Life Insurance Business

"Malaysia’s life insurance business is expected to grow by 9% to 10% in 2013" - LIAM

Critical Illness Coverage

Do you need critical illness cover (also known as 36 dread diseases cover)?

Increasing Medical Cost

Healthcare costs in Malaysia increases about 10% every year - approximately double the inflation rate.

2 out of 3 people will be diagnosed with Critical Illness

If you think that the premium is high, what about the cash needed for a critical illness?

Get to know us today!

“In the next 5 years, without changing our current situation, can we achieve the time, money and lifestyle that we want?”

Sunday, June 10, 2018

[视频] 保险知多少 - 生孩子,可以CLAIM保险吗?



很多人说不能,也有很多人说可以。
到底是什么回事?


Wednesday, May 30, 2018

[视频] 保险知多少 - 0% GST


政府已经宣布GST调降至0%


这个好消息对你的保险保费有什么影响呢?



Sunday, May 27, 2018

[视频] 保险知多少 - 医药卡 Cancer Coverage


大部分我们都有了医药卡,但是大家知道自己的医药卡里面的细节和利益吗?

要赶快检查,不然要用到时才发现没有应该有的利益,就慌了!


Friday, May 11, 2018

Abolishing GST - The Impact


First and foremost, we would like to congratulate Pakatan Harapan in winning the 14th General Election on 9 May 2018.

One of the items that Pakatan Harapan has promised in their Manifesto is to abolish GST.

So what is the impact of abolishing GST towards your insurance protection planning?

Disclaimer : Below is only my personal view on the above matter, exact implementation and documentation may differ.

The biggest impact on your insurance planning will be your Insurance Premium.

Yes! The premium that you will be paying will be slightly lower compared to before. However, it will take time for insurance companies to table out the possible premium reduction based on the type of policy you have bought.

As GST is also calculated in their Risk Profile when they first design the plan, it will definitely take time to re-calculate their Risk Profile and re-introduce a new, lowered, premium for all Policyholders.

My Advice

Use the savings on GST to upgrade your coverage to a higher amount. Simply because you have been paying it all these while and has gotten used to it.

With higher coverage, you and your family can definitely benefit from it in times of need.

Remember, the amount you will be saving on GST can never be able to help you when you need it, but upgrading to a higher amount with the difference can definitely be of help!

Trust me.

Saturday, December 2, 2017

[视频] 保险知多少 - 不要乱乱 po Facebook


自己的Facebook,自己的自由。但是,当你的po文影响自己的保险理赔,谁要负责?



Monday, October 30, 2017

[视频] 保险知多少 - 不要乱乱做 body checkup


为什么不可以乱乱做body check up呢?会有什么后果?



Sunday, October 15, 2017

[视频] 保险知多少 - 不要乱乱拿 MC


为什么不可以乱乱拿MC呢?会有什么后果?


Tuesday, September 26, 2017

Retirement Fund 退休金



Before worrying how much you need and should save for retirement, make sure you don't need to spend your retirement fund too early, or risk your retirement fund at all.
Insurance is not just about Medical Card (a benefit that prevents you from spending your retirement fund too early), it is also about Income Replacement (a benefit that substitute your living expenses and retirement fund should you need to stop work due to critical illness) especially Critical Illness Coverage.
Start saving part of your income to guarantee you at least a 5 to 10 years of Income Replacement. The amount you set aside, can NEVER be more than what you will be compensated.
e.g.
If you are age 35 and save aside RM4,800 a year for a coverage of RM500,000 (Income Replacement), it will take at least 70 years (with interest) to save the RM4,800 by yourself in a bank or investment vehicle.
With an Income Replacement coverage, you will be compensated with RM500,000 lump sum cash, even as early as 2 years after you sign up.
Question: Why do it on your own when you can leverage on Insurance Companies?

Contact Me for a possible solution today!

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在你担心退休时需要多少钱或者现在要存多少钱来应付退休时,请你确保你今天不会把退休金花掉,或者是把退休金这个理想毁掉。

保险不单单时医药保障(这是一种避免你把退休金早点花光的保障)而已,保险也包含了收入替代(这是一种在你因为严重疾病而不能上班赚钱时,替代你的收入和退休金的保障),尤其是严重疾病保障。

开始为你自己准备一个能够替代你5至10年收入的保障吧。
你为这保障所投保的保费绝对不会多于将会得到的理赔。

例如:
如果你是35岁而你每个年可以为自己储存RM4800来得到RM500000的收入替代保障,自己存(在银行或其它低风险投资机构)的话,你必须储存70余年(包括利息)来得到这一笔RM500000。

如果你有收入替代保障的话,虽然只是储存了2年,保险公司将会在你患上严重疾病时,一次过赔偿你RM500000。

问题: 如果你可以把风险转移到保险公司,为什么要自己承担呢?

想要知道如何可以为自己设立一个收入替代保障,请联络我吧。

Friday, August 25, 2017

[Video 视频] 保险知多少 - Incontestable Period 无可争辩期限


There is one more "period" other than the normal Waiting Period for riders in your insurance policy.

除了保单里利益的普通等候期,还有一个期限是大家必须知道的。


Saturday, July 15, 2017

[视频] 保险知多少 - 保险理赔,没有人要?!


这5年来,总共有3.27亿令吉的保险理赔和储蓄没有被认领!

到底为什么?