RHB Wealth Advance

Your FD Can Do More

No Medical Exam | GIO to Age 75 | FD Replacement Strategy

200%

Coverage doubles automatically

RM24/yr

Insurance cost at age 50 (Year 1)

Charges from Year 5-6

14 days

Nominee payout
(vs 6-24 mth probate)

1 The FD Problem

FD at 3.5%: RM300K becomes RM366K in 20 years
Zero life protection — if something happens, family gets only the FD balance
Taxable above RM100K interest threshold
Goes through probate — 6 to 24 months frozen, family cannot access funds
Coverage never grows — RM300K buys less each year with inflation

2 The Wealth Advance Solution

What YOU get as Policy Owner

Your RM300K goes into Bond Fund — conservative, stable, similar risk to FD
On top: life coverage starting at RM300K, growing to RM600K (Inflation Shield)
GIO — no medical exam, guaranteed acceptance up to age 75
Proceeds bypass probate — nominee gets paid in 14 working days
Zero admin charges from Year 6
Free withdrawal from Year 5
Tax relief on premiums

3 FD vs Wealth Advance — Head to Head

Feature	FD (3.5%)	RHB Wealth Advance (Bond Fund)
Return	3.5% fixed	Market-linked (conservative)
Life Protection	None	Yes + grows to 200%
Auto-Increase	No	Yes (+10%/5yr)
Liquidity	Anytime	Free from Year 5
Probate Bypass	No	Yes (14 working days)
Tax on Returns	Taxable >RM100K	Tax-free proceeds
Medical Required	No	No (GIO to 75)
Accidental Death	None	Up to 400% BSA

4 Inflation Shield — Coverage Growth by Entry Age

Entry Age	Yr 1-2	Yr 3-5	Yr 6-10	Yr 11-15	Yr 16-20	Yr 36+
Age ≤50	100%	120%	130%	140%	150%	200%
Age 51-60	100%	110%	120%	130%	140%	200%
Age 61+	100%	105%	115%	125%	135%	200%

In RM Terms (RM300K Total Premium)

Entry Age	Year 3	Year 10	Year 20	Year 36+
Age ≤50	RM360K	RM390K	RM450K	RM600K
Age 51-60	RM330K	RM360K	RM420K	RM600K

5 Insurance Cost Comparison

Entry Age	Year 1	Year 5	Year 10	Year 20
Age 50	RM24	RM742	RM1,424	RM1,834
Age 55	RM42	RM939	RM1,595	RM1,827
Age 65	RM126	RM1,270	RM1,614	RM3,531

Every year you wait, insurance charges go up

6 Cash Value Comparison (Year by Year)

Based on RM100K BSA, 3-Pay, Bond Fund, Male, Non-Smoker

Metric	Age 50	Age 55	Age 65
Cash Value Yr 5 (Sc.Y)	~RM324K	~RM325K	~RM323K
Cash Value Yr 10 (Sc.Y)	~RM337K	~RM337K	~RM334K
Cash Value Yr 20 (Sc.Y)	~RM464K	~RM467K	~RM466K
Death Benefit Yr 10	RM390K	RM360K	RM345K

7 Conversation Guide

Open

"I know you're thinking about preserving what you've built. Most clients at this stage have FDs..."

Hook (PO Benefits)

"Here's what this does for YOU: Your RM300K goes into Bond Fund — conservative, stable. On top of that, you get life coverage that grows to RM600K. FD gives zero protection."

Trust Builder

"Look at the numbers: cash value after 10 years is around RM337K. That's comparable to FD. But on TOP, you have RM390K death benefit. FD gives RM366K and zero protection."

"Do you have FD maturing in the next 1-2 months? That's the perfect time to redirect."

8 Objection Handling

"At my age (60+), is it too late?"

This is one of the only products with GIO to age 75 — no medical exam, guaranteed acceptance. This is actually your last window to get coverage this easily. Every year you wait, the insurance cost goes up and the Inflation Shield grows slower.

"My FD is guaranteed, this isn't"

FD guarantees zero protection. If something happens, your family gets the FD amount — after 6 to 24 months of probate. With Wealth Advance, nominee gets paid in 14 working days, plus the coverage is higher than what you put in.

"I already have enough insurance"

When was the last time you reviewed it? RM100K coverage from 2006 is worth about RM50K in today's money. The Inflation Shield automatically increases your coverage every 5 years — it keeps up with inflation without you doing anything.

"What if the bond fund loses money?"

The Bond Fund is the most conservative option available — it invests primarily in government and corporate bonds. And regardless of fund performance, the Inflation Shield provides a floor on your death benefit that keeps growing.

9 WhatsApp Opener

Copy & personalise:

Hi [Name], I have a question Do you have any FD maturing in the next month or two? I ask because I've been looking at an investment plan specifically for clients in their 50s-60s — _no medical exam needed_, guaranteed acceptance You pay for 3 years, your money goes into a conservative bond fund, and on top of that you get life protection that _automatically increases_ every 5 years up to RM600K The part my clients love most: the proceeds go directly to your nominee — _bypasses probate completely_. No frozen accounts, no 2-year wait Interested to see the numbers for your situation?

10 Discovery Questions

"Do you have FD maturing in the next 1-2 months? What amount?"
"Have you planned how your assets will be distributed?"
"If something happened, how long would family wait for estate settlement?"
"Have you tried applying for insurance recently?"

For RM reference only. Not for client distribution.
Product issued by Tokio Marine Life Insurance Malaysia Bhd.
All figures from Sales Illustrations, TM Pro v4.26. Fund returns are illustrative, not guaranteed.