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Upon taking out a home loan, most banks will typically advise you to take out mortgage insurance to secure your house. Mortgage insurance helps to protect your family from losing the house to the creditors should something undesirable happen to you before the loan is fully paid off. Purchasing a home loan insurance enables your family to continue staying in the house while the balance loan amount is settled by the insurance provider. The two types of mortgage insurance available in Malaysia are Mortgage Reducing Term Assurance (MRTA) and Mortgage Level Term Assurance (MLTA). But for the first time home[…]

The Wuhan virus or 2019 Novel Coronavirus has affected the world in many ways across various industries. The tourism industry has seen a drastic decline with travel being closed off in a few regions across China. Many countries are concerned about the spread of the Wuhan virus and have taken extreme measures to bar the Mainland Chinese from entering. The Coronavirus has since spread to more than 27,000 people and has claimed more than 500 lives. Currently, there is no confirmed vaccine for the virus, causing worldwide paranoia of contracting the flu. The World Health Organization (WHO) has officially declared[…]

Have you ever sat down and wondered, how are insurance quotes calculated? Perhaps you had a discussion with a friend and discovered that their life insurance quote is lower than yours even though their policy covers the exact same thing yours does. You’re confused. Are there certain aspects in your life that resulted in such high insurance quotes? Knowing what goes into the cost of life insurance is valuable information. This little bit of knowledge could help you understand how life insurance quotes work and give you insight into some factors that could save you more money down the line.[…]

Have you ever imagined how your retirement life will look like? What will happen to your spouse, children, siblings or parents in case of an unfortunate event? How do you cope and manage your life if you’re severely injured and lost your job? Given such possibility, it poses the question of why people don’t buy life insurance despite knowing the risks involved. Life is unpredictable and filled with unpreventable events too. It’s intimidating to find out that we’re unable to control what happens next. The point is, have you prepared yourself to face the aftermath?   By having life insurance,[…]

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