Tuesday, August 1, 2023

SEDIAKAN HIBAH TAKAFUL ATAU TUNAI SEGERA SEHINGGA RM500,000 KEPADA YANG TERSAYANG

HANYA RM100 SEBULAN UNTUK PAMPASAN MINIMA RM350,000 DAN BERGANDA UNTUK KELUARGA ANDA..


Risiko ada dimana-mana. Tidak kira tua ataupun muda. Tidak kira anda sihat ataupun sakit. Ada yang sihat tiba² ditimpa kemalangan yang tak diduga. Ada yang sakit kronik terpaksa hadap beban kewangan yang meruncing. Itulah risiko kehidupan..



Andai anda bekerja, suatu hari nanti ditakdirkan anda kemalangan atau sakit terlantar dan sudah tak mampu lagi mencari nafkah, apa nasib keluarga tersayang?


Jika belum berkahwin, adakah anda mengharap ibu, ayah, kakak, abang untuk sara hidup anda hingga akhir hayat? Jika berkahwin bagaimana nasib isteri dan anak².


Jika meninggal sebelum anda sempat beri kesenangan pada mereka bagaimana? Bersedialah.."Tinggalkan anak dan isteri kamu dengan kesenangan lebih baik dari tinggalkan mereka dalam keadaan meminta-minta". Hadith Riwayat Bukhari


Apa penyelesaian yang ada? Hibah takaful adalah #instantcash untuk mereka sementara menanti proses faraid selesai. Tahukah anda proses faraid perlukan masa yang lama untuk diselesaikan? Jika tiada kerjasama waris bagaimana? Terbaru lebih 90juta harta tidak dituntut dan 90% daripadanya adalah harta orang islam!


Rancang kewangan anda!


Antara faedah pakej pelan HIBAH Warisan Plus:

  • Kematian Semulajadi/sakit RM350,000
  • Lumpuh & Cacat Kekal RM350,000
  • Kematian Kemalangan : RM700,000
  • Kematian Kemalangan Kenderaan Awam : RM1,050,000
  • Kematian Kemalangan Di Luar Negara : RM1,4,000,000
  • Sumbangan PERCUMA sekira mengalami Cacat Kekal Menyeluruh & Penyakit Kritikal
  • Campak, Demam Chikungunya , Penyakit Tangan Kaki & Mulut, Demam Kepialu, Penyakit Anjing Gila : RM5,000
  • Zika Virus, Ebola, MERS-CoV, SARS, Malaria, Creutzfeldt- Jacob Disease, Influenza A- Avian Influenza, AH7N9 & AH5N1, Nipah Virus Enchepalitis, Japanese Enchepalitis : RM10,000.

Jangan tunggu lama untuk berikan #hadiah untuk yang tersayang.

FIZA HASAN
WEALTH PLANNER MUQMEEN GROUP
PRUDENTIAL BSN TAKAFUL






Monday, July 31, 2023

CARUMAN TAKAFUL TAK PERLU BAYAR

 [ CARUMAN TAK PERLU BAYAR??? BIAR BETUL!!!!!]

Ada satu rider benefit dalam takaful, rider ni nampak simple je...dan kekadang tak ramai client yang. nak add on, dan ada juga agent yang tak recommend kepada client...

Bagi saya pulak, kalau saya boleh adjust saya akan adjust untuk letakkan jugak rider tu.





Sebagai contoh:

Katakan la caruman RM 200 ( client opt tak nak ambil rider Contributor Protect ni) sebab kata tak berapa penting...

Tapi, cuba kita. buat sedikit kira2...

Memang la nampak caruman RM 200 sebulan (contoh) tu....boleh bayar sendiri kalau dah kena sakit kritikal. Tapi kena ingat...kalau umur panjang, term pulak sampai umur 70 tahun, diagnose umur 30 tahun...so, 40 tahun caruman percuma...

200 x 12 x 40 = 96,000.
Belum lagi kalau claim medical bill lagi....kalau Medical Benefit RM 100,000 setahun...dan tiada lifetime limit...berapa banyak backup FUND ada tu utk dapatkan rawatan kat hospital swasta?

Dan free kat ini bukan setakat tak perlu bayar, bahagian simpanan pun masih berjalan macam biasa dan client akan dapat nilai tunai...

Dan ini la dinamakan DISCOUNTED money...carum sikit, tapi, kalau dapat ujian, sekurangnya, penyakit tak boleh nak elak, kalau kena tetap kena, ada benda yang kita. boleh control...kita control.

Ok lah, it sahaja. Bantu saya untuk share posting nie, supaya lebih ramai lagi warga FB dapat manfaat.

Kepada sesiapa yang nak tahu details pasal rider nie, boleh tengok kat gambar di bawah, sesiapa yang tak sure coverage dia ada benefit ni ke tidak, boleh contact agent masing2. Mana2 yang takaful agent dia pun MIA (Missing In Action)....boleh click link di bawah ini untuk dapatkan info lanjut.


FIZA HASAN
WEALTH PLANNER MUQMEEN GROUP
PRUDENTIAL BSN TAKAFUL

CLAIM OPERATION FIBROID LULUS

 Kisah client warded disebabkan Fibroid. Client bleeding teruk selama beberapa hari dan pergi klinik dapat la ubat tahan sakit dan ubat stop bleeding. Disebabkan tak ok jugak terus dapat surat refer hospital.


Dia call Fiza tanya "boleh ke kalau nak terus ke Hospital Metro?"

"Boleh kak..sbb medical card dah lebih 2 tahun..😊"

Apa jadi kalau medical card client ni kurang 2 tahun ?

Pihak PruBSN berhak untuk investigate case ni samada ianya existing illness (penyakit sedia ada) atau sebaliknya.

Bukan bermaksud kad bawah 2 tahun tak boleh claim, tapi pihak prubsn perlukan beberapa requirement berkaitan penyakit ni. Nak tau lanjut berkaitan waiting period atau Contestable period ni boleh la contact ejen masing²..

Client dah selamat operation dengan total bill lebih 19k. Kali ke 2 warded 2.9k sebab ada infection pula. Jadi keseluruhannya lebih 22k. Polisi ni baru je 26 bulan dan sumbangan yang dibayar setiap bulan rm236. Alhamdulillah semuanya selamat dan dipermudahkan..








Semoga client Fiza kembali sihat..
Ada ke nak apply medical card murah bulan ni? Meh roger² fiza kita kirakan qoutation.

FIZA HASAN
WEALTH PLANNER MUQMEEN GROUP
PRUDENTIAL BSN TAKAFUL

Sunday, April 2, 2023

STOP TAKAFUL SEBAB AMIK DAH LAMA TAK PERNAH CLAIM, RUGI .

 [ STOP TAKAFUL SEBAB AMIK DAH LAMA TAK PERNAH CLAIM, RUGI ]

Sekiranya anda masih mempunyai mindset atau pemikiran yang macam terhadap takaful, saya nasihatkan untuk anda tambah lagi  pengetahuan atau pemahaman berkenaan konsep, fungsi dan syarat2 yang ada dalam sistem takaful tu sendiri.

.


.

Memang betul, ada products atau pelan takaful yang duit kita tak dapat balik. Maksudnya, kalau tak claim, duit akan dimasukkan dalam tabung tabarru' (derma).


Tapi ada banyak plan yang  menawarkan pelbagai pilihan untuk client ada peluang untuk dapatkan semula sebahagian caruman bersama dengan pulangan.


Gambar kat bawah ni contoh, client saya yang ambil plan perlindungan dengan saya beberapa tahun yang lepas. Lebih dari 10 tahun. Beliau tanya, boleh  tak nak keluarkan?....dan cuba lihat message beliau kepada saya. Dia pun tak sangka duit cepat je dikeluarkan...


Secara kesimpulan mudah, saya ingin menasihati masyarakat di luar sana, bila berbicara pasal takaful atau insurans, pastikan info yang diterima adalah tepat. Bukan main andaian sahaja.


Untuk pengetahuan semua juga, ada plan takaful yang duit boleh dikeluarkan dan manfaat yang ada dalam tu tak terjejas. Sebabnya  adalah, setiap allocation fund telah pun diasingkan.


Sekiranya anda ingin mendapatkan info berkenaan apa2 product takaful boleh terus DM saya.


FIZA HASAN
WEALTH PLANNER MUQMEEN GROUP
PRUDENTIAL BSN TAKAFUL



Friday, March 10, 2023

Privacy Policy for Fieza Prubsn Takaful

Privacy Policy for Fieza Prubsn Takaful

At Fiza Hasan, accessible from www.fizahasan.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Fiza Hasan and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Fiza Hasan. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

  • Provide, operate, and maintain our website
  • Improve, personalize, and expand our website
  • Understand and analyze how you use our website
  • Develop new products, services, features, and functionality
  • Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
  • Send you emails
  • Find and prevent fraud

Log Files

Fiza Hasan follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Fiza Hasan.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Fiza Hasan, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Fiza Hasan has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Fiza Hasan's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options. 

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Fiza Hasan does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

Our Privacy Policy was created with the help of the TermsFeed Privacy Policy Generator.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

SEDIAKAN HIBAH TAKAFUL ATAU TUNAI SEGERA SEHINGGA RM500,000 KEPADA YANG TERSAYANG

HANYA RM100 SEBULAN UNTUK PAMPASAN MINIMA RM350,000 DAN BERGANDA UNTUK KELUARGA ANDA.. Risiko ada dimana-mana. Tidak kira tua ataupun muda. ...