Investment-Linked Life Insurance in Malaysia – Grow Your Wealth While Securing Your Future
Investment-Linked Life Insurance (ILLI) in Malaysia combines life protection with investment opportunities, allowing policyholders to grow their wealth while enjoying financial security. With flexible premiums and a variety of investment funds to choose from, this type of insurance is ideal for individuals seeking both protection and capital appreciation. Your premiums partly cover insurance protection, while the remainder is invested in selected funds based on your risk appetite.Key Point:
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Dual Purpose – Provides life insurance protection along with potential investment growth.
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Flexible Premiums – Adjust your contributions according to your financial goals and capacity.
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Variety of Funds – Choose from equity, bond, balanced, or money market funds tailored to your risk tolerance.
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Potential Higher Returns – Investment component offers the possibility of better returns compared to traditional insurance.
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Policy Value Transparency – Track the value of your investments and insurance coverage anytime.
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Partial Withdrawals & Surrenders – Access your investment savings as needed, subject to policy terms.
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Estate Planning – Helps in wealth transfer to beneficiaries with life cover protection.
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Tax Advantages – Eligible for tax relief under Malaysian tax regulations (subject to conditions).
马来西亚投资型人寿保险—财富增值，保障未来
马来西亚投资型人寿保险 (ILLI) 将人寿保障与投资机会相结合，让投保人在享受财务安全的同时实现财富增长。凭借灵活的保费和多种投资基金选择，这种保险是寻求保障和资本增值人士的理想之选。您的保费一部分用于保险保障，剩余部分将根据您的风险承受能力投资于选定的基金。要点：
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双重用途 - 提供人寿保险保障，并具有潜在的投资增长潜力。
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灵活保费 - 根据您的财务目标和能力调整您的缴费。
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多种基金 - 根据您的风险承受能力，选择股票型、债券型、平衡型或货币市场基金。
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潜在更高回报 - 与传统保险相比，投资部分可能带来更高的回报。
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保单价值透明 - 随时追踪您的投资和保险保障价值。
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部分提取和退保 - 根据保单条款，您可以根据需要提取您的投资储蓄。
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遗产规划 - 有助于将财富转移给受益人，并提供人寿保险保障。
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税务优惠 - 根据马来西亚税法规定，符合税务减免条件（需符合相关条件）。
