What We Provide


Health is wealth. Life insurance cannot replace our health but it can help to minimise our financial losses when met with mortal uncertainties. Life insurance is a contract between us and the insurance company. It becomes more meaningful when there is promise and love between ourselves and our family members, it provides an assurance to our family’s food & shelter.

We specialise in life insurance and takaful benefits such as Critical Illness, Death, Total Permanent Disability, and Medical.


It is a contract of cover non-life benefits such as health insurance, travel insurance, motor insurance, marine insurance, home insurance, and commercial insurance etc.

The main reasons why should go for insurance is to protect ones belongings and assets against financial lost.


Will is an estate planning tool. It is a legal document in which you declare your wishes in writing for your loved ones and how to distribute your assets to take effect after you pass on. The advantages of a Wills to avoid the estate frozen longer time, hassle free, cost saving and avoid fighting amongst the beneficiaries.

Having a will also means that you, rather than the laws decide who gets your estate when you die.


Trust is one of the Estate Planning Tools. It provides for Preservation, Distribution, and Protection of Wealth. It is the most superior estate planning tool amongst all available tools.

A Trust is where the Settler assigns the assets to the Trustee who is under a legal obligation to hold and manage the assets for the benefit of the beneficiaries for a duration of time.

It can be a living trust or testimony trust, revocable, or irrevocable. Recently, the most common trusts set-up by the public is Insurance Trusts or Cash Trusts.


It is a type of regular savings trust with fixed amounts. Traditional savings methods, such as bank deposits, often only offer low returns. Savings trust is expected to provide better returns, so it has been favoured by consumers since its in the market.

It can be used as a preferred tool for education and retirement planning because of its highly flexible products and a variety of term options including “three-year deposit with a five-year maturity” and “three-year deposit with a ten-year maturity” scheme.

It also has the advantage of faster transfer to beneficiaries without any legal documents such as Letter of administration or Grant of Probate. It’s also creditor prove for bankrupt.


It is a Trust created by you wherein you place a sum of cash in a Trust. The said sum of cash will be made available to your named Beneficiary/ies in the event of an emergency. It provides swift cash for emergencies and to tide your family over until any insurance payout, until they have access to the money in your bank accounts or until the Will receives probate. It also has the advantage of faster transfer to beneficiaries without any legal documents such as Letter of administration or Grant of Probate. It’s also creditor prove for bankrupt.

“cash trust” typically refers to a type of financial tool or financial arrangement where settlor pool their money together to be managed by a professional fund manager. The primary objective of a cash trust is to preserve the capital while generating income through investments in low-risk assets such as cash equivalents, short-term bonds, or money market instruments. Cash trusts are often favoured by people seeking stability and liquidity, as they typically offer relatively stable returns with lower risk compared to other types of investments. They are commonly used for short-term savings goals, as well as for preserving capital in uncertain market conditions.


Investment is generally constructed as the conversion of surplus money to financial assets that are expected to generate income or capital gain to the investor’s wealth (sources from MFPC M3).

2 types of investment vehicles: Short-term investment vehicle such as deposit accounts with bank short term treasury bills and bonds, money market, etc. Long-term investment vehicles such as Property, share, bond, tangibles & collectibles, etc.