{"id":54,"date":"2026-03-25T13:47:46","date_gmt":"2026-03-25T13:47:46","guid":{"rendered":"https:\/\/securelife.my\/?p=54"},"modified":"2026-03-27T06:23:28","modified_gmt":"2026-03-27T06:23:28","slug":"income-protection-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/income-protection-malaysia\/","title":{"rendered":"\u5728\u9a6c\u6765\u897f\u4e9a\u4f60\u9700\u8981\u6536\u5165\u66ff\u4ee3\u8ba1\u5212\u76843\u5927\u7406\u7531"},"content":{"rendered":"<div class=\"wp-block-uagb-image aligncenter uagb-block-af52e438 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-protection-1024x572.jpg ,https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-protection.jpg 780w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-protection.jpg 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-protection-1024x572.jpg\" alt=\"Prudential wealth planner explaining income protection and Hibah Takaful to prevent asset freezing for families in KL and Penang 2026.\" class=\"uag-image-55\" width=\"1376\" height=\"768\" title=\"income protection\" loading=\"lazy\" role=\"img\"\/><\/figure><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>As a Prudential agent in Malaysia, the biggest mistake I see is families not having proper <strong>income protection<\/strong><\/strong><\/h4>\n\n\n\n<p class=\"translation-block\">\u4f5c\u4e3a\u670d\u52a1\u4e8e\u5409\u9686\u5761\u548c\u69df\u57ce\u5bb6\u5ead\u7684 Prudential \u8d22\u5bcc\u89c4\u5212\u5e08\uff0c\u6211\u7ecf\u5e38\u6ce8\u610f\u5230\u4e00\u4e2a\u4ee4\u4eba\u60ca\u8bb6\u7684\u73b0\u8c61\uff1a\u5e74\u8f7b\u4e13\u4e1a\u4eba\u58eb\u5e38\u72af\u7684\u6700\u5927\u9519\u8bef\uff0c\u662f\u4e3a\u4ed6\u4eec RM5,000 \u7684\u667a\u80fd\u624b\u673a\u548c RM100,000 \u7684\u6c7d\u8f66\u4e70\u4fdd\u9669\uff0c\u5374\u5b8c\u5168\u5fd8\u8bb0\u4e86\u4e3a\u4ed6\u4eec\u6700\u5b9d\u8d35\u7684\u8d44\u4ea7\u2014\u2014**\u201c\u8d5a\u94b1\u7684\u80fd\u529b\u201d**\u4e70\u4fdd\u9669\u3002<\/p>\n\n\n\n<p> \u5982\u679c\u4f60\u62e5\u6709\u623f\u4ea7\u6216\u9700\u8981\u629a\u517b\u5bb6\u4eba\uff0c\u4ec5\u4ec5\u4f9d\u9760\u94f6\u884c\u5b58\u6b3e\u662f\u975e\u5e38\u5371\u9669\u7684\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u5728 2026 \u5e74\uff0c\u4e3a\u4ec0\u4e48\u6536\u5165\u66ff\u4ee3\u8ba1\u5212\uff08\u4eba\u5bff\u4fdd\u9669 \/ Hibah Takaful\uff09\u662f\u4f60\u4e0d\u53ef\u6216\u7f3a\u7684\u5fc5\u9700\u54c1\u7684 3 \u5927\u5173\u952e\u7406\u7531\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1&#xfe0f;&#x20e3; Inflation &amp; Debt: Why Income Protection is Crucial<\/strong><\/h4>\n\n\n\n<p>\u5df4\u751f\u8c37\u548c\u69df\u57ce\u7684\u751f\u6d3b\u6210\u672c\u6b63\u5728\u7a33\u6b65\u4e0a\u5347\u3002\u6211\u4eec\u6765\u7b97\u4e00\u7b14\u8d26\uff1a\u5982\u679c\u4f60\u7684\u5bb6\u5ead\u57fa\u672c\u6bcf\u6708\u5f00\u9500\uff08\u4f19\u98df\u3001\u6c34\u7535\u3001\u5b69\u5b50\u6559\u80b2\u8d39\uff09 <strong>\u662f RM3,000<\/strong> \u90a3\u4e48\u5728\u6ca1\u6709\u4f60\u6536\u5165\u7684\u60c5\u51b5\u4e0b\uff0c\u4ed6\u4eec\u81f3\u5c11\u9700\u8981 RM360,000 \u624d\u80fd\u6491\u8fc7\u63a5\u4e0b\u6765\u7684 10 \u5e74\u3002\n\u6536\u5165\u66ff\u4ee3\u8ba1\u5212\u80fd\u63d0\u4f9b\u4e00\u7b14\u5373\u65f6\u7684\u5de8\u989d\u73b0\u91d1\u6ce8\u5165\uff0c\u786e\u4fdd\u4f60\u5bb6\u4eba\u7684\u751f\u6d3b\u6c34\u5e73\u4e0d\u4f1a\u5728\u4e00\u591c\u4e4b\u95f4\u88ab\u901a\u80c0\u6467\u6bc1\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2\ufe0f\u20e3 \u907f\u5f00\u6cd5\u5f8b\u5ef6\u8bef\uff08\u8d44\u4ea7\u51bb\u7ed3\uff09 <\/strong><\/h4>\n\n\n\n<p>\u8bb8\u591a\u9a6c\u6765\u897f\u4e9a\u4eba\u8bef\u4ee5\u4e3a\uff0c\u4ed6\u4eec\u7684\u94f6\u884c\u5b58\u6b3e\u548c\u623f\u5b50\u4f1a\u81ea\u52a8\u8f6c\u4ea4\u7ed9\u914d\u5076\u6216\u5b69\u5b50\u3002 <strong>\u8fd9\u662f\u5927\u9519\u7279\u9519\u7684\u3002<\/strong> \u4e00\u65e6\u8eab\u6545\uff0c\u6240\u6709\u8d44\u4ea7\u5c06\u5728\u6cd5\u5f8b\u4e0a\u88ab\u51bb\u7ed3\uff0c\u4ee5\u7b49\u5f85\u9057\u5631\u8ba4\u8bc1 (Probate) \u6216\u6cd5\u62c9\u4f0a\u5fb7 (Faraid) \u6cd5\u5ead\u7a0b\u5e8f\uff0c\u8fd9\u53ef\u80fd\u8017\u65f6 6 \u4e2a\u6708\u5230\u6570\u5e74\u4e0d\u7b49\u3002\n\u800c\u62e5\u6709\u63d0\u540d\u4eba\u7684\u4fdd\u9669\u7406\u8d54\u6216 Hibah Takaful \u53ef\u4ee5\u5b8c\u5168\u7ed5\u8fc7\u8fd9\u4e9b\u7e41\u7410\u7684\u6cd5\u5f8b\u7a0b\u5e8f\uff0c\u5728\u77ed\u77ed 14 \u5230 30 \u5929\u5185\u4e3a\u4f60\u7684\u5bb6\u4eba\u63d0\u4f9b\u6d41\u52a8\u73b0\u91d1\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3\ufe0f\u20e3 \u503a\u52a1\u6ce8\u9500 VS \u88ab\u8feb\u51fa\u552e<\/strong><\/h4>\n\n\n\n<p>\u7559\u4e00\u680b\u623f\u5b50\u7ed9\u5bb6\u4eba\u662f\u4ef6\u7f8e\u597d\u7684\u4e8b\uff0c\u4f46\u7559\u7ed9\u4ed6\u4eec\u4e00\u680b\u8fd8\u6709\u672a\u8fd8\u6e05\u623f\u8d37\u7684\u623f\u5b50\uff0c <em>\u5c31\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u8d1f\u503a<\/em> \u5982\u679c\u94f6\u884c\u8981\u6c42\u6309\u6708\u8fd8\u6b3e\uff0c\u800c\u4f60\u7684\u8d26\u6237\u53c8\u88ab\u51bb\u7ed3\uff0c\u4f60\u7684\u5bb6\u4eba\u53ef\u80fd\u4f1a\u88ab\u8feb\u4ee5\u4f4e\u4e8e\u5e02\u4ef7\u7684\u4ef7\u683c\u8d31\u5356\u623f\u5b50\u3002\n\u6536\u5165\u4fdd\u969c\u786e\u4fdd\u4f60\u7684\u503a\u52a1\u968f\u4f60\u800c\u53bb\u3002\u8fd9\u7b14\u7406\u8d54\u91d1\u53ef\u7528\u4e8e\u7acb\u5373\u8fd8\u6e05\u623f\u8d37\uff0c\u7559\u7ed9\u5bb6\u4eba\u4e00\u4e2a\u771f\u6b63\u96f6\u8d1f\u503a\u7684\u8d44\u4ea7\u3002\ud83c\udfe1<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u672c\u5730\u5e38\u89c1\u95ee\u9898 <\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u95ee\uff1a\u6211\u5230\u5e95\u9700\u8981\u591a\u5c11\u6536\u5165\u66ff\u4ee3\u4fdd\u989d\uff1f<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u7b54\uff1a<\/strong> \u9a6c\u6765\u897f\u4e9a\u8d22\u52a1\u4e13\u5bb6\u7684\u7ecf\u9a8c\u6cd5\u5219\u662f <strong>\u4f60\u5e74\u6536\u5165\u7684 10 \u500d<\/strong> \u6216\u8005\u8db3\u4ee5\u507f\u8fd8\u6240\u6709\u672a\u507f\u503a\u52a1\u52a0\u4e0a 5 \u5e74\u7684\u751f\u6d3b\u8d39\u3002\u4f5c\u4e3a Prudential \u4ee3\u7406\uff0c\u6211\u53ef\u4ee5\u5e2e\u60a8\u7cbe\u786e\u8ba1\u7b97\u60a8\u7684\u201c\u6536\u5165\u66ff\u4ee3\u7387\u201d<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-33eeba2e\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-de1a61a5 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/wa.me\/60184635595?text=%22Hi!%20I%20read%20your%20article%20about%20Income%20Protection%20%26%20Asset%20Freezing.%20Can%20you%20help%20me%20calculate%20how%20much%20coverage%20my%20family%20actually%20needs%3F%20Thanks!%22%0A%0A%E4%BD%A0%E5%A5%BD%EF%BC%8C%E6%88%91%E7%9C%8B%E4%BA%86%E4%BD%A0%E5%85%B3%E4%BA%8E%E6%94%B6%E5%85%A5%E6%9B%BF%E4%BB%A3%E4%B8%8E%E8%B5%84%E4%BA%A7%E5%86%BB%E7%BB%93%E7%9A%84%E6%96%87%E7%AB%A0%E3%80%82%E4%BD%A0%E8%83%BD%E5%B8%AE%E6%88%91%E8%AE%A1%E7%AE%97%E4%B8%80%E4%B8%8B%E6%88%91%E7%9A%84%E5%AE%B6%E5%BA%AD%E5%88%B0%E5%BA%95%E9%9C%80%E8%A6%81%E5%A4%9A%E5%B0%91%E4%BF%9D%E9%9A%9C%E5%90%97%EF%BC%9F%E8%B0%A2%E8%B0%A2%EF%BC%81\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Contact Us<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p>\u4e0d\u8981\u628a\u5bb6\u4eba\u7684\u672a\u6765\u4ea4\u7ed9\u8fd0\u6c14\u3002\u4eca\u5929\u5c31\u5f00\u59cb\u4fdd\u62a4\u4ed6\u4eec\u7684\u660e\u5929\u3002 <\/p>\n\n\n\n<p>&#x1f449; <strong>&#x1f4f1; WhatsApp Me to Calculate Your <a href=\"https:\/\/securelife.my\/zh\/the-true-cost-of-living-in-malaysias-top-cities\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/the-true-cost-of-living-in-malaysias-top-cities\/\">Income Protection<\/a> Ratio <\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>As a Prudential agent in Malaysia, the biggest mistake I see is families not having proper income protection As a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":55,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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a Prudential agent in Malaysia, the biggest mistake I see is families not having proper income protection As a [&hellip;]","_links":{"self":[{"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/posts\/54","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/comments?post=54"}],"version-history":[{"count":7,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/posts\/54\/revisions"}],"predecessor-version":[{"id":112,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/posts\/54\/revisions\/112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/media\/55"}],"wp:attachment":[{"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/media?parent=54"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/categories?post=54"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securelife.my\/zh\/wp-json\/wp\/v2\/tags?post=54"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}