{"id":16141,"date":"1995-05-21T14:36:50","date_gmt":"1995-05-21T06:36:50","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=16141"},"modified":"2022-01-17T18:36:02","modified_gmt":"2022-01-17T10:36:02","slug":"conquer-your-dreams-with-the-right-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/conquer-your-dreams-with-the-right-insurance-coverage","title":{"rendered":"Conquer Your Dreams With The Right Insurance Coverage"},"content":{"rendered":"<p><script type=\"text\/javascript\" src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/3.3.1\/jquery.min.js\"><\/script>\r\n<script type=\"text\/javascript\">\r\n\t\t$( document ).ready(function() {\r\n\t\t\t var getUrlParameter = function getUrlParameter(sParam) {\r\n    var sPageURL = window.location.search.substring(1),\r\n        sURLVariables = sPageURL.split('&'),\r\n        sParameterName,\r\n        i;\r\n\r\n    for (i = 0; i < sURLVariables.length; i++) {\r\n        sParameterName = sURLVariables[i].split('=');\r\n\r\n        if (sParameterName[0] === sParam) {\r\n            return sParameterName[1] === undefined ? true : decodeURIComponent(sParameterName[1]);\r\n        }\r\n    }\r\n    return false;\r\n};\r\n\r\n\t        var utm = (getUrlParameter('utm_source'));\r\n\t        var medium = (getUrlParameter('utm_medium'));\r\n\t        var campaign = (getUrlParameter('utm_campaign'));\r\n\t          $(\".typeform-widget\").attr(\"data-tf-hidden\", \"utm_source=\" + utm + \",\" + \"utm_medium=\" + medium + \",\" + \"utm_campaign=\" + campaign );\r\n\t\t\t\r\n\t\t\t$(\".tf-v1-widget iframe\").attr(\"src\", \"https:\/\/form.typeform.com\/to\/haig24a1?typeform-embed-id=42807346716399053&typeform-embed=embed-widget&typeform-source=imoney.my&typeform-medium=snippet&typeform-medium-version=next#utm_source=\" + utm + \"&\" + \"utm_medium=\" + medium + \"&\" + \"utm_campaign=\" + campaign );\r\n\t\t});\r\n\t<\/script><br \/>\n<a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/seemed-far-away-mountain-sunset-conquer-climbing-true-life.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16146\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/seemed-far-away-mountain-sunset-conquer-climbing-true-life.jpg\" alt=\"seemed-far-away-mountain-sunset-conquer-climbing-true-life\" width=\"598\" height=\"291\" srcset=\"\/articles\/wp-content\/uploads\/seemed-far-away-mountain-sunset-conquer-climbing-true-life.jpg 598w, \/articles\/wp-content\/uploads\/seemed-far-away-mountain-sunset-conquer-climbing-true-life-300x145.jpg 300w, \/articles\/wp-content\/uploads\/seemed-far-away-mountain-sunset-conquer-climbing-true-life-102x50.jpg 102w\" sizes=\"auto, (max-width: 598px) 100vw, 598px\" \/><\/a><\/p>\n<p>Protecting your most important assets is an important step in creating a solid personal financial plan. The right\u00a0insurance policies will go a long way towards helping you safeguard your earning power, your possessions and your loved ones. Adequate insurance coverage not only protects, but it also creates the incentive for you to save your way in fulfilling your financial dreams.<\/p>\n<div class=\"typeform-widget\" data-tf-widget=\"haig24a1\" data-tf-iframe-props=\"title=Prudential EPF survey (23 Dec)\" data-tf-medium=\"snippet\" data-tf-hidden=\"utm_source=test,utm_medium=xxxxx,utm_campaign=xxxxx\" style=\"width:100%;height:400px;\"><\/div>\n<p><script src=\"\/\/embed.typeform.com\/next\/embed.js\"><\/script><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial-goal-1-Retirement\"><\/span><b>Financial goal #1: Retirement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Retirement years are called the golden years of one\u2019s life. The idea of leaving the workforce and travelling the world or spending more time with your family might sound like heaven-on-earth, but there is a lot to prepare for financially.<\/p>\n<p>Preparing for a happy and peaceful retirement is a lifelong process. After all the hectic years of earning to fulfill the needs of your family and yourself, retirement should be the time when you can finally settle down and enjoy the fruits of your labour. However, your dream retirement is only feasible if you have been smart during the working years.<\/p>\n<p>A retirement annuity provides you with a stream of income during your retirement years. Generally, a retiree needs at least 60% of their last drawn salary to maintain their standard of living pre-retirement.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-01.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16302\" title=\"insurance annuity plan\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-01.png\" alt=\"insurance annuity plan\" width=\"600\" height=\"1391\" srcset=\"\/articles\/wp-content\/uploads\/infographics-annuity-01.png 600w, \/articles\/wp-content\/uploads\/infographics-annuity-01-129x300.png 129w, \/articles\/wp-content\/uploads\/infographics-annuity-01-21x50.png 21w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>The key to planning for your retirement through an annuity plan is to buy the plan that best suits your needs.<\/p>\n<p>It is advisable to start saving as early as possible during your working years to build enough funds to provide you with a worthwhile income when you retire.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial-goal-2-Child-education\"><\/span><b>Financial goal #2: Child education<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <a href=\"https:\/\/www.imoney.my\/articles\/is-the-cost-of-private-university-worth-it\" target=\"_blank\" rel=\"noopener noreferrer\">cost of higher education<\/a> is increasing each year. Parents may find this cost a strain on their finances. That is why it is important to start planning for your child&#8217;s education as early as possible. The earlier you begin, the more time you will have to allow your money to grow.<\/p>\n<p>The child education policy is a part of the life insurance product, but specially designed as a savings tool to provide an amount of money to pay for your child&#8217;s higher education expenses, when the time comes.<\/p>\n<p>The best option would be to opt for a payor benefit rider. The education policy will also provide assurance that, in the event of your untimely demise, the child will have access to the funds to help finance his or her studies.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-02.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16299\" title=\"insurance\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-02.png\" alt=\"insurance\" width=\"600\" height=\"868\" srcset=\"\/articles\/wp-content\/uploads\/infographics-annuity-02.png 600w, \/articles\/wp-content\/uploads\/infographics-annuity-02-207x300.png 207w, \/articles\/wp-content\/uploads\/infographics-annuity-02-34x50.png 34w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>When choosing a policy, always:<\/p>\n<p><b>1. Consider how much money you want to set aside for your child\u2019s education <\/b><\/p>\n<p>The first step in determining the amount of coverage you need for your child education plan is to have a goal in mind. The following are some of the factors you may need to consider in determining the level of coverage:<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-04.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-16300\" title=\"insurance annuity plan\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/infographics-annuity-04.png\" alt=\"insurance annuity plan\" width=\"540\" height=\"611\" srcset=\"\/articles\/wp-content\/uploads\/infographics-annuity-04.png 600w, \/articles\/wp-content\/uploads\/infographics-annuity-04-265x300.png 265w, \/articles\/wp-content\/uploads\/infographics-annuity-04-44x50.png 44w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/a><\/p>\n<p>Working through these factors will help you figure out the expected costs. Since the education costs will be incurred in the future, you need to factor in inflation. Once you have included inflation, you may end up with an amount you know you can\u2019t afford. However, by wisely putting your money to work, the returns can be accumulated over the years to help cover the costs.<\/p>\n<p><b>2. Ensure that the premium is affordable<\/b><\/p>\n<p>The policy you purchase depends on your objectives and your risk tolerance. Before you buy a policy, ensure that it is based on your needs and financial capacity.<\/p>\n<p><b>3. Do not pay for unnecessary coverage <\/b><\/p>\n<p>Education policies sometimes offer the ability to add insurance coverage like medical insurance or critical illness coverage. Be careful about adding too much insurance coverage as the costs will affect your savings.<\/p>\n<p>Invest in your child&#8217;s education, and that will go a long way in enabling them to have a bright future and be successful in whatever they venture into.<\/p>\n<p>Insurance policies come in a wide variety of coverage and boast many different features, benefits and prices. Make sure the policies that you purchase are adequate for your needs. Shop diligently, read the fine prints and talk to the agent to be certain that you understand the coverage, cost and terms and conditions.<\/p>\n<h3><strong>As money lies could be standing in the way of you making progress on your finances, the first step is to <a href=\"https:\/\/www.imoney.my\/articles\/get-real-with-your-money-by-busting-these-11-money-lies\" target=\"_blank\" rel=\"noopener noreferrer\">bust the barrier!<\/a><\/strong><\/h3>\n         <script\r\n\t\t  src=\"https:\/\/code.jquery.com\/jquery-3.4.1.js\" integrity=\"sha256-WpOohJOqMqqyKL9FccASB9O0KwACQJpFTUBLTYOVvVU=\" crossorigin=\"anonymous\">\r\n  \t\t<\/script>\r\n        <style type=\"text\/css\">\r\n        \t\t.moratorium{\r\n        \t\t\tmax-width: 800px;\r\n        \t\t\twidth: 100%;\r\n        \t\t\tmargin: 0 auto;\r\n        \t\t\tbackground: url(https:\/\/trello-attachments.s3.amazonaws.com\/5e96d6d18d0f3f386d1d2232\/800x180\/81d37468974ae6ce4916d13ae94b4e4a\/moratorium-new-01.png) no-repeat;\r\n        \t\t\tbackground-color: aliceblue;\r\n        \t\t\t    background-position-x: center;\r\n        \t\t}\r\n\r\n        \t\t.moratorium-title{\r\n        \t\t\ttext-align: left;\r\n        \t\t\tmargin-top: 10px; \r\n\r\n        \t\t}\r\n        \t\t.moratorium-title h2{\r\n        \t\t\tfont-family: Verdana, Geneva, sans-serif;\r\n        \t\t\tmargin-top: 10px;\r\n        \t\t\tcolor: #355FAB;\r\n        \t\t\tfont-weight: 400;\r\n        \t\t} \r\n                .container-calculator{\r\n                        padding: 30px;\r\n\t\t\t\t\t    text-align: left;\r\n\t\t\t\t\t    height: auto;\r\n\t\t\t\t\t    color: #000;\r\n\t\t\t\t\t    font-family: Verdana, Geneva, sans-serif;\r\n\t\t\t\t\t    font-size: 20px;\r\n\t\t\t\t\t    \r\n\t\t\t\t\t    \r\n\t\t\t\t\t    margin: auto;\r\n\t\t\t\t\t    \r\n\t\t\t\t\t    border-top-left-radius: 10px;\r\n    \t\t\t\t\tborder-top-right-radius: 10px;\r\n                }\r\n\r\n                .form-group-calculator{\r\n                \tmargin-bottom: 15px;\r\n                }\r\n\r\n                .question{\r\n                \tdisplay: inline-table;\r\n                \twidth: 54%;\r\n                \tvertical-align: middle;\r\n                }\r\n                .question p {\r\n                \tfont-weight: 300;\r\n                \tfont-size: 16px;\r\n                }\r\n\r\n                .answer{\r\n                \tdisplay: inline-table;\r\n                \twidth: 45%;\r\n                }\r\n\r\n                .answer h4{\r\n                \tbackground-color: #173b7d;\r\n                \tpadding: 15px;\r\n                }\r\n\r\n                .form-calculator{\r\n                    width: 24%;\r\n                    display: inline-block;\r\n                    height: 20px;\r\n\r\n                }\r\n\r\n                .btn-calculator{\r\n                    background-color: #F16657;\r\n\t\t\t\t    color: #fff;\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t    border: none;\r\n\t\t\t\t    color: white;\r\n\t\t\t\t    padding: 10px 32px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t    text-decoration: none;\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t    font-size: 16px;\r\n\t\t\t\t    border-radius: 5px;\r\n\t\t\t\t    margin-top: 20px;\r\n                }\r\n\r\n                .bmi{\r\n                    padding-top: 30px;\r\n\t\t\t\t    background: #2352a7 url(https:\/\/trello-attachments.s3.amazonaws.com\/5e96d6d18d0f3f386d1d2232\/608x608\/abd6fb39562be03e5bbed82735a38087\/bg-calc-01.png) no-repeat;\r\n\t\t\t\t    margin: auto;\r\n\t\t\t\t    text-align: left;\r\n\t\t\t\t    \/*background: #2352a7;*\/\r\n\t\t\t\t    padding: 30px;\r\n\t\t\t\t    background-size: 500px;\r\n\t\t\t\t    background-size: 90%;\r\n                }\r\n                .bmi h4{\r\n                \tfont-family: Verdana, Geneva, sans-serif;\r\n\t\t\t\t    color: #fff !important;\r\n                }\r\n\r\n                .result-head{\r\n                \tbackground-color: #cde1f3;\r\n    \t\t\t\tpadding: 8px;\r\n                }\r\n\r\n                .result-head h4{\r\n                \tmargin-top: 5px !important;\r\n                \tmargin-bottom: 5px;\r\n                }\r\n                .result-head p{\r\n                \tfont-size: 15px;\r\n                \tmargin-top: 5px;\r\n                \tmargin-bottom: 5px;\r\n                }\r\n\r\n                .result-color{\r\n                \tcolor: #f16557 !important;\r\n                }\r\n\r\n                .options p{\r\n                \tmargin-top: 5px;\r\n                \tmargin-bottom: 5px;\r\n                }\r\n                .options h3{\r\n                \tmargin-top: 5px !important;\r\n                \tmargin-bottom: 5px;\r\n                }\r\n\r\n                .qselect{\r\n                \tbackground-color: #205aaa;\r\n\t\t\t\t    box-shadow: 0px 5px 0px 0px #0e3161;\r\n\t\t\t\t    border-radius: 3px;\r\n\t\t\t\t    display: inline;\r\n\t\t\t\t    padding: 8px 15px;\r\n\t\t\t\t    margin-bottom: 12px;\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    \/* max-width: 55px; *\/\r\n\t\t\t\t    \r\n\t\t\t\t    font-family: \"open_sansregular\",\"Helvetica Neue\",Arial,sans-serif;\r\n\t\t\t\t    font-size: 16px;\r\n\t\t\t\t    color: #FFF;\r\n\t\t\t\t    font-weight: 400;\r\n\t\t\t\t    cursor: pointer;\r\n\t\t\t\t    transition: background-color 0.05s linear,color 0.05s linear;\r\n\t\t\t\t    margin-right: 10px;\r\n                }\r\n\r\n                .qselect:active {\r\n\t\t\t\t\tbackground-color: #0e3161;\r\n\t\t\t\t}\r\n\r\n                input[type=\"radio\"]:checked + label.qselect {\r\n\t\t\t\t   background-color: #0e3161;\r\n\t\t\t\t   top: 5px;\r\n\t\t\t\t}\r\n\r\n\t\t\t\tinput[type=\"radio\"] {\r\n\t\t\t\t    display: none;\r\n\t\t\t\t}\r\n\r\n\t\t\t\tinput[type=\"text\"] {\r\n\t\t\t\t    display: none;\r\n\t\t\t\t}\r\n\r\n\t\t\t\t.field{\r\n\t\t\t\t\tborder: solid #193D5A 2px;\r\n\t\t\t\t    border-radius: 5px;\r\n\t\t\t\t    color: #407691;\r\n\t\t\t\t    font-size: 20px;\r\n\t\t\t\t    max-height: 36px;\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t    text-align: left;\r\n\t\t\t\t    padding: 6px;\r\n\t\t\t\t    width: 90%;\r\n\t\t\t\t}\r\n\r\n\t\t\t\t.dropdown{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t    width: 241px;\r\n\t\t\t\t    height: 44px;\r\n\t\t\t\t    padding: 6px 12px;\r\n\t\t\t\t    font-size: 16px;\r\n\t\t\t\t    line-height: 1.428571429;\r\n\t\t\t\t    color: #fff;\r\n\t\t\t\t    background-color: #205aaa;\r\n\t\t\t\t    background-image: none;\r\n\t\t\t\t    border: none;\r\n\t\t\t\t    border-radius: 6px;\r\n\t\t\t\t    margin: auto;\r\n\r\n\t\t\t\t}\r\n\r\n\t\t\t\t@media (max-width: 400px) {\r\n\r\n\t\t\t\t\t.question{\r\n\t                \tdisplay: inline;\r\n\t                \twidth: 100%;\r\n\t                }\r\n\r\n\t                .answer{\r\n\t                \tdisplay: inline;\r\n\t                \twidth: 100%;\r\n\t                }\r\n\t\t\t\t}\r\n\r\n\r\n\r\n            \r\n        <\/style>\r\n        \t<div class=\"moratorium\">\r\n\r\n                <div class=\"container-calculator\" >\r\n                    <div>\r\n                    \t<div class=\"moratorium-title\">\r\n                    \t\t<h2><span class=\"ez-toc-section\" id=\"Hire-Purchase-Moratorium-Calculator\"><\/span>Hire Purchase <br><span><b>Moratorium Calculator<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n                    \t<\/div>\r\n                        \r\n                        <div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                        \t<div class=\"question\"> <p>How much did you initially borrow?<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" placeholder=\"RM\" name=\"loan\" id=\"loan\"><\/div>\r\n\t                            \r\n\t                        <\/div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                            <div class=\"question\"><p>What was your initial loan period (Years)?<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" name=\"tenure\" id=\"tenure\"><\/div>\r\n\t                        <\/div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                            <div class=\"question\"><p>How many payments have you already made? (months)<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" name=\"paid\" id=\"paid\"><\/div>\r\n\t                        <\/div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                            <div class=\"question\"><p>How much was your intial interest rate? (%)<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" name=\"rate-fixed\" id=\"rate-fixed\"><\/div>\r\n\t                        <\/div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                            <div class=\"question\"><p>How much is your effective Rate?<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" name=\"rate-effective\" id=\"rate-effective\"><\/div>\r\n\t                        <\/div>\r\n\t                        <div class=\"form-group-calculator\">\r\n\t                            <div class=\"question\"><p>How long is the moratorium? (months)<\/p><\/div>\r\n\t                            <div class=\"answer\"> <input class=\"field\" type=\"number\" name=\"moratorium\" id=\"moratorium\"><\/div>\r\n\t                        <\/div>\r\n\t                        <input class=\"btn-calculator\" type=\"submit\" value=\"Calculate\" onclick=\"computeUmrah();\">\r\n\t                    <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n\r\n                    <div class=\"bmi\" id=\"bmi\">\r\n                    \t <div class=\"question\"><h4 style=\"color: #fff;\">Total interest amount (before moratorium) <\/h4><\/div>\r\n                    \t <div class=\"answer\"><h4>RM <span id=\"rate_before\"><\/span><\/h4><\/div>\r\n                    \t<\/br>\r\n                    \t <div class=\"question\"><h4 style=\"color: #fff;\">Current monthly repayment<\/h4><\/div>\r\n                    \t <div class=\"answer\"><h4>RM<span id=\"current_repayment\"><\/span><\/h4><\/div>\r\n                    \t<\/br>\r\n                    \t <div class=\"question\"><h4 style=\"color: #fff;\">Additional interest post-moratorium<\/h4><\/div>\r\n                    \t <div class=\"answer\"><h4>RM<span id=\"moratorium_charges\"><\/span><\/h4><\/div>\r\n                    \t<\/br>\r\n\r\n                    <\/div>\r\n\r\n                    <div class=\"container-calculator options\">\r\n                    \t\r\n                    \t<div class=\"result-head\">\r\n                    \t\t<h4><i>Option 1<\/i><\/h4>\r\n\t                    \t<p>Do nothing, continue to pay as normal<\/p>\r\n                    \t<\/div>\r\n                    \t<p>Monthly Repayment<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"current_repayment_new\"><\/span><\/h3><\/br>\r\n                    \t<p>Total interest paid over loan tenure<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"rate_before_new\"><\/span><\/h3><\/br>\r\n                    \t<p>End date for loan<\/p>\r\n                    \t<h3 class=\"result-color\">No Change<\/h3>\r\n                    <\/div>\r\n\r\n                    <div class=\"container-calculator options\">\r\n                    \t<div class=\"result-head\">\r\n\t                    \t<h4>Option 2 <\/h4>\r\n\t                    \t<p>Take up 6 months loan moratorium, and extend loan tenure by 6 months<\/p>\r\n\t                    \t\r\n\t                    <\/div>\r\n\t                    <p>New Monthly Repayment<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"new_repayment\"><\/span><\/h3><\/br>\r\n                    \t<p>Total interest paid over loan tenure<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"total_interest\"><\/span><\/h3><\/br>\r\n                    \t<p>Estimated end date of loan<\/p>\r\n                    \t<!-- <h3 class=\"result-color\">Deferred by 6 months<\/h3> -->\r\n                    \t<h3 class=\"result-color\"><span id=\"date_moratorium\"><\/span><\/h3>\r\n                    <\/div>\r\n\r\n                    <div class=\"container-calculator options\">\r\n                    \t\r\n                    \t<div class=\"result-head\">\r\n                    \t\t<h4>Option 3 <\/h4>\r\n                    \t\t<p>Take up 6 months loan moratorium, pay lump sum in Month 7 (including month 7's installment)<\/p>\r\n\r\n\t\t\t\t\t\t<\/div>\r\n                    \t<p>Lump Sum payment in Month 7<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"lumpsum\"><\/span><\/h3><\/br>\r\n                    \t<p>Monthly Repayment thereafter<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"current_repayment_new2\"><\/span><\/h3><\/br>\r\n                    \t<p>Total interest paid over loan tenure<\/p>\r\n                    \t<h3 class=\"result-color\">RM<span id=\"rate_before_new2\"><\/span><\/h3><\/br>\r\n                    \t<p>End date for loan<\/p>\r\n                    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