Protection planning for BM's business owners, professionals and growing families — medical card, business protection, and will writing done as one plan
Bukit Mertajam runs on business. From the shophouses around the old town to the growing townships of Alma and Machang Bubok, BM is full of families whose wealth is tied up in a business, a few properties, and years of hard work. Protecting that takes more than a basic policy — it takes a plan.
I'm Keith Tew Chong Wei, AIA Premier Presidential Life Planner and MDRT 7× member. A large part of my practice is Bukit Mertajam business owners and families — people who need their medical coverage, business protection, and estate plan to actually work together.
With KPJ Penang Specialist Hospital right in Bukit Mertajam, BM families have excellent private care minutes away. The question is whether your medical card lets you use it without touching your savings. I design AIA as-charged plans with adequate annual limits — because a serious illness at 2026 private hospital prices runs into six figures. Medical card Malaysia guide
If your family's income depends on your business, and your business depends on you — what happens to both if you're hospitalised for three months? I help BM towkays structure keyman coverage, business loan protection, and personal critical illness plans so the business survives even when the boss can't work.
This is where BM families need the most help. A shophouse, two properties, a business, some shares — without a will, all of it goes through intestate distribution: years of delay, frozen accounts, and family disagreements. I help you write a legally valid will, set up hibah nominations on your policies, and — for families with young children — structure testamentary trusts so children inherit at the right age, in stages, not as a lump sum at 18. Will writing Malaysia explained
Many BM parents I meet want two things: children's education secured no matter what, and family assets passing smoothly to the next generation. I combine education funding plans with children trust structures so both are locked in.
Usually in this order: (1) your own medical card — you are the business's most important asset, (2) critical illness coverage sized to replace 2–3 years of your income, (3) business loan/keyman coverage if the business has debts or depends heavily on you, (4) a will so business assets don't freeze. We prioritise based on your actual situation and budget in a free review.
Yes — a properly executed will (digital platforms like SnapWill included) is legally valid in Malaysia under the Wills Act 1959, and covers immovable property like your BM shophouse or house in Alma. What matters is correct execution: signed, two witnesses, proper appointment of executor. I walk you through it and make sure it's done right.
Without planning, their inheritance sits with the court-appointed administrator until they turn 18 — then they receive everything at once. A testamentary trust in your will lets you name a trusted person to manage the money for their upbringing and release it in stages (e.g. 25, 30). This is one of the most important things BM parents can set up, and one of the least done.
Yes — Bukit Mertajam town, Alma, Berapit, Machang Bubok, and the surrounding townships. I'm in the BM area weekly for client meetings.
Bukit Mertajam | Alma | Berapit | Machang Bubok. Bring your current policies — I'll show you exactly what's covered, what's missing, and what your estate plan needs.
WhatsApp Keith Now Fill Enquiry Form