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?


Wednesday, May 30, 2018

[视频] 保险知多少 - 0% GST



Sunday, May 27, 2018

[视频] 保险知多少 - 医药卡 Cancer Coverage



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


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


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.
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!







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?


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.


Saturday, July 15, 2017

[视频] 保险知多少 - 保险理赔,没有人要?!