Mr. A is the owner of a new start-up high technology firm with several employees. Due to the nature of his manufacturing business, Mr. A would like to provide group disability-income insurance. As a financial planner, please shop for two group disability-income insurance from two insurance companies (from Malaysia or China), compare the advantages and disadvantages of each plan (supported with relevant evidence), conduct a costs and benefits analysis and give suggestion(s) to Mr. A. (Note: if necessary, you can make some assumptions for information not provided in this question).

Suggested answering format:

Advantages Disadvantages Insurance company A 1. 1. 2. 2. 3. 3. 4. 4. Insurance company B 1. 1. 2. 2. 3. 3. 4