Monday, September 12, 2011

Takafulink mizan and Istiqomah

Takafulink mizan and Istiqomah


Means of investing as well as Shariah-compliant insurance provided by PT Asuransi Takaful Family. This program offers the optimum investment return with options to suit your preferences.

Investment Options

Takaful Fund Istiqomah
• Offers a way to invest with the results of a stable and safe risk
• In this option all your funds will be placed on fixed-income investment instruments.

Takaful Fund Mizan
• Offers a way to invest with optimal results and risks are moderate.
• In this selection of some of the funds will be placed on fixed-income investment instruments and partly in shares.


Benefits Takafulink
• If the Party longevity until the end of the agreement, will receive the entire Investment Fund
• If the Party is destined to die in the agreement, the heirs will receive Insurance Benefits (Compensation Fund) and the Investment Fund

Insurance Benefits
Takafulink provide insurance benefits (the fund) of 800% of Annual Premium or 125% of Premium at a Time. You can extend the benefits of insurance by adding the Personal Accident Takaful insurance program and / or Health Insurance.

Flexibility

• Top Up
You can increase the investment fund through the Top Up facility that can be done at anytime with minimum requirement of Rp. 1.000.000, - (one million rupiah)

• Transfer of Investments
After a period of one year of membership, you can specify the desired re-investment option

• Withdrawal
After a period of one year of membership, you can make withdrawals. Especially for partial withdrawal provisions apply:
o Minimum withdrawal Rp. 1.000.000, - (one million rupiah) and
o Minimum of funds remaining Rp. 1.000.000, - (one million rupiah)
Tabarru
Funds are used to bear one another or mutual help in case of disaster among the participants. The amount of the diikhlaskan tabarru participants as follows:

• 7.5% of Basic Premium Annual maximum for 8 years
• 1.25% of Basic Premium Simultaneously the maximum for 8 years

Basic Premium
To become a participant Takafulink program you can choose how to pay:
• Annual Premiums
Minimum Rp. 1.000.000, - (one million rupiah) and maximum Rp. 8.000.000, - (eight million dollars)
• Premiums Simultaneously
Minimum Rp. 8.000.000, - (eight million rupiah) and maximum Rp. 64,000,000, - (sixty-four million dollars)


Fees

• Fee Policy:
Rp. 50.000, - (Fifty Thousand Rupiah)
• Investment Management Fees:
Maximum of 2.5% per year
• Cost of Top Up:
3% of Top Up Premium
• Withdrawal fee each time:
Maximum Rp. 25.000, - (twenty five thousand rupiah)
• Cost management is charged only in the first year:
32.50% of Annual Basic or Premium
3.75% of Basic Premium Simultaneously

Terms of Participation

• Physically and mentally healthy
• Log Age: 17 to 60 years
• Period of agreement: 16 years to age 17 up to 54 years or period of agreement plus the entry age not exceeding 70 years

Other Important Things
• Participants have the freedom to choose the type of investment
• For the selection of all investment risk is the responsibility of Participants
• The Company does not guarantee the amount of investment performance.

Questions and Answers

Do participants have the facilities leave Premiums (Premium Holiday)?

Yes, you can not make premium payments within a certain period and the insurance is still running all your investment funds sufficient to pay tabarru? and other costs if any.

What about the Zakat Maal
God willing, your investment will be safe and clean, because it has been assessed against your Maal Zakat.

Whether participants could learn the policy first?
Yes, participants have the Right to Free View (Free Look Period). Flexibility for you to learn the contents of the agreement, the rules and conditions for 14 days from the policyholder received. The grace period is provided so you can confirm and agree to the terms set forth in the Policy.

Do Participants will receive a Transaction Report?
Yes, every year the company will send a Transaction Report that contains the mutation of transactions that occur and the number of units owned by Participant.

Where participants can see the development of Unit Price Takafulink?
Participants can see it every Monday and Thursday in the newspaperWeb Link Exchange Bisnis Indonesia, or call Customer Care Takaful.

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