28/01/2025
Get protected within your budget with a range of products tailored to meet your changing needs. Even if you have health issues that previously rendered you UNINSURABLE, you CAN apply now with our GUARANTEED ACCEPTANCE plans!
DM or WhatsApp for a quick consult now.
Sasi Rekha Ravi
PCIEA, CEILLI, CLPM & Certified Financial Needs Consultant
Life & financial needs consultant for you & your family
02/12/2024
๐ต๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐ ๐ต
Think about it - investment properties have ๐ ๐ฅ๐จ๐ญ ๐จ๐ ๐๐๐ง๐๐๐ข๐ญ๐ฌ: the capital appreciation, rental income & leaving it as a heritage for the next generation.
However, some ๐จ๐๐ฌ๐ญ๐๐๐ฅ๐๐ฌ ๐ญ๐จ ๐จ๐ฏ๐๐ซ๐๐จ๐ฆ๐ ๐๐ญ ๐๐ฏ๐๐ซ๐ฒ ๐ฌ๐ญ๐๐ ๐ are: saving up for the down payment ๐ฐ๐ฐ, qualifying for the loan ๐ฆ๐โณ, maintenance of the investment property ๐ง๐ ๐ต, taxes ๐ ๐ฐ๐จโโ๏ธ, ensuring it gets rented out ๐จโ๐ฉโ๐งโ๐ฆ๐ต, etc.
This is where the concept of โ๐๐ข๐ช๐ฎ๐ข๐ ๐๐ซ๐จ๐ฉ๐๐ซ๐ญ๐ฒโ comes into play, which has the following benefits:
1. You do not need to come up with any down payment. โ๐ฐ
2. No need to go through a tedious process of loan application. โ๐ฆโณ
3. No interest is charged on your monthly instalments. Instead, you ๐๐๐ง๐ฃ ๐๐ฃ๐ฉ๐๐ง๐๐จ๐ฉ ๐ค๐ฃ ๐ฎ๐ค๐ช๐ง ๐ฅ๐๐ฎ๐ข๐๐ฃ๐ฉ๐จ. ๐๐ตโ
4. The future value of the property is always 3 to 4 times of your total contributions, and it is guaranteed upon approval ๐ฐ๐ =๐ฐ๐ฐ๐ฐ๐ฐ๐ (Capital Appreciation is guaranteed โ
๐)
5. No need to pay annual land taxes. โ๐ ๐ฐ๐จโโ๏ธ
6. No need to pay any maintenance for the property for life. โ๐ง๐ ๐ต
7. No liquidity hassle as the value of property is paid out within 2-3 weeks to your next of kin upon death. โ๐ฐ๐ฐ๐ =๐ฐ๐
8. No hassle of looking for a buyer to purchase property upon death. โ๐จโ๐ฉโ๐งโ๐ฆ
9. No property gains tax incurred at any given point of time by your next of kin. โ๐ ๐ฐ๐
10. Not claimable by creditors to settle other outstanding debts. โ๐ ๐ฐ๐จโโ
๐๐๐๐จ๐ ๐๐๐ฃ๐๐๐๐ฉ๐จ ๐ค๐ โ๐๐๐ฆ๐ช๐๐ ๐๐ง๐ค๐ฅ๐๐ง๐ฉ๐ฎโ ๐๐ง๐ ๐ช๐จ๐๐ ๐๐ฎ ๐ฉ๐๐ ๐ฌ๐๐๐ก๐ฉ๐๐ฎ ๐๐๐ข๐๐ก๐๐๐จ ๐๐ฃ ๐๐ค๐ข๐๐๐ฃ๐๐ฉ๐๐ค๐ฃ ๐ฌ๐๐ฉ๐ ๐๐๐ฎ๐จ๐๐๐๐ก ๐๐ง๐ค๐ฅ๐๐ง๐ฉ๐ฎ. ๐๐ ๐ฎ๐ค๐ช ๐๐๐ซ๐๐ฃโ๐ฉ ๐๐ค๐ฉ ๐๐ฃ ๐๐ญ๐ฅ๐ค๐จ๐ช๐ง๐ ๐ค๐ ๐ฎ๐ค๐ช๐ง ๐๐จ๐จ๐๐ฉ๐จ ๐๐ฃ๐ฉ๐ค โ๐๐๐ฆ๐ช๐๐ ๐๐ง๐ค๐ฅ๐๐ง๐ฉ๐ฎโ, ๐ฎ๐ค๐ช ๐๐ง๐ ๐๐ญ๐ฅ๐ค๐จ๐๐ ๐ฉ๐ค ๐ข๐๐ฃ๐ฎ ๐ก๐๐ฆ๐ช๐๐๐๐ฉ๐ฎ ๐ง๐๐จ๐ ๐จ - ๐จ๐ค๐ข๐๐๐๐ฎ, ๐จ๐ค๐ข๐๐ค๐ฃ๐ ๐ข๐๐ฎ ๐๐ช๐ฎ ๐๐๐๐ ๐ฅ๐๐ฎ๐จ๐๐๐๐ก ๐ฅ๐ง๐ค๐ฅ๐๐ง๐ฉ๐ฎ ๐๐ฉ ๐ ๐๐๐จ๐๐ค๐ช๐ฃ๐ฉ.
โ๏ธโ๏ธSpeak to your trusted financial advisor about โLiquid Propertyโ today. ๐ โ๏ธโ๏ธ
27/11/2024
๐ฏ๐ฃ ๐๐๐ฆ๐ง ๐ฎ ๐๐๐ฌ๐ฆ ๐ฃ๐ฅ๐ข๐ ๐ข ๐ข๐ฏ
๐ ๐๐๐ฏ๐ข๐ง๐ ๐ฌ ๐๐จ๐จ๐ฌ๐ญ๐๐ซ ๐ฒ
๐ ๐๐๐ซ๐ฅ๐ฒ ๐๐ข๐ซ๐ ๐๐๐ฆ๐ฉ๐๐ข๐ ๐ง (until 28 Nov 2024)
๐ฏ ๐๐๐ฒ ๐๐จ๐ซ ๐ ๐ฒ๐๐๐ซ๐ฌ ๐จ๐ง๐ฅ๐ฒ!
๐ฏ ๐๐.๐% ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ฌ๐ก ๐๐๐๐ค on Savings Booster premium every year for 20 years (250%)
๐ฏ ๐๐๐๐๐๐๐๐๐๐ ๐.๐% ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ฌ๐ก ๐๐๐๐ค on savings booster premium for the 1st year (๐ฌ๐ข๐ ๐ง ๐ฎ๐ฉ ๐๐๐๐จ๐ซ๐ ๐๐ ๐๐จ๐ฏ ๐๐๐๐)
๐ฏ ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ญ๐ฎ๐ซ๐ข๐ญ๐ฒ ๐๐๐ง๐๐๐ข๐ญ: ๐๐๐% of Savings Booster's Annual Premium on 20th year
๐ฏ ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ญ๐ฎ๐ซ๐ข๐ญ๐ฒ ๐๐๐ง๐๐๐ข๐ญ: ๐๐๐% of Basic Plan's Annual Premium on 30th year
๐ฒ๐ฒ๐ฒ๐ฐ๐ฐ๐ฐ๐ฐ๐ต๐ต๐ต๐ต
Sign up before 28th November 2024 to enjoy the ๐๐๐๐๐๐๐๐๐๐ ๐.๐% ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ฌ๐ก ๐๐๐๐ค for the first year on top of the ๐๐.๐% ๐๐ฎ๐๐ซ๐๐ง๐ญ๐๐๐ ๐๐๐ฌ๐ก ๐๐๐๐ค on Savings Booster premium every year for 20 years.
๐๐๐๐๐ ๐ค๐ช๐ฉ ๐ฉ๐ค ๐ข๐ ๐ฉ๐ค ๐๐๐จ๐๐ช๐จ๐จ ๐๐ค๐ฌ ๐ฉ๐ค ๐ข๐๐ญ๐๐ข๐๐จ๐ ๐ฎ๐ค๐ช๐ง ๐จ๐๐ซ๐๐ฃ๐๐จ ๐ฌ๐๐ฉ๐ ๐ฅ๐ง๐ค๐ฉ๐๐๐ฉ๐๐ค๐ฃ!
๐ฉโ๐ผ Sasi Rekha Ravi (Rekha)
โ๏ธ +6012-5117764
๐ https://wa.me/message/34EWE64O523SB1
25/06/2024
๐๐ก๐ฒ ๐๐จ ๐๐ ๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐?
What are the basics necessities of life? ๐ค Food, clothing and shelter right?
All of the above are in fact based on only one variable -> โINCOMEโ. Think about it! Your income decides the type of food you eat. Your income decides what kind of clothes you wear. Your income decides what kind of house you live in. This is your lifestyle.
Now, there are two ways to get INCOME - either YOU WORK or SOMEBODY ELSE WORKS and provides for you.
As of now, youโre working to provide food, clothing and shelter. Unfortunately, if something were to happen to you, somebody needs to immediately take over this responsibility for your family. This is exactly how income protection works. If you are ๐ช๐ฃ๐๐๐ก๐ ๐ฉ๐ค ๐ฌ๐ค๐ง๐ , the ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ ๐๐ค๐ข๐ฅ๐๐ฃ๐ฎ ๐ฌ๐๐ก๐ก ๐๐ค๐ข๐ฅ๐๐ฃ๐จ๐๐ฉ๐ ๐ฎ๐ค๐ช ๐๐ค๐ง ๐ฎ๐ค๐ช๐ง ๐ก๐ค๐จ๐จ ๐ค๐ ๐๐ฃ๐๐ค๐ข๐.
There are many income protection products in the market, so speak to a financial advisor to understand which one caters more to your current financial needs. ๐๐ป
๐ฑ๐๐๐ฅ๐ฅ / ๐๐ก๐๐ญ๐ฌ๐๐ฉ๐ฉ (+6012-5117764) and let's discuss further.
19/05/2023
We believe in making customers' claims process as easy and hassle-free as possible to ensure we are steadfast in delivering the best services to our valuable Zurich customers attentively. In April 2023, approximately RM30.3 million worth of claims were paid to Zurich customers, which constitutes 27% of the total claims paid between January and April 2023.
Total claims paid out from January to April 2023 (RM111.6 million) has already reached 40% of the total claims paid from January to December 2022 (RM277.1 million).
Our excellent financial strength ensures the strong continuity of our business to help our customers to reach their full potential for tomorrow.
Despite being one of the smallest insurance companies in terms of agents and number of policies issued, we walk the talk. We protect you.*
*As long as your policy remains in-force and has not lapsed due to non-payment.
10/05/2023
๐ต๐ฆ ๐ ๐ฅ๐ง๐ ๐๐ ๐ ๐๐ง๐: ๐๐ฒ๐๐ฎ๐ถ๐น๐ฒ๐ฑ ๐๐ฟ๐ฒ๐ฎ๐ธ๐ฑ๐ผ๐๐ป ๐ฆ๐ต
Last week, I shared the key differences between the two types of mortgage loans.
Quite a few of you reached out to me to find out more. This graphic provides an in-depth analysis of both types of loans.
In short...
๐ ๐๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐๐๐๐ฎ๐๐ข๐ง๐ ๐๐๐ซ๐ฆ ๐๐ฌ๐ฌ๐ฎ๐ซ๐๐ง๐๐ (๐๐๐๐) ๐is suitable for those who have sufficient medical and life insurance coverage, and don't have much dependents as the beneficiary of this plan is the bank. Insurance will pay the bank loan and the dependents will receive the home - no cash value or savings.
๐๐๐ฎ๐ซ๐ข๐๐ก'๐ฌ ๐๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐๐๐ฏ๐๐ฅ ๐๐๐ซ๐ฆ ๐๐ฌ๐ฌ๐ฎ๐ซ๐๐ง๐๐ (๐๐๐๐) โ
๐ is suitable for those who have dependents, plan to refinance or upgrade their home, have liabilities or want to leave more savings behind for loved ones.
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Let's discuss your life, medical, critical illness, disability, debt cancellation, retirement and education planning needs.
๐ฒ Call or Whatsapp Rekha @ +6012-511 7764 today!
Click to Whatsapp: https://wa.me/message/QZAXKWL5AYAPK1
07/05/2023
Your investment-linked (IL) insurance policy or takaful certificate is tied to the performance of your investment fund(s). Hereโs what you need to know about Sustainability and Investment-Linked Policy.
๐ฐ๐ ๐๐ฎ๐ฐ๐๐ผ๐ฟ๐ ๐ฅ๐ฒ๐ฑ๐๐ฐ๐ถ๐ป๐ด ๐๐๐ป๐ฑ ๐ฉ๐ฎ๐น๐๐ฒ & ๐ฆ๐๐๐๐ฎ๐ถ๐ป๐ฎ๐ฏ๐ถ๐น๐ถ๐๐ ๐ผ๐ณ ๐ฃ๐ผ๐น๐ถ๐ฐ๐
1. Higher insurance charges as you age
2. Low starting premium -> slow growth of IL fund value
3. Poor investment returns
4. Skipping premium payments
5. Withdrawing $$ from investment account
6. Increase in fees & charges (revision based on inflation, etc.)
7. Increasing coverage without increasing premium
๐ฐ๐ ๐ช๐ฎ๐๐ ๐๐ผ ๐๐บ๐ฝ๐ฟ๐ผ๐๐ฒ ๐๐๐ป๐ฑ ๐ฉ๐ฎ๐น๐๐ฒ & ๐๐ป๐๐๐ฟ๐ฒ ๐ฆ๐๐๐๐ฎ๐ถ๐ป๐ฎ๐ฏ๐ถ๐น๐ถ๐๐ ๐ผ๐ณ ๐ฃ๐ผ๐น๐ถ๐ฐ๐
โ
๏ธ Increase regular top-up premiums
โ
๏ธ Review coverage & benefits and reduce something (๐ต๐ฐ ๐ณ๐ฆ๐ฅ๐ถ๐ค๐ฆ ๐ช๐ฏ๐ด๐ถ๐ณ๐ข๐ฏ๐ค๐ฆ ๐ค๐ฉ๐ข๐ณ๐จ๐ฆ๐ด)
โ
๏ธ Review if auto-extension to 100 years suits yours needs (๐ต๐ฐ ๐ณ๐ฆ๐ฅ๐ถ๐ค๐ฆ ๐ช๐ฏ๐ด๐ถ๐ณ๐ข๐ฏ๐ค๐ฆ ๐ค๐ฉ๐ข๐ณ๐จ๐ฆ๐ด)
โ
๏ธ Make a single premium lumpsum top-up
โ
๏ธ Review the target suitability term that suits your needs (๐ฆ.๐จ. ๐ณ๐ฆ๐ฅ๐ถ๐ค๐ฆ ๐ง๐ณ๐ฐ๐ฎ 100 ๐ต๐ฐ 80, ๐ฐ๐ณ 80 ๐ต๐ฐ 70, ๐ฆ๐ต๐ค.)
โ
๏ธ Review the policy & increase the premium as your income grows
For more information, visit: https://www.zurich.com.my/en/customer-hub/show-me-more-info/sustainability-of-il-plans
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Let's discuss your life, medical, critical illness, disability, debt cancellation, retirement and education planning needs.
๐ฒ Call or Whatsapp Rekha @ +6012-511 7764 today!
Click to Whatsapp: https://wa.me/message/QZAXKWL5AYAPK1
06/05/2023
๐๐ช๐ง ๐ฅ๐๐ง๐๐ฃ๐ฉ๐จ ๐๐๐ซ๐ ๐ฌ๐ค๐ง๐ ๐๐ ๐ฉ๐๐๐๐ง ๐๐๐ง๐๐๐จ๐ฉ ๐ฉ๐ค ๐๐๐ซ๐ ๐ช๐จ ๐ฉ๐๐ ๐๐๐จ๐ฉ ๐ก๐๐๐ ๐ฅ๐ค๐จ๐จ๐๐๐ก๐. Why not treat them to a gift that will keep on giving? Protect their wealth and secure the future with a life protection plan, whether you are purchasing for your parents, yourself, your family or your child.
From now until 29 May 2023, sign up for any of our selected products and get a cash reward of up to RM500!
For more information, check out our campaign details via zurich.com.my/mysuperhero-campaign. Terms and conditions apply.
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Let's discuss your life, medical, critical illness, disability, debt cancellation, retirement and education planning needs.
๐ฒ Call or Whatsapp Rekha @ +6012-511 7764 today!
Click to Whatsapp: https://wa.me/message/QZAXKWL5AYAPK1
02/05/2023
๐ต๐ฆ ๐ ๐ผ๐ฟ๐๐ด๐ฎ๐ด๐ฒ ๐๐ผ๐ฎ๐ป ๐ข๐๐ฒ๐ฟ๐๐ถ๐ฒ๐: ๐ ๐ฅ๐ง๐ ๐๐ ๐ ๐๐ง๐ ๐ฆ๐ต
Oftentimes, first-time homeowners (or even second-time owners) don't know about the ๐ฅ๐ช๐ง๐ง๐ฆ๐ณ๐ฆ๐ฏ๐ต ๐ต๐บ๐ฑ๐ฆ๐ด ๐ฐ๐ง ๐ฎ๐ฐ๐ณ๐ต๐จ๐ข๐จ๐ฆ ๐ญ๐ฐ๐ข๐ฏ๐ด ๐ข๐ท๐ข๐ช๐ญ๐ข๐ฃ๐ญ๐ฆ, or the ๐ฅ๐ช๐ง๐ง๐ฆ๐ณ๐ฆ๐ฏ๐ค๐ฆ ๐ฃ๐ฆ๐ต๐ธ๐ฆ๐ฆ๐ฏ ๐ต๐ฉ๐ฆ ๐ต๐ธ๐ฐ.
Let's look at some key differences between the two:
๐ ๐๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐๐๐๐ฎ๐๐ข๐ง๐ ๐๐๐ซ๐ฆ ๐๐ฌ๐ฌ๐ฎ๐ซ๐๐ง๐๐ (๐๐๐๐) ๐
1๏ธโฃ The ๐จ๐ช๐ข ๐๐จ๐จ๐ช๐ง๐๐ (๐๐ค๐ซ๐๐ง๐๐๐) ๐ง๐๐๐ช๐๐๐จ ๐ค๐ซ๐๐ง ๐ฉ๐๐ข๐ and becomes zero at the end of the policy. In some situations, the sum assured will not be sufficient to pay off the loan balance in the event of death or disability
(๐ฆ.๐จ. ๐ธ๐ฉ๐ฆ๐ฏ ๐ต๐ฉ๐ฆ ๐ญ๐ฐ๐ข๐ฏ ๐ช๐ฏ๐ต๐ฆ๐ณ๐ฆ๐ด๐ต ๐ณ๐ข๐ต๐ฆ ๐จ๐ฐ๐ฆ๐ด ๐ถ๐ฑ ๐ค๐ฐ๐ฎ๐ฑ๐ข๐ณ๐ฆ๐ฅ ๐ต๐ฐ ๐ช๐ฏ๐ช๐ต๐ช๐ข๐ญ ๐ณ๐ข๐ต๐ฆ, ๐ธ๐ฉ๐ฆ๐ฏ ๐ช๐ฏ๐ด๐ถ๐ณ๐ฆ๐ฅ ๐ต๐ข๐ฌ๐ฆ๐ด ๐ถ๐ฑ ๐ฎ๐ฐ๐ณ๐ข๐ต๐ฐ๐ณ๐ช๐ถ๐ฎ ๐ฐ๐ง๐ง๐ฆ๐ณ๐ฆ๐ฅ ๐ฅ๐ถ๐ณ๐ช๐ฏ๐จ ๐๐ฐ๐ท๐ช๐ฅ-19 ๐ฑ๐ข๐ฏ๐ฅ๐ฆ๐ฎ๐ช๐ค ๐ธ๐ฉ๐ช๐ค๐ฉ ๐ช๐ฏ๐ค๐ณ๐ฆ๐ข๐ด๐ฆ๐ด ๐ช๐ฏ๐ต๐ฆ๐ณ๐ฆ๐ด๐ต ๐ข๐ค๐ค๐ณ๐ถ๐ฆ๐ฅ ๐ฐ๐ฏ ๐ต๐ฉ๐ฆ ๐ญ๐ฐ๐ข๐ฏ ๐ข๐ฏ๐ฅ ๐ฅ๐ฐ๐ฆ๐ด ๐ฏ๐ฐ๐ต ๐ณ๐ฆ๐ฅ๐ถ๐ค๐ฆ ๐ญ๐ฐ๐ข๐ฏ ๐ข๐ฎ๐ฐ๐ถ๐ฏ๐ต, ๐ฆ๐ต๐ค.)
2๏ธโฃ There is ๐ฃ๐ค ๐๐๐จ๐ ๐๐๐๐ ๐ค๐ง ๐จ๐๐ซ๐๐ฃ๐๐จ from this type of policy. Insured might get surrender value policy if cancelled after some years.
3๏ธโฃ ๐๐ค๐ก๐๐๐ฎ ๐๐จ ๐ฃ๐ค๐ฃ-๐ฉ๐ง๐๐ฃ๐จ๐๐๐ง๐๐๐ก๐. If insured refinances the existing property or sells the property to upgrade to a new home, the MRTA will lapse and a new mortgage loan has to be purchased.
๐๐๐ฎ๐ซ๐ข๐๐ก'๐ฌ ๐๐จ๐ซ๐ญ๐ ๐๐ ๐ ๐๐๐ฏ๐๐ฅ ๐๐๐ซ๐ฆ ๐๐ฌ๐ฌ๐ฎ๐ซ๐๐ง๐๐ (๐๐๐๐) โ
๐
1๏ธโฃ๐๐ช๐ข ๐๐จ๐จ๐ช๐ง๐๐ (๐๐ค๐ซ๐๐ง๐๐๐) ๐๐จ ๐ก๐๐ซ๐๐ก ๐ฉ๐๐ง๐ค๐ช๐๐๐ค๐ช๐ฉ ๐ฅ๐ค๐ก๐๐๐ฎ ๐ฉ๐๐ง๐ข. Whether it's the 1st or 10th year, the agreed sum assured will be paid out in the event of death, disability and/or 50 critical illnesses.
2๏ธโฃ๐๐๐จ ๐๐๐จ๐ ๐ซ๐๐ก๐ช๐ (investment-linked) ๐ผ๐๐ฟ ๐จ๐๐ซ๐๐ฃ๐๐จ (after paying off the loan balance)
3๏ธโฃ๐๐ค๐ก๐๐๐ฎ ๐๐๐ฃ ๐๐ ๐ฉ๐ง๐๐ฃ๐จ๐๐๐ง๐ง๐๐ to a refinanced loan, a new property, any other asset, or for any debt cancellation. No need to purchase a new mortgage loan other than
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Let's discuss your life, medical, critical illness, disability, debt cancellation, retirement and education planning needs.
๐ฒ Call or Whatsapp Rekha @ +6012-511 7764 today!
Click to Whatsapp: https://wa.me/message/QZAXKWL5AYAPK1
21/04/2023
The celebration of ๐๐ถ๐ฑ ๐ฎ๐น-๐๐ถ๐๐ฟ is a time to reflect on past transgressions and practice forgiveness, the spirit of giving, and spreading love and kindness to everyone around you.
May Allah always protect you from the obstacles and negativities, and bless you with overflowing success and happiness in life.
Wishing you a prosperous and joy-filled Eid, filled with moments of laughter, love, and togetherness.
๐๐ถ๐ฑ ๐ ๐๐ฏ๐ฎ๐ฟ๐ฎ๐ธ! Maaf Zahir & Batin โค๏ธ
20/04/2023
๐ฐ๐ธ ๐๐ฟ๐ฒ ๐ฌ๐ผ๐ ๐ฃ๐ฎ๐๐ถ๐ป๐ด ๐ง๐ผ๐ผ ๐ ๐๐ฐ๐ต ๐๐ผ๐ฟ ๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ? ๐ธ๐ฐ
Today, almost everyone has insurance! I'm sure you do too. But... many people out there:
๐ paying way too much premium yet are ๐ช๐ฃ๐๐๐ง๐๐ฃ๐จ๐ช๐ง๐๐,
๐ end up using ๐ฉ๐๐๐๐ง ๐ค๐ฌ๐ฃ ๐ข๐ค๐ฃ๐๐ฎ ๐ฉ๐ค ๐๐ฃ๐จ๐ช๐ง๐ ๐ฉ๐๐๐ข๐จ๐๐ก๐ซ๐๐จ, and
๐ ๐๐๐ฃ'๐ฉ ๐๐ซ๐๐ฃ ๐๐ช๐ฎ ๐ ๐ข๐ค๐ฉ๐ค๐ง๐๐ฎ๐๐ก๐ with the returns after 30 years.
Here are some self-evaluation questions:
๐ Do you have the ๐ฌ๐ง๐ค๐ฃ๐ ๐ฉ๐ฎ๐ฅ๐๐จ ๐ค๐ ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ ๐ฅ๐ก๐๐ฃ๐จ?
๐ Do you have a ๐๐๐ฌ ๐ค๐ ๐ฉ๐๐ ๐จ๐๐ข๐ ๐ฉ๐ฎ๐ฅ๐ ๐ค๐ ๐ฅ๐ก๐๐ฃ๐จ?
๐ Are the ๐ฅ๐ก๐๐ฃ๐จ you have ๐๐ง๐ง๐๐ก๐๐ซ๐๐ฃ๐ฉ ๐ฉ๐ค ๐ฎ๐ค๐ช๐ง ๐ฃ๐๐๐๐จ?
๐ Do your ๐ฅ๐ก๐๐ฃ๐จ give you ๐๐ฃ๐จ๐ช๐๐๐๐๐๐๐ฃ๐ฉ ๐๐ข๐ค๐ช๐ฃ๐ฉ ๐ค๐ ๐๐ค๐ซ๐๐ง๐๐๐?
๐ Do you have ๐ช๐ฃ๐ฃ๐๐๐๐จ๐จ๐๐ง๐ฎ '๐๐๐-๐ค๐ฃ๐จ', ๐๐๐ฉ๐๐ฃ๐ ๐๐ฌ๐๐ฎ & ๐ก๐ค๐ฌ๐๐ง๐๐ฃ๐ your investment-linked plan's ๐จ๐๐ซ๐๐ฃ๐๐จ?
And ultimately......
๐ Are you ๐ฅ๐๐ฎ๐๐ฃ๐ ๐ฉ๐ค๐ค ๐ข๐ช๐๐ ๐๐ค๐ง ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ ๐ช๐ฃ๐ฃ๐๐๐๐จ๐จ๐๐ง๐๐ก๐ฎ? ๐ธ๐ธ
โก๏ธIf your answer to any of the above is ๐ฌ๐๐ฆ or ๐ก๐ข๐ง ๐ฆ๐จ๐ฅ๐, please speak to a Wealth Planner and have a free policy review done right awayโผ๏ธ
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๏ธ You need only the right amount of coverage for the right type of plans.
โ๏ธ Do not waste your hard-earned money.
Let's discuss your life, medical, critical illness, disability, debt cancellation, retirement and education planning needs.
๐ฒ Call or Whatsapp Rekha @ +6012-511 7764 today!