Malaysia Insurance & Family Trust Services

Protect what matters most with Finex & Co. Our Insurance Trust ensures your life policy benefits go directly to your loved ones, free from probate delays. With a Family Trust, you can preserve and manage your wealth across generations, giving your family lasting security, stability, and peace of mind.

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Our Trust Services In Malaysia

Empowering Individuals. Delivering Trusted Solutions.

I-Care Personal Trust

Ensures your wealth is professionally managed if you require long-term care eg. due to disability, coma, critical illness, etc.

10X Family Trust

Protects family assets and supports loved ones beyond your lifetime such as safeguarding a family home from business risks.

Business Succession Trust

A Business Succession Trust entrusts a company’s assets and property to appointed trustees, who manage operations for the benefit of the beneficiaries, not their own profit.

What is A Trust?

A trust is a legal arrangement where a trustee manages your assets according to your instructions for the benefit of your loved ones or yourself.

It helps:
• Ensure your children receive their inheritance securely and fairly.
• Protect family assets from disputes or business risks.
• Provide financial support if you fall ill or become incapacitated.

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Our Trust Services In Malaysia

01Insurance Trust Service

For clients with life insurance policies, a trust ensures your payout is protected, well-managed, and distributed according to your wishes, even if your children are young or your loved ones lack financial experience.

• 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 takes effect after death. It ensures your wealth is managed as intended. For example, funding your children’s education or healthcare under a trusted trustee.

• Protection for vulnerable beneficiaries

• Prevents misuse or early spending

• Can delay inheritance till a suitable age

Why Choose Our Insurance & Family Trust Services?

Insurance & Family Trust Services Malaysia

Tailored Trust Structures

We design custom trust deeds that define how and when your assets or insurance proceeds are distributed, aligned with your goals.

Flexible Trustee Options

Choose a trusted individual or our institutional trustee service for expert, reliable management.

Compliant with Malaysian Law

Our trusts fully comply with Malaysian regulations, ensuring legal protection and proper execution.

Family-Focused Planning

Safeguard minor children, support special needs dependents, and manage structured payouts for education, healthcare, or long-term care.

Integrated with Your Estate Plan

Our trust services work seamlessly with your estate plan to preserve wealth, reduce probate delays, and give lasting peace of mind.

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How Our Insurance & Family Trust Services Work?

01Consultation & Goal Setting

We understand your family, assets, and objectives to recommend the right trust structure.

02Drafting the Trust Deed

Our legal experts prepare a tailored trust deed outlining distribution rules and trustee powers.

03Assigning Assets/ Policies

You transfer your life insurance policy into the trust for protection and control.

04Appointing a Trustee

Choose a trusted individual or our professional trustee service to manage the trust.

05Ongoing Support & Review

We provide guidance and periodic reviews to ensure the trust stays aligned with your needs.

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

Who Should Consider An Insurance Trust Or A Family Trust?

A trust is a powerful estate planning tool that provides security, control, and peace of mind. Consider an insurance or family trust in Malaysia if you fall into these groups:

Parents with young children : Secure your children’s future and ensure their inheritance is managed responsibly.

Families with special needs dependents : Provide structured, lifelong financial support and care management for dependents who will need permanent assistance due to their condition.

Business owners : Protect business assets and ensure smooth succession to prevent disputes or losses.

Individuals with multiple properties or large insurance policies : Safeguard significant wealth and ensure proper distribution without probate delays.

Those wishing to prevent family disputes : Minimise conflicts by clearly defining how assets are distributed.

Individuals planning for medical or long-term care : Assign a trustee to manage your wealth and care if you face disability, coma, or critical illness.

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Frequently Asked Questions

1. 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.

2. 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.

3. 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.

4. 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.

5. 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

Protect Your Family’s Future With Our Trusted Insurance Or Family Trust Services 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.

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Trusted Certified Estate Planners in Malaysia. Secure your legacy with expert estate planning solutions tailored to your personal, family, and business needs.