Jom Apply Insurans Takaful Anda Secara Mudah:Online Sahaja! Apply SEGERA! Saya Bantu Anda..

Sebelum memulakan bicara, saya perkenalkan diri saya. Nama saya Fairuz Ramli. Saya merupakan Konsultan Profesional AIA Public Takaful. Saya personally dapati pakej dan kelebihan AIA Public Takaful adalah yang terbaik ketika ini. Jika anda buat research dan perbandingan, pasti banyak kelebihan di AIA Public Takaful. Saya tidak menjual insurans, saya konsultan anda. Apa tugas konsultan? Saya analisis risiko keperluan insurans anda dan saya cadangkan pelan yang bersesuaian dengan bajet dan keperluan anda.
Salam perkenalan, dan selamat membaca :)

Contoh Surat Tak Nak Ambil MRTA untuk Beli Rumah

Contoh Surat Tak Nak Ambil MRTA untuk Beli Rumah

Anda tahu bahawa MRTA atau MRTT adalah optional dan pilihan sahaja. Anda boleh jimatkan dan cepatkan tempoh pembayaran rumah anda dengan menggunakan MLTT.

Maklumat lanjut tentang MLTA boleh klik <SINI>




Waiver from purchasing MRTA  (Sample Letter)

[Mortgager’s name]
Mortgage Loan Reference No. xx-xxxx-xxxx

Attention to: The Head of Department
The Mortgage Loan Department or Credit Department
Mortgagor Bank
[Postal Address]


Date of this letter:

To Whom It May Concern,


Reference:: Waiver from purchasing MRTA / MLTA


Thank you for taking the time to meet us / talk to us with regards to our application for home loan from your [Mortgagor Bank].

We do understand from our personal financial planning consultant that it is a general practice for most banks to suggest and subsequently offer the MRTA (Mortgage Reducing Term Assurance) or MLTA (Mortgage Level Term Assurance) to their borrowers in order to ensure that their liabilities are covered in the event of untimely death of these borrowers.

I must say, that it is indeed very proactive and very thoughtful of these financial institutions to have made such prior arrangements with their respective insurance company alliances on behalf of these borrowers. These efforts are indeed very commendable in view of the importance of the roles of insurance.

However, we have also done our part when we undertook the comprehensive Financial Need Analysis (FNA) with our personal financial planning consultant from AIA Co. Ltd. Through this wonderful and insightful analysis, we came to gain a broader perspective and understanding with regards to the various possible options and alternative solutions available to us.

We also came to learned that the benefits gained from using a Whole Life Insurance policy to cover for our liabilities far, far outweighs those gained from merely using the MRTA (Mortgage Reducing Term Assurance) or even the MLTA (Mortgage Level Term Assurance). We would not have made a well-informed decision if not for the insightful & comprehensive personal Financial Need Analysis (FNA).

Hence, we have herein decided that we are to use our newly purchased Whole Life Insurance policy in place of the MRTA (Mortgage Reducing Term Assurance) or even the MLTA (Mortgage Level Term Assurance) to cover for our liability should we decide to take a mortgage loan from your bank. We do also agree to assign our policies to your bank as collateral security for the mortgage loan that we are considering taking.

We are very anxious to develop a relationship with you and we would like to make it clear upfront that we would want to be given a waiver from purchasing the said MRTA or even the MLTA should we decide to take the mortgage loan from your bank.

We look forward to your favorable response at your earliest convenience.

Thank-you very much for your highest degree of attention.

Your faithfully,




………………………………………….

[Mortgager’s name]
NRIC No.:
Mortgage Loan Account No. xx-xxxx-xxxx
Contact:



MLTA rumah jimat dan pendekkan tempoh pinjaman AIA Public Takaful
Jimatkan bayaran bulanan dan Pendekkan Tempoh pinjaman perumahan dengan Teknik MLTA

5 Kelebihan MLTA:


1) Jimatkan berbelas hingga berpuluh ribu ringgit dalam pembayaran keseluruhan loan rumah anda.
2) Dengan jumlah jimat tu, anda boleh pendekkan tempoh bayaran anda.
3) Anda dilindungi daripada kenaikan BLR. Ramai tak tahu, jika BLR naik lebih tinggi (dalam tempoh pinjaman hingga 30 tahun, macam-macam boleh berlaku), MRTA tak cover jumlah kenaikan tu. Waris Anda perlu tanggung sendiri sebelum rumah boleh di transfer hak milik kepada waris anda.
4) Jika berlaku kematian, MRTA hanya selesaikan baki hutang tapi MLTA selesaikan dan beri baki coverage kepada waris. Puluh ribu dan ratus ribu jugalah. Banyak tu. Boleh bantu kehidupan waris selepas kita tiada.
5) MRTA tak cover 36 penyakit kritikal. Hanya kematian yang di cover. Anda tetap perlu bayar bayaran bulanan rumah. Tapi dengan MLTA, anda dilindungi termasuk kematian, 36 penyakit kritikal dan lumpuh cacat kekal akibat penyakit atau kemalangan.


Untuk Quotation Takaful AIA, Sila Whatsapp Info:

Jika Pelan Individu:

Nama Penuh
Tarikh Lahir
Nama Penuh Jawatan Pekerjaan
Taraf Merokok ya/tidak
Taraf Kesihatan Sekarang

Jika Pelan Pasangan/Famili:

Nama Penuh Suami + Tarikh Lahir
Nama Penuh Isteri + Tarikh Lahir
Nama Penuh Jawatan Pekerjaan Suami
Nama Penuh Jawatan Pekerjaan Isteri
Taraf Merokok ya/tidak
Taraf Kesihatan Sekarang



Untuk lebih Tips Terkini, Sila LIKE Page FB Saya https://www.facebook.com/PakarTakafulAIA
 
Jika Anda SERIUS nak mulakan Polisi Takaful AIA,
Semak Dahulu Harga! (Free Quotation)






Copyright © Insurans AIA Public Takaful dan Medical Card Keluarga Murah Designed by azhafizah.com