Life Protection
Protect your loved ones’ future from life’s uncertainties.
PARENTING CHANGES EVERYTHING.
Welcome to the most wonderful time of your life.
There’s nothing like holding a newborn in your hands. Hope. Wonder. Potential. Innocence. All wrapped in one tiny bundle. Taking care of a child is an awesome responsibility. Let us help make the journey a memorable one.
TIPS AND ADVICE
GIVE YOUR CHILDREN A GREAT HEADSTART
Even the most boring subject can be fun when it is taught in an interesting way. You just have to see things the way children see things – which, of course, is easier said than done! Give your children a great headstart with the right education. While you are putting together a savings portfolio for their future, here are some costs you may want to consider.
estimated tuition fees per course at
Malaysian private universities
business
RM33,000-
RM45,000
3 years
engineering
RM50,000-
RM60,000
3 years
information technology
RM35,000-
RM50,000
3 years
hospitality & tourism
RM35,000-
RM60,000
3 years
pharmacy
RM100,000-
RM140,000
3 years
Note: All figures are estimates and serves only as a guideline
Source: StudyMalaysia Research Term & Study in Malaysia Handbook (7th International Edition)
https://studymalaysia.com/international/why-study-in-malaysia/cost-of-studying-and-living-in-malaysia
BE PREPARED FOR RAINY DAYS
As parents, you want the best for your kids. While you can’t always physically be with them, you can help make sure they’re adequately protected wherever they go. It’s important to have savings put aside for the rainy days and a solid medical plan so your little ones can access the medical treatment they need should they fall ill. You should also be aware that with inflation, medical costs will increase over time.
Malaysian Medical cost inflation reported at 12% per anum
Medical treatment for kidney failure
Current Cost
Cost in 20 years
Medical-treatment for cancer
Current Cost
Cost in 20 years
(it serves only as a guide to healthcare costs from government as well as private hospitals. Conservative assumption: Healthcare infalation of 10% a year)
* Source: http://www.towerswatson.com/en/Insights/IC-Types/Survey-Research-Results/2014/05/2014-global-medical-trends-survey-report
Source: http://www.thestar.com.my/business/business-news/2015/10/04/planning-for-healthcare-costs-in-retirement/?style=biz
HELP YOUR CHILDREN DISCOVER THEIR POTENTIAL
Childhood is a time of adventure and discovery. And you only get to experience it once. Give your children memories to treasure.
It’s no secret that little ones follow what their parents do, rather than what they say. Spend time with them. Be their friend, be their teacher, be their coach and cheerleader, in good times and especially in bad times.
5 WAYS TO CREATE QUALITY TIME WITH CHILDREN
Help with their homework
Make sure your praises far exceed your criticisms
Put away devices during meal times
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Be interested in their hobbies
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Do household chores together
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LIFE PROTECTION
Protect your child from infancy into adulthood with a limited payment term.
Savings and Investment
Build your child's education fund, and make sure he or she is insured along the way.
MEDICAL PROTECTION
Give your child the gift of comprehensive medical coverage that lasts a lifetime.