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How we helped a client get his insurance approved without loading/exclusion

I am sure you are aware of the outcomes below when it comes to insurance application: Approved per standard case, as quoted (best case scenario, standard premium, full coverage) Approved with loading (extra premium but still with full coverage, normally due to low-risk pre-existing medical conditions) Approved with exclusion (no extra premium but certain medical…

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Standalone Medical Card Specifically for Diabetics

If you don’t know that already, once you are diagnosed with diabetes, all insurers will reject your medical insurance application. In fact, there’s no point submitting an application in the first place because of this. Now, a company has came up with a medical card product specifically catered for diabetics with good control of their…

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How to Get Health Insurance even if you are overweight w/ high cholesterol + blood pressure

You may have watched the video below but in case you have NOT, watch it first to get a background of what this is about. Of course, as a subscriber, you get more than the information I shared in this video. And that includes: A quotation of a simulated male, 47 years old for 200k…

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New medical card review Sept 2017

OK, here’s the thing – it is not everyday or even every month where insurance companies updates their range of medical cards aka health insurance aka hospitalization & surgical policies. No, I do not mean minor updates, but rather major revamp which deserves our attention. So this is the month where that happens, and you…

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How to help your parents get 2x FD returns from their savings

Have you been in a scenario where a retired/non-working elderly parents/relatives always hunt for the best fixed deposit deals from banks to park their retirement money? They are usually very risk-averse and won’t dabble into any form of real investing, or had bad prior experience in investing. So the safest money instrument they trust is…

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How to ‘use’ your parents to get more money back from the right tax relief

In this month’s episode, I answered the questions:   What is the evidence required to claim the 3,000 parental tax relief from 2016 to 2020…(remember, you don’t want to mess with IRB if you don’t have the proper documentation) Why most people fail to maximize parents-related tax relief worth RM 8,000 every year within IRB…

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A 92 y.o. was ‘slaughtered’ by an insurance agent 30 years ago; daughter helpless

Before all these money scams / pyramid schemes became popular, one of the common methods to save & invest for long term is via insurance savings plan (aka endowment plan) But there are ‘more than meets the eyes’ for these endowment plans. People who had a bad experience buying/holding these plans called these as insurance…

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The lies you’ve been told about value investing practised by Warren Buffett

The “conventional wisdom” has always been that Warren Buffett’s success can be explained by his stock-picking skills and his discipline. And that lead people to adopt his stock picking strategy aka ‘value investing’. But how well does Value Investing work today? In a 2013 study” Buffett’s Alpha,” authored by Andrea Frazzini, David Kabiller and Lasse…

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Copy & Paste this Framework to Construct your Financial Roadmap

People always asked “how do I know if I can sustain my lifestyle until my twillight years with what I already have?” In other words, they are looking to quit or slow down in their career/business, but before they make that decision, they want some certainty that they won’t run out of money before running out…

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Webinar Recording: Shortcut to getting world class investment returns

Profitable + consistent annual returns in long term investing doesn’t have to be a scary, frustrating experience. This is your ultimate shortcut to getting world class investment returns, matching even Warren Buffett’s annual returns from 1996 to 2016. No fundamental or technical analysis required. No complex instruments. Only rudimentary investing knowledge required. Feeling disbelief? You…

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