Ahad, 4 Disember 2011

Booth di TNB Bangi

 Salam,

Saya akan buka booth untuk CIMB Wealth Advisors dan produk-produk yang dikendalikan oleh CWA Berhad.

Maklumat lengkap adalah seperti di bawah:

Tempat  : TNB Bangi
Masa      : 10am -4pm.

Tarikh    : 7 - 8 December 2011
Produk   : CIMB Unit Trust (Award Winning and Best Islamic 

                Equity Fund) dan AIA AFG Takaful (Life Takaful, 
                Unlimited Family Medical Card, Savings Plan)
No Phone: 019-3330342.


Bagi anda yang berada berhampiran kawasan Bangi dan kawasan sekitarnya, boleh lah datang untuk sesi pencerahan terhadap produk-produk di atas.

Jumaat, 18 November 2011

MAAKL Mutual Berhad. Retiring in Style



PEOPLE want to be able to spend their golden years comfortably, but often underestimate the many complex issues related to retirement, which often go beyond the financial.
Tan Beng Wah, chief executive officer of CIMB Wealth Advisors Bhd (CWA), spoke to theSunrecently about what retirement means in today’s world. His first observation is that most people are underprepared for retirement, due to several misconceptions, or ‘disconnects’.
“If you look at the current environment, there are some fundamental disconnects,” he said. “As you progress in life, most people generally improve in terms of their income, whether they are businessmen or employees; by the time you retire, your income is much higher, and therefore, you will be enjoying a different lifestyle.
“You would hope that when you retire, you will be able to enjoy a similar sort of lifestyle, but unfortunately, most people’s retirement savings is from the EPF, which is a proportion of their income.”
Very few people think about having alternate forms of retirement funds, and although more people are beginning to realise they should have additional savings, they tend to have unrealistic expectations about the amount they need to keep aside in order to retire comfortably.
“Let’s say someone thinks they can retire on RM5,000 a month in Kuala Lumpur,” Tan said. “Okay, but if this person is 30, and wants to retire at 40; that’s 10 years from now. Then you ask them how much they are willing to put aside every month for their retirement fund, and it turns out to be RM500.
“RM500 must transform into RM5,000 a month within 10 years. Can you see the problem there?”
While this is an extreme example, it does embody the attitude of many people out there.
Tan also says people rely too much on their EPF savings, not realising that they will probably outlive their savings. “EPF was set up in 1951 when the average lifespan was 55 years, meaning that you retire, and then you would have money to live comfortably for a few more years.
“Today, our lifespan average is 75 years for men, 79 for women. Hence, the savings that you have should be enough to accommodate another 20 to 25 years of living, which is where the reality is. It’s a huge problem.”
The youth mindset
The reason for the disconnect, according to Tan, is easy to pinpoint. “It’s the fault of the parents!” he exclaims. “Even children of today who don’t come from very high income families have never wanted, have never gone hungry. Whatever they want, they will get.”
Because of this, not many young people today understand the value of savings and often do not have any.
“We’ve created a generation of children that are not very independent, and who expect to be taken care of. It’s the fault of the parents, not the children. They were brought up in that environment and therefore they don’t think of their future.”
This sort of mindset often makes it challenging to get young people to understand that they have to save first before they can start spending.
The rising cost of living and currency inflation have also contributed to money losing its value compared to one generation ago.
“Take someone earning a salary of RM3,000. You ask them to save 10%, that’s RM300, it’s a huge sacrifice for them. But if you look at it, what can that RM300 buy today? So they get very discouraged. But nevertheless, the reality is that if you don’t save that RM300, you won’t save anything.”
According to Tan, a good rule of thumb is that people should have at least six months’ salary in savings. Anything beyond that, they can begin to look into investments to grow their wealth.
“There are so many ways excess cash can be invested, in order to grow their wealth for the future,” Tan says. “The issue is, how much risk is a person willing to take. But in general, young people can take more risks.
“And as to how much a person should set aside for investment, it’s entirely what they are willing to put aside.
This is what we call ‘opportunity costs’; if I invest or save this amount, then I’m giving up the opportunity to spend it on something else.”
Important questions
There are several important questions to be asked when people want to determine how much they need to retire.
Firstly, when do they want to retire? For some people, it might be at age 55, while others want to retire at 40, or believe they can work until they are 60.
However, they should also consider the second question: how long do they expect to live after their retirement? They will need to be able to support themselves during those interim years using their retirement fund.
Thirdly, what sort of lifestyle do they want to lead after retirement? Most want to be able to enjoy themselves fully, travelling the world or pursuing their lifelong interests.
But they should also consider other issues, including their health and their social network of friends.
To Tan, the most important aspect of planning for retirement is going beyond the numbers. “This country has a lot of problems when dealing with retirement,” he said.
“Retirement and ageing go beyond money. The qualitative and quantitative have to be considered together. You can’t just talk about the material aspects, and not talk about the social aspects and quality of life.
“I wish that people talked more about these kind of things, and not just ask about the numbers.”
INVEST SEKARANG DENGAN MENGISI FORM DI SINI.

Khamis, 17 November 2011

Hospital awam, Betul ke percuma?

Seringkali kita mendengar, apabila sakit boleh dapatkan rawatan di Hospital kerajaan sebab free. Betul ke free??

Mohon bantuan kos rawatan jantung anak RM31,000



PENDANG 16 Sept – Sepasang suami isteri dari Kampung Rambai Padang, Bukit Raya dekat sini, merayu bantuan orang ramai bagi membiayai kos rawatan susulan anak bongsu mereka berusia dua tahun yang menghidap sakit jantung berlubang dan mempunyai masalah pada injap jantung.

Mohd Rashid Ismail, 42, dan isteri Sharifah Ahmad, 31, ketika ini terpaksa berhutang dengan saudara-mara bagi membiayai kos rawatan anak mereka Adam Haris, di Institut Jantung Negara (IJN).

Mohd Rashid berkata anaknya sudah dibedah pada 5 Mei lalu dengan kos RM31,000 di IJN dan kini menunjukkan tanda-tanda pulih seperti kanak-kanak lain yang sebaya dengannya.

Namun, IJN hanya membiayai kos pembedahan sebanyak RM18,000 dan baki selebihnya perlu dilunaskan sendiri oleh pasangan suami isteri berkenaan.

“Bukan itu sahaja yang perlu saya lunaskan, malah kos rawatan susulan di IJN setiap dua bulan sekali, yang menelan kos RM1,000 juga saya tidak mampu, hingga temujanji untuk rawatan anak saya pada Ogos lalu, terpaksa saya batalkan disebabkan kesempitan hidup,” katanya ketika ditemui di rumahnya pada hari Khamis.

“Pendapatan saya sebagai pekerja kedai besi di kampung sekitar RM30 sehari tidak cukup untuk membiayai kos rawatan itu, memandangkan saya terpaksa menanggung tiga lagi anak yang berusia enam hingga 12 tahun yang masih bersekolah,” katanya.

Sementara itu, Sharifah berkata beliau bimbang tahap kesihatan Adam Haris merosot jika rawatan susulan tidak dilakukan mengikut jadual yang ditetapkan kerana anaknya perlu menjalani rawatan untuk suatu tempoh agak panjang dan tidak diketahui bila proses rawatan itu akan berakhir.

“Dengan pendapatan suami saya yang tidak seberapa, kami terpaksa berhutang dengan saudara-mara bagi membiayai kos rawatan dan kos perjalanan ke sana (IJN).

“Saya berharap dengan bantuan orang ramai, kami boleh menghantar anak ke IJN bagi membolehkannya menikmati kehidupan normal seperti kanak-kanak lain yang sebaya dengannya,” katanya.

Selain itu, anak ketiga pasangan berkenaan, Erna Harnani, 6, pula mengalami masalah mudah letih sejak berusia lima tahun dan perlu menjalani rawatan di klinik berdekatan setiap kali menghadapi masalah tersebut.

Mereka yang bersimpati dengan nasib keluarga ini, boleh menghubungi Sharifah di talian 017-4407439 atau menyalurkan bantuan terus ke akaun Bank Simpanan Nasional (BSN) 021122981662228-7.[BERNAMA]



KLIK SINI UNTUK DAPATKAN PROPOSAL PERCUMA

Jumaat, 11 November 2011

Booth Di CIMB Wisma Genting

 Salam,

Saya akan buka booth untuk CIMB Wealth Advisors dan produk-produk yang dikendalikan oleh CWA Berhad.

Maklumat lengkap adalah seperti di bawah:

Tempat  : CIMB BANK WISMA GENTING, JALAN SULTAN ISMAIL
Masa      : 10am -4pm.

Tarikh    : 15 - 17 November 2011
Produk   : CIMB Unit Trust (Award Winning and Best Islamic 

                Equity Fund) dan AIA AFG Takaful (Life Takaful, 
                Unlimited Family Medical Card, Savings Plan)
No Phone: 019-3330342.


Bagi anda yang berada berhampiran kawasan Bukit Bintang,KLCC dan kawasan sekitarnya, boleh lah datang untuk sesi pencerahan terhadap produk-produk di atas.

Sabtu, 29 Oktober 2011

Senarai Hospital Panel

Berikut adalah senarai hospital-hospital panel AIA di seluruh Malaysia.
Boleh download (right click dan Save Image As) untuk referrence anda.
Sekiranya anda memerlukan sebarang maklumat boleh isi form di bawah:


Html form powered by 123ContactForm.com | 

Jumaat, 28 Oktober 2011

MAAKL Mutual Berhad. No new recession, says Credit Suisse


BY KANG SIEW LI

KUALA LUMPUR (Oct 27, 2011): The world economy is not expected to fall into a new recession, says a senior executive at Credit Suisse AG, but he sees it growing at a slow pace.
"I do not expect we will go through another recession, although the risk of slipping back into a recession is higher now than it was before. The global economy will grow at a much slower pace because of the slow recovery in the US, a very problematic European economy due to the sovereign debt crisis, and an Asian economy that will continue to grow but at a lower rate as it is also affected by the slowdown in the West," Credit Suisse vice-chairman for Asia-Pacific, Jose Isidro N. Camacho, told SunBiz on the sidelines of CIMB Asean Conference 2011.
Giving only a 25-30% chance of the global economy falling into a new recession, Camacho said Asia's equity markets are largely being influenced by the negative sentiments in the global markets.
"Asian stock markets are still being driven by fear and nervousness in Europe and partly in the US. That's why Asian equities today generally are a lot cheaper than they were a while ago in terms of their price earnings," he said.
Still, Camacho reckons that Asian equity markets are "oversold", citing South Korea and Taiwan because they are major exporting countries.
He said the markets' reaction to news is exaggerated, but believes that they would correct themselves when corporates in Asia start reporting their earnings.
"If companies in South Korea, Taiwan and other open economies like Malaysia, Thailand, Hong Kong and Singapore are able to show high sustainable earnings growth, you can see a turnaround in sentiments of Asian markets," he said.
On a recovery in the global economy, Camacho said most importantly, the markets will have to see how Europe's debt problems are solved.
"I think the markets will have to see a credible solution to what's going to happen to Greece. Secondly, what kind of support mechanism they will have for European banks which may be affected by the writedowns of some of the sovereign credits.
"Also, the markets will have to see a credible set of measures to avoid the contagion effect on the bigger economies like Italy and Spain," he added.
On market prospects, Camacho said: "There will be some stocks, bonds or markets that will benefit more than others and if you have the courage to make those investment decisions early, you probably have more upside. But it is difficult to have that courage today because the world is very nervous."
Still, he believes that listed companies that are much more domestic-driven will probably enjoy stronger growth, such as those in consumer products and utilities.
"That's because they are not as dependent on the global economy, but on domestic consumption and for that reason, they are more likely to enjoy sustainable good earnings. Right now, it is the global macro picture that is influencing the stock prices much more than individual companies' results," he said.


INVEST SEKARANG DENGAN MENGISI FORM DI SINI.

Isnin, 24 Oktober 2011

Booth di NSK Supermarket Jalan Kuchai Lama

Salam,

Saya akan buka booth untuk CIMB Wealth Advisors dan produk-produk yang dikendalikan oleh CWA Berhad.

Maklumat lengkap adalah seperti di bawah:

Tempat   : NSK Supermarket, Jalan Kuchai Lama.
Masa      : 10am -10pm.

Tarikh    : 26 - 27 October 2011
Produk   : CIMB Unit Trust (Award Winning and Best Islamic 

                Equity Fund) dan AIA AFG Takaful (Life Takaful, 
                Unlimited Family Medical Card, Savings Plan)
No Phone: 019-3330342.



Bagi anda yang berada berhampiran Bukit Jalil, Jalan Kelang Lama, Jalan Kuchai Lama, 
Kinrara, Sri Petaling, Puchong, Seri Kembangan dan kawasan sekitarnya, boleh lah datang
untuk sesi pencerahan terhadap produk-produk di atas.

Rabu, 12 Oktober 2011

MAAKL Mutual Berhad. 41 Belia Muflis Setiap Hari Gagal Urus Kewangan

Dari Utusan Malaysia 12/10/2011

KUALA LUMPUR 11 Okt. - Seramai 41 belia Malaysia berumur lingkungan 21 hingga 40 tahun dianggarkan menjadi muflis setiap hari akibat kurangnya pengetahuan berkaitan pengurusan kewangan.

Ketua Pegawai Eksekutif Gabungan Persatuan Pengguna Malaysia (FOMCA), Datuk Paul Selva Raj berkata, belia merupakan golongan utama menghadapi masalah kewangan dan menjadi muflis berbanding orang dewasa akibat daripada perbelanjaan yang tidak terkawal.

"Antara punca utama adalah kerana urusan sewa beli seperti kereta, rumah dan penggunaan kad kredit.

"Apabila lebih 30 peratus daripada gaji bulanan digunakan untuk membayar hutang, seseorang itu sudah dikira mempunyai masalah kewangan.

"Ini menunjukkan betapa kurangnya kesedaran golongan muda berkaitan pengurusan kewangan mereka dan jika perkara ini dibiarkan, ia akan menjadi lebih teruk," katanya pada sidang akhbar selepas majlis pelancaran program RINGGIT Pertama Saya di sini, hari ini.

Program RINGGIT Pertama Saya adalah kerjasama antara Persatuan Pendidikan dan Penyelidikan Pengguna Malaysia (ERA Consumer) dan Citibank Bhd. dalam usaha memupuk kesedaran kanak-kanak berhubung pentingnya pengurusan kewangan.

Program ini melibatkan 400 kanak-kanak berusia antara empat hingga enam tahun dari 20 buah tadika di seluruh negara.

Paul menambah, FOMCA menggesa kerajaan untuk memasukkan pendidikan pengurusan kewangan di dalam sistem persekolahan untuk memberi ilmu bersesuaian kepada kanak-kanak.

"Kita harus mendidik generasi akan datang mengenai pentingnya pengurusan kewangan dan usaha ini sebaiknya dimulakan dari peringkat sekolah lagi," ujarnya.

INVEST SEKARANG DENGAN MENGISI FORM DI SINI.

Sabtu, 8 Oktober 2011

MAAKL Mutual Berhad. Bursa goes into rebound mode

From : http://www.btimes.com.my/Current_News/BTIMES/articles/08technically/Article/




SHARE prices on Bursa Malaysia staged follow-through rebounds for the week ended yesterday. The local market remained firm when it moved in sync with Wall Street and the Hong Kong stock market.

The FBM Kuala Lumpur Composite Index (FBM KLCI) posted a week-on-week gain of 12.92 points, or 0.93 per cent, for the week ended yesterday. It stayed marginally above its immediate downside support of 1,400 over the week.

Bursa consolidated in tandem with the technical pullbacks on the Hong Kong and Tokyo stock markets on Monday. The FBM KLCI opened at 1,381.81 before hitting its day low of 1,353.45. It closed at 1,367.52, recording a day-on-day loss of 19.61 points, or 1.41 per cent.

Share prices on Bursa Malaysia consolidated for the second trading day on Tuesday, in tune with the market pullbacks on regional stock markets. The FBM KLCI trended between its day low of 1,356.77 and day high of 1,375.02. It ended at 1,356.77, recording another day-on-day loss of 10.75 points, or 0.79 per cent.

After a mild rebound on the Wall Street on Tuesday, the FBM KLCI rebounded in earnest on Wednesday. The FBM KLCI ended the day at 1,375.67, posting a day-on-day gain of 18.90 points, or 1.39 per cent.

The index continued to rebound further on Thursday. It trended between day low of 1,381.17 to a day high of 1,395.28 before closing at 1,393.69, recording another day-on-day gain of 18.02 points, or 1.31 per cent.

Despite the sharp rebound on Wall Street, the FBM KLCI only managed to climb the day high of 1,4002.58 yesterday before easing marginally to close at 1,400.05, giving a day-on-day gain of 6.36 points, or 0.46 per cent.

The FBM KLCI staged a follow-through technical rebound for the second consecutive week. It rebounded to close at 1,400.05 yesterday, giving a week-on-week gain of 12.92 points, or 0.93 per cent.

The FTSE Bursa Malaysia Small Cap Index gained 81.71 points, or 0.79 per cent, to close at 10,478.45 while the FTSE Bursa Malaysia ACE Index advanced 49.91 points, or 1.39 per cent, to 3,647.86 level yesterday.

The following are the readings of some of the FBM KLCI's technical indicators:

Moving Averages: The FBM KLCI continued to stay below the support of all of its 30-, 50-, 100- and 200-day moving averages. It had since stayed above the support of its 10- and 20-day moving averages.

Momentum Index: Its short-term momentum index continued to trend below its neutral reference line at the market close yesterday.

On Balance Volume: Its short-term OBV trend stayed above the support of its 10-day exponential moving averages.

Relative Strength Index: Its 14-day RSI stood at the 46.35 per cent level yesterday.

Outlook

The FBM KLCI hit its week low of 1,353.45 on Monday, staging a successful re-test of the confines of this column's envisaged support zone (1,349 to 1,383 levels).

Subsequently, the FBM KLCI rebounded to its week high of 1,402.58 yesterday, moving into the confines of this column's envisaged resistance zone (1,390 to 1,425 levels).

A quick review of the performances of the FBM KLCI's 30 components, losers outpaced gainers by 16 to 14. Tenaga, Axiata, Maybank and IOI Corp's combined gains of 21-sen, 19-sen, 18-sen and 17-sen respectively accounted for the bulk of the FBM KLCI's week-on-week gain of 12.92 points, or 0.93 per cent.

Petronas Dagangan Bhd (Petdag) remained as the week's top performing component to-date with a total year-to-date gain of RM4.40, or 37.61 per cent.

The FBM KLCI's weekly chart continued to stay below its intermediate-term uptrend support (See FBM KLCI's weekly chart - A3:A4) during the week. It also continued to stay below the support of its immediate downside support (A1:A2) last week. It staged another successful re-test of its next support (A5:A6).

Chartwise, the FBM KLCI breached its immediate downside support (See FBM KLCI's daily chart - B5:B6) on September 15 and continued to stay below it on September 23. With that, the FBM KLCI had since stayed below its two trendlines (B3:B4 and B5:B6) last week. The FBM KLCI staged a successful re-test of its downside support (B7:B8) on September 26 before rebounding to close at 1,400.05 points yesterday.

The FBM KLCI's weekly and monthly fast MACDs (moving average convergence divergence) continued to stay below their respective slow MACDs yesterday. Its daily fast MACD had since stayed above daily slow MACD.

The FBM KLCI's 14-day RSI stayed at 46.34 per cent level yesterday. Its 14-week and 14-month RSI stayed at 34.38 and 50.54 levels respectively.

Last week, this column commented that the FBM KLCI might stage another attempt in trying to crack its immediate overhead resistance of 1,400. It did. The FBM KLCI closed at 1,400.05 yesterday.

Against the backdrop of rebounds on the Wall Street and regional stock markets during the week, there is an even chance that these markets will remain in their rebound mood. With that, the FBM KLCI is likely to stage yet another follow-through rebound.

Next week, the FBM KLCI's envisaged resistance zone is at the 1,404 to 1,438 levels while its immediate downside support is at the 1,362 to 1,396 levels.

The subject expressed above is based on technical analysis and opinions of the writer. It is not a solicitation to buy or sell.

Read more: Bursa goes into rebound mode http://www.btimes.com.my/Current_News/BTIMES/articles/08technically/Article/#ixzz1aB7yqzY8





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Sabtu, 17 September 2011

Booth di Pesta Konvo UKM ke 39

Bagi yang tinggal berhampiran Bangi atau yang melawati Pesta Konvo UKM boleh berjumpa saya untuk mengetahui lebih lanjut tentang produk2 yang ditawarkan oleh CIMB Wealth Advisors Berhad.

Rabu, 14 September 2011

A-Excel, Menyimpan Sambil Melindungi Diri Anda.

A-Excel

Pelan Perlindungan  dan Simpanan


Impian kewangan  anda  tidak pernah terhenti walaupun  anda melangkah ke fasa hidup  yang berbeza. Menyimpan untuk  impian kewangan anda adalah mudah sekiranya anda merancang kewangan anda  terlebih dahulu dan dengan menyediakan  wang sampingan  tetap untuk  rancangan tersebut. Memperkenalkan  A-Excel,  penyelesaian kewangan lengkap yang menggabungkan perlindungan  takaful dan simpanan dalam satu pelan. A-Excel boleh membantu anda mencapai impian kewangan  anda seperti tanggungan pendidikan anak-anak, modal untuk perniagaan  sendiri ataupun persediaan untuk persaraan.

Apakah  itu A-Excel?

A-Excel adalah pelan  takaful caruman tetap yang  akan matang  di hujung tahun ke 20 sijil dengan bayaran caruman selama 20  tahun.  la menyedíakan perlindungan  takaful diatas kematian ataupun orang dilindungi mengalami hilang upaya menyeluruh dan kekal.

Contoh : Jika anda mengambil perlindungan (sum covered) RM200K, maka setiap 2 tahun anda akan mendapat RM20K. Sehingga tahun ke 20. Atau perlindungan min RM30K anda boleh mendapatkan RM3K setiap 2 tahun secara konsisten. 



FAEDAH
Apakah perlindungan  faedah  yang disediakan?

Pelan  ini menyediakan:

Faedah Kematian
Sekiranya berlaku kematian orang dilindungi sebelum  tarikh matang  sijil dan semasa sijil masih berkuatkuasa, jumlah perlindungan asal dan nilai di dalam akaun peserta ("Nilai Akaun Peserta") akan dibayar. Sekiranya orang dilindungi adalah kanak-kanak,  jumlah perlindungan asal yang  akan dibayar adalah berdasarkan Peratusan Lien Juvenil seperti yang  ditunjukkan seperti dibawah:

Kurang dari 1 tahun 20%
1 tahun 40%
2 tahun 60%
3 tahun 80%
4 tahun atau ke atas 100%


Faedah Hilang Upaya Menyeluruh  dan Kekal (TPD) 

Sekiranya anda hilang upaya menyeluruh dan kekal sebelum umur 60 tahun, Nilai Akaun Peserta  berserta  jumlah  sekaligus yang didahulukan sama ada bersamaan dengan  100% jumlah perlindungan TPD atau 10% dari jumlah perlindungan TPD untuk  tempoh dua(2) tahun pertama, diikuti dengan  baki 80% pada  tahun ketiga, bergantung kepada punca kehilangan upaya  tersebut, akan dibayar.

Faedah Kematangan
Nilai Akaun Peserta akan dibayar  jika sijil masih berkuatkuasa  dan orang yang dilindungi masih hidup  semasa  tarikh matang.

Adakah  saya dibenarkan untuk melampirkan  sebarang  rider ke pelan ini?
Anda boleh memilih untuk meningkatkan  lagi perlindungan  takaful anda dengan menambahkan perlindungan tambahan  yang  terdiri daripada pelbagai pilihan faedah kami dibawah:

1) Faedah  Kehidupan
Kami akan membayar anda Faedah Kehidupan sebanyak  10% darijumlah perlindungan asal pada  setiap penghujung dua (2) tahun sijil sehingga sijil anda matang. Anda boleh memilih untuk menerima Faedah Kehidupan  tersebut ataupun menyimpannya dengan kami untukmenerima keuntungan yang  akan dikongsi di antara Pengendali Takaful dan anda dengan nisbah 20:80.

Secara ringkasnya, setiap 2 tahun anda boleh keluarkan 10% dari jumlah asal. Sekiranya anda membeli jumlah RM30000, maka setiap 2 tahun boleh keluarkan RM3000.

2) Penepian Caruman Penyakit Kritikal
Mengenepikan dan membayar caruman tetap sijil asas dan Faedah Kehidupan  (jika dilampirkan) atas nama peserta  sekiranya orang dilindungi didiagnosiskan menghidap penyakit kritikal yang  tertentu atau menjalani  sebarang pembedahan  yang  dilindungi.

3)Faedah Pencarum  (CB) dan Faedah Pencarum untuk Penyakit Kritikal  (CB-CI)
Sekiranya pencarum meninggal dunia, hilang upaya menyeluruh dan kekal  atau didiagnosiskan menghidap penyakit kritikal  atau menjalani pembedahan untuk  salah  satu dari 35 penyakit kritikal fiika CB-CI dilampirkan) seperti yang  tersenarai di dalam  sijil  takaful, sebelum pencarum mencapai umur 60  tahun ataupun tarikh tamat  rider, yang mana  terdahulu,
semua  caruman akan datang untuk  sijil asas dan Faedah Kehidupan (jika dilampirkan) tidak perlu dibayar sehingga  kanak-kanak  tersebut mencapai umur 25 tahun.

KELAYAKAN
Adakah saya layak memohon A-Excel?
Pelan  ini boleh disertai oleh individu  yang berumur  diantara umur 4 minggu hingga  65 tahun, tertakluk kepada kelulusan pengunderaitan kami.

JUMLAH PERLINDUNGAN
Berapakah  jumlah perlindungan minimum?
RM30,000

CARUMAN
Berapa lamakah  tempoh bayaran caruman  bagi A-Excel?
Caruman perlu dibayar selama 20  tahun sijil ataupun sehingga kematian orang  dilindungi, yang mana  terdahulu.

Jadi apa tunggu lagi? Mulakan menyimpan sekarang disamping melindungi diri anda dengan Simpanan Takaful.

KLIK SINI UNTUK DAPATKAN PROPOSAL PERCUMA