DEMAX Lifebiz

06/05/2026

✨ De' March Top Producers ✨

Congratulations to Lee Jie Chang for being our top producer for the month of March 2026!👏

Great effort and good job to you! 👍🏻

30/04/2026

Happy Labour Day to all the hardworking souls out there! 🎉

Today, we celebrate your dedication, resilience, and the countless contributions you make to our world every single day. 💪

Take this moment to rest, recharge, and appreciate how far you’ve come — you’ve truly earned it.

29/04/2026

Chapter 8: What is a Guardian?
If you were no longer here, who would be there to embrace your child?

For parents with minor children (under 21), the most critical part of writing a Will isn't actually about distributing money—it's about appointing a Guardian. Since children are products of their environment, where they grow up directly shapes their future. Therefore, choosing a guardian is a decision that cannot be taken lightly!

How Guardianship Works
Primary Guardian: Generally, in a Will, the surviving spouse is named as the primary guardian.

Substitute Guardian: If both parents pass away, the substitute guardian appointed in the Will takes over the responsibility of caring for the children.

What Happens Without a Will?
If you do not write a Will to specify a guardian and both parents pass away unexpectedly, the court will decide who gets custody of your children. This could lead to:

Relatives you might not prefer being granted custody.

The Social Welfare Department intervening to take care of your children.

The Rights of a Guardian
A guardian holds rights similar to those of a parent. They are responsible for the child’s basic needs—food, clothing, shelter, and transportation—as well as making critical decisions regarding education and healthcare until the child reaches the age of 21.

Advice for Parents:
This is a heavy decision. Please make sure to communicate with your chosen guardian beforehand and obtain their consent.

"The best kind of love is an arrangement that never expires."

Demax Wealth Studio

第八篇：什么是监护人？

如果你不在了，谁来替你拥抱孩子？👶

对于有未成年孩子（21岁以下）的父母来说，立遗嘱最重要的不是分钱，而是委任监护人 (Guardian)。所谓人是环境的产物，在不同的环境成长也间接的影响了孩子的未来。所以委任监护人的决定一点都不能马虎哦!

📝 一般上在遗嘱里，另一半将会是首要监护人。如果父母都不在了，遗嘱里委任的候补监护人将担任照顾孩子的职责。

❓ 如果不立遗嘱并指定监护人： 万一父母双亡，孩子的抚养权将由法庭决定。到时候，可能是你不想见到的亲戚，甚至是福利局介入照顾你的孩子。

🛡️ 监护人的权利： 监护人拥有犹如父母般的权利，负责孩子的衣食住行、教育和医疗决定，直到孩子满21岁。

❤️ 给父母的建议： 这是一个沉重的决定，请务必事先和你选定的监护人沟通，取得他们的同意。

-最好的爱，是永不过期的安排-
Demax Wealth Studio
#遗嘱 #攻略 #传承 #遗嘱更新 #监护人 #单亲妈妈 #孩子教育 #孩子

23/04/2026

Part 7: What is an Executor?
The CEO of your Will: Who is your "Executor"?

When writing a Will, everyone focuses on "who gets the money," but often forgets "who is responsible for distributing it." An Executor is the "Grand Butler" who manages your entire estate after you pass away.

The responsibilities are heavy:

Locating the Will: Taking your Will to court to apply for the legal document known as the Grant of Probate.

Gathering Assets: Unfreezing your bank accounts and collecting all assets, including real estate and other personal property.

Settling Debts: Clearing your outstanding income tax, credit card debts, mortgages, etc., first.

Distributing the Inheritance: Finally, distributing the remaining balance to your beneficiaries.

Selection Criteria: You don’t necessarily have to choose your closest relative. You must choose someone trustworthy, capable of handling tedious paperwork, and ideally younger than you. Completing the entire process can take anywhere from several months to over a year. If you are worried your family won't be able to handle it, you can also appoint a Trust Company as your Executor.

The best kind of love is an arrangement that never expires.

Demax Wealth Studio

第七篇：什么是遗嘱执行人？

遗嘱里的 CEO：谁是你的“执行人” (Executor)？👔

立遗嘱时，大家都在想“给谁钱”，却忽略了“谁来负责分钱”。 遗嘱执行人，就是你离世后，帮你掌管整个遗产的大管家。

他的任务很重：

寻找遗嘱： 拿着你的遗嘱去法庭申请法律文件(Grant of Probate)。

收集资产： 解冻你的银行户口，收集你的所有资产包括房产以及其它动产。

还债务： 先还清你的所得税、信用卡债、房贷等。

分遗产： 最后才把剩下的分给受益人。

🔎 选人标准： 不一定要选最亲的人，但一定要选最值得信任、有能力处理繁琐文件、且比你年轻的人。毕竟完成以上所有程序需要数月至一年的时间。如果怕家人处理不来，也可以委任信托公司（Trust Company）作为执行人。

-最好的爱，是永不过期的安排-
Demax Wealth Studio
#遗嘱 #攻略 #传承 #遗嘱更新 #财务规划

22/04/2026

Energizing the morning amidst the beauty of nature with a hike at Bukit Gasing! 🏞🌞👟

15/04/2026

✨ De' Superstar February 2026 ✨

Congratulations to Christina Lim for achieving the highest number of cases in the month of February 2026! 🌟

Well done Tina, together we strive for the best! 👏

13/04/2026

💫February 2026 General Insurance MVP💫

Congratulations to Lim Yen Lee for achieving the highest number of General Insurance cases in the month of February 2026!

Great job, Christina! 👏🏻

10/04/2026

Part 6: Foreigners and Malaysian Assets

As many expatriates purchase property in Malaysia (such as MM2H participants), it is common for foreigners to own local assets. So, how should these assets be effectively managed?

1. Real Estate (Houses/Land) Follows "Lex Situs"
Real estate is governed by the laws of the place where the property is located. While a foreign will may theoretically be recognized, an executor must take that foreign will to a Malaysian court to apply for Resealing if they wish to deal with Malaysian immovable property. In practice, relying on a foreign will is time-consuming, expensive, and involves complex procedures.

Resealing: The legal process of making a foreign grant of probate recognized and enforceable under Malaysian law.

2. The Best Solution
If a foreigner owns assets in Malaysia (especially real estate), it is strongly recommended to draft a separate Malaysian Will specifically to handle Malaysian assets.

Direct Access: The Malaysian executor can apply directly to the local court for a Grant of Probate.

Efficiency: This unlocks assets quickly without waiting for foreign probate proceedings to conclude.

Independence: It ensures local matters do not complicate or delay the administration of the estate abroad.

"The best form of love is an arrangement that never expires."

Demax Wealth Studio

第六篇：外籍人士与马来西亚资产

随着很多外籍人士在马来西亚置业（例如 MM2H 参与者），外籍人士拥有马来西亚资产是一个常见的现象。那他们的资产该如何有效安排呢?

🏠 不动产（房子/土地）遵循“所在地法” (Lex Situs)
虽然国外的遗嘱在理论上可能被承认。但是如果要处理马来西亚的不动产，执行人必须拿着国外遗嘱去马来西亚法庭申请重封(Resealing)。但在实际操作中，外国遗嘱比较耗时，费用高以及程序复杂。

⚠️重封: 让外国遗嘱能够受马来西亚法律承认。

💡 最佳方案： 如果外籍人士在马来西亚拥有资产（尤其是房产），强烈建议在马来西亚单独订立一份遗嘱，专门处理马来西亚的资产。

这样，马来西亚的执行人可以直接向本地法庭申请遗嘱认证书（Grant of Probate），快速解锁资产，不影响国外的遗产处理。

-最好的爱，是永不过期的安排-
Demax Wealth Studio
#遗嘱 #攻略 #传承 #外籍人士 #财务规划 #马来西亚房产

06/04/2026

Build your wealth today and get rewarded along the way! 💰​
With A-Life Rewards, you start strong and stay ahead with: ​

✔️Hassle-Free Onboarding​
✔️100% Premium Allocation ​
✔️Unique-In-Market Dividend Fund ​
✔️Loyalty and Wellness Bonus​

And for a limited time only, enjoy up to 8.88% additional premium allocation with the Rewards Up Campaign! 🌟 Start now! ​​​​
PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THESE PRODUCTS ARE SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact AIA Bhd. / AIA PUBLIC Takaful Bhd. or PIDM (visit www.pidm.gov.my).​

04/04/2026

💫De' February Top Producers💫

Congratulations to .yenlee for being our top producers for the month of February 2026!
Great effort and good job to you! 👍🏻

31/03/2026

Section 5: The Basic Structure of a Will

Don’t believe 100% of what you see in the movies; a Will is actually just a "final instruction manual for your family."

A standard Malaysian Will typically contains the following core elements:

Revocation Clause: A statement declaring all previous Wills null and void, establishing this current document as the definitive version.

Appointment of Executor: Choosing a "helper" to locate all assets, manage court procedures, settle debts, and distribute the remaining funds.

Appointment of Guardian: If your children are under 21, who will step in to take care of them?

Distribution of Assets: Who gets the house? Who gets the bank savings? Who gets the stocks?

Residuary Clause: This acts as a "safety net" to prevent any overlooked assets (e.g., a car bought in the future) from being left out. Everything not specifically mentioned is handled under this clause.

Summary in one sentence: A Will is about clearly stating your intentions for the right people.

"The best kind of love is an arrangement that never expires."

Demax Wealth Studio

第五篇：遗嘱的基本架构

别100%相信电影里的情节，遗嘱其实就是一份“给家人的最后说明书”。

一份标准的马来西亚遗嘱，通常包含以下核心内容：

撤销条款 (Revocation)： 声明在过去写的遗嘱全部作废，以这份为准。

委任执行人 (Executor)： 选一个帮手让他找出所有财产，去法庭办手续，还债和分钱的人。

委任监护人 (Guardian)： 如果孩子未满21岁，谁来照顾他们？

资产分配 (Distribution)： 房子给谁？银行存款给谁？股票给谁？

剩余财产条款 (Residuary Clause)： 【⚠️⚠️⚠️】 防止有漏掉没写的资产（例如: 未来才买的车），统统归入这一条处理。

🔑 一句话总结： 遗嘱就是把你的想法，清楚说明留给对的人。

-最好的爱，是永不过期的安排-
Demax Wealth Studio
#遗嘱 #攻略 #传承 #遗嘱架构 #财务规划