Tag: insurance agent
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Because Life Happens
As a financial planner — and also as a mom — I’ve seen how unexpected expenses can shake a family’s stability. Many people believe, “It’s okay, I can always rely on government hospitals if anything happens.” But here’s the truth: while treatment at government hospitals is subsidised, not all medications or procedures are fully covered.…
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Mind the Gap
When we talk about “protection,” most people immediately think of medical cards, insurance, or takaful. But here’s the thing — many Malaysians actually don’t have enough protection. This missing piece is what we call the protection gap. What is the Protection Gap? In simple words, the protection gap is the difference between what your family…
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How to Handle Sales Rejection Without Losing Your Sanity
Let’s be real—sales rejection sucks. You pour your heart into a pitch, get all hyped up, and then… bam—a big, fat NO. Sometimes they ghost you. Sometimes they say, “I’ll think about it” (spoiler: they won’t). And sometimes they shut you down so hard you start questioning all your life choices. But here’s the thing,…
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What You Need to Know About Death Claims
Let’s Talk Takaful Claims – Part 1: What You Need to Know About Death Claims Hi, I’m Aliya — your friendly neighbourhood Islamic Financial Planner. 😊 If we’ve met before, you’ll know I’m passionate about helping individuals and families make financial decisions that are both smart and aligned with our values. One question that always…
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1 Juta Annual Limit, Tapi Kenapa Tak Approve Semua?
“Kenapa rawatan kanser ni tak terus approve RM1 juta?” Real case 1 : Padahal dalam plan ni, annual limit RM1,000,000. So kenapa tak terus approve je semua amount tu sekali harung? Sebab GL (Guarantee Letter) takkan approve lump sum terus sampai RM1 juta. GL approval ikut apa yang hospital apply, berdasarkan keperluan rawatan semasa. It’s…
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Medical Card Is A Waste of Money?
Amir (real name hahaha) pays about RM100 for ASTRO bill every month without fail for the Sport’s package. RM100 gone each time. The thing is, we barely watches Astro. Almost ten years in, he suddenly feels like it’s a waste. “I’ve spent so much, but I barely watch the television. I always come home late,…
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Having Sales Anxiety?
I still remember my first cold call—palms sweaty, heart racing, voice cracking like a teenager in a school play. I had rehearsed my pitch a hundred times, yet the second the prospect picked up, my brain staged a full shutdown. “Hi, uh… I’m calling about… um… your financial planning needs?” Click. Dial tone. Ouch. But…
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Sales Scripts: The Art of Selling Without Sounding Like a Desperate Ex
Ah, sales—the magical dance of convincing someone that your product or service is worth their hard-earned money. But let’s be real. Nobody likes to be sold to. We’ve all had that one pushy salesperson who made us want to fake a phone call or suddenly remember an “urgent meeting.” If you’re in sales, the goal…
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