Make Up Artist + Financial Planner

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Tuesday, May 25, 2010

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.