1. HLA Income Builder

2. 0%
ASSET Sa
20
-3
t
8
vin 0%
en
–
70
m
g
st
ve
In
- Shares
- Properties
- Saving Account, <1%
- Unit Trust
- Current account, 0 – 1%
- Bonds
- Fixed Deposit, 3%
- Business
- EPF 5.8%
- Etc.
Income
Builder

3. FD rates

5. Income Builder
Provide BEST return in the MEDIUM to LONG term

6. Income Builder
Yea Deposits Guaranteed Dividend Death/TPD
r Yearly Income Benefit
1 RM 100,000.00 RM 30,000.00 RM 6,000.00 RM 630,000.00
2 RM 100,000.00 RM 30,000.00 RM 6,000.00
3 RM 100,000.00 RM 30,000.00 RM 6,000.00
4 RM 100,000.00
5 RM 100,000.00
6 RM 100,000.00
5.5% Increase
7 Stop Deposit compounding every year
8 - interest every
year
-
-
-
Age 60 Golden Age Bonus RM 41,000.00 RM 6,000.00
20 RM 600, 000.00 RM 1,046,000.00 RM 209,000.00 RM 1,360,000.00

7. Benefits
• Guarantee Yearly Income
• Dividend
• 3x Payment
• Golden age bonus ( high Guarantee Yearly
Income)
• No risk ( won’t be affected by the market)
• Free Depositor Protection
• Guaranteed additional 3 times of TPD benefit
payable upon TPD due to accident only
• Optional extend to 30 years or more
• Bankruptcy Proof