{"id":25229,"date":"2021-09-12T17:08:54","date_gmt":"2021-09-12T09:08:54","guid":{"rendered":"https:\/\/www.redcover.com.my\/keperluan-persaraan\/"},"modified":"2021-09-12T17:11:03","modified_gmt":"2021-09-12T09:11:03","slug":"keperluan-persaraan","status":"publish","type":"page","link":"https:\/\/www.redcover.com.my\/ms\/keperluan-persaraan\/","title":{"rendered":"Keperluan Persaraan"},"content":{"rendered":"\n<p>  Pelan pencen adalah keperluan persaraan, satu pelan yang mewajibkan majikan membuat caruman ke dalam sekumpulan dana yang diperuntukkan untuk manfaat masa depan pekerja.  <\/p>\n\n<div class=\"wp-block-buttons has-custom-font-size has-small-font-size is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-normal-font-size\"><a class=\"wp-block-button__link has-custom-background-color has-background wp-element-button\" href=\"#enquiry\">PERMINTAAN QOUTATION<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-when-do-you-need-to-plan-for-retirement-needs\">Bilakah anda perlu merancang untuk Keperluan Persaraan?<\/h2>\n\n<p>Persaraan adalah apabila segala-galanya berubah. Sebaik sahaja anda bersara, anda biasanya tidak memerlukan hilang upaya atau insurans hayat untuk menggantikan <a href=\"https:\/\/en.wikipedia.org\/wiki\/Wage\" target=\"_blank\" rel=\"noreferrer noopener\">gaji<\/a>anda. Anda akan hidup daripada sumber pendapatan lain \u2013 simpanan anda atau sebarang pencen. Di tengah-tengah semua perubahan yang menarik ini, jangan terlepas pandang pada perlindungan insurans anda. Dengan musim kehidupan baru di tangan, dasar-dasar lama mungkin tidak lagi memenuhi keperluan anda.<\/p>\n\n<p>Kumpulan dana dilaburkan bagi pihak pekerja, dan pendapatan pelaburan menjana pendapatan kepada pekerja selepas bersara.<\/p>\n\n<p>Pelan pencen untuk keperluan persaraan anda mungkin telah membuat bayaran bulanan sebanyak satu peratus yang ditetapkan, tetapi bahagian terbesar pembayaran akan datang daripada majikan anda.<\/p>\n\n<p>Pelan pencen menjamin anda sejumlah wang setiap bulan sebaik sahaja anda mencapai umur persaraan.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-the-pension-plan-has-both-positive-and-negative-aspects\">Pelan pencen mempunyai aspek positif dan negatif.<\/h2>\n\n<p>Apabila anda bekerja untuk kerajaan, anda mungkin tidak mempunyai banyak pilihan dalam jenis pelan keperluan persaraan yang anda tawarkan. Adalah sangat penting untuk memahami setiap butiran khusus yang berkaitan dengan pelan pencen anda.<\/p>\n\n<p>Kebanyakan majikan di luar sana mungkin menawarkan seminar atau bengkel tahunan mengenai pelan atau pergi ke butiran terperinci pelan semasa orientasi. Jika anda tidak pasti jenis pelan pencen yang anda dapat, dan sama ada pelan itu dibiayai atau tidak yang bermaksud wang yang diketepikan untuk membayar anda faedah kemudian atau tidak dimasukkan, bercakap dengan jurucakap sumber manusia.<\/p>\n\n<p>Sebaik sahaja anda memahami semua aspek pelan, maka anda akan dapat membuat keputusan perancangan persaraan untuk anda bersara dengan selesa.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance-you-ll-still-need-in-retirement\">Insurans yang anda masih perlukan dalam persaraan<\/h2>\n\n<p>Sebaik sahaja anda bersara, anda biasanya tidak memerlukan hilang upaya atau insurans hayat untuk menggantikan gaji anda. Walau bagaimanapun, anda perlu menyimpan beberapa dasar walaupun selepas anda berhenti bekerja. Ini termasuklah:<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-liability-insurance\"><strong>Insurans liabiliti<\/strong><\/h2>\n\n<p>Perlindungan insurans liabiliti membayar kos jika anda menyebabkan kemalangan seperti gigitan anjing anda atau anda sebaliknya didapati bersalah kerana kecederaan. Perancang kewangan biasanya mengesyorkan mempunyai perlindungan liabiliti sekurang-kurangnya sama dengan nilai bersih anda dan sebaik-baiknya dua kali ganda daripadanya.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-disaster-insurance\"><strong>Insurans bencana<\/strong><\/h2>\n\n<p>Nilai rumah anda mungkin sebahagian besar daripada kekayaan anda dan mungkin sumber yang boleh anda leverage pada masa depan untuk membiayai persaraan anda. Tetapi <a href=\"https:\/\/www.redcover.com.my\/home-insurance-property-coverage\/\">insurans rumah<\/a> anda mungkin tidak menawarkan perlindungan yang mencukupi untuknya. Ia tidak meliputi banjir, sebagai contoh, atau gempa bumi di kawasan yang berisiko tinggi untuk bencana tersebut. Walaupun polisi insurans rumah biasanya termasuk kerosakan angin, anda mungkin memerlukan perlindungan berasingan untuk melindungi daripada taufan.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-life-insurance\"><strong>Insurans hayat<\/strong><\/h2>\n<div data-block-name=\"woocommerce\/featured-product\" data-content-align=\"left\" data-edit-mode=\"false\" data-product-id=\"24355\" class=\"wc-block-featured-product alignnone has-background-dim has-left-content wp-block-woocommerce-featured-product\" style=\"min-height:500px;\"><div class=\"wc-block-featured-product__wrapper\"><div class=\"background-dim__overlay\" style=\"background-color: #000000\"><\/div><img decoding=\"async\" alt=\"AIA Insurans Hayat Berkaitan Pelaburan AIA - Tandatangan Melebihi 2\" class=\"wc-block-featured-product__background-image\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Life-Insurance-Investment-Linked-Signature-Beyond-2-1011x1024.jpg\" style=\"object-fit: none;object-position: 50% 50%;\" \/><h2 class=\"wc-block-featured-product__title\">AIA Insurans Hayat Berkaitan Pelaburan AIA &#8211; Tandatangan Melebihi 2<\/h2><div class=\"wc-block-featured-product__description\"><h2>AIA Insurans Hayat Berkaitan Pelaburan AIA &#8211; Tandatangan Melebihi 2<\/h2>\n<p>Harga yang ditunjukkan adalah harga premium bulanan permulaan. Ini adalah pelan insurans hayat untuk melindungi kewangan keluarga anda. Pelan insurans hayat terbaik untuk jumlah perlindungan risiko seumur hidup:<\/p>\n<ul>\n<li>Manfaat kematian<\/li>\n<li>Hilang Upaya Menyeluruh dan Kekal (TPD)<\/li>\n<li>Perlindungan Penyakit Kritikal dengan Keupayaan Set Semula<\/li>\n<li>Perlindungan kematian akibat kemalangan 200% bayaran<\/li>\n<li>Perlindungan kematian akibat kemalangan dalam lif atau pengangkutan awam 300% bayaran<\/li>\n<li>Perlindungan kematian akibat bencana alam 600% bayaran<\/li>\n<li>Nilai tunai matang yang lebih tinggi<\/li>\n<\/ul>\n<p>Hubungi <a href=\"https:\/\/www.redcover.com.my\/aia-insurance-agent-kl-levine-lee\/\">AIA Business and Life Insurance Agent Levine Lee<\/a> untuk Sebut Harga Tersuai.<\/p>\n<p>Atau semak keluar produk ini sebagai pesanan. Tiada bayaran akan diambil atau diminta. Perintah itu akan dilihat sebagai permintaan untuk sebut harga tersuai untuk keperluan anda.<\/p>\n<\/div><div class=\"wc-block-featured-product__price\"><span class=\"woocommerce-Price-amount amount\"><span class=\"woocommerce-Price-currencySymbol\">&#082;&#077;<\/span>1,200.00<\/span><\/div><div class=\"wc-block-featured-product__inner-blocks\">\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-pelaburan-berkaitan-insurans-hayat-tandatangan-beyond-2\/\">Membeli-belah sekarang<\/a><\/div>\n\n<\/div><\/div><\/div>\n<p>Insurans hayat biasanya digunakan untuk menyediakan perlindungan kewangan bagi tanggungan yang bergantung kepada pendapatan anda untuk sokongan. Walaupun ramai orang tidak memerlukannya sebaik sahaja kanak-kanak membesar, bergantung kepada keadaan anda, insurans hayat mungkin mempunyai tempat dalam strategi perancangan persaraan anda. Insurans hayat boleh menyediakan gantian pencen bagi pasangan atau tanggungan yang mungkin tidak layak untuk mendapat manfaat selepas kematian anda.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-why-you-may-need-insurance-in-retirement\">Mengapa Anda Mungkin Perlu Insurans Dalam Persaraan<\/h2>\n\n<p>Jika anda tidak mempunyai insurans hayat apabila anda bersara, berikut adalah beberapa sebab untuk berfikir dua kali tentang membelinya:<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"h-replace-all-or-a-part-of-your-retirement-plan-benefits\">Gantikan semua atau sebahagian daripada manfaat pelan persaraan anda.<\/h4>\n<div data-block-name=\"woocommerce\/featured-product\" data-content-align=\"left\" data-edit-mode=\"false\" data-product-id=\"24231\" class=\"wc-block-featured-product alignnone has-background-dim has-left-content wp-block-woocommerce-featured-product\" style=\"min-height:500px;\"><div class=\"wc-block-featured-product__wrapper\"><div class=\"background-dim__overlay\" style=\"background-color: #000000\"><\/div><img decoding=\"async\" alt=\"AIA A-Life Melindungi Pelan Tahunan Insurans Hayat Bertempoh Malaysia\" class=\"wc-block-featured-product__background-image\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/Term-Life-Insurance-Plans.jpg\" style=\"object-fit: none;object-position: 50% 50%;\" \/><h2 class=\"wc-block-featured-product__title\">AIA A-Life Melindungi Pelan Tahunan Insurans Hayat Bertempoh Malaysia<\/h2><div class=\"wc-block-featured-product__description\"><h2>AIA A-Life Melindungi Pelan Insurans Hayat Bertempoh Malaysia<\/h2>\n<p>Insurans hayat A-Life Protect Termal menyediakan perlindungan kematian bagi orang yang diinsuranskan, dalam tempoh tempoh pada premium yang berpatutan. Pelan-pelan yang disenaraikan di sini adalah pelan Tahunan Yang Boleh Diperbaharu. Dan termasuk perlindungan hilang upaya seperti yang disenaraikan di bawah.<\/p>\n<p>Sesuai untuk keperluan Insurans Keyman Perniagaan dan Perancangan Harta Individu.<\/p>\n<\/div><div class=\"wc-block-featured-product__price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div><div class=\"wc-block-featured-product__inner-blocks\">\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-a-life-protect-term-insurance-term-term-plan-year-malaysia\/\">Membeli-belah sekarang<\/a><\/div>\n\n<\/div><\/div><\/div>\n<p>Jika pasangan anda bergantung kepada Keselamatan Sosial atau faedah persaraan, mereka mungkin tidak lagi layak untuk dana ini jika anda meninggal dunia. Manfaat kematian yang disediakan oleh insurans hayat boleh menggantikan manfaat yang hilang ini.<\/p>\n\n<p>Manfaat kematian polisi insurans hayat boleh digunakan untuk membayar gadai janji atau hutang lain. Sudah tentu, ia adalah indah untuk bebas hutang dalam persaraan, tetapi realitinya adalah bahawa ini tidak berlaku kepada semua orang. Keputusan insurans hayat menyediakan cara yang selamat dan terjamin untuk membantu orang yang anda sayangi membayar, supaya mereka tidak bertanggungjawab.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"h-high-premiums\">Premium yang tinggi.<\/h4>\n\n<p>Insurans hayat akan dibayar pada masa kematian. Oleh itu, syarikat insurans mengenakan premium yang lebih tinggi pada usia yang lebih tua. Oleh itu, pelan premium dalam 60-an anda boleh menjadi mahal. Ia mungkin idea yang buruk untuk melabur di dalamnya.\ue031<\/p>\n<div data-block-name=\"woocommerce\/featured-product\" data-content-align=\"left\" data-edit-mode=\"false\" data-product-id=\"24287\" class=\"wc-block-featured-product alignnone has-background-dim has-left-content wp-block-woocommerce-featured-product\" style=\"min-height:500px;\"><div class=\"wc-block-featured-product__wrapper\"><div class=\"background-dim__overlay\" style=\"background-color: #000000\"><\/div><img decoding=\"async\" alt=\"Kad Insurans Perubatan AIA Malaysia\" class=\"wc-block-featured-product__background-image\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3.jpg\" style=\"object-fit: none;object-position: 50% 50%;\" \/><h2 class=\"wc-block-featured-product__title\">Kad Insurans Perubatan AIA Malaysia<\/h2><div class=\"wc-block-featured-product__description\"><p>Ini adalah pelan insurans perubatan daripada AIA Insurance.<\/p>\n<ul>\n<li>A-Life Med Regular menyediakan anda perlindungan perubatan sehingga umur 100 tahun.<\/li>\n<li>A-Life Med Regular membayar tuntutan perubatan anda sepenuhnya, tanpa mengenakan sebarang insurans bersama atau caj boleh ditolak.<\/li>\n<li>Anda boleh menjadi pemegang polisi bagi pasangan dan anak-anak anda untuk mendaftar insurans perubatan<\/li>\n<li>Anda boleh mendapatkan pelepasan cukai pendapatan dengan kad perubatan ini sehingga RM3,000<\/li>\n<li>Nikmati perkhidmatan bantuan di seluruh dunia dengan menghubungi talian khidmat AIA 24 jam +603-21665421 dan terbalikkan caj panggilan.<\/li>\n<li>Butiran pelan dan muat turun adalah dalam keterangan terperinci di bawah<\/li>\n<\/ul>\n<p>Hantar dalam pra-pesanan ini untuk mendapatkan cadangan rasmi untuk anda. Tidak ada yang perlu dibayar untuk pra-pesanan ini.<\/p>\n<\/div><div class=\"wc-block-featured-product__price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div><div class=\"wc-block-featured-product__inner-blocks\">\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">Membeli-belah sekarang<\/a><\/div>\n\n<\/div><\/div><\/div>\n<h4 class=\"wp-block-heading\" id=\"h-asset-transfers-to-beneficiaries\">Pemindahan aset kepada benefisiari.<\/h4>\n\n<p>Jika kebanyakan pendapatan persaraan dan pelan persaraan anda dilaburkan dalam aset seperti saham, harta anda sendiri, atau akaun simpanan bank, anda boleh memindahkan pemilikan aset tersebut kepada orang lain yang menyediakan pendapatan perlindungan.\ue031<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"h-cash-value-policy-fees\">Yuran polisi nilai tunai.<\/h4>\n\n<p>Insurans hayat bertempoh adalah mudah, dengan penarafan premium dan manfaat kematian yang ditetapkan selama beberapa tahun. Tetapi dasar nilai tunai, seperti kehidupan seumur hidup atau kehidupan berubah-ubah, mempunyai lebih banyak komponen (insurans serta portfolio pelaburan), dan komisen dan yuran mereka, terutamanya dalam beberapa tahun pertama, mungkin lebih tinggi daripada polisi jangka.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-get-financial-advice\">Dapatkan Nasihat Kewangan<\/h2>\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/\/LevineLee.-InsuranceAgent.TopPerformer2018-1-1024x683.jpg\" alt=\"Ejen Insurans Levine Lee AIA.\" class=\"wp-image-24155\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-1024x683.jpg 1024w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-690x460.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-300x200.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-768x512.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-600x400.jpg 600w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Ejen Insurans Levine Lee AIA.<\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\" style=\"max-width:1600px\">\n<h4 class=\"wp-block-heading\">Keselamatan Kewangan &#8211; Di Sana Apabila Diperlukan<\/h4>\n\n\n\n<p>Levine boleh membantu anda untuk melindungi diri anda dan masa depan orang yang anda sayangi. Dapatkan keselamatan kewangan segera. Jangan sentuh simpanan anda. Biarkan insurans menyediakannya.<\/p>\n\n\n\n<p>Dia boleh membantu menyediakan jaminan kewangan semasa kesusahan dan akan dapat meringankan beban kewangan tanggungan anda tanpa kehadiran anda.<\/p>\n\n\n\n<p>Hubungi<a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\"> EJEN INSURANS AIA kami LEVINE LEE<\/a> untuk menghubungi kami dan mulakan perlindungan peribadi anda, perlindungan kumpulan atau pilih pelan anda sekarang. Dapatkan dilindungi dengan betul. Dinasihatkan dengan betul. <a href=\"tel:+60126840948\">Hubungi Levine Lee (+6012-684 0948) hari ini untuk dinasihatkan mengenai perlindungan insurans terbaik yang diperibadikan untuk anda<\/a>. Atau hantar borang di bawah atas minat anda.<\/p>\n<\/div><\/div><\/div>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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Quotation<\/h3>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_3'  action='\/ms\/wp-json\/wp\/v2\/pages\/25229' data-formid='3' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_3_31\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_31'>Instagram<\/label><div class='ginput_container'><input name='input_31' id='input_3_31' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_3_31'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_3_29\" class=\"gfield gfield--type-html gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><a name=\"enquiry\"><\/a><\/li><li id=\"field_3_12\" class=\"gfield gfield--type-checkbox gfield--type-choice gf_left_half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Insurance Required<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_3_12'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_12_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_12_select_all' id='label_12_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.1' type='checkbox'  value='Life Insurance'  id='choice_3_12_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_1' id='label_3_12_1' class='gform-field-label gform-field-label--type-inline'>Life Insurance<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.2' type='checkbox'  value='Critical Illness'  id='choice_3_12_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_2' id='label_3_12_2' class='gform-field-label gform-field-label--type-inline'>Critical Illness<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.3' type='checkbox'  value='Hospital Medical Card'  id='choice_3_12_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_3' id='label_3_12_3' class='gform-field-label gform-field-label--type-inline'>Hospital Medical Card<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.4' type='checkbox'  value='Personal Accident'  id='choice_3_12_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_4' id='label_3_12_4' class='gform-field-label gform-field-label--type-inline'>Personal Accident<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.5' type='checkbox'  value='Lady&#039;s Special Insurance'  id='choice_3_12_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_5' id='label_3_12_5' class='gform-field-label gform-field-label--type-inline'>Lady's Special Insurance<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.6' type='checkbox'  value='Prenatal (Preborn) Baby Care'  id='choice_3_12_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_6' id='label_3_12_6' class='gform-field-label gform-field-label--type-inline'>Prenatal (Preborn) Baby Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.7' type='checkbox'  value='Children Education Plan'  id='choice_3_12_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_7' id='label_3_12_7' class='gform-field-label gform-field-label--type-inline'>Children Education Plan<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_12_8'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.8' type='checkbox'  value='Retirement \/ Savings Plan'  id='choice_3_12_8'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_12_8' id='label_3_12_8' class='gform-field-label gform-field-label--type-inline'>Retirement \/ Savings Plan<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_3_25\" class=\"gfield gfield--type-checkbox gfield--type-choice field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Lady&#039;s Special Insurance<\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_3_25'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_25_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_25_select_all' id='label_25_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.1' type='checkbox'  value='Prenatal (Preborn) Baby Care'  id='choice_3_25_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_1' id='label_3_25_1' class='gform-field-label gform-field-label--type-inline'>Prenatal (Preborn) Baby Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.2' type='checkbox'  value='Pregnancy Care'  id='choice_3_25_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_2' id='label_3_25_2' class='gform-field-label gform-field-label--type-inline'>Pregnancy Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.3' type='checkbox'  value='Confinement Allowance'  id='choice_3_25_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_3' id='label_3_25_3' class='gform-field-label gform-field-label--type-inline'>Confinement Allowance<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.4' type='checkbox'  value='Female Cancers'  id='choice_3_25_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_4' id='label_3_25_4' class='gform-field-label gform-field-label--type-inline'>Female Cancers<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.5' type='checkbox'  value='Female Diseases Care'  id='choice_3_25_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_5' id='label_3_25_5' class='gform-field-label gform-field-label--type-inline'>Female Diseases Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.6' type='checkbox'  value='Female Surgical Care'  id='choice_3_25_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_6' id='label_3_25_6' class='gform-field-label gform-field-label--type-inline'>Female Surgical Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.7' type='checkbox'  value='Menopause Care'  id='choice_3_25_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_7' id='label_3_25_7' class='gform-field-label gform-field-label--type-inline'>Menopause Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_25_8'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_25.8' type='checkbox'  value='Golden Age Benefit'  id='choice_3_25_8'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_25_8' id='label_3_25_8' class='gform-field-label gform-field-label--type-inline'>Golden Age Benefit<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_3_26\" class=\"gfield gfield--type-checkbox gfield--type-choice field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Baby Special Insurance Coverage<\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_3_26'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_26_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_26_select_all' id='label_26_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.1' type='checkbox'  value='Prenatal (Preborn) Baby Care'  id='choice_3_26_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_1' id='label_3_26_1' class='gform-field-label gform-field-label--type-inline'>Prenatal (Preborn) Baby Care<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.2' type='checkbox'  value='Incubation Benefit'  id='choice_3_26_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_2' id='label_3_26_2' class='gform-field-label gform-field-label--type-inline'>Incubation Benefit<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.3' type='checkbox'  value='Baby ICU and HDU (Neonatal ICU) Coverage'  id='choice_3_26_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_3' id='label_3_26_3' class='gform-field-label gform-field-label--type-inline'>Baby ICU and HDU (Neonatal ICU) Coverage<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.4' type='checkbox'  value='Phototheraphy for Jaundice'  id='choice_3_26_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_4' id='label_3_26_4' class='gform-field-label gform-field-label--type-inline'>Phototheraphy for Jaundice<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.5' type='checkbox'  value='Birth Defects (15 Congenital Defects) up to age of 5'  id='choice_3_26_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_5' id='label_3_26_5' class='gform-field-label gform-field-label--type-inline'>Birth Defects (15 Congenital Defects) up to age of 5<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_26_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_26.6' type='checkbox'  value='Autism and ADHD up to age of 5'  id='choice_3_26_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_26_6' id='label_3_26_6' class='gform-field-label gform-field-label--type-inline'>Autism and ADHD up to age of 5<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_3_28\" class=\"gfield gfield--type-checkbox gfield--type-choice gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Others<\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_3_28'><li class='gchoice gchoice_3_28_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.1' type='checkbox'  value='AIA Vitality Wellness Program'  id='choice_3_28_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_1' id='label_3_28_1' class='gform-field-label gform-field-label--type-inline'>AIA Vitality Wellness Program<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.2' type='checkbox'  value='Keyman Insurance'  id='choice_3_28_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_2' id='label_3_28_2' class='gform-field-label gform-field-label--type-inline'>Keyman Insurance<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.3' type='checkbox'  value='Income Replacement'  id='choice_3_28_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_3' id='label_3_28_3' class='gform-field-label gform-field-label--type-inline'>Income Replacement<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.4' type='checkbox'  value='Wealth Distribution'  id='choice_3_28_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_4' id='label_3_28_4' class='gform-field-label gform-field-label--type-inline'>Wealth Distribution<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.5' type='checkbox'  value='Family Wealth Trust Fund'  id='choice_3_28_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_5' id='label_3_28_5' class='gform-field-label gform-field-label--type-inline'>Family Wealth Trust Fund<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.6' type='checkbox'  value='Mortgage Reducing Term Assurance (MRTA)'  id='choice_3_28_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_6' id='label_3_28_6' class='gform-field-label gform-field-label--type-inline'>Mortgage Reducing Term Assurance (MRTA)<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_7'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.7' type='checkbox'  value='Mortgage Life Term Assurance (MLTA)'  id='choice_3_28_7'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_7' id='label_3_28_7' class='gform-field-label gform-field-label--type-inline'>Mortgage Life Term Assurance (MLTA)<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_28_8'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_28.8' type='checkbox'  value='Others - Home, Fire, Theft, Maid etc'  id='choice_3_28_8'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_28_8' id='label_3_28_8' class='gform-field-label gform-field-label--type-inline'>Others - Home, Fire, Theft, Maid etc<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_3_18\" class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_18'>City\/Town<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_18' id='input_3_18' type='text' value='' class='medium'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_3_1\" class=\"gfield gfield--type-name gfield_contains_required field_sublabel_hidden_label gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_complex ginput_container ginput_container--name no_prefix no_first_name no_middle_name has_last_name no_suffix gf_name_has_1 ginput_container_name gform-grid-row' id='input_3_1'>\n                            \n                            \n                            \n                            <span id='input_3_1_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.6' id='input_3_1_6' value=''   aria-required='true'   placeholder='Full Name'  \/>\n                                                    <label for='input_3_1_6' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>Full Name<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/li><li id=\"field_3_3\" class=\"gfield gfield--type-phone gf_left_half gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_3'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_3_3' type='tel' value='' class='medium'  placeholder='Mobile Telephone Number' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_3_2\" class=\"gfield gfield--type-email gf_right_half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_3_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_3_2' type='email' value='' class='medium'   placeholder='Email address' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_3_30\" class=\"gfield gfield--type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_3_30'>Enquiry Submitted From Page:<\/label><div class='ginput_container ginput_container_text'><input name='input_30' id='input_3_30' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_3' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_3' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_3' id='gform_theme_3' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_3' id='gform_style_settings_3' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_3' value='1' \/>\n            <input 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Bilakah anda perlu merancang untuk Keperluan Persaraan? Persaraan adalah apabila segala-galanya berubah. Sebaik sahaja anda bersara, anda biasanya tidak memerlukan hilang upaya atau insurans hayat untuk menggantikan gajianda. Anda akan hidup daripada [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":{"0":"post-25229","1":"page","2":"type-page","3":"status-publish","5":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pesara Perlu Mohon | Pencen | Malaysia Perlindungan Merah<\/title>\n<meta name=\"description\" content=\"Persaraan perlu memohon pelan pencen anda. Matlamat simpanan persaraan anda berkabung atas beberapa faktor, terutamanya berapa banyak yang anda fikir anda akan belanjakan semasa persaraan. 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