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3 years ago · by · 0 comments

How Much Insurance Coverage Should You Have?


No matter what’s your age or how much income you earn every month, basically everyone needs insurance. Unfortunately, majority of Malaysians today don’t have enough insurance coverage because they simply don’t know how much insurance coverage they need.

Being underinsured, while better than being not insured, is still an unsafe situation that can hurt you financially in the event of some unfortunate accident happens.

Young people today in their 20s and 30s are particularly vulnerable to being underinsured or not insured at all, which is risky because these are the years when you should be getting enough insurance coverage to protect your future funds!

First, let us understand what life insurance is all about. Life insurance is what gives you and your family protection against death, total permanent disability (TPD) and critical illness.

Now, let see the types of insurance plans available in the market today:


With these plans, you get lifelong protection as long as premiums are paid. Most of such plans build cash values that can be withdrawn in the form of policy loan in case of an emergency. “Riders” to cover for illness and total permanent disability can be added to basic plans which will be waived if you met with critical illness or TPD.


With this, you get protection for a fixed period. It pays the sum assured only if you die or become totally or TPD during that period. Term insurance has no surrender value when the policy ends or terminates prematurely. However, the cost of this type of coverage is usually lower than that of a whole life plan. Term insurance usually comes in terms of five to forty years and is renewable when each term ends.


It is aimed at building up your savings over a permanent policy term. The policy pays the sum assured and any bonuses you have built up at the end of the policy term, or when you die or become totally or TPD during the policy term. Depending on your needs, an endowment policy can serve as an all-purpose savings plan, a children’s education savings plan or a retirement plan


Such plans invest in different investment instruments while providing you with optional insurance coverage that you can vary according to your needs. This type of policy will combine saving, investment and medical coverage into one plan.

So how do you really calculate the amount of insurance coverage needed? To know the amount, we need to consider a few things as below:

You need to consider your monthly expenditure and monthly income first to make an estimate amount needed annually and times it with number of years you will survive or your family needs. Long term saving goals also need to be considered, including money needed after retirement and children’s education.

Let’s look at an example below:

Let’s assume John is a working adult age 30 years and married with one kids. His monthly income is RM4,000 and his monthly expenditure (includes his car loan, mortgage loan, household expenditure, food and etc) is RM3,000. If let’s say he met with an accident which puts him in TPD condition which may cause him to lose his job. Now let calculate his estimate coverage needed to support his living without any income coming in.

Yearly expenses: RM36, 000

Estimate number of years and amount needed to support his family (30 years): RM1,080,000

So the estimate minimum level of insurance protection needed is around RM1 million.

Now the above amount doesn’t include inflation rate, additional medical cost, and child’s education cost and so on.

Thus, from the above example we may conclude that the estimated life insurance protection coverage for John’s family is equivalent to about 22 times the annual income. Even if he have some savings in bank or invest in unit trust, it would not be enough to cover his expenses.

So before you decide to put all of your money into savings or investments, it’s is better to just remember that all it only takes a single accident to clear out your savings. Don’t take the risk of assuming nothing will ever happen to you. Get an insurance proposal today and purchase an insurance policy that will make financial risk transferred to an insurance company!

So is your insurance protection coverage enough to support you and your family during emergency? If you’re not sure, then talk to us today and we will guide you.

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3 years ago · by · 0 comments

Top 5 biggest misconceptions about life insurance


When it comes to protecting you and your family’s future, many people misunderstood the need for insurance. We look at the five biggest misconceptions people have when getting an insurance policy.

It’s too expensive

Many people thinks that life insurance is expensive and unnecessary need, but an insurance policy that’s tailored to suit your lifestyle can cost less than your daily cup of tea. That’s a lot less than what you would have to pay in the event something unexpected happens and you had to pay for costly medical bills. The main point is to search around, and find a policy that suits your needs and your budget.

It’s only for old people

Between the ages of 18 to 30 you may be more interested in spending time with your friends and travelling than thinking about your future. It’s easier and lower to get an insurance policy in your younger age when you are healthy and no known health problem. Once you are affected with some health problem, then getting a policy will be hander and more expensive. If you want to retain control of your financial freedom as you grow older and start thinking about retirement plans, it’s worth considering options where you’ll get a lower premium.

It’s too early

While you are still young, the insurance premium amount will be lower and easily available, compare to those you get after getting older or after getting some health problem. As cost of medical is rising every year, it’s a safe bet to get insured earlier than late. In case you are affected with an illness, then getting a new insurance policy will be harder and expensive. In this kind of event, you don’t want to leave your family with the burden of costly medical bills.

It’s better to save in bank

People usually assume they will grow their money by saving in banks, ultimately self-insuring to protect their surviving family against financial risk. It’s good to save in banks, but investing in an insurance policy will give you both savings plus additional sum assured (and medical coverage for those investment-link plans) so you can avoid touching your savings fund if something did happen and still have funds for that future asset dreams instead.

My employer pays the bills

Yes, most employers do offer group insurance coverage for their employees today, but does that coverage sufficient to cover the medical cost? Not all employers cover fully the medical bills, and sometime you will need to folk out your own money to cover additional medical cost. While having medical coverage while working is good, but what will happen when you leave or retired? Your employer will be no longer covering for your medical cost during the retirement age. This is when you will need the most and if you plan to take insurance during your retirement age, be prepared to pay a huge premium amount.

No matter what, insurance is not considered as expenses; instead see it as a way to protects you and your family during your difficult time. For varies insurance protection plans, visit today to get free proposal quote for your insurance need today.

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