HOME  -    PROPERTY ADS   -   DISCUSSION FORUM   -   REALTORS   -   LINKS    -   CONTACT US



Realtors and Real Estate Agents - Sign Up for Free Account at Property.net.my >>


Malaysia Real Estate
Malaysia Real Estate Portal
 
 FAQFAQ   SearchSearch   UsergroupsUsergroups   RegisterRegister 
 ProfileProfile   Log in to check your private messagesLog in to check your private messages   Log inLog in 

MLTA

 
Post new topic   Reply to topic    Malaysia Real Estate Forum Index -> Insurance
View previous topic :: View next topic  
Author Message
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Sat Jun 13, 2009 2:54 pm    Post subject: MLTA Reply with quote

Just wondering... what you guys think about MLTA? And what makes you buy or not to buy MLTA? I got a rejection from client where i don't know why cause MLTA is a secure package (despite comm that earn).

p/s: you will get a car insurance for 80k example but not to those house over 100k?!?!

regards
jas
Back to top
View user's profile MSN Messenger
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Mon Jun 15, 2009 10:01 pm    Post subject: Reply with quote

why no response? T_T...
Back to top
View user's profile MSN Messenger
p3nang



Joined: 09 Jul 2009
Posts: 69

PostPosted: Thu Jul 09, 2009 8:44 pm    Post subject: Reply with quote

well, there are pros and cons.
MLTA can hv cash value, earn in long term, but more expensive.
MRTA hv only protection, but cheaper.
it depends on client wants
_________________
Free insurance

Feel free to contact me.
cc_wong1987@yahoo.com
017-4387038
Back to top
View user's profile
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Tue Jul 14, 2009 12:13 am    Post subject: Reply with quote

p3nang wrote:
well, there are pros and cons.
MLTA can hv cash value, earn in long term, but more expensive.
MRTA hv only protection, but cheaper.
it depends on client wants


you are right on this. unless clients wouldn't want to refinance. else the mrta also will burn. therefore, once u sign up the loan with mrta, u need to X2 the amount = amount that u will pay for insurance.
Back to top
View user's profile MSN Messenger
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Fri Jul 17, 2009 12:26 am    Post subject: Reply with quote

there will be a new insurance from HLA. update u guys ok. Wink

thanks...
Back to top
View user's profile MSN Messenger
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Fri Jul 17, 2009 12:30 am    Post subject: Reply with quote

my email and contact. anything i will ask my friend to help u guys on this.

jascheng31@hotmail.com
0125879488
Back to top
View user's profile MSN Messenger
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Tue Jul 28, 2009 11:25 pm    Post subject: Reply with quote

those who can afford should get MLTA instead of MRTA... so you can get the cash value back when u finish the payment and transferable...
Back to top
View user's profile MSN Messenger
Gavin_Lim



Joined: 08 Jul 2009
Posts: 93
Location: Kuala Lumpur

PostPosted: Fri Aug 07, 2009 4:50 pm    Post subject: Reply with quote

For me, I will choose those insurance without cash value, which is cheaper. Then, the extra money I will go for unit trust investment. Since the market is currently recovering, therefore it is a good time to start investing. I won't say it has no risk but since you're paying those money for 20 to 30 years, are you still hoping for the cash value which may not be enough to cover the inflation rate?
_________________
We Provide Solutions for:
Emergency Needs, Retirement, Child's Education & Business Succession
Estate Administration (Will Writing & Trust)
Home Loan & MRTA/MLTA
..gavin-lim.webs.com
cheahyang_0@hotmail.com
Back to top
View user's profile Yahoo Messenger MSN Messenger
klang-valley



Joined: 11 Jun 2009
Posts: 121
Location: Petaling Jaya

PostPosted: Sun Aug 09, 2009 8:22 pm    Post subject: Reply with quote

Every investment have its pro and cons. Insurance with investment (ILP) is useful in case if you forgotten to pay your premium, the policy will not lapse because it can deduct from the cash value.

For unit trust, the returns may not be as high as investing in a particular high beta stock, but it is diversified because it invest in a basket of different stocks.
_________________
Mortgage Loan in Klang valley...
.://..Klang-Valley.com
Back to top
View user's profile MSN Messenger
Gavin_Lim



Joined: 08 Jul 2009
Posts: 93
Location: Kuala Lumpur

PostPosted: Mon Aug 10, 2009 11:47 am    Post subject: Reply with quote

I agree that every investment have its pro and cons. For unit trust, the returns may not be as high as direct invest in stocks market. However, for those who are unfamiliar with stocks, it's not a bad idea to invest in unit trust. Since the fund manager will invest in the appropriate stocks for you based on your investing goals.
For those individuals who has never been doing any investment, ING Funds Berhad launches AMP Plus 2 which is target at giving you 6% to 8% return per annum (non-guaranteed). Moreover, this package is totally managed by our experienced fund manager. Therefore, you can no longer worry about when to do your fund switching and etc. Furthermore, the entry charge is lowest in town, only 3%! You can either choose to invest using cash or your EPF.
Base on backdated performance, this package can consistently achieve its target. However, past performance is for prediction only and does not guarantee of future results.
_________________
We Provide Solutions for:
Emergency Needs, Retirement, Child's Education & Business Succession
Estate Administration (Will Writing & Trust)
Home Loan & MRTA/MLTA
..gavin-lim.webs.com
cheahyang_0@hotmail.com
Back to top
View user's profile Yahoo Messenger MSN Messenger
ponnie



Joined: 14 Sep 2009
Posts: 2

PostPosted: Tue Sep 29, 2009 4:23 pm    Post subject: Reply with quote

I am searching for a MLTA or equivalent package to go with my house loan.

To all agents, please quote me via PM. Also, please elaborate on the features of your respective packages. Provide examples/scenarios would be best.

Here are the details for your computation.

Owner 1: Male, 31 years old, non-smoker
Owner 2: Female, 27 years old, non-smoker
Amount: 100k each
Tenure: 20 years

My priority is to seek protection during the tenure of loan repayment and not so much on the cash value of the policy. MRTA is not an option for me due to the possibility of refinancing after 5 years.

Thank you.
Back to top
View user's profile
Gavin_Lim



Joined: 08 Jul 2009
Posts: 93
Location: Kuala Lumpur

PostPosted: Wed Sep 30, 2009 1:53 pm    Post subject: Reply with quote

Hi, Ponnie:
Can you give me your e-mail address so that I can send the quotes and details to you?

It will be better if you can provide your loan details.

Any questions you can send an e-mail to cheahyang_0@hotmail.com . I'll try my best to solve your problem.
_________________
We Provide Solutions for:
Emergency Needs, Retirement, Child's Education & Business Succession
Estate Administration (Will Writing & Trust)
Home Loan & MRTA/MLTA
..gavin-lim.webs.com
cheahyang_0@hotmail.com
Back to top
View user's profile Yahoo Messenger MSN Messenger
jascheng



Joined: 10 Oct 2008
Posts: 196
Location: Kuala Lumpur

PostPosted: Sun Oct 04, 2009 7:19 pm    Post subject: Reply with quote

ponnie wrote:
I am searching for a MLTA or equivalent package to go with my house loan.

To all agents, please quote me via PM. Also, please elaborate on the features of your respective packages. Provide examples/scenarios would be best.

Here are the details for your computation.

Owner 1: Male, 31 years old, non-smoker
Owner 2: Female, 27 years old, non-smoker
Amount: 100k each
Tenure: 20 years

My priority is to seek protection during the tenure of loan repayment and not so much on the cash value of the policy. MRTA is not an option for me due to the possibility of refinancing after 5 years.

Thank you.


hi ponnie, kindly leave ur email here or email me at jascheng31@hotmail.com.

couldnt PM u. thanks
Back to top
View user's profile MSN Messenger
Display posts from previous:   
Post new topic   Reply to topic    Malaysia Real Estate Forum Index -> Insurance All times are GMT + 8 Hours
Page 1 of 1

 
Jump to:  
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



This is a free forum intended to foster communication between all users.
Hileytech Sdn Bhd does not guarantee the correctness or validity of postings, nor does Hileytech endorse any postings. No posting or contents in this forum can be copied and reproduced without prior permission from Hileytech and the owner of the posting. All other names and marks are trade names, trademarks or registered trademarks of their respective owners.
Powered by phpBB, Another web site by www.hileytech.com,Forum Archive
Tel : +603-89449965, +603.89449365 ::  Fax : +603-89440665 :: hiley@hileytech.com