~Debt/Loan Cancellation Program~

A solution to CANCEL ALL Your DEBT/LOAN!

Person who need my service:
Individual/company who is serving loan whether it is a hire purchase, mortgage loan, personal loan etc etc
Example of a very common usage of this service is MRTA/MLTA in mortgage loan.


Benefits of this program:
By signing up this program, you are able to CANCEL ALL Your DEBT/LOAN instantly**


The cost of this program:
The program is customize based on your budget and the features you want.

Example: Male, age 28, non smoker

Basic coverage (Good for investor)
RM 500 000 coverage (Death and TPD only)= RM 1575 p.a
RM 500 000 coverage (Death, TPD and Critical Illness)= RM 3135 p.a

or a more balanced and secured but cost saving method

RM 250 000 first payout on Critical Illness and another RM 250 000 payout when death/tpd= RM 2355 p.a
(If death/TPD without Critical Illness, RM 500 000 will be payout!)

#The coverage of the plan above are all "level" meaning that the sum assured is RM 500 000 throughout the term

If your budget is tight, you can get a reducing coverage plan (Good for low budget individual)
RM 500 000 decreasing coverage (Death and TPD only)= RM 1015 p.a
RM 500 000 deacreasing coverage (Death, TPD and Critical Illness)= RM 1735 p.a

If you have extra cash and wish to have " premium back" funtion (Good for individual that need a balanced investment-risk portfolio):
RM 500 000 increasing coverage (Death and TPD only)= RM 8880 p.a
After 30 years, total paid= RM 266 400
YOU GET BACK approx RM 597 886

RM 500 000 increasing coverage (Death, TPD and Critical Illness)= RM 15975 p.a
After 30 years, total paid= RM 479 250
YOU GET BACK approx RM 1 006 345

As you can see, there are various of plan out there.

Of cause, there are many more others features, mix and match that can be done to suit your budget and financial goals!


**T&C APPLYS
How Get This Consultation for FREE?
Call/Text Me @ 012 677 8390

When A Property Is Sold/Transferred

To all my beloved Property Investor!


When A Property Is Sold/Transferred.


All transfers of property attract stamp duty regardless whether the acquirer gives consideration (value in money or kind example by exchange, as gifts from loves one) for the transfer or not.


The Malaysian government at times impose stamp duty exemption for certain property type for a certain period of time so as to encourage housing sale. Currently, no exemption is given.

Stamp duty for transfer of property is chargeable at the following rate:

Up to RM100,000 = 1%
RM100,001 to RM500,000 = 2%
RM500,001 onwards = 3%
So what this implement? 
It means that your next kin (might be parents, spouse, children, relatives) need CASH to transfer your property when you are not belong to this world anymore.

Assuming that you have RM 1 mil worth of property, you need approximate RM 30 000 (simple calculation excluded legal fees etc) just to transfer the property!!!

What happens if your next kin need to bare the monthly loan repayment too?

If you are worried about this, kindly contact me. I will try my best to provide you solutions that will minimize your financial burden and worries.


Financial Pyramid

Recently, I realized that most of us doesn't have a correct, secured and strategy in planning towards financial freedom. So, would like to share the financial pyramid so that we can revise our planning and work towards financial freedom!

The proper path towards financial freedom!
1) First, risk management
2) Wealth accumulation
3) Wealth creation

Estimated Average Cost of Treatment


Are you prepared for it?

What can you do with RM 3 nowadays?

Serious question!

What can you do with RM 3 nowadays?

Nasi lemak+ milo ice?

KFC?

McDonald?

A packet of cigarattes?

You MUST be KIDDING me!

Do you know how much a medical treatment for critical illness cost?

It just cost RM 3/day!



Best worth insurance plan in the market!

Free insurance analysis available! Contact me for assistance!

Facts that you should know EARLIER!

Fact 1: Most of the financial plan nowadays are focusing on protection for NOW only.
Check-> What is your fund value when you retired? Are you able to pay for it at that time?

Fact 2: Most of the saving plan nowadays doesn't covers CRITICAL ILLNESS.
Check-> Does it pay a lump sum when you are diagnosed with CRITICAL ILLNESS?

Fact 3: Most of the people nowadays are not prepared for retirement.
Check-> How much do you have when you retired?

Fact 4: Medical expenses (including treatment, medicine, living expenses etc) are getting more and more expensive.
Check-> What is your annual limit of your medical plan? Who will pay for your living expenses if you diagnosed with CRITICAL ILLNESS?

Here, I would like to provide you a simple solution.


This multipurpose plan
1) Pays when life insured is death, TPD or diagnosed with CRITICAL ILLNESS.
2) Increasing protection "++" to overcome the power of inflation
3) Can served as extra Medical fund
4) If you are healthy, it can serve as Retirement fund too!

The illustration is for 35 years old non smoker male.
<35 years old will enjoy higher coverage
>35 years old will enjoy lower coverage


No Worries=(Protection*Now*Future)+Saving
If you have "Protection for now", but you don't have "Protection for future"-> Little worries, you can use your saving. Not efficient though ;(
If you have "No protection at all" as well as "No savings"-> Will lead you to Terrible Experience

36 Critical Illness

What are the 36 critical illnesses ?


1. AIDS as a result of a blood transfusion 
2. Alzheimer's Disease 
3. Aorta Surgery
4. APALLIC Syndrome
5. Aplastic Anaemia
6. Bacterial Meningitis
7. Benign Brain Tumour 
8. Blindness 
9. Brain Surgery
10. Cancer
11. Chronic Liver Disease
12. Chronic Lung Disease
13. Coma 
14. Coronary Artery Disease Requiring Surgery 
15. Deafness 
16. Encephalitis 
17. Full Blown AIDS 
18. Fulminant Viral Hepatitis 
19. Heart Attack
20. Heart Valve Replacement or Repair
21. Kidney Failure
22. Loss of Limbs
23. Loss of Speech
24. Major Organ Transplant
25. Major Burns
26. Major Head Trauma
27. Motor Neurone Disease
28. Multiple Sclerosis
29. Muscular Dystrophy
30. Other Serious Coronary Artery Disease
31. Paralysis
32. Parkinson's Disease
33. Poliomyelitis
34. Primary Pulmonary Arterial Hypertension
35. Stroke
36. Terminal Illness

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细菌性脑膜炎
7。良性脑瘤
8。失明
9。脑部手术
10。癌症
11。慢性肝病
12。慢性肺病
13。昏睡
14。冠狀动脉疾病手术
15。聋
16。脑炎
17。典型的艾滋病
18。暴发性肝炎
19。心脏病
20。心脏瓣膜修复与替换
21。肾脏病
22。失去双手或双脚
23。哑巴
24。主要器官移植
25。严重烧伤
26。严重头部创伤
27。运动神经元疾病
28。多发性硬化
29。肌营养障碍
30。冠狀动脉疾病
31。瘫痪
32。柏金遜症
33。脊髓灰质炎,小儿麻痹症
34。原发性肺动脉高压综合征
35。中风
36。晚期疾病