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?

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

Thursday, February 28, 2013

Malaysians Living Longer and Enjoying It More


For many years, Malaysia has focused on 2020, when the nation hopes to reach fully developed nation status. Then, not only will Malaysia be a different country (in terms of opportunity and per capita income), we will be living longer to enjoy it -- truly the best of both possible worlds.

Life expectancy for Malaysian women is expected to jump to 79 years in 2020, up from 77 years today, while Malaysian men could expect to live until 74.2 years, up from 71.9 today.

Life expectancy is largely a reflection of the overall quality of life in a nation. In the 1960s, average Malaysian life expectancy was around 54 years. But advances in medicine, better nutrition and more expendable income have contributed to a longer lifespan.

Our longevity numbers place us near the top third of all nations in life span, and suggest that we're on our way to becoming an aging nation.

What happens if we live too long? 

As we live longer and healthier lives, we risk outliving out assets. We could end up in poverty, relying on the government or family to cover our basic living expenses. Or we could become ill and incur unexpected medical costs that quickly deplete a lifetime of savings.

  1. How will your assets hold up if you need to dip into them for a critical illness or long term care?
  2. What options are available to you for emergencies?


Sunday, February 10, 2013

Why Buy Insurance For Parents?


There comes a time in every parent-child relationship where the roles reverse, where the parent becomes the child and the child becomes the parent. And when that change takes place, part of your responsibility is to make sure that your parents have a sound plan in place for the inevitable day when they are gone.

Buying life insurance for parents is not an easy thing to do, but it's important and necessary for so many people. Some children buy life insurance on their parents in order to make sure that there is enough money to pay for burial or final expenses when their parents die. Others buy life insurance on their parents in order to create or preserve an estate that can be passed along to surviving children.

Getting your parents Medical Insurance also help you, as children, in avoiding financial difficulties. Imagine your parents need RM100,000 for medical bill and you have another 2 siblings. If all siblings are working and have the ability to earn, each would have to fork out RM33,333.

What happens if your spouse disagree?

What happens if not all siblings are working and earning money?

Regardless of your reasons for needing to buy life insurance for your parents, one thing that most insurance companies will look require before issuing a policy is called "insurable interest." In the most basic sense, insurable interest is proof that, should your parents die, you would suffer some kind of financial loss. This requirement protects insurance companies from issuing policies that are taken out by children who simply think that their parents may not have long to live and create a fortune by purchasing big life insurance on them.

Once it has been established that you do in fact have an insurable interest, you need to choose the type and amount of insurance coverage to purchase.

Another consideration should be your parents' current health status. It can be difficult, even at a younger age, to purchase life insurance if you have serious medical conditions.


Sunday, February 3, 2013

Why Children Need Health Insurance?

Did you know . . .

That children without insurance are less likely to get care for such things as ear infections which can lead to lifelong consequences like loss of hearing?

That children with insurance are more likely to be healthy and that healthy kids do better in school?

That children with insurance miss fewer days from school and because of this their parents also miss less time from work?

That healthy children still need check-ups, shots and regular dental care so they can stay healthy?


Most importantly, when you decide to get your children Life / Health Insurance, you directly guarantee his or her future insurability.

If he or she diagnosed with diseases during young, he or she may not be insured in the future anymore. Thus, getting him or her insured at young age will directly guarantee his or her future.