Skim Bijak

Hari ini niat di hati nak pi bank bayar duit rumah je sekali tersangkut plak dengar Skim Bijak ni. Aku minta dia terangkan sekali tentang ASB disebabkan aku tak kerja jadi aku ngok yg mana paling berbaloi dan yang penting mampu aku nak bayar. 

Tapi buat masa ni aku rasa Skim Bijak ni la yang paling affordable sebab simpanan sampai umur 55 tahun baru boleh keluarkan dan kalau nak sambung yang untungnya boleh dapat rebate sebab kita menyimpan dengan dia lagi. kalau tak umur 55 tahun aku dah boleh keluarkan simpanan tu. Salah satu kebaikan nya aku rasa aku tak nampak duit yang masuk tu dan aku boleh menahan nafsu diri dari mengeluarkan duit tu. 

Sekarang ni aku cubalah buat apa-apa investment yang boleh bagi memastikan pada hari tua nanti aku takdelah kena mengemis almaklumlah kita tak tahu nasib kita di kemudian hari nanti.

Buat masa ni aku dah buat investment untuk 

- ASB
- Insuran
- Tabung Haji

Kalau boleh tabung haji tu aku cuba untuk kekalkan walaupun aku tak keja untuk tempoh setahun ni. 

Nila antara ciri-ciri bijak nak tahu berapa banyak dapat bila dah cukup umur kenalah jumpa dengan Sales Person dia =)

Menabunglah untuk hari tua at least 30% of your salary bersusah2 dulu bersenang kemudian =)

Bijak Malaysia
Bijak Malaysia is a product engineered to meet your growing life protection needs, whatever your age and station in life may be.
It is a non-participating limited pay whole life insurance plan that provides coverage up to age 88, with guaranteed triennial cash payment. Premium payment shall cease from the policy anniversary after attaining 55 years old.
Bijak Malaysia is initiated by the National Insurance Association of Malaysia (NIAM).
Features and Benefits
  1. Guaranteed Triennial Cash Payment – 5% of Sum Assured payable every 3 years until age 88
  2. Limited Premium Payment Term up to age 55
  3. Guaranteed Maturity Benefit – 100% of Sum Assured is payable at age 88
  4. Whole Life Protection Coverage up to age 88 at an affordable premium
  5. Extra Protection Coverage during productive working years
  6. Easy Enrolment – No medical underwriting is required
  7. Multiple policies allowed up to a sum assured of RM500,000 combined.
Bijak Malaysia benefit at a glance:
% of Sum Assured
Death Benefits
Total & Permanent Disability
(TPD) Benefits^ (up to age 65)
Natural Causes
Accidental Causes
Natural Causes
Accidental Causes
First 2 policy years
25%^^
400%
25%^^
200%
Policy year 3 up to age 55 years
200%
400%
200%
200%
From age 56 years to 65 years
100%
200%
100%
100%
Thereafter up to age 88 years
100%
100%
nil
nil
Survival Benefit
Triennial Cash Payment5% of Sum Assured paid out every three years up to policy maturity
Maturity Benefit100% of Sum Assured benefit payout at age 88
^Coverage for TPD ceases at age 65.
^^Lien is applicable only for Death and TPD due to natural causes during the initial two (2) years, due to underwriting constraints. Benefit payable is subject to juvenile lien or 25% of the Sum Assured, whichever is lower.
Eligibility
Age at entry basis: Age Last Birthday
Age at Entry
Min
Max
Life Assured
30 days
50 years old
Policy Owner
18 years old
No limit
Type of premium:
- There are four different plans offered with a premium of RM100, RM200, RM300 and RM500
Method of payment:
- Monthly, quarterly, semi-annually, annually
- Payment of premiums can be made viaCredit Card; Direct Debit; Cheque or Cash. Cash is only allowed for other than the monthly mode.
- For monthly payment mode, an initial payment of two (2) months’ premium is required upfront. For other payment mode, one premium installment is required upfront.
For more information, please refer to the product summary available upon request to the Personal Financial Consultant or Relationship Manager at CIMB Bank branches.

 Underwritten by Sun Life Malaysia Assurance Berhad (197499-U) (formerly known as CIMB Aviva Assurance Berhad) 

 Disclaimer: The description of the features of this Product herein is not a contract of insurance and is only a brief summary of the Product for quick and easy reference. The precise terms and conditions are contained in the Policy Document of Sun Life Malaysia Assurance Berhad (formerly known as CMB Aviva Assurance Berhad), the Insurer. The bank accepts no responsibility or liability for this Product and services offered by the Insurer.

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