Insurance planning

insurance planning2

‘Life Insurance’
A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.

Why ‘Life Insurance’
The goal of life insurance is to provide a measure of financial security for your family after you passed away. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.

In LPA, we help you to identify your life insurance needs, and the right policies to protect you and your family adequately against life major hazards, such as:
>Premature death
>Total and permanent disability
>Critical Illness
>Hospitalisation

Income Protection

Income Protection is designed to cover you & your family if you are unable to work due to injury or illness or death, so that you and your family able to maintain your day-to-day living expenses. Nobody is going to help you to pay for the car installment, house installment, investment installment, household expenses, children expenses during you’re temporarily or permanently loss of income. Having adequate life, illness and personal accident protection will relieve you and your family from the financial duress that comes with meeting a misfortune.

Ask our professional adviser to cater the plan best suit you.
Medical and Hospitalisation A hospitalisation insurance plan providing coverage for hospital confinement due to illness, accidents, intensive  care of convalescence. In Malaysia, most people choose to have a medical and hospitalisation insurance for a better care in private medical centre when they can afford the premium. Most people experience the good service, good care, and professional attention from Private Hospital, thus hospitalisation insurance become a needs in Malaysian.

Ask our professional advisor to cater the hospitalisation plan best suit you.
Children Education Funding As a parent, Education is the best gift for our children. Your child’s education and future is in your hand, start building your child’s education fund today and unlock the door to a brighter future for your child.
Retirement Planning The goal in retirement planning is to achieve Financial Independence. We would like to assist client to achieve financial independence prior to their retirement age.