Growing up, my family faced financial challenges. In the early morning hours, my older brothers and I would help our parents tap rubber in the plantation before sunrise. The rising temperature would cause the latex to solidify quickly, making the window for collecting it very short. During the rainy season, work would halt entirely, leaving us without income.

Determined to break free from financial instability and support our family, my eldest brother took a bold step. He transitioned from the rubber plantation to the insurance industry, leading our family toward a more secure future. Through his leadership, our family earned recognition in the Malaysia Book of Records as the insurance group with the most family members and the most Million Dollar Round Table (MDRT) qualifiers.

I remember as early as third grade, I was already helping my brother promote insurance to my school principal. Born in 1979 in Yong Peng, I was the youngest of six brothers. Surrounded by their influence, I made the decision to join the insurance industry at the age of 20 while studying at UTM (Universiti Teknologi Malaysia). Today, I have dedicated 25 years to this profession.

Insurance is not just about numbers—it’s about protecting happiness and security. When unexpected events occur, having sufficient coverage can make all the difference. With the right insurance, a person may experience emotional distress, but without it, they and their loved ones may suffer both financially and emotionally.

I prioritize building strong relationships with my clients. My approach includes:

• Connecting through conversations and interactions
• Maintaining relationships with thoughtful check-ins and gestures
• Strengthening trust through top-quality service

By providing timely insurance insights, regularly reviewing client needs, and designing customized risk management plans, I ensure that my clients receive the best possible coverage. Additionally, I extend complimentary insurance-related services to their family and friends.

As a Lifetime MDRT member, I am committed to reaching Top of the Table (TOT) and Court of the Table (COT) levels to further enhance the trust my clients place in me.

Instead of just calling myself a risk planning expert, I focus on providing personalized services that cater to clients’ risk tolerance and offer comprehensive wealth and risk management solutions. My goal is to help clients meet their family responsibilities and personal objectives, especially for high-net-worth individuals, ensuring their financial stability in an ever-changing environment.

I ensure my insurance plans deliver six key values—scene value, functional value, and emotional value—so that in times of crisis, my clients and their families are supported in all aspects: financial, social, and emotional.

Many clients have misconceptions about health insurance, especially since they don’t experience immediate satisfaction from their policies. Two common myths I often encounter are:

• Myth 1: “Health insurance is just a basic medical card; once I have a basic one, I don’t need to upgrade.”
  Explanation: Clients may not see immediate returns on their insurance premiums, but insurance complements investment strategies. Just like a car accelerates from 0 to 100, insurance works to slow things down in the event of a health crisis. Both are essential for complete financial planning.

• Myth 2: “I’ve been healthy for years, I never visit the doctor, so I don’t need health insurance.”
  Explanation: Relying on past health to predict future needs is dangerous. Just like the Titanic sank despite its reputation, unexpected medical emergencies can strike at any time.

One of the biggest mistakes is underestimating the importance of adequate coverage. Many clients opt for basic coverage, believing it’s enough. However, when faced with a serious medical need, they realize the coverage is insufficient.

• The “Low Coverage” Mistake: Some clients choose the minimum required coverage without considering their actual needs. I recommend regular policy reviews to ensure their coverage is adequate.
• The “Overconfidence” Mistake: Many rely on their employer’s group health insurance, assuming it’s enough. However, when they leave the company or their coverage expires, they find themselves unprotected. It’s essential to have personal health insurance, regardless of company benefits.

• Critical Illness Insurance: Coverage for major medical treatments.
• Health Insurance: Ensuring access to high-quality healthcare.
• Debt Repayment Insurance: Protecting clients’ financial obligations.
• Income Protection Insurance: Safeguarding clients’ income in case of illness.
• Retirement and Legacy Planning: Ensuring financial security for future generations.

I follow the principle of “sharing stories to avoid accidents.” I use real-life data, including claims data and case studies, to help clients understand the value of health insurance. For example, the story of a famous Singaporean actress, Pan Lingling, who successfully battled cancer with the financial support of a comprehensive health insurance policy, illustrates how sufficient coverage can alleviate the financial burden during critical treatments.

I encourage potential clients to take proactive steps and invest in health insurance while they are healthy, ensuring they have the necessary coverage should health issues arise in the future.