As we navigate through life, one of the most critical aspects of financial planning is preparing for the later years. A fact of life is that one day, we may need long term care. For Malaysians, the time to act is now. Whether it’s ensuring financial independence or safeguarding against unforeseen accidents and debilitating illnesses that could impact your daily life, having the right protection in place is no longer a luxury—it’s a necessity. Malaysia’s aging population is