PM

OHOR 1:05

2
RM

NG
=
Diagram di atas adalah untuk tujuan ilustrasi
AN
BU L A N A N A S A S
sahaja berdasarkan lelaki, berumur 30 tahun,
dan tidak merokok dengan jumlah perlindungan
014
5 October 2 A) 5
RM200,000 serta bayaran tunai RM1,000 setiap
Ak
43
1
aun
ah
dua tahun. Jumlah nilai tunai unjuran daripada
ijj
(P U
0 Z20u0lh
1M
U n it R
bahagian pelaburan anda adalah berdasarkan
Perlindungan
pelaburan dalam Takafulink Dana Ekuiti dan Takafulink
Dana Simpanan dan tidak dijamin. Senario 1 dan 2 adalah
MES
PRAYER TI
berdasarkan pertumbuhan kasar dengan kadar 9% dan 2% untuk
y ahead.
iritual journe
Takafulink Dana Ekuiti masing-masing, serta 2.42% dan tiada untuk
Plan your sp
Takafulink Dana Simpanan masing-masing.

Cash on hand

Manfaat-manfaat lain

Cash Uni
t

SEAR CH
Locations.
/ Kiblah by
Find Masjid

SURAH

CALENDAR

Provides an
alternative plan
for your spiritual
fulfilment

HAJJ

ur, Malaysia

Kuala Lump

MUAT TURUN
SEKARANG!

Takes care of your

familys well-being

ON

THL

Y CONT

RI

BU

2. Double Takaful Benefit

Potential investment return
Double basic sum covered will be payable in the event of loss
Total projected
of life or TPD during any Hajj or Umrah trip.
cash value (excluding
3. Badal Hajj
total cash payout and
amount
RM3,000
will be payable to the nomineematurity
to perform
Hajj onfrom
C
MO
M
Rof
CUA)
at
year
30: as
behalf
loss
of
life
or
TPD.
This
will
be
payable
N TH in the event
=
LY CO RIBUTIO N
Scenariocustomers.
1 = RM137,098
additionalNTcompassionate
benefit for non-Muslim
Scenario 2 = RM55,629
P4.
rot Compassionate Benefit
A)
U
e cti R M 2 0 0
t (P
on UnRM2,000
Provides
it Accoun for funeral expenses in the event of death.

PruBSN
UmmahLink

5. Enhanced Coverage
Flexibility to further enhance coverage in medical, critical
illness, accidental and other life protection benefits.

Comprehensive
coverage in one plan

Untuk dapatkan rundingan sepenuhnya, sila hubungi:

MUAT TURUN
SEKARANG!

= RM100

ES
PRAYER TIM ual journey ahead.
irit
Plan your sp

Sum covered will be payable in the event of loss of life or TPD.

unt (IUA)
Acco
nit
t U 40
en RM

Semua maklumat adalah betul semasa percetakan. Dicetak 5 Oktober 2014

14
5 October 20
1435
10 Zulhijjah

Inv
est Disability (TPD) Benefit
A) Death & Total Permanent
U1.
m
(C

ON

Prudential BSN Takaful Berhad (740651-H)

Level 8A, Menara Prudential, No.10, Jalan Sultan Ismail, 50250 Kuala Lumpur

Ease
financialtoburden
Protection
(auto-transfer
Tabung Haji*
/
account)
ifsavings
the unfortunate
happens
Total cash payout over
30 years = RM15,000
Double protection
Maturity amount from
during your Hajj/
CUA at year 30 = RM6,600
Umrah trip

Optimise investments via investing in the Takafulink Funds.

TI

Ditaja jamin oleh:

RM1,000 cash payout every two years

prayer

5 PM
ZOHOR 1:0

ABOUT

investment returns

Accumulate your savings through CashBuilder, with cash payout

every two years. You are also entitled for a series of lucky draws.

SI

Nota Penting
Semua maklumat di dalam lembaran ini adalah tidak lengkap. Sila pastikan
bahawa pelan ini akan memenuhi keperluan anda. Jika perlu, sila dapatkan
penjelasan lanjut sebelum menyertai pelan ini. Anda boleh merujuk kepada
risalah PruBSN UmmahLink dan Lampiran Keterangan Produk untuk
maklumat lanjut mengenai produk ini. Prudential BSN Takaful Berhad
(PruBSN) ialah Pengendali Takaful berdaftar di bawah Akta Perkhidmatan
Kewangan Islam 2013 dan dikawalselia oleh Bank Negara Malaysia.

Upcoming

3. The private medical cost has increased

by 14.4% 4

BA

Muat turun PruBSN Insan ke dalam

telefon pintar anda untuk perjalanan yang unggul
dengan maklumat di hujung jari anda!
Boleh didapati dalam Google Play & Apple App Store

investment

r, Malaysia

Kuala Lumpu

Savings & cash

payout

Monthly
contribution
sample
Grow your
Potential

SETTINGS

HAJJ

SURAH

18.3%

High cost of
medication

An investment-linked Takaful plan + Savings + Protection + Technology = LIFE FULFILMENT

SEAR CH
Locations.
/ Kiblah by
Find Masjid

CALENDAR

Business
failure

2. The minimum cost to

perform Hajj is RM9,980 3

Let us help you to plan ahead with PruBSN UmmahLink

* Pilihan ini hanya berkenaan untuk para pelanggan beragama Islam sahaja.

Melabur di dalam pelan patuh-syariah dengan T

ABOU
perlindungan takaful.
Sumbangan anda di dalam Dana Tabarru akan
digunakan untuk saling membantu mereka yang
memerlukan.
Dapat pelepasan cukai seingga RM6,000.
Layak menerima sebarang lebihan yang boleh
diagihkan termasuk keuntungan pelaburan yang
didapati daripada Tabarru (jika ada) pada setiap
hujung tahun kewangan.
Sebagai pelan pengurusan aset anda.
Tinggalkan legasi untuk keluarga anda bagi
membantu mereka meneruskan kehidupan.

15.2%

that cause
financial
problems1

BA

Jumlah nilai tunai unjuran

(kecuali jumlah bayaran
tunai dan amaun
kematangan daripada
CUA) pada tahun ke-30:
Senario 1 = RM137,098
Senario 2 = RM55,629

00

SU

pr

1. Most Malaysians need to

retire later to have enough
savings in their EPF 2

20

Upcoming

Potensi pulangan pelaburan

22.9%
Uncontrolled
Poor financial
credit card
planning
Main factors
usage

PruBSN
UmmahLinkayer

Do you
know?

11.1%

SETTINGS

B
CASH UILDE

RM100
R =

SUMBANGA

IL

NAN CASHBU

RMccou
60 nt

LA

BU

DE

Jumlah bayaran tunai

sepanjang 30 tahun
= RM15,000
Amaun kematangan
daripada CUA pada tahun
ke-30 = RM6,600

PruBSN UmmahLink

Ak
au
n

)
UA
(C

n (IUA)
bura
ela
it P 40
Un RM

Bayaran tunai RM1,000 setiap dua

tahun (pindah automatik ke akaun
Tabung Haji* / simpanan)

Akaun U
nit
RM Tun
60 ai

Contoh Sumbangan Bulanan

An affordable plan

Minimum monthly RM150 (including the contribution of CashBuilder)

contribution

Participate Now

Entry age

19 years to 70 years; Expiry age of the plan is 80 years (Age Next Birthday)

1
Source: AKPK: Malaysians need to change spending habits to face rising cost of living. (Publication Date:6 January 2014)
Source: The Edge Malaysia Online: Most Malaysians need to retire later to have enough savings. (Publication Date: 25 June 2012)
3
Source: Tabung Haji Online: Hajj Q & A (Extraction Date: 18 September 2014)
4
Source: The Star Online: Medical schedule shows hikes of more than 200%. (Publication Date: 6 March 2014)

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tec

NTH

LY CO NTRIBUTIO N

A)
0
PUES
(M
tion R M 2PR0AY
untTI iritual journey ahead.
Unit AccoER
your sp
Plan

ABOUT

Kuala Lu

Prudential BSN Takaful Berhad (740651-H)

Level 8A, Menara Prudential, No.10, Jalan Sultan Ismail, 50250 Kuala Lumpur

Kumpul simpanan anda melalui CashBuilder dengan bayaran tunai

setiap dua tahun. Anda juga layak memasuki siri cabutan bertuah.

Tingkatkan
pelaburan anda

Potensi Pulangan
pelaburan

Mengoptimumkan pelaburan melalui Dana-dana Takafulink.

1. Manfaat Kematian dan Hilang Upaya Kekal & Menyeluruh
(TPD)
Jumlah perlindungan akan dibayar jika berlaku kehilangan nyawa
atau TPD.
2. Manfaat Takaful Berganda
Jumlah perlindungan Aasas berganda akan dibayar jika berlaku
)
ka semasa menunaikan Haji atau Umrah.
un
UA kehilangan nyawa atau TPD

Perlindungan

Jumlah bayaran tunai

Menyediakan pelan
sepanjang
30 tahun
alternative untuk
=penuhi
RM15,000
keperluan
Amaun
kematangan
rohaniah
daripada CUA pada tahun
ke-30 = RM6,600

SEAR CH
Locations.
/ Kiblah by
Find Masjid

CALENDAR

Simpanan dan
bayaran tunai

Bayaran
tunaisemasa
RM1,000 setiap dua
berganda
tahun
(pindah automatik
menunaikan
Haji/ ke akaun
Tabung
Haji*
/ simpanan)
Umrah
anda

ES
PRAYER TIM ual journey ahead.
irit
Plan your sp

SURAH

Tunai di tangan

HAJJ

ur, Malaysia

Kuala Lump

DOWNLOAD
NOW!

(C

n (IUA)
bura
ela
it P 40
Un RM

Underwritten by:

5 PM

14
5 October 20
1435
10 Zulhijjah

ABOUT

3. Kos perubatan swasta telah meningkat

sebanyak 14.4% 4

AN CASHB
3. Badal
Hajj
AN
UI
UL
L
B
RM3,000 dibayar kepada
penama untuk menunaikan Haji bagi
pihak jika berlaku kehilangan nyawa atau TPD. Manfaat ini akan
dibayar sebagai manfaat khairat kematian
tambahan
untuk
Potensi
pulangan pelaburan
pelanggan bukan beragama Islam.

RM100
R =

Important Note
All information given in this flyer is non-exhaustive. Please ensure that this
plan will best serve your needs. If necessary, please seek further clarification
before participating in this plan. You may refer to PruBSN UmmahLink
brochure and Product Disclosure Sheet for further information about this
product. Prudential BSN Takaful Berhad (PruBSN) is a registered Takaful
Operator under the Islamic Financial Services Act 2013 and is regulated by
Bank Negara Malaysia.

prayer

ZOHOR 1:0

18.3%

PruBSN
UmmahLink

Jumlah nilai tunai unjuran

Menjaga kebajikan
keluarga anda

4. Manfaat Khairat Kematian

(kecuali jumlah bayaran
tunai
dan amaun jika
Menyediakan
RM2,000
untuk
perbelanjaan
pengkebumian
M
BA
kematangan daripada
NG
berlaku
kematian. = RM2
A

Perlindungan
komprehensif
dalam 1 pelan

5. Tingkatkan perlindungan
Senario 1 = RM137,098
lagi perlindungan
dalam
Ak Fleksibiliti untuk meningkatkan
Senario
2 =perubatan,
RM55,629
)
A
aupenyakit
PU
kritikal,
dan lain-lain manfaat perlindungan
n U RM
2 00 kemalangan
nit Perlindungan (
kehidupan.

SU

Download PruBSN Insan to your mobile

for a remarkable journey
with information at your fingertips!
Available in Google Play & Apple App Store

Upcoming

2. Kos minimum untuk menunaikan

Haji adalah RM9,980 3

Kos perubatan
tinggi

Perlindungan
Kurangkan beban
kewangan jika
berlaku sesuatu
yang Sumbangan
tidak diingini
Contoh
Bulanan

SETTINGS

sia
mpur, Malay

1. Kebanyakan rakyat Malaysia

harus bersara kemudian untuk
mempunyai simpanan yang
mencukupi di dalam KWSP 2

Satu pelan Takaful berkaitan-pelaburan + Simpanan + Perlindungan + Teknologi = PENUHI IMPIAN HIDUP

HAJJ

SURAH

Gagal dalam
perniagaan

Tidak pandai
menguruskan
kewangan

DE

Invest in a Shariah-compliant plan with

takaful protection.
Your contribution paid in the Tabarru Fund
shall be used to assist one another in need.
Get tax relief up to RM6,000.
Entitled to receive any distributable surplus
inclusive of investment profit (if any) arising
from Tabarru at the end of each financial year.
As part of your asset management plan.
Leave a legacy for your family to help them
carry on with their lives.

CALENDAR

15.2%

menyebabkan
masalah
kewangan1

Adakah
anda
tahu?

22.9%

Penggunaan
Faktor
kad kredit tak
utama yang
terkawal

Kami boleh bantu anda rancang awal dengan PruBSN UmmahLink

SEAR C H
Locations.
/ Kiblah by
Find Masjid

Other benefits

11.1%

00

R
B
CASH UILDE

= RM100

Total projected
cash value (excluding
total cash payout and
maturity amount from
CUA) at year 30:
Scenario 1 = RM137,098
Scenario 2 = RM55,629

014
5 Octo=bReM r 2
435
1
h
ja
ij
10 Zulh

SI

MO

* This option is only applicable to Muslim customers only.

All information is correct at the time of print. Printed on 5 October 2014

Potential investment return

prayer
PruBSN
Upcoming
UmmahLink
5 PM
ZOHOR 1:0
C

Pro

SETTINGS

BU

RI

SUMBANGA

Y CONT

Akaun U
nit
RM Tun
60 ai

THL

ON

Cash Uni
t

ON

BA

The above diagram is for illustration purposes

only based on male, 30 years old, and nonsmoker with sum covered of RM200,000 and
RM1,000 cash payout for every two years. The
total projected cash value from your investment
portion is based on investment in the Takafulink
Dana Ekuiti and Takafulink Dana Simpanan and is
not guaranteed. Scenario 1 and 2 are based on a gross
growth rate of 9% and 2% for Takafulink Dana Ekuiti
respectively, and 2.42% and nil for Takafulink Dana
Simpanan respectively.

TI

Total cash payout over

30 years = RM15,000
Maturity amount from
CUA at year 30 = RM6,600

PruBSN UmmahLink

Inv
est
m

)
UA
(C

unt (IUA)
Acco
nit
t U 40
en RM

RM1,000 cash payout every two years

(auto-transfer to Tabung Haji* /
savings account)

RMccou
60 nt

Monthly contribution sample

N BU

To get a full consultation, please contact:

LAN AN ASA

CUA) pada tahun ke-30:

Pelan mampu milik

Sumbangan
bulanan minimum

RM150 (termasuk sumbangan CashBuilder)

Sertai sekarang

Umur kemasukan

19 tahun ke 70 tahun; Umur tamat tempoh untuk pelan ini ialah

80 tahun (Umur Tarikh Lahir Akan Datang)

DOWNLOAD
NOW!
2

1
Sumber: AKPK: Malaysians need to change spending habits to face rising cost of living. (Tarikh Penerbitan:6 Januari 2014)
Sumber: The Edge Malaysia Online: Most Malaysians need to retire later to have enough savings. (Tarikh Penerbitan: 25 June 2012)
3
Sumber: Tabung Haji Online: Hajj Q & A (Tarikh Ekstrakan: 18 September 2014)
4
Sumber: The Star Online: Medical schedule shows hikes of more than 200%. (Tarikh Penerbitan: 6 Mac 2014)