financial literacy leads to a balanced life

Our competently-trained Financial Advisers are here to offer unbiased and unparalleled financial advices and planning solutions specially tailored to empower every individual or business in meeting their specific financial goals.

Personal Finance
Corporate & Business Solution
Education
Claim Management

Your Health and Wellness Are Our Priority

Still Waters FSB provides a full range of flexible insurance solutions, so you and your loved ones can focus on living life to the fullest.

Life Insurance
Health Insurance
Legacy Planning
General Insurance

life insurance

Types of Life Insurance Plans in Malaysia

As we go through life, our needs evolve. With us, you will receive tailored solutions that are catered to meet your needs at different stages of your life.

Term Life Insurance

Customisable life protection plans with affordable premiums and flexible coverage terms.

Whole Life Insurance

Get a lifelong protection against death and disability while accumulating cash values for a stable financial security.

Investment-linked Life Insurance

A hybrid of insurance protection and investment.

Women’s Life Insurance Plan

A personalised insurance plan for superwomen from all walks of life.

Children’s Life Insurance Plan

Start protecting your children and grow their savings even before they see their first ray of daylight.

Health Insurance

The protection pillar for all your health needs.

Why health insurance policy is important?

Medical Plans

Customisable medical plans based on your unique needs when you are hospitalised for treatment or are surgically treated:

Room & Board

Intensive Care Unit

Surgical Fees

Hospital Supplies & Services

Anaesthetist Fees

In-Hospital Physician Visit

Operating Theatre Fees

Critical Illness Plans

Staying protected so that you can focus on your recovery with critical illness plan that provides financially relief to cover:

Living expenses

Top up medical expenses

Pass on to your beneficiary

Other Benefits

Legacy Planning

What ?

You can protect the interests of those closest to you with estate planning and asset transfers, complete with protection plan if anything unexpected happens to you.

"It’s never too early to start planning the legacy you want to leave behind."

Why ?

Legacy planning has many benefits, here are some common benefits you can leave something behind for your future generation.

Financial legacy support for your loved ones

Will writing benefit

High non-medical limit

Flexible contribution and coverage term

Maturity benefit

General Insurance

Protect ourselves and the things we value, such as our homes, our cars and our valuables.

Motor Insurance

Home Insurance

Personal Accident Insurance

Travel Insurance

It is important to protect your valuable assets

When you buy a motor vehicle,

You need to buy a motor insurance policy for use of the vehicle on the road.

MOTOR INSURANCE

The common motor insurance types are:-

Motor comprehensive cover
Motor third party cover
Motor third party, fire & theft cover

The common house policy coverages are:-

Fire, lightning and explosion caused by gas used for domestic purpose
Coverage against damage caused by floods and landslides
Theft with violent/forcible entry or exit
Coverage for landlords
Accidental death & permanent disablement

Home is where the heart is.

You'll get a comprehensive insurance designed to protect your home.

HOME INSURANCE

24/7 worldwide protection

Sometimes life brings you unwanted surprises. Everyone needs a protector from everyday mishaps.

PERSONAL ACCIDENT INSURANCE

The common personal accident policy coverages are:-

Accidental death
Permanent disablement
Medical expenses
Hospitalization benefits
Funeral allowance
Weekly indemnity

The common travel policy key benefits are:-

Death and permanent disablement
Loss of personal property & baggage
Loss of passport and money
Medical expenses & alternative treatment
Flight & baggage delay
Hijacking

Prepare for your next holiday.

Plan your next vacation ahead of time for a stress-free journey and stay protected.

TRAVEL INSURANCE

Corporate & Business Solution

Protect your business and employees. We tailor effective solutions for different industries, meeting and bridging the needs of both employers and employees.

Business Solution

Safeguard your business

Predicting what’s going to happen in the years to come is no easy task. But making sure your business is protected at all times is in the palm of your hand.

BUSINESS SOLUTION

What does it provide?

Broad Protection

Protects your company building or offices from unexpected occurrences such as fire, burst water pipes, malicious acts etc.

Coverage for damages caused by theft

Covers damages to various items such as equipment, furniture, stock kept within property etc caused by theft or forced entry or exit.

Financial Protection

Your business will be secured if a robbery or theft attempt causes financial loss or harm the building. This includes cash stolen from a safe, strongroom, cash register or while in the middle of being brought into or out of the building.

Accident Cover

This covers you and your workers if an accident within the company building ends in death or injury. You may receive an extra payout of RM 10,000 if theft in the building causes the loss of an employee or forces any one of them to lose a limb or lose the use of their limbs.

Employee Benefits

Retain Your Best Employees

In this COVID-19 era, keeping your employees engaged and productive, whilst taking care of their well-being is extremely important.

EMPLOYEE BENEFITS

Four common types of Employee Benefits

Medical insurance

The plans that can cover hospital visits, doctor visits, surgeries, prescriptions and possibly vision and dental. As the employer, you will cover the majority of the premium.

Disability Insurance

You can choose to offer short-term and long-term disability insurance. If your employee is injured or has a lengthy illness, this benefit provides payment during the period your employee cannot work.

Life insurance

If your employee dies, this benefit will provide financial payments to the employee’s named beneficiaries; these benefits can cover funeral costs and ongoing living expenses.

Retirement Benefits

The most common type is which allows employees to deduct a certain amount of each paycheck to put towards retirement savings. Some businesses choose to match that deduction amount.

Small and Medium-size Enterprises Advisory

Accelerate Your Businesses

We offer expert advice and in-depth knowledge to our clients to prepare them for uncertainties and challenges.

SME ADVISORY

type of services offered

Starting up and regulatory advisory

Business registrations and incorporation of companies

adaptive insurance solutions

License applications

GST registrations

Filing of changes, and filing of annual returns

Trademark applications

Property Insurance

protect your business from the unexpected

No matter how well prepared you are, every business is vulnerable to physical damage that could result in costly interruptions to daily operations.

PROPERTY INSURANCE

What is the coverage?

Fire

Covers loss or damage to your building & contents resulting from fire, lighting or explosion.

Accidental Risk

Covers accidental loss or damage to office equipment, computers & peripherals, furniture & fittings, plants and machinery at insured premise.

Burglary

Covers loss or damage to the property insured due to theft.

Fidelity Guarantee

Protects the insured against loss of monies or goods as a result of fraud or dishonesty committed by employees.

Lost income

Covers the loss of not being able to run your business.

Business Machine & Equipment

Covers loss or damages to property due to fire, theft or any other accidents or misfortunes unless specifically outlined to be excluded in the policy.

Business Interruption Insurance

Prevent your business financial loss now

Protect your organisation from unexpected disasters that can potentially lead to income loss for your businesses.

BUSINESS INTERRUPTION INSURANCE

What is the key benefits?

Flexible policies that can be tailored to client’s needs

Protection for miscellaneous exposures

maintain your income stream while your doors are closed

Organise and quantify your claim

meet financial obligations to the bank, shareholders and staff

Liability Insurance

extra protection against lawsuits

Responding to the fast-growing liability exposures of modern businesses.

LIABILITY INSURANCE

common types of liability insurance:

Public Liability Insurance

Covers your legal liability to third party as a result of an accident happening during the period of cover in connection with your business operations and occurring within the territorial scope.

Workmen's Compensation Insurance

To protect an employer’s liability for an injured worker or worker suffering from occupational diseases from the workplace.

Product Liability Insurance

Covers the cost of compensating anyone who is injured by a faulty product that your business designs, manufactures or supplies.

Professional Indemnity Insurance

A professional such as an accountant, architect and solicitor can protect against his legal liability due his own professional negligence.

Employer's Liability Insurance

Covers the employer because the employer may be at risk of being sued by those employees who are not protected by Workmen’s Compensation Acts or SOCSO.

Comprehensive General Liability

Commonly acquired by contractors who undertake projects in industries like energy and telecommunication as part of the contract requirements.

Technology Insurance

Business Safety Comes First

Safeguard your IT and technology firm with the right business insurance policy.

TECHNOLOGY INSURANCE

type of insurance coverages

Professional Indemnity (Errors and Omissions)

Media Liability (Intellectual Property, Privacy and Media)

Fidelity bonds for technology businesses and IT professionals

Cyber

Combined General and Products (CGL) Liability

Education

We offer a customized approach to ascertain what would work best for your business and employees.

One-to-One Learning

One-to-one is a type of networking and key principle of business, and these real-life human interactions important. Let us interact with the instructor and their fellow participants much more effectively so you can receive additional hints from non-verbal signs like gestures, intonation and facial expressions.

Seminars & Trainings

It is a great benefit in being in that space where you absorb the energy of experts and other like-minded individuals. You’ll be surprised at what you will get when you expand your horizon and meet new people. There are different personalities with various backgrounds that come to seminars and trainings.

Talks

Storytelling is one that helps a lot. It’s a powerful way of getting your point across in an engaging way. Whether you’re interested in improving an area of your life, want to learn something new or just want to have a laugh, talks have got you covered.

Claim Management

We strive to settle your claims promptly and professionally to minimize any inconvenience.

Submit the completed claim form

Prepare related receipts and/or medical reports in proper sequence

Our claim representative will be in touch after you file your claim

Call (+60) 11 5500 3778 if you're in an emergency

Call Us Now

Talk to us now

Get Connected!

(+60) 11 3600 6550