Most Malaysians are underinsured by RM 400,000+. Check your protection gap in 60 seconds. By Keith Tew — MDRT 7×, Penang.
Estimates for education only, not financial advice. Products underwritten by AIA Bhd. A licensed advisor will tailor the numbers to your real situation.
This calculator uses the needs-based approach advisors use in practice: (annual income × years of support) + outstanding debts + children's education − what you already have (existing coverage and liquid savings). The result is the lump sum your family would need to maintain their life if your income stopped tomorrow — through death, total disability, or a critical illness that ends your career.
Keith Tew has facilitated over RM 4 million in claims across Penang, Butterworth, Bukit Mertajam and Seberang Jaya — he has seen first-hand which families were prepared and which were not. The difference was never luck; it was a 30-minute review done early.
A practical formula: 10 years of income + debts + education funds − existing coverage. For a RM 5,000/month earner with a mortgage and two children, this is often RM 800k–1.2M.
The difference between what your family would need and what your current policies pay. Most Malaysian families are underinsured by RM 400,000+.
They help, but EPF balances are usually far below 10 years of income, and SOCSO benefits are limited. Neither replaces proper life and CI coverage.
Not necessarily — term and investment-linked structures provide large coverage affordably, especially when you start young and healthy.
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