Smart protection plans
We start from the risk — death, hospital, diagnosis, accident, a key person, a vehicle — and only then look at products.
Kuala Lumpur · Malaysia
Raven A. Levine advises on life, medical and critical illness cover.
The practice is Raven Levine, at Pavilion Bukit Jalil. The first meeting is about who depends on the income, what is already in force, and which contract would pay. Nothing is bought on this page.
WhatsApp +6011-1204-0534 · Pavilion Bukit Jalil, Kuala Lumpur
Insurance solutions
Life, medical, critical illness, group benefits, and general lines. One conversation can cover more than one insurer.
Financial security
Nominations, trusts, and wills are part of the same plan as the sum assured. A payout with no instructions is unfinished.
Life insurance in Malaysia
Protect what matters most.
Life insurance helps your loved ones stay financially secure if something unexpected happens to you. It can cover daily living, outstanding debts, and future needs such as education.
Life is full of uncertainties, but your finances don’t have to be. With the right protection in place, you can face the future knowing the family and the goals are not left to chance.
Read the life guideProtection that matters the most
Life, medical, and critical illness cover, read as three different jobs — not one product with three names.
- 01Critical IllnessA lump-sum cash payout if you are diagnosed with a covered serious condition, so treatment is not the only bill you have to solve.
- 02Life InsuranceA sum paid if you die — and, on many plans, if you suffer total and permanent disability — so daily life, debts, and a child’s education are not left unfunded.
- 03Medical InsuranceA medical card for hospital bills: room and board, surgery, and eligible treatment, cashless at panel hospitals when the admission is approved.
Income, accidents, and later life
Personal accident, Private Retirement Scheme, and savings-type plans. Each one answers a different question.
- 04AccidentPersonal accident cover pays for accidental death, permanent disablement, and sometimes accident medical expenses. Illness is a different policy.
- 05PRSPrivate Retirement Scheme accounts are a voluntary way to save for later life, separate from EPF. Contributions may qualify for tax relief under the rules for that year.
- 06SavingsSavings-type and endowment-style plans combine a protection element with a savings or investment element. The illustration is a picture, not a guarantee, unless the contract says so.
Employee, business and vehicle coverage
Employee benefits, key person insurance, and motor cover for the risks that sit on a business, not only on a household.
- 07Employee BenefitsGroup medical, group term life, and group personal accident for staff — a practical way for a Malaysian employer to hire, keep people, and handle claims without inventing a benefits department.
- 08Keyman InsuranceCover on the person the business cannot easily replace. The company is usually the owner and the beneficiary. The purpose is continuity of cash, not a personal windfall.
- 09Motor InsuranceCover for accidents, theft, fire, and legal liability on a car or motorcycle — and a clear line between that policy and road tax.
Smart estate planning for future generations
Insurance trusts, declarations of trust, and wills — so the money has a path, not only a sum assured.
- 10Insurance TrustA way for insurance money to be held and paid for beneficiaries — especially children — instead of arriving as a single uncontrolled sum.
- 11Declaration TrustA written statement of who truly benefits when the legal owner of a policy is holding it for someone else.
- 12WillsA will or wasiat says who manages your estate and how it should be distributed. Insurance nominations sit beside it. They should be written so they do not contradict each other.
Easy solutions
Ask Raven Levine.
Professional guidance on life, medical, and critical illness — and on the business cover that does not belong in a personal plan. WhatsApp today at +6011-1204-0534.
Questions people ask first
- Who is Raven A. Levine?
- Raven A. Levine is an insurance adviser at Pavilion Bukit Jalil in Kuala Lumpur. The work covers life insurance, medical cards, critical illness, personal accident, employee benefits, key person cover, and motor insurance for people and businesses in Malaysia. The WhatsApp number is +6011-1204-0534.
- What is the difference between a medical card and critical illness cover?
- A medical card pays the hospital, usually up to an annual limit, for treatment that the contract allows. Critical illness cover pays you a lump sum if a diagnosis matches the policy definition. One does not replace the other.
- Where is Raven Levine based?
- Raven Levine meets from Pavilion Bukit Jalil, No. 2, Persiaran Jalil 8, Bandar Bukit Jalil, 57000 Kuala Lumpur, Malaysia. Clients elsewhere in Malaysia are seen by appointment or on WhatsApp.
- Can I buy a policy on this website?
- No. This website does not sell a policy and does not show a price. A conversation can lead to a quotation from an insurer. The insurer’s contract, not this page, decides what is covered.