Insurers Scam People or People Scam Insurers?

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first

What Happened Recently After the recent, surprisingly improved inflation data released in mid-July, it solidified expectations for a near-term rate cut by the Federal Reserve. Why It Matters Lower rates are beneficial to

What Happened Recently Interest Rate Cut Cycle started, but not in the US. Instead, the European Central Bank (ECB) which represented 20 countries, proceeded with its 0.25% interest rate cut in the

Your medical card is useless at private hospitals means: it will NOT grant you cashless permission The real document that enables cashless admission is GL issued by insurer. This is how it looks

Common mis-use of medical insurance (borderline fraudulent cases) and how insurance companies counter these incidents, to prevent medical claims from spiraling out of control - thereby impacting honest policy owners

Example of High Claim amount medical cases in Malaysia (7 Figures) and its associated medical conditions. Also, example of high frequency claim incidents and its associated medical conditions. Doctors being more cautious

I provide data on the rising trend of medical inflation in Malaysia compared to other countries. I explain how medical inflation is different from general inflation and why it is

Data & analysis released so far that answers your questions below. Are we positive 2024 is going to be better & safer than 2023 & 2022 for the stock market? ✔️Yes,

This month's update -  we are covering what will central banks do in 2024. The truth is that we are at central banks’ mercy, especially US central banks – Federal Reserve.

There are many ever-moving parts of the world economy and is not so easy to understand. But I will summarize what to expect 1-2 years from here so you add this

I want to bring you up to speed on this: 'when will the economy recover?'... ...so you can make better portfolio decisions going forward, taking into account recent events &

Yep, we are going to answer that today. I'm going to even show you what to do. It's easy Best of all, no extra protection or investment premium required (although that definitely helps) More

This is how you can detect and resolve common issues during hospital admission & discharge using your own medical insurance, without needing your insurance agent to be on-site.

26 July 2023 - Although US central bank (the Fed) never committed to it, the 0.25% hike could be the last or second last, as we near the end of the

Contestability period is a practice pertaining to any medical insurance policy that allows the insurance company to contest or question the claim raised within 2 years of the policy being

Pre-hospitalization medical claim: RM 142.90 Post-hospitalization medical claim: RM 114.00 Filing claim using insurer's own app Claim payment receipt 1 Claim payment receipt 2 Transaction history inside bank account Conclusion: When there is no misrepresentation of

Let me reveal to you - a good indicator of the type of illness or condition you should really be aware of... ...based on the top-down breakdown of the Top 5

Last month, I gave you heads up on 2 things that will ‘spoil’ the predicted sequence of events leading to the Fed Pivot: From then until

We are now one step closer in the 1-2-3 sequence of events (as explained in my Jan 23 update). The markets also reacted to it The next meetings happens on

I'll bring you up to speed on what to expect so far this year. They kept interest rates at 0.125% throughout 2020-2021 until they realized inflation was

Apart from hiking interest rate, another way to bring down inflation, is to decrease money supply in the economy by adjusting bank Reserve Requirements (RR) in a season of Tightening Monetary

Just a matter of time - the Federal Reserve will pivot because the Federal government needs it. When that happens, we're going to get more persistent inflation and everything will inflates,

EPF annual report press release usually coincides with annual Budget week, not sure if you notice. EPF statements in last week press release is a good perspective to help you understand

I’ve compiled FAQs on your investment portfolio in view of what’s happening. See below. Q1. Was it a bad decision/timing to invest/stay invested in 2021? Last year,  Aug 2021 at Jackson Hole, US

Read this Term Sheet on Structured Investment Product from banks. Then watch below, a True Story my client told me. https://www.youtube.com/watch?v=1XUsv6ikm4k The issue is NOT with the underlying shares for the structured

How to check the Guarantee Letter status and decision myself?Call the phone number on your medical card. They operate 24 hours a day, 7 days a week. Why is deposit required

For detailed updates, equally compelling reasons why market could stay low and bounce back by year end, watch below

Global equity markets plunge needs no further explanation by now, but bond markets also experienced a downturn never seen since 180 years (2 lifetimes!) ago Conventionally, bonds are the safe haven

A mind blowing revelation, backed by statistics, proving what every individual stocks investors has been experiencing their entire life. Even if you idolize Warren Buffett, and learned all his tricks and

First of all, you need to understand these 3 things for this to make sense How Investment Linked Policy (ILP) worksInsurance charges (Cost of Insurance) HikeSustainability concept in ILP This will make

Do you know what saving money is a NON-Economically Productive activity, but Spending Money and Going into Debt IS? IN this mind blowing, eye opening story, you will learn why, and

Sometimes, people forgot the 'human element' when it comes to dealing with investment or insurance. This is how you know your agent has empathy and therefore prioritizes your emotions and feelings

Confession of a property investor who got misled & blindsided by an infamous property guru - learn from her mistake so you don't make such disastrous mistakes on your own. Juicy

Yes, that's right. See this and understand how it can negatively impact your policy sustainability and premiums going forward Click to Enlarge Make no sense to you? Then you miss these 2

Was invited by EPF (yes, the one and only KWSP) in 25 Oct 2021 to give a talk on this topic (in BM). These are the bullet points: -How to make more

Continue from part1 of the same title - narrating the behind-the-scenes of how our client serviced his mortgage installments for more than 1 decade, only to discover his outstanding loan