PROTECTWITHJEEVS

12/01/2024

🏡 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐌𝐑𝐓𝐀 & 𝐌𝐋𝐓𝐀: 𝐘𝐨𝐮𝐫 𝐆𝐮𝐢𝐝𝐞 𝐭𝐨 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚! 🏡

🔹𝙈𝙍𝙏𝘼 (𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙍𝙚𝙙𝙪𝙘𝙞𝙣𝙜 𝙏𝙚𝙧𝙢 𝘼𝙨𝙨𝙪𝙧𝙖𝙣𝙘𝙚) 🔹
• Protection plan with decreasing sum assured over time.
• Covers your home loan owed to the bank.
• Beneficiary is the bank.
• Usually financed into home loan.

🔸 𝙈𝙇𝙏𝘼 (𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙇𝙚𝙫𝙚𝙡 𝙏𝙚𝙧𝙢 𝘼𝙨𝙨𝙪𝙧𝙖𝙣𝙘𝙚)) 🔸
• Protection plan with a constant sum assured.
• Offers protection plus savings and in some policies returns on the premium.
• Beneficiary can be anyone.
• Usually, it is self-financed with the flexibility to be paid monthly, quarterly, semi-annually, or annually..

Choose wisely and secure your home today! 🏠💖

🏠🔒👨‍👩‍👧‍👦💰

👇 Click the WhatsApp button now to learn more and secure your home’s future!! 👇

25/12/2023

29/04/2023

Why Paying Insurance Premiums on Time Matters?

Insurance policies are contractual agreements, and both parties have certain obligations and responsibilities. The policyholder has the responsibility to pay premiums on time to maintain the policy in force.

The case of Aishah binti Ahmad v AIA Bhd (2015) emphasizes the importance of policyholders ensuring that their insurance policies do not lapse due to non-payment of premiums. The case involved Aishah, who failed to pay her premiums within the grace period, causing her policy to lapse. After her death, her beneficiaries made a claim on the policy, but AIA Bhd refused to pay out the sum assured, citing the lapse of the policy due to non-payment of premiums.

The judge ultimately ruled in favor of AIA Bhd, noting that the grace period provided for in the policy was a concession to the policyholder, and it was the policyholder's responsibility to ensure that premiums were paid on time. If a policyholder fails to pay premiums on time, the policy may lapse, and the insurance company is no longer obligated to pay out any benefits in the event of the policyholder's death or other covered events.

Therefore, it is essential for policyholders to ensure that they keep their insurance policies in force by paying premiums on time. This means setting up automatic payments, keeping track of payment due dates, and contacting the insurance agent or company if there are any problems with payment to ensure that their policies remain in force.

22/04/2023

Let’s celebrate this auspicious occasion with a heart filled with peace, harmony, and joy. Selamat Hari Raya Aidilfitri! - 𝕵𝖊𝖊𝖜𝖆𝖓 𝕾𝖚𝖇𝖗𝖆𝖒𝖆𝖓𝖎𝖆𝖒

08/04/2023

In Malaysia, the distribution of assets according to 𝗙𝗮𝗿𝗮𝗶𝗱 𝗹𝗮𝘄, which is the Islamic law of inheritance, is governed by the 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗔𝗰𝘁 𝟭𝟵𝟱𝟴 (𝗔𝗰𝘁 𝟯𝟱𝟭) and the 𝗜𝘀𝗹𝗮𝗺𝗶𝗰 𝗙𝗮𝗺𝗶𝗹𝘆 𝗟𝗮𝘄 (𝗙𝗲𝗱𝗲𝗿𝗮𝗹 𝗧𝗲𝗿𝗿𝗶𝘁𝗼𝗿𝗶𝗲𝘀) 𝗔𝗰𝘁 𝟭𝟵𝟴𝟰 (𝗔𝗰𝘁 𝟯𝟬𝟯), for Muslims residing in the Federal Territories of Kuala Lumpur, Labuan, and Putrajaya.

𝙃𝙚𝙧𝙚 𝙖𝙧𝙚 𝙨𝙤𝙢𝙚 𝙠𝙚𝙮 𝙥𝙤𝙞𝙣𝙩𝙨 𝙤𝙣 𝙝𝙤𝙬 𝙖𝙨𝙨𝙚𝙩𝙨 𝙖𝙧𝙚 𝙙𝙞𝙨𝙩𝙧𝙞𝙗𝙪𝙩𝙚𝙙 𝙗𝙖𝙨𝙚𝙙 𝙤𝙣 𝙁𝙖𝙧𝙖𝙞𝙙 𝙡𝙖𝙬 𝙞𝙣 𝙈𝙖𝙡𝙖𝙮𝙨𝙞𝙖:

🔶️ Faraid applies only to assets that are considered part of the estate of the deceased, such as property, cash, investments, and other tangible and intangible assets. It does not apply to assets that are not considered part of the estate, such as joint assets with right of survivorship, assets held in trust, or assets with designated beneficiaries.

🔶️ Faraid law divides the estate of the deceased into fixed shares, known as "Faraid portions." The Faraid portions are predetermined shares that are allocated to specific heirs based on their relationship with the deceased.

🔶️ The heirs in Faraid law are categorized into different classes, namely:

𝗖𝗹𝗮𝘀𝘀 𝟭: Parents, spouse(s), and children of the deceased.
𝗖𝗹𝗮𝘀𝘀 𝟮: Grandparents and siblings of the deceased.
𝗖𝗹𝗮𝘀𝘀 𝟯: Uncles and aunts of the deceased.
𝗖𝗹𝗮𝘀𝘀 𝟰: Cousins of the deceased.

🔶️ The distribution of assets under Faraid law starts with the heirs in Class 1. If there are no heirs in Class 1, then the assets are distributed to heirs in Class 2, and so on, in accordance with the predetermined Faraid portions.

𝙏𝙝𝙚 𝙥𝙧𝙚𝙙𝙚𝙩𝙚𝙧𝙢𝙞𝙣𝙚𝙙 𝙁𝙖𝙧𝙖𝙞𝙙 𝙥𝙤𝙧𝙩𝙞𝙤𝙣𝙨 𝙛𝙤𝙧 𝙚𝙖𝙘𝙝 𝙘𝙡𝙖𝙨𝙨 𝙤𝙛 𝙝𝙚𝙞𝙧𝙨 𝙖𝙧𝙚 𝙖𝙨 𝙛𝙤𝙡𝙡𝙤𝙬𝙨:

🅰. 𝗖𝗹𝗮𝘀𝘀 𝟭 🅷🅴🅸🆁🆂:

💫 Spouse(s): 1/2 (for one spouse) or 1/4 each (for more than one spouse) of the estate.
💫 Children: 2/3 of the estate distributed among them equally.

🅱. 𝗖𝗹𝗮𝘀𝘀 𝟮 🅷🅴🅸🆁🆂:

💫 Parents: 1/6 each (if both are alive) or 1/3 each (if only one is alive) of the estate.
💫 Grandparents: 1/6 each (if both are alive) or 1/3 each (if only one is alive) of the estate.
💫 Siblings: Equal share if they are all alive, otherwise the surviving siblings inherit the share of the deceased siblings.

🅲. 𝗖𝗹𝗮𝘀𝘀 𝟯 🅷🅴🅸🆁🆂:

💫 Uncles and aunts: If there are no heirs in Class 1 or Class 2, they will inherit the remaining estate in equal shares.

🅳. 𝗖𝗹𝗮𝘀𝘀 𝟰 🅷🅴🅸🆁🆂:

💫 Cousins: If there are no heirs in Class 1, Class 2, or Class 3, they will inherit the remaining estate in equal shares.

In cases where a deceased person does not have any heirs as per the classes mentioned above, the estate may be transferred to the Baitulmal (Islamic treasury) or charitable organizations, as per Islamic principles.

It's important to note that Faraid law in Malaysia is mandatory for Muslims and is enforced by the Syariah Courts. However, Muslims have the option to write a will (Wasiat) to distribute their assets differently from the Faraid law, subject to certain limitations and conditions under Islamic law. It's advisable to seek legal advice from a qualified Islamic estate planner or lawyer to ensure proper compliance with Faraid law and to understand the specific circumstances of each case, as the rules of Faraid

15/02/2023

𝗜𝗻 𝗠𝗮𝗹𝗮𝘆𝘀𝗶𝗮, 𝘁𝗵𝗲 𝗱𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗼𝗳 𝗶𝗻𝗵𝗲𝗿𝗶𝘁𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝗻𝗼𝗻-𝗠𝘂𝘀𝗹𝗶𝗺𝘀 𝗶𝘀 𝗴𝗼𝘃𝗲𝗿𝗻𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗔𝗰𝘁 𝟭𝟵𝟱𝟴 (As amended in 1997). Under this Act, the rights of non-Muslim women to inherited properties are generally equal to those of men.

When a person passes away, their estate is distributed among their heirs according to the rules of the Act. The estate includes all properties owned by the deceased, such as real estate, vehicles, bank accounts, investments, and other assets.

The Distribution Act sets out the following order of priority for distributing the estate among the deceased's heirs:

💫 The deceased's spouse and children (including adopted children and step-children) will receive a share of the estate.

💫 If there are no surviving spouse or children, the deceased's parents will receive a share.

💫 If there are no surviving spouse, children, or parents, the deceased's siblings will receive a share.

💫 If there are no surviving spouse, children, parents, or siblings, the deceased's grandparents will receive a share.

💫 If there are no surviving heirs in the above categories, the estate will be distributed to the nearest surviving blood relatives.

𝗡𝗼𝗻-𝗠𝘂𝘀𝗹𝗶𝗺 𝘄𝗼𝗺𝗲𝗻 𝗵𝗮𝘃𝗲 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗿𝗶𝗴𝗵𝘁𝘀 𝘁𝗼 𝗶𝗻𝗵𝗲𝗿𝗶𝘁 𝘂𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗔𝗰𝘁 𝗮𝘀 𝗻𝗼𝗻-𝗠𝘂𝘀𝗹𝗶𝗺 𝗺𝗲𝗻. However, it is important to note that these rights may be subject to any specific provisions in the deceased's will or any other relevant legal agreements.

Get in touch with us to discover how you can 𝙨𝙖𝙛𝙚𝙜𝙪𝙖𝙧𝙙 𝙩𝙝𝙚 𝙥𝙧𝙤𝙥𝙚𝙧𝙩𝙮 that you will inherit, whether through a will or by law, that is presently 𝙨𝙪𝙗𝙟𝙚𝙘𝙩 𝙩𝙤 𝙖 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙗𝙮 𝙪𝙨𝙞𝙣𝙜 𝙇𝙞𝙛𝙚 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣𝙨.

WhatsApp: 0122745218
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14/02/2023

𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗲𝘃𝗲𝗻𝘁 𝗼𝗳 𝗮𝗻 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗼𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝗰𝗵𝗮𝗻𝗴𝗲?A buy-sell agreement is a must-have.

Buy-sell agreement funding refers to the methods used to provide the funds necessary for the ex*****on of a buy-sell agreement. These agreements are contracts between business owners that determine what happens to a business in the event that one of the owners dies, becomes disabled, or otherwise leaves the company.

The purpose of buy-sell agreement funding is to ensure that the business can continue to operate smoothly even in the event of unexpected ownership change. Buy-sell agreement funding can be provided through various means, such as;
✔️ Life Insurance policies
✔️ Installment payments
✔️ Personal Savings

𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝗼𝗳𝘁𝗲𝗻 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿𝗲𝗱 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 for buy-sell agreement funding for several reasons:

• 𝙋𝙧𝙚𝙙𝙞𝙘𝙩𝙖𝙗𝙡𝙚 𝙛𝙪𝙣𝙙𝙞𝙣𝙜: Unlike other methods, such as personal savings or installment payments, life insurance provides a predictable source of funding in the event of an owner's death. The death benefit is typically paid out quickly, which allows for a smooth transition of ownership and helps avoid disputes among the remaining owners.

• 𝘾𝙤𝙨𝙩-𝙚𝙛𝙛𝙚𝙘𝙩𝙞𝙫𝙚: Life insurance can be an affordable way to fund a buy-sell agreement, especially compared to the cost of personal savings or installment payments. The premiums are often lower than other types of insurance, and the death benefit is usually tax-free.

• 𝙁𝙡𝙚𝙭𝙞𝙗𝙡𝙚: Life insurance policies can be customized to fit the needs of the business and the owners. For example, policies can be structured to cover a specific amount of the deceased owner's share, or the policy can be owned by the business itself. Life insurance policies can also be used to fund cross-purchase buy-sell agreements or entity-purchase buy-sell agreements.

• 𝙋𝙧𝙤𝙫𝙞𝙙𝙚𝙨 𝙡𝙞𝙦𝙪𝙞𝙙𝙞𝙩𝙮: Because the death benefit is paid in cash, life insurance provides the necessary liquidity to fund a buy-sell agreement.

Want to learn more? Contact us to schedule a consultation and determine the best option for your particular situation.

WhatsApp: 0122745218
➡️ https://bit.ly/protectwithjeevs

13/02/2023

A 𝙠𝙚𝙮𝙢𝙖𝙣 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙥𝙤𝙡𝙞𝙘𝙮 is a life insurance policy taken out by a company to cover the loss of a key employee whose death or disability would have a significant impact on the company's financial stability and profitability.

The company is the policyholder and the key employee is the insured person. In the event of the key employee's death or disability, the company receives a lump sum payment, which can be used to help cover the costs of finding a replacement or to compensate for any loss of income or profits.

If a company fails to protect the key person, it may face several risks, including:

• 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗼𝘀𝘀:The sudden death or disability of a key employee can result in significant financial losses for the company, especially if the key employee is responsible for generating significant revenue or holds critical knowledge and skills.

• 𝗟𝗼𝘀𝘀 𝗼𝗳 𝗺𝗮𝗿𝗸𝗲𝘁 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻: The loss of a key employee can negatively impact the company's reputation, causing customers and clients to lose confidence in the company's ability to deliver its products and services effectively.

• 𝗗𝗲𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗺𝗼𝗿𝗮𝗹𝗲: The loss of a key employee can also affect the morale of the remaining employees, who may feel uncertain about the future of the company.

• 𝗗𝗶𝗳𝗳𝗶𝗰𝘂𝗹𝘁𝘆 𝗶𝗻 𝗳𝗶𝗻𝗱𝗶𝗻𝗴 𝗮 𝗿𝗲𝗽𝗹𝗮𝗰𝗲𝗺𝗲𝗻𝘁: Replacing a key employee can be difficult and time-consuming, especially if the key employee has unique skills and knowledge.

• 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲 𝗶𝗻 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀: The company may need to incur additional expenses to find a replacement, train a new employee, or make changes to its operations.

𝘿𝙤𝙣'𝙩 𝙇𝙚𝙩 𝙩𝙝𝙚 𝙇𝙤𝙨𝙨 𝙤𝙛 𝙖 𝙆𝙚𝙮 𝙀𝙢𝙥𝙡𝙤𝙮𝙚𝙚 𝙏𝙝𝙧𝙚𝙖𝙩𝙚𝙣 𝙔𝙤𝙪𝙧 𝘽𝙪𝙨𝙞𝙣𝙚𝙨𝙨 - 𝘊𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘒𝘦𝘺𝘮𝘢𝘯 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘛𝘰𝘥𝘢𝘺!

WhatsApp to learn more: 0122745218
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01/02/2023

𝗦𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗳𝗼𝗿 𝗖𝗵𝗶𝗹𝗱𝗿𝗲𝗻 𝘄𝗶𝘁𝗵 𝗦𝗽𝗲𝗰𝗶𝗮𝗹 𝗡𝗲𝗲𝗱𝘀: 𝘞𝘩𝘢𝘵 𝘊𝘢𝘯 𝘗𝘢𝘳𝘦𝘯𝘵𝘴 𝘋𝘰?

Parents worry about their children's future, but those with special needs children face added financial worries. Here are steps to secure their financial stability.

𝟭. 𝗦𝗮𝘃𝗲 𝗮𝗻𝗱 𝗛𝗮𝘃𝗲 𝗔𝗱𝗲𝗾𝘂𝗮𝘁𝗲 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:
Parents of children with disabilities may primarily consider private health insurance, which can provide more comprehensive coverage and flexibility. For children with certain disabilities, health insurance options may be restricted. In such circumstances, a life insurance policy with a savings component can prove beneficial for covering unforeseen medical expenses or future needs, particularly after the passing of both parents.

𝟮. 𝗪𝗿𝗶𝘁𝗲 𝗮 𝗪𝗶𝗹𝗹
A Last Will and Testament outlines the distribution of your assets after your death. By having a will, you can ensure that your assets are directed towards a special needs trust, rather than directly to your child. Additionally, a will allows you to appoint a guardian for your child.

𝟯. 𝗘𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵 𝗮 𝗦𝗽𝗲𝗰𝗶𝗮𝗹 𝗡𝗲𝗲𝗱𝘀 𝗧𝗿𝘂𝘀𝘁.
A Special Needs Trust is a crucial aspect of your child's long-term financial planning. This trust can hold funds saved by you, gifts received by your child, and any insurance settlement proceeds.

𝟰. 𝗔𝗽𝗽𝗼𝗶𝗻𝘁 𝗮 𝗧𝗿𝘂𝘀𝘁𝗲𝗲
A Trustee is an individual who will be in charge of overseeing the Special Needs Trust Fund after your passing. This person can be a relative, friend, professional trustee, or attorney. The Trustee is responsible for ensuring that the funds in the trust are used solely for your child and for the services specified or necessary for your child's needs.

𝟱. 𝗗𝗲𝘀𝗶𝗴𝗻𝗮𝘁𝗲 𝗮 𝗚𝘂𝗮𝗿𝗱𝗶𝗮𝗻/𝗖𝗮𝗿𝗲𝘁𝗮𝗸𝗲𝗿
A guardian or caretaker is an individual who will be responsible for your child's well-being in the event of your premature death. When selecting a guardian or carer, consider someone who will be suitable for fulfilling the day-to-day responsibilities of raising your child.

28/01/2023

"𝙄𝙢𝙥𝙖𝙘𝙩 𝙤𝙛 𝘿𝙚𝙖𝙩𝙝 𝙤𝙣 𝙖 𝙎𝙤𝙡𝙚 𝙋𝙧𝙤𝙥𝙧𝙞𝙚𝙩𝙤𝙧'𝙨 𝘽𝙖𝙣𝙠 𝘼𝙘𝙘𝙤𝙪𝙣𝙩"

In Malaysia, if the owner of a sole proprietorship business passes away with debt, the legal consequences will be that the debts of the business will become the responsibility of the deceased owner's estate.

The assets of the estate will be used to pay off the debt, and if the assets are not sufficient to pay off the debt, the creditors may make a claim against the assets of the estate.

As such, 𝘁𝗵𝗲 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗼𝗳 𝗮 𝘀𝗼𝗹𝗲 𝗽𝗿𝗼𝗽𝗿𝗶𝗲𝘁𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗮𝗻 𝗯𝗲 𝗳𝗿𝗼𝘇𝗲𝗻.This is because a sole proprietorship is considered a non-separate legal entity from the owner, meaning that the owner's assets and liabilities are not separate from the business's assets and liabilities.

Therefore, if the owner has outstanding debts, the creditors can seek to collect on those debts by freezing the owner's bank account; 𝗶𝗻𝗰𝗹𝘂𝗱𝗶𝗻𝗴 𝗷𝗼𝗶𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 and any accounts associated with the business.

𝗢𝗻𝗲 𝘄𝗮𝘆 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝗮 𝘀𝗼𝗹𝗲 𝗽𝗿𝗼𝗽𝗿𝗶𝗲𝘁𝗼𝗿𝘀𝗵𝗶𝗽 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 from the financial burden of debt in the event of the owner's death is to 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗮 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗼𝗹𝗶𝗰𝘆.

A life insurance policy can provide financial protection for the business by paying out a death benefit to the beneficiaries of the policy, which can be used to pay off the business's debts and cover any other expenses that may arise. This can help ensure that the business can continue to operate and that the family of the deceased owner is not left with the financial burden of paying off the business's debts.

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25/01/2023

"𝗦𝗲𝗰𝘂𝗿𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗙𝗮𝗺𝗶𝗹𝘆'𝘀 𝗙𝘂𝘁𝘂𝗿𝗲: 𝘾𝙖𝙣𝙘𝙚𝙧 𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙋𝙡𝙖𝙣"

A cancer diagnosis can be a difficult and stressful situation for you and your loved ones. Finding the best treatment is crucial, but it can also come with high expenses.

Most of the time cancer patients suffered from financial catastrophe within a year after diagnosis.

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𝗧𝗵𝗲 𝗖𝗮𝗻𝗰𝗲𝗿 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗣𝗹𝗮𝗻 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝘀:

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With low annual premiums starting at just RM400, you can regain your peace of mind without causing financial strain.
(𝙱𝚊𝚜𝚎𝚍 𝚘𝚗 𝚊𝚐𝚎 𝚗𝚎𝚡𝚝 𝚋𝚒𝚛𝚝𝚑𝚍𝚊𝚢 𝟷 𝚝𝚘 𝟸𝟶, 𝚖𝚊𝚕𝚎, 𝚁𝙼𝟸𝟻𝟶,𝟶𝟶𝟶 𝚜𝚞𝚖 𝚊𝚜𝚜𝚞𝚛𝚎𝚍)

🔶️ 𝙀𝘼𝙎𝙔 𝙀𝙉𝙍𝙊𝙇𝙈𝙀𝙉𝙏
Simple underwriting questions that are specific to cancer risks only.

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