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Malaysia Insurance & Family Trust – Secure Legacy Protection
An Insurance Trust in Malaysia ensures your life policy benefits are protected and distributed according to your wishes, without probate delays or creditor claims. A Family Trust helps manage and preserve wealth across generations, offering long-term security and control over how your assets are used by loved ones. Together, these trusts form a powerful estate planning strategy to safeguard your legacy.
Our Will Writing & Estate Planning Services
Empowering Individuals. Delivering Trusted Solutions.
Smart Conventional Will Writing is a legal document you draw up to declare your wishes for your loved ones as to how you want your assets to be distributed after you passed on.
i-Care Personal Trust ensures that your wealth is being managed in a professional way when you required long-term care eg. disabilities, coma, critical illnesses etc.
10X Family Trust are designed to protect our assets and benefit members of our family beyond our lifetime. For example, to protect a family home from the potential failure of a business venture.
A Business Succession Trust is set up when the assets and property of a business corporation are entrusted to an appointed trustee. The trustees will manage the operation and assets of the business, not for their own profit, but for the profit of the beneficiaries.
Islamic Wasiat ensures assets distributions aligns with Shariah principles through a legally compliant will, following Islamic inheritance laws (Faraid).
Hibah allows lifetime gifting of assets to chosen beneficiaries, ensuring your intentions are fulfilled without disputes.
What is a Trust?
A trust is a legal arrangement where you appoint a trustee to manage your assets according to your instructions for
the benefit of your loved ones or even yourself.
the benefit of your loved ones or even yourself.
It is often used to:
• Ensure your children receive their inheritance in a secure and structured way.
• Protect family assets from legal disputes or business risks.
• Provide financial support if you become seriously ill or incapacitated.
• Ensure your children receive their inheritance in a secure and structured way.
• Protect family assets from legal disputes or business risks.
• Provide financial support if you become seriously ill or incapacitated.
Our Trust Services In Malaysia
01Insurance Trust Service
For clients with life insurance policies. Ensure the payout from your insurance is protected, controlled, and distributed properly—even if your children are still young or your loved ones are not financially savvy.
• Creditor-proof
• Fast claim distribution
• Professional trustee management
02Family Trust Service (via Testamentary Trust)
For clients with young children, special needs dependents, or complex family situations.
A Testamentary Trust is created through your Will and only comes into effect after death. It helps ensure your wealth is used the way you intended—for example, to fund your children’s education or healthcare, managed by a trustee you trust.
• Protection for vulnerable beneficiaries
• Prevents misuse or early spending
• Can delay inheritance till a suitable age
Why Choose Our Insurance & Family Trust Services?
- Tailored Trust Structures
We create custom trust deeds that clearly define how and when your assets or life insurance proceeds are distributed, aligned with your specific goals.
- Flexible Trustee Options
Appoint a trusted individual or use our institutional trustee service for expert, reliable asset management.
- Compliant with Malaysian Law
Our trust solutions comply with Malaysian legislation and are designed to ensure legal protection and proper execution.
- Family-Focused Planning
Protect minor children, support dependents with special needs, and manage structured payouts for education, healthcare, and long-term care through a well-designed family trust.
- Integrated with Your Estate Plan
Our insurance and family trust services work seamlessly with your estate plan to enhance wealth preservation, reduce probate delays, and give you peace of mind.
I-Care Personal Trust
For those planning ahead for health challenges such as disabilities, coma, or critical illnesses. Appoint a trustee to manage your wealth and care arrangements if you’re unable to do so yourself.
• For long-term care and medical crisis
• Ensure dignity and financial stability
• Peace of mind for your family
10X Family Trust
Protect your legacy beyond your lifetime. Perfect for clients who want to pass on family wealth securely—while shielding it from risks like business failures or family disputes.
• Safeguard assets like family homes
• Prevent family conflict
• Benefit multiple generations
Business Succession Trust
A powerful tool for business owners. Entrust your company’s shares and operations to a professional trustee, ensuring business continuity and your family’s financial security.
• Clear plan for ownership transition
• Reduce risks of family disputes
• Protect business value during emergencies
Frequently Asked Questions
What is an Insurance Trust in Malaysia?
An Insurance Trust in Malaysia lets you legally place your life insurance into a trust, so when you pass away, the payout goes into the trust—not directly to the nominee—and is managed and distributed exactly how you planned.
What is a Family Trust in Malaysia?
A Family Trust in Malaysia is a legal arrangement that holds and manages your assets on behalf of your family members. It allows you to set specific terms for how and when funds should be used, for example, for education, living expenses, or long-term care.
How is an Insurance Trust different from naming a nominee?
A nominee only receives the payout but cannot control how or when the funds are used. An Insurance Trust gives you full control over the distribution timeline and protects the funds from probate delays and creditor claims.
Can I include multiple beneficiaries in a trust?
Yes. Both Insurance Trusts and Family Trusts in Malaysia allow you to name multiple beneficiaries and assign specific amounts or conditions for distribution.
How do I set up an Insurance or Family Trust in Malaysia?
The process involves:
1. Consulting with our estate planning team to outline your objectives
2. Drafting a personalised trust deed
3. Transferring asset or policy ownership to the trust
4. Appointing Amanah Raya Berhad as Trustee
5. Reviewing and updating the trust when necessary
1. Consulting with our estate planning team to outline your objectives
2. Drafting a personalised trust deed
3. Transferring asset or policy ownership to the trust
4. Appointing Amanah Raya Berhad as Trustee
5. Reviewing and updating the trust when necessary
Protect Your Family’s Future with a Trusted Insurance or Family Trust in Malaysia
Take control of your legacy today. At Finex & Co, we offer personalised Insurance Trust and Family Trust services in Malaysia to help you safeguard your assets and secure your loved ones’ financial well-being.
Trusted Certified Estate Planners in Malaysia. Secure your legacy with expert estate planning solutions tailored to your personal, family, and business needs.
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