Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
The real cost of an investment-linked policy
ILPs bundle insurance and investment. Understanding the fee layers is the difference between a useful tool and an expensive one.
Priya Nair
The critical illness coverage gap nobody talks about
Hospital plans pay the hospital. Critical illness cover pays you — for the two years of income most patients lose.
Marcus
Term vs whole life: which one actually fits you?
The two most common life insurance types solve different problems. Here is a plain-language guide to choosing.
Alice
Takaful vs conventional insurance: what actually differs?
Both protect your family. The difference is in how the fund is structured, who bears the risk, and how surpluses are shared.
Farah
Five questions to ask before buying any policy
A checklist I wish every customer brought to their first meeting with an advisor.
Alice
Emergency fund first, insurance second? Sequencing your safety net
Savings and insurance solve different problems, and the order you build them in matters less than people argue about online.
Priya
Hospital plan deductibles and riders, explained simply
Why your hospital bill is not fully covered by default, and what deductible riders actually do.
Chitra
Flood coverage in Malaysia: is your home actually protected?
Standard fire policies exclude flood by default. With monsoon losses rising, here is how the special perils extension works.
Lim
How much life cover do you actually need?
A practical method for sizing your sum assured without overpaying: income replacement plus liabilities minus assets.
Ben
Medical card annual limits in Malaysia: what the numbers really mean
RM150,000 a year sounds enormous until you price an ICU week. How to read annual limits, lifetime limits and room-and-board caps.
Farah
Choosing takaful in Malaysia: a practical starter guide
Tabarru, wakalah fees, surplus sharing — the vocabulary is different, but the decisions are familiar. A plain guide for first-time takaful buyers.
Nurul
Five covers every Malaysian small business should price first
Before the exotic policies, price these five: fire, burglary, money, public liability and business interruption.
Lim
Roadside claims 101: what to do after an accident in Malaysia
The first hour after an accident decides how smoothly your motor claim goes. Here is the checklist I give every client.
Nurul
What actually affects your motor insurance premium
NCD, excess, driver age, and workshop schemes: the four levers that move your car insurance price.
Daniel