How Devil Property Gurus Con their Followers (Kisah Benar)
Malaysians who had been blindsided by notorious property gurus running rampant in the property investment industry came out and shared this to others - hopefully it helps to heighten the
“Why insurer call for medical exam even when I declared I am healthy?”
Oh, the hassle of going to the doctor's clinic or hospital to do medical check as instructed by the insurance company when you apply for insurance. Yet, you may have seen
Got insurance but no assurance?
How is assurance difference from insurance? Do you know that some people have multiple insurance policies but actually very little or invalid assurance? How can that be? And how to check and prevent
Shocking! Cheated for 5 Figures by Insurance Agent
When I first heard my client related his kisah benar to me, even I was surprised at how this happened The audacity, notoriety and blatant disregard of ethics of the insurance
how much insurance can you buy (if budget is not a constraint)?
Yep, we are going to answer that today. If you're retired or unemployed, what kind and how much of insurance can you apply for? How much can you buy for your
Do you really need P.A.? Y/N? (Answer inside)
Yes, Personal Accident policy is relatively inexpensive. Most people don't even bat an eye on the premium cost. Some who do have it, do not realize how useless it is. Because your PA
REVEALED: Our Insider Insurance Appeal Process
We regularly get compliments from clients on our seemingly uncanny high success rate when it comes to insurance appeals. In case you aren't aware, it is a negotiation process where we
Medical: Rider vs Term ~ which one is REALLY better?
You may have heard someone said a medical card in the form of rider is better; on the other hand, someone else probably told you the complete opposite, stating a
What to Consider Before Changing your Outdated Medical Card
So you have been holding on a medical since 5 years ago or even longer? And you recently got triggered that your annual limit might not be sufficient going forward? But, you
Insurance Savings Plan can Beat Fixed Deposit? (30 years case study)
Finally, we have client who came to us to review and restructure his insurance policies dating from 3 decades ago. 4 of the policies are savings plan, bought in the
Insurance Claim Breakdown
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
Risk Management Approach for Investing in 2020
This month, I wanted to give you a high level overview of what precautions to take based on what has transpires so far. Specifically, insights on equities and property market. First,
Y/N? Top up Company Medical Insurance Coverage
You've enjoying a very comprehensive medical insurance coverage by your employer for quite some time. But recently somebody or some event triggered you that can be insufficient You have no intention
Hospital Bill Items NOT covered by medical insurance
Here's the truth. Your medical card/insurance won't cover your hospital bills 100% You probably need to fork out money to pay for some items in your medical bills upon discharge. But WHY? And is
Endgame: ILP Sustainability in Jeopardy [Case Study]
This is a very good example on what happens to your investment-linked policy sustainability when you are over 70 years old. It's so important for you to plan and allocate funds
Hike in Insurance Charges – what’s that & how to handle?
If you've had an insurance for a couple of years, you are likely to encounter this - Hike In Insurance Charges (nope, it does not mean direct Hike in Premiums) This
Innovative end-to-end global medical coverage in USD
This is a breakthrough solution from a Malaysian insurer - now there is a product which covers your hospitalization and surgical procedures internationally without geographical restrictions. Coverage up to USD
Allianz Medisafe Infinite+ Review & Compare
Come July 2019, following new ILP guideline/ruling from BNM, most insurers in Malaysia took this opportunity to revise their product offerings. Personally, I only focus on what I think is the
Medical Card by Life Insurer vs General Insurer – Critical Things to Know
Here's the story Some time ago, a new prospective client did his own research comparing the cost (premiums) of medical cards. He found out that there's a different medical card product range,
Do you need 150+ Critical Illnesses Cover?
It used to be just 36 Critical Illnesses aka Dreaded Diseases. Then the coverage evolved to include Early Critical Illnesses, which some insurers packaged them as 60 or 70+ Critical Illness
How we get medical card application from Postponed to Approved
If you are in your 40's or above, chances are - it won't taking a stroll in the park when you apply for medical insurance (aka medical card). The worst outcome
Stupid & Smart Way to Buy Large Sum of Insurance
So here's the thing...like some things in life, you probably need to go to both ends of the spectrum to know the entire picture. How can you understand what's evil in
Why Insurance Agent will Over Charge you in Broad Daylight when you’re Stupid
If I were to tell you you need to pay RM 10k/year for RM 500k (half a million) of Death/TPD coverage, would you think this is reasonable? For the uninformed, the
Timeless Strategy to Invest in 2019 & Beyond
You might have tried every investment vehicles out there - stocks, real estate property, unit trusts, and even bitcoin maybe. And you might have learnt every investing approach there are -
Why your Medical Card Reject your Claim (Why and what you can do)
Picture this. You pay for your medical card premium for n-th number of years. Then one day, you need to be admitted to the hospital. You expect hassle-free, cashless admission. But suddenly hospital informs
Kisah Benar on Cancer Treatments (the bill will shock you)
How High can Cancer Treatment Bills go? The subject line is self-explanatory and I hope this serves as a useful practical (not medical) perspective for your reading this. Withhold your judgement
Things that are inside the policy contract but isn’t in the quotation
If you've been admitted to a hospital before, have you wondered why the specialist come to see you twice a day, but not less and not more? That seems to be
How Banks Blindside you in Broad Daylight if you’re a Financial Idiot
If I were to offer you something that gives you 25% return in 15 years, would you take it? Most people first reaction would be - 'YES!' then they will be
Most Enduring Insurer (according to a global research)
Do you agree, when you purchase an ins policy, you expect to keep it for the next 30-50 years but you just hope we won't have to use it. The crux
Medical Card: 150 days per year vs 150 days per disability?
Have you really scrutinized your medical card - the number of days per year of hospitalization it covers? Yes, they varies from one insurer to another. And more than that, there's this
KD+30M+IF = Insider Formula to Rapid (& Safe) Weight Loss
"But why I want to lose weight in the first place?" Because every few weeks, we got new AskCF members who asked in their very first question: 'I am in urgent need
How to Survive the Stock Market Post GE14
Impacts of Pakatan Harapan’s GE14 manifesto on sectors and stocks. Consumer goods sector to be resilient in 2018 and 2019 as the new PH government is expected to abolish the GST,
How does this eMedic Card compare to Normal Medic Card? (Truth Inside)
I think this insurer really made a breakthrough in Malaysian health insurance market by offering an electronic version of its medical card which can be bought online without any insurance
Here’s why I hate this insurer (because its agent are blindsiding customers when selling this medical card)
I think this insurance company is blatantly trying to blindside people for its medical insurance products. Here's why. Let me ask you, if you an insurer, offering a medical card with no
EPF-approved funds with foreign exposure: Complete performance comparison table
Updated 15/2/2018 This table is computing the total returns up to end 2017 if you were to invest RM 50k into the list of EPF-approved unit trust funds with foreign exposure,
Best cost efficient medical card for elderly parents
I always got an equal number of inquiries when it comes to buying a medical card for: Your childrenYour elderly parents In your opinion, which one should we prioritize over? Most people will
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
Get your credit application Approved like a Pro
Don't underestimate this knowledge on how to get your credit application approved (or never rejected in the first place). Let me put you in a situation. You discovered a dream home for
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
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
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,
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
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
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
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
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
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
Allianz Medical Card Range Comparison (updated Feb 2017)
This table compare all available Allianz medical card options and configurations, with indicative annual premium for a 35 & 50 years old Male/Non-smoker/Occupation Class 1 & 2. Room & board (R&B)