Last updated: October 2026
FELB (felb.my) publishes plain-language guides and calculators about insurance, Takaful, EPF, PRS, personal finance, small business finance and the use of AI tools in business. Please read this disclaimer before you rely on anything on this website.
Information only, not advice
Everything on this website is general information for education. It is not financial, investment, insurance, tax, legal or accounting advice, and it does not take your personal situation into account. Reading this website or using a calculator does not create an adviser and client relationship between you and FELB.
Before you buy or cancel a policy, invest, change your retirement savings or make a business decision, please speak to a suitably licensed professional. For insurance and Takaful, that means an agent or adviser registered with Bank Negara Malaysia. For investments and unit trusts, that means a person licensed by the Securities Commission Malaysia. For tax, please speak to a licensed tax agent or the Inland Revenue Board (LHDN).
We do not sell insurance, Takaful or investments
FELB is not an insurer, Takaful operator, bank, licensed financial adviser or fund manager. We do not sell or arrange financial products, and we do not receive your money.
Accuracy and changing figures
We try to keep our content correct, but rules and numbers in this area change often. This includes EPF contribution and dividend rates, PRS tax relief limits, tax rates, regulations and product terms. Where a figure may change, our articles say so. Please check the current figure with the official source, for example EPF, LHDN, the Securities Commission Malaysia or Bank Negara Malaysia, before you act. If you find an error, please tell us through our contact page.
Calculators
Our calculators give simple estimates based on the numbers you type in and the assumptions we describe on the page. The results are not a recommendation, a quotation or a guarantee. Real needs depend on things a calculator cannot see. The calculation runs in your browser, and we do not store what you enter.
How our content is made
Some articles are drafted with the help of AI tools. They are edited and checked by the site owner before they are published. AI tools can make mistakes, so please treat the content as a starting point and confirm important details with the official source.
Advertising and affiliate links
This website may show advertisements, for example through Google AdSense. Some pages may include affiliate links to tools or services. If you buy through an affiliate link, we may earn a commission at no extra cost to you. Where a page contains affiliate links, we say so on that page. Advertisements and affiliate links do not mean we endorse a product, and they do not change what we write.
Links to other websites
We link to other websites, including official sources. We do not control those websites and are not responsible for their content or their privacy practices.
Limitation of liability
To the fullest extent allowed by law, FELB and its owner are not responsible for any loss or damage that results from using this website, relying on its content or calculators, or following a link from it. You use the website at your own risk.
Privacy and contact
How we handle information about visitors is explained in our Privacy Policy. If you have questions about this disclaimer, please use our contact page.