Kehilangan ibu dan ayah tercinta adalah antara kehilangan yang tiada gantinya.
Dilansir ohmymedia Ustaz Khailil Razak ada membagikan pertanda jika dapat mimpi didatangi orang tua yang telah meninggal dunia.
Berikut adalah antara kisah yang dibagikannya:
Mak mertua saya pernah tanya saya “Halil selama mak meninggal berapa kali mimpi arwah mak?”
Saya jawab dengan nada sedih .. “Ermm baru 2 kali mama..Seminggu setelah mak meninggal dan waktu halil sibuk kerja sebelum kawin..Kenapa mama? ”
Mak mertua saya berkata .. “Maknanya Halil anak yg baik yg selalu bagi dia pahala dan amal dalam kubur ..
Kalau Halil sering bermimpi itu tandanya dia tidak senang di alam sana dan dia mau doa dari Halil ..”
Owh saya baru paham ingat selalu mimpi mak tanda sayang dengan kita .. Rupanya bukan .. YaAllah ..
Saya terus bergenang air mata teringat balik .. Mungkin kali pertama seminggu lalu mak saya meninggal sebab rindu ..
Mak saya sakit di Rumah Sakit Sultanah Aminah Johor Bharu, Malaysia saat itu saya saya sudah 18 tahun ..
Waktu itu saya mak masih suapkan makan .. Manja sekali dengan almarhum
Tapi kali kedua bermimpi saya ingat waktu itu saya sibuk sekali .. Bisnis sedang maju ..
Tapi sedih masa itu saya jarang buka al-Quran
Baru saya paham bila mak mertua saya bilang seperti itu .. Ya Allah ..
Sebenarnya mak kita yg sudah meninggal mereka sangat haus doa dari anak-anak yang soleh ..
Saya pernah dapat saran dari prof Dr Razali Nawawi Presiden Abim yg pertama .. dia berkata
“Kholil .. Niatkan puasa, salat dan sedekah kita semua untuk mak dan ayah kita ..
Sebab mungkin dalam hidup mereka mereka pernah tinggalkan puasa dan salat ..”
Ya Allah .. Rindunya arwah mak .. Adik beri dakwah .. Adik ceramah pada pelajar-pelajar untuk jadi baik ..
Adik baca al-Quran. Adik buat sedekah infaq semua adik nak niatkan utk mak dan ayah ..
Mak .. Maafkan adik .. tidak sempat melayani mak sepenuh hati adik .. mak ..
Maafkan adik .. Mungkin adik pernah buat mak kecil hati dan menangis sebab adik ..
Ibu suka dengar adik baca al-Quran saat adik kecil.
Nanti dalam surga adik bacakan al-Quran untuk mak depan mak ya … huhuk rindu mak sekali …
Ya Allah tenangkan mak dan ayah kami di alam barzakh. Letakan mereka di kalangan orang-orang beriman .. Jangan lah kau azab mak dan ayah kami .. Amiiin.
While there are several types of life insurance, the most commonly purchased types of policy are whole and term life insurance. The primary differences between the two policies are the cost, the duration of coverage, and that whole life insurance includes a cash value component.
Given the high cost of whole life insurance, often several times that of term, and product complexity, our analysis shows term is typically better for the majority of people as you can still get significant financial coThe death benefit of a whole life insurance policy stays the same for the life of the policy, unless you purchase additional coverage, and often ranges from $50,000 to several million dollars (similar to level term). A smaller death benefit is typical if you are looking to cover all costs associated with your passing, such as a funeral and potential hospital expenses. However, if you are your family’s primary earner, have multiple children to send to college, or a large mortgage balance, you may need a larger death benefit to ensure your family can cover all their obligations without your income.
Premiums
Premiums for whole life insurance are consistent, though they can either be paid annually or for a predetermined period of time (such as 20 years), though they’ll be significantly higher for that period. For example, if you currently have a high income, you might want to pay higher premiums for several years to lock in coverage and reduce your risk.Not all whole life insurance policies pay dividends, and this option is typically available at mutual insurers (since the company’s owners are its policyholders). The way it works is that, each year, the insurer deduct all expenses, such as death benefits paid and the costs of running the business, from the money they’ve made (premiums collected, investments, and any other sources of income) and pays out any net profit as a dividend. To illustrate, say an insurer had $1 million of income in a year, but death benefit payouts and expenses only came to $900,000. If they had 10,000 policyholders receiving dividends, each would get $10 as a dividend.
While dividend paying whole life policies aren’t actually guaranteed to pay a dividend, should they do so, you don’t have to pay income tax on the money as it’s considered a return of premium.
Differences Between Term and Whole Life Insurance
To summarize, here are the key coverage differences between term and whole life insurance policies:
Policy Feature Term Life Insurance Whole Life Insurance
Death Benefit Can be level or decreasing, wide range of options Level, wide range of options
Premium Level for entire term, can be paid monthly or annually Level, can be paid for length of policy or shorter period
Period of Coverage Specified term, from 1 year to 30+ years Lifelong
Cash Value Term has no cash value and can’t be borrowed against Cash value has guaranteed, tax-deferred growth
Dividends Not eligible Eligible if available through insurer
Cost Comparison
Aside from the policy features, the biggest difference between term and whole life insurance policies is the cost. Due to the lifetime coverage and cash value, whole life insurance costs considerably more, meaning it can easily come to 10 times the cost of a term policy with the same death benefit. This means whole life insurance can be prohibitively expensive for many and particularly so for those that need life insurance as financial protection.
A common piece of advice is to “buy term and invest the difference.” It sounds simplistic, but say you had the choice between a 20-year term policy that cost $200 per year term and a $1,000 per year whole policy. If you purchased the term policy and each year invested the $800 savings, at the end of the 20 years you would have $27,775 (assuming a modest 5% annual rate of return on your investment).