{"id":83,"date":"2026-03-27T03:30:33","date_gmt":"2026-03-27T03:30:33","guid":{"rendered":"https:\/\/securelife.my\/?p=83"},"modified":"2026-03-27T07:09:07","modified_gmt":"2026-03-27T07:09:07","slug":"10-year-income-replacement-rule-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/10-year-income-replacement-rule-malaysia\/","title":{"rendered":"10\u5e74\u6536\u5165\u66ff\u4ee3\u6cd5\u5219\uff1a\u5982\u4f55\u5728\u9a6c\u6765\u897f\u4e9a\u4fdd\u969c\u60a8\u7684\u5bb6\u4eba"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-1024x572.png\" alt=\"Prudential agent explaining the 10-year income replacement rule for families in KL and Penang\" class=\"wp-image-85\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-1024x572.png 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-300x167.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-768x429.png 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-1536x857.png 1536w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-2048x1143.png 2048w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/income-replacement-life-insurance-kl-penang-2-18x10.png 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u5728\u9a6c\u6765\u897f\u4e9a\u89c4\u5212\u5bb6\u5ead\u8d22\u52a1\u5b89\u5168\u65f6\uff0c\u4e13\u4e1a\u4eba\u58eb\u4f7f\u7528\u7684\u9ec4\u91d1\u6807\u51c6\u662f 10 \u5e74 <strong>\u6536\u5165\u66ff\u4ee3\u7387\u89c4\u5219\u3002<\/strong>.<\/h3>\n\n\n\n<p>\u5bf9\u4e8e\u5c45\u4f4f\u5728\u5409\u9686\u5761\u3001\u516b\u6253\u7075\u518d\u4e5f\u6216\u69df\u5c9b\u7b49\u7e41\u534e\u5730\u533a\u7684\u5bb6\u5ead\u6765\u8bf4\uff0c\u9ad8\u6c34\u5e73\u7684\u751f\u6d3b\u662f\u5e38\u6001\u3002\u60a8\u9a7e\u9a76\u7740\u5b89\u5168\u7684\u6c7d\u8f66\uff0c\u9001\u5b69\u5b50\u4e0a\u8457\u540d\u7684\u56fd\u9645\u6216\u79c1\u7acb\u5b66\u6821\uff0c\u5e76\u4e14\u5f88\u53ef\u80fd\u5728\u5b5f\u6c99\uff08Bangsar\uff09\u7684\u516c\u5bd3\u6216\u4e39\u7ed2\u9053\u5149\uff08Tanjung Tokong\uff09\u7684\u534a\u72ec\u7acb\u5f0f\u6d0b\u623f\u80cc\u8d1f\u7740\u5de8\u989d\u623f\u8d37\u3002\u4f5c\u4e3a\u5bb6\u5ead\u7684\u7ecf\u6d4e\u652f\u67f1\uff0c\u60a8\u5c31\u662f\u652f\u6491\u8fd9\u79cd\u751f\u6d3b\u65b9\u5f0f\u7684\u7ecf\u6d4e\u5f15\u64ce\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u5982\u679c\u8fd9\u4e2a\u5f15\u64ce\u7a81\u7136\u505c\u6b62\u8fd0\u8f6c\uff0c\u4f1a\u53d1\u751f\u4ec0\u4e48\u4e8b\uff1f<\/p>\n\n\n\n<p>\u8bb8\u591a\u4e13\u4e1a\u4eba\u58eb\u5c06\u62e5\u6709\u201c\u533b\u836f\u5361\u201d\u4e0e\u62e5\u6709\u201c\u4eba\u5bff\u4fdd\u9669\u201d\u6df7\u4e3a\u4e00\u8c08\u3002\u5f53\u60a8\u751f\u75c5\u65f6\uff0c\u60a8\u7684\u533b\u836f\u5361\u662f\u7528\u6765\u652f\u4ed8\u7ed9\u533b\u9662\uff08\u5982\u9e70\u9601\u533b\u9662\u6216\u53cc\u5a01\u533b\u7597\u4e2d\u5fc3\uff09\u7684\u3002\u4f46\u662f\uff0c\u5982\u679c\u53d1\u751f\u81f4\u547d\u7684\u60b2\u5267\u6216\u4e25\u91cd\u7684\u6c38\u4e45\u6027\u6b8b\u75be\uff0c\u60a8\u7684\u533b\u836f\u5361 <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f90b0b\" class=\"has-inline-color\">\u4e0d\u5c5e\u4e8e<\/mark><\/strong> \u652f\u4ed8\u60a8\u7684\u623f\u8d37\u3001\u60a8\u5b69\u5b50\u7684\u5b66\u8d39\uff0c\u4e5f\u4e0d\u80fd\u4e3a\u60a8\u5bb6\u4eba\u7684\u9910\u684c\u63d0\u4f9b\u98df\u7269\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#e30f0f\" class=\"has-inline-color\">\u5982\u4f55\u8ba1\u7b97 <strong>\u60a8\u5bb6\u5ead\u7684<\/strong> \u6536\u5165\u66ff\u4ee3\u89c4\u5219<\/mark><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>\u5168\u7403\u7684\u8d22\u52a1\u4e13\u5bb6\u90fd\u5bf9\u5bb6\u5ead\u7ecf\u6d4e\u652f\u67f1\u8ba4\u540c\u7684\u4e00\u4e2a\u9ec4\u91d1\u6807\u51c6\uff1a <\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\"><strong>10\u5e74\u6536\u5165\u66ff\u4ee3\u6cd5\u5219<\/strong>.<\/mark><\/p>\n\n\n\n<p>\u8fd9\u4e2a\u6982\u5ff5\u5f88\u7b80\u5355\uff1a\u60a8\u7684\u7406\u60f3\u4eba\u5bff\u4fdd\u9669\u7406\u8d54\u91d1\u989d\uff0c\u5e94\u8be5\u81f3\u5c11\u7b49\u4e8e\u60a8\u76ee\u524d\u5e74\u6536\u5165\u768410\u500d\u3002<\/p>\n\n\n\n<p><strong>\u4f8b\u5982\uff1a<\/strong> \u5982\u679c\u60a8\u6bcf\u5e74\u7684\u6536\u5165\u662f15\u4e07\u4ee4\u5409\uff0c\u60a8\u7684\u4eba\u5bff\u4fdd\u9669\u4fdd\u989d\uff08Sum Assured\uff09\u5e94\u8be5\u662f150\u4e07\u4ee4\u5409\u3002 <\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#28b928\" class=\"has-inline-color\">\u4e3a\u4ec0\u4e48\u662f10\u5e74\uff1f<\/mark><\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u4e0d\u80fd\u518d\u63d0\u4f9b\u7ecf\u6d4e\u652f\u6301\uff0c\u4e00\u4e2a\u5bb6\u5ead\u5e73\u5747\u9700\u898110\u5e74\u7684\u65f6\u95f4\u624d\u80fd\u5f7b\u5e95\u5b8c\u6210\u8d22\u52a1\u91cd\u7ec4\u3002\u5b83\u4e3a\u60a8\u914d\u5076\u63d0\u4f9b\u4e86\u957f\u8fbe\u5341\u5e74\u7684\u7f13\u51b2\u671f\uff0c\u8ba9\u4ed6\u4eec\u80fd\u591f\u629a\u517b\u5b69\u5b50\u3001\u7ed3\u6e05\u623f\u8d37\uff0c\u5e76\u5728\u4e0d\u906d\u53d7\u751f\u6d3b\u6c34\u5e73\u5927\u5e45\u4e0b\u964d\u7684\u5c48\u8fb1\u4e0b\uff0c\u5bfb\u627e\u5176\u4ed6\u6536\u5165\u6765\u6e90\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-8ba68696\"><h2 class=\"uagb-heading-text\"><strong>\u4fdd\u8bda\u63d0\u4f9b\u8ba9\u60a8\u5b8c\u5168\u5b89\u5fc3\u7684\u89e3\u51b3\u65b9\u6848<\/strong><\/h2><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f20\u7edf\u7684\u4eba\u5bff\u4fdd\u9669\u8fc7\u53bb\u5e38\u88ab\u8ba4\u4e3a\u662f\u6602\u8d35\u7684\u3002\u4f46\u900f\u8fc7\u4fdd\u8bda\u73b0\u4ee3\u5316\u7684\u4fdd\u969c\u7ed3\u6784\uff0c\u5bf9\u9a6c\u6765\u897f\u4e9a\u4eba\u800c\u8a00\uff0c\u83b7\u5f97\u9ad8\u4fdd\u989d\u7684\u5bff\u9669\u4fdd\u5355\u4ece\u672a\u50cf\u73b0\u5728\u8fd9\u6837\u7075\u6d3b\u4e14\u7ecf\u6d4e\u5b9e\u60e0\u3002<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#38983c\" class=\"has-inline-color\">\u4fdd\u8bda\u5982\u4f55\u4fdd\u969c\u60a8\u5bb6\u4eba\u7684\u751f\u6d3b<\/mark><\/strong><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\">1.\u623f\u8d37\u6ce8\u9500:<\/mark><\/strong>\u65e0\u9700\u62c5\u5fc3\u5371\u673a\u671f\u95f4\u94f6\u884c\u62cd\u5356\u60a8\u5728\u516b\u6253\u7075\u518d\u4e5f\u6216\u4e54\u6cbb\u5e02\u7684\u5bb6\u5ead\u4f4f\u5b85\uff0c\u4eba\u5bff\u4fdd\u9669\u7684\u7406\u8d54\u91d1\u4f1a\u7acb\u5373\u7ed3\u6e05\u5269\u4f59\u7684\u623f\u8d37\u3002\u60a8\u7684\u5bb6\u4eba\u5c06\u5b8c\u5168\u62e5\u6709\u8be5\u623f\u4ea7\u3002<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\">2. \u5b8c\u5168\u53ca\u6c38\u4e45\u6b8b\u75be\u7406:<\/mark> <\/strong>\u6b7b\u4ea1\u5e76\u975e\u552f\u4e00\u7684\u98ce\u9669\u3002\u5982\u679c\u75be\u75c5\u6216\u610f\u5916\u5bfc\u81f4\u60a8\u6c38\u4e45\u65e0\u6cd5\u5de5\u4f5c\uff0c\u4fdd\u8bda\u4f1a\u5728\u60a8\u5728\u4e16\u65f6\u5c06\u4fdd\u989d\u5168\u6570\u652f\u4ed8\u7ed9 <em>*\u60a8*<\/em> \u8fd9\u5c31\u5982\u540c\u60a8\u7684\u7ec8\u6781\u66ff\u4ee3\u85aa\u6c34\u3002<\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\"><strong>3.\u7075\u6d3b\u7684\u4fdd\u8d39\u9009\u9879 <\/strong><\/mark>\u65e0\u8bba\u60a8\u662f\u9700\u8981\u4f4e\u6210\u672c\u3001\u5927\u989d\u4fdd\u969c\u7684\u7eaf\u5b9a\u671f\u5bff\u9669\u7ed3\u6784\uff0c\u8fd8\u662f\u80fd\u591f\u4e3a\u60a8\u9000\u4f11\u751f\u6d3b\u7d2f\u79ef\u73b0\u91d1\u4ef7\u503c\u7684\u6295\u8d44\u8fde\u7ed3\u4fdd\u5355\uff0c\u4fdd\u8bda\u90fd\u80fd\u5b8c\u7f8e\u5730\u6839\u636e\u60a8\u76ee\u524d\u7684\u73b0\u91d1\u6d41\u548c\u672a\u6765\u76ee\u6807\u91cf\u8eab\u5b9a\u5236\u4fdd\u5355\u3002<\/p>\n\n\n\n<p>Don&#8217;t let your family&#8217;s financial security rely merely on &#8220;hope.&#8221; Proper<a href=\"https:\/\/securelife.my\/zh\/medical-card-vs-critical-illness-3-things-you-must-know\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/medical-card-vs-critical-illness-3-things-you-must-know\/\"> income replacement<\/a> ensures that your love and protection outlast you.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>\u672c\u5730\u5e38\u89c1\u95ee\u9898\u89e3 <\/strong><\/p>\n\n\n\n<p><strong>\u95ee\uff1a\u6211\u5e74\u8f7b\u5355\u8eab\uff0c\u4f4f\u5728\u5409\u9686\u5761\u79df\u6765\u7684\u516c\u5bd3\u91cc\u3002\u6211\u8fd8\u9700\u8981\u4eba\u5bff\u4fdd\u9669\u5417\uff1f<\/strong><\/p>\n\n\n\n<p><strong>\u7b54\uff1a<\/strong>\u9700\u8981\uff0c\u4e3b\u8981\u4e3a\u4e86\u5b8c\u5168\u53ca\u6c38\u4e45\u6b8b\u75be\uff08TPD\uff09\u4fdd\u969c\u3002\u5982\u679c\u60a8\u4e25\u91cd\u6b8b\u75be\u4e14\u65e0\u6cd5\u5de5\u4f5c\uff0c\u60a8\u5c06\u4f1a\u6210\u4e3a\u5e74\u8fc8\u7236\u6bcd\u7684\u5de8\u5927\u8d22\u52a1\u8d1f\u62c5\u3002\u4eba\u5bff\u4fdd\u9669\u65e2\u4fdd\u62a4\u4e86 <em>*\u60a8*<\/em> \u4e5f\u514d\u9664\u4e86\u60a8\u7684\u7236\u6bcd\u5fc5\u987b\u8d44\u52a9\u60a8\u7ec8\u8eab\u62a4\u7406\u8d39\u7528\u7684\u91cd\u62c5\u3002<\/p>\n\n\n\n<p><strong>\u95ee\uff1a\u6211\u7684\u516c\u79ef\u91d1\uff08KWSP\uff09\u5b58\u6b3e\u53ef\u4ee5\u7b97\u5165\u6211\u768410\u5e74\u6536\u5165\u66ff\u4ee3\u4e2d\u5417\uff1f<\/strong><\/p>\n\n\n\n<p><strong>\u7b54\uff1a<\/strong>\u53ef\u4ee5\uff0c\u5b83\u7684\u786e\u662f\u9057\u4ea7\u7684\u4e00\u90e8\u5206\u3002\u7136\u800c\uff0c\u4ec5\u4ec5\u4f9d\u9760\u516c\u79ef\u91d1\u901a\u5e38\u4e0d\u8db3\u4ee5\u66ff\u4ee3\u4e00\u4f4d\u4e13\u4e1a\u4eba\u58eb\u957f\u8fbe10\u5e74\u7684\u9ad8\u6602\u751f\u6d3b\u8d39\u7528\u3002\u6b64\u5916\uff0c\u4eba\u5bff\u4fdd\u9669\u80fd\u63d0\u4f9b <em>*\u5373\u65f6*<\/em> \u7684\u73b0\u91d1\u6ce8\u5165\uff0c\u65e0\u9700\u7b49\u5f85\u516c\u79ef\u91d1\u7684\u63d0\u53d6\u7a0b\u5e8f\u3002\u8ba9\u4eba\u5bff\u4fdd\u9669\u6210\u4e3a\u60a8\u7684\u4e3b\u8981\u4fdd\u62a4\u76fe\u5427\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u60a8\u77e5\u9053\u60a8\u51c6\u786e\u7684\u201c\u6536\u5165\u66ff\u4ee3\u6570\u5b57\u201d\u662f\u591a\u5c11\u5417\uff1f\u7acb\u5373\u70b9\u51fb\u4e0b\u65b9\uff0c\u4e3a\u60a8\u5bb6\u4eba\u83b7\u53d6\u514d\u8d39\u7684\u5b9a\u5236\u4eba\u5bff\u4fdd\u9669\u6d4b\u7b97\u3002 <\/p>\n\n\n\n<p>\u8ba9\u6211\u4eec\u4e00\u8d77\u6765\u5efa\u7acb\u60a8\u575a\u4e0d\u53ef\u6467\u7684\u5b89\u5168\u7f51\u3002<\/p>\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-36e91b7f\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-4d4fe6fc 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=Hi%2C%20I%20read%20your%20post%20about%20the%2010-Year%20Income%20Replacement%20Rule.%20I%20would%20like%20a%20free%20assessment%20to%20see%20how%20much%20coverage%20I%20need%20for%20my%20family%20in%20%5BKL%20%2F%20Penang%5D.%0A%E6%82%A8%E5%A5%BD%EF%BC%8C%E6%88%91%E9%98%85%E8%AF%BB%E4%BA%86%E6%82%A8%E5%85%B3%E4%BA%8E10%E5%B9%B4%E6%94%B6%E5%85%A5%E6%9B%BF%E4%BB%A3%E6%B3%95%E5%88%99%E7%9A%84%E6%96%87%E7%AB%A0%E3%80%82%0A%E6%88%91%E6%83%B3%E8%BF%9B%E8%A1%8C%E4%B8%80%E6%AC%A1%E5%85%8D%E8%B4%B9%E8%AF%84%E4%BC%B0%EF%BC%8C%E7%9C%8B%E7%9C%8B%E6%88%91%E5%9C%A8%E3%80%90%E5%90%89%E9%9A%86%E5%9D%A1%20%2F%20%E6%A7%9F%E5%9F%8E%E3%80%91%E7%9A%84%E5%AE%B6%E4%BA%BA%E9%9C%80%E8%A6%81%E5%A4%9A%E5%B0%91%E4%BF%9D%E9%A2%9D%E3%80%82%0A\" 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>\u4e86\u89e3\u5409\u9686\u5761\u548c\u69df\u57ce\u7684 10 \u5e74\u6536\u5165\u66ff\u4ee3\u89c4\u5219\uff0c\u4ee5\u4fdd\u62a4\u60a8\u7684\u5bb6\u4eba\u3002<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>When planning for your family&#8217;s financial security in Malaysia, the golden standard used by professionals is the 10-year income replacement 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