Services
What We Offer
PERSONAL INSURANCE/TAKAFUL
This covers various insurance needs for individuals, including motor, home, maid, travel, and more.
COMMERCIAL INSURANCE/TAKAFUL
We tailored and structure insurance coverage to SME and Large corporation.
FINANCIAL PLANNING
We provide advice on the long-term financial needs of individual
PERSONAL INSURANCE/TAKAFUL
This covers various insurance needs for individuals, including motor, home, maid, travel, and more.
- TRAVEL
- Tab #2
TRAVEL
Loss baggage, plane delays, trip cancellation and personal and medical expenses.
What it covers?
Travel insurance provides coverage for you and/or your family against unexpected events leading to personal injury and/or loss or damage to personal belongings. This includes the following benefits:
Benefits
Travel insurance covers you against unforeseen events whilst on domestic or overseas travel:
- Accidental Death or Disablement
- Medical expenses incurred due to illness or accident
- Costs of Emergency Medical Evacuation
- Repatriation of mortal remains
- Travel Cancellation and/or postponement due to illness or natural disaster before departure
- Loss of Baggage, Personal Money/Valuables, Personal Belongings and Laptop
- Loss of Deposit due to travel cancellation resulting from illness or natural disaster before departure
- Trip Curtailment & Hijacking
- Travel Delays and Overbooking and Missed Connection
- Baggage Delays
- Loss of Travel Documents
- Personal Liability for accidents caused by you
- Closure of travel agency/operator resulting in Loss of Deposit
- Quarantine allowance for infectious diseases
- Loss due to Credit Card frauds
- etc
Tab #2
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Loss baggage, plane delays, trip cancellation and personal and medical expenses.
What it covers?
Travel insurance provides coverage for you and/or your family against unexpected events leading to personal injury and/or loss or damage to personal belongings. This includes the following benefits:
Benefits
Travel insurance covers you against unforeseen events whilst on domestic or overseas travel:
- Accidental Death or Disablement
- Medical expenses incurred due to illness or accident
- Costs of Emergency Medical Evacuation
- Repatriation of mortal remains
- Travel Cancellation and/or postponement due to illness or natural disaster before departure
- Loss of Baggage, Personal Money/Valuables, Personal Belongings and Laptop
- Loss of Deposit due to travel cancellation resulting from illness or natural disaster before departure
- Trip Curtailment & Hijacking
- Travel Delays and Overbooking and Missed Connection
- Baggage Delays
- Loss of Travel Documents
- Personal Liability for accidents caused by you
- Closure of travel agency/operator resulting in Loss of Deposit
- Quarantine allowance for infectious diseases
- Loss due to Credit Card frauds
- etc
Coverage for cars, motorcycle and liability to third parties
What it covers?
Motor Insurance covers your motor vehicle against loss or damage caused by accidents. It covers your legal liability for bodily injury or property damage to third parties.
Benefits
Comprehensive cover:
- Cover for damage to the vehicle due to accidental collision
- Loss due to theft of or malicious damage to the vehicle
- Indemnity for claims made by any Third Parties due to careless or negligent driving by your authorized drivers
- An excess which is applicable which means that the insured has to pay the specified amount for each and every accidental claim for damage to the vehicles
Additional Benefits:
- Special Perils, like flood, landslips and etc
- Transport allowance is payable whilst your car is undergoing repairs due to any accidents
- NCD Protector, an extension is available to protect the No Claims Discount (NCD) in the event of any accidents, so that a claim will not reduce your existing NCD
- Loan protection is to cover up to a selected limit for inability to pay the o/s car loan due to serious or fatal accident to the owner whilst driving
- Excess Waiver, the benefit waives the policy excess payable if repaired at authorised workshops.
- Extensions for coverage against acts of negligence of passengers like opening of car doors and causing serious accidents to third parties is available.
Coverage for buildings, contents, personal collections against major perils of fire, flood and theft
What it covers?
Insurance cover the financial losses resulting from damage to the dwelling and contents due to fortuitous events e.g. fire, lightning, explosion, flood, impact damage and windstorm etc.
Benefits
- Pays for repairs to the building/contents due to Fire, Lightning, Explosion (domestic boilers),
- Windstorm, Typhoon, Flood, Earthquake, Volcanic Eruption etc.
- Damage caused by Strike Riots & Civil Commotion
- Protects your liability against Third Party claims arising from negligent acts or carelessness
- Pays for loss of or damage to household contents, furniture, fixtures and fittings, jewellery due to burglary, breaking-in and malicious damage
- Damage arising from Impact by aircraft or other aerial devices, falling trees and road vehicles
- Landslip and or Subsidence are covered
- Accidental breakage of fixed glass
- Home emergency protections against air-conditioner leakages, burst water pipes, and electrical faults
Additional Benefits
- Loss of money from ATM cards by theft or fraudulent use of the cards
- Rent protector, for loss of rent due to death of the tenant by accident
- Expenses for tracing and assessing water seepage into the building
- Personal Accident coverage for the insured
Worldwide, for injury or death
What it covers?
Personal Accident provides an insured 24-hours, worldwide coverage against payment for:
- Death or injury due to accidental means
- Death or injury due to terrorists’ acts
- Motorcycling injuries
- Medical Expenses due to certain infectious diseases including Dengue Fever, SARs, Bird Flu, Hand Foot Mouth diseases, Mumps, Rubella, MERS
- Expenses incurred for purchases of mobility devices, crutches, wheelchairs, artificial limbs
- Treatment incurred by licensed Chinese Physicians and bonesetters
- Lump sum payment for bone fractures
- Emergency Medical evacuation due to accidents whilst oversea
- And etc in the Insurer Product Discloser Sheets
Covers personal hospital and surgical expenses incurred as a result of illness or accident
What it covers?
The insurance policy pays for in-hospitalisation expenses for illnesses or surgical procedures with option to include Outpatient Clinical covers:
- Choice for coverage in Private Hospitals and Government or Government restructured Hospital
- Choice of higher limits of expenses up to RM 1,000,000
- Cover can be arranged to include the Family members
- Covers expenses incurred for Hospital stay due to accident or illness
- Covers the Room & Board charges per day
- Covers the Surgery expenses
- Covers Doctors Consultation and Visits to Hospital
- Covers Major Organ Transplant
- Covers Outpatient Kidney dialysis or Outpatient Chemotherapy
Covers your boat against all physical loss or damage arising directly from any external cause. Also includes accident cover for passengers
What it covers?
Policy covers All Risks of accidental Loss of or Damage to the boat or sailing vessel due to accidental collision or overturning including all Third-Party liabilities due to negligence in the course of using the boat:
- Perils covered are, collision at sea, fire, lightning strikes, jettison, piracy, theft, malicious damage and perils of the sea
- Covers the Hull including machinery, Out-board motor and all Equipment on the vessel
- Protects against legal liability claims from passengers arising from negligence in the use of the vessel
- Covers the vessel whilst at sea or at place of storage including the lifting or hauling out and launching of the vessel
- Covers the vessel whilst it is being laid up or put out of commission
Some insurers do also provide the following exclusive extensions:
- Medical Expenses to owner and/or spouse for a limited sum
- Loss of Personal Effects
- Dropping or falling overboard of outboard motor
- Transit risk where accidental loss or damage is covered
- Personal Accident benefits coverage for owner, spouse and passengers
- No Claim Discount is available
It provides financial protection to your beneficiaries by paying out a lump sum upon your death. It involves paying regular premiums and can help cover expenses and support loved ones.
What it covers?
In brief, personal life insurance typically includes:
- Death Benefit: A lump sum paid to your beneficiaries upon your death.
Types of Policies:
- Term Life: Coverage for a set period (e.g., 10, 20 years).
- Whole Life: Lifetime coverage with a cash value component.
- Endowment Life / Saving: Flexible premiums and death benefits with cash value growth.
- Investment-link Life: Investment options with a variable cash value and death benefit.
- Cash Value: Accumulates over time in permanent policies and can be borrowed against.
- Riders: Optional features like accelerated death benefits or disability waivers.
- Premiums: Regular payments needed to keep the policy active.
Each policy varies, so it’s important to review the specific details and benefits.
Maid insurance policies protects you against unexpected expenses and losses
What it covers?
Maid insurance benefits:
- Personal Accident & Medical Benefits up to RM35 ,000 for injury to Maid
- Hospital & Surgical Expenses up to RM 5,000
- Medical Expenses up to RM750
- Repatriation Expenses up to RM 5,000
- Weekly Benefits (Max 15 weeks) RM105 per week
TRAVEL
Loss baggage, plane delays, trip cancellation and personal and medical expenses.
What it covers?
Travel insurance provides coverage for you and/or your family against unexpected events leading to personal injury and/or loss or damage to personal belongings. This includes the following benefits:
Benefits
Travel insurance covers you against unforeseen events whilst on domestic or overseas travel:
- Accidental Death or Disablement
- Medical expenses incurred due to illness or accident
- Costs of Emergency Medical Evacuation
- Repatriation of mortal remains
- Travel Cancellation and/or postponement due to illness or natural disaster before departure
- Loss of Baggage, Personal Money/Valuables, Personal Belongings and Laptop
- Loss of Deposit due to travel cancellation resulting from illness or natural disaster before departure
- Trip Curtailment & Hijacking
- Travel Delays and Overbooking and Missed Connection
- Baggage Delays
- Loss of Travel Documents
- Personal Liability for accidents caused by you
- Closure of travel agency/operator resulting in Loss of Deposit
- Quarantine allowance for infectious diseases
- Loss due to Credit Card frauds
- etc
MOTOR
Coverage for cars, motorcycle and liability to third parties
What it covers?
Motor Insurance covers your motor vehicle against loss or damage caused by accidents. It covers your legal liability for bodily injury or property damage to third parties.
Benefits
Comprehensive cover:
- Cover for damage to the vehicle due to accidental collision
- Loss due to theft of or malicious damage to the vehicle
- Indemnity for claims made by any Third Parties due to careless or negligent driving by your authorized drivers
- An excess which is applicable which means that the insured has to pay the specified amount for each and every accidental claim for damage to the vehicles
Additional Benefits:
- Special Perils, like flood, landslips and etc
- Transport allowance is payable whilst your car is undergoing repairs due to any accidents
- NCD Protector, an extension is available to protect the No Claims Discount (NCD) in the event of any accidents, so that a claim will not reduce your existing NCD
- Loan protection is to cover up to a selected limit for inability to pay the o/s car loan due to serious or fatal accident to the owner whilst driving
- Excess Waiver, the benefit waives the policy excess payable if repaired at authorised workshops.
- Extensions for coverage against acts of negligence of passengers like opening of car doors and causing serious accidents to third parties is available.
HOME
Coverage for buildings, contents, personal collections against major perils of fire, flood and theft
What it covers?
Insurance cover the financial losses resulting from damage to the dwelling and contents due to fortuitous events e.g. fire, lightning, explosion, flood, impact damage and windstorm etc.
Benefits
- Pays for repairs to the building/contents due to Fire, Lightning, Explosion (domestic boilers),
- Windstorm, Typhoon, Flood, Earthquake, Volcanic Eruption etc.
- Damage caused by Strike Riots & Civil Commotion
- Protects your liability against Third Party claims arising from negligent acts or carelessness
- Pays for loss of or damage to household contents, furniture, fixtures and fittings, jewellery due to burglary, breaking-in and malicious damage
- Damage arising from Impact by aircraft or other aerial devices, falling trees and road vehicles
- Landslip and or Subsidence are covered
- Accidental breakage of fixed glass
- Home emergency protections against air-conditioner leakages, burst water pipes, and electrical faults
Additional Benefits
- Loss of money from ATM cards by theft or fraudulent use of the cards
- Rent protector, for loss of rent due to death of the tenant by accident
- Expenses for tracing and assessing water seepage into the building
- Personal Accident coverage for the insured
PERSONAL ACCIDENT
Worldwide, for injury or death
What it covers?
Personal Accident provides an insured 24-hours, worldwide coverage against payment for:
- Death or injury due to accidental means
- Death or injury due to terrorists’ acts
- Motorcycling injuries
- Medical Expenses due to certain infectious diseases including Dengue Fever, SARs, Bird Flu, Hand Foot Mouth diseases, Mumps, Rubella, MERS
- Expenses incurred for purchases of mobility devices, crutches, wheelchairs, artificial limbs
- Treatment incurred by licensed Chinese Physicians and bonesetters
- Lump sum payment for bone fractures
- Emergency Medical evacuation due to accidents whilst oversea
- And etc in the Insurer Product Discloser Sheets
HEALTH
Covers personal hospital and surgical expenses incurred as a result of illness or accident
What it covers?
The insurance policy pays for in-hospitalisation expenses for illnesses or surgical procedures with option to include Outpatient Clinical covers:
- Choice for coverage in Private Hospitals and Government or Government restructured Hospital
- Choice of higher limits of expenses up to RM 1,000,000
- Cover can be arranged to include the Family members
- Covers expenses incurred for Hospital stay due to accident or illness
- Covers the Room & Board charges per day
- Covers the Surgery expenses
- Covers Doctors Consultation and Visits to Hospital
- Covers Major Organ Transplant
- Covers Outpatient Kidney dialysis or Outpatient Chemotherapy
PLEASURE CRAFT
Covers your boat against all physical loss or damage arising directly from any external cause. Also includes accident cover for passengers
What it covers?
Policy covers All Risks of accidental Loss of or Damage to the boat or sailing vessel due to accidental collision or overturning including all Third-Party liabilities due to negligence in the course of using the boat:
- Perils covered are, collision at sea, fire, lightning strikes, jettison, piracy, theft, malicious damage and perils of the sea
- Covers the Hull including machinery, Out-board motor and all Equipment on the vessel
- Protects against legal liability claims from passengers arising from negligence in the use of the vessel
- Covers the vessel whilst at sea or at place of storage including the lifting or hauling out and launching of the vessel
- Covers the vessel whilst it is being laid up or put out of commission
Some insurers do also provide the following exclusive extensions:
- Medical Expenses to owner and/or spouse for a limited sum
- Loss of Personal Effects
- Dropping or falling overboard of outboard motor
- Transit risk where accidental loss or damage is covered
- Personal Accident benefits coverage for owner, spouse and passengers
- No Claim Discount is available
LIFE / FAMILY
It provides financial protection to your beneficiaries by paying out a lump sum upon your death. It involves paying regular premiums and can help cover expenses and support loved ones.
What it covers?
In brief, personal life insurance typically includes:
- Death Benefit: A lump sum paid to your beneficiaries upon your death.
- Types of Policies:
- Term Life: Coverage for a set period (e.g., 10, 20 years).
- Whole Life: Lifetime coverage with a cash value component.
- Endowment Life / Saving: Flexible premiums and death benefits with cash value growth.
- Investment-link Life: Investment options with a variable cash value and death benefit.
- Cash Value: Accumulates over time in permanent policies and can be borrowed against.
- Riders: Optional features like accelerated death benefits or disability waivers.
- Premiums: Regular payments needed to keep the policy active.
Each policy varies, so it’s important to review the specific details and benefits.
DOMESTIC MAID
Maid insurance policies protects you against unexpected expenses and losses
What it covers?
Maid insurance benefits:
- Personal Accident & Medical Benefits up to RM35 ,000 for injury to Maid
- Hospital & Surgical Expenses up to RM 5,000
- Medical Expenses up to RM750
- Repatriation Expenses up to RM 5,000
- Weekly Benefits (Max 15 weeks) RM105 per week
COMMERCIAL INSURANCE/TAKAFUL
We tailored and structure insurance coverage to SME and Large corporation.
Aviation insurance covers risks related to aircraft operations and is divided into categories such as general aviation (for private aircraft), commercial aviation (for airlines and commercial aircraft), aviation product liability (for manufacturers and suppliers), and airport operator’s insurance (for airport operations). Each category has specific terms and coverage limits to address its unique risks. This insurance is essential for managing financial risks in the aviation industry.
Agriculture insurance also known as crop or farm insurance, covers risks and losses for farmers. It includes crop insurance for crop failures, livestock insurance for animal losses, and farm property insurance for asset protection. Liability insurance covers legal issues from farming operations, while some policies offer revenue protection for income stability. This insurance helps manage financial risks and supports the agricultural sector’s resilience.
Performance bond is a type of surety bond used in construction to protect the project owner if the contractor fails to meet contract obligations. Issued by a bonding or insurance company, it guarantees compensation for losses due to contractor non-performance. The contractor applies for the bond, which is a percentage of the contract value. If the contractor defaults, the owner can claim on the bond for financial compensation, ensuring contractor accountability and project security.
Casualty insurance covers losses and liabilities from accidents, injuries, or unforeseen events. It includes liability insurance (for legal claims), automobile insurance (for vehicle-related risks), workers’ compensation (for job-related injuries), and umbrella insurance (for extra liability coverage). This insurance is crucial for managing financial risks and mitigating liability for both individuals and businesses.
Engineering insurance, or construction insurance, covers risks in engineering and construction projects. It includes protection against property damage, machinery breakdown, project delays, and third-party liability. The Construction All-Risk (CAR) policy is common, covering construction sites, materials, and equipment. This insurance helps manage risks, safeguard stakeholders, and ensure smooth project execution.
Financial lines insurance covers risks in the financial industry, including professional liability for negligence, directors’ and officers’ liability for wrongful acts, cyber liability for cyber incidents, employment practices liability for wrongful employment claims, and crime and fidelity insurance for fraud and dishonesty. It helps manage financial and professional risks, protect against legal claims, and ensure security for businesses and professionals.
Environmental insurance covers financial losses and liabilities from pollution and environmental damage. It includes protection for clean-up costs, legal expenses, and third-party claims. This insurance helps manage the financial impact of environmental incidents, supports remediation efforts, and ensures regulatory compliance.
Marine insurance covers risks in maritime transportation, including hull insurance for vessel damage, cargo insurance for goods in transit, and freight insurance for freight forwarders’ liability. It also includes Protection and Indemnity (P&I) insurance for vessel operation liabilities and marine liability insurance for marine services. This insurance is essential for mitigating risks and protecting against financial losses in the maritime industry.
Property insurance covers homes, buildings, and their contents against risks like fire, theft, and natural disasters. It includes homeowner’s insurance for residences, commercial property insurance for businesses, and renters insurance for tenants. Policies offer coverage for property damage, personal belongings, and liability, with options for named perils or all-risk protection. Additional coverages may include high-value items and natural disasters, helping protect investments and provide peace of mind.
Employee benefits, or group benefits insurance, are provided by employers to offer financial protection beyond salary. It includes health insurance, life insurance, disability insurance, and retirement plans, along with additional perks like dental and vision coverage, paid time off, and wellness programs. These benefits help attract and retain employees, enhance well-being, and ensure financial security.
Motor vehicle insurance, or auto insurance, offers financial protection for vehicles. It includes liability coverage for injuries or damage to others, collision coverage for damages to the insured vehicle, comprehensive coverage for non-collision incidents, personal injury protection for medical expenses, and uninsured/under-insured motorist coverage. It is often a legal requirement and helps drivers meet financial responsibilities on the road.
Pecuniary insurance, also known as financial or fidelity insurance, protects against financial losses from dishonesty, fraud, or embezzlement by employees or third parties. It covers employee dishonesty, forgery, computer fraud, theft, and burglary. This insurance helps mitigate financial risks from fraudulent activities and provides compensation for incurred losses.
AVIATION
Aviation insurance covers risks related to aircraft operations and is divided into categories such as general aviation (for private aircraft), commercial aviation (for airlines and commercial aircraft), aviation product liability (for manufacturers and suppliers), and airport operator’s insurance (for airport operations). Each category has specific terms and coverage limits to address its unique risks. This insurance is essential for managing financial risks in the aviation industry.
AGRICULTURE
Agriculture insurance also known as crop or farm insurance, covers risks and losses for farmers. It includes crop insurance for crop failures, livestock insurance for animal losses, and farm property insurance for asset protection. Liability insurance covers legal issues from farming operations, while some policies offer revenue protection for income stability. This insurance helps manage financial risks and supports the agricultural sector’s resilience.
BOND
Performance bond is a type of surety bond used in construction to protect the project owner if the contractor fails to meet contract obligations. Issued by a bonding or insurance company, it guarantees compensation for losses due to contractor non-performance. The contractor applies for the bond, which is a percentage of the contract value. If the contractor defaults, the owner can claim on the bond for financial compensation, ensuring contractor accountability and project security.
CASUALTY
Casualty insurance covers losses and liabilities from accidents, injuries, or unforeseen events. It includes liability insurance (for legal claims), automobile insurance (for vehicle-related risks), workers’ compensation (for job-related injuries), and umbrella insurance (for extra liability coverage). This insurance is crucial for managing financial risks and mitigating liability for both individuals and businesses.
ENGINEERING
Engineering insurance, or construction insurance, covers risks in engineering and construction projects. It includes protection against property damage, machinery breakdown, project delays, and third-party liability. The Construction All-Risk (CAR) policy is common, covering construction sites, materials, and equipment. This insurance helps manage risks, safeguard stakeholders, and ensure smooth project execution.
FINANCIAL LINES
Financial lines insurance covers risks in the financial industry, including professional liability for negligence, directors’ and officers’ liability for wrongful acts, cyber liability for cyber incidents, employment practices liability for wrongful employment claims, and crime and fidelity insurance for fraud and dishonesty. It helps manage financial and professional risks, protect against legal claims, and ensure security for businesses and professionals.
ENVIRONMENTAL
Environmental insurance covers financial losses and liabilities from pollution and environmental damage. It includes protection for clean-up costs, legal expenses, and third-party claims. This insurance helps manage the financial impact of environmental incidents, supports remediation efforts, and ensures regulatory compliance.
MARINE
Marine insurance covers risks in maritime transportation, including hull insurance for vessel damage, cargo insurance for goods in transit, and freight insurance for freight forwarders’ liability. It also includes Protection and Indemnity (P&I) insurance for vessel operation liabilities and marine liability insurance for marine services. This insurance is essential for mitigating risks and protecting against financial losses in the maritime industry.
PROPERTY
Property insurance covers homes, buildings, and their contents against risks like fire, theft, and natural disasters. It includes homeowner’s insurance for residences, commercial property insurance for businesses, and renters insurance for tenants. Policies offer coverage for property damage, personal belongings, and liability, with options for named perils or all-risk protection. Additional coverages may include high-value items and natural disasters, helping protect investments and provide peace of mind.
EMPLOYEES BENEFITS
Employee benefits, or group benefits insurance, are provided by employers to offer financial protection beyond salary. It includes health insurance, life insurance, disability insurance, and retirement plans, along with additional perks like dental and vision coverage, paid time off, and wellness programs. These benefits help attract and retain employees, enhance well-being, and ensure financial security.
MOTOR VEHICLE
Motor vehicle insurance, or auto insurance, offers financial protection for vehicles. It includes liability coverage for injuries or damage to others, collision coverage for damages to the insured vehicle, comprehensive coverage for non-collision incidents, personal injury protection for medical expenses, and uninsured/under-insured motorist coverage. It is often a legal requirement and helps drivers meet financial responsibilities on the road.
PECUNIARY
Pecuniary insurance, also known as financial or fidelity insurance, protects against financial losses from dishonesty, fraud, or embezzlement by employees or third parties. It covers employee dishonesty, forgery, computer fraud, theft, and burglary. This insurance helps mitigate financial risks from fraudulent activities and provides compensation for incurred losses.
ESTATE PLANNING
Estate planning involves organizing assets and finances to ensure a smooth transfer to beneficiaries after death. It includes creating wills, trusts, powers of attorney, healthcare directives, and planning for taxes and business succession. This process helps protect assets, minimize taxes, and ensure personal wishes are fulfilled, often with professional guidance. Regular updates are essential to reflect changes in circumstances and laws.
FINANCIAL PLANNING
You will encounter various challenges throughout different stages of your life. We are committed to offering thorough and sincere support every step of the way, partnering with you from the start of your career through to retirement. By collaborating with FOUR Family takaful operators, we offer a detailed comparison to address your specific concerns.
Our comprehensive range of solutions is designed to meet your needs in the following areas:
Protection, estate creation, property, keyman and business continuation, critical illness, income replacement / disability`
What it is?
Wealth Protection is the first stance of importance in Financial Planning.
Your family members or those dependent on you would require a significant lump sum should you happen to pass on earlier before all financial obligations have been settled.
By insuring yourself with the following solutions, you can be rest assured that your family and dependents will not be in a worst off situation should an unforeseen circumstance occur such as pre-mature Death or Total & Permanent Disability.
- Flexible Term Takaful
- Mortgage Loan Term Takaful
- Whole of Life Takaful (Regular Payments / Lump Sum Options)
Why is it?
- For Income replacement
- Debt settlement
- Medical funding
- Child education
- Estate Administration
- Business Succession
Triggering Events
- Accidental
- Hospitalization
- Critical Illnesses
- Total & Permanent Disabilities
- Death
Solution
- Personal Expenses
- Family expenses
- Outstanding debt
- Other commitment
Cash flow analysis, emergency fund, retirement planning, managed funds portfolio, asset allocation strategies, gearing strategies.
What it is?
Growing ones Wealth is important as Inflation erodes our value of hard-earned savings over the years. Creation and accumulation of Wealth can be done one step at a time; monthly or yearly contributions can be made thru different solutions.
Goals Planning
- Goal planning can be buying a house, car, vacation, Hajj and etc
- Saving up for certain Goals / Items in 10 / 15 years’ time
- Short term savings can be set aside for endowment plans to assist in achieving your Goals or Items.
- Regular investing through unit trusts, Exchange Trade Fund (ETF), REITs from a choice of more than many funds type available.
Education Planning
- How much do you wish to set aside for your children’s education?
- There’s a yearly average of 3%-5% inflation for education costs in Malaysia alone.
- More planning is required if you intend to send your children overseas for higher education
Retirement Planning
- Early planning is recommended for Retirement Planning regardless of your Age. The earlier the better in order to set aside the future required funds for your retirement
- Combining solutions to supplement existing EPF schemes
- Private Retirement Scheme (PRS), an additional savings option for investors to build their retirement nest egg within a regulated framework. Investors can also enjoy a personal tax relief of up to RM3,000 per annum on their PRS contribution.
Term life insurance/takaful, universal life insurance, writing of will or creating a trust in distributing your wealth
What it is?
Setting aside a Legacy for your Loved ones or to Charitable organizations.
Wealth Distribution solutions can be recommended to meet your needs.
- Simple solutions such as Term Life Insurance/Takaful or Whole of Life insurance/Takaful can be used for leaving a Legacy
- Universal Life insurance is also available for those who wish to simply park a Lump Sum and create a Legacy to your desired parties.
- With collaboration with specialised Wills and Trust companies, we are able to recommend you on the importance of writing a Will or creating a Trust to suit your intentions on distributing your Wealth.
WEALTH PROTECTION
Protection, estate creation, property, keyman and business continuation, critical illness, income replacement / disability`
What it is?
Wealth Protection is the first stance of importance in Financial Planning.
Your family members or those dependent on you would require a significant lump sum should you happen to pass on earlier before all financial obligations have been settled.
By insuring yourself with the following solutions, you can be rest assured that your family and dependents will not be in a worst off situation should an unforeseen circumstance occur such as pre-mature Death or Total & Permanent Disability.
- Flexible Term Takaful
- Mortgage Loan Term Takaful
- Whole of Life Takaful (Regular Payments / Lump Sum Options)
Why is it?
- For Income replacement
- Debt settlement
- Medical funding
- Child education
- Estate Administration
- Business Succession
Triggering Events
- Accidental
- Hospitalization
- Critical Illnesses
- Total & Permanent Disabilities
- Death
Solution
- Personal Expenses
- Family expenses
- Outstanding debt
- Other commitment
WEALTH CREATION AND ACCUMULATION
Cash flow analysis, emergency fund, retirement planning, managed funds portfolio, asset allocation strategies, gearing strategies.
What it is?
Growing ones Wealth is important as Inflation erodes our value of hard-earned savings over the years. Creation and accumulation of Wealth can be done one step at a time; monthly or yearly contributions can be made thru different solutions.
Goals Planning
- Goal planning can be buying a house, car, vacation, Hajj and etc
- Saving up for certain Goals / Items in 10 / 15 years’ time
- Short term savings can be set aside for endowment plans to assist in achieving your Goals or Items.
- Regular investing through unit trusts, Exchange Trade Fund (ETF), REITs from a choice of more than many funds type available.
Education Planning
- How much do you wish to set aside for your children’s education?
- There’s a yearly average of 3%-5% inflation for education costs in Malaysia alone.
- More planning is required if you intend to send your children overseas for higher education
Retirement Planning
- Early planning is recommended for Retirement Planning regardless of your Age. The earlier the better in order to set aside the future required funds for your retirement
- Combining solutions to supplement existing EPF schemes
- Private Retirement Scheme (PRS), an additional savings option for investors to build their retirement nest egg within a regulated framework. Investors can also enjoy a personal tax relief of up to RM3,000 per annum on their PRS contribution.
WEALTH DISTRIBUTION
Term life insurance/takaful, universal life insurance, writing of will or creating a trust in distributing your wealth
What it is?
Setting aside a Legacy for your Loved ones or to Charitable organizations.
Wealth Distribution solutions can be recommended to meet your needs.
- Simple solutions such as Term Life Insurance/Takaful or Whole of Life insurance/Takaful can be used for leaving a Legacy
- Universal Life insurance is also available for those who wish to simply park a Lump Sum and create a Legacy to your desired parties.
- With collaboration with specialised Wills and Trust companies, we are able to recommend you on the importance of writing a Will or creating a Trust to suit your intentions on distributing your Wealth.
Travel Insurance
Medical Malpractice
Car Insurance
Home Insurance
Term Life Insurance
Personal Accident Insurance
We Provide the Best For You
Our commitment is to offer you only the best — from personalized solutions
to reliable support, every step of the way.
to reliable support, every step of the way.
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