Life before the accident
Aiman was typical of his generation. At 26, he was freelancing and working contract gigs, enjoying the flexibility of the gig economy. He had no children, no mortgage, and in his mind, no need for life insurance. He viewed insurance as a “death benefit”—money that would only be useful after he was gone. Since he had no dependents, he couldn’t see the point.
The accident that changed perspective
That changed on a mundane Thursday. While moving equipment for a shoot, a heavy light stand fell and crushed his hand. It wasn’t a permanent injury, but it resulted in severe swelling and a hairline fracture. The doctor ordered him to rest his hand completely for two weeks. For a graphic designer who relied on his hands to work, this was a disaster.
Aiman went home and sat in silence. For the first time, he did the math. If he couldn’t work for two weeks, he lost half his monthly income. What if the injury had been permanent? What if he had lost the use of his hand entirely? He realized his ability to earn money was his only asset, and it was terrifyingly fragile. He had zero savings to sustain him for more than a month.
Learning that security can be planned
Statistics from Bank Negara Malaysia reveal that 75% of Malaysians do not have at least RM1,000 in emergency savings. Aiman was part of that statistic. The minor accident was a wake-up call. He reached out to our advisor from TM Legacy Builders, looking for a safety net.
Our advisor introduced him to the concept of “Income Replacement.” She explained that life insurance isn’t just about dying; it includes Total Permanent Disability (TPD). If an accident took away his ability to work, the policy would pay out a lump sum to replace the income he would have earned over a lifetime. It transformed the intangible idea of “insurance” into a concrete “salary security” plan.
Taking the first step
Aiman decided to start small. He didn’t overcommit to an expensive plan he couldn’t sustain. He chose a policy that matched his current income, ensuring that if a major accident ever happened, he wouldn’t be destitute. Aiman now works with a different kind of confidence. He knows that his future isn’t entirely dependent on his luck avoiding accidents. Through TM Legacy Builders, he learned that security isn’t something that happens by accident; it is something you design.
Key takeaway for young working adults
- Life insurance isn’t only for worst-case scenarios.
- Small incidents can reveal bigger risks.
- Planning early makes protection easier and more affordable.
- Security is something you build, not something you wait for.
How TM Legacy Builders helps first-time planners
Our advisor provided clear, judgment-free guidance, taking the time to truly understand his situation. There was no pressure to decide immediately. At TM Legacy Builders, we meet people where they are, focusing not on overselling products but on understanding our clients’ needs and priorities.
