Nama Pemegang Polis HERU HERDIANTO Tabarru'

Umur 31 Tahun (19-04-1987) Manfaat Takaful Awal (MTA)

Usia Anak 3 Tahun (07-02-2015) Asumsi Tingkat Investasi
Masa Perjanjian 15 Tahun Mudharabah (Bagi Hasil)
Cara Bayar Tahunan Total Biaya Pengelolaan
Peserta Hidup
Tahapan
Tahun Jml Premi Jml Tabarru' Jml Tabungan Jml Bagi Hasil Nilai Tunai
Masuk
1 2,400,000 160,800 439,200 21,521 460,721
2 4,800,000 321,600 2,678,400 153,817 2,832,217
3 7,200,000 482,400 4,917,600 402,316 5,319,916
4 9,600,000 643,200 3,556,800 772,713 4,329,513 SD
5 12,000,000 804,000 5,796,000 1,094,580 6,890,580
6 14,400,000 964,800 8,035,200 1,541,939 9,577,139
7 16,800,000 1,125,600 10,274,400 2,120,940 12,395,340
8 19,200,000 1,286,400 12,513,600 2,838,032 15,351,632
9 21,600,000 1,447,200 14,752,800 3,699,983 18,452,783
10 24,000,000 1,608,000 11,592,000 4,713,890 16,305,890 SMP
11 26,400,000 1,768,800 13,831,200 5,622,600 19,453,800
12 28,800,000 1,929,600 16,070,400 6,685,557 22,755,957
13 31,200,000 2,090,400 11,109,600 7,910,319 19,019,919 SMA
14 33,600,000 2,251,200 13,348,800 8,952,016 22,300,816
15 36,000,000 2,412,000 1,188,000 10,154,477 11,342,477 PT

Thn Ket.Premi Ket di PT Saldo Awal ThnJml Bagi HasilSaldo Akhir Thn %SRT

16 Bebas Premi PT Tahun Ke-1 11,342,477 555,781 8,923,694 25%

17 Bebas Premi PT Tahun Ke-2 8,923,694 437,261 6,084,621 35%
18 Bebas Premi PT Tahun Ke-3 6,084,621 298,146 3,191,383 50%
19 Bebas Premi PT Tahun Ke-4 3,191,383 156,378 0 100%
Tabarru' 6.7% dari Premi (Non-Perokok)
Manfaat Takaful Awal (MTA) 36000000%
Asumsi Tingkat Investasi 7% (pertahun)
Mudharabah (Bagi Hasil) Peserta 70% ; Perusahaan 30%
Total Biaya Pengelolaan 75% dari premi Tahun Pertama
Peserta Meninggal Dunia
Tahapan Dana Kematian Santunan untuk Ahli Waris Santunan untuk Penerima Hib
%MTA Nominal Non Kec. Kec. Non Kec. Kec. Masuk
0 18,000,000 36,000,000 18,460,721 36,460,721
0 18,000,000 36,000,000 20,832,217 38,832,217
0 18,000,000 36,000,000 23,319,916 41,319,916
10% 3,600,000 18,000,000 36,000,000 22,329,513 40,329,513 SD
0 18,000,000 36,000,000 24,890,580 42,890,580
0 18,000,000 36,000,000 27,577,139 45,577,139
0 18,000,000 36,000,000 30,395,340 48,395,340
0 18,000,000 36,000,000 33,351,632 51,351,632
0 18,000,000 36,000,000 36,452,783 54,452,783
15% 5,400,000 18,000,000 36,000,000 34,305,890 52,305,890 SMP
0 18,000,000 36,000,000 37,453,800 55,453,800
0 18,000,000 36,000,000 40,755,957 58,755,957
20% 7,200,000 18,000,000 36,000,000 37,019,919 55,019,919 SMA
0 18,000,000 36,000,000 40,300,816 58,300,816
40% 0 18,000,000 36,000,000 29,342,477 47,342,477
Dana Kematian Santunan untuk Ahli Waris Santunan untuk Penerima Hib
Tahapan di PT
Non Kec. Kec. Non Kec. Kec.
2,974,565 18,000,000 8,923,694 26,923,694
3,276,334 18,000,000 6,084,621 24,084,621
3,191,383 18,000,000 3,191,383 21,191,383
3,347,761 18,000,000 0 18,000,000
43,390,044
l Dunia
Santunan untuk Penerima Hibah
Nominal Beasiswa
0 0
0 0
0 1,800,000
3,600,000 1,800,000
0 1,800,000
0 1,800,000
0 1,800,000
0 1,800,000
0 1,800,000
5,400,000 2,700,000
0 2,700,000
0 2,700,000
7,200,000 3,600,000
0 3,600,000
0 3,600,000
Santunan untuk Penerima Hibah
Beasiswa di PT
5,400,000
5,400,000
5,400,000
5,400,000
83,700,000
 Nama
Umur

Usia Anak

Masa Perjanjian

Mata Uang

Premi Tahunan
Cara Bayar

PESERTAHIDUP

Thn Jml Premi Jml Jml Tabungan

Tabarru

1 2,400,000 160,800 439,200

2 4,800,000 321,600 2,678,400

3 7,200,000 482,400 4,917,600

4 9,600,000 643,200 3,556,800

5 12,000,000 804,000 5,796,000

6 14,400,000 964,800 8,035,200

7 16,800,000 1,125,600 10,274,400

8 19,200,000 1,286,400 12,513,600

9 21,600,000 1,447,200 14,752,800

10 24,000,000 1,608,000 11,592,000

11 26,400,000 1,768,800 13,831,200

12 28,800,000 1,929,600 16,070,400

13 31,200,000 2,090,400 11,109,600

14 33,600,000 2,251,200 13,348,800

 15 36,000,000 2,412,000 1,188,000

Thn Ket Premi Ket di PT

PT Tahun ke-
16 Bebas Premi
1

PT Tahun ke-
17 Bebas Premi
2

PT Tahun ke-
18 Bebas Premi
3

PT Tahun ke-
19 Bebas Premi
4
 HERU HERDIANTO
31 Tahun (1

3 Tahun (0

15 Tahun

Rupiah

2,400,000
TAHUNAN

Jml BagiHasil

439,200 21,521 460,721

2,678,400 153,817 2,832,217

4,917,600 402,316 5,319,916

3,556,800 772,713 4,329,513

5,796,000 1,094,580 6,890,580

8,035,200 1,541,939 9,577,139

10,274,400 2,120,940 12,395,340

12,513,600 2,838,032 15,351,632

14,752,800 3,699,983 18,452,783

11,592,000 4,713,890 16,305,890

13,831,200 5,622,600 19,453,800

16,070,400 6,685,557 22,755,957

11,109,600 7,910,319 19,019,919

13,348,800 8,952,016 22,300,816

 1,188,000 10,154,477 11,342,477

Saldo Awal Jml BagiHasil Saldo Akhir

Thn

11,342,477 555,781

8,923,694 437,261

6,084,621 298,146

3,191,383 156,378
 (19-04-1987)

(07-02-2015)

Tahapan
Nilai Tunai

Masuk %MTA

SD 10%

SMP 15%

SMU 20%
PT 40%

% SRT Tahapan di PT

Thn

8,923,694 25%

6,084,621

3,191,383 35%

0
50%

100%
 Tabarru
Manfaat Takaful Awal (MTA) : 36,000,000

Asumsi Tingkat Investasi 7% (pertahun)

Mudharabah (Bagi Hasil)Peserta:

Total Biaya Pengelolaan 75: % dari premi Tahun Pertama

Tahapan Dana Kematian

%MTA Nominal Non Kec.

18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

3,600,000 18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

5,400,000 18,000,000 36,000,000

18,000,000 36,000,000

18,000,000 36,000,000

7,200,000 18,000,000 36,000,000

18,000,000 36,000,000
14,400,000 18,000,000 36,000,000

Dana Kematian

Non Kec.

2,974,565

3,276,334

3,191,383 18,000,000

3,347,761
18,000,000

18,000,000
 6.7 % dari Premi (Non-Perokok

70% : Perusahaan 30 %

a Kematian Santunan Ahli Wari

Kec. Non Kec.

18,460,721 36,460,721

20,832,217 38,832,217

23,319,916 41,319,916

22,329,513 40,329,513 SD

24,890,580 42,890,580

27,577,139 45,577,139

30,395,340 48,395,340

33,351,632 51,351,632

36,452,783 54,452,783

34,305,890 52,305,890 SMP

37,453,800 55,453,800

40,755,957 58,755,957

37,019,919 55,019,919 SMU

40,300,816 58,300,816
 29,342,477 47,342,477 PT

Santunan Ahli Waris

Kec. Non Kec. Kec

18,000,000 8,923,694 26,923,694

6,084,621 24,084,621

3,191,383 21,191,383

0 18,000,000
6.7 % dari Premi (Non-Perokok)

70% : Perusahaan 30 %

PESERTAMENINGGALDUNIA

Santunan Ahli Waris Santunan Penerima Hibah

Kec Masuk Nominal Beasiswa

1,800,000

3,600,000 1,800,000

1,800,000

1,800,000

1,800,000

1,800,000

1,800,000

5,400,000 2,700,000

2,700,000

2,700,000

7,200,000 3,600,000

3,600,000
 14,400,000 3,600,000

Santunan Penerima Hibah

Beasisw
a di PT

5,400,000

5,400,000

5,400,000

5,400,000
Beasiswa