To me an Insurance product I think all Malaysians should have is Medical Card especially one that covers for Covid 19.  Statistics wise many are unprepared for huge medical costs and end up forking out thousands or even more as a result of this.

Customers usually are more concern on costs of Insurance rather then the importance of it. To me I provide them with a Comprehensive and Holistic View and how to mitigate their risk. Each type of Insurance Solution serves its own need and purpose.

I specialize mainly on Medical Card, Fire Insurance and Vehicle Insurance which is solutions that almost everyone needs.

Customers need to understand why they are buying and also what’s the purpose of having a specific insurance solution rather then to be concern on Cost of the Insurance. As we all know Inflation is rising and everyone should protect themselves as soon as they can rather then waiting for something to happen then only considering buying Insurance.

Life is in different Life Stages. Every stage of life is the foundation for the next stage of life. Be it the person is single, just married, young family, established family or happily retired. When a single young person, may only need medical card and critical illness coverage, if he has his own family, he may considered to top up his life coverage. Also, education and retirement is his concern too.
So, it depends on the customer’s current situation and tailored made a plan which best suit the clients’ budget.

People normally will ask me to extend the coverage up to age 70 or 80. As both of the plan may have different premium as the point of buying. However, the life expectancy for Malaysia in 2021 was 76.36 years. I would suggest to cover until age 80. But that also, depending on the budget. Normally, the budget that should be of 10 – 15% of your income to allocate to buy insurance. That’s a fair amount to consider.

Yes I do. I specialize in income protection, retirement and education planning
solutions.

I would use my Presentation slides and videos to share the concept of insurance. For faceto face meet up, a copy of the materials will be sent over for safekeep. However, it’s not easy for customers to understand by one meet-up. A timely follow-up and yearly review will be carried out for my customers. I also have facebook page, IG, LinkedIn and TikTok account to share educational content to bring up the awareness of financial planning.

Definitely medical, as the cost of medical expenses is expensive and going up every year. Other types of policy will come after medical. Better still, to get medical + death benefit

Most of my clients will ask me on their budget for the reason to choose the policy they wanted. However, as a professional advisor, I will do a fact finding on their income and expenses (net worth value) lifestyle and expectations in the future. Then I will recommend the best plan for them. Not straight away propose a plan that just suits their budget.

I don’t consider myself a specialist in a certain type of insurance. I would do whatever kind of insurance the client request. However, in general insurance I might need assistance from my immediate manager.

I would use presentation media such as slides and videos and also draft drawings and calculation tables to assist them to understand the proposals that I am recommending or the concept of insurance and takaful. At the same time a good conversation to understand their needs as much as possible.

Malaysians should have medical insurance especially “Medical Card” to cover their medical bills in hospitals.

How much does a “Medical Card” cost? It depends on your age, plan that you acquire (Standalone Medical Card or Comprehensive Plan)

I do. I specialise in medical insurances including employees’ medical coverage.

I would use presentation slides during Zoom meeting or request face-to-face meeting if customers would like to adjust insurance coverage based on needs.