Slow Bleed · Your Family's Money

When you become the dependent.

Every plan handles the day you die. Almost none handles the day you're alive and can't earn. Here's what that day actually costs — from both sides at once.

A stroke
A heart attack
An accident that disables
A major illness
The slow arrival of age
Different roads — same destination: alive, here, and no longer able to earn. It doesn't take a rare event. This is what that destination costs.
Your situation · adjust anything
A stroke, accident, or long illness. Presets to a common working-age event.
age
What the business brings in through you — the tap that shuts off.
Editable. Preset is illustrative, not a benchmark.
The spouse or child who steps out of work to care for you. Set to 0 if they don't earn — we'll switch to the cost of replacing their care.
Clinical-grade care after a serious event.
Src: Senior Living Malaysia — MOH-licensed nursing (post-stroke) shared room RM4,500–8,000/mo (2026).
Surviving a major event often means many years, not few.
Care inflation 5%/yr, kept separate from general inflation. Income shown flat (conservative).
1 · The income your family relied on you forThe earning the household counted on — gone from the event onward.
RM 0
2 · Income that pausesThe caregiver's earning, paused to look after you.
RM 0
3 · Cost that startsCare and medical, compounding at its own rate.
RM 0
The swing · what leaves the family
RM 0
What now flows away over 15 years — two incomes lost, one cost gained. The question isn't whether it's a big number. It's how much of it you've actually covered.
The widening gap · cumulative, over the years
Before you feel safe — one question

Without looking it up: if you survived a stroke tomorrow and couldn't work again, how much would your insurance pay you, every month, to live on? Not the death payout. Not the hospital bill. The you're-still-here, can't-earn payout.

So, on this page's numbers
Until you can name what actually pays out, treat the whole RM 0 as exposed. You can't subtract cover you can't name.
Find out what you're actually covered for

Most owners hold several policies and have never had anyone read the fine print across all of them together — what pays on death, on disability, and on the day you're alive but can't earn.

What a policy audit actually is
1
You send what you have. Your existing policies, however messy — life, medical, disability, anything. No forms to fill.
2
I read the fine print — all of it, together. Every policy, every clause, mapped against the three things that matter: what pays if you die, if you're disabled, and if you're alive but can't earn. This is the slow part, and the point.
3
You get a straight answer. A plain-language map of what you're actually covered for, and where the gaps are. Not a pitch — a picture.
It's a proper piece of work, priced to the complexity of what you hold — because reading policy wording properly takes time. That's exactly why it rarely gets done.
Book a policy audit →

This is exactly the conversation I have with owners. Let's have yours.

Start the conversation →

Education, not advice. Every figure here is illustrative and driven by inputs you control — it shows the shape of the risk, not a personalised recommendation, and no specific product is endorsed. Hit 1 counts the full income the household relied on you for; a business may still earn something without you, so treat it as the family's dependency on your earning, not a claim the business stops dead. Care costs compound at an assumed 5%/year (care inflation), kept separate from general inflation; income is shown flat as a conservative floor. A coverage review examines your existing policies; it is not a recommendation to buy any product. For your own situation, speak to a licensed financial planner.

Sources
Care & nursing cost: Senior Living Malaysia, Cost of Eldercare (2026) — MOH-licensed nursing, post-stroke shared room RM4,500–8,000/mo.
Unpaid-care replacement (caregiver = 0): Senior Living Malaysia — live-in domestic helper RM2,000–4,000/mo all-in; preset RM3,000.
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