Terms & Conditions

Last updated: 15 October 2026

1. Acceptance of These Terms

These Terms & Conditions govern your use of Senior Savings (https://seniorsavingsalliance.com), operated by Zeneration Agency (Andrew Liao Agency), SSM 200603150900 ("we", "us" or "our"). By accessing or using the site, you agree to be bound by these terms. If you do not agree, please do not use the site.

2. About Senior Savings

Senior Savings is an advertorial website that publishes general information about life and health protection for Malaysian residents. The site does not sell or underwrite insurance and does not process applications. Buttons and links on the site take you to the life insurance page of Zeneration Agency, an agency representing Prudential Assurance Malaysia Berhad, where you can request a quote.

3. No Financial or Medical Advice

All content on this website is general in nature and is provided for information only. It does not take into account your objectives, financial situation or needs and does not constitute financial, insurance, legal, tax or medical advice. Before buying any insurance product, you should read the product disclosure sheet and policy contract and consider whether the product is right for you.

4. Eligibility and Product Information

Descriptions of cover, benefits and age limits on this site are summaries only. Whether you are eligible for a plan, the level of cover offered and the premium you pay are decided by the insurer and depend on underwriting and on your personal circumstances. Product features may change without notice; the policy contract always prevails.

5. Use of the Website

You must be at least 18 years old to use this website. You agree to use the site only for lawful purposes and not to:

attempt to gain unauthorised access to the site, its servers or any connected systems;

introduce viruses, malicious code or other harmful material;

copy, scrape or republish the content of the site for commercial purposes without our written consent;

use the site in any way that could damage our reputation or that of our partners.

6. Third-Party Websites

The site contains links to websites operated by third parties, including zeneration.com.my. These links are provided for your convenience. We have no control over the content, products or privacy practices of those websites and accept no responsibility for them. Your dealings with any third party are solely between you and that party.

7. Advertising Disclosure

Senior Savings is a marketing website. It is operated to generate enquiries for the life insurance services of Zeneration Agency, and the content is written with that purpose in mind.

8. Intellectual Property

The text, design, logo, icons and other materials on this site are protected by copyright and other intellectual property rights and belong to us or our licensors. Photographs are sourced from the Unsplash image library and used under the Unsplash licence. You may view and print pages for personal, non-commercial use only.

9. Accuracy of Information

We take reasonable care to keep the content of this website accurate and up to date. However, we make no warranty that the information is complete, current or error-free, and we may change it at any time without notice.

10. Limitation of Liability

To the maximum extent permitted by Malaysian law, we shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, this website or any linked website. Nothing in these terms excludes liability that cannot be excluded under applicable law, including the Consumer Protection Act 1999.

11. Changes to These Terms

We may revise these Terms & Conditions at any time by updating this page. Your continued use of the site after a change is published means you accept the updated terms.

12. Governing Law

These terms are governed by the laws of Malaysia. Any dispute arising from or relating to them shall be subject to the exclusive jurisdiction of the courts of Malaysia.

13. Contact Us

If you have any questions about these Terms & Conditions, please write to us: