Jessica Wee Wealth Planner Kuching

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Merry Christmas and Happy New Year! Wishing you lots of fun and excitement, and a super fantastic year to come!

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured.

To put it simply, you pay a sum of money known as the premium to the insurer and when you pass away, your beneficiaries (usually your family members), get a lump sum of money known as the death benefit.

Now the next question is should you buy life insurance?

You should buy life insurance, if you have anyone who may depend on you for financial support. For example: your kids/spouse or elderly parents.

However, if there is no one that requires you to support financially, then life insurance is optional.

Every responsible advisor will spend time talking about life insurance with their clients because they understand how important Life Insurance is in providing support for your dependents.

Life insurance proceeds can serve as a source of support, pay debts, or provide for the education and daily living expenses of your family and dependents.

So the next time when you hear an advisor asking “Do you have life insurance?”, do spend a few minutes sitting down and ask them more about it because it might just be the most important investment you make on yourself.

“Of course I want others to pay for my medical expenses and living expenses when I fall sick!”

Who doesn’t want coverage isn’t it?

As of now, you’re working on providing the 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 unable to work, the insurance company will compensate for your loss of income.

There are many income protection products in the market,so spend some time speaking to an advisor around you to understand which one caters more to your current financial needs.

Insurance In a Post-MCO Era: 5 Ways To Know When It’s Time To Update Your Current Plan Malaysians may have been facing so many changes in the past two years, but critical illnesses, like cancer, heart attack and stroke, remain as prevalent as ever in our lives. They can happen to every single one of us in the most unexpected times, which is why it’s important to have a comprehensive...

𝐖𝐡𝐚𝐭 𝐊𝐢𝐧𝐝 𝐎𝐟 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐘𝐨𝐮 𝐌𝐔𝐒𝐓 𝐇𝐚𝐯𝐞 𝐓𝐨𝐝𝐚𝐲?

The recent situation has made many people realise the importance of being covered and having insurance. However, there are still some people who are skeptical about insurance. Yes… I get it.

You see, nobody likes to discuss death… nobody likes to discuss illness… nobody likes to discuss what happens if an accident occurs and you’re unable to work…

But! We are seeing incidents like these happening everyday around us and we probably try to convince ourselves by saying, “𝗧𝗵𝗶𝘀 𝘄𝗶𝗹𝗹 𝗻𝗼𝘁 𝗵𝗮𝗽𝗽𝗲𝗻 𝘁𝗼 𝗺𝗲!”

We probably know insurance can give us that peace of mind, but there seem to be thousands of insurance products in the market and we all get really confused when we try to buy them, isn’t it?

Before the year ends, make sure you are at least covered. I’m not telling you to give yourself full coverage, but at the minimum, make sure you are at least covered to a certain extent. Here are 2 Insurance Products You Can Look At:

✅ 𝗬𝗢𝗨 𝗱𝗶𝗲, 𝗜 𝗽𝗮𝘆 → This relates to life coverage products. Buy adequate life insurance so that your family can sustain the loss of your death

✅ 𝗬𝗢𝗨 𝗳𝗮𝗹𝗹 𝘀𝗶𝗰𝗸, 𝗜 𝗽𝗮𝘆 → This relates to income protection products. Have adequate income protection so that you can concentrate on recovering your lost health in case of an illness.

Ask yourself, which is more important for you right now?

Make sure you’re fully covered. Speak to your financial advisor today. Spend a few minutes listening to what they have to offer.

Every professional advisor in the financial planning industry will know that it is important to get their clients covered during this period of time. That is why they are 𝐛𝐞𝐢𝐧𝐠 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐥𝐞 𝐚𝐧𝐝 𝐜𝐡𝐞𝐜𝐤𝐢𝐧𝐠 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐟𝐮𝐥𝐥𝐲 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 and be financially ready in 2022!

If you are a financial advisor reading this: Please share this with your clients and friends who you think should be aware of this.

If you are a financial advisor looking to upgrade yourself check out the ebook I've prepared: https://bit.ly/31CGKlA

[𝟐 𝐑𝐄𝐀𝐒𝐎𝐍𝐒 𝐖𝐇𝐘 𝐏𝐄𝐎𝐏𝐋𝐄 𝐀𝐑𝐄 𝐍𝐎𝐓 𝐆𝐄𝐓𝐓𝐈𝐍𝐆 𝐈𝐍𝐒𝐔𝐑𝐄𝐃]
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We all know that we need insurance but never really did we spend time trying to find out about it, isn't it? ⁣
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This is BECAUSE:
1 - We always think we can buy it tomorrow ⁣
2 - We think insurance is expensive, so we always said nothing will happen to me this coming year, why not let me buy it next year so I can save money on coverage this year. ⁣
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Let’s go over the TWO…
1. - We always think we can buy it tomorrow
Unlike luxury goods, the urge to get insurance is way significantly lesser. People always think that they can buy insurance later.⁣
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But do you know that insurance can only be purchased with health? If you can’t buy today because of bad health, it means you won’t be able to buy tomorrow. Because your health only get worse across time.⁣
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2. We think insurance is expensive and try to save money for coverage every year
There are many ways to save financially, but saving on insurance is definitely a NO-NO. Insurance is designed to protect you when unpredictable incidents occur. ⁣
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== Frequently Asked Questions ==
What if I can’t afford them now?
Start small! If you can’t afford insurance right now, start by investing on a small policy and top it up across time. You have to start as early as you can, especially when premiums are cheap.⁣

I’m not sure what coverage I have?
Go find an advisor and ask him. Let them tell you how much coverage you need. Every professional advisor is trained to do a proper policy review. There is no harm approaching them.⁣
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== What To Do Next? ==
To sum it up, make sure you’re fully covered.⁣
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Every professional advisor in the financial planning industry will know that their clients’ priorities change dramatically especially in DECEMBER due to them planning for the next year. That is why they are being responsible and checking if you’re fully covered and financially ready.

If you are a financial advisor looking to upgrade yourself to better value add your client, I’ve prepared a book for you here: https://bit.ly/38VpDfh

Insurance cost is fixed but the amount for your loss is not fixed and can be almost anything.. Insurance PROTECTS your losses in times of need.

If you are a client reading this: Speak to your financial advisor today

If you’re a financial advisor looking to upgrade yourself to better value add your client, I’ve prepared a book for you here: https://bit.ly/2XdmYeB

Another Killer Identified - It's not just a disease!

1 in 8 women will develop breast cancer throughout her lifetime. The disease may not just be the killer, it could be the MEDICAL COST!

Never give chance to either a disease or medical cost to win. Instead, YOU must win! A medical card can help you win!

Contact us today to know more.

Did you know that when we fail to plan, we are planning to fail?

We are here to help parents to have a solid financial planning for their children's future just in case the parents are no longer around.

Contact us now and start your financial planning today.

Still can't decide what insurance to buy? Protection, Saving Plan or Both?🤔

We know many do not own insurance because they are confused about what to get. Confuse no more because we can help you know exactly what kind of insurance suits your wants and needs!

Call us today, PM, or DM to eliminate that confusion and get the insurance plan that suits you best!

PS: The consultation is totally 𝗙𝗥𝗘𝗘!😉