A one-stop financial service which you can access all your planning needs under one roof, from saving for the future, protecting your wealth, to estate planning. Insurance is a key part of this, particularly medical, life, general insurance, debt consolidation, and will writing.

FTA does not provide the services only. We are here to help and give awareness first before providing and giving the solutions or the product. Everyone will go through training about financial knowledge and with right attitude to help client.

A medical card pays for your hospitalization bills directly to the hospital, but once you are discharged, the financial support stops. But, the critical illness coverage gives you a lump sum cash payout upon diagnosis of one of the 48 critical illnesses, regardless of your hospital bills. This cash can be used to replace your income if you cannot work, cover long-term treatments, pay for special care, or support your family’s daily expenses.

You should review your policy every 3–5 years because your responsibilities, commitments, and financial status can change over time. Major life events such as marriage, having children, buying a house, or career changes may affect your protection needs. A policy review ensures that your coverage is always aligned with your current situation, so you and your loved ones remain adequately protected at every stage of life.

Will is a legal document that states how your assets will be distributed after you pass away. A trust can work hand-in-hand with your will. The trust can ensure that the benefits from your insurance policy are managed and distributed according to your wishes.
For example: If you leave your insurance payout directly to a minor child, they might not be able to handle the money responsibly. But a trust allows the funds to be managed by a trustee until the child reaches a certain age. There is only one will , but you can set up few trust with different purposes.

Two common examples are EPF (Employees Provident Fund) and life insurance.

EPF: If you nominate beneficiaries with EPF, the money will be paid directly to them without waiting for probate. This ensures your loved ones have quick access to funds for their immediate needs.

Life Insurance: When you nominate a beneficiary for your policy, the insurance payout goes straight to them, without being delayed by legal procedures. This is crucial because families often need fast financial support to cover living expenses, debts, or education costs after the policyholder passes away.

Usually protection plan works longer until age 80 to 100 yrs. Therefore you need to serve at least 20 years premium or continue paying as term . But in every policy , there is fund value for investment link plan where if client choose stop paying premium , can utilized fund to pay but it will only in certain years because it will depends on your premium and how much in fund value.

Top 3 critical illnesses are Heart attack, Stroke and Cancer. If recovered cannot buy a protection plan.

There are 4 types of protections which are Life, Illness, Medical Card and Accident (LIMA). And yes, if you buy policies from different companies, you can claim from all of them, provided the claims are valid. For example, if you are hospitalized, both Insurer A (RM80k) and Insurer B (RM 220k) will pay according to the coverage you have with each. So the total payout claim would be RM 300k.