KS Life Planner

KS Life Planner AIA Life Planner

📍AIA ʟɪғᴇ ᴀᴅᴠɪsᴏʀs | Malaysia
Owned by KS Lam Exclusive - reg no. 202603021415 (AS0509121-D)
Insurance | Retirement | Savings | Medical | Home Loan | Investment | Funds |

【债权豁免保证】是老板们的救星吗？还是家人的盾牌？债权豁免保证是确保其他人（例如：债主/银行/金融机构）无法从受益人那里得到一分钱(creditor proof)。保险的索赔功能： 1. 转移风险 2. 债权豁免保证 3. 财务杠杆的功能 ...
27/01/2026

【债权豁免保证】
是老板们的救星吗？还是家人的盾牌？

债权豁免保证是确保其他人（例如：债主/银行/金融机构）无法从受益人那里得到一分钱(creditor proof)。

保险的索赔功能：
1. 转移风险
2. 债权豁免保证
3. 财务杠杆的功能
4. 现金流

#储蓄 在 #保险 的四大好处：
1) #债权豁免保证
2) #分散风险
3) #培养储蓄习惯
4)
趁年轻购买以得到更低的价格

欢迎询问并联系我
https://wa.me/60138490912
[email protected]

26/01/2026

今年火🔥马年，送金给顾客。
马到成功 999 🟨✨

不宜送日记📖和日历📅，两者属木。😂

#火马年
#2026

【收入替代】 你知道吗？为什么您需要重大疾病保障？？与其他国家相比，马来西亚人年轻时心脏病发作的比例更高。如果不采取预防措施，到 2040 年，四分之一的马来西亚人将受到中风的影响。我们永远不知道我们是否以及何时会被纳入重大疾病的统计数据中...
26/01/2026

【收入替代】
你知道吗？

为什么您需要重大疾病保障？？

与其他国家相比，马来西亚人年轻时心脏病发作的比例更高。
如果不采取预防措施，到 2040 年，四分之一的马来西亚人将受到中风的影响。
我们永远不知道我们是否以及何时会被纳入重大疾病的统计数据中。

-->从危重疾病中完全康复的过程可能是一个漫长而费力的过程。这可能会给您带来损失。
-->当然，医疗保险可以支付治疗费用。

但是，一旦被诊断危重疾病，我们经常忽视以下费用：
1. 长期医疗
2. 寻求替代治疗
3. 聘请保姆
4. 支付您的家庭财务义务
5. 保持您的财务计划和目标

欢迎想了解的来联系我
https://wa.me/60138490912
[email protected]

【医药卡】需要吗？什么时候需要医药卡？很多人都说医药卡是有钱才要买的自己没有多余的钱拿去买医药卡！😞😞千万不要把医药卡当成一个 #负担 ，把医药卡当成一个 #保障 ！医药卡能够扭转局势，成为第一个有效的保护你的资产。医药卡需要注意些什么...
19/01/2026

【医药卡】需要吗？
什么时候需要医药卡？

很多人都说医药卡是有钱才要买的
自己没有多余的钱拿去买医药卡！😞😞

千万不要把医药卡当成一个 #负担 ，把医药卡当成一个 #保障 ！
医药卡能够扭转局势，成为第一个有效的保护你的资产。

医药卡需要注意些什么呢？

1. 年度限额 (Annual Limit) & 终身限额 (Lifetime Limit)
2. 单一医疗卡 (Standalone Medical Card) VS 投资型医疗卡 (Investment Link Medical Card)
3. 共同保险 (Co-insurance) & 特别的上限 （Sublimit）
4. 病房（Room & Board）
5. 等候期 (Waiting Period)
6. 申报身体状（Medical Underwriting）

但是，一旦没被诊断疾病，我们经常忽视医药卡....

欢迎想了解的来联系我
https://wa.me/60138490912
[email protected]

30/09/2025

💼 Preserve Wealth. Protect Legacy. Plan with Purpose.
Introducing the AIA Infinite Heritage Short — a legacy planning solution tailored for high-net-worth individuals.

As your wealth grows, so should your strategy for preserving and passing it on. With the KWSP withdrawal threshold set to rise to RM1.1 million in 2026, RM1.2 million in 2027, and RM1.3 million in 2028, it’s clear that the future of retirement and estate planning is shifting — and the time to act is now.

🔑 Why AIA Infinite Heritage?
✔️ Short premium payment terms, lifetime coverage
✔️ Efficient estate planning tool – complement your KWSP with liquidity for your heirs
✔️ Minimize estate duty impact and preserve more for future generations
✔️ Legacy certainty — secure meaningful wealth transfer, beyond investments
✔️ Backed by AIA’s proven strength and commitment to your long-term goals

With rising KWSP thresholds, the ability to access and protect your capital becomes more crucial than ever. AIA Infinite Heritage Short offers a powerful, flexible solution that works in tandem with your retirement and succession plans.

📲 Connect with your AIA Life Planner or Private Wealth Advisor today to structure a legacy that transcends generations.

19/08/2024

Why do you need to plan for insurance❓
In fact, you only need to consider these two reasons to make up your mind ‼ ️‼ ️

1️⃣Income Protection
You can't never imagine that you are in a critical illness situation as you have not experienced it. At that time, you still need someone to take care for your bills and even daily expenses ‼ ️

2️⃣ Forced-saving
Do you ever think that you will need some cash somewhere in future❓ If not, better have. If yes, how have your savings works ❓ Through forced-saving, you will have some cash in the future ‼ ️Better safe than sorry, think of retrenchment or mid-life crisis where you need cash for your own needs ‼

We provide the following services:
✅Medical Card ✅Life Insurance Policy ✅Accident Insurance Policy ✅Ladies Plan ✅Savings Policy
⚠️Policy review
⚠️I'm offering TAKAFUL as well ! If you are looking for Syariah compliance policy.

Insurance is not used to change lives, but to prevent lives from being changed 🫵

Contact me here:
KS https://wa.me/60138490912

17/08/2024

Are you new to properties investment❓
Are you keen to invest in more than 1 properties/assets❓

Do you know that❓
You can still have 90% for your next properties mortgage rate (LTV)❓

According to bank negara’s housing buying policy, if the buyer have two unpaid mortgages in their name, the percentage of their next mortgage can only up to 70%.

What can you get❓

✅Fixed mortgage rate
✅Reduce On-Paper Commitment (ccris)
✅More Cash Flow for Rolling
✅90% lending rate for your next property!!!

Contact us now ❗
WE will contact you within 1 business day with free ctos report (if need) and full advise to improve your financial status.

14/08/2024

❗You have PROPERTY❓Need CASH on hand❓Business expansion❓Come take a look❗

Do you want to have❓
✅ Fixed mortgage rate
✅ Reduce On-paper Commitment
✅ Business Expansion
✅ More Cash Flow for Rolling

If you are having properties loan like :
1️⃣ House
2️⃣ Landed
3️⃣ Condominium
4️⃣ Bungalow

We can help to optimise your investment and maximise business rolling.

Want to know how we do it❓Click the button below now❗
Our consultant will contact you within 1 working hour with FREE CTOS Report(if need), & full advise to solve your financial issue NOW 💰

Click the LINK below NOW 👇👇👇

100Lives Campaign Giveaway! #3Both medical cards and lady insurance are essential in their own ways, serving different ...
06/05/2024

100Lives Campaign Giveaway! #3
Both medical cards and lady insurance are essential in their own ways, serving different purposes. Here is a comparison of these two plans.

While both plans are important, a medical card provides comprehensive coverage for overall healthcare needs, while lady plan specifically addresses women's health concerns and it’s a shield that offers peace of mind in an unpredictable world.

Invest in yourself ladies!💪🏼 It’s a decision that prioritise your health, well-being and financially stability. 👸🏻

Call/WhatsApp me at https://wa.me/60138490912

Pm me to get a free quote ! Get your time-limited giveaway gift set and maybe a lucky draw gift too!!






100Lives Campaign Giveaway! #2Serious illnesses need serious protection and Protection plan is here to help you through...
05/05/2024

100Lives Campaign Giveaway! #2
Serious illnesses need serious protection and Protection plan is here to help you through.

Get covered if you’re diagnosed with a critical illness. Life Essentials will give you a lump sum to help you with your medical treatment so you can focus on getting better.

Secure additonal coverage and get a time-limited giveaway gift or maybe a lucky draw gift !!

Call/WhatsApp
https://wa.me/60138490912





I'm here to ensure that you're prepared for the unexpected, MANY are not.

100Lives Campaign Giveaway!Medical Plan 180 /Plan 250 /Plan 3501️⃣ Medical cost coverage2️⃣ No Lifetime Limit3️⃣ Room & ...
04/05/2024

100Lives Campaign Giveaway!
Medical Plan 180 /Plan 250 /Plan 350
1️⃣ Medical cost coverage
2️⃣ No Lifetime Limit
3️⃣ Room & Board
4️⃣ Outpatient treatment coverage

Grab your chance to secure a comprehensive medical protection at the lowest rate now ! ! !

Secure additonal life coverage and get a time-limited giveaway gift essence and maybe a lucky draw gift !!!


Call/WhatsApp
https://wa.me/60138490912


Address

Relau

Telephone

+60138490912

Website

https://www.facebook.com/ks8111, https://rb.gy/1vk555

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