HIBAH UNTUK KELUARGA
Pampasan Nyawa Dalam Takaful ......
Ok hari ni saya nak berkongsi sedikit cara-cara pengiraan sebenar nilai pampasan nyawa dalam takaful. Setiap orang berbeza nilai dia mengikut tahap gaji masing-masing.
Life Insurance Association of Malaysia (LIAM) mengatakan jumlah pampasan yang perlu ada bagi setiap polisi takaful adalah sekurangnya boleh bertahan sehingga 10 tahun gaji.
Jom buat kira-kira berapa jumlah sebenar untuk jadikan pampasan nyawa ni sebagai INCOME PROTECTION.
Contoh Ali sekarang bergaji RM3000 sebulan,
RM3000 x 12 bulan x 10 tahun = RM360,000
Konklusinya, untuk pemegang polisi yg bergaji RM3000 sebulan, anda wajib pastikan pampasan nyawa anda mestilah sekurang-kurangnya RM360,000 iaitu bersamaan dengan nilai 10 tahun gaji anda sekarang. Kalau tidak, polisi anda itu dikategorikan dalam 'under-insured'.
Kepada kawan-kawan yang dah ada polisi, kalau nak saya tolong review balik polisi lama, jgn segan silu pm atau call ya. Inshaallah saya cuba buat yang terbaik untuk melindungi keluarga anda. 🤝
FAHMIE OTHMAN Premier Life Planner AIA Public Takaful 014-5146941
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