Life Focus Consulting

Services

Five service lines. Indicative pricing up front.

Tap the WhatsApp button on any service — your conversation will start with that topic pre-filled, so you don't have to type a long brief.

A Malaysian family in a financial advisory consultation — parents and a child reviewing a tablet and documents with their advisor at a meeting table.

01 / Life Insurance

Life Insurance

Medical cards, critical illness, life cover, and Takaful equivalents — the foundation of family financial protection. We compare across Allianz and Zurich Takaful and present 1–2 fitting products with the indicative monthly cost up front.

  • MediSafe Infinite+
  • HealthCover Plus
  • EverLink Signature
  • Al-Shams (Takaful)
  • ProSecure (Takaful)
  • Term 80 (Takaful)

Indicative pricing. From around RM 250 / month for a family medical card. A full stack (Medical + Critical Illness + Term Life) for a 35-year-old non-smoker is typically around RM 510 / month. Final premium subject to underwriting; refer to PDS.

  • What's the difference between conventional cover and Takaful?
  • How does critical illness cover differ from a medical card?
  • What about diabetic applicants — am I uninsurable?
A young couple loading luggage into a small electric SUV in a leafy condominium driveway.

02 / General Insurance

General Insurance

Motor, home, travel, and personal accident — for the everyday risks. Travel quotes can be issued instantly via WhatsApp.

  • CMCC (private car)
  • EVShield (EV)
  • AMP (motorcycle)
  • Smart Home Cover
  • kampungku
  • ATX (travel)
  • PACover (PA)

Indicative pricing. Motor depends heavily on NCD and vehicle. Home cover from around RM 70 / year for kampungku. Travel from around RM 30 per trip. Final premium subject to underwriting and the relevant PDS.

  • Is Travel Insurance worth it for short ASEAN trips?
  • Is EV insurance different from petrol-car insurance?
  • Can I bundle motor + home for a discount?
A Malaysian business owner reviewing financial reports at her own office desk, navy blazer, soft natural light.

03 / Business Insurance

Business Insurance

Cover for SMEs, employers, and corporate exposures — including employee benefits and trade credit.

  • Business Shield
  • Trade Credit Insurance
  • DSIS (regulated FWCS)
  • AECH — group EB

Indicative pricing. Business Shield from around RM 800 / year for a small office. DSIS RM 63 / year (regulated tariff). Group employee-benefits stacks RM 200–500 PEPM (per employee per month).

  • What's the minimum headcount for a group health plan?
  • Do I need Trade Credit Insurance for ASEAN buyers?
  • What about Marine cargo or Professional Indemnity?
A senior Malaysian Chinese couple reviewing estate documents at a teak dining table.

04 / Wills & Trusts

Wills & Trusts

Estate planning so insurance proceeds reach the right hands. Conventional Will, Will + Trust (payout held until child majority), Islamic Wasiat, and Hibah Trust to bypass Faraid for policy proceeds.

  • Conventional Will
  • Will + Trust
  • Islamic Wasiat
  • Hibah Trust

Indicative pricing. Conventional Will RM 200–1,500 one-off. Islamic Wasiat RM 300–1,500. Trust set-up sized to the estate. Drafted and executed by our trust-specialist partners (Rockwills / AmanahRaya); we connect the policy to the trust correctly.

  • Do I need a Will if my children are minors?
  • How does Faraid affect my insurance payout?
  • What's the difference between Wasiat and Hibah Trust?
An overhead editorial flat-lay of a notebook, tablet showing a chart, fountain pen, and a navy folder on a cream desk.

05 / Customised Plans

Customised Plans

When a single product doesn't fit. We profile your situation — age, life stage, family, budget, Takaful preference, primary concern — then build a stack across medical, critical illness, term, and savings to match. Plain-English plan, indicative monthly cost up front, no hard sell.

  • Profile-based recommendation
  • Cross-carrier comparison
  • Transparent disclaimers

Indicative pricing. Built around your monthly budget. Most family stacks land between RM 300 and RM 800 per month. We'll show you the trade-offs before you decide.

  • How do you pick which products?
  • What if I already have policies — should I keep them?
  • Can I see the comparison before deciding?

Not sure which service fits? Tap any of the WhatsApp buttons above with the topic that's closest — we'll route you from there.