A dream bigger than home
Mrs. Lim remembered the day Mei was born. Looking at her daughter, she made a silent promise: Mei would have opportunities she never had. As Mei grew, she showed a brilliant aptitude for science. By secondary school, she was talking about studying biotechnology in the UK. Mrs. Lim’s heart swelled with pride, but her mind raced with worry.
Seeing education as a long-term goal
As a school teacher, Mrs. Lim earned a modest, stable income. But the British Pound was strong. The cost of tuition and living expenses in the UK was astronomical—easily exceeding half a million ringgit. Relying on her EPF savings or hoping for a scholarship felt like a gamble she couldn’t afford to take.
Mrs. Lim had started planning when Mei was just five years old. She met with our advisor from TM Legacy Builders, who showed her the reality of education inflation—tuition fees rise by about 5-6% annually. Our advisor proposed an education insurance endowment plan. It forced Mrs. Lim to save a fixed amount every month, treating it like a bill that had to be paid.
Staying disciplined through life changes
It wasn’t always easy. There were months when the car broke down or the roof leaked, and Mrs. Lim was tempted to pause the premiums. But the structure of the policy kept her disciplined. She knew that if she stopped, the policy would lapse. So, she persisted, viewing the monthly payment as buying a brick for Mei’s future university.
When the opportunity finally came
When Mei received her acceptance letter from a prestigious UK university, the moment of truth arrived. The policy matured. Along with the guaranteed sum, the accumulated bonuses over 14 years resulted in a payout of RM150,000.
This lump sum was a game-changer. While it didn’t cover the entire degree, it covered the first two years and the initial setup costs. It meant Mrs. Lim only needed a small loan for the remainder, rather than a crippling debt. It gave them the liquidity to say “Yes” immediately.
Turning planning into possibility
Mei is now in her second year in London. Mrs. Lim sleeps well at night, knowing she didn’t just wish for her daughter’s success; she funded it. TM Legacy Builders helped her turn a teacher’s salary into a global education through the power of time and discipline.
More than financial support
It provided huge support for both parents, as they were a middle-income household. It gave them pride knowing that they were able to support their child’s ambitions. The child felt encouraged and did not have to worry too much, and only had to focus on her studies. Planning strengthened the family’s confidence and gave them the assurance they needed to support their child’s ambition.
Key takeaways for parents
- Big dreams require early preparation.
- Small, consistent planning builds big opportunities.
- Education insurance helps create financial discipline.
- Planning turns “maybe” into ‘possible.‘
How TM Legacy Builders supports education planning
TM Legacy Builders helps parents map realistic education goals. With structured plans around timelines and affordability, we guide families through long-term commitments like in this case. We support planning at every stage of a child’s growth.
