Welcome To CSK Advisory
B-3-10 Seri Gembira Avenue, Kuala Lumpur. enquiry@cskadvisory.com.my

Office Address

  • B-3-10 Seri Gembira Avenue, No. 6 Jalan Senang Ria, Taman Gembira, 58200 Kuala Lumpur.
  • enquiry@cskadvisory.com.my
  • +603-7498 1237
    +6012-260 8433
    +6012-290 8433

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Legacy Insurance

Protecting Your Wealth. Securing Your Family’s Future.

Legacy Insurance is one of the most powerful tools for ensuring your family’s long-term financial stability. It provides a guaranteed payout to your loved ones when they need it most, and when paired with proper beneficiary arrangements or trust structures, it becomes a strong foundation for long-term family wealth preservation.

CSK Advisory helps individuals and families design a strategic legacy plan that ensures wealth is transferred smoothly, responsibly, and according to your wishes—without delays, conflict, or financial stress on your dependents.

Service Introduction

Legacy Insurance is designed to provide financial continuity to your family or appointed beneficiaries in the event of death or total permanent disability (TPD). It ensures immediate liquidity, protects dependents, settles liabilities, and preserves your wealth for future generations.

CSK Advisory works closely with you to analyse your responsibilities, assets, outstanding loans, and family structure. Then we design a legacy strategy that integrates protection, Hibah (if applicable), and trust services to secure your family’s future.

What This Service Covers

Wealth Replacement Insurance

Ensures your family has financial resources to continue their lifestyle after your passing.

Covers:
  • Monthly living expenses
  • Children’s education
  • Spouse income replacement
  • Long-term financial responsibilities
  • Support for dependents or parents
This ensures your family remains stable even when your income stops.

Loan Cancellation & Liability Protection

Legacy Insurance can also be structured to settle:

Covers:
  • Housing loans
  • Car loans
  • Business loans
  • Personal liabilities
This prevents your family from inheriting debt and ensures assets remain in the family.

Estate Liquidity Planning

Many families face issues because assets are frozen or locked within properties.

Legacy Insurance provides instant cash to cover:
  • Funeral expenses
  • Taxes (if any)
  • Bank obligations
  • Immediate living costs
  • Legal processing expenses
This ensures your family does not suffer financial stress while waiting for estate distribution.

Beneficiary Structuring (Nomination / Hibah)

CSK helps ensure your payout reaches the right people quickly and without disputes.

We guide you on:
  • Nominations under life insurance
  • Hibah under Takaful
  • Setting up beneficiaries clearly
  • Avoiding frozen accounts or distribution delays
This ensures a smooth transfer without unnecessary complications.

Trust & Long-Term Distribution (via RHB Trustees)

For families that need more structured legacy solutions, CSK assists with trustee arrangements:

Legacy Insurance provides instant cash to cover:
  • Funds for minor children
  • Gradual or conditional fund release
  • Protection for special needs dependents
  • Long-term wealth management
  • Preventing misuse of funds
This ensures your wealth is preserved and distributed according to your intentions, not external factors.
WHO NEED THIS SERVICE?

Who Needs This?

Parents with young children
Individuals supporting elderly parents
Families with mortgages or long-term commitments
High-income earners wanting to preserve wealth
Business owners who need succession protection
Individuals with blended or complex family structures
Anyone wanting to avoid inheritance disputes
CASE STUDY 1

Young Family With a Mortgage

“If something happens, can my family still keep the house?”
Client Profile:
Potential Problem Without Legacy Insurance: If the main earner passes away:

CSK Advisory Solution:

Real Result (What Happens):
  • Husband (35), wife (33), two children (ages 4 & 6)
  • RM480,000 outstanding housing loan
  • Combined income: RM9,000/month
  • No structured legacy plan
  • Mortgage cannot be repaid
  • House may need to be sold
  • Family loses financial stability
  • Assets may be frozen while waiting for distribution
  • Legacy Protection = RM500,000
  • Hibah nomination (to wife) → instant payout
  • Trustee only if needed (children are minors)
  • Wife receives hibah/life payout quickly
  • Housing loan can be settled
  • Children continue schooling without disruption
  • Family home is preserved
  • Zero dispute / zero faraid waiting
CASE STUDY 2

Elderly Parents Who Depend on Their Child

“Who will take care of my parents if I’m no longer around?”
Client Profile:
Potential Problem:

CSK Advisory Solution:

Real Result:
  • Single daughter, 38
  • Supports both retired parents
  • Parents rely on her for monthly living expenses
  • No existing life insurance
If she passes away:
  • Parents lose their only income support
  • Medical bills & daily expenses become a burden
  • Savings get depleted fast
  • Family may face financial hardship
  • RM300,000 Legacy Insurance payout
  • Hibah nomination to parents
  • Optional trust structure for monthly allowance distribution
  • Parents receive an immediate payout
  • Ensure long-term monthly income (e.g., RM1,500/month)
  • Parents remain financially stable
  • No disputes or delays
CASE STUDY 3

Business Owner With a Business Loan

“What happens to my business and my family if I’m gone?”
Client Profile:
Potential Problem:

CSK Advisory Solution:

Real Result:
  • SME owner, 45
  • Business loan RM350,000
  • Business partner + family depend on him
  • No succession planning
  • Business loan becomes payable
  • Bank may freeze accounts
  • Family cannot manage business
  • Partner struggles to buy over shares
  • Family inherits business debt
  • Business Legacy Insurance
  • Buy-Sell Agreement (CSK structures the protection request)
  • Hibah or nomination to partner + family
  • Sufficient funds to settle loans + buy over shares
  • Loan protected — no burden on family
  • Business partner receives funds to continue operations
  • Family receives fair value of the owner’s shares
  • No disputes, no collapse of business
Scenario
Before Legacy Insurance
With CSK Legacy Planning
Family & Mortgage
Family may lose home
House fully paid, family secure
Elderly Parents
No source of income
Monthly allowance through trust
Business Owner
Debt becomes family burden
Debts cleared, business continues smoothly
HOW WE HELP YOU

How CSK Advisory Helps Your Business

Financial & Family Needs Review

We assess your family structure, dependents, and financial commitments.

Coverage & Gap Analysis

We identify how much legacy protection you truly need.

Tailored Legacy Strategy

We design an insurance plan + nomination/Hibah structure to match your goals.

Trust Arrangement (If Needed)

For minors, elderly parents, or complex families.

Annual Review & Plan Adjustment

Your life changes — your legacy plan should too.

Secure Your Family’s Future With a Strategic Legacy Plan

Protect your wealth, your dependents, and your long-term legacy.
Book Your Legacy Planning Consultation