E-Warranty Steadfast Advisory



We all want to provide for our family, whether we have a new baby or a couple of teenagers. So we work hard to pay the mortgage and put food on the table. But what would happen to your loved ones in the event of your death? If they could not rely on your salary, how would they manage financially?

Family life insurance, another way of describing life insurance, pays out a lump sum or a regular income on death and can offer a financial lifeline to grieving relatives. A policy could, for example, clear the mortgage or any other debts so your family would not have to worry about losing the roof over their heads. It could also cover day-to-day expenses or even a specific commitment, such as school fees – private or international schools, tertiary education, daycare etc

Early Critical illnesses can hit anyone at any time but it may not necessarily be fatal. With today’s medical advancement, early stage critical illnesses can be treated and recovered. As breadwinner, you may want to get the assurance and peace of mind that you have additional the resources needed to cope with the financial strain of extraordinary medical & daily household expenses in the event of being diagnosed with critical illness. The medical insurance will take care of your medical expenses during your hospitalization treatment, out-patient treatment and take home medications. Most common medical afflictions to strike Malaysians – cancer, heart attack, stroke, coronary heart disease and kidney failure.

As Licensed Financial Adviser, we will be able source financial products from licensed insurance providers that cater from womb-to-tomb. Ask our Financial Advser Representatives and they will be glad to guide you and your family.


Having a sound wealth accumulation plan intact not only helps you prepare for your own future and financial stability; it could also impact the lives of your children and future generations. A properly structured wealth building strategy enables you to face any challenge that may arise throughout all stages of life.

With assistance from Steadfast, we can help you develop customized plans to achieve your long-term goals, strengthen your financial security and maintain your quality of life. We’ll also help answer the countless questions related to the inevitable life events you will encounter. Sound good? Let our Financial Advsier Representatives help you to structure a suitable financial plan.


DEFINITION of ‘Estate Planning’

The collection of preparation tasks that serve to manage an individual’s asset base in the event of their incapacitation or death, including the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of a Licensed Estate Planner or Financial Adviser.

Some of the major estate planning tasks include:
– Creating a will
– Limiting estate taxes by setting up trust accounts in the name of beneficiaries
– Establishing a guardian for living dependents
– Naming an executor of the estate to oversee the terms of the will
– Creating/updating beneficiaries on plans such as life insurance, Employees Provident Funds (EPF), Private Retirement Scheme (PRS) and Pensions funds
– Setting up funeral arrangements
– Establishing annual gifting to reduce the taxable estate

Qualifying to Make a Will :
There are three prerequisites that must be satisfied when making a will before it is considered valid:
The testator must be at least

  • West Malaysia & Sarawak – eighteen years old (Age of Majority Act 1971) ,
  • Sabah – twenty-one years old (Section 4 of the Wills Ordinance 1953)
  • The testator must be of ‘sound mind’ (“testamentary capacity”) (Section 3 of the Wills Act 1959)
    Must be in writing and must also be signed by the testator (or affixed with the testator’s mark) in the will in the presence of two witnesses.

    Administration of Intestate Estate (without a Will) – For Non-Muslims only

    For Peninsular Malaysia and Sarawak excluding Muslims and Sabah, the law governing the distribution of estate upon intestacy is the Distribution Act 1958 (Amended Act 1997) that the Administrator must distribute to lawful beneficiaries after paying all the lawful debts.

    When a person passes away without a Will and do ot have any surviving spouse, issue and parents, the following person(s) are entitled to the estate in accordance of priority as follows :
    1) Brothers / Sisters
    2) Grandparents
    3) Uncles / Aunts
    4) Great Grandparents
    5) Great Uncles & Aunts
    6) Government


    No. 25 - 2, Jalan Putra Mahkota 7/7B,
    Putra Point Business Centre,
    Putra Heights,
    47650 Subang Jaya, Selangor, Malaysia.


    :+603 - 5614 0323
    :+011 - 1076 2375


    Call & Whatsapp
    : +6016 - 3585 747

    : www.ewarranty2u.com
    : harold@ewarranty2u.com
    : careline@ewarranty2u.com