Arthur - AIA Life & Takaful Planner

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🛡️ Arthur Loh, AIA Life Insurance Agent 🌐 Crafting personalized protection for families & real estate pros 💼 | Secure financial futures, bridge investment gaps 🏡💰 | Trusted advisor for lasting peace of mind 🤝✨ 🛡️ Arthur Loh, AIA Life Insurance Agent 🌐 | Crafting personalized protection for families & real estate pros 💼 | Helping secure financial futures & bridge t

he gap between investments and legacies 🏡💰 | Trusted advisor with a focus on proactive planning for lasting peace of mind 🤝✨

23/01/2024

“Why does my Medical Card premium increase every year?”
Medical card policy that has increasing premium every year is typically a traditional insurance policy. It’s also known as a standalone medical plan. All the premium increment are clearly written in the contract.
But the increment will going to be drastic over time. Especially when you are older. The premium increase can be up to 200% in over 1 - 2 years. This often can throw someone off in their financial planning.
What’s more worrying is if the policy owner no longer able to afford the increased premium, the policy will lapsed and the policy owner will no longer be protected.
Hence, here comes a modern plan - investment-linked plan. Sure, the initial premium of investment-linked plan will going to be a lot more than the initial premium for standalone plan. But it’s only time that the premium increase in standalone policy will surpass your investment-linked plan. In other words, the premium will stay relatively stable over time. No surprises for you.
I think investment-linked plan is going to suit the majority of the population given its flexibility, completeness and hassle-free nature.

22/01/2024

“Who would buy MLTA if it’s more expensive?”
By default, your mortgage loan will typically be bundle with a MRTA, a life insurance. For the general public, this will be the mortgage insurance they will opt for as it is the “default” option.
When the banker approach us for the mortgage loan, they will together sign us up for the MRTA. The payment for the MRTA will also be made together with your mortgage repayment. So in most cases, if we didn’t pay too much attention, we might not even realise our mortgage loan has an insurance.
I think MRTA has its own benefit as it’s drastically cheaper (in terms of premium), and often banker offers better interest rate when you bundle your mortgage loan with their bank’s MRTA. And it’s hassle free. All can be done in one go while signing for the mortgage loan. When’s there the element of convenience, it’s hard to downplay the practicality of MRTA.
Here comes another option, MLTA. Without a strong insurance awareness, this option is something many are not aware of because this option doesn’t usually fit into the process of buying a property. Unlike MRTA, which you will do alongside your mortgage loan, MLTA will require us to approach insurance agent (someone who also typically won’t be involved in your property purchases) to apply.
But by understanding both tools, they can definitely complement each other really well. As an investor, ROI is the ultimate metrics to measure our investment success.
Hence, while we are striving for the maximum return, not to forget the risk management aspect of the investment game.

15/01/2024

“Mortgage loan also need insurance?”
Mortgage loan insurance is more important that we thought. As a real estate investor myself, I was not aware of the need of mortgage insurance until recently.
As much as we want to create wealth via real estate investment, or owning a warming home for our family; we shouldn’t neglect the fact we loan money from the bank to finance it.
The repayment for it has to happen regardless if we are are aren’t around anymore. In other words, if we passed away unexpectedly before paying off the loan, the responsibility then falls onto our loved ones or next generation.
What’s worst is they are forced to do it even if it’s against their will. And if they cannot afford the debt passed down to them, they are again being forced to sell off the asset with a lower price. Either way, they end up in a huge lost.
So, remember to equip your real estate portfolio with sufficient insurance so the wealth can be passed down, not debt.

12/01/2024

“How can I ensure I propose the best solution?”
This is when our weekly Friday case study session come into the picture. It’s a session where everyone comes together to brainstorm an ideal solutions for our customers.
It’s a really fascinating session whereby we see different prospective when we trying to draft out our solution, and role play our presentation.
At the end we combined ideas from each groups and come out an ideal solution and concepts so we are ready to approach our customers.

“2024 Premier Advisor”This is an achievement that I have obtained last year. Thank you to all my clients who trusted in ...
12/01/2024

“2024 Premier Advisor”
This is an achievement that I have obtained last year. Thank you to all my clients who trusted in me.
Even more, thank you for everyone who have given me the opportunity to do sharing.
2024 marks a new beginning for me and continue bringing content and services to everyone around me.
Here’s to a new start.

✨ Free Annual Insurance Policy Review Alert! ✨🔍 Have questions about your insurance policies?💢 Are you getting the best ...
01/01/2024

✨ Free Annual Insurance Policy Review Alert! ✨

🔍 Have questions about your insurance policies?

💢 Are you getting the best value for your premiums?
💢 Worried about gaps in your coverage?
💢 Curious about new benefits or discounts?

🚀 Our team of experts is offering FREE annual insurance policy reviews. Discover potential savings, updates, and ensure your coverage aligns with your goals.

🌟 Don't miss out on potential benefits and enhancements.

🌈 Why Opt for Our Insurance Policy Review?

✅ Expert insights tailored to your unique situation.
✅ Uncover potential savings you might be missing.
✅ Ensure your coverage evolves with your life changes.

📆 Take Action Now!
Schedule your appointment and take control of your financial well-being!

🗓️ Plus, each successful review comes with a FREE AIA 2024 Planner Diary to organize your year ahead. 📔

🚨 Limited slots are available, so act fast!

31/12/2023

“I just lost my job because my company is shutting down.”
This is really an unfortunate event that could technically happen to any 9-5 worker. What’s worst is you have absolutely no control over it.
And this is already the 2nd high profile case happened in 2023 in Malaysia. Not to mentioned those not reported in the news.
But good news is you have total control over your own finances. Such rainy days cannot be prevented, but at least we can mitigate the negative effect of it by having proper financial planning.
Having a financial safety net opens up a lot more opportunities in such tough times. At least we have the negotiations power when we are seeking for a new role.
Having a “stable” 9-5 job doesn’t mean it’s invincible from risks, doesn’t it?

30/12/2023

“Who would have thought shopping also has risk?”
Personal accident includes sports injury, knife cut, burn, and any accident injury. As long as you are insured under personal accident, any MRI scans, X Ray scans and medical treatment fees can be claimed under PA insurance.
But there’s 1 condition. You must seek treatment within 24 hours upon the accident. Assure the doctor that indeed this accident happen within the past 24 hours.
All claims will be done via pay and claim. You will need to pay for the medical fees first, then submit the claims and be reimbursed afterwards.
As the Chinese saying goes, we never know if accident or tomorrow will come first. However, PA coverage is usually being neglected or excluded when budget is a concerns.
So remember to review your insurance portfolio to ensure you are properly protected for personal accidents.
Stay safe y’all!

30/12/2023

“Do you know what insurance you buy arh?”
Many people know that have insurance. But when asked “how much sum assured you have?” They often stunned and have no idea.
You already paid your premium every month ler, wouldn’t you want to know what you paid for?
Since we are coming into a new year, 2024. It’s the perfect timing to review our own policies. The first step in our financial planning is to know what’s our current status.
Slide into my DM or drop a comment down below to get a FREE one-to-one annual policy review.

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Klang

Telephone

+60115430518

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