Top Insurance Agents In Selangor 2022

I think the most important product that Malaysian should have is medical insurance. Especially when we, Malaysian are still fighting with the Covid-19  pandemic. With medical insurance coverage, we can have a peace of mind because we know are well covered to get a best doctor/ treatment without worrying about medical cost anymore when we are sick.

In the Covid-19 Pandemic, the most frequent question that my clients ask me about is does my medical insurance covers for COVID-19 treatment? I am assured to my clients that their AIA medical insurance provides coverage for hospitalization due to COVID-19. ( AIA medical plans Do not have clause that excludes coverage for communicable disease that requires quarantine by law.)

I am specialized in helping my client to get a most suitable insurance plan according to his need and concern. (I will do a financial health check with client to know his insurance need, area of concern and budget to recommend a suitable insurance plan)

I  will always share an insurance concept to my customer to make it easy to understand and remember about the insurance ideas. Years passed,  my customers are still remember very well the insurance concept I used to shared with them.

Yes I do. I specialise in critical illness & retirement insurance solutions

In my opinion, all Malaysians should have sufficient life & disability coverage that match their needs. I know most would disagree, and say medical or accident plans are important, but the fact of the matter is, that in our country, there is still a reliable government healthcare system to fall back on if you’re sick or injured. There is literally nothing, aside from trivial state handouts and a little donation from friends & relatives which a grieving widow and would-be orphans can count on for financial reassurance, when the family breadwinner passes away abruptly. Life insurance plays such an important role in maintaining a family’s home as well as the children’s education and future well-being.

I most frequently get questioned on how much insurance to buy, and how much they should spend as a percentage of their monthly income. Truth be told, there is no perfect one-size-fits all solution or a simple rule of thumb (e.g. x10 your annual income) to follow. Insurance needs & amounts differ from one customer to another, as there are a lot of varying factors to consider such as financial commitments, amount of dependents, current career outlook, child education needs and so forth. Thus I would really recommend you to sit down with an experienced & dedicated agent to do the necessary fact finding to properly determine the most suitable coverage amount and comfortable premium commitments to be made.

Currently, I have been doing a lot of corporate insurance, and as such have become very familiar with the employee benefit packages offered in the market. But on an individual customer level, I don’t specialize in a specific product, but rather in types of applications. With my prior background in underwriting and claims, I enjoy the challenge of working with customers who have difficulty obtaining favorable terms for their insurance coverage, mainly due to illness and poor health issues. I feel this segment of the market is quite neglected and could definitely use more representation, hence why I tend to take on “problem” customers, while other agents might not.

As a practitioner, we have many tools at our disposal to aid with this. From summarized picturesque versions of the product coverage, to fancy powerpoint slides and videos, I use it all when necessary. However my personal favorite would still be storytelling and sharing real life experiences to customers on actual events. Sometimes, the best stories are the ones with you in it!