Zurich TrueLady Introduction Video

Zurich Launching a new product - Zurich TrueLady

Life’s beautiful at every stage
when you have a sure plan.

 

Zurich TrueLady is a special plan designed for women solely from our understanding and recognition of the many roles a woman will take on in the course of her life. It is a single comprehensive policy that evolves and grows to protect a woman’s changing roles and needs, from a single to married lady, followed by pregnancy and childbirth, and all the way through motherhood. It puts ladies first, in every way, by taking into consideration what makes her feel secure, at every stage of her life.

Start with
Investment-Linked Plan

Single and young, your life stretches out ahead of you. Do what you want, when you want, for a life that follows your heart’s desires. (Zurich FlexiLife Plus is an investment-linked premium plan with the flexibility to meet your changing needs for protection, investment and savings, at every stage of your life.)


Get
Female Critical Illness

If you are a working single or already married to the love of your life, now is the time to ensure you continue to enjoy good health. A unit-deducting rider attachable to individual basic regular premium investment-linked plans, Flex Lady CI provides comprehensive coverage against major female critical illnesses and related surgical treatments from now till you are 80.

Add on
Maternity Care

Pregnancy indeed is a special journey. Stay at your healthiest at this stage of life to provide the best head start for your growing baby with Flex Maternity Care.

Complete with
Juvenile Critical Illness

Start motherhood with total peace of mind by getting your baby the Flex Junior CI rider. It protects your child as soon as he is born all the way until he/she reaches the age of 25.

Zurich FlexiLife Plus New Launching on 18/09/2013

Zurich FlexiLife Plus

 

 

 

 

 

All-in-one, for all times.

Zurich FlexiLife Plus is a regular premium investment-linked plan thoughtfully created to take into account different life stages, maturing when the life assured reaches the age of 100. It rewards you with Loyalty Bonus, and offers more than your expectations with No Lapse Benefit. It also enhances your protection at different life events without further underwriting.

The five pluses of Zurich FlexiLife Plus

Protects

Comprehensive Coverage

It covers Death or Total and Permanent Disability. In addition, you can enhance your protection by attaching a wide range of optional riders such as:- Hospitalisation & Surgical Coverage, Critical Illness Coverage, Personal Accident Coverage, Female Protection Coverage and Waiver of Premium.

Flexible

Flexibility in managing your protection and investment needs

Apart from its all-in-one comprehensive plan, it is flexible to accommodate changes to meet your life stage needs. You can increase or decrease your sum assured and premium at anytime; choose or switch funds according to your risk tolerance level.

Rewarding

Loyalty Bonus

Rewards you with a Loyalty Bonus of 0.5% of the average monthly account value over the last 5 premium years. This will be paid to you every 5 premium years in the form of units, until policy expires at the age of 100 subject to full premiums being paid on time.

Understanding

No Lapse Benefit for the first 3 policy years*

We understand that protection is important to you, so we allow the policy to continue to be in-force and provide coverage within the first three (3) policy years even if your investment account value is insufficient to cover the cost of insurance and monthly fee charges.

Enhancing

Guaranteed Insurability Option*

We are taking care of your protection needs at different life events by providing Guaranteed Insurability Option for you. Upon your request, this option allows you to increase your basic sum assured up to 20% of the original basic sum assured in every life event without underwriting. These life events are marriage, birth of child or legally adopting child, buying a house or death of a spouse. The basic sum assured will increase up to 100% or RM500,000 whichever is lower and maximum up to 5 events.

Early Care Critical Illness Rider

Enjoy financial support for both treatment and recuperation expenses upon diagnosis of any defined early stage critical illnesses.

 

Early Care Critical Illness Features

Early Stage Critical Illness Benefit

You will receive a payout of 50% of the Early Care Critical Illness sum

assured upon diagnosis of any defined critical Illness, to facilitate the best

and most effective treatment when it can make the most difference. The

sum assured will be reduced by the amount claimed and continue to provide

an end stage critical illness benefit. This benefit will cover you up to age 85.

End Stage Critical Illness Benefit

Up to 100% of the Early Care Critical Illness sum assured is payable upon

diagnosis of any defined end stage critical illnesses, provided no early stage

claim payout has been made before. End stage critical illness will be covered

up to age 100.

Rehabilitation Benefit* - Paid monthly to aid complete recovery

An additional 12% of the Early Care Critical Illness sum assured will be

payable to you at the first approved diagnosis of critical illness for

rehabilitative needs. The amount will be paid on a monthly basis for

a period of 12 months.

Second Medical Opinion* - To be certain about your treatments

A lump sum of RM2,000 will be payable to give you the flexibility to choose your preferred specialist for a Second Medical Opinion.

Sin Chew Daily 星洲日报副刊报道（剪报）18/4/13

MAA Fund Performances Report YTD Aug 2011

3 Stages of Financial Planning 理财规划之三大阶段

理财规划是每个人一生中不能避免的功课之一, 但一般人却错觉理财是一件非常深奥的学问。Achiever 特别为大家提供一个即简单又容易的理财规划简化表，让您也可以轻松的自我检视一下本身的理财健康指数。若有不明白或不足之处，建议您寻求理财顾问的意见，这样才能确保您财务管理的健康水平。
图表一为理财的主要阶段。图表二则是延伸自表一的详细检视内容。祝你理财顺利！

Financial Planning in Different Age Band 各年龄阶段的财务规划

Guaranteed Return Saving Plan for Limited Period Only

你在寻找一份可以长期无风险保证回酬的储蓄计划吗？

回顾过去十多年来储蓄利率不断下降，对于一些不想冒险投资者来说；如果继续将辛苦储蓄的钱存放在银行户头，无疑是一种让金钱不断贬值的消极做法。

如今，你不但可以在零风险的情况下储蓄，同时还可以保证未来30-35年的固定利息。

以一名35岁的客户为例：六年储蓄总数为RM93,240, 若十年后每年定期取出利息，满期后他将能获得总数 RM256,000 的回利；相等于275% 的保证回酬！

而且，您也可以选择保留每年的利息于户头内，以获取累积性的复利... 详情请联络您的 Achiever 专业理财顾问。

您一生中不可或缺的七张保单 The 7 Policy in your Lifetime

第1张：意外/收入替代保单 Income Replacement Policy
　对于刚踏入社会工作的年轻人而言，买份高额的寿险是不实际的。25岁-30岁的社会新鲜人，我们的经济能力有限，还在创业或打拼，还要为买房、买车做准备，意外险是这个阶段必备的第一张保单。
　　意外险提供生命与安全的保障，功能是身故给付及终身残废给付。买一份意外险是对生命的保障，更体现了对父母养育之恩的报偿。当意外不幸发生时，它能有效成为您收入的替代工具。尽管意外险没有理财功能，在没有发生风险的情况下，不能获得返还与收益，但与其高达10万元的赔付金额相比，每年几百元的投入就显得微不足道。任何其他一个险种都不可能像意外险一样，有如此之高的保障功能。
　　一些意外险还附加了因意外发生的医疗赔偿，住院收入、手术费用，每周赔偿，救护车费用等等。

第2张：住院卡 / 医药卡保单 Medical Card Policy　
　 无论年青人到老年人，都可能面对意外或病痛的煎熬，加上目前住院开销的日愈提高，在不幸染上病症，或意外导致入院时，医药卡就会发挥它的效用，而不至于让家人为了昂贵的医药费用大伤脑筋或荷包大出血！
　　
第3张：严重病症医疗保单 Dread Disease Policy　
　 人到中年，身体也开始悄悄地发生着变化，我们不得不小心地规划着未来。生活的重担让大多数人处于亚健康状态，严重病症的发病率越来越高，而发病的年龄却越来越低。
　　虽然我们有着一份医药卡保险，可却总在花钱看病时感到钱不够花。疾病是家庭财政的黑洞，严重病症保险是转移风险、获得保障的方式，也是理财的最佳选择之一。将一部分钱存入严重病症保单，出险的情况下可以获得赔付，不出险最终也能收回本金和红利。
　　一般上大马的严重病症保险只赔付保单上所列的病症，如果得了其他的病，需要住院手术，想获得赔付，就要选择一些适合自己的附加险种，如防癌险、女性保险及医药卡。附加险可以赔偿手术、疾病或意外造成的费用。

第4张： 为资产提供保障的贷款清偿保单 Loans Settlement Policy　　
天有不测风云，人有旦夕祸福。在人的一生中风险无时不有、无处不在，只要您开始拥有未完全缴清的产业如房屋或车子，个人购买的财产保全保险就成为您生活中必备的保险。一般上人们都会为产业购买火险，偷窃险及汽车保险，但往往忽略了最重要的财产保全保险；这种保单能保障当事人在早逝或终身残废发生时，在无需继续缴费贷款的情况下，为家人保全以上所述产业的拥有权。

第5张：养老保险 Retirement Policy　
　在能赚钱的年龄考虑养老是必要的，也是不可回避的。从30岁开始，在资金允许的情况下，应该开始考虑买一份养老保险。养老资金首先要保证安全；投资股市或者房产来养老，风险显然难以预测。而养老保险兼具保障与理财功能，可以抵御一部分通货膨胀的影响。养老保险应当尽早购买，买得越早，获得优惠越大。
　　购买养老保险之前，要算清楚以后每月能拿到多少钱，能拿到多少岁或者多少年。养老金的领取分两种形式，一种是每年领固定的金额，另一种是一次拿完满期利益，应视不同情况与理财方式而选择。

第6张： 子女的教育保单 Child Education Policy
天下的父母都希望孩子能够接受最好的教育，拥有更为远大的未来。可是，教育费用越来越高，再加上对孩子爱好的培养，需要一笔巨大的款项。因此，从孩子出生之日起，为孩子的教育准备一笔资金成为当务之急。
　　准备教育基金有两种方式，一种是教育费用预留基金。举例说，在小孩1岁-17岁，每年交RM2,500，17岁可以返还RM50,000元，以此可以保证专款专用。另一种方式是买一份万能寿险，它存取灵活，而且可以分享保险公司的理财回报，做大额的教育储备金。

第7张：资产转移/避税保单 Assets Reassignment Policy　　
孩子长大了，我们面临养老与遗产的问题。在经济允许的情况下，我们要完善自己的医疗和养老保险，规划好退休后的生活，安享晚年。此时，对遗产的安排也要开始着手。虽然本国目前豁免了遗产税，但随着经济与法律的发展，很难保证政府在不久的将来不会征收遗产税。按照国际惯例，遗产税一般在40%以上，德国的遗产税率甚至高达50%。
按照我国法律，保险金所得是免税的。子女作为保险金受益人，无须交纳个人所得税。选择适当的保险品种，有意识地用巨资投入保险，身后就能留下一大笔不用缴税的遗产。保险因而成为最佳的避税方式之一。

Super Fortune Plan ~ Your Guarenteed Long Term FD

如果您目前在银行定存 RM100K，您的长期利息有多少？
今天，MAA提供您另一种更安全可靠的全新选择， 100%保证的未来利息和满期利益，更重要的是；你只需存放六年，就能享受高达30-40年的固定利息。下图为简化利益表，详情请洽：
017-2693155
jazztht@gmail.com