Apa itu Takaful dan Hibah?

Kebelakangan ini, kita selalu mendengar tentang insurans takaful dan juga hibah. Tetapi, berapa ramaikah antara kita yang tahu apa maksud kedua-dua perkara ini? Walaupun terdapatnya lebih banyak syarikat insurans yang wujud untuk memenuhi permintaan orang Islam yang memilih perlindungan insurans bukan konvensional, masih ramai lagi yang tidak tahu apa maksud dan juga perbezaan antara insurans konvensional dan takaful.

Jadi, apakah itu takaful?

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Insurans, Takaful & Umat Islam

Insurans bukanlah satu topik yang suka diperbincangkan oleh orang Malaysia. Lebih-lebih lagi, buat orang Melayu atau orang Islam yang tidak dapat penjelasan penuh tentang kepentingan insurans. Tentunya sekali, dengan wujudnya persepsi negatif bahawa segelintir pihak insurans didakwa menipu pelanggan mereka, ia menjadi satu hujah untuk memburukkan insurans.
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5 Essential Steps to Finding a Great Insurance and Takaful Agent

The best thing about finding a great insurance and takaful agent is knowing that your needs will be taken care of. They immediately understand your preferences. Then, match it with a plan you deserve from the get-go. In reality, finding your dream agent requires several essential steps. Thankfully, we are here to help.

Step 1: Look out for important traits

It’s safe to say that a great insurance and takaful agent prioritise your needs over their interests. Hitting the sales target is the last thing on their mind. They will listen to your requirement and empathise to your needs. They’re helpful in simplifying and explaining the insurance plans in front of you. For them, building a trustworthy relationship with their customer begins with open communication and transparency.

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11 things to know before buying Insurance or Takaful

Although the option to buy insurance online has become popular recently, the plans offered online are very basic and provide little customisation or flexibility to suit your changing personal and financial needs. When you are looking to get insurance or takaful coverage, the first thing that comes to mind will be to get it through a reputable agent. As much as it is convenient to have an agent close to your location or someone you know, you may be missing out on some of the best in the business. If you have been following our series of articles, we have mentioned why working with friends and family may not exactly be the most favoured choice for some while others look at this as an advantage.

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What you need to know about online insurance and takaful plans?

Insurance companies in Malaysia have recently started offering simple, affordable term insurance and takaful plans directly to the customer. These online or direct term plans have become a regulatory requirement making insurance purchases online easily available now as opposed to the traditional channel of an insurance agent.

From our previous articles, we have established that buying an insurance plan traditionally is not a one-step process. There are many red tapes and requirements needed by the insurance providers upon submission. When buying insurance through an agent, you will need to compile many forms and references. After everything has been compiled, there is a waiting period which will be followed by the verification and approval of the insurance company. Contrasting from traditional insurance, buying insurance online can be a fast and easy option to get protection. However, as is the case with purchasing anything online it is important to read through the terms of coverage provided paying specific attention to the exclusions that apply when buying these plans online.

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Three key insurance/takaful plans every Malaysian should buy

Most people are unwary of the importance of insurance/takaful until an unfortunate event takes place. On the other hand, those who already have coverage may not be adequately covered as their disposable income may limit the amount that they can afford. The downfall of having insufficient coverage is that the amount of the protection may not be sufficient to cover the financial needs of your family in the future. On top of that, the amount that is sufficient today may not apply in the next year as financial commitments change over time.

Circumstances of your life may lead you to believe that one need is more important than the other based on the time you purchased an insurance/takaful plan. There is no doubt that our basic needs such as food and our home take priority. However, it is advisable to be equipped with the right type of plan covering the most important aspects of your life as most unfortunate events come without a warning.

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Benefits of signing up with GoInsurans

In 2017, Malaysia’s insurance and takaful coverage penetration stood at 55%. This means that only five out of ten people are covered with a life insurance policy. It is also not surprising that most of the people covered by insurance are based in urban areas such as the Klang Valley. This means there is still a lot of potential for insurance agents to close this gap. The problem is also lack of education and awareness of financial products – life insurance in particular. This is why customers are advised to speak to qualified insurance agents who can first understand their personal financial situation, and then recommend products that will meet these needs in plain and simple language.

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