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(@muhammadyazed)
Trusted Member Agent
Joined: 2 years ago
Posts: 93
09/08/2017 4:20 pm  

Hari ni saya review plan seorang client Takaful atas permintaannya kerana beliau rasa tertipu dengan plan yang dimilikinya.

Saya beri situasi :

Nama Plan: Education plan

Peserta : Ibu, 27 tahun

Orang yang dilindungi : Anak, 5 tahun

Tempoh sertai : Baru 3 tahun

By default, sekiranya berlaku apa-apa kepada anak, pampasan akan diberikan kepada ibu (peserta)

Kalau berlaku sesuatu kepada ibu, sijil jadi free dan perlindungan tetap berjalan sehingga umur matang sijil.

Tapi jika kedua-dua tiada serentak, siapakah yang akan terima manfaat?

Jawapannya pihak ketiga sama ada ayah, atau datuk, atau sesiapa yang ibu (peserta) nak letak/berikan. Juga boleh beri kepada organisasi seperti rumah anak yatim, ataupun waqaf Malaysia.

Tetapi dalam kes saya harini, dalam sijil tersebut, penerima manfaat (Hibah) adalah AGENT ITU SENDIRI.

Mentang-mentang client tu ibu tunggal... Dan tak beritahu apa-apa kepada client tu, suka hati je agent tu letak nama dia tanpa kebenaran client.

Sudahnya saya di "bambu" dengan client tadi.

Tahan telinga je lah.

Tapi take positive dan advice dia elok-elok.

#nasiblah

#reviewsijil

Muhammad
VMC Membership Takaful Advisor
http://vmcvip.wasap.my/


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 Rumi
(@rumi)
Active Member
Joined: 2 years ago
Posts: 6
13/08/2017 8:05 pm  

So bro. In this case how? Boleh tukar the name?  See this is why a lot of people don't trust insurance agents... just saying.


loqlaq liked
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(@muhammadyazed)
Trusted Member Agent
Joined: 2 years ago
Posts: 93
13/08/2017 8:25 pm  

Two birds kill with a stone.

1. Agent will get report. Either terminate or suspend. Normally terminate. Under BNM watch list.

2. Can change name to whom certificate owner wants as nominee or Hibah recipient.

I don't mind public say as you say because that's happen.

Professional agent will advise and educate clients.

That what I do.

Cheers 😊

Muhammad
VMC Membership Takaful Advisor
http://vmcvip.wasap.my/


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(@elin_ibanding)
Member Admin
Joined: 2 years ago
Posts: 33
14/08/2017 3:23 pm  

Thanks for sharing Muhammad! It's always good to hear experiences from both sides! 🙂


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(@loqlaq)
Active Member
Joined: 2 years ago
Posts: 6
15/08/2017 8:10 am  
Posted by: Rumi

 See this is why a lot of people don't trust insurance agents... just saying.

Ya la setuju. Saya pun pernah kena.


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(@muhammadyazed)
Trusted Member Agent
Joined: 2 years ago
Posts: 93
15/08/2017 3:15 pm  

Biasa yang dah pernah terkena ni serik untuk ambil lagi....

 

Kan? 🙂

Muhammad
VMC Membership Takaful Advisor
http://vmcvip.wasap.my/


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