Some of Takaful Defitions that regularly use and need to know.
The Takaful Concept
Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participant
contributes on the basis of Tabarru’ (donation) into a fund that will be used to support each other in times of need.
Protection Unit Account (PUA)
The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising.
Investment Unit Account (IUA)
The account where the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-forfeiture
The surplus arising from the Tabarru’ fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributed
between the Participant and PruBSN in the stated proportion.
An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to
It is the pool of funds for the purpose of solidarity and cooperation among the participants that is used to help all participants in time of
Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution related
charge, asset management charge and service charge.
Commission and Distribution Related Charge
Comprises of the agent’s commission and distribution related expenses.
Asset Management Charge
Comprises of the investment management expenses for the PUA and IUA.
Comprises of the certificate servicing expenses that is debited from the PUA.
Free Look Period
You are required to study the plan illustration and pay particular attention to the benefits which are guaranteed and benefits which are not
guaranteed. If there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15
calendar days from the delivery date of the certificate documents.
Jika nak tahu lebih lanjut tentang PruBSN Takaful…jangan segan silu untuk hubungi kami Ghazali 019-9982092 atau Hidayah 019-9172092. Konsep yang kami pegang sangat mudah…kami terangkan sepenuhnya, dan selepas itu anda yang tentukan sendiri. Tanpa Paksaan Tanpa Desakan.. kerana apa? kerana kami percaya perlindungan kewangan/takaful perlu dibeli mengikut keperluan dan kemampuan anda tanpa sebarang paksaan dan tanpa sebarang desakan. Kami hormati keputusan anda. Untuk yang tinggal di sekitar Kuantan, Pekan atau Kemaman..boleh juga jumpa kami personally…kita keluar minum2..sembang2…just give us a call 😉