New Investment-Link Plan From TM Asia Life - I-Protect

i-Protect offers comprehensive protection and investment flexibility that allows you to get extra protection when it is most needed or to take an aggressive investment approach when it is ideal.

Comprehensive Protection When You Need It Most!
i-Protect provides you with death coverage up to age 99 and TPD coverage up to age 64. It also comes with the flexibility for you to adjust your coverage at the next monthly policy.

Enjoy i-Protect At A Very Affordable Entry!
With an affordable entry of RM100 per month, i-Protect caters to fit every budget.

Other Attractive Riders To Enhance Your Protection!
Enhance your i-Protect coverage by including our attractive Investment-Linked riders:


1. Asia Health Partner Excel Rider
2. Hospitalisation Benefit Rider
3. Dread Disease Rider
4. Accident Assurance Rider
5. Waiver of Premium Rider
6. Enhanced Waiver of Premium Rider
7. Waiver of Premium on Dread Disease Rider
8. Waiver of Premium on TPD

Competitive Cost of Insurance
One of the most attractive features of i-Protect – very competitive Cost of Insurance! This means you stand to enjoy longer protection at a lower cost, or a longer premium holiday if you wish to take a break from paying premiums.

Top-ups Or Withdrawals - You Decide
i-Protect offers the flexibility for you to increase your savings via the top-up options or to make partially withdrawal from your account.

Hassle Free Regular Pay-outs Option
When you retire at age 55 or after your policy has been in force for 5 years, whichever is later, you may opt for regular yearly pay-outs from your i-Protect account. With this regular stream of income, you can pre-plan your dream holidays, house renovation or even a shopping spree.

Your choice of funds that suit your risk appetite and the flexibility of switching
You can choose to invest in any of the 4 funds listed below:


1. AsiaPartner Enterprise Fund
2. AsiaPartner Bond Fund
3. AsiaPartner Managed Fund
4. Asia Orient Fund

You are entitled to one free switch in every policy year.

HLA Cash Buider Series

HLA (Hong Leong Assurance) has launched Cash Builder Series. The savings plan with annual guaranteed income starting from the first year towards maturity has been designed to cater your financial needs.

HLA Cash Builder has the saving term of only 6 years or 10years, one of the shortest term any plan could offer in the market. It offers you the shortest savings years with the longest 35years policy term for your needs.

You Build, You Plan, You Decide!

Build : You build your own Yearly Income Stream

Plan : You plan for the protection level & policy term

Decide : You decide the tenure of your premium commitment

You are the Architect for your own Dream!

Great Eastern New Product

Great Eastern Life Assurance (M) Bhd (Great Eastern) launch Smart Protection Series and Smart Investment Series on July 2009.

1] Smart Protection Series
a> provides protection with affordable premiums
b> can attach comprehensive riders to ensure that their loved ones are protected financially should anything unforeseen happen to the policyholder

2] Smart Investment Series focuses on growing customers’ wealth.
a> high allocation rate of 95% to investments right from the first policy year and onwards
b>2% loyalty bonus will be add to premium allocation rate for payment of premium for every 3 policy years.
c> additional 5% allocation rate will be rewarded from 51st policy onward.

The monthly premiums for Smart Protection Series and Smart Investment Series are RM100 and RM500 respectively.

For more information Please kindly log on: http://www.lifeisgreat.com.my/lig4/newlig/smartportfolio/index.htm

TM ASIA LIFE LAUNCHES ASIA JADE - A SINGLE PREMIUM CAPITAL PROTECTED INVESTMENT–LINKED PLAN

Asia Jade is strategically designed and offers a 3.75-year capital protection investment plan with 20% Head Start Coupon and potential Maturity Bonus of 10%, issued by HSBC Bank Malaysia Bhd.

Asia Jade is a close-ended fund that offers life protection insurance and the opportunity to invest into 3 most promising stocks in China. which are ,China Mobile Ltd., China Railway Group Ltd. and China National Offshore Oil Corporation Ltd.TM Asia Life are very optimistic about this fund as it is specially selected to capitalize on the strength of China’s economy and the stimulus package offered by the China government targeting on infrastructure development.

Asia Jade fund requires a minimum investment of RM10,000. With this fund, investors will be assured of 100% capital protected returns upon maturity, which will be in 2013. The life insurance will offer financial protection of up to 125% of basic premium against death and TPD (Total and Permanent Disability).

TM Asia Life Malaysia Bhd., is the first Japanese owned life insurance company in Malaysia following the acquisition of Asia General Holdings by Tokio Marine & Nichido Fire Insurance Co., Ltd., a unit of Japan’s largest insurer, Tokio Marine Holdings, Inc.

HSBC Bank Malaysia is a wholly owned subsidiary of HSBC Holdings Plc, which is one of the largest banking and financial services organizations in the world. HSBC Bank has a credit rating of AAA/P1 by Ratings Agency Malaysia.

Review Your Life Insurance Policy

Have you reviewed your life insurance policy recently? You need to doing so annually for the following reasons:

• Your needs may have changed since you purchased the policy.
o Maybe your income has increased and you need to supplement your
current policy with another one to bring the benefit more in line
with your new income.

• You have changed jobs or careers
o You’ve lost your group coverage.

• Your health may have improved since you purchased your policy.
o If you quit using tobacco, you might be eligible for non-tobacco rates.
o If you’ve lost weight or lowered your cholesterol or blood pressure
(even with medications), you might be in an improved health class,
resulting in lower premiums.

• Your new age might make you eligible for less stringent underwriting
guidelines. At older ages, insurance underwriters expect your blood pressure
and cholesterol to be slightly higher (varies by carrier) and might bump you
up to a better health class.

If your insurance agent doesn’t contact you annually for a policy review, call him/her and tell them you want to review your current policy to see if it still meets your needs. If you need additional coverage, you can either look at adding a new policy to supplement your current one, or in some cases, replace it altogether.

Plan Ahead to Ensure Retirement Income

Advance in the medicine help the people can look forward a longer life.

So if you’re retiring at 55, you may have another 20 to 25 golden years to enjoy.

The quality of life in those extra years will ultimately be determined by how well you

prepare yourself financially. You should therefore have some idea how much you’ll

need for your retirement.

Statistics show the majority of retirees exhaust their EPF retirement funds within 3 years

and employer pension funds are not common in Malaysia.

Do you want a secure future?

Fix the target in your mind (base on the lifestyle you intends to lead during retirement )

start investing for your retirement immediately.

Remember that you are never too young to begin planning for your retirement.

讓金錢為你賺錢

投資就是一個讓金錢為你賺錢的方式，投資可以帶來穩定回酬，不过必须多元化你的資產[很重要]，以便你的組合投資在風險與機會這兩方面可以均衡，而且你不會受到某個財務領域 的打擊。

投资组合：

• 股票

• 債券

• 產業

• 保险

• 信托

1． 如果你應用“平衡貨幣成本”原理，就是每月定期投資，可以看到附加利益，長遠來說，你可能通過定期投資的方式取得更大收益，儘管市場有起有落。

2． 每個月至少儲蓄15%的收入到你的儲蓄賬戶，單位信託或人寿保险户口，以便它可以不斷增值。儘早開始儲蓄計劃，在年紀開始慢慢老去之前，領取累積儲蓄的利益。

3. 保障你的資產，何為保障資產。假如在人生過程中有發生一些变化，壽險是各個階段保障你人生及家人財務的最好的途徑，市場上有很多各類型的保單，有助於保障你的資產。

4. 如果你現在是租房屋，也許是考慮購買本身產業的時候，你每月所付的租金，對你來說是一項開銷，至於每月的分期付款則是投資，是一項可以增值的資產。

“時間”就是“金錢”，

一天只有24小時，這24小時是用來賺取收入、花費、賺額外收入或揮霍，儘早投資，以確保你的資產可以增值，用保單提供保障。金錢為你賺錢的原理是，假如時間獲充份使用，你可以從收入中獲取終生累積儲蓄的利益。

I don't need life insurance because i am healthy!

When come to Life Insurance, many people will always said this " I don't need life insurance because i am healthy!"

Do you heard this before?

Why they have such idea?

Life insurance is for unhealthy people?

How you know when you will become unhealthy?

For me i am 100% not agree with them.
Do you know why?

From this sentence we will know the people who come out this is totally do not understand what is life insurance. For sure he/she do not know how important adequately insured with Life Insurance?

Life insurance is not create for unhealthy people. If it is special create for unhealthy people then all the Doctors & Nurse will be an agent for Life Insurance because many people inside hospital is waiting for the help of Life Insurance. But unfortunately, most of them are fail to apply after their application form summit to Insurance underwriting Department.

Note : Insurance underwriting is the process of choosing who and what the insurance company decides to insure. This is based on a risk assessment.

No body know when you will become unhealthy because we can not control the critical illness to fall in love to us.

Important : Life insurance is not only for you own. The most important of life insurance is, it will be the replacement income for your family,spouse, children etc when you are fail to earn money on golden opportunity (25Years until 55 Years).