MONEY MOVES MALAYSIA

❓ Question: If you already have Life, Critical Illness (CI) and Health Insurances (LIVE), do you still need a Personal Accident (PA) policy? Isn’t LIVE enough? You can also watch it here, to know the answer: 👇  ✅ Answer: That’s a great question — and one that reveals a common misunderstanding about insurance coverage. While LIVE (Life, Critical Illness, and Health Insurance) plans are crucial for comprehensive protection, they do not cover all accidental outcomes  — especially partial disabilities or injuries . This is exactly where a Personal Accident (PA) plan becomes essential. Let’s explore why: 🔍 1. PA Covers What LIVE Doesn’t: PA insurance offers specific payouts for accidental injuries and losses , many of which would not be claimable under traditional LIVE policies. For example, loss of sight in one eye due to an accident is payable under a PA policy . But under life insurance, the Total Permanent Disability (TPD) benefit only pays if there is perman...

3 Guaranteed Financial Habits Anyone Can Start for a Wealthier Life! You can watch it in YouTube video, the summary of the blog in the form of conversation where the audio is created using Google’s NotebookLM, instead of reading the blog: Blog Starts Here: Achieving financial success often seems complicated, but in reality, it’s rooted in simple habits that anyone can adopt. Regardless of your current financial situation or background, there are a few fundamental practices that can set you on the path to financial security. You don’t need special skills or a large income to get started—what matters is consistency and discipline. Here are three financial habits you can begin today to improve your financial future: 1. Save More by Spending Less: Adopt Frugality Frugality isn’t about depriving yourself of things you enjoy—it’s about making smarter spending decisions so that you can save more and live within your means. By cutting down on unnecessary expenses, you create extra room in your...