100% No medical underwriting life plan 无需体检的人寿 GLG
You’ve worked hard to accumulate assets—properties, stocks, and savings. But did you know that without a proper Distribution Strategy, your wealth could be legally "frozen" the moment you are no longer there to manage it?
The Freeze: In Malaysia, dying without a Will (Intestacy) means your bank accounts and assets are frozen immediately.
The Wait: Your family could face 2 to 5 years of complex legal battles to unlock funds for daily survival.
The Cost: Expensive legal fees and the requirement of two guarantors often drain the estate before it even reaches your loved ones.
We don't just sell policies; we remove these legal hurdles.
Headline: Access the Best Care, Without the Financial Shock. Medical inflation in Malaysia rises faster than your savings. We provide Unlimited Lifetime Limit medical coverage (starting from RM 1 Million annual limit) to ensure you never have to compromise on treatment quality.
Key Feature: 24/7 Hospital Admission Assistance & Emergency Evacuation.
Headline: Keep the Household Running, No Matter What. If the breadwinner stops, the income stops—but the bills don't. We structure Life Insurance as a "Cash Estate" that pays out instantly, clearing debts (mortgages, car loans) so your family inherits assets, not liabilities.
Key Feature: "Debt Cancellation" mechanism.
Headline: Creditor-Proof & Instant Liquidity. Business owners and professionals face unique risks. By structuring your policy as a Section 23 Trust Policy, the payout is:
Creditor Proof: Safe from business bankruptcies or lawsuits.
Instant: Bypasses the lengthy Probate process entirely.
Controlled: You decide how and when the money is used (e.g., monthly education fees vs. a lump sum).
Headline: Your Voice, Even When You Are Silent. Don't let the Distribution Act 1958 decide for you. Whether through our 15-Minute SmartWill DIY (from RM 388) or a comprehensive RHB Trustee Professional Will, we ensure your guardians are appointed and your assets go exactly where you intend.
Key Feature: No sureties required; Professional Executor appointment.
We are your Lifetime Planner. Unlike transient agents, we are a family of four dedicated to this profession—building relationships that span generations.
We don't just recommend products; we are beneficiaries of them. We have seen firsthand how a well-structured plan saved our own family during crises, and we have witnessed the chaos caused by a lack of planning.
Our Credentials:
Associate Registered Financial Planner (ARFP) / MFPC Member
Authorized Agents for Great Eastern Life Malaysia
General insurance support by agency - Great Eastern General, Tokio Marine & Generali
Professional Estate Planners for RHB Trustee Berhad
Our Promise: We are here for the "Long Game"—from your first policy to your child's graduation, and eventually, ensuring your legacy is passed on smoothly.
Ready to secure your peace of mind?
Location 1 : Merchant Square Tropicana, Petaling Jaya.
Location 2 : The Hermington, Kuchai Lama. KL.