Tag: Life Planner
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Does a RM1 Million Annual Limit Mean You Automatically Get RM1 Million?
This is one of the biggest misunderstandings about medical cards. Having an annual limit of RM1 million does not mean every admission is automatically approved up to RM1 million. Example: Your medical card has an annual limit of RM1 million. You are admitted for a procedure estimated at RM12,000. The hospital submits a GL request…
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How Initial Guarantee Letter (GL) Actually Works: From Seeing the Doctor to Getting Hospital Admission Approved
One of the most common frustrations patients face during hospital admission is: “Why is my medical card taking so long? Isn’t this what insurance is for?” What many people don’t realise is that a medical card is not an automatic admission pass. Before an Initial Guarantee Letter (GL) is approved, there is usually a medical…
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How a Guarantee Letter (GL) Works: Initial GL vs Final GL
Part 1 of 3 — What Actually Happens Before Your Initial GL Gets Approved Many people think hospital admission starts when the medical card is presented. In reality, there’s usually a process happening between the doctor, hospital, and insurer before an Initial GL is approved. This series walks through that journey step by step —…
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Aggressive? Shameless? Maybe. But It Worked.
Not too long ago, I was called “cheap”, “shameless”, and accused of doing cheap marketing — simply because I posted on Threads that I’m looking for clients for my takaful and unit trust business. If only that person knew me 20 years ago… they probably would’ve called me worse names. 😂 The things I did…
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MyInvois, As I Explore the App
It’s that time of the year again. While salaried income earners start the submitting their BE form to LHDN in March, those of us earning through freelance work—agents, content creators, and others under Form B—only face tax season in June. But for us Form B gang, it’s always a good idea to prepare early—and get…
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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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Switching Payment Methods Like a Pro on AIA+ App
Need to change your payment method? No problem! Just hop onto the AIA+ app and follow the steps to update your details. A few taps, a quick confirmation, and boom—your new payment method is locked in. Just read on until the end and let me show you how. But hey, before you proceed—quick question. Need…
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Aliyawanders 