Updated September 26, 2025 by Samantha

LIMA is our in-house method to simplify insurance planning for clients. Since many people find insurance complicated, LIMA breaks it down into four essential protections: Life, Illness, Medical, and Accident. It guides first-time policyholders to start with the right coverage — either by allocating 10% of their monthly income or with a basic sum assured — ensuring financial security against unexpected events.

Confused About Insurance? LIMA Makes It Easy

LIMA is short form for our in house training and sales presentation to client. I always receive feedback that insurance is very confused and complicated. Therefore , we use this presentation easy for them understand. 

When someone getting her first policy ,its should start with LIMA and the next questions is what is the monthly premium? 

There is 2 way for us to access, 10 % allocation of monthly salary or start with a minimum basic sum assured of Rm50K ( Life, illness & Personal Accident ) and medical plan which 1 million annual limit , which is the current market . 

Life Coverage

Lets have a brief explanation , Life is when someone passed away , sum assured payout of 50K to beneficiary . This is why client need to do nomination, because insurer will pay claim according to nomination. And the unique is the fastest money and debt free.

Illness & Medical Card

This benefits is for ownself , For illnesses, the payout of sum assured 50K will pay directly to your own bank account in lump sum . And in the market , usually we called this as replacement income .

Illness started as 36 critical illness ( CI) to 48 now . And CI actually is very very important to working adults because its will help you to replace monthly income if somenone fall into serious sickness. There is 4 stages of life , and the most crucial stages is at late thirties to fifties. 

Why ? 

Because this stages we will tied up with many family commitments and responsibility and also the stage that we will own the first property, car , marriage or start family. For example if my client diagnosed with breast cancer stage 3 at this stages, and she bought sum assured of critical illness of RM300K , therefore this lump sum amount payout to your personal bank account , so you will have freedom to do what you want n most people with use this money continue to serve monthly loan , family commitments and expenses without withdraw emergency fund or saving. But once you diagnosed critical illness and even recovered after 5 to 10 years, insurer will not covered again . 

What this means? 

Client cannot buy any coverage under LIMA .

With this limitation ,and now more and more young people getting critical illnesses , mental illness and the top 3 killer in Malaysia is HSC ( heart , stroke , cancer) insurer now comes with 180 critical illness , which I strongly recommend to client because they covered cancer as early at stage 1 and when relapsed , there will be additional payout from insurer. Not only that , they even covered illness with different organ and stages means. And even mental illnesses.

And for Medical is for hospitalization and this benefits is for ownself too, but the different is insurer will help to pay hospital bills includes all treatment and follow up claims . If you have personal medical card with the 1 million limit, you might have more options to choose open surgery or key hole surgery for fast recovery n lesser pain. This both CI & medical card is equally important because they plays different benefits which are mainly replace your income and no burden about high inflation of medical expenses. If someone did not buy any CI compare someone very good in saving , after discharged from hospital he need to continue to work or if choose not do , so he need to withdraw saving to serve monthly commitments and expenses to sustain living which affect retirement plan or not able to retire smoothly . We also encourage follow Rule of Thumb of 3 or 5 years of yearly income for CI sum assured , means the lump sum payout can sustain you for 5 years even you stop working which help you and your family can continue with existing lifestyle and no need to withdraw saving or force to liquid part of the investment .
For hospitalization, I always advise client to emphasis annual limit instead of whole life limit. In reality, I see many cancer patient when need to do treatment for example chemotheraphy, radiotherapy somehow all this treatment will deduct from annual limit , but the patient itself normally the body not able to finish all cycle in a year , therefore when you continue next year , the new 1 million will imposed to your annual limit again . And for other follow up claim usually is pre and post the time limit is up to 90 days only .

Personal Accident Coverage

Personal Accident is all the claim must related to accident, and its give to both benefits to yourself and family . If person who is a chef have any minor injury due to accident , for example he cut one of his fingers, so the claim payout will be based on the % of the full sum assured and the payout if for herself . In another situations , if the chef passed away due to car accident, the payout of money will pay to beneficiary . And we have TPD and OAD which both payout also to ownself . Total Permanenet Disablement and Old age disablement.

Whether you want to safeguard your family, expand your wealth, or explore new career paths, FTA is here to guide you every step of the way.

FTA Wealth Solutions is a one-stop financial consultancy in Malaysia, offering holistic services from financial planning and nomination to will writing. As an approved HRDF Corp (Human Resource Development Fund) training provider, we also deliver structured financial literacy and professional development programmes. With over 20 years of industry experience and partnerships with leading providers, we help Malaysians protect, grow, and secure their wealth with clarity and confidence.

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Danau Business Centre, Taman Danau Desa,
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