DISABILITY INCOME PLANS

What will happen if you are unable to continue working due to a disability? An unexpected accident or illness can sometimes disable a person.

Consider these facts:

- 1 in 3 workers will become disabled for a period of 90 days or more before age 65
- The average disability absence is two and a half years
- 1 in 7 workers will be disabled for 5 years or more before they reach 65
- 3-4% of Singaporeans are estimated to be currently disabled and unemployed

The impact of this disability is a loss of income, and even if you can return to work it
may be to a lower paid job due to some level of ongoing disability or illness. This is the real disability cover you need to look into

With the loss of income, would your family be able to cope with the living expenses?

Have you found the best protection against Disability yet? What is Disability Income Plans?

Disability Income is a plan specially designed to protect your income against disability.

- Covers both Permanent and Temporary disability
- Total Disability Benefits – up to $15,000 pm
- Partial disability benefits – in the event you cannot return to the same level of income
- Covers disability from both illness and accidents
- Multiple Claims – even for the same illness
- Covers up to 75% of your regular income
- Pays a monthly benefit until your expected retirement
- No lifetime limit
- Worldwide coverage – will cover you even if you are abroad
- Rehabilitation benefits – to pay for the cost of getting you better
- Escalation benefits – to protect against inflation
- Tax free benefit – the monthly disability benefit you will receive is not subject to income tax

Why do you need a Disability Income Plan?

Most people believe that they do not need a policy to protect their expenses as they are well covered by other policies. The truth is, apart from the usual risk that we are concerned with such as Death, Critical Illness etc, there are many other risk which we are barely covered from.

Call us now and get more information on the most comprehensive Disability Income Plan in the market.

Find out how you can Get Paid for being disabled. Protect your family expenses now!

Visit my website for more details at : > www.financialplanning123.net

Pay No Cash For Your Family Medical Plans

Do you know that you can get medical coverage for your whole family Without Paying Any Cash?

How to get FREE medical cover for all your children?

Which medical plans in the market offers you the best value for money?

How to manage your medical expenses and get ...

- Maximum Possible Payout For Any One Claim
- Unlimited Lifetime Coverage – no limits to your lifetime cover
- Inflation Proof Medical Care
- Free Children Cover – up to age 20
- Guaranteed Lifetime Cover – coverage of your medical expenses regardless of your future health conditions
- Extra Coverage For 5 Common Critical Illness Conditions

Confused? Not sure which plans are suitable for you and family? Let us help you to shop for the best in the market.

Do you know that 1 major illness in your family can wipe out your entire Medisave savings in just 3 months? We can show you proof that it has happened. Don’t let this happen to you.

Call us now or SMS us for a FREE 1 to 1 consultation. If you have an existing plan, we will be glad to review it and provide a second opinion.

We will tell you what you need to do to get 100% coverage.

Enhance Your Eldershield Plans

Do you know that you can enhance your Eldershield cover, Without Paying Any Cash?

We will show you how to …
· receive higher payouts ( up to 2k per month )
· get unlimited payout term
· limited premium paying term for lifetime cover
· get lifetime benefits
· dependant care benefits - extra $200 pm if you have children
· rehabilitation benefits - recover & still receive 50% benefit payout

Cash-free Payment With Medisave - you can use medisave funds up to $600 per year per person. You also have the flexibility to use the medisave of your spouse, children, parents or grandchildren.

Sign up now & enjoy special prices from National Healthcare Group (NHG) for selected services such as :
- health screening
- dietician counseling
- homecare equipments & products from NHG Pharmacies workshops for caregivers

Call us or SMS us now for more details! Basheer @ 96900259

Visit my website for more details at : > www.financialplanning123.net

Choice Of Various Islamic Insurance , Savings & Investments

Insurance :
For insurance & savings, we can help you to plan with the best Takaful products in the industry.

· Takaful Warisan
· Takaful Asset Manager
· Pengurus Simpanan Takaful
· Takaful Saver

Takaful plans are investment-linked policies that bundles investment and protection into one plan.

We can also help you to plan and participate in some of our top Takaful funds - Takaful Asia Pacific Fund, Takaful Global Fund, Amanah Equity Fund, Amanah Bond Fund.

Investments :
For Wealth Accumulation , we have dozens of Syariah Compliant Unit Trusts investments :

DWS Noor Precious Metals
DWS Noor Global Fund
SUT Ethical Funds
UOB UTD Gold & General Funds
Property Funds
Technology Funds
Healthcare Funds
Telecoms Funds
Global Resources Funds

and many more… Unit Trusts investments have generally provided returns of between 10% - 15% over the long term.

Which one to choose? Which is suitable for you? How to diversify your investments to minimize risk? Let us help you to plan for your financial future.

Zakat & Islamic Wills :
We can also help you with zakat calculations on all your insurance policies and investments. Delivered to you via yearly summary statements and yearly review of all your financial plans.

Do you know...
What exactly is the Faraidh breakdown?
What exactly is “Harta Sepencarian”?
What exactly can be claimed upon your spouse’s death?
What is an Estate Document & do we need one (Islamic Will)?
Can a Muslim make a will?
What is Islamic Estate Planning?

Our promise to you… We can Help You To Shop For The Best In The Market, Insya-Allah.

Visit my website for more details at : > www.financialplanning123.net

YOUR PROTECTION NEEDS

Life is full of uncertainties…

What is the first thing that comes to your mind when Critical Illness strikes?
Usually it is whether you would have enough money for treatment.

The expenses for treatment can deplete a substantial portion of your hard-earned savings. It can even wipe out your entire Medisave in months. But you can safeguard yourself against this.

Take up a Critical Illness Cover and your family’s finances will be one less thing to worry about. We also have the plans that provide comprehensive coverage for critical illnesses for your children.

How would your spouse, child or other dependants survive without your income?

It is important to ensure that you and your family are financially prepared should the unexpected happen to you, especially when you have heavy financial commitments.

How to secure your family’s future against uncertainties with the right insurance plans?

- Family Income Protection
- Major Illness Coverage
- Loss Of Income Due To Disability
- Health / Medical expenses
- Mortgage commitments
- Home
- Motor / Travel
- Accident / Injuries

All the above can set you and your family back if the unexpected happens.

Which one do you need? What can you do without? What is the ideal amount of cover you need? What plan is best for your family?

At Phillips, you are not restricted to a single insurance company product.

Instead, we offer you a wide variety of choices from 10 Life Insurance companies.

Our partnership with many well-known Insurance Houses like TM Asia Life, Aviva, AXA, UOB Life, Manulife, AIA, HSBC Insurance, NTUC Income, Zurich Insurance, and Transamerica Life Insurance, ensuring that you have the choice of insurance plans that will suit your needs.

How to get a Term plan with 300k of coverage for Death, Critical Illness, TPD & Terminal Illness for under $80pm!

How about Mortgage Insurance for 300k, 25 yr term for under $50pm?

How to get the best limited payment whole life plan – pay only for 25 yrs but get covered for your whole life , with an annuity payment option?

If you have an existing plan, we will be glad to review it and provide a second opinion. Your financial needs and priorities do change at different stages of your life, hence it would be necessary to review it from time to time.

Contact us @ 96900259 and we will help you shop for the best package in the market!

Visit my website for more details at : > www.financialplanning123.net

Meeting Your Financial Needs

We want to help you live your dreams & secure your family’s financial future.

This is where we at Phillip Capital – one of the largest and oldest Financial Planning group
– can help you.

We have the solutions to meet your financial needs. We are a group of Financial Planning Advisors with 10 years of experience. We have the knowledge and expertise to guide you through the financial planning process.

We have parrtnered with :

- 10 Life Insurance companies
- 26 General Insurance companies
- various banks
- investment houses
- distribute over 400 Unit Trusts
- other innovative financial products

With over 300 products & services,we can provide you with comprehensive solutions for you and your family’s financial needs. Unlimited Range of Financial Products

We Can Help You To Shop For The Best In The Market !

Our Range Of Services :

• Wealth Accumulation
• Retirement Planning
• Family Medical Plans
• Education Planning
• Insurance Planning
• Protection Against Major Illnesses
• Investment Planning
• Islamic Investments & Insurance
• Savings Plan
• General Insurance
• Annuities
• Islamic Wills & Faraid
• Unit Trust Investments
• CPF Investments
• Shares Trading
• Motor Insurance Quotes
• Zakat Calculations

Have you reviewed your financial health? Be wise and review your financial plan to optimize wealth protection, accumulation and distribution.If you have an existing plan, we will be glad to review it and provide a second opinion.

Call us or SMS with your Name & Email for more information or for a FREE 1 to 1 consultation now! Call or SMS Mr. Basheer @ 96900259 or drop me and email : basheer_at_phillip.com.sg

Visit my website for more details at : > www.financialplanning123.net