This is a life change no one wants to go through. One moment you were raising a family together, the next — you’re on your own. No warning. No time to prepare. Sometimes, not even a final goodbye. You’ve become a single parent overnight. And before your tears have even dried, you’re already faced with...

By the time most people talk to me about insurance, they’ve already made a decision: they’ve bought a policy, they’ve named someone as a beneficiary, and they feel relieved. Done and dusted. But here’s what I always ask: “If something happened to you tomorrow, are you confident the money will be used the way you...

I sat down in my reading room and picked up The 7 Habits of Highly Effective People by Stephen Covey while sipping a cup of coffee. I came across an interesting philosophy from his book: a farmer kills the goose that lays golden eggs in an attempt to get all the eggs at once, ultimately...

Planning for your family’s financial future is more than just naming nominees in your insurance policy. It’s about ensuring the funds are managed wisely, especially during uncertain circumstances. An insurance trust provides that safety net.   How Does an Insurance Trust Work? An insurance trust is to appoint a trustee to manage the payout from...

One of my relatives, Sara, is a retiree, aged 62 and single. During our conversation, she shared that she has approximately RM100,000 in cash and a condominium worth RM700,000. She also spends RM2,500 a month on living expenses, which includes paying for two life insurance policies (covering critical illness and life insurance) with a combined...

Thinking about the future can feel overwhelming, but planning ahead is one of the best ways to protect your loved ones and secure their financial well-being. Trusts are an incredibly versatile tool to help manage and distribute your wealth, safeguard your children’s inheritance, and make sure that your assets are used responsibly. In Malaysia, there...