tag:blogger.com,1999:blog-2741774056401577872024-03-13T14:13:40.834-07:00Hong Leong tokio Marine TakafulDi Hong Leong tokio Marine Takaful Berhad, kami menawarkan perlindungan takaful "mampu milik" dengan serendah Rm50 sebulan. Dari umur 30 hari sehingga 60 tahun. Selain itu, kami memberi elaun hospital tertinggi di Malaysia iaitu setinggi Rm500 sehari.Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-274177405640157787.post-91957633178800010362009-04-21T16:57:00.000-07:002009-04-21T17:01:42.492-07:00Hong Leong Tokio Marine Takaful launches Gulf oppurtunities plan.<div id="content" class="text_10_bold_blue" align="left"> <span style="font-weight: bold;"><br /></span> <div class="style1" align="center">Shariah-compliant Takaful product linked to Middle East investment opportunities, a <strong>FIRST </strong> in Malaysia </div> </div> <p><strong>Kuala Lumpur, 25 March 2008 - </strong> Hong Leong Tokio Marine Takaful Berhad (HLTM Takaful) today became the FIRST Takaful Operator to launch a fully Shariah-compliant Takaful plan linked to investment opportunities in the Middle East. HLTM Takaful has again utilized the concepts of Wa'ad and Commodity Murabahah for this new product. The plan known as HLTMT Gulf Opportunities Plan (GOP) is its second Capital Protection Investment-Linked (CPIL) plan. </p> <p>GOP, a three-year Shariah-compliant Takaful product provides investment returns benchmarked against the performance of three asset classes namely, Middle Eastern Equities, Commodities and Foreign Currencies where the projected annualized return at maturity could be up to 10%. Understanding the volatility of today's market, the GOP's investment is based on the 'best-of-profile' structure that allows investors to enjoy the highest return allocation from the underlying investment profiles. The structure would self-select the best performing portfolio at the end of the investment period. </p> <p>The Middle East region contains some of the most dynamic and rapidly expanding economies in the world. The region has the world's largest oil reserves and with limited supply and the consistently high demand for the commodity, it should keep prices competitive. Revenue from oil is expected to be invested into domestic infrastructure further boosting the economies of the countries in the region. This is reflected in the earnings of Middle East top companies, which have grown by 40% per annum since 2003. Its market's low correlation to the rest of the world also means that the region is 'insulated' from current market noises and hence provides major benefits and great diversification opportunities into sectors such as banking, telecommunications and real estate. </p> <p>"In short, HLTM Takaful's GOP gives customers the capability to invest in opportunities abroad and to benefit from the rapidly rising economies of Middle East. The opportunities in these markets are immense," said En Ezamshah Ismail, Chief Executive Officer of HLTM Takaful. </p> <p>"The Takaful and Capital protections are additional features of the plan and the 'best-of-profile' investment structure that this plan provides will appeal to risk-averse investors, " he adds. </p> <p>GOP is an affordable investment plan with initial investments starting as low as RM10,000. The GOP also provides Takaful coverage for investors in the event of death for up to 125% of the initial investment amount. The GOP is designed to be a hassle-free Takaful protection where its investors are only required to provide their health declaration without the need to undergo any medical examinations. On top of that, for an investment amount of RM50, 000 and above, GOP offers bonus units allocation of 0.1%. </p> <p>"If the investment is held till maturity, investors could potentially enjoy higher returns than annual fixed deposit rates or General Investment Accounts (GIA)," En Ezamshah concludes. </p> <p>Sanjeev Nanavati, CEO Citibank Berhad said, "We are proud to work with HLTMT again especially after the successful launch of the Capital Protection Investment-Linked (CPIL) plan last year." </p> <p>He adds, "The uniqueness of the investment basket gives investors broad exposure to various asset classes that are closely linked to the Middle East." </p> <p>The plan, managed by HLTM Takaful, with Citibank as the structure provider, is distributed by Hong Leong Bank through its extensive network of branches nationwide.</p>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-65154520589271637032009-04-20T23:02:00.001-07:002009-04-21T17:06:18.014-07:00HLTM Takaful Launches Capital Protection Investment-linked Scheme<span style=";font-family:Verdana;font-size:85%;" > </span><span style="color: rgb(128, 0, 0);font-family:Tahoma;font-size:100%;" ><u> </u></span><span style=";font-family:verdana;font-size:85%;" ><br />KUALA LUMPUR, Sept 11 (Bernama) -- Hong Leong Tokio Marine Takaful Bhd (HLTM Takaful), together with Citibank and Hong Leong Bank, today launched the Capital Protection Investment-Linked Scheme, a three-year syariah-compliant investment using the concept of Murabaha and Wa'd (unilateral undertaking).<br /><br />In a statement here Tuesday, HLTM Takaful said the scheme's returns at maturity would be benchmarked against the performance of best performing investment profile, property-related indices or commodities.<br /><br />The scheme will be managed by HLTM Takaful and distributed by Hong Leong Bank, while Citibank will act as a structure provider.<br /><br />HLTM Takaful chief executive officer, Examshah Ismail, said the scheme would start with an initial investment at a low RM10,000 coupled with competitive upfront fee of three percent.<br /><br />Investment is up to a maximum of RM2 million per investor, he said.<br /><br />Ezamshah said the scheme's clients would not be exposed to the risk of losing their initial contribution (principal) if held till maturity since their principal was protected.<br /><br />"The scheme is suitable for investors who would like to invest in global structure but have otherwise limited access or capabilities or are unsure of which asset allocation to invest in, due to rapidly changing market environment.<br /><br />"The scheme also provides takaful protection of up to 125 percent of single contribution should death occurs during the three-year term," he said.<br /><br />He said the scheme's returns would be benchmarked against property-related indices of the European Public Real Estate Index and the Tokyo Stock Exchange REIT Index whereas the underlying commodities would be oil, copper and zinc.<br /><br />-- BERNAMA</span>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-20178498002399314612009-04-20T22:26:00.001-07:002009-04-21T17:03:37.613-07:00HLTMT lancar skim Simpanan Pendidikan "HLTMT i-Grad"<img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot-5.jpg" alt="" /><br /><img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot-1.jpg" alt="" /><img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot-2.jpg" alt="" /><img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot-3.jpg" alt="" /><img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot-4.jpg" alt="" />KUALA LUMPUR 30 Mac - Hong Leong<br />Tokio Marine Takaful Bhd. (HLTMT) melancarkan<br />Skim HLTMT i-Grad, skim simpanan<br />pendidikan jangka panjang untuk<br />membantu perbelanjaan kewangan<br />anak-anak di samping mendapatkan perlindungan<br />takaful.<br />Di bawah skim tersebut, ibu bapa hanya<br />perlu memperuntukan serendah RM70 sebulan<br />dan memberi pilihan fleksibiliti kepada<br />ibu bapa untuk mengenal pasti tempoh<br />matang apabila anak-anak mereka mencecah<br />umur 19, 21, 23 dan 25 tahun.<br />"Dalam situasi ekonomi global sekarang,<br />keperluan pendidikan adalah satu kemestian<br />dan di HLTMT kami percaya akses<br />kepada pendidikan terjamin melalui produk<br />terbaru kami.<br />"Kami memperuntukan premium yang<br />rendah untuk memastikan ibu bapa tidak<br />terbeban dan mampu menyediakan perlindungan<br />kepada generasi muda mereka;"<br />kata Ketua Pegawai Eksekutifnya, Ab Latiff<br />Abu Bakar.<br />Di samping jumlah premium yang rendah,<br />kelebihan produk ini ialah pelanggan<br />yang berumur lipan hingga 18 tahun boleh<br />mendapat RMIOO setahun pads permulaan<br />persekolahan setiap tahun.<br />Para pelanggan juga berpeluang menikmati<br />ganjaran sebanyak RM100 bagi setiap<br />A yang diperoleh daripada keputusan Ujian<br />Penilaian Sekolah Rendah, Penilaian Menengah<br />Rendah dan Sijil Pelajaran Malaysia<br />dan RM1,500 bagi penuntut yang memperoleh<br />CGPA 3.5 bagi diploma dan<br />RM2,000 bagi ijazah kelas pertama.<br />Produk HLTMT i-Grad boleh didapati di<br />seluruh agen Takaful Keluarga HLTMT atau<br />hubungi talian '018-6638926.Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-31481058421860792212009-04-20T22:26:00.000-07:002009-04-21T18:22:25.668-07:00Peluang Kerjaya Keusahawanan di Hong Leong tokio Marine Takaful<span style="font-size:130%;"><br /></span><div style="text-align: center;"><span style="text-decoration: underline; color: rgb(0, 0, 153);"><span style="font-size:130%;"><br />Penglibatan syarikat Antarabangsa dalam industri Takaful</span><br /></span><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDREFrI-MGLT-jDOOfFet__XiX7eoIvVy_MskwoPG1QFuwRdWjKKwc-lno02Rz2SszzRaKdenWc8d83VUDCLYGgDLUOdZjyS8x8TicGS_CgXBsZkKKTz6Q33SvOEBszThVvyBnvglf8BA/s1600-h/tokio.png"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 363px; height: 196px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDREFrI-MGLT-jDOOfFet__XiX7eoIvVy_MskwoPG1QFuwRdWjKKwc-lno02Rz2SszzRaKdenWc8d83VUDCLYGgDLUOdZjyS8x8TicGS_CgXBsZkKKTz6Q33SvOEBszThVvyBnvglf8BA/s320/tokio.png" alt="" id="BLOGGER_PHOTO_ID_5327024223060645266" border="0" /></a><span style="color: rgb(0, 0, 153);"><span style="font-size:130%;">Populasi Rakyat Malaysia.</span><br /></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLw98aRLvugy3Y8hAcmfCDrSuruL6gxDzefYzifgszExbPwI5k6MUyUrxTwhGMjMN__vGsASO-8-X_uC_6Ko74CjQ2Vj6z69WAFb4Oa6VHg2otCTFEEfaJnWnDxktR_Aa6KwfAFOPdqJc/s1600-h/populasi.png"><img style="cursor: pointer; width: 383px; height: 167px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLw98aRLvugy3Y8hAcmfCDrSuruL6gxDzefYzifgszExbPwI5k6MUyUrxTwhGMjMN__vGsASO-8-X_uC_6Ko74CjQ2Vj6z69WAFb4Oa6VHg2otCTFEEfaJnWnDxktR_Aa6KwfAFOPdqJc/s320/populasi.png" alt="" id="BLOGGER_PHOTO_ID_5327024931831563698" border="0" /></a><br /><span style="font-size:85%;">"kurang dari 6% masyarakat islam di Malaysia yang mempunyai skim perlindungan Takaful (2007)"<br /></span><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvA72NpTSojCnIQuWeR2ysAQC-wTP-k6APilZmQGhjE39jTdH-zVnUthEE88xGUSZu8S2xdooacpJiFLhMM63Dj8EUPnf5i9OiWDgsWJSMWGWgSUtogiUFS1yYiG9iI-INWFJX3Mf3N38/s1600-h/kenapa.png"><img style="cursor: pointer; width: 320px; height: 54px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvA72NpTSojCnIQuWeR2ysAQC-wTP-k6APilZmQGhjE39jTdH-zVnUthEE88xGUSZu8S2xdooacpJiFLhMM63Dj8EUPnf5i9OiWDgsWJSMWGWgSUtogiUFS1yYiG9iI-INWFJX3Mf3N38/s320/kenapa.png" alt="" id="BLOGGER_PHOTO_ID_5327026450953851538" border="0" /></a><span style="text-decoration: underline;"><span style="color: rgb(255, 0, 0);">PILIHAN?</span><br /><span style="color: rgb(0, 0, 153);font-size:130%;" ><br />Kerjaya Berpanjangan</span></span><span style="text-decoration: underline;"><br /></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_p8LObf-5jnRa60q2mwJ7hKJZIwntnYJPXRx66iAmpmxrL2YWic9KbZFw2z3kr81xMLzaWIg4-47B7TN2mpD7vG0vKNsG4mMWAunu-loVDlq8KHyXaXeH3Yosh5oUQpFmMeu_YrM9_Hg/s1600-h/kerjaya.png"><img style="cursor: pointer; width: 320px; height: 236px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_p8LObf-5jnRa60q2mwJ7hKJZIwntnYJPXRx66iAmpmxrL2YWic9KbZFw2z3kr81xMLzaWIg4-47B7TN2mpD7vG0vKNsG4mMWAunu-loVDlq8KHyXaXeH3Yosh5oUQpFmMeu_YrM9_Hg/s320/kerjaya.png" alt="" id="BLOGGER_PHOTO_ID_5327027051464064130" border="0" /></a><br /><span style="color: rgb(0, 0, 153);font-size:180%;" >Penyelesai Masalah.<br /></span><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXrdhjF5c7EHSj3efQQdGfhlwv67tZnGsGw2AAMzV1IQRdam7Ve9EEnpFZjAYF1375V6CX_N295-Cykh4YavAAfRUiWFaWeGU-qonC56KKfqiMwpLDU98iTt-hleJyy5hE4CS3iXAVlgc/s1600-h/masalah1.png"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 320px; height: 165px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXrdhjF5c7EHSj3efQQdGfhlwv67tZnGsGw2AAMzV1IQRdam7Ve9EEnpFZjAYF1375V6CX_N295-Cykh4YavAAfRUiWFaWeGU-qonC56KKfqiMwpLDU98iTt-hleJyy5hE4CS3iXAVlgc/s320/masalah1.png" alt="" id="BLOGGER_PHOTO_ID_5327028832196957810" border="0" /></a><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKa16w3t22c6FL65eG7mm6ZGlSD49mg801Pb_6Jr9YftUiMIrG7TVJqsteWZMMGQBCrIMixV8nB5vJCMTVH2fkotEcBk4RrEm6fsP1L8Vzm5WiSBgwLndAQkQlLG0FlrwbDYS_Ic4pi1A/s1600-h/masalah.jpg"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer; width: 192px; height: 212px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKa16w3t22c6FL65eG7mm6ZGlSD49mg801Pb_6Jr9YftUiMIrG7TVJqsteWZMMGQBCrIMixV8nB5vJCMTVH2fkotEcBk4RrEm6fsP1L8Vzm5WiSBgwLndAQkQlLG0FlrwbDYS_Ic4pi1A/s320/masalah.jpg" alt="" id="BLOGGER_PHOTO_ID_5327029056278852466" border="0" /></a><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><br /><span style="color: rgb(0, 0, 153);font-size:180%;" ><br />Kesedaran Kepada UMUM</span><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMvjYZ6OFCKXv3v2xilAUI2JSPwaU_x8LG2IoOcA70fxSnXrxamf8L2xSBZdsVV_ov7o4IDOEfm4LHkpZz8I1spmeeIA6RI5eGSQ2_FLsci4wmlpDI8F6Iym9a8ldjmvO6ZO8DHCFaMfs/s1600-h/kesedaran.png"><img style="cursor: pointer; width: 320px; height: 191px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMvjYZ6OFCKXv3v2xilAUI2JSPwaU_x8LG2IoOcA70fxSnXrxamf8L2xSBZdsVV_ov7o4IDOEfm4LHkpZz8I1spmeeIA6RI5eGSQ2_FLsci4wmlpDI8F6Iym9a8ldjmvO6ZO8DHCFaMfs/s320/kesedaran.png" alt="" id="BLOGGER_PHOTO_ID_5327291169740336466" border="0" /></a><br /><span style="color: rgb(0, 0, 153);font-size:180%;" ><br /></span></div>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-52506349679178818572009-04-20T22:15:00.000-07:002009-04-21T17:04:16.537-07:00Penubuhan HLTM Takaful<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhev2qUx6qXtIRey0bUm1TJO5Iey69VaQlilPrBOY76RJk7rxTkHPo2y4Y_sFD75MOV9bg471P2KZ_d2XLsHuZP0A1J-ljq6JbchZERrILMVf6NL6uSQcploiJBCAIldN3lftWuQz1YFHU/s1600-h/wisma+HL.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 320px; height: 207px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhev2qUx6qXtIRey0bUm1TJO5Iey69VaQlilPrBOY76RJk7rxTkHPo2y4Y_sFD75MOV9bg471P2KZ_d2XLsHuZP0A1J-ljq6JbchZERrILMVf6NL6uSQcploiJBCAIldN3lftWuQz1YFHU/s320/wisma+HL.jpg" alt="" id="BLOGGER_PHOTO_ID_5327011020775015042" border="0" /></a><br /><div style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style="">•</span><span style="">PENUBUHAN<span style=""> </span><span style=""> </span>-<span style=""> </span><span style="color: rgb(0, 0, 0);"><br />19 JUN 2006</span><br /><br /></span></div><div style="text-align: center; color: rgb(51, 51, 255);"> </div><div style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style="">•</span><span style="">MODAL BERBAYAR<span style=""> </span>-<br /><span style=""> </span><span style="color: rgb(0, 0, 0);">RM 100,000,000.00</span><br /><br /></span></div><div style="text-align: center; color: rgb(51, 51, 255);"> </div><div style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style="">•</span><span style="">JUMLAH WAKIL<span style=""> </span>-<span style=""><br /></span><span style="color: rgb(0, 0, 0);">150 ORANG (TAKAFUL KELUARGA & AM)</span><br /><br /></span></div><div style="text-align: center; color: rgb(51, 51, 255);"> </div><div style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style="">•</span><span style="">PEGANGAN SAHAM </span></div><div style="text-align: center; color: rgb(51, 51, 255);"> </div><ol style="text-align: center;"><li><span style=""><span style=""> </span><span style=""> <span style="color: rgb(0, 0, 0);"></span></span><span style="color: rgb(0, 0, 0);">HONG LEONG BANK BHD (55%)</span></span></li><li><span style="">TOKIO MARINE (35%)</span></li><li><span style="">HONG LEONG ASSURANCE(10%)</span></li></ol><div style="text-align: center; color: rgb(0, 0, 0);"> </div><div style="text-align: center; color: rgb(0, 0, 0);"> </div><div style="text-align: center; color: rgb(51, 51, 255);"> </div><p style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style=""> </span></p><div style="text-align: center; color: rgb(51, 51, 255);"> </div><p style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style="">IBUPEJABAT<span style=""> </span>:<span style="color: rgb(0, 0, 0);"><br /></span></span></p><p style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; text-align: center; color: rgb(51, 51, 255);"><span style=""><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);"> </span></span><span style="color: rgb(0, 0, 0);">LEVEL 5, WISMA HONG LEONG</span></span></p><div style="text-align: center; color: rgb(0, 0, 0);"> </div><p style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; color: rgb(0, 0, 0); text-align: center;"><span style=""><span style=""> </span>18,JALAN PERAK,50450</span></p><div style="text-align: center; color: rgb(0, 0, 0);"> </div><p style="line-height: 150%; margin-top: 0pt; margin-bottom: 0pt; direction: ltr; unicode-bidi: embed; vertical-align: baseline; color: rgb(0, 0, 0); text-align: center;"><span style=""><span style=""> </span>KUALA LUMPUR</span></p>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-56556125575613739142009-04-20T22:02:00.000-07:002009-04-21T17:05:02.874-07:00Hong Leong Islamic Bank opens branch<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyEKxamrdyfEEa63yPJoWruJQqNvN7XVSt7Js4JaqLeU_-bJ-UQYlSX7cQewhKT2rj4HmXOecmDUfgkVG8nzKg2X0TEUulW9FO8icCcVUnPz9H_7QNlHKJethe3CmPDCvYZ4NMHanwBz4/s1600-h/star.png"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer; width: 200px; height: 113px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyEKxamrdyfEEa63yPJoWruJQqNvN7XVSt7Js4JaqLeU_-bJ-UQYlSX7cQewhKT2rj4HmXOecmDUfgkVG8nzKg2X0TEUulW9FO8icCcVUnPz9H_7QNlHKJethe3CmPDCvYZ4NMHanwBz4/s200/star.png" alt="" id="BLOGGER_PHOTO_ID_5327008014297123954" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbT8DZRR1gMNGbTRrWoM8OW1dZAqS0OOWe6L83sJxnSlheZpjzt9dHVXKMcyuOkQQEndQv3QxaWealAOiGw8fgJFOxmNuHWVHEaijFHcockMfCqa0DRQwoqR1PZI_D0KMoLEugWlCwJUg/s1600-h/nik.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 300px; height: 254px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbT8DZRR1gMNGbTRrWoM8OW1dZAqS0OOWe6L83sJxnSlheZpjzt9dHVXKMcyuOkQQEndQv3QxaWealAOiGw8fgJFOxmNuHWVHEaijFHcockMfCqa0DRQwoqR1PZI_D0KMoLEugWlCwJUg/s320/nik.jpg" alt="" id="BLOGGER_PHOTO_ID_5327007814386091522" border="0" /></a><br /><p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="font-weight: bold;font-family:Arial;font-size:14;color:black;" >Thursday September 18, 2008</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="font-weight: bold;font-family:Arial;font-size:14;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="font-weight: bold;font-family:Arial;color:black;" ><br /></span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="font-weight: bold;font-family:Arial;font-size:10;color:black;" >By IAN MCINTYRE</span><span style="font-weight: bold;font-family:Arial;font-size:14;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >KOTA BARU: Hong Leong Bank </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Bhd</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > wholly owned unit Hong Leong Islamic Bank </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Bhd</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > has opened its third branch and the first in the east coast.</span><span style=";font-family:Arial;font-size:12;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Hong Leong Islamic Bank managing director Khalid </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Bhaimia</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > said the branch at </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Jalan</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Kebun</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > Sultan was the first outside the </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Klang</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > Valley and marked the commitment of the bank to serve the Islamic </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >syariah</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > banking market.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >“This branch will support the operations of the branches in Shah </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Alam</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > and Kuala Lumpur,” he said at the branch opening by Kelantan </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Mentri</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Besar</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Datuk</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Nik</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > Abdul Aziz </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Nik</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > Mat.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Also present was group managing director and chief executive Yvonne </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Chia</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >.</span></p><p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><br /><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" ></span></p><p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" ><br /></span><span style=";font-family:Arial;font-size:12;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style=";font-family:Arial;font-size:12;color:black;" ><span style=""> </span> </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style=";font-family:Arial;font-size:12;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style=";font-family:Arial;font-size:12;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style=";font-family:Arial;font-size:12;color:black;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style=";font-family:Arial;font-size:12;color:black;" ><span style=""> </span></span><span style=";font-family:Arial;font-size:12;color:black;" >Datuk</span><span style=";font-family:Arial;font-size:12;color:black;" > </span><span style=";font-family:Arial;font-size:12;color:black;" >Nik</span><span style=";font-family:Arial;font-size:12;color:black;" > Aziz </span><span style=";font-family:Arial;font-size:12;color:black;" >Nik</span><span style=";font-family:Arial;font-size:12;color:black;" > Mat cutting the ribbon at the branch opening. <span style=""> </span>With him is Khalid </span><span style=";font-family:Arial;font-size:12;color:black;" >Bhaimia</span><span style=";font-family:Arial;font-size:12;color:black;" > (middle). </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > </span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Started as a division of Islamic banking of Hong Leong Bank, Hong Leong Islamic Bank became a separate entity on March 28, 2005.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Khalid said the opening of the pioneer branch in the east coast was in tandem with market requirements for Islamic banking services.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >“Besides a comfortable place for customers, we are providing e-banking, capital market, asset management and personal financing services and automated teller machine terminals,” he added.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >Nik</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" > Abdul Aziz said the opening of a bank managed by non-Muslims showed that Islamic banking was gaining popularity as an alternative to conventional banking principles.</span></p> <p style="margin-top: 0pt; margin-bottom: 0pt; text-align: left; direction: ltr; unicode-bidi: embed; vertical-align: baseline;"><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >With a population of some one billion Muslims worldwide, Islamic banking had a huge market base to </span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >capitalise</span><span style="color: rgb(51, 51, 51);font-family:Arial;font-size:12;" >, he added.</span><span style=";font-family:Arial;font-size:12;color:black;" > </span></p>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-15075118438532419952009-04-20T21:55:00.001-07:002009-04-20T22:41:56.447-07:00Tabarru'<span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><br />Tabarru' yang bererti derma, hadiah atau sumbangan, adalah merupakan prnsip utama dalam konsep takaful yang membebaskannya daripada sebarang unsur keraguan (gharar) dan perjudian (maisir)<br /><br />Caj yuran tabarru' akan ditolak setiap bulan daripada akaun pelaburan peserta dan dipindahkan kedalam dana terkumpul yang dikenali sebagai dana risiko. Dana ini akan digunakan untuk membiayai manfaat kematian atau keilatan kekal.<br /><br />Caj tabarru' berubah mengikut jumlah dilindungi, umur, pekerjaan dan tahap kesihatan (jika berkenaan)<br />Kadar Tabarru' mungkin berubah dan HLTM Takaful akan memberi (3) bulan notis kepada peserta sebelum penyemakan semula.</span></span>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-34877643537340512232009-04-20T21:40:00.000-07:002009-04-21T17:05:39.320-07:00HLTM Takaful i-invest<span style="color: rgb(0, 0, 153);">Apa itu Takaful?<br /><br /><span style="color: rgb(0, 0, 0);">Takaful merupakan konsep jaminan bersama yang berlandaskan prinsip-prinsip syariah. Sumbangan yang diterima akan dikupulkan dalam satu dana yang dapat dimanfaatkan bersama jika berlaku sesuatu musibah atau kerugian ke atas peserta. Hong Leong Tokio Marine Takaful Berhad (HLTM Takaful) Bertindak sebagai pengendali takaful dan bertanggungjawab untuk mengurus dan mengendalikan dana ini dengan efisien.<span style="color: rgb(0, 0, 153);"><br /><br />Apa itu pelan HLTMT i-invest?<br /><br /><span style="color: rgb(0, 0, 0);">Ianya merupakan pelan pelaburan keluarga dengan sumbangan tunggal yang menyediakan perlindungan dan pulangan ke atas pelaburan anda.<br /><br /><span style="color: rgb(0, 0, 153);">Bagaimanakah anda sekeluarga mendapat manfaat daripada pelan "HLTMT i-invest"?<br /></span></span></span></span></span><br /><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Bantuan jika ditimpa musibah.</span></span></span></span></span></span><br /><span style="color: rgb(0, 0, 153);"></span><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);"><span style="color: rgb(0, 0, 0);">Apabila berlaku kematian,125% dari jumlah sumbangan tunggal dan jumlah nilai unit dalam akaun pelaburan peserta akan dibayar kepada pewaris/penama anda. Bagi keilatan kekal, jumah yang sama akan dibayar kepada anda.</span></span></span></span></span></span></span></li></ul><div style="text-align: center;"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);"></span></span></span></span></span></span></div><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Mod sumbangan yang fleksibel. </span></span></span></span></span></span><span style="color: rgb(0, 0, 0);">Anda boleh memilih sendiri mod sumbangan sama ada secara bulanan, suku tahunan, setengah tahun atau tahunan.</span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Pada tarikh matang<br /><span style="color: rgb(0, 0, 0);">Anda akan menerima jumlah penuh bagi nilai unit dalam Akau pelaburan peserta (bergantung pada harga nilai pasaran semasa untuk seunit pada tarikh matang)</span><br /></span></span></span></span></span></span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Pengeluaran yang mudah untuk kewangan yang fleksibel <span style="color: rgb(0, 0, 0);">Jumlah minimum yang dibenarkan ialah Rm500 (tertakluk kepada jumlah baki minimum Rm3000 yang perlu dikekalkan)</span><br /></span></span></span></span></span></span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Penambahan pada bila-bila masa. <span style="color: rgb(0, 0, 0);">Penambahan minimum adalah sebanyak RM500</span></span></span></span></span></span></span></li></ul><span style="color: rgb(0, 0, 153);">Dana Pilihan anda.<br /></span><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Dana "HLTMT i-income" <span style="color: rgb(0, 0, 0);">Dana ini bertujuan untuk mengekalkan modal dan menjana pendapatan stabil denan melabur terutamanya dalam sekuriti hutang islam dan selebihnya dalam ekuiti</span></span></span></li></ul><ul><li><span style="color: rgb(51, 102, 255);">Dana "HLTMT i-balanced" <span style="color: rgb(0, 0, 0);">Dana ini memberi tumpuan kepada pertumbuhan modal jangka sederhana dan panjang, di samping menjana pendapatan tetap menerusi elaburan dan portfolio yang dipelbagaikan serta seimbang antara sekuriti hutang islam dan ekuiti.</span></span></li></ul>Kedua-dua dana ini dilaburkan berlandaskan prinsip-prinsip syariah.<br /><h1><span style=";font-family:";font-size:12;" >Kelayakan <o:p></o:p></span></h1> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <table class="MsoNormalTable" style="border: medium none ; border-collapse: collapse;" border="1" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="border: 1pt solid windowtext; padding: 0cm 5.4pt; width: 140.4pt;" valign="top" width="187"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Tempoh Kontrak <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> <td style="border-style: solid solid solid none; padding: 0cm 5.4pt; width: 207pt;color:windowtext windowtext windowtext -moz-use-text-color;" valign="top" width="276"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Sehingga umur 65 tahun pada tarikh lahir akan datang <o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 140.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="187"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Umur Kelayakan<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >(Tarikh lahir akan datang)<o:p></o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 207pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="276"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Minimum<span style=""> </span>:<span style=""> </span>1 tahun <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Maksimum : 60 tahun</span><span style=";font-family:";font-size:12;" ><o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 140.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="187"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Sumbangan Minimum<o:p></o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 207pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="276"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >RM5,000<o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 140.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="187"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Perlindungan Maksimum<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 207pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="276"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Tertakluk kepada Pengunderaitan<o:p></o:p></span></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="text-align: justify;"><b style=""><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></b></p> <p class="MsoNormal" style="text-align: justify;"><b style=""><span style=";font-family:";font-size:12;" >Bagaimanakah proses permohonan untuk menyertai skim dana ini<span style="display: none;"><o:p></o:p></span></span></b></p> <p class="MsoNormal" style="text-align: justify;"><b style=""><span style=";font-family:";font-size:12;" >?</span></b><span style=";font-family:";font-size:12;" ><span style=""> </span><o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" lang="EN-US" >Anda dikehendaki melengkapkan Borang Permohonan yang disediakan<span style="display: none;"><o:p></o:p></span></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" lang="EN-US" >. Walaubagaimanapun, HLTM Takaful mungkin memerlukan maklumat tambahan daripada anda. Ini mungkin melibatkan pemeriksaan kesihatan di mana kosnya akan ditanggung oleh kami.<o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" lang="EN-US" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <table class="MsoNormalTable" style="border: medium none ; border-collapse: collapse; display: none;" border="1" cellpadding="0" cellspacing="0"> <tbody><tr style="display: none;"> <td style="border: 1pt solid windowtext; padding: 0cm 5.4pt; width: 101.4pt;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> <td style="border-style: solid solid solid none; padding: 0cm 5.4pt; width: 101.4pt;color:windowtext windowtext windowtext -moz-use-text-color;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> </tr> <tr style="display: none;"> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> </tr> <tr style="display: none;"> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> </tr> <tr style="display: none;"> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> </tr> <tr style="display: none;"> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 101.4pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="135"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <br /><br /></td> </tr> </tbody></table> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <p class="MsoNormal" style=""><b style=""><span style=";font-family:";font-size:12;" >Caj/Yuran <span style=""> </span><o:p></o:p></span></b></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <table class="MsoNormalTable" style="border: medium none ; border-collapse: collapse;" border="1" cellpadding="0" cellspacing="0"> <tbody><tr style=""> <td style="border: 1pt solid windowtext; padding: 0cm 5.4pt; width: 131.4pt;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Yuran Wakalah atas Sumbangan<o:p></o:p></span></p> </td> <td style="border-style: solid solid solid none; padding: 0cm 5.4pt; width: 216pt;color:windowtext windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >5% <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Caj Permulaan Pentadbiran <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >RM100 untuk sumbangan tunggal kurang daripada RM10,000 (percuma untuk jumlah bersamaan atau melebihi RM10,000)</span><span style=";font-family:";font-size:12;" ><o:p></o:p></span></p> </td> </tr> <tr style="height: 15.25pt;"> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt; height: 15.25pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Caj Penambahan <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt; height: 15.25pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >RM25 setiap penambahan<o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Caj Pengeluaran Separa<o:p></o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >RM50 setiap pengeluaran <o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Caj Penyerahan <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Tahun pertama<span style=""> </span>= 5%, <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Tahun kedua<span style=""> </span>= 4%, <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Tahun ketiga<span style=""> </span>= 3%, <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Tahun keempat = 2%, <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Tahun kelima<span style=""> </span>= 1%, <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Tahun keenam dan seterusnya</span><span style=";font-family:";font-size:12;" > = 0% <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Yuran Wakalah ke atas<o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >‘Dripping’<o:p></o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >10% daripada potongan Tabarru’<o:p></o:p></span></p> </td> </tr> <tr style=""> <td style="border-style: none solid solid; padding: 0cm 5.4pt; width: 131.4pt;color:-moz-use-text-color windowtext windowtext;" valign="top" width="175"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Caj Pengurusan Dana <o:p></o:p></span></p> </td> <td style="border-style: none solid solid none; padding: 0cm 5.4pt; width: 216pt;color:-moz-use-text-color windowtext windowtext -moz-use-text-color;" valign="top" width="288"> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Dana “HLTMT <i style="">i</i>-Income” <span style=""> </span>: 1.00% <o:p></o:p></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Dana “HLTMT <i style="">i</i>-<span style="display: none;"><o:p></o:p></span></span></p> <p class="MsoNormal"><span style=";font-family:";font-size:12;" >Balanced” : 1.25%<o:p></o:p></span></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" ><o:p> </o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" >Nota: Caj dan yuran di atas adalah yang terkini. HLTM Takaful mungkin mengubah <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" ><span style=""> </span>kadar dengan menberi tiga (3) bulan notis kepada peserta sebelum penyemakan <o:p></o:p></span></p> <p class="MsoNormal" style="text-align: justify;"><span style=";font-family:";font-size:12;" ><span style=""> </span>semula.<o:p></o:p></span></p>Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0tag:blogger.com,1999:blog-274177405640157787.post-81805279763132931012009-04-15T18:35:00.000-07:002009-04-21T17:06:42.882-07:00HLTM Takaful i-save<span style="color: rgb(0, 0, 153);">Apa itu Takaful?<br /><br /><span style="color: rgb(0, 0, 0);">Takaful merupakan konsep jaminan bersama yang berlandaskan prinsip-prinsip syariah. Sumbangan yang diterima akan dikupulkan dalam satu dana yang dapat dimanfaatkan bersama jika berlaku sesuatu musibah atau kerugian ke atas peserta. Hong Leong Tokio Marine Takaful Berhad (HLTM Takaful) Bertindak sebagai pengendali takaful dan bertanggungjawab untuk mengurus dan mengendalikan dana ini dengan efisien.<span style="color: rgb(0, 0, 153);"><br /><br />Apa itu pelan HLTMT i-save?<br /><br /><span style="color: rgb(0, 0, 0);">Ianya merupakan pelan pelaburan takaful keluarga dengan sumbangan berkala yang menyediakan perlindungan dan pulangan ke atas pelaburan anda.<br /><br /><span style="color: rgb(0, 0, 153);">Bagaimanakah anda sekeluarga mendapat manfaat daripada pelan "HLTMT i-save"?<br /></span></span></span></span></span><br /><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Bantuan jika ditimpa musibah.</span></span></span></span></span></span><br /><span style="color: rgb(0, 0, 153);"></span><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);"><span style="color: rgb(0, 0, 0);">Apabila berlaku kematian, jumlah perlindungan dan jumlah nilai unit dalam akaun pelaburan peserta akan dibayar kepada pewaris/penama anda. Bagi keilatan kekal, jumah yang sama akan dibayar kepada anda.</span></span></span></span></span></span></span></li></ul><div style="text-align: center;"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);"></span></span></span></span></span></span></div><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Mod sumbangan yang fleksibel. </span></span></span></span></span></span><span style="color: rgb(0, 0, 0);">Anda boleh memilih sendiri mod sumbangan sama ada secara bulanan, suku tahunan, setengah tahun atau tahunan.</span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Pada tarikh matang <br /><span style="color: rgb(0, 0, 0);">Anda akan menerima jumlah penuh bagi nilai unit dalam Akau pelaburan peserta (bergantung pada harga nilai pasaran semasa untuk seunit pada tarikh matang)</span><br /></span></span></span></span></span></span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Pengeluaran yang mudah untuk kewangan yang fleksibel <span style="color: rgb(0, 0, 0);">Jumlah minimum yang dibenarkan ialah Rm500 (tertakluk kepada jumlah baki minimum Rm3000 yang perlu dikekalkan)</span><br /></span></span></span></span></span></span></li></ul><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Penambahan pada bila-bila masa. <span style="color: rgb(0, 0, 0);">Penambahan minimum adalah sebanyak RM500</span></span></span></span></span></span></span></li></ul><span style="color: rgb(0, 0, 153);">Dana Pilihan anda.<br /></span><ul><li><span style="color: rgb(0, 0, 153);"><span style="color: rgb(51, 102, 255);">Dana "HLTMT i-income" <span style="color: rgb(0, 0, 0);">Dana ini bertujuan untuk mengekalkan modal dan menjana pendapatan stabil denan melabur terutamanya dalam sekuriti hutang islam dan selebihnya dalam ekuiti</span></span></span></li></ul><ul><li><span style="color: rgb(51, 102, 255);">Dana "HLTMT i-balanced" <span style="color: rgb(0, 0, 0);">Dana ini memberi tumpuan kepada pertumbuhan modal jangka sederhana dan panjang, di samping menjana pendapatan tetap menerusi elaburan dan portfolio yang dipelbagaikan serta seimbang antara sekuriti hutang islam dan ekuiti.</span></span></li></ul>Kedua-dua dana ini dilaburkan berlandaskan prinsip-prinsip syariah.<span style="color: rgb(0, 0, 153);"><span style="color: rgb(0, 0, 0);"><br /></span></span><br /><img src="file:///C:/Users/HSBC/AppData/Local/Temp/moz-screenshot.jpg" alt="" />Yat FShttp://www.blogger.com/profile/12837341857263049117noreply@blogger.com0