59% of Malaysians feel adequately insured. But only 35% can sustain their lifestyle beyond 6 months without income. That gap is the difference between feeling safe and being safe. Here's how to check yours.
Answer these honestly. No one sees your answers — this is for you.
01.If your income stopped tomorrow, how many months could your family maintain their current lifestyle?
Aim for at least 6 months. If your answer is under 3, you're in the 29% of Malaysians in immediate danger.
02.Do you know the exact sum assured on your life insurance policy — right now, without checking?
LIAM recommends 10x your annual income. Most Malaysians carry less than half that.
03.If diagnosed with a critical illness tomorrow, does your coverage pay out enough to replace your income for 2-3 years of recovery?
The LIAM guideline is 4x your annual income. Medical cards pay hospitals — they don't replace your salary.
04.When did you last review your insurance coverage with your agent?
If the answer is "never" or "more than a year ago," your coverage is almost certainly out of date. Life changes — marriage, children, mortgage, salary growth — mean coverage needs change too.
05.Would your family know exactly which policies exist, where to find them, and how to claim — without calling you?
Most don't. A simple policy file shared with your spouse or next-of-kin takes 15 minutes to set up.
The protection gap isn't your fault. It's a systemic problem in how insurance is sold in Malaysia.
They collect the commission and move on. No annual reviews, no life-stage check-ins. Your policy stays frozen while your life moves forward.
You bought a medical card at 25 with an RM50,000 annual limit. At 35 with two kids and a mortgage, you're still on the same plan. Medical inflation alone is 12% per year — your coverage erodes while you're not looking.
Your employer's group plan feels like enough — until you change jobs. Malaysia has one of the highest job-hopping rates in the region. The moment you resign, that coverage vanishes.
Without a benchmark, any coverage feels adequate. Our job is to give you the numbers — what LIAM recommends, what your peers in Klang Valley actually carry, and what your specific situation demands.
We don't just sell you a policy and disappear. We offer an obligation-free coverage review — we'll look at what you have, identify gaps against LIAM benchmarks, and show you exactly what it would cost to close them. No pressure. No confusing language. Just the numbers so you can decide.
The LIAM benchmarks referenced on this page are general guidelines and may not apply to every individual situation. Actual coverage needs depend on your personal circumstances, dependants, liabilities, and financial goals. A personalised review considers factors beyond the scope of this page.
Ready to check your real coverage? WhatsApp us for a no-obligation review.
WhatsApp Us