Enjoy your Womanhood with Venture Woman

HLA Perfect Venture Woman Helping You Achieve The Balance In Your Life.

You want to be financially independent but how much can you accumulate by saving the conventional way?

Single or married, smart women take charge of their own finances to get more out of life. The big question is, how?

Venture Woman opens up the opportunity for you to get the funds you want, as and when you need it with the reassurance of financial protection for your health.

Why Venture Woman?

So that you can enjoy your womanhood as the female illnesses are well taken care of by Venture Woman.

Statistic for female illnesses?

-One in 9 Malaysian women has a chance of developing breast cancer:

1/14 for Chinese

1/15 for Indians 

1/24 for Malays

-In Malaysia, Every 3 minutes, one woman is diagnosed with breast cancer 

-The malignancy with the second highest incidence in women in Malaysia is Cervix Cancer

(Source: Breast Health Information Centre)

What are the plan benefits?

Female illness protection

Maternity benefits

Female illness protection coverage?

-Female Cancer

Breast,Cervix,Uterus,Fallopian Tubes,Vulva/Vagina,Ovary

-Carcinoma-in-situ

Breast or Cervix uteri

-Facial Reconstructive due to accident 

Face or neck

Maternity Benefit?

-Pregnancy Complication

Disseminated Intravascular-DIC, Stillbirth and Ectopic Pregnancy

-Congenital Anomalies

Down’s Syndrome, Spina Bifida and Tertralogy of Fallot

-Death due to childbirth 

Hospitalization benefit?

-Hospitalization Benefit on childbirth (max 5days perdelivery,3 claims) 

RM 1000 per day x 5 days = RM 5,000 per delivery

RM 5000 x 3 claims = RM 15,000

Other Benefits?

-Cash Flow (projector cash value)

-Can be converted to Saving Account for your child's education or for your own retirement purposes.

-Premium waive upon dignose 36 Critical Illness

-Protection RM 100,000

Coverage for Death/Total Permanent Disablement

Coverage for Old Age Disablement

All these benefits with Monthly Premium @ RM 100 only.

 Now You have 2 protection plans to choose from :

A) Venture Woman Deluxe best suits you if you are not planning to have children or any more children.

B) Venture Woman Premier best suits you if you are planning to have children or more children as it incorporates maternity benefits and financial protection against a wide range of pregnancy complications.

Both plans provide financial protection against:

-Death

-Total/ Permanent Disability

-Coverage against female cancers

-Carcinoma-in-situ of breast and cervix uteri.

-Facial reconstructive surgery.

Venture Woman is easy and flexible, you can increase your savings by topping up your account or make withdrawals whenever the need arises, as often as you like so long as each withdrawal is of a minimum of RM500 and the minimum account balance

after withdrawal is RM3,000.

Venture Woman is a flexible new way of managing your finances. And a smarter way of looking after yourself!

HLA Wealth Builder Saving Account

HLA Wealth Builder Account Provides a better lifestyle for you and family.

You Plant, You Grow, You Harvest

8 Benefits in 1 Account :

B1 : Guaranteed 6 YEARS payment ONLY
B2 : Guaranteed Income till age 90
B3 : Guaranteed yearly interest
B4 : Cash Dividend from investment return
B5 : Guaranteed Sum Assured
B6 : Guaranteed by Bank Negara Malaysia
B7 : Premium waive upon diagnose 36 critical illness
B8 : Income tax relief

eg. 

Mr Prospect age 30.

Basic Sum Assured : 100.000

Monthly Savings : RM 4,000

Yearly Savings  : RM 48,000

Total Savings for 6 years : RM 288,000

Guaranteed Yearly Interest from Year 1 to Year 9:               RM 5000 x 9y = RM 45,000 
Guaranteed Yearly Interest from Year 10 (age 40) to age 75: RM 10,000 x 35y = RM 350,000
Guaranteed Yearly Interest from age 76 to age 90:              RM 500 x 14y = RM 7,000


Total Guaranteed Yearly Interest from age 30 to age 90:   RM 402,000

On top of that you will also receive a non-guarantee cash dividen from investment return.

Previous Years Investment Return Rate
2003/2004	10.70	%
2004/2005	5.02	%
2005/2006	6.30	%
2006/2007	8.30	%
2007/2008	7.10	%
2008/2009	5.50	%
2009/2010	5.80	%
Average Rate	6.96

Total Guaranteed Yearly Interest + Cash Dividen received during maturity: RM 3,034,959.49

is the possible level of benefits you may expect assuming if the participating fund earns 6.50% every year.

note that this is only a simplified summary based on indicative quote only. For Mr. prospect age 30.

Commit for only 6 short years and enjoy unending stream of income up to age 90. Savings can be made either annually, quarterly, half yearly or monthly through cash payment, cheque, credit card, or autodebit. 

The earlier you start, the less you need to save and the more you will have. 

Everyone Deserves the BEST lifestyle, What's yours?

Ask yourself,

What kind of lifestyle are you looking for? Comfortable, Trendy and Glamorous!

What lifestyle do you need? home ownership, college education, retirement funds or family inheritance?

Do you want to Retire Young? Retire Rich? Retire with Peace of Mind?

Now, how do we build a secure nest egg to ensure a comfortable lifestyle for our own comfort?


Since Year 1957, Majority of Malaysians only choice of living their retirement life was with help of their children.

During the 60s and 70s when we experienced economic growth, Malaysians preference was live their retirement life, with pension scheme which was what you call Employment Profident Fund (EPF).

Today, Malaysian preference is to live their retirement life with EPF. But this time it means Early Pre-retirement Fund. Why?
Malaysia has now achieved improved Health. With that, we get longer life expectancy and lower mortality. Hence, we have higher expectation of living.

At the age of 45- 50, majority of us, will withdraw a certain amount to fund our children's education buy a super condo or perhaps a nice ride.
 
Do you know that retirement is the world's longest coffee break?
There is NO STRESS because you have NO JOB = NO PAY = NOTHING TO DO.(Shake legs)

The Star Sunday May 27,2007

Only 5% of Malaysians are prepared for retirement. Despite a growing awareness for the need to prepare for one's retirement, many don't translate their plans into action.

Those in their 20s think they are too young to think about retirement, while those in their 30s and 40s tend to believe they are doing enough because they have their EPF savings. 

By the time they are 55, it is just too late.

The sad truth is that at 55, most people cannot retire with financial security.

Based on EPF's 2005 annual report, about 90% of EPF contributors have less than RM100k in their accounts - not enough to see them through 20years past retirement.

People do not plan to fail, but most people fail to plan. Averagely, Malaysian retirees at the age of 55 finish their EPF within 5-10 years.

The challenge of retirement is how to spend time without spending money.
You can be young without money but you can't be old without it. -Tennessee Williams
If you don't manage your wealth, no wealth for you to manage. So you should start planning yourself or let others help you to plan. Wealth creation, wealth preservation and wealth distribution is very important.
It is not at what age you want to retire, it is all about at what income you want to retire - George Foreman 
So, Efficient financial planning has to start now before it is too late!
The only person who can take care of the older person you will someday be is the younger person you are now!

Today, 30/04/2010 HLA WEALTH BUILDER was launched and it is a Market Mover with its Unending stream of cashflow from Year 1 to 90. GUARANTEED YEARLY INCOME, SHORTEST-TERM COMMITMENT, LONGEST TERM RETURNS and with PRESERVED VALUE.

You now have the opportunity to plan and build your own wealth for your near future, retirement and for your loved one.

It is Good to Plan Early. Ring me NOW for an appointment 012-4728607 if you should need a financial advisor to Help you Discover the amount of WANT and How Much do you already HAVE = the amount of NEED needed for a better tomorrow.

It is Your Choice, Your Decision, so ACT NOW!

Thank you. Looking forward to hear from you soon. Cheers!