Mohon pendapat

[pazliir]

Salam All,

Mohon utk mendapatkan info yg berkaitan seperti yg saya nyatakan dibawah:-
1.Umur 37 thn bekerja dgn GLC,Isteri 33 thn gov sector
2.Anak 2 berumur 6 thn dan 4 thn,1 lagi akan lahir bln 11.2010

Masalahnya:-
1.Semua perubatan saya,isteri dan anak-anak ditanggung oleh syarikat termasuk isteri bersalin dan anak sehingga umur saya 56 tahun(jika diizinkan).

Pendapat:-
1.Apakah pelan-pelan yg sesuai untuk keluarga saya..

Kalau ikut saya( x berapa pasti);-
1.Pelan Perubatan-telah dicover oleh syarikat(short-term plan shingga umur 56 tahun)
2.Pelan Pendidikan-telah buat simpanan suami dan isteri dlm ASB maksima dah..rasa cukup utk 2 anak nie..
3.Pelan Perlindungan-yg ini x pasti..tapi dah ader buat PA dgn ING,Maybank

Cadangan dan pendapat amat dialukan,blh lah emailkan ke
[email protected]

Tq

 

[elmyda]

wah.. merancang nmpknya bro? hehe..

bagus nih..

 

[pazliir]

wah.. merancang nmpknya bro? hehe..

bagus nih..

Salam Bro Elmyda..Selamat hari raya maaf zahir dan batin..

hehhehe.. x der la baru nak tanya-tanya kat otai nie...lama x muncul kat forum kelab..

 

[realist-property.com]

Salam All,

Mohon utk mendapatkan info yg berkaitan seperti yg saya nyatakan dibawah:-
1.Umur 37 thn bekerja dgn GLC,Isteri 33 thn gov sector
2.Anak 2 berumur 6 thn dan 4 thn,1 lagi akan lahir bln 11.2010

Masalahnya:-
1.Semua perubatan saya,isteri dan anak-anak ditanggung oleh syarikat termasuk isteri bersalin dan anak sehingga umur saya 56 tahun(jika diizinkan).

Pendapat:-
1.Apakah pelan-pelan yg sesuai untuk keluarga saya..

Kalau ikut saya( x berapa pasti);-
1.Pelan Perubatan-telah dicover oleh syarikat(short-term plan shingga umur 56 tahun)
2.Pelan Pendidikan-telah buat simpanan suami dan isteri dlm ASB maksima dah..rasa cukup utk 2 anak nie..
3.Pelan Perlindungan-yg ini x pasti..tapi dah ader buat PA dgn ING,Maybank

Cadangan dan pendapat amat dialukan,blh lah emailkan ke
[email protected]

Tq

Salam bro...
Dari info yang bro berikan, saya advise bro and and wife equip with AIA husband and wife package as a preparation for both of your pre-retirement planning as company doesnt cover during retirement.
As for your children, if you wish to add extra cover as precaution if anything goes wrong with your career, then it is better also to plan as well as AIA has AIA family pakej for your needs.

Other protection, probably you could consider taking up critical illness protection as 1 critical illness strike, financial stability can be a major problem and can effect your lifestyle of living during your retirement.

As for children education, you will be 49 years old when your first child is 18 and ready to go to college, you will be 51 years old when your 2nd child is 18 and ready to go to college, and you will be 55 years when your newborn baby is 18 and ready to go to college. How much money needed to support these children education program in order to fullfuill thier dreams? that one need to consider what type of courses they into..
As u said, your ASB is almost enough for both kids, but as a father and a breadwinner, you must consider also the living expenses for your family as there is nothing else that can takecare of your family wellbeing after your gone other than life insurance.....so the other protection for you is life insurance or others people call it ' income protection'....

Those are the few, if you interested to know more, then please do not hesitate to give me a call at the number below.

p/s: saya sudah email pada bro

tq

 

[dudin]

Salam All,

Mohon utk mendapatkan info yg berkaitan seperti yg saya nyatakan dibawah:-
1.Umur 37 thn bekerja dgn GLC,Isteri 33 thn gov sector
2.Anak 2 berumur 6 thn dan 4 thn,1 lagi akan lahir bln 11.2010

Masalahnya:-
1.Semua perubatan saya,isteri dan anak-anak ditanggung oleh syarikat termasuk isteri bersalin dan anak sehingga umur saya 56 tahun(jika diizinkan).

Pendapat:-
1.Apakah pelan-pelan yg sesuai untuk keluarga saya..

Kalau ikut saya( x berapa pasti);-
1.Pelan Perubatan-telah dicover oleh syarikat(short-term plan shingga umur 56 tahun)
2.Pelan Pendidikan-telah buat simpanan suami dan isteri dlm ASB maksima dah..rasa cukup utk 2 anak nie..
3.Pelan Perlindungan-yg ini x pasti..tapi dah ader buat PA dgn ING,Maybank

Cadangan dan pendapat amat dialukan,blh lah emailkan ke
[email protected]

Tq

abg punya perancangan ni dah bagus..

cuma ada skit yg kena tambah..

mayb dr segi sum assured...

medical sykt dah cover tu kira bagus la..

tak semua org dapat kemudahan mcm bro..

cuma klu ada medical card yg personal lagi bagus..

sbb sykt hanya akan cover sehingga umur 56 jer...

what happen klu tiba2 dah tak boleh keje sbb sakit kritikal spt

sakit buah pinggang? mayb time tu sykt akan cari pengganti..

klu time tu baru nk apply medical card mmg dah susah..

sedangkan masa tu la sgt2 perlukan medical card utk cover kos

rawatan yg tinggi..sayang jugak klu guna duit asb tu...

penat bro simpan penuhkan asb...alih2 abis bg kat doktor pakar...

tp apa2 pun jumpa dulu agen2 tdekat dgn bro utk discuss..

klu area jb jgn lupa calling2 saya..

kita tgk apa plan yg sesuai utk family & budget bro..

 

[abgchaq]

Salam All,

Mohon utk mendapatkan info yg berkaitan seperti yg saya nyatakan dibawah:-
1.Umur 37 thn bekerja dgn GLC,Isteri 33 thn gov sector
2.Anak 2 berumur 6 thn dan 4 thn,1 lagi akan lahir bln 11.2010

Masalahnya:-
1.Semua perubatan saya,isteri dan anak-anak ditanggung oleh syarikat termasuk isteri bersalin dan anak sehingga umur saya 56 tahun(jika diizinkan).

Pendapat:-
1.Apakah pelan-pelan yg sesuai untuk keluarga saya..

Kalau ikut saya( x berapa pasti);-
1.Pelan Perubatan-telah dicover oleh syarikat(short-term plan shingga umur 56 tahun)
2.Pelan Pendidikan-telah buat simpanan suami dan isteri dlm ASB maksima dah..rasa cukup utk 2 anak nie..
3.Pelan Perlindungan-yg ini x pasti..tapi dah ader buat PA dgn ING,Maybank

Cadangan dan pendapat amat dialukan,blh lah emailkan ke
[email protected]

Tq

bagus la abg punya perancangan

cuma nak tanya sikit bang,abg punya plan medical cukup tak cover?
plan perlindungan mencukupi tak?

apa kata abg jumpa kami agent-agant disini then kita boleh cuba lihat yang mana tak cukup kita cuba tokok tambah.

sebab kekadang kita tidak dapat mengjangkakan seseuatu yg diluar jangkauan kita,seperti aset dibekukan jika berlaku kematian.

abang boleh hubungi agent-agent disini termasuk saya jika diarea lembah klang.

 

[pazliir]

Salam bro...
Dari info yang bro berikan, saya advise bro and and wife equip with AIA husband and wife package as a preparation for both of your pre-retirement planning as company doesnt cover during retirement.
As for your children, if you wish to add extra cover as precaution if anything goes wrong with your career, then it is better also to plan as well as AIA has AIA family pakej for your needs.

Other protection, probably you could consider taking up critical illness protection as 1 critical illness strike, financial stability can be a major problem and can effect your lifestyle of living during your retirement.

As for children education, you will be 49 years old when your first child is 18 and ready to go to college, you will be 51 years old when your 2nd child is 18 and ready to go to college, and you will be 55 years when your newborn baby is 18 and ready to go to college. How much money needed to support these children education program in order to fullfuill thier dreams? that one need to consider what type of courses they into..
As u said, your ASB is almost enough for both kids, but as a father and a breadwinner, you must consider also the living expenses for your family as there is nothing else that can takecare of your family wellbeing after your gone other than life insurance.....so the other protection for you is life insurance or others people call it ' income protection'....

Those are the few, if you interested to know more, then please do not hesitate to give me a call at the number below.

p/s: saya sudah email pada bro

tq

Tq..dah dpt email saudara..amat dihargai

 

[pazliir]

bagus la abg punya perancangan

cuma nak tanya sikit bang,abg punya plan medical cukup tak cover?
plan perlindungan mencukupi tak?

apa kata abg jumpa kami agent-agant disini then kita boleh cuba lihat yang mana tak cukup kita cuba tokok tambah.

sebab kekadang kita tidak dapat mengjangkakan seseuatu yg diluar jangkauan kita,seperti aset dibekukan jika berlaku kematian.

abang boleh hubungi agent-agent disini termasuk saya jika diarea lembah klang.

pandangan saudara amatlah dihargai..tq

 

[pazliir]

abg punya perancangan ni dah bagus..

cuma ada skit yg kena tambah..

mayb dr segi sum assured...

medical sykt dah cover tu kira bagus la..

tak semua org dapat kemudahan mcm bro..

cuma klu ada medical card yg personal lagi bagus..

sbb sykt hanya akan cover sehingga umur 56 jer...

what happen klu tiba2 dah tak boleh keje sbb sakit kritikal spt

sakit buah pinggang? mayb time tu sykt akan cari pengganti..

klu time tu baru nk apply medical card mmg dah susah..

sedangkan masa tu la sgt2 perlukan medical card utk cover kos

rawatan yg tinggi..sayang jugak klu guna duit asb tu...

penat bro simpan penuhkan asb...alih2 abis bg kat doktor pakar...

tp apa2 pun jumpa dulu agen2 tdekat dgn bro utk discuss..

klu area jb jgn lupa calling2 saya..

kita tgk apa plan yg sesuai utk family & budget bro..

terima kasih atas pandangan anda..amat dihargai

 

[prudential]

At glance,

1. You need medical card, I assume you are from Petronas. I got many call from Petronas staff every week, pertaining they going to retire next month and want to sign up for medical caard plan. But, most of them are diabetic or with high blood pressure. With this illnesses, they cant apply the medical card anymore. Hence, apply the medical card when you are healthy. Yes, it is redundant with your current protection from company.

Think about future, think about cost of kidney dialysis when you are older. Lots of money needed for medical expenses after retirement. Your retirement fund, EPF fund, kids education fund maybe will be used for your medical expenses when you really need the money.

Your planning will useless then. All the money will be used by you and only you selfishly.

2. You need Life Insurance

PA - only gives compensation upon death due to accident. No accidental death happen, then there will no compensation for your family.

Life insurance gives compensation to all of types of death, Including been murdered or suicide.

My simple method of how much Sum Assured needed is

step by step on how should you upgrade your plan accordingly.

a. Minimum 2 years of your salary.
b. Optimum 5 years of salary. (<RM500K)
c. RM500K
d. 1 mil