ISLAKHUDDIN 16BPM12F2010
  • 2. WHY YOU NEED INSURANCE & WHAT IS INSURANCE? When you make a financial commitment, such as purchasing a house by borrowing money from the bank, you have locked part of your future income. Should there be an unfortunate natural event (death or disability) or an economic catastrophe (retrenchment), where your ability to meet these commitments have been impaired, the possibility of losing your hard-earned asset is real. There is a financial instrument that you can purchase to protect you from such an eventuality – insurance. It is a means of giving you a financial buffer or protection in case something happens to you, your family or your belongings.
  • 3. PURPOSE ON INSURANCE In offering you such protection, insurance is providing you with a peace of mind. The money you put towards insurance will enable you to: τ€‚„ pay for damages to your personal belongings or to replace items that had been stolen (provided such items are insurable); τ€‚„ pay for medical bills when you or your family members are hospitalised; τ€‚„ take care of your monthly living expenses, debts and financial commitments when you are not able to work due to a serious illness or an accident; τ€‚„ provide some financial support to your family in the event of your disability, serious illness or death, particularly if you are the breadwinner of the family.
  • 4. TYPES OF INSURANCE Life insurance A life insurance policy insures you and your life against risks such as premature death, illness, disability and hospitalisation. It is important to have if there are people depending on you, whether they are young children or aged parents. The coverage period is usually more than a year and you have a choice of making premium payments monthly, quarterly, semi-annually or annually throughout the coverage period.
  • 5. The main life insurance products are: τ€‚„ Whole life: This offers lifelong protection but you must pay premiums throughout your life. The claim amount (sum insured), including bonuses, will be paid upon death, total and permanent disability or critical illness. Due to the long-term nature of the policy, the premium is higher than for term insurance and it provides cash value during the term of policy. τ€‚„ Term life: This offers protection for a limited period of time only. The money will be paid only upon death, total and permanent disability or critical illness during the term of the policy and according to the amount agreed upon when buying the policy. τ€‚„ Endowment: This combines protection and savings. This policy provides cash benefits at the end of a specific period or upon death or total and permanent disability during the same period. The coverage period is determined by the buyer. τ€‚„ Investment-linked: This combines investment and protection. Under this policy, you get to choose the type of investment fund you wish to place your investment and the amount of life insurance coverage you wish to have. The amount of premium is flexible.
  • 6. τ€‚„ Medical and health: This helps to cover the cost of medical treatment, particularly in regard to hospitalisation and surgery. τ€‚„ Mortgage reducing term: This is usually a single premium policy with the coverage amount matching the scheduled outstanding balance of the loan. In case you default on the payments due to illness or disability or upon premature death, the policy will settle the loan and the bank will release the ownership of the house to you or your beneficiaries.
  • 7. INSURANCE PROCESS 1. Standing Instructions (Quotation) 2. New applications & registration 3. Payment Method 4. Insurance Branch 5. Policy Insurance & Feedback
  • 8. STANDING INSTRUCTIONS QUOTATION Insurance Agency Agen make a qoutation with full details for client and proceed to next level.
  • 9. NEW APPLICATIONS & REGISTRATION Client wants make an insurance and agent shared about insurance company providing product or services that with terms and condition Insurance Agency
  • 11. Branch & Feedback Policy β€’ β€’ Branch Agent bring the policy to branch make a payments before proceed to Headquarters. Feedback Policy After branch has done made a settement by client details, then the payments will proceed to Headquarters and wait for the feedback 2 weeks inforce.