Apakah Yang Akan Anda Tinggalkan Untuk Anak-Anak Sekiranya Anda Sudah Tiada?

Kematian adalah perkara yang tidak dapat diramal oleh mana-mana manusia, walau dengan bantuan teknologi paling canggih sekalipun. Namun, setiap yang hidup pasti mati, dan tiada yang boleh kekal abadi di dunia ini. Tidak mengira agama, bangsa atau warna kulit, anda seharusnya membuat persedian untuk kematian. Secara spiritual dan religi, persedian untuk menghadapi kematian sudah tentu bermaksud mendekatkan diri dengan tuhan dan memperbanyakkan amalan kebaikkan. Namun, pernahkah anda terfikir, apa akan terjadi kepada keluarga yang anda tinggalkan setelah anda meninggal dunia?

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Should University Undergrads Get A Life Insurance Or Medical Card?

If you’re a Malaysian university undergrad, or have a family member currently pursuing their tertiary education, you might think this is totally unnecessary. But allow us to change the whole perspective and all you need to do is open your mind and keep on reading!

Before we go further into the Yes or No answer, it would be best to introduce the types of Life Insurance and Medical Cards we’ve in Malaysia. There are hundreds of products available in the market to choose from, segregated into different categories according to its type, demographic target market, and sum covered. So how would you know which one suit you best?

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What Insurance & When Should You Buy One for Your Children?

Insurance is never a bad thing when you are buying it for someone in need, especially if they are dear to you – your children for instance. Here, we lay down some facts and let you decide on why you should consider getting an insurance policy for your children.

Child insurance should provide these basics benefits:

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11 things to know before buying Insurance or Takaful

Although the option to buy insurance online has become popular recently, the plans offered online are very basic and provide little customisation or flexibility to suit your changing personal and financial needs. When you are looking to get insurance or takaful coverage, the first thing that comes to mind will be to get it through a reputable agent. As much as it is convenient to have an agent close to your location or someone you know, you may be missing out on some of the best in the business. If you have been following our series of articles, we have mentioned why working with friends and family may not exactly be the most favoured choice for some while others look at this as an advantage.

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What you need to know about online insurance and takaful plans?

Insurance companies in Malaysia have recently started offering simple, affordable term insurance and takaful plans directly to the customer. These online or direct term plans have become a regulatory requirement making insurance purchases online easily available now as opposed to the traditional channel of an insurance agent.

From our previous articles, we have established that buying an insurance plan traditionally is not a one-step process. There are many red tapes and requirements needed by the insurance providers upon submission. When buying insurance through an agent, you will need to compile many forms and references. After everything has been compiled, there is a waiting period which will be followed by the verification and approval of the insurance company. Contrasting from traditional insurance, buying insurance online can be a fast and easy option to get protection. However, as is the case with purchasing anything online it is important to read through the terms of coverage provided paying specific attention to the exclusions that apply when buying these plans online.

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Three key insurance/takaful plans every Malaysian should buy

Most people are unwary of the importance of insurance/takaful until an unfortunate event takes place. On the other hand, those who already have coverage may not be adequately covered as their disposable income may limit the amount that they can afford. The downfall of having insufficient coverage is that the amount of the protection may not be sufficient to cover the financial needs of your family in the future. On top of that, the amount that is sufficient today may not apply in the next year as financial commitments change over time.

Circumstances of your life may lead you to believe that one need is more important than the other based on the time you purchased an insurance/takaful plan. There is no doubt that our basic needs such as food and our home take priority. However, it is advisable to be equipped with the right type of plan covering the most important aspects of your life as most unfortunate events come without a warning.

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Benefits of signing up with GoInsurans

In 2017, Malaysia’s insurance and takaful coverage penetration stood at 55%. This means that only five out of ten people are covered with a life insurance policy. It is also not surprising that most of the people covered by insurance are based in urban areas such as the Klang Valley. This means there is still a lot of potential for insurance agents to close this gap. The problem is also lack of education and awareness of financial products – life insurance in particular. This is why customers are advised to speak to qualified insurance agents who can first understand their personal financial situation, and then recommend products that will meet these needs in plain and simple language.

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