Konsep takaful
CONCEPTS OF TAKAFUL IN NUTSHELL
The basic fundamentals underlying the Takaful concept are very similar to co-operative and mutual principles, subjected to the extent that the model is one that is accepted under Islamic Law.
Takaful:
Derived from an Arabic word which means joint guarantee, whereby a group of participants agree to jointly guarantee among themselves against a defined loss.
Tabarru’:
Tabarru’ means donation, gift or contribution. Participant in a takaful scheme agrees to relinquish, as a donation, a certain portion of the contribution into a takaful fund to assist other participants faced with difficulties
It embraces the elements of shared responsibility, joint indemnity and mutual protection; and
It is the core of the takaful system that makes the uncertainty element allowable under the takaful contract.
Mudharabah/Wakalah:
The takaful operator (Prudential BSN Takaful Bhd) is the administrator of the fund and manages the fund in trust on behalf of the participants, and the contract between the participants and the operator is governed under the contract of mudharabah (profit-sharing) or wakalah (agency);
Mudharabah gives the right to the contracting parties to share the profit, while liability for losses is borne by the participants; and
The fee can be a fixed amount or based on an agreed ratio of investment profit or surplus of the takaful funds
Changing Needs in Changing Time
As we are all aware, our life is a cycle. It changes every year according to our lifestyle. Hence, we may decide to change our savings, investment, expenses and liabilities subject to our financial income at that point of time.
Sometimes, we need something more than we could think of but our financial is not strong to allow us to have what we really wanted. You may notice this when we look around probably our family members, friends, colleagues and etc. Probably you heard them mentioning overseas vacation in European countries and to the States(USA) few years back but suddenly this year you may heard them saying they would rather have their vacation in Malaysia in view of the financial turmoil recently.
Here in Prudential BSN Takaful Berhad, we are able to cater for the changes in your income and allow your family and you to continue the protection and saving plan through our Takafulink plan.
Prudential BSN’s (PruBSN) Takafulink Plan is a Shariah-compliant investment-linked family Takaful plan that is designed to overcome life’s uncertainties by putting you in control of your life with total flexibility. By adhering to the values you believe in, it also puts you in control of your way of life.
We’ll also help you plan your savings by providing you with a variety of funds to invest in. A proportion of your contributions are allocated to buy units from your choice of the Takafulink funds.
The contributions are allocated according to the certificate year and its corresponding percentages. Choose the Shariah-approved Takafulink funds that suit your investment needs and risk tolerance.
Takafulink Dana Ekuiti
• Aims to maximize returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia.
• For participants with high risk tolerance and medium to long term investment horizon.
Takafulink Dana Bon
• Aims to provide medium to long term accumulation of capital by investing in selected Shariah-approved securities.
• For participants with low to moderate risk horizon and medium to long term investment horizon.
Takafulink Dana Urus
• Is a managed fund that seeks to maximize returns over medium to long term. This is achieved by investing in Shariah-approved shares and securities through Takafulink Dana Ekuiti and Takafulink Dana Bon and in any other such Takafulink funds that may become available in the future.
• For participants with moderate to high risk tolerance and medium to long term investment horizon.
Surplus Sharing
Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru’ Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while the investment profit will be shared between the participants and the company at a pre-agreed ratio.
Below is letter from Bank Negara Malaysia being documentary evidence proof that takaful license was given to Prudential BSN Takaful Bhd to promote and sell Takaful products.
The basic fundamentals underlying the Takaful concept are very similar to co-operative and mutual principles, subjected to the extent that the model is one that is accepted under Islamic Law.
Takaful:
Derived from an Arabic word which means joint guarantee, whereby a group of participants agree to jointly guarantee among themselves against a defined loss.
Tabarru’:
Tabarru’ means donation, gift or contribution. Participant in a takaful scheme agrees to relinquish, as a donation, a certain portion of the contribution into a takaful fund to assist other participants faced with difficulties
It embraces the elements of shared responsibility, joint indemnity and mutual protection; and
It is the core of the takaful system that makes the uncertainty element allowable under the takaful contract.
Mudharabah/Wakalah:
The takaful operator (Prudential BSN Takaful Bhd) is the administrator of the fund and manages the fund in trust on behalf of the participants, and the contract between the participants and the operator is governed under the contract of mudharabah (profit-sharing) or wakalah (agency);
Mudharabah gives the right to the contracting parties to share the profit, while liability for losses is borne by the participants; and
The fee can be a fixed amount or based on an agreed ratio of investment profit or surplus of the takaful funds
Changing Needs in Changing Time
As we are all aware, our life is a cycle. It changes every year according to our lifestyle. Hence, we may decide to change our savings, investment, expenses and liabilities subject to our financial income at that point of time.
Sometimes, we need something more than we could think of but our financial is not strong to allow us to have what we really wanted. You may notice this when we look around probably our family members, friends, colleagues and etc. Probably you heard them mentioning overseas vacation in European countries and to the States(USA) few years back but suddenly this year you may heard them saying they would rather have their vacation in Malaysia in view of the financial turmoil recently.
Here in Prudential BSN Takaful Berhad, we are able to cater for the changes in your income and allow your family and you to continue the protection and saving plan through our Takafulink plan.
Prudential BSN’s (PruBSN) Takafulink Plan is a Shariah-compliant investment-linked family Takaful plan that is designed to overcome life’s uncertainties by putting you in control of your life with total flexibility. By adhering to the values you believe in, it also puts you in control of your way of life.
We’ll also help you plan your savings by providing you with a variety of funds to invest in. A proportion of your contributions are allocated to buy units from your choice of the Takafulink funds.
The contributions are allocated according to the certificate year and its corresponding percentages. Choose the Shariah-approved Takafulink funds that suit your investment needs and risk tolerance.
Takafulink Dana Ekuiti
• Aims to maximize returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia.
• For participants with high risk tolerance and medium to long term investment horizon.
Takafulink Dana Bon
• Aims to provide medium to long term accumulation of capital by investing in selected Shariah-approved securities.
• For participants with low to moderate risk horizon and medium to long term investment horizon.
Takafulink Dana Urus
• Is a managed fund that seeks to maximize returns over medium to long term. This is achieved by investing in Shariah-approved shares and securities through Takafulink Dana Ekuiti and Takafulink Dana Bon and in any other such Takafulink funds that may become available in the future.
• For participants with moderate to high risk tolerance and medium to long term investment horizon.
Surplus Sharing
Every participant is entitled to share the underwriting surplus and investment profit, if any. Underwriting surplus arising from the Tabarru’ Fund will be distributed to the participants by crediting back to their ISA and buying additional units in PUA while the investment profit will be shared between the participants and the company at a pre-agreed ratio.
Below is letter from Bank Negara Malaysia being documentary evidence proof that takaful license was given to Prudential BSN Takaful Bhd to promote and sell Takaful products.
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