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Sunday September 22, 2013 MYT 12:00:00 AM
Sunday September 22, 2013 MYT 7:29:49 AM
Zurich TrueLady is a series of products from Zurich Insurance Malaysia that combines protection, savings and investment in one plan and provides a woman with the flexibility to decide her insurance needs as she moves from one life stage to another.
Start planning your future with Zurich Insurance Malaysia’s Zurich TrueLady with Flex Lady Critical Illness.
THE journey through womanhood is a bittersweet experience; from the carefree days of your teenage years filled with sweet memories of family and friends to the excitement of your university education and career, to warm and cherished moments with loved ones and new family members.
As you go through these different phases of womanhood, your needs and health risks will change substantially, and you need to ensure you have the best insurance coverage to suit your needs and to ensure that you are happy at every stage of your life.
As a girl passes the threshold of adolescence, there is an increasing sense of self, and of life and the responsibilities that adulthood brings with it.
Beyond the biological and physiological intricacies of the female gender, there is more to being a woman than meets the eye, and one of this is the need for financial protection.
While you may be eager, as a newly independent young lady, to go out and enjoy yourself with the spoils of your first paycheque, it is essential that you first take a step back and consider the fact that while you may be young and the future may seem to lie far ahead, remember that women generally live longer lives but work for shorter periods and suffer from more illnesses than their male counterparts.
It is important, essential even, to start planning your finances as early as possible.
As a young lady, you have the luxury of making sure you have the financial security you need; Zurich TrueLady with the Flex Lady Critical Illness rider can help you to take advantage of your youth to achieve this.
Zurich TrueLady is a series of products from Zurich Insurance Malaysia and combines protection, savings and investment in one plan and provides a woman with the flexibility to decide her insurance needs as she moves from one life stage to another.
It rewards the woman with a loyalty bonus, a reward for making timely and regular premium payments, and which will help to increase her investment account value. It also includes a three years no-lapse benefit; especially beneficial for those lean years when you just start out as a career woman.
In addition, you have optional benefits such as the guaranteed insurability option to enhance your coverage.
You have the flexibility to add on coverage based on your protection needs at different life stage events, such as marriage and the birth of your child, among others, to your existing plan, without underwriting.
What this means is that the Zurich TrueLady combines our basic Zurich FlexiPlus with the option to add on one or more of the following riders – Flex Lady Critical Illness, Flex Maternity Care and Flex Junior CI.
Other optional riders that can be added on include those that cover hospitalisation and surgery, critical illnesses, personal accident and a range of female protection riders.
For this article, we will concentrate on the Flex Lady Critical Illness.
Zurich TrueLady with Flex Lady Critical Illness is an investment-linked policy with regular premium. It provides a combination of protection, savings and investment elements, and is a flexible plan to meet your needs.
This is suitable for women of all ages, but especially so for a young woman as it provides you with all the essential coverage to ensure that you are protected from financial debt brought on by illness.
In fact, it also assists you financially upon diagnosis of female-related illnesses and surgical treatment.
So, back to you being young, carefree and on the brink of spending that first paycheque. Go ahead, enjoy your youth, but also make sure you protect yourself financially. The way ahead may seem bright and shiny, but there certainly is no harm in taking the right step to secure your future now.
n This article is courtesy of Zurich Insurance.
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