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Legacy Planning · Karen Advisory

Your life built
this family.
Legacy Boost ensures
it outlives you.

Most Malaysians have insurance. Very few have a legacy. There is a difference — and it's worth understanding before life forces the lesson.

Read Mr Tan's Story Jump to Calculator
RM 1.3T
Malaysian wealth transfer expected by 2030
72%
of insured families still have a legacy gap
6 mos
average probate wait without nomination
Without vs. With Legacy Boost
Family receivesRM 200,000 vs RM 1.5M
Home loan cleared✗ Cannot
Children's education✗ At risk
Wife's monthly income✗ None
Family stays in home✗ Must sell
Flip this story with a plan that costs less than you think.
The Uncomfortable Truth

Debt-free is not the same as legacy-ready

Paying off your debts is survival mode. Legacy planning is about what you leave behind — the resources that give your family a head start, not just a clean slate.

💸
Debts disappear — and so does your income
When you die, your salary stops. Even if debts are cleared, your family no longer has the monthly income they depend on to live, pay school fees, buy food, and maintain the home.
📋
Insurance pays claims — not monthly income
A basic life policy pays once. It does not replace the RM 8,000 a month your family was living on. Within months, that lump sum runs out. Legacy Boost structures coverage to generate ongoing support.
⏳
EPF and assets take months to access
Probate takes 6–18 months in Malaysia. Without proper nomination, your family cannot touch your savings, FD, or property — right when they need it most. Insurance is the only asset that pays in days.
"Clearing debt is survival. Legacy is giving your family a head start — the mortgage paid, the education funded, and the monthly income to keep going without you."
— Dr. Karen Gan, Licensed Insurance Business Partner
A True-to-Life Story

Meet Mr Tan Wei Ming

He's not a financial expert. He's a father who worked hard, bought a house, and did what he thought was enough.

👨‍👩‍👧‍👦
Mr Tan Wei Ming
42 years · Engineer · Cyberjaya, Selangor
Monthly Income
RM 8,500
Monthly Expenses
RM 6,500
Home Loan
RM 450,000
Other Debts
RM 45,000
Life Insurance
RM 200,000
Dependants
Wife + 2 Kids
"I've been paying insurance for 15 years. My family should be fine."

— Mr Tan, 2 weeks before his diagnosis
What his family would actually receive
Home Loan Coverage13% covered
Income Replacement (5 yrs)39% covered
Education Fund (2 children)0% covered
Wife's Monthly Income0% covered
RM 1,160,000
Legacy Gap — the difference between what his family has and what they need
Read what happens next →
Mr Tan's Story

Two futures. One decision.

Click through each chapter to see how one choice changes everything.

Chapter 1 · The Tuesday That Changed Everything
One phone call. One word. Everything stopped.

It was an ordinary Tuesday. Mr Tan was at his desk reviewing engineering drawings when his phone rang. "Mr Tan, we need to discuss your test results. Are you free to come in today?"

In that moment, his mind didn't go to the hospital. It went to his family.

He thought of Mei Lin, who had left her career to raise their children. He thought of Sarah, 13, who wanted to study medicine. He thought of Lucas, 9, who still asked for bedtime stories.

He thought: "My family will be fine. I have insurance."

He was right that he had insurance. He was wrong about the rest.

Skip to comparison →
Chapter 2 · What His Family Had
RM 200,000. For a family that needed RM 1.36 million.

Mei Lin received the insurance payout 3 weeks later: RM 200,000. She sat in the kitchen, staring at the statement.

The mortgage alone was RM 450,000. The car loans were RM 45,000. She had no income. Sarah's university was 5 years away. Lucas was 9.

She did the math on a napkin. The number that came out wasn't enough. Not even close.

She called her mother. "I think we have to sell the house."

This is the story of a family that had insurance — but not a legacy.

Chapter 3 · The What If
What if Mr Tan had asked one different question?

Three years earlier, Dr. Karen had sat across from Mr Tan at a coffee shop and asked: "Mr Tan, if you were gone tomorrow, how long could your family survive on what you've left them?"

Mr Tan had paused. He'd never thought about it that way.

Together, they worked out a Legacy Boost plan — an investment-linked policy that would build cash value over time AND deliver RM 1.5 million to his family on his passing. The monthly premium? RM 850/month — less than his car instalment.

That one conversation was the difference between his family surviving and his family thriving.

See the two futures side by side below.

Chapter 4 · Two Futures
The same family. Two very different legacies.
✗ Without Legacy Boost
Insurance Payout
RM 200,000
Home Loan (RM 450K)
Cannot clear
✗ Must sell home
Monthly Income
RM 0
✗ Wife must work immediately
Education Fund
RM 0
✗ Sarah & Lucas at risk
Legacy Score
14 / 100
Critical
✓ With Legacy Boost
Insurance Payout
RM 1,500,000
Home Loan (RM 450K)
Fully cleared
✓ Family stays in home
Monthly Income
RM 2,017/month
✓ From invested remainder
Education Fund
RM 400,000
✓ Both children secured
Legacy Score
91 / 100
Legacy Ready
Check My Legacy Score →
What Happens Over Time

The Family Timeline

Two paths. One begins with planning. Both start today.

Today
The status quo
Mr Tan earns RM 8,500/month. Family is comfortable. RM 200K insurance feels adequate.
🏠
Today — With Plan
Legacy Boost begins
RM 850/month starts building cash value AND coverage grows to RM 1.5 million.
Action taken
Year 1 — Without
The house is sold
RM 200K cannot cover RM 450K mortgage. Mei Lin sells the home at below-market in grief. Family relocates.
Loss of home
⚡
Year 1 — With Plan
Payout received in 10 days
RM 1.5M paid out. Mortgage RM 450K cleared. Family stays in their home. RM 1,050,000 remains.
Family protected
Year 5 — Without
Sarah's university dreams
Sarah turns 18. No education fund. Mei Lin's part-time income isn't enough. Sarah defers university.
Education disrupted
🎓
Year 5 — With Plan
Sarah enters university
RM 200K education fund ready. Sarah studies medicine as planned. Mei Lin receives RM 2,017/month from investment returns.
Dream secured
Year 9 — Without
Lucas turns 18
Savings depleted. Mei Lin (now 48) is exhausted. Lucas must take PTPTN and work part-time to study.
Financial strain
📚
Year 9 — With Plan
Lucas enters university
Second RM 200K education fund releases. Lucas studies engineering — just like his father. Mei Lin is at peace.
Both children set
Year 20 — Without
Mei Lin at 59
No savings. No pension. Dependent on adult children. The family that Mr Tan worked his whole life to protect is starting from scratch.
No legacy
⭐
Year 20 — With Plan
Mei Lin at 59
Investment continues to generate income. Children are professionals. Mei Lin still owns the home. Mr Tan's legacy lives on.
Legacy continues
Free · Confidential · 3 Minutes

Your Legacy Score

Enter your details below. We'll calculate your Legacy Score and show you exactly what your family would receive — and what the gap is.

1
Your Financial Profile
Income, expenses and family situation
Used to calculate policy term and premium estimate
Determines education fund horizon
2
Your Financial Obligations
Debts your family would inherit
This is the single biggest risk to your family's housing security
3
Your Existing Safety Net
What your family currently has access to
Add all life policies together. Enter 0 if none.
Only 50% is assumed accessible — remainder locked until 55
Cash, FD, ASB (accessible portion)
The Next Step

Your family's story isn't written yet.

A 30-minute consultation with Dr. Karen — at no cost, no obligation — can be the conversation that changes everything. Just like the one Mr Tan almost never had.

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Dr. Karen Gan · Licensed Insurance Business Partner · Cyberjaya, Selangor