Walaupun dilahirkan kurang sempurna, namun tidak membataskan seseorang itu untuk beribadah kepada Allah. Malah ada yang menunaikan urusan ibadah ini lebih sempurna berbanding manusia normal.
Seperti perkongsian seorang lelaki kurang upaya, Muhammad Asyid Abu Bakar, 27 tahun yang cacat penglihata sejak lahir lahi tetapi berjaya mengecapi kejayaan paling manis apabila menghafaz 30 juzuk Al-Quran.
Bapa kepada seorang anak ini dikatakan sudah membaca Al-Quran sejak dari bangku sekolah lagi.
Dia yang dahulunya sudah membaca Al-Quran sejak dari bangku sekolah dan diajar membaca kitab suci ini oleh seorang guru yang celik penglihatan dengan menggunakan Al-Quran Braille.
Malah, dia juga merupakan bekas pelajar Madrasah An-Noor For The Blind, yang terletak di Afrika Selatan.
Muhammad Asyid Abu Bakar menyambung pengajian ke tempat itu selepas tamat pengajian di madrasah tempatan.
Manakala perbelanjaan sepanjang pengajiannya di Afrika Selatan itu, telah di tanggung sepenuhnya oleh madrasah tempatan berkenaan.
Setalah 5 tahun pengajian, akhirnya Muhammad Asyid Abu Bakar berjaya menghafal kesemua surah yang ada dalam kitab suci Al-Quran ini.
Dia juga sering diundang untuk menjadi imam terutamanya pada bulan Ramadan, dan pada masa yang sama menjadi pengajar untuk anak-anak tahfiz.
Muhammad Asyid Abu Bakar juga menyatakan hasratnya untuk membuka sebuah Mahaad Tahfiz di Ipoh khas untuk pelajar buta yang berminat.
Diharapkan hasratnya ini akan tercapai suatu hari nanti dengan bantuan dan juga sokongan orang ramai.
Since whole life insurance is a type of permanent life insurance, you will continue to have coverage for your entire lifetime so long as the premiums are paid. In the case that you pass, the policy beneficiaries should file a claim with the insurer, after which point the circumstances of your death will be reviewed and receive the payout (also called a death benefit or the face value of the policy) so long as everything is in order.
This process may sound simple but, for example, if your child doesn’t know they are the beneficiary to your life insurance policy, they may not be able to claim the payout should you pass, so make sure to keep your family informed.
Each whole life insurance policy consists of a few key elements:
Death benefit
Also called the face value of the policy, this refers to the payout the beneficiaries will receive upon your passing. Death benefits are tax-free so long as you’re below federal and state estate exemption levels, which is the case for most households as the federal exemption level is approximately $5.5 million and only 18 states impose estate or inheritance taxes. Policy face values are typically available in increments of $50,000 or $100,000, though they can go up to several million dollars. Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it’s important to evaluate your family’s needs before deciding to purchase.
You may see products, such as final expense whole life insurance, with death benefits as low as a few thousand dollars. These policies tend to be less expensive as they have a low face value and are designed to cover end-of-life costs. Given the average cost of a funeral is around $10,000, these policies can be incredibly valuable if your family doesn’t have an established emergency fund, or would be put in a difficult financial situation trying to cover burial expenses.
Premium
This is the cost of the policy, and can be paid annually, bi-annually, or monthly, depending on your insurer. Premiums are generally paid for the life of the policy, though some choose to pay a higher premium for a shortened period of time, such as 20 years, in order to make sure their policy doesn’t lapse later. This option can often be useful for people that currently have high incomes that can cover the costs, and want to lock-in coverage for their family no matter what happens to their income in the future. If you’re able to afford it, this can be a simple way to reduce your family’s financial risk profile.
Cash value
As with other permanent life insurance policies, whole life insurance accrues a cash value over time. The cash surrender value is what you get if you surrender the policy to the insurer. It is not added to the face value of the policy, which your beneficiaries get if you pass away.
The cash value grows tax-deferred over time, and is guaranteed to grow at a particular rate in the case of whole life policies. This is why whole life insurance policies are often referred to as an investment vehicle. While the guaranteed rate of return on the cash value may be lower than other financial products, it can lower the overall volatility of a portfolio (though this benefit assumes you have a breadth of existing investments). The cash value can be used to: