Life, investment-linked, medical, motor, fire, commercial and key-person coverage across AmMetLife, Lonpac and Zurich — selected against your situation, not against a sales quota. 人寿、投资连结、医疗、车险、火险、商业险与关键人保险 — 涵盖 AmMetLife、Lonpac、Zurich，按你的情况配置，不按销售指标推荐。 Nyawa, ILP, perubatan, motor, kebakaran, komersial dan key-person — di seluruh AmMetLife, Lonpac dan Zurich. Dipilih ikut keperluan, bukan kuota jualan.
Term, ILP, endowment, BNM minimum allocation, 2024 co-pay rule, PIDM RM 500k floor.定期、ILP、储蓄分红，BNM 最低投资分配、2024 共付制、PIDM RM 50 万兜底。Term, ILP, endowmen, BNM, co-pay.
Read阅读BacaDetariffed motor, NCD ladder, FELO flood add-on for Johor, Houseowner vs Householder split.解禁后车险、NCD 阶梯、柔佛 FELO 水灾附约、HO vs HH 分工。Motor detariff, NCD, FELO, HO vs HH.
Read阅读BacaPL, EL, PI, BI, WCA for foreign workers, machinery breakdown, cyber post-PDPA 2024.PL、EL、PI、BI、外籍 WCA、机损、PDPA 2024 后的网安责任。PL, EL, PI, BI, WCA, siber.
Read阅读BacaFour-stage path (insurer → internal → OFS → court), time bars, doc checklists by claim type.四阶段升级（公司 → 内审 → OFS → 法庭）、时效、按理赔类型的文件清单。Empat peringkat, tempoh, dokumen.
Read阅读BacaAmMetLife Assurance Berhad (formerly AmLife Insurance) is a joint venture between AmBank Group and MetLife Inc. Licensed under the Financial Services Act 2013, regulated by Bank Negara Malaysia. PIDM member — your policy benefits are protected under Takaful and Insurance Benefits Protection System up to RM 500,000 per life. AmMetLife Assurance Berhad（前身 AmLife Insurance）由 AmBank Group 与 MetLife Inc. 合资成立。依《2013 金融服务法》持牌，受马来西亚国家银行监管。PIDM 成员 — 保单利益在《人寿与回教保险利益保障制度》下保障至 每人 RM 500,000。 AmMetLife Assurance Berhad — usaha sama AmBank dan MetLife Inc. Berlesen di bawah Akta Perkhidmatan Kewangan 2013, diselia BNM. Ahli PIDM — perlindungan polisi sehingga RM 500,000 setiap nyawa.
Fixed-period coverage (10/20/30 yrs or to age 70/80) with level premium. Used for mortgage protection, income replacement and key-person buyout funding. No cash value — lowest cost per RM of sum assured.定期保障（10/20/30 年或保至 70/80 岁），保费固定。用于按揭保障、收入替代与关键人股权回购。无现金价值 — 每令吉保额成本最低。Perlindungan bertempoh (10/20/30 thn). Untuk pinjaman, gantian pendapatan, key-person.
Permanent coverage to age 99/100 with guaranteed cash value and non-guaranteed reversionary bonus. Limited-pay (20 / 25 yrs) option locks the premium at issue age. Used for legacy planning and lifelong CI protection.永久保障至 99/100 岁，含保证现金价值 + 非保证年度红利。可选 20 / 25 年限缴，按签发年龄锁定保费。用于财富传承与终身重疾保障。Perlindungan hingga umur 99/100 dengan nilai tunai dijamin + bonus tambahan.
Hybrid policy with sum-assured protection + 6 sub-fund choices (equity, balanced, sukuk, global). Subject to BNM's Minimum Allocation Basis 2019 — guarantees a minimum % of premium goes to investment, not just charges. Critical for younger buyers building a wealth track alongside CI cover.混合型保单：保额保障 + 6 支子基金（股票、平衡、伊斯兰债券、全球）。受 BNM 2019 年最低分配基础（MAB）约束 — 保证保费最低分配比例进入投资，而非全为收费。年轻客群建立财富轨道 + 重疾保障的核心工具。Polisi hibrid: perlindungan + 6 sub-dana. MAB 2019 BNM jamin % premium ke pelaburan.
Cashless hospitalisation rider attached to the base life policy. Annual limit RM 1.5M / 2M / unlimited tier. Subject to BNM's Sept 2024 mandatory co-payment rule for new policies (min 5% co-pay, capped) — designed to dampen medical inflation. Lifetime renewal guaranteed.附加在主险上的无现金住院附约。年度限额 RM 150 万 / 200 万 / 无上限可选。受 BNM 2024 年 9 月强制共付制约束（新保单最低 5% 共付，有上限）— 抑制医疗通胀。终身续保。Penunggang hospital tanpa tunai. Had RM 1.5J / 2J / tanpa had. Tertakluk peraturan co-pay BNM Sept 2024.
Lump-sum payout on diagnosis of covered conditions. Multi-pay variant (up to 300% of SA) splits cancer / heart / stroke / others into 4 claim groups. Early-stage and juvenile riders available. LIAM standard wording v3 (2022) adopted.确诊即赔一次性款项。多次赔付版本（最高保额 300%）将癌症 / 心脏 / 中风 / 其他分四组单独索赔。可附早期与少儿附约。采用 LIAM 第 3 版标准措辞（2022）。Bayar sekali gus selepas diagnosis. Versi multi-bayaran (300% SA), 4 kumpulan tuntutan.
Maturity-payout savings policies for child education (15–20 yr horizon) and retirement (to 60 / 65). Guaranteed cash plus non-guaranteed bonus. Pairs well with PRS (RM 3k tax relief) and EPF i-Saraan top-ups.期满给付型储蓄保单，用于孩子教育（15–20 年）与退休（保至 60 / 65 岁）。保证现金 + 非保证红利。可与 PRS（税务减免 RM 3k）及 EPF i-Saraan 自愿增缴搭配。Polisi simpanan untuk pendidikan & persaraan. Gabung dengan PRS & EPF i-Saraan.
Reducing-balance (MRTA) for home loan, or level-term (MLTA) when you want the family to keep the policy proceeds even if the loan settles early. Single-pay or instalment. Lender assignment per AKPK guidance.递减式（MRTA）按揭险，或定额式（MLTA）— 在贷款提前还清时把保险金留给家人。一次缴或分期。按 AKPK 指引向银行做权益转让。MRTA mengurang / MLTA tetap. Bayar sekali / ansuran. Penyerahan bank ikut AKPK.
Corporate-owned term or whole-life policy on the founder / key operator. Death or TPD payout funds business continuity, key-person buyout, or partnership share redemption. Premiums tax-deductible (LHDN Public Ruling 2/2003).公司持有的关键人定期 / 终身寿险。身故或全残赔款用于业务延续、关键人股权回购、合伙股份赎回。保费可作业务费用扣除（LHDN 公共裁定 2/2003）。Polisi dimiliki syarikat ke atas key-person. Premium boleh ditolak cukai (LHDN PR 2/2003).
General insurance covers non-life risks — fire, motor, theft, liability, business interruption. We compare across Lonpac (LPI Capital, listed on Bursa) for personal lines and value SME stack, and Zurich General Insurance Malaysia (member of the global Zurich group) for complex commercial and specialty risks. 综合保险涵盖非人寿风险 — 火灾、车险、盗窃、责任、营业中断。个人及性价比 SME 套餐用 Lonpac（LPI Capital，马股上市）；复杂商业与特种风险用 Zurich Malaysia 综合保险（全球 Zurich 集团成员）。 Insurans am — kebakaran, motor, kecurian, liabiliti, gangguan perniagaan. Lonpac (LPI Capital) untuk personal & PKS, Zurich untuk komersial kompleks.
Detariffed since 2017 — premium based on insurer's risk model. Cover own-damage, theft, third-party, windscreen. NCD ladder 0–55%. Add-ons: flood (FELO), strike-riot-civil-commotion (SRCC), towing.2017 年解禁费率 — 保费按承保模型定。涵盖自损、盗窃、第三方、风挡。NCD 阶梯 0–55%。可附水灾（FELO）、罢工动乱（SRCC）、拖车。Detariff 2017. NCD 0–55%. Penunggang banjir (FELO), SRCC, tunda.
Building structure cover — fire, lightning, explosion, flood, subsidence. Sum insured = reconstruction cost (not market price). Mandatory under most Malaysian mortgage agreements.建筑物结构险 — 火灾、雷击、爆炸、水灾、地陷。保额按重建成本（非市价）。绝大多数大马房贷合约强制。Struktur — kebakaran, kilat, banjir, mendap. Mandatori dalam pinjaman.
Furniture, electronics, jewellery, personal effects. Separate from HO — both should be held together. Often missing in Malaysian households — claim frequency on burglary is rising in JB outer-ring.家具、电器、首饰、个人物品。与 HO 各自独立 — 建议同时购买。大马家庭普遍漏配 — 柔佛外围入室盗窃理赔频率上升。Perabot, barangan, jewel. Berasingan dari HO — beli sekali.
Accidental death, TPD, weekly indemnity, medical reimbursement. 24-hour worldwide cover. Useful for self-employed individuals without group benefits and for parent-funded children's PA.意外身故、全残、周补、医药报销。24 小时全球。适合无团险的自雇者及家长为孩子配置的 PA。Kematian kemalangan, TPD, mingguan. 24 jam global.
Trip cancellation, medical evacuation, baggage, flight delay. Annual multi-trip useful for SG-MY commuters & family RTS day-trippers. COVID coverage default-included since 2023.行程取消、医疗后送、行李、延误。年度多次出行适合新马通勤与 RTS 一日游家庭。2023 年起默认含 COVID 保障。Pembatalan, evakuasi, bagasi. Tahunan untuk komuter SG-MY.
Single-pay fire policy assigned to the bank for the loan period — distinct from life-side MRTA. Often bundled at SPA stage; Lonpac is one of the panel insurers across major MY banks.一次缴的火险，按贷款期向银行做权益转让 — 与寿险侧 MRTA 不同。SPA 阶段常一并办理。Lonpac 是各大银行的合作承保。Polisi kebakaran sekali bayar untuk pinjaman.
Institute Cargo Clauses (A/B/C). Open cover for traders importing through Pasir Gudang & Port Klang. Per-shipment declaration via online portal.协会货物条款 A/B/C。开放式承保，适用经巴西古当与巴生港进口的贸易商，逐票上线申报。ICC A/B/C — pelabuhan Pasir Gudang & Klang.
Standard fire wording for stand-alone shop-lots, café outlets, professional offices. Add-ons: flood, SRCC, machinery breakdown, BI rider (8–12 months gross-profit cover).独立店屋、咖啡店、专业办公的标准火险措辞。可附水灾、SRCC、机损、BI（8–12 个月毛利覆盖）。Kedai, kafe, pejabat. Banjir, SRCC, BI 8–12 bln.
Mandatory hospitalisation & surgical scheme for foreign workers under the Ministry of Health's SKHPPA framework. Inpatient cover at government & panel hospitals; required for work-permit renewal.外籍员工强制住院与手术计划（卫生部 SKHPPA 框架）。政府与特约医院住院保障；工作证续签必备。Skim hospital & pembedahan wajib pekerja asing (SKHPPA KKM). Perlu untuk pembaharuan permit.
All-in-one cover — building, machinery, stock, electronic equipment. Sum insured up to RM 50M per location. Multi-site schedules. Replacement-cost basis preferred over indemnity.一体化承保 — 建筑、机器、存货、电子设备。每点位保额最高 RM 5000 万，多点位排程。优先重置成本而非赔偿基础。Bangunan, mesin, stok, elektronik. SI hingga RM 50J / lokasi.
Third-party bodily injury & property damage from your business operations. Limits RM 250k – RM 5M per event. Required by many shopping mall & mixed-development tenancy agreements.业务行为致第三方人身或财产损害。事故限额 RM 25 万 – RM 500 万。商场及综合体租约普遍要求。Liabiliti pihak ketiga. RM 250k – RM 5J / kejadian.
Defective-product injury / damage to consumers. Critical for F&B (allergens, contamination), manufacturing, distributors. Worldwide jurisdiction add-on for cross-border SG/MY sellers.缺陷产品致消费者人身 / 财产损害。F&B（致敏、污染）、制造、分销必备。可加全球司法权附约，适合 SG/MY 跨境卖家。F&B (alergen), pengilang, pengedar.
Required by MIA-registered audit firms, BEM-registered engineers, KPKT architects, AKPK-licensed financial planners. Defence costs included. Claims-made basis with run-off cover.MIA 注册审计、BEM 注册工程师、KPKT 建筑师、AKPK 持牌财务规划师必备。含抗辩费用。索赔提出制，含尾期保障。Audit, jurutera, arkitek, perancang kewangan.
Covers gross-profit loss + ongoing expenses while business is shut after an insured loss. Indemnity period 6 / 12 / 18 / 24 months. The decisive cover after the 2021 Klang Valley floods.承保赔付期内毛利损失 + 持续费用。赔付期 6 / 12 / 18 / 24 个月。2021 巴生谷大水灾后这一项的价值最为凸显。Kerugian keuntungan kasar selepas tutup. 6–24 bulan.
Sudden mechanical / electrical failure of plant machinery, compressors, lifts, generators. Electronic Equipment Insurance (EEI) for IT servers, NVRs, point-of-sale.工厂机械、压缩机、电梯、发电机的突发机械 / 电气故障。EEI 含 IT 服务器、NVR、POS。Mesin, lif, generator. EEI untuk server & POS.
Group Hospital & Surgical, Group Term Life, Group Personal Accident — pooled rating, no medical underwriting. Standard SME benefit-stack for 10–200 employees. Premiums tax-deductible.团体住院手术、团体定期寿险、团体意外 — 池化定价，免体检。10–200 人 SME 标准员工福利栈。保费可税前扣除。GHS, GTL, GPA — tiada pemeriksaan perubatan. Boleh tolak cukai.
Data-breach response, regulatory fines defence, business-email compromise, ransomware extortion. Critical after PDPA Amendment 2024 — RM 500k fine + 3-year jail per breach.数据泄露响应、监管罚款抗辩、商务邮件诈骗、勒索软件赎金。PDPA 2024 修正后愈发关键 — 每起最高罚款 RM 50 万 + 3 年监禁。Pelanggaran data, ransomware. Selepas pindaan PDPA 2024.
Project-based cover for civil construction (CAR) and erection of plant & machinery (EAR). Sum insured = contract value + materials. Often a CIDB tender prerequisite.按项目承保土建（CAR）与机器安装（EAR）。保额 = 合约价 + 物料。CIDB 招标常列为前提条件。Pembinaan (CAR), pemasangan loji (EAR). Prasyarat tender CIDB.
Two columns — your household and your business — diagnosed in the same conversation. 家庭与企业两条线，在同一通对话里诊断完毕。 Dua lajur — rumah tangga dan perniagaan — didiagnosis dalam satu sesi.
Income, dependents, debts, business exposure — captured in one form.收入、家眷、负债、企业敞口 — 一份表格搞定。Pendapatan, tanggungan, hutang, perniagaan.
Multi-carrier shortlist with premium, claim ratio and exclusions.多家方案对比：保费、理赔率、除外责任全摊开。Premium, nisbah tuntutan, pengecualian.
Recommendation in one page. Backed by CMII-grade documentation (Malaysian Insurance Institute standards) and BNM Product Disclosure Sheet (PDS).一页纸建议 + CMII（马来西亚保险学院）级专业文档及 BNM 产品披露书 (PDS) 支撑。Cadangan satu muka surat + dokumentasi CMII (Malaysian Insurance Institute) & PDS BNM.
When it matters most, we file and chase it with you — not from the sidelines.真正用上时，我们和你一起跟进，不旁观。Kami uruskan tuntutan bersama anda.
As an Associate RFP we are bound by the Malaysian Financial Planning Council (MFPC)'s code of ethics. As a holder of The Certificate of The Malaysian Insurance Institute (CMII) we operate under the Malaysian Insurance Institute's professional standards and Bank Negara Malaysia's Financial Services Act 2013. Both mean: you get advice that fits, not advice that earns. 作为副 RFP，我们受 MFPC（马来西亚财务规划师公会）职业道德规范约束；作为 马来西亚保险学院证书（CMII） 持证人，我们遵守马来西亚保险学院专业准则及马来西亚国家银行《金融服务法 2013》。结果是：我们给你的是合适的建议，不是赚钱的建议。 Sebagai Associate RFP, kami mengikuti kod etika MFPC. Sebagai pemegang Sijil The Malaysian Insurance Institute (CMII), kami terikat dengan piawaian profesional MII dan Akta Perkhidmatan Kewangan 2013 (BNM). Maknanya: nasihat sesuai, bukan nasihat untung.
No "best" plan exists in isolation — only the right plan for your stage. Here's the honest tradeoff between the three categories we use most. 没有所谓“最好”的方案 — 只有适合你这个人生阶段的方案。下面把三类常用方案的取舍摊开。 Tiada pelan "terbaik" — hanya pelan yang sesuai. Tradeoff antara tiga kategori utama.
Three desk-files, simplified. Numbers rounded but representative of mid-2025 quotations. 三个简化案例。数字已圆整，但反映 2025 年中市场报价。 Tiga fail dipermudahkan. Angka dibulatkan, mencerminkan sebut harga pertengahan 2025.
Combined income RM 22k/mo, RM 720k housing loan, child age 3. Both healthy non-smokers. No prior plans except company group medical.夫妻月入合计 RM 2.2 万，房贷 RM 72 万，孩子 3 岁。皆健康无烟。除公司团体医疗外无私人保单。Pendapatan gabungan RM 22k/bln, pinjaman rumah RM 720k, anak 3 thn.
F&B chain, 3 outlets in JB, equipment + stock RM 1.4M. Owner is the chef and operator. Director loan to company RM 600k.三家 F&B 门店，设备 + 库存约 RM 140 万。老板既是主厨也是营运者。董事垫款给公司 RM 60 万。Rangkaian F&B 3 cawangan JB. Peralatan + stok RM 1.4J. Pemilik ialah operator utama.
Engineer, RM 9k/mo, single, no dependents, family history of diabetes. Wants to lock low premium while healthy and start a wealth track.工程师月入 RM 9k，单身无家眷，家族糖尿病史。希望在身体好时锁低保费，同步开始财富积累。Jurutera RM 9k/bln, bujang. Mahu kunci premium rendah dan bina kekayaan.
Selling a policy is the easy half. The bar we hold ourselves to is what happens after — first-submission claim success, average reimbursement time, and how many clients are still with us five years on. 卖保单只是简单的一半。我们真正自我要求的是后续 — 首次提交理赔通过率、平均赔付到账时间，以及五年后还在我们这里的客户数。 Jualan adalah separuh mudah. Standard kami ialah selepas itu — kadar lulus tuntutan, masa pembayaran, retensi 5 tahun.
My mum was admitted at 2am for a cardiac event. By the time we reached the ward, Nicholas had already flagged the medical card to the hospital's billing desk. Zero up-front cash.母亲凌晨两点心脏住院。我们到病房时，Nicholas 已经把医药卡通知到医院账务台。一分钱都没先垫。Ibu saya dimasukkan jam 2 pagi. Sampai di wad, Nicholas sudah maklumkan kad perubatan ke kaunter hospital. Tiada bayaran muka.
A pipe burst on the floor above mine and damaged most of the unit. Lonpac's adjuster was on site within 48 hours; I had 70% of the claim disbursed before the renovation contractor even started.楼上爆水管，我家几乎全淹。Lonpac 理赔员 48 小时内到场。装修工人都没开工，70% 赔款已经到账。Paip pecah di tingkat atas. Pelaras Lonpac sampai dalam 48 jam; 70% tuntutan dibayar sebelum kontraktor mula.
A customer slipped at one of our outlets. The legal letter arrived a week later. Zurich's panel lawyer took over; we just had to sign documents. The brand survived intact.门店有顾客滑倒，一周后律师函就到。Zurich 的代理律师全程接手，我们只签字。品牌名声没受影响。Pelanggan tergelincir di kedai. Surat peguam datang seminggu kemudian. Peguam Zurich uruskan; kami hanya tandatangan.
CMII · Associate RFP. Bilingual support in English, 中文 and Bahasa Malaysia. CMII · 副 RFP。中英巫三语沟通。 CMII · Associate RFP. Sokongan tiga bahasa.