Perancangan Kewangan & Takaful Keluarga No.1 Malaysia

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Perancangan Kewangan & Takaful Keluarga No.1 Malaysia Perancangan Kewangan untuk Perlindungan Hibah Warisan Takaful, Medikal Kad Terbaik, Insurans Hayat,

15/09/2021

🔊BERITA BAIKKKK ‼️GROUP TAKAFUL UNTUK SMEs🔊

AIA kini menyediakan perkhidmatan perlindungan Medical Card kepada SMEs yg mempunyai staff minimum 5 orang dan juga family members.

Pekerja adalah aset kepada sesebuah company. Mereka berhak untuk diberikan layanan istimewa dan rawatan segera ketika sakit.

Jika anda adalah Owner/HR/Admin Company, boleh PM saya untuk dapatkn Brochure.

Dapatkan perlindungan terbaik dengan harga berpatutan di AIA Corporate Solutions

17/08/2021

Why are vaccinated people still testing positive for Covid but not getting as sick?

It’s All about the type of immunoglobulins produced from vaccination. For those of you who are hardcore scientists, ignore this post- it’s geared toward lay people and meant to be easy to understand. I’m going to do an epic under-simplification of a very complicated subject. Look away!

IgG is a type of immunoglobulin (antibody) that is plentiful in our blood serum. These are the immune proteins that our Covid vaccine is really good at producing.

IgA is a type of immunoglobulin that is plentiful in our mucous membranes, like the respiratory tract (nose and throat). Unfortunately, our injected vaccines are NOT very good at creating a lasting army of this type of antibody.

SARS-Cov-2 (virus) that causes the disease Covid-19 is a respiratory virus- meaning, that it enters the body through the respiratory mucosa. It sets up shop in the area of the back of the throat where the nasal passage meets, called the nasopharynx. While it’s there, it enters those cells and reproduces. Once it reproduces in high enough numbers, it moves it’s way down the respiratory tract and attacks lung cells. From there, it enters the whole body and attacks almost every organ system.

When you are vaccinated, your mucous membranes in the back of your throat are still relatively unprotected, because they lack the IgA antibody response at the mucous membrane level. This is why a vaccinated person is still showing high viral loads in their nasopharynx area when swabbed. However, once the virus tries to move down into the lungs, the very good vaccine induced IgGs that are circulating in a vaccinated person’s blood serum, quickly identify the virus and begin destroying it. The body then says, hold on…where’d these guys come from? The antibodies see the open door at the nasopharynx and then move the troops to destroy. This is the reason that vaccinated people are not getting as sick, even though they are getting technically infected and why vaccinated people are contagious for less time than unvaccinated people are. Our defense is delayed, at the upper respiratory tract, but we eventually have a neutralizing response.

This is why it became important for even vaccinated people to begin wearing masks. We still have several days of the virus successfully replicating in the backs of our throats, which means that when we cough, sing, laugh, talk loudly….we can pass those viruses to other people. This is new with the delta variant because it is better at unlocking those respiratory cells than other variants were. This is what changed. The previous variants were not as good, and it took them longer to unlock cells and replicate so our vaccine induced serum antibodies used to have more time to recognize and respond than they do now.

So what you’re seeing with vaccinated infected people is: sudden onset sore throat, dry cough from nasopharynx irritation, eventually a fever as the virus tries to make it down the respiratory pathway and your immune system activates, but then a marked reduction in symptoms that suggest that the virus has been unsuccessful at invading any other organ systems. This is your reduction in hospitalizations and deaths. The lungs never get so sick that the person requires oxygen. Vaccine IgGs are very effective at staving off a massive infection, but not great at stopping the virus from initially replicating in the throat.

This might suggest that we should focus efforts/funding into more research and development for nasal spray type vaccines (several are in trials) that produce better IgA response for virus neutralization at the mucous membranes which would be better at halting transmissions of the virus between people.

https://stm.sciencemag.org/content/13/577/eabd2223

https://pubmed.ncbi.nlm.nih.gov/34133415/

Ok. Settle 1st dose. Hopefully a better future for us all. InsyaAllah..
26/07/2021

Ok. Settle 1st dose. Hopefully a better future for us all. InsyaAllah..

𝗞𝗲𝗽𝗲𝗻𝘁𝗶𝗻𝗴𝗮𝗻 𝗱𝗮𝗻 𝗸𝗲𝗹𝗲𝗯𝗶𝗵𝗮𝗻 𝗵𝗶𝗯𝗮𝗵 :𝟭. 𝗣𝗿𝗼𝘀𝗲𝘀 𝘁𝘂𝗻𝘁𝘂𝘁𝗮𝗻 𝗹𝗲𝗯𝗶𝗵 𝗰𝗲𝗽𝗮𝘁Biasanya mengambil masa 7 hari-14 hari, paling lama pon m...
17/03/2021

𝗞𝗲𝗽𝗲𝗻𝘁𝗶𝗻𝗴𝗮𝗻 𝗱𝗮𝗻 𝗸𝗲𝗹𝗲𝗯𝗶𝗵𝗮𝗻 𝗵𝗶𝗯𝗮𝗵 :

𝟭. 𝗣𝗿𝗼𝘀𝗲𝘀 𝘁𝘂𝗻𝘁𝘂𝘁𝗮𝗻 𝗹𝗲𝗯𝗶𝗵 𝗰𝗲𝗽𝗮𝘁

Biasanya mengambil masa 7 hari-14 hari, paling lama pon mungkin sebulan saja.

𝟮. 𝗣𝗲𝗻𝗴𝗴𝗮𝗻𝘁𝗶 𝗽𝗲𝗻𝗱𝗮𝗽𝗮𝘁𝗮𝗻

Jika gaji kita RM5,000 sebulan. Dengan polisi hibah takaful RM200,000.00 maka ia dapat bertahan selama 40 bulan / 3 tahun 4 bulan.

𝟯. 𝗣𝗲𝗻𝗲𝗿𝗶𝗺𝗮 𝗺𝘂𝘁𝗹𝗮𝗸

Penerima hibah takaful ini adalah mutlak miliknya.

𝟰. 𝗦𝗲𝗹𝗲𝘀𝗮𝗶𝗸𝗮𝗻 𝗵𝘂𝘁𝗮𝗻𝗴

Keutamaan membayar hutang adalah tanggungjawab diri sendiri, waris tidak wajib untuk melunaskan si mati.

𝟱. 𝗧𝗶𝗮𝗱𝗮 𝗸𝗼𝘀 𝗴𝘂𝗮𝗺𝗮𝗻

Ini antara faktor penting kenapa hibah takaful penting, untuk pengetahuan jika anda mengambil polisi hibah takaful bernilai RM200,000.00 maka penerima akan menerima RM200,000 juga. Tiada bayaran proses atau kurang.

𝟲. 𝗔𝗸𝗮𝘂𝗻 𝘁𝗶𝗱𝗮𝗸 𝗱𝗶𝗯𝗲𝗸𝘂𝗸𝗮𝗻

Ya, perkara ini amat merisaukan sesiapa sahaja. Mungkin sebelum kematian boleh jer keluarkan duit dengan izin suami. Tiba-tiba kena block memang jadi masalah besar. Lebih kritikal jika isteri surirumah sepenuh masa. Mana nak cari duit?

Kawan kawan,
Manfaat hibah memberi perlindungan untuk semua jenis kematian dan hilang upaya kekal.

Selain hibah kematian biasa, ada hibah yang juga memberi kenaikan manfaat sehingga 4x ganda dalam kes meninggal:

▪2× ganda akibat kemalangan.
▪3× ganda akibat kematian dalam kenderaan awam, ruang lif atau dalam kebakaran di bangunan awam.
▪4× ganda ketika berada di luar negara

Jom segera rancang hibah takaful buat diri dan keluarga tersayang.

𝐀𝐏𝐀 𝐏𝐄𝐑𝐀𝐒𝐀𝐀𝐍 𝐈𝐒𝐓𝐄𝐑𝐈 & 𝐀𝐍𝐀𝐊-𝐀𝐍𝐀𝐊 𝐀𝐏𝐀𝐁𝐈𝐋𝐀 𝐀𝐍𝐃𝐀 𝐒𝐎𝐑𝐎𝐊 𝐑𝐀𝐇𝐒𝐈𝐀 𝐃𝐀𝐑𝐈 𝐌𝐄𝐑𝐄𝐊𝐀??Mereka patut tahu anda sudah ambil pakej Hibah at...
23/02/2021

𝐀𝐏𝐀 𝐏𝐄𝐑𝐀𝐒𝐀𝐀𝐍 𝐈𝐒𝐓𝐄𝐑𝐈 & 𝐀𝐍𝐀𝐊-𝐀𝐍𝐀𝐊 𝐀𝐏𝐀𝐁𝐈𝐋𝐀 𝐀𝐍𝐃𝐀 𝐒𝐎𝐑𝐎𝐊 𝐑𝐀𝐇𝐒𝐈𝐀 𝐃𝐀𝐑𝐈 𝐌𝐄𝐑𝐄𝐊𝐀??


Mereka patut tahu anda sudah ambil pakej Hibah atau masih bertangguh


Kalau apa-apa berlaku pada anda lepas ini, bagaimana kewangan isteri dan anak-anak?


Adakah anda tahu ada pakej income protection bernilai RM 1,000,000. Tapi kos bulanan hanya RM 150?

Hadis Riwayat Al-Bukhari:
“𝑇𝑖𝑛𝑔𝑔𝑎𝑙𝑘𝑎𝑛 𝑎𝑛𝑎𝑘 𝑑𝑎𝑛 𝑖𝑠𝑡𝑒𝑟𝑖 𝑘𝑎𝑚𝑢 𝑑𝑒𝑛𝑔𝑎𝑛 𝑘𝑒𝑠𝑒𝑛𝑎𝑛𝑔𝑎𝑛 𝑎𝑑𝑎𝑙𝑎ℎ 𝑙𝑒𝑏𝑖ℎ 𝑏𝑎𝑖𝑘 𝑑𝑎𝑟𝑖𝑝𝑎𝑑𝑎 𝑡𝑖𝑛𝑔𝑔𝑎𝑙𝑘𝑎𝑛 𝑚𝑒𝑟𝑒𝑘𝑎 𝑑𝑎𝑙𝑎𝑚 𝑘𝑒𝑎𝑑𝑎𝑎𝑛 𝑚𝑒𝑚𝑖𝑛𝑡𝑎-𝑚𝑖𝑛𝑡𝑎”

Boleh Klik link di bawah untuk mendapatkan quotation plan hibah ini secara PERCUMA

👇👇👇
https://faizHibahtakaful.wasap.my
https://faizHibahtakaful.wasap.my
https://faizHibahtakaful.wasap.my

𝐅𝐚𝐢𝐳 𝐇𝐚𝐦𝐳𝐚𝐡
6019-224 9677
Perunding Hibah Takaful Anda

“𝐊𝐄𝐍𝐀𝐏𝐀 𝐌𝐀𝐒𝐀 𝐒𝐀𝐘𝐀 𝐀𝐌𝐁𝐈𝐋 𝐓𝐀𝐊𝐀𝐅𝐔𝐋, 𝐒𝐀𝐘𝐀 𝐉𝐀𝐑𝐀𝐍𝐆 𝐒𝐀𝐊𝐈𝐓?”Ada yang tanya, kenapa masa dia ambil Takaful dia tak sakit, tak acc...
23/02/2021

“𝐊𝐄𝐍𝐀𝐏𝐀 𝐌𝐀𝐒𝐀 𝐒𝐀𝐘𝐀 𝐀𝐌𝐁𝐈𝐋 𝐓𝐀𝐊𝐀𝐅𝐔𝐋, 𝐒𝐀𝐘𝐀 𝐉𝐀𝐑𝐀𝐍𝐆 𝐒𝐀𝐊𝐈𝐓?”

Ada yang tanya, kenapa masa dia ambil Takaful dia tak sakit, tak accident apa pun. Dia rasa rugi bayar bulan-bulan untuk Takaful.
Tapi bila dah surrender, ataupun tak bayar sampai ‘lapsed’, baru datang sakit, accident, bencana yang bukan-bukan.

Saya tak nak ulas bab bersyukur dengan nikmat kesihatan yang dia dustakan. Saya cuma nak ulas, mungkin pahala sedekah Tabarru’ Takaful yang menjadikan asbab Allah bagi kesihatan yang baik.

Indahnya konsep Takaful ni, setiap kali kita buat caruman, secara tidak langsung kita dah bantu orang yang ditimpa musibah. Atau dengan kata lain, kita secara automatik dah amalkan sedekah setiap bulan.

Sedia membantu,
Faiz Hamzah

"𝗟𝗲𝗽𝗮𝘀 𝘀𝗰𝗮𝗻 𝗷𝗮𝗻𝘁𝘂𝗻𝗴 𝗱𝗼𝗰𝘁𝗼𝗿 𝗶𝗻𝗳𝗼𝗿𝗺 𝗨𝗺𝗮𝗿 𝗱𝗶𝘀𝗮𝗵𝗸𝗮𝗻 𝗺𝗲𝗻𝗴𝗵𝗶𝗱𝗮𝗽 𝗞𝗮𝘄𝗮𝘀𝗮𝗸𝗶 𝗗𝗶𝘀𝗲𝗮𝘀𝗲 𝗱𝗮𝗻 𝗽𝗲𝗿𝗹𝘂 𝗿𝗮𝘄𝗮𝘁𝗮𝗻 𝘀𝗲𝗴𝗲𝗿𝗮"Selain daripada moto...
23/02/2021

"𝗟𝗲𝗽𝗮𝘀 𝘀𝗰𝗮𝗻 𝗷𝗮𝗻𝘁𝘂𝗻𝗴 𝗱𝗼𝗰𝘁𝗼𝗿 𝗶𝗻𝗳𝗼𝗿𝗺 𝗨𝗺𝗮𝗿 𝗱𝗶𝘀𝗮𝗵𝗸𝗮𝗻 𝗺𝗲𝗻𝗴𝗵𝗶𝗱𝗮𝗽 𝗞𝗮𝘄𝗮𝘀𝗮𝗸𝗶 𝗗𝗶𝘀𝗲𝗮𝘀𝗲 𝗱𝗮𝗻 𝗽𝗲𝗿𝗹𝘂 𝗿𝗮𝘄𝗮𝘁𝗮𝗻 𝘀𝗲𝗴𝗲𝗿𝗮"

Selain daripada motosikal, Kawasaki juga merupakan penyakit yang mudah untuk dijangkiti oleh kanak-kanak.

Baru-baru ini tular kerana kisah seorang anak kecil daripada Malaysia dijangkiti dengan penyakit ini.
Tak perlu tulis panjang, jom baca 2 minit !

IMPORTANT - Tolong baca side note/pengajaran di akhir cerita ini.

P/s:Takaful basic kanak-kanak bermula RM 60-100/sebulan je

https://faizHibahtakaful.wasap.my
https://faizHibahtakaful.wasap.my

Sejak akhir-akhir ini, pakar perubatan di Amerika Syarikat dan Eropah memberi amaran mengenai Kawasaki Disease yang boleh berleluasa terutamanya dalam

23/02/2021

"𝐀𝐌𝐁𝐈𝐋 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐒 𝐓𝐔 𝐇𝐀𝐑𝐀𝐌??"

Saya percaya ramai lagi yang diluar sana masih lagi keliru dengan konsep insurans dan takaful. Sangat penting untuk kita mengetahui apa perbezaannya kerana menjadi keperluan dan kewajipan untuk kita memilikinya (contoh: insurans kereta/moto , insurans rumah, insurans nyawa).

Dalam erti kata mudah, insurans ialah pelan perlindungan konvensional yang akan menerima bayaran daripada anda dalam bentuk premium dan sekiranya anda mengalami sebarang kerugian atau kerosakan, syarikat insurans akan membayar pampasan kepada anda.

Manakala takaful, iaitu pelan perlindungan yang berlandaskan syariah, peserta mencarum sejumlah wang ke dalam dana takaful (tabarru') yang mempersetujui untuk saling membantu antara pencarum takaful yang lain. Dalam erti kata mudah, saling tolong menolong.

"𝐸ℎ, 𝑎𝑘𝑢 𝑟𝑒𝑛𝑒𝑤 𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑠 𝑟𝑜𝑎𝑑𝑡𝑎𝑥 𝑚𝑜𝑡𝑜 𝑠𝑒𝑏𝑎𝑏 𝑚𝑢𝑟𝑎ℎ 𝑠𝑖𝑘𝑖𝑡 𝑑𝑎𝑟𝑖𝑝𝑎𝑑𝑎 𝑡𝑎𝑘𝑎𝑓𝑢𝑙".

Nasihat daripada saya, kalau sebelum ini kita jahil atau tidak ada 'option' lain kepada insuran ini tidak mengapa. Tetapi sekarang, ilmu tentang takaful dan produk takaful banyak dijual diluar sana, tidak mungkin kita masih jahil. Tepuk dada tanya iman.

Saya harap dengan penerangan yang jelas dalam video yang dipetik daripada Youtube ini dapat saya sampaikan sedikit dakwah tentang kepentingan takaful buat masyarakat. Jom kita pakat share ilmu ni dengan keluarga, kawan-kawan dan masyarakat.

Ikhlas daripada saya,
Faiz Hamzah
Perunding Takaful Anda

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