AIA Choo Win Kong - MLTA

18/12/2021

【银行内幕大爆料】银行绝不公开的省房贷手法！
省房贷的实际操作，满满的干货，建议点击阅读，让你省下大笔大笔的房贷！
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#保险
#医药卡
#储蓄
#人寿保险
#疾病保险
#房屋保险

09/12/2021

MRTA - A life insurance plan with a decreasing sum assured over time, used to pay your outstanding home loan in the event of death or total permanent disability.
MLTA - Similar to MRTA, except that it has a constant sum assured over time, and the pay-out is to the outstanding home loan AND your nominated beneficiary.

Which Offers Greater Protection?
MLTA offers greater protection as the amount insured remains the same throughout the life of the loan, even though the amount that you owe the bank will decrease over the years.

This means that on top of mortgage protection, an MLTA also is also a form of savings and has a guaranteed fixed cash value throughout the tenure of the loan.

In comparison, the amount insured under MRTA declines each year and will reach zero at the end of 30 years.

Moreover, only the lender will be entitled to the insurance payout under MRTA, while you can nominate anyone to be the beneficiary under an MLTA insurance policy.

Furthermore, since the MRTA is calculated based on the loan amount plus interest rates at the time of purchase, and since home loan interest rates in Malaysia can increase, there's a risk that the MRTA's value declines at a faster rate than the remaining loan value.

Here's a simplified example:

Under an MRTA scenario, if a borrower has been diligently paying his RM450,000 housing loan but suffered death or permanent disability after 10 years, the bank will receive RM411,300 from the insurance provider to pay off the loan.

If there has been an increase in interest rates, this amount may be insufficient to cover the remaining loan balance.

This means the borrower's family may still need to fork out some cash to fully repay the mortgage, otherwise they’ll lose their home.

If there are no untoward incidents and the borrower successfully pays off the loan in 30 years, he/she will get nothing from the MRTA policy.

Safe to say, he/she would not have accumulated any savings that can be cashed in upon maturity of the policy.

Under an MLTA scenario, if anything happens to you, your family will always receive RM450,000 from the insurance provider to pay off the remaining balance of the housing loan.

Any difference between what is owed to the bank and the value of the policy will go to your family. This is why an MLTA is often regarded as a form of life insurance as well.

09/12/2021

多数人在购买房子时，都会被银行要求购买房屋贷款保险。房屋贷款保险主要是保障拥屋者发生意外或死亡后有一个供款保障。市面上有两种房屋贷款保险，分别是递减式房贷保险(Mortgage Reducing Term Assurance，简称MRTA) 和抵押定额式房贷保险(Mortgage Level Term Assurance，简称MLTA)。

MRTA比较倾向为购买保障，MRTA 是为一间固定那间屋子购买保险，不可以转去其他屋子的。 MRTA的好处是其较为便宜，但需要一次性付清，但其保费是计算在屋贷内，因此在供款时购屋者并不会有多大的分别。大部份的人购买的房贷保险是 MRTA，因为比较便宜，

而MLTA则类似人寿保险的设计，可依业者的需求而增加，比如可多附加36种危疾保障和36种危疾免缴保费利益，以伸缩性规划加保所需的保障范围。

很多人对购买房屋贷款保险概念模糊，反正都是预算在屋贷内，因此很多人并没有仔细分析到低哪一种保险比较适合自己。

如一个人拥有超过一项房产，选择MLTA将是比较被鼓励，因为购买MLTA保险更能给业主有规划性的保障与利益。但MLTA的保费也比较贵，至於付款方式则较灵活，可选择以每月、每季、每半年或每年分期缴付。

04/07/2021

[July Update]
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✅ Covered Admission due to Side Effect Covid Vaccination

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012 - 3190848 (Choo)

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12/06/2021

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联络号码📱
💁‍♂️ Choo Win Kong
📞 012 - 3190848

07/06/2021

成功就是复制

05/06/2021

你选对你的轨道了吗？😉

04/06/2021

为了鼓励大马人民接种新冠肺炎疫苗，AIA提供 *免费* 疫苗接种💉保险保障

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04/06/2021

Thank you, AIA for the award😊✌️
Will continue the good work 💪💪

MDRT Awards Virtual Presentation 2020/2021

02/06/2021

19/02/2021

【 注射Covid19新冠肺炎疫苗】
【 接种后出现并发症/副作用/不良反应】
【 医药保险有赔吗？】

📢 AIA 再次补充， #照赔！

🎗政府宣布Covid19疫苗接种措施将从2021年2月尾开始实施，估计以三个阶段进行直到2022年2月。

🎗AIA 再次率先宣布「任何因新冠疫苗接种而引发或产生的并发症、副作用、不良反应，导致需要入院进行医疗服务的费用，都可以从AIA医药保险索赔！」

⚠️注意哦⚠️

✅接种或注射的必须是由政府及受权单位认可和批准的新冠疫苗.

✅还有注射疫苗接种的费用，也不在受保范围噢.


#新冠疫苗
#副作用
#后遗症
#不良反应