How to overcome the ugly side of Work From Home

How to overcome the ugly side of work from home

How to overcome The Ugly Side of Work From Home

How to overcome the ugly side of work from home?  The boss informed Madam Su, a headmistress in a mission school, over the moon, smiling face to face.

But soon, she realized that she no longer had time for herself and her family. She has been a mother of 4 from primary to secondary school, with an OKU mother-in-law, bed written for a decade. A supportive business husband provides the necessary medical bill; indeed, she has less shoulder work. But soon, she releases not living in the cloud, but a hassle nuisance.

“I’ve been consistently receiving ‘urgent requests’ via WhatsApp from my boss, even as late as 10 pm. And they keep on coming no matter how late it is,” she complained to her hubby before retiring to bed—a stressful working from home life.

Overcome The Adverse Impact of Work From Home

20,685 Work Home Stress Photos - Free & Royalty-Free Stock Photos from Dreamstime

“I feel so burnt out, especially when I still have to work beyond normal hours while cooking and attending to my crying child. This chaotic of working, worse than being stuck in traffic every day for an hour to commute to work,” she said.

Robotic Long working from Home

Similarly, a fresh graduate who works as a digital marketing consultant, Simon Ching, 27, has been made to work even on Saturdays and Sundays. What a hack of Life! No time to chat with his sweetheart. He often feels remote of neglecting her and afraid she might dish him off. Is this we called Life?


“I’ve been clocking about 80 hours a week since we started WFH (last year) – that’s about 15 hours a day. It’s also ‘compulsory’ for my colleagues and me to share our live locations when we start work at 8 am,” he complained.

Late Lunch Hour Alone

“Once, I often have my lunch as late as 2 pm packed from a stall located a merely 2 kilometers away from home. I am renting a room with an attached bathroom, with no cooking and washing allowed by the tenant. The friendly tenant couple often brightens my day when I feel down. The loving young couple never failed to cheer me up. With their consistent encouragement, he raised his head.

Overwhelmed, Mr Simon Ching plucked up the courage to highlight the issues to his boss.

But the reply was “disappointing”. The boss knows their pledging, yet he insisted they be more productive to work in home comfort. Are we robotic employees during this digital era?


Taking an anti-anxiety medicine since last July, Mr. Simon Ching and contemplating quitting the job, but I’m worried I won’t have enough to survive till the COVID-19 pandemic is over.”

How to overcome the ugly side of work from home
How to overcome the ugly side of work from home

Madam Su and Mr. Simon Ching both are not alone. Hundreds of posts shared by social media users on social like Face, Twitter, Instagram highlighted the dark and “ugly” side of WFH during COVID 19 pandemics.

They are many untold stories facing by the working group. Moreover, some of them have pushed the edge of a cliff by taking their own Life. The worst is the abusing parent punished their children without mercy as a child hospitalized with a bruise and blue over the body, with some broken rib.

It is an urgent crisis that the government should look into and find a permanent solution. Our power-crazy politician has badly ignored the welfare of his citizen.

If you hope to achieve a more excellent work-life balance for yourself and your team, remember these guidelines:

· Don’t log in now when you wake up. Grab a coffee and adjust to your morning.
· Set a regular schedule and keep it; maintaining a routine can increase efficiency.
· Remind yourself and others to take work breaks just like they would at the office.
· Expect the unexpected. Allow added flexibility to handle responsibilities at home.

Doing a simple body stretch out during a tight schedule.

How to overcome the ugly side of work from home
How to overcome the ugly side of work from home

Once you define a precise cut-off time to end the workday, adhere to it. And if you felt under the weather or simply need some downtime, don’t be afraid to take a sick day or use your vacation hours. They called benefits for a reason; try to enjoy them.

Remote working will always pose its share of challenges. But once you make yourself aware of the different problems with working from home, it becomes easier to combat the adverse effects. You may even rekindle your love for remote work.


How to live in paradise with endless money during Covid19

How to live in paradise with endless money during Covid19

How to live in paradise with endless money during covid19


How to find money to feed oneself and family during the pandemic outbreak of Covid19? The Covid19 is never before catastrophe to the world economy. The world standstill, the factory has closed thus causing the immobility of humans on a large scale. The government of certain nations instructed lockdown or curfew a province or even a megacity. Is there any money left for the common man on the street?

People are lining up to die in hospitals with daily increasing infected patients queue up for the screening. But the government allocated priority for the medical care service, thus, the citizens receiving the aids are hardly able to survive for a month. The money allocated to the citizen whereby the employer shut down the operation merely a fraction of the monthly income.

People stay at home without another source of income. How to live in paradise without worry about the money? Moreover, how long will the Covid19 outbreak last? Do you know the answer?

Discover any vaccine? As if you are expecting a boat sailing across a mighty Pacific ocean without the aid of a compass to berth at the nearest destination? Likewise, it is the same for how long our saving will last? Do you know? Is your money can last for at least 6 months until the pandemic Covid19 is over? If not, why not think another way to find the best and easy source money or passive income in the future should any mishap befall on us again.

How to live in Paradise

Had you ever think today what is your hard-earned money is an active income. The fact speaks for itself, no works no money, wouldn’t you agree with me. Of course, you would say “I am on paid or annual or even sick or compensate leave” What other leave you have besides 3 months’ maternity for women. Do men enjoy the same 3 months’ benefit as our lady?

With the movement control order by the Malaysian government from 18th March to 31st March 2020, can you survive the RM600 for this period with a housewife and a few children on toll? Is this money sufficient for the whole family? Can you find a part-time job at this junction with all not essential industry closed down? No, absolutely not, it is like finding a needle in a haystack. Where can you find the money to feed your whole family? Rob or snatch, but in reality, the city has turned into a ghost town. How many people and the car could you see during Covid19?

Do you still follow me? What other option do you have now? If not, you are brutally I should say” You are such a dummy, brainwash by the Ivy League professor” “passed your examination and graduate with honor or postgraduate degree and find a good steady income job” Do it ring a bell to you.

Live in Paradise with money during Covid19

“E-commerce, affiliate link” sounds familiar or an alien term to you. If not, I do not know what the world you are living in. The fact, this is a digital era, at least 5% of these bloggers or e-commerce marketer making endlessly no less than 5 figures US dollars a month. They travel across the globe with a laptop with endless money flow into their PayPal account. Here is the example of my website

Well, you said, it is so hard to make a lot of money. Yes, I totally agreed with you. But nevertheless, those successful people have a strong determination and persistence to go on.

The truth is that you must follow the right mentor to guide you. It is easy to leverage their time and failure in order to gain a vast experience from them so that you can shorten the time to succeed. Here is the link whereby you can build up your own eCommerce.

Paradise Money during Covid19

Hear the insurance agent sells online during the Covid19. Yes, I do join them a long time ago. In fact, selling general insurance is much easier than you ever thought. I use Whatapps for renewal and even new cases from other nations, not locally. Thus I have no physical contact with them to avoid Covid19. Frankly speaking, I don’t sell motor insurance; it contributed less than 10% of my portfolio. My main criteria are marine insurance and medical card beside fire and loss of profit insurance.

Passive income money during Covid19
How to live in paradise with endless money during Covid19
How to live in paradise with endless money during Covid19

What is passive income money? What is a hack of passive income? Let us dive into the unit trust or mutual fund industry

But wait, do you have a clue about passive income. In a simpler term, it means you receive income money without work for it. You would argue with me “Too good to be true, but nevertheless it is truth”

Indeed, all unit trust company regular pay monthly or twice weekly to their agency force without failed as long as it has a net asset value

The passive income money or career benefit based on individual agent net assets valued at the end of the month. Similar to your take-home monthly, would you like to grab it yourself.

Monthly passive income money is again depending on the hierarchy ranking.

Agent Supervisor with a range of monthly RM1K to 2K, on top of the 5% and 6.5% subsidiary of car and housing loan. The car loan caps at RM50K and housing from minimum Rm100K to RM200K.

RM2k to 7K on average for Agent Manager with car loan limited to RM100K and house loan RM100K to 500K with 5% and 6.5% subsidiary respectively.

As for the Group Agency Manager, humbly they could easily receive Rm6k to 10K. Some of the top group agency managers earn more than RM100k monthly on this passive income money. Of course, as usual, the car loan of RM150K and a dream bungalow of up to Rm1 million. Have your ever thought of a dream house of RM 1 million with no interest attached payable up to 70 years of age?

live in paradise with endless money during Covid19
live in paradise with endless money during Covid19

Even our own government servant has to pay 4% interest per annum tenure until 65 of age. What you have to say, are unit trust consult not live in paradise with endless money?

By the way, before my conclusion, do you sincerely want to join me to live in paradise with endless money during Covid19. If so, please take your initiative first step.

Lastly, you can get your passive income money endless by lifting your finger by a

call now or Whatsapps me on +60 013 7839857.

Be alert not legally scam by linked insurance now

Be alert not legally scam by linked insurance now

Be alert not legally scam by linked insurance now

Nowadays, often you read or hear or see in social media been scam by the unscrupulous scammer. But, have you ever hear you are been legally scam by the insurance company. Why did I say that? Because I am the victim, moreover, ironically like added salt to my wound as I was an insurance agent myself.

Not blowing my own trumpet having passed the Chartered Insurance Institute with Distinction on my final marine claim and underwriting. I was an associated member of AAII, AMII, and CII after passed all my 6 objective papers and 3 hours written 13 subject papers. Also, I am a Marine adjuster licensed by Bank Negara. Having said that, do you think I would be much better off than people walking on the street to understand the policy contents? Likewise, would you agree I can interpret much better than some qualified life insurance agents? I joined full-time corporative Marketing personnel in a conglomerate public listed general insurance establishment in 1994. Prior to this, I handled mainly with Marine cargo insurance in 1981.

But the truth speaks for itself; I too fall as a victim by the legal scam of the insurance company.

Be alert not legally scam by linked insurance now
Be alert not legally scam by linked insurance now

Be alert not legally scammed by Insurance

“You are stupid, why you don’t consult your immediate up line” sarcastically said.
“Well, my immediate only an STPM holder, furthermore, his up line merely an M.C.E qualification”
“Because, you are too ego seek advice from them” Both of my up lines are from East Malaysia, at the time there is no WhatApps. Now, I hope you understand my situation.
“You don’t go for training” You are wrong. I attended and enjoyed the sharing training with zest with a lot of questions. In fact, I arrived earlier before the training with a notebook and pen. I scrapped the entire note as if I attended a lecturer or tutorial.

How insurance can scam you

I joined the life insurance in 2005 after my relative knew my predicament of Rm250K overdraft loan with a local bank. Eagerly I signed up and sat for the life and investment-linked examination. Nothing too proud of, of course, I passed with a distinction with less than an hour in the examination, In late December 2004, the 3 hours objective paper. Mind you, we still used a 2B pencil to shade the correct answer. After that, we waited for weeks for the results from the insurance company that we had earlier signed as an insurance agent.

Meanwhile, waiting for the result, I start to read a book on a life insurance policy. But to my astonished, in fact, the most popular product is the investment-linked insurance, besides the endowment policy. Why no term insurance? Please ask the insurance company, but the agent point of view, 10% commission not attractive enough to put the hard work. On top of that, it is a cheap premium without any saving in nature.

Anyone can answer me “what is the purpose of life insurance” Protection. Isn’t correct? If you say “saving” is ill-informed by the insurance agent. Unit trust or mutual fund or even bond gives a better return than the fixed deposit. Obviously, it is not the investment-linked product that you have purchased from a life insurance company.

Be alert why insurance can scam policyholder

All in all, when you approach by an insurance agent for life policy, do you really know what product suit your criteria? Even with the fact-finding and your financial standing. You are pretty sure the insurance would propose 3 in one policy to you. Namely, the only choice left for you is the investment-linked 36 critical illnesses. And of course not forget the utmost important medical card and waiver of premium rider that you need the most. Is that a level term insurance regardless of the entry age?

Besides the 110% commission payable to an insurance agent, how much left for the investment compared with 5.5% charges for unit trust. Even cheaper if you parked your hard-earned money in the 3.75% e investment and 1% for bond charges. Frankly speaking, even a primary school student would able to answer which is more premium in comparison.

Be alert not legally scam by linked insurance now

Non-Transparency Investment-linked Insurance

Had your ever cross your mind the reason why insurer promoted fiercely. It can legally con the insured, am I not wrong to say that. Faithfully, you pay the premium via credit or debit card without pay every month. The dear insured had ever received a small booklet stating the percentage of the premium. Which sector of the industry, for instance, telecommunications, consumer product, finance, technology, energy? Also, is it invested locally or abroad? Which country with the breakdown in percentage invested, for example, Japan, USA, China, regional or the Asia Pacific? What about the management fee and trustee fee per year?

Affirmative you would say “NO” Truly; the insurance company is no transparent toward the insured. This is legally scamming the insured, wouldn’t you agree? Year-end, you would receive a copy of the mail stated the balance unit and the net asset value. If the unit trust or mutual company can deliver a brochure with details of the percentage of major companies that had invested, likewise, why can’t the insurance do the same? Thus, it lacks transparency to the insured.

How insurance scam policyholder

After all, you ask me where is evidence. Hereby, let me illustrated you with proof to you with the actual scenario. Of course, I have deleted the insurer name for the view of the general public, and also, not to tarnish the reputation of the insurer.

I signed up for the policy in 2010, to cover part of my renovation housing loan of Rm250k for the tenure of 18 years. Why RM30K sum insured, not the RM250k as I have other life policies? I did the auto-debit from my visa card monthly of RM250.00. Why not is the mortgage reducing loan or mortgage reducing term loan? Please refer to my website On top of that, the training facilitator always emphasis on the investment-linked product for saving purpose. How far it true now, let use your acumen to be my judge?

After paying RM21 500.00 due to the “premium holiday”, I stop the payment for a while. Moreover, when I purchased a programmer from the USA for e-Commerce at home, the counter clones my visa credit card of US$69.00 after a week. I alert the bank to cancel and replace me with a fresh visa credit card. As I engrossed to master the new subject, I forgot to inform the insurer. But, nevertheless, I only blamed my forgetfulness and moreover thinking of premium holiday.

Be alert not legally scam by linked insurance now

Gentle warming reminder from insurance

To my dismay, a 5 pages letter arrived at my letterbox. The insurance stated that charge due date on 12 Sept 2019 with only a value of RM889.55. Given the option 1 of paying up with addition a regular top-up of 391.00/month based on last premium due date. Your proposed total premium of RM641.00/month, why the word you proposed?

For your information, in the contract of insurance law, you as an insured offer your premium as a consideration to the insurance company. It depends on the insurer to accept or reject your offer.

Or perhaps, financial sound, I could pay up the outstanding premium of Rm6K from the premium holiday commenced from 12 Oct 2017 to 12 Sept 2019.
Moreover, the investment amount is only 95% of your premium paid. Despite the fact, you are aware the agent commission stops at year 6. Why not the full amount paid? The insurance hijacked your 5% premium payable, would not agree with me?

The option 2, absolutely insane, makes a single top-up premium of RM 107,954.00. If you can pay up such a big chunk of money, would you pay for it? Just pay a paper contract of promise? Again, have you considered your other opportunity cost for it?

Also, another option 3 is to increase the basic premium or reduced sum insured or removed some riders. Thus, by doing so, you pay lesser premiums to reduce your burden?

Indeed, I am at the crossroad, could anyone lent me your hand to solve this crisis.


The shocking truth of insurance scam

I left penniless on 12 Jan 2020 if I do nothing of it. How sad! After paid Rm21500.00, you get nothing in return? Is that called saving by investment-linked product? You tell me. Legal scam by the insurer is the true fact. Protection and coverage you say for almost a decade? My feet!

Further, the fund return is a projection return range from 4% to 7%. It sounds so good to be true, isn’t it? Anyway, it is still a projection, what is the fund manager doing? Sleep on the job. Of course, you could predict the future return. But the past record was a historical figure, but it did not reflect the good return here.


Let me illustrated here. Let us take Rm125.00 monthly top up with 4% interest per annum, After 7 years you would get Rm12 267.09. Please bear in mind I only use Rm125.00 (i.e. 50% for the whole 7 years) of the premium paid to derive this figure. How could we stomach this Rm899.55? Don’t tell me is a saving principle element here. OR scam! Is it fair to the policyholder, where shall we seek justice?

Be alert not legally scam by linked insurance now
Be alert not legally scam by linked insurance now

Without further ado, let us dive deeper, why I took 50% of the premium paid for the investment. There is a higher premium for the age entry, the younger, lesser premium charge, with a better-off return also bigger sum insured. The older you are, you pay more premiums, less coverage and less return in a shorter span of time. That is the main reason, it is better to have insurance coverage at a younger age of entry. 

Insurance coverage Scam Be alert

Additionally, it covers another 4 years for my total permanent disablement. Isn’t it like rubbing salt to my wound? The termination covers stop at when you attain the age of 65. If you longer than a day, a mishap when you slip and fall and bedridden, no payment for the RM30k. Thus, you have to pray no accident befalls on you until you are 100 of age.

With a basic sum insured of RM30K for the life and 36 critical illnesses each respectively, thus gives a total sum insured of RM60K. If you die with the coverage period, you would receive RM60K by your next of kin. Of course in addition to some fund return still based on projection.

Ignored the earlier payment of RM21 500.00, let us take a single up premium payment of RM107,954.00, what is the opportunity cost of this amount in comparison with the sum insured of RM60K.

Assuming the lower return of 4% with a 39 years period as given by the insurance company fund manager and actuarial calculation, finally, you reward with a handsome better return by the insurance. It is a no brainy science; use the simple interest compound interest. In the end, you get a small fortune of RM498 355.17. The interest alone you gain to stand for RM 390 401.17 that is 78% and your principal of 22%.


You are a millionaire if we use 7% with the 39 years tenure and the same principle. Voila, the final reward is RM $1,510,796.84. Would you prefer the Rm1.5 million or the RM60K plus some uncertainty interest return?

The worst case of scamming scenario

Be alert not legally scam by linked insurance now

Please refer to the page, after paid-up faithfully for 7 years, it really made my heart boiling to the maximum on the last page stated the projection figures are for sales illustration only.

Be alert not legally scam by linked insurance now


Conclusion: Be alert not legally scam by linked insurance now

Now, all things consider and in the final analysis, had you ever stumbled across life insurance under receivership? Certainly, for sure there is none. With is kind of peanut return, are we not a legal scam victim by the insurance.?

The investment-linked insurance designed by the actuarial for protection and saving elements. I reserve my comment. I really don’t know.
Is the insurance company really scammed the policyholder or taking us for a ride? By now, you know the sincere answer.

Wrapping here, my final word, please read and digest your policy within the 14 days grace period upon receiving from the agent. Please surrender the policy and seek a full refund with no question by the insurance company if you find out it is worthless a contract of insurance that not up to your satisfaction.

Lastly, I sincerely hope to get your valuable comment or feedback for me to improve and share with others to avoid future mistakes like I did. 


Healthy Mutton Biryani the best in Kluang

Healthy Kluang Desa Mutton Biryani Best Favourite Choice


Healthy Mutton Biryani the best in Kluang

As a matter of fact, Kluang is not only famed for the Kluang Coffee due to the fact they are more 500 plus coffee kiosk. But to sadly, The Kluang the best healthy mutton biryani has often marginalized. Had you ever try the Kluang Tmn Desa Halal healthy mutton biryani. If no, then I would say you have not to visit Kluang. Why? You would ask me? The fact says for itself. I am not blowing my trumpet here. The mutton biryani is the best in Kluang judging from the 3 to 4 operation hours each day. Would you cross your mind, which restaurant opens for a few hours of trading? I am sure it is none.

Moreover, the shop not only sells mutton biryani rice but also the chicken biryani rice too. However, It operates daily from 10.30 am to 1.30 pm, after the addict customers devour all the mutton biryani. Is it surprising to you? What the hack the owner only opens for a few hours in a day. But, nevertheless, the truth speaks for itself.

Origin of Mutton Biryani

Healthy Mutton Biryani the best in Kluang
Healthy Mutton Biryani the best in Kluang

In fact, mutton biryani is a healthy nutritional food providing you with immunity power. It is not only healthy for the body but also increases the strength of the bone. Also, you can consume mutton biryani along with side dishes such as pappadam, salad, and pickles.


However, there are many versions of the origin of biryani. But, it noted mainly origin during the Moghul Empire in the Indian south continent.

But the main basic ingredient remains the same with many spices added to the mutton in order to enhance the flavor. The chef uses mainly boiled the long grain rice with some spices adding to it in India subcontinent. Whereas the Middle East mainly the Arab prefer to eat Nan instead of the rice, but nevertheless it is still mutton or lamb biryani.


Hyderabad Mutton Biryani


Remember vividly, I first tasted the best mutton biryani that I had ever eaten in a restaurant. It was a stone throw away from the main gate of the Osmania Medical College in Hyderabad. Extremely hot and spices with fresh dried raisin added into the rice. After 30 minutes of devouring, my Iranian friend dashed off to the toilet.


“What happened to you Ali, are you alright?


“Jamin, the hot and spices mutton biryani. I feel the burning sensation around my anus. I not used to take hot chili spices food back home.” he explained.


Kluang Healthy Mutton Biryani


Truly, the tasty finger licking Kluang Desa Biryani, if you had not tried it, that implied that you have not to visit Kluang. Ask the Kluang folks, they would proudly inform you of the exact location. The Kluang Desa mutton biryani is a double story shop lot situated parallel to the main road between Kluang and Air Hitam. When you arrive at Kluang Desa from the North-South Highway exit to Kluang town. Then, you would notice a traffic light junction before you take a left turn, in front of the Petronas kiosk. The sibling affair business runs for almost 2 decades by two brothers in Taman Desa, Kluang.


Mutton biryani sold out


In fact, on a normal day, it starts to serve the throng of customers queuing up as early as 10.30 am. 2 large pots of Basmati long grain rice would finish by 12.30 pm. I feel sorry for the latecomer. You can choose either mutton or chicken with side order like pappadam beside the cucumber and pineapple “achar”. Wouldn’t it be a good idea to sip a cup of cool lemon ice refreshing drink to round up your meal?


But what a pity, as it occupies only one shop lot, so, it is not spacious for the crowd. Thus, the customer prefers to pack their food eating in the air-conditioning office or at home. Likewise, it is a setback for patron indeed. But once you have eaten, you would come back for more. People would not mind eating with full perspiration under the oscillating fan as long as the food is authentic and delicious.


Healthy Mutton Biryani the best in Kluang, is a must-try for your 
next visit to Kluang.

How to Claim Flood Damage for A Property

How to Claim Flood Damage for A Property

Claim for Flood Damage for  a property

The recent Australian big flood destroyed thousands of homes and property like cars and livestock. Had you prepared for the flood claim on your property yet? Now, it is time to study your policy closely on the clause on a flood damage claim.  Call your agent for advice on how to claim flood damage on a property before it is too late.  Natural disasters like floods or typhoons and tidal waves alway strike when you are off guard. Life is hard, isn’t? In reality, how to claim flood damage for a property?  Surely, you purchased fire insurance on your house with flood extension, don’t you? Or else, you cannot claim flood damage on your property.

Claim for Flood Damage to Property

Has Mother Earth punished us for destroying the atmosphere? if Yes, we ought to face the music the consequences of global warming.  Have we not learning a lesson yet?   

The extraordinary continuous rainfall, in Penang and parts of Kedah on Nov 4 and 5 2017, The low-pressure area – the main cause of the flooding. It became a focal point for winds and a high level of moisture resulting in continuous heavy rain and strong winds.

Again, as can be seen, the recent 2019 Australian Bushfire, followed by the severe flood in 2020. Had our world leader taken a dramatic action to reduce global warming?  

How to claim flood damage for a property
How to claim flood damage for a property

Flood Extension to House and Car in flood damage claim

Beyond the human tragedy, the widespread flood damage caused by the flood and heavy storm serves as an utmost urgent reminder to homeowners in Malaysia. Now, awake call to property owner to purchased flood extension coverage in order to mitigate future loss claims.

Your home is a sanctuary for your family. Do not save a penny resulting in pay up a fortune? Nevertheless, it is never too late to reexamine closely your home or fire insurance policy. Moreover, It does not cost you an arm and leg to have the flood extension coverage for your house and content with one easy plan.

How we could protect ourselves, rather than expecting the donor or government handout which is insufficient and takes an age to receive? Prevention may be a better cure, help ourselves. No point in crying the split milk later.!

Protect ourselves First

The following extension clauses highly recommend for the householder or house owner policy when entering a contract of insurance.

Flood extension with a rating of 0.086%, you would like to pay a further premium of $860.00 for the sum insured of $1 000 000.00. The insurer shall compensate for your flood damage to deal with structure or home contents.

Flood and damage claim on a property

The overflowing of water or deviate from its normal path.  It is either due to prolonged hours of a heavy downpour. Besides, man makes a disaster like deforestation.

At the time, the Inundation from the general public mains supply. And also any flash flood water accumulation hails from outside the insured building.

Exclude the loss or damage caused by subsidence or landslip.
claim for flood damage
To complement the flood cover, the insured can also feature the subsidence 

The movement of solid floor slabs below the external walls of the buildings damaged by the same cause and occur simultaneously
Likewise, it is the same for occurring or in consequence of coastal and river erosion. Demolish or alter structure or repair, defective design, and poor construct foundations.
No liability for the insurer in respect of every and each loss, 5% of the entire sum insured or $25 000.00 whichever is that the lower, after applying the law of averages.

How to delete the exclusion clause on the claim for flood damage on a property

Of course, you can delete it paying a further premium of 25% loading.  Cover the outbuilding like the fence, gate, and walking path, dog kennel, and parking porch and swimming bath costs $500 000.00. Thus, you pay extra premium for the sum insured of $500 000.00 would be ($500 000 x 0.081% + 25% loading to delete the item 1) $506.25. Thus we derive the ultimate total premium for the extension peril would be ($810.00 + 506.25) = $1 316.25

Claim for flood damage by Falling Trees or Branches and Objects

The victims acknowledged not only the house submerged with water. But also the falling branches and tree fall the car parked within the car porch causing severe damage. Generally speaking, an insured claim flood damage to the house, but not on the car itself. Why not on both the properties, the insured got to ask their agent for their unprofessional work.
How to claim flood damage for a property
A wise move to cover the building and your car with such peril. By having said that, although it’s a painful lesson learned.  Nevertheless, one can ensure this peril during subsequent renewal with a rating of 0.01%. Pay $100.00 for your property with a sum insured of $1 000 000.00

This Policy includes loss or damage to the property or to walls, gates, and fences directly damage due to falling trees or branches. The insured shall bear an excess of the $250.00 for every and any loss or damage. Don’t waste your precious time for the claim falls below $250.00. If the claim is $ 3 000.00, the insurer pays you $2 750.00 for the complete and final settlement of the claim. You bear your own cost of $250.00 for the claimed damage on your property.

Claim for flood damage on Removal of the debris (with the separated sum insured)

After the floodwater had receded, what a remain was a messy muddy floor. it’s an eyesore to ascertain floor carpet with mud, filthy muddy stagnant water. Life has got to continue. Has your ever think the cleaning process when hired workers to clean? What’s the value of this trying time? The cleaning company would demand an exorbitant fee for the laborious task which is in great demand. Does one check your policy for the removal of debris clause for the claim flood damage on your property?

The additional sum insured can incorporate forming a part of the sum insured with a separated sum. It all depends on the size of the building and the number of floors. ground. It can cost easily at $5 000.00 upward.

People clean their houses affected by floodwaters following heavy rain in Bantul Regency, Special Region of Yogyakarta, Indonesia on March 18, 2019. Heavy rain hit most of the area in the Special Region of Yogyakarta on March 17, 2019. The heavy rain caused floods and landslides in Bantul Regency. Two people died from the incident. (Photo by Rizqullah Hamiid/NurPhoto via Getty Images)

Prior approval from the Insurer

The insurer pays the insured for the prices and expenses necessarily incurred with the prior approval from insurance firm
(a) removal of debris
(b) dismantling and/or demolishing
(c) shoring or propping of the portion of property damaged or destroyed fire or by the other peril hereby insured against. (Items (b) and (c) above deemed to delete when neither Buildings nor machinery is insured).

No separated sum insured for the removal of debris 

If the insured doesn’t feature a separated sum insured for the removal of debris. The insurer will bear 10% liability for the entire sum insured. The insured can claim up to $100,000 for cleaning up the mess out the sum insured of $1 000 000.00 provided flood extension clause printed within the policy.

Rent clause – to not overlook.

a) Applicable to owner non-occupier to the premise, if the building is unfit for occupation due fire or other insured peril, the owner for the rental loss shall not exceed the entire sum insured. Let say a monthly rental $2 000.00, loss of rental for six months can recover from an insurer of $12 000.00

b) Applicable to owner-occupier the premises, if the Penang flood destroyed the building, the insured got to find another alternative home for 1 year before a replacement home able to move in. The rental of an identical standard home cost $1000 per month, 12 months means the underwriter can pay $12 000.00 to the insured.

Claim for flood damage to a property

  • Stay claim, the insured shall make a police report first.
    Then, immediately inform the agent or insurer via telephone follow with an email to them.
  • Any unreasonable delays may prejudice your case. If the invisible agent isn’t available during the critical moment which quite a true fact in Malaysia, go straight to report back to the insurer directly.
  • Don’t ever seek or consult over the cafe with friends or acquaintances for an opinion.
  • Don’t waste your hard-earned money to hire rent a lawyer. As it may be a straightforward case, not a liability whereby you need to attend a court hearing.
  • Liaise with the independent adjuster arrange by the insurer, allow them to have a radical inspection of the entire scene, invite their approval for any minor repair to mitigate further loss.
  • Study closely the entire policy with the insurance broker for any exclusion of an excess clause. Any doubts please ask the insurer’s advice.
  • Take a video clip of the damaged item for the adjuster inspection. Keep all the minor repair receipts. The video clip is of utmost importance for the claim dispute.

Summary on Claim for Flood Damage

  • Duly completed sign original form with the repair invoice to the insurer and replica to the adjuster to expedite the claim. 
  • You make sure to have the acknowledgment of receiving the whole claim document by the insurance company. It is to avoid undue delay of not receiving your claim file.
  • Don’t sign any counteroffer by the insurer unless you’re fully satisfied with the ultimate claim.

Lastly, You’ll read more on how to claim flood damage for a property. 

How to Live in Paradise with Cash Endlessly

How to Live in Paradise with Cash Endlessly

How to Live in Paradise with Cash Endlessly

Extraordinarily insane, you would say the tile. In the first place, is it attainable? Had you ever read the book” The millionaires next door”. That super-rich lives in a frugal lifestyle sleep with a pile of cash sleeping on the pillow. In fact, they are living in Paradise with plenty of leisure time and traveling around the world, and of course, Cash. Indeed, the cash is King, with a tap of flow out cash endlessly. Let us unwrap the secret, there is no concealment.

How to Live in Paradise with Cash Endlessly


As can be seen, by yourself, what are you doing in the morning from Monday to Friday? Sadly, you would answer,” prepare to beat the traffic jam or stuff in the packed sardine train or bus compartment.” Is that what you have in the thought and learned in school or university? Anyway, we cannot blame you, but our education system.


“Oh, my dear, study hard and obtain a flying color result and find a good remuneration job when you are graduated” Does this statement ring a bell to you. ” Countless time” you reply.


Now, raise the question,” Do you want to live in Paradise with cash endlessly?” “Yes,” even the dummy would reply to you.


But, why are you still live in fortnight paychecks? You graduated with an Honors degree from an ivy varsity. Do you that Marketing is the highest reward career. In a nutshell, even corporate CEO rise from the Marketing Department.


Fear to talk to a stranger: Do you fear to ask a stranger when you cannot locate a place?


Job Security: Do your letter of appointment stated you are hired for your whole life?


Promotion: You determine your fast promotion.


Now, comes the serious question:-” what is a career”


Be own entrepreneur/Consultant

In the first place, had you ever think of setting up your own business? What is the initial capital outlay? Astonishing, it requires a vast sum at the beginning. Moreover, not to mention the numerous licenses need to apply. Time-consuming, isn’t it so? Furthermore, you need to burn some of your saved money vanishing into the thin with a few sales. Sadly to say, it cannot even cover the overhead expenses like maintenance fee, electricity, water, and wages.

Overall, you need a few years to have a breakeven that is speaking from own experience ventured into a logistic company over a decade. I did marketing followed my own lorry driver canvass from shop to factories. Helped my driver to load the cargo to gain 1st hand experience. Not to mention the working under the sultry hot sun with fast exhaustion, but also cultivated my determination and persistence in life.

“You are stupid!” “Why don’t you operate a retail shop? No sunburn and enjoy the cool breeze of the air-conditioned. Yes, this is true. I totally agreed with you.

However, do you think the customer will flock to your shop daily for a transaction? Are you an established brand store with a lot of cash flow? How long can you compete with them? Not only that, can you compete with an online store with a rocket bottom set up fee with the one-man show? Likewise, in the same manner, people prefer to buy online with good delivery at their door, avoid traffic jams and prickly heat.

But not to dismay, there is always a silver lining in the gloomy sky.

Why Marketing Industry – live in Paradise with cash


I closed the logistics company after ran over a decade. Of course, I did make a little fortune. The scarcity of honest and industrious driver couples with the raining toll cost. Moreover, it requires high maintenance of a fleet of Lorries, in addition to the stress in the wee hours of the morning.

“Boss, the lorry breaks down with a full load of cargo, please sent a spare lorry to transport the said to the port.” The driver’s call really drives me to nut interrupt my sleep.

Beside, ran a transport, I also did Corporative Marketing for a general insurer. I quitted the 9-5 job as a Business Development Manager after 5 years becomes a full-time marketer in the 1998 Asian Finance Crisis. Alas, I find out I could not recruit agents like the Life insurance industry. How sad!

I called and met my mutual fund consultant, without any question, I signed up with him in late November 2002, and sat he written examination in Dec 2002. A month later became a mutual fund consultant. The rest is history.


Flexible working Hour

I kissed the traffic jam forever goodbye. Gone are days earlier morning rush to beat the congestion hour. Moreover, most of the customers would busy with daily work with a tea break at 10 am. I plan my appointment schedule. I closed sell easily at the lunch hour or tea break, very informal style, In the case of marine or fire mega risk, I require to do with a quotation and a few follow-ups.

Financial Independent

In fact, most of us are a moron in finance aspects. Financial savvy is indeed lacking among the elite group of society like those professionals. Engineer, professor, lawyer and underwriter like me included. I was a dummy too. After closing a marine case, I dashed to purchase a Canon Camera with lens and accessories amounting to more than RM50k, and some spare went for a holiday for shooting. Not to mention the Sony video tagged along.

In the end, mutual or unit trust thought me never purchased a book written by a finance professor, it is all theory. In the same fashion, if they are so knowledgeable, why they still teach in the U. Don’t ever listen to their noble excuses “Because I like to impart knowledge”. Absolutely B.S! In fact, a mountain of mortgage debt to cater for even they retire.

So, what book you recommend to read? Look for a book by those authors who once broke and later raising up millionaires. Like books such as written by Robert Kiyosaki and Donald Trump “Why we want you to be rich”. Equally important is the books written by Tony Robbins for positive energy vibration to your brain. It transforms you from a pessimist to optimist.

Then, again, don’t venture into the share market unless you mastering the hedge fund. Your individual capital is a tiny drop of water in the ocean in comparison with the hedge fund player. Be wise; don’t fight with a sword with a bomb.

Types of Income

Frankly speaking, you toil hard for your company. How many types of income you entitled. Namely, you reward with a monthly salary, bonus, and allowance incentives like shift, meal, and transport. But in mutual, they are 8 kinds of income namely, commission, override commission, break bonus, parallel bonus, group bonus, year-end bonus, group overriding, and lastly the most important monthly career benefits. Uniquely, the career benefit only avails in the mutual trust industry, absence in life insurance. So, they are 8 types of income stream flow in your pocket.

Equally important is the career benefit, it flows cash endlessly even though zero sales for the whole year, so you can live in paradise. Which sectors pay you that? Just like the Cantonese saying “Where do you find edible frog jumping in the street?”

Publicity Announcement for Recognition of hard work

Ask yourself this question, “if you achieve your target” What your company rewarded you. “Just a trophy”

How to Live in Paradise with Cash Endlessly

But, here in the paradise living, they recognized your effort with incentive free oversea trip and publicized in the local daily newspaper with name and your image. Practically, you bring nothing except your body and personal items, the rest are catering for you with five-star services with ample delicious food. Of course, they dedicated travel guides to plan your smooth seamless tour. Plenty of leisure shopping time, you can shop like a fifth rich tycoon without the blinking of your eyelid. In fact, I added a few kilos in my belly in such a trip.

Loan Subsidies

To say nothing of, do you establishment gives loan subsidies with no string attached the tenure of working period. “Fat Hope, you can fly kite”.

In paradise living, you are giving 6.5% and 5% respectively for housing and car loan. Range from Rm100K the minimum to Maximum of RM 1million for the house. Depending on your ranking Agent supervisor maximum allows it is RM200k. Agent Manager RM500K and lastly the Group Agency Manager of RM 1million for the house.

The Car subsidy gives RM50K for supervisor, RM100K for manager and RM150k for Group Agency manager.

With the surplus cash, are you not living the paradise for up 70 years of age for a house and 10-year loan tenure for a car?

Noble Job

When you work for other people, you have enriched your owner getting rich, while you are getting poorer. Permanently disablement or bedridden, terminated is the only option for you. What a tragedy, your hard work in the past not appreciated. Is that so-called job security for life?

In paradise with cash flow endlessly, the public needs your guidance for financial savvy and freedom financially. Depend solely on active income is not financial freedom. Again, I narrated my own experience, I almost in bankrupt stages when I joined the industry with ¼ of million in debts. Never trust or greedy. Saves a little and invest in the heyday. Spend all the hard earn commission for the endless desire to want. That was the reason for my downfall.

Through unit trust and coupled with the practice of positive energy vibration learned from Master Tony Robbins. 4 summers lapsed; I purchased a house in cash.

Likewise, in the same manner, I guide one of the investors instead of saving in Fixed Deposit but invested in the unit trust. 8 years later, he purchased a condominium in cash at Johor Bahru. Not to mention, there is a surplus equally the same amount of the condominium price, isn’t it a noble job.

Training & Development

No matter, how skillful in your job, you need constant training. Otherwise, you are obsolete like the Kodak Film. Equally important in the mutual fund industry, always update the knowledge from the technical aspects to human touch. As we can see from the smartphone, it keeps on rolling out a new update version of new generation gadgets. Not to forget the digital apps application download from the company.

Invite the fund manager to share and update information, not only to a consultant but also to the unitholder. The company also paid generously to prominent outside speakers to spur the motivation in human touch and relation to consultants? What else could we ask for?

Be it a workshop or seminar, with full participation the consultant. Indeed, a joyful session.



If you are the department upon retirement, can you groom your child to take your position? Absolutely No, unless you work for your father company or you own, am I right?

But in this sector, you are grooming your child to take over your position even with a high school certificate for Group Agency Manager.

Unfortunately, if you are unable to groom your kid in time, but you’re next of kin would allow enjoying for cash flow endlessly for the next 5 years based on Nav. In the same way, will your boss treat you this way?


Build up Net asset value for Passive Income

Net asset value is the meaning. When your unit holder invests in a mutual fund, over the year, the accumulation unit of growth, despite the price is down.

Let us say the initial investment of RM100K with 25 cents per unit ignored the sales charge here which is insignificant over a period of 10 years. Thus, 400K units cost with an average price of 25 cents per unit. With distribution payout, initially, he 400K units accumulate 4 million units over 10 years period. Currently, the fear assault of the Covid-19, the price drop to 10 cents per unit. Unlike in the stock, unit trust, the longer you keep, the capital grows. Thus 4million unit x 10 = RM400 000.00. From 6 months later, you are enjoying the career benefit of monthly passive income endlessly without fail.

How to Live in Paradise with Cash Endlessly
How to Live in Paradise with Cash Endlessly


Gradually, your net asset values grow tremendously if the unitholder leaves for 30 years and later on passed it their children or grandchildren without any unnecessary redemption.

How to Live in Paradise with Cash Endlessly

No surprise, some top leaders earning more than RM100k from the career benefit of passive income. Indeed they are life on Paradise with cash flow endlessly.

Finally, could you buy your house in cash like those wealthy guys? Action speaks louder than a word, please call or WhatApps me now as shown in the video, so that you can live in paradise in cash endlessly.


Call or Whatapps Now + 60 013-7839857 or email me at [email protected]

How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?


Leverage Time for Passive Income while Working. So, now, any passive income ideas. Does anyone know?.   Uniquely, the rule of 5 implies that 5% of the fifth billionaires control 95% of the world asset today.  It fact, they have multi-sources pf passive income, Similarly, the balance of 95% world population owned a miserable 5% of the world’s wealth. Why is that so? A point to ponder, why this could happen to us, you asked. Had your ever rubbed shoulder or mingling with those billionaires or ambassador or even royalty for dinner or talk? I did. Having to say that, you hear the saying bird of the same feather always flock together, had you ever did that?

If not, why not starts it today tries to rub shoulder with the tycoon to get some of the fortune luck on you. Anyway, it would not cost you an arm or leg, remember the maxim goes “nor venture no gain.”

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

Years ago, I had an opportunity to have a chat with a Billionaire in celebration in the Taj Mahal at Bombay. My perception of the super-rich tycoon has erased, they are just like ordinarily folk on the street, down to earth humble and witty. They well versed all in any subject, and fully equipped with a sharp focus mind. Later on, he cordially invited to his tower block showroom, with his chauffeur in a limousine at the airport. In fact, I was then a varsity student who followed up with the first encounter at the party.

Friends, go all out to have a chat with them and you would gain practical firsthand knowledge which not taught at the ivory tower. By the same token, their advice is very useful in our future in career advancement or entrepreneurship.

How to Leverage Time for Passive Income while Working?

1st Lesson on Leverage of Time for Passive Income

Of course, the 1st lesson I learn from him, leverage your time. Remember that, our leverage prime is a peak at 30 plus, it is the optimum time to venture into business. Otherwise, the middle-aged man range from 40 + has no guts for business venture gradually diminishing. Our vision merely left with the comfortable and blissful home image of raising the kids. By the time, we have passed a half-century mark; the adenine spirit completely already gone. Followed by another decade, with a sickening body, do you any energy left to venture out your comfort zone.

With one leg above to step into a grave, do you have many summers to come? After retirement, enjoy life with friends or family members. Doubtfully, some fight for their lives in the ICU of the hospital or old folk home or even worse ash to ash. Again is the called life living with a purpose?

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?


By virtue of the fact, each of us has only 24 hours a day, another 8 hours of sleeping, 8 hours leverage our prime to be a money slave or your boss printing money machine. Meals time occupy at least an hour a day for a comfortable 3 meals, travel time to work consume 2 hours or even more than 3 hours depending on the city or town you are living in. The daily routine occupies another hour, how much time left to spend with your love? In reality, your gadget like a smartphone steals away your precious time for no less than 2 hours a day. Is that the life you desire for?

Honestly speaking, you are another zombie or robot living aimlessly without tomorrow. If you don’t change your mindset the way you are, in the pathetic situation. Nobody will! It is never too late to start, better late than never!

How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

Use Money to Buy Time

In the first place, we are the entire milking cow to the owner of the company. Likewise is the same to your superior often we refer as “boss”. How much is your secret remuneration versus final the profit taking by the real owner ratio 1: 10 or 100? In like manner, if your wages are $1000 a month, you have indeed enriched the owner with another $10000, or even $100,000.00. Isn’t it sad?

You sell your prime time or youth to them, you received a peanut reward by the month-end. Not to mention the stressful working that leads to the long term illness like heart disease or paralysis or bedridden. Is that your ultimate want?

It is an active income. If you sick confined to a nursing home for 2 years, do you have a good Samaritan continue paying 2 years wage to you or issue a walking letter?

By the same token, can we copy the successful people with wealth and plenty of leisure time, do whatsoever they please? Yes, we can. Likewise, we duplicate the style by using money to buy time to our own advantages. Scrupulous, you would say. But we can do it legal timely and consciously in this unfair world. But how you ask? Ask, is the simple advice. Use your mouth to ask the wealthy people if you have the chance. If you an introvert person, please read the book by American President Donald Triumph, “We want you to be Rich” Have you find the answer you should.

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

What is Passive Income?

What the heck with Passive Income? Do have any monthly passive income without working while you are on holiday or even sleeping? Do you have multi-stream of passive income of which you are not actively involved? The old way of derived such from rental, dividend yield from stock and lastly the interest from fixed deposit.

In light of the digital era, passive income has a new evolution like earning via affiliate program like Amazon, and they are thousands of such link. You can set up your own website or blog or even social media like Facebook, Twitter. To build a website is by no mean time consuming and require an in deep knowledge of the WordPress. But don’t worry, money can do the work for you, outsources to Fiverr at the friction of a one-month smartphone bill. The basic website you should for a start, more comprehensive as the times go by. Remember the maxim goes “Roma was not built in a day”

Passive Income Idea via Drop Ship

Likewise, it is identical to building an e-commerce website for the dropshipping store. Would you shock to learn that a marketing genius named Ben Francis at the age of 19 in 2012 founded at his mother’s garage? He was a drop Out from Aston University. moved from a failed e-commerce platform to Shopify. In 2019 it has since posted nearly $130 million in sales. With a 50% net profit margin, that translated into a whopping $ 65 million a year. Isn’t that astonishing and incredible earning with just a laptop traveling around the world?

Overall, drop-ship or e-commerce platform is a trendy phenomenon now, you either join the crowd or consequently phased out by the wave of time.

In fact, successful people dare to dream, failure is the next step to succeed, never give up, with determination and persistence. Darkness soon vanished, bright sunshine awaiting you.

As shown above, it could be a pipe dream for us. It is possible, not a miracle. In the Artificial Intelligent period, people earning billions of dollars in such a short span of time. To name a few, Amazon founder Jeff Bezos and Jack Ma of Alibaba.

How to Leverage Time for Passive Income while Working?
How to Leverage Time for Passive Income while Working?

How to Leverage Time for Passive Income while Working?

So, why are you waiting for, Remember the maxim goes, “Thousands of miles begin with the first step” and also, “No venture No gain”? U can then link to build your first e-commerce platform in the link in the formatted.

No confidence, you can learn the thousand in the Udemy course from the beginner to advanced level. Of course, you can learn at your own pace with no hurry. You name it; they can provide and cater to your specified interest. Moreover, some instructions are extremely great help to students. They take great pain to solve your problem. In addition, the aid of a virtual assistant not to gotten to mention.

Who pays the Bank’s mistakes on fire insurance?

Who pay the Bank's mistakes on fire insurance

Who pays the bank’s mistakes on fire insurance?

Do you have fire insurance on your home? If a fire occurs, who pays the bank’s mistakes on fire insurance?

Who pays the bank's mistakes on fire insurance?

Generally speaking, the working class will always dream to have a roof over their heads. In order to archive the goal, they toil hard from dawn to sunset. In fact, some even do moonlight on several jobs in a day. They save every single penny to purchase their 1st home. They called the modern Zombie living merely eat and sleep. In the same manner, they come out to face the sunshine when they save enough to make the 10% or even 30% down payment for their dream property. Are they happy? Please read on.

Insured’s Call when the bank’s mistakes on fire Insurance

“Mr. Jamin, how come your insurer sent my fire insurance policy to the old address? The building had already demolished.” my relative called me during a fine morning after having my morning 10.00 break.

“Let me check first, I shall call you later.”

“What is the policy number you are referring to? I asked her.

“I do not have such a policy number, could it be you taking a loan from a bank. It arranged the fire insurance on your behalf.”

Yes, it is correct the bank already auto debit my account for the past 3 years on this shophouse.” she answered me with a soft tone.

I was on my way back home on a routine visit to the hospital. I dropped by to read their policy, shocking to find out that the bank for the 3 years making the same imbecile mistake.

Classification of Risk On Fire Insurance by the Bank

Who pays the Bank’s mistakes on fire insurance?

As per attachment here, the policy stating the building is vacant and occupied also the sum insured. But, in fact, it occupied as a shop doing retaining business. Dear readers, let us ponder how could such an inexcusable error made by the bank?

Again, which risk is higher? Is it the vacant shop house or retailer? The answer is crystal clear the retailing business attracts many customers, thus the higher the risk compared with the unoccupied building.

In actual fact, for the vacant risk, the insured pays a lesser premium, higher premium for the retailer shop house. Occurring of fire razed the building to ash, will the insurer pay? The Principle of Utmost good faith shall apply to whom. Is the bank or the insured? In the final analysis, the insurer would deny such a claim.

Insurable Interest On House Fire Insurance

Who pays the Bank's mistakes on fire insurance?
Who pays the Bank’s mistakes on fire insurance?

In brief, Malaysia is a unique country with a different rule and regulation. Thus, the local bank also operated a subsidiary composite insurance to insured its risk. In this scenario, as if the bank taking out the money from the right pocket and transfer to its left pocket. It could be a general or life insurance. Despite the Bank Negara Malaysia gave warning to the bank stating it could not force the borrower to buy fire insurance with them. Nevertheless, it has fallen to a deaf ear, either the bank is greedy to make an excess profit out from the borrower or the insured is very ignorant.

In the same token do bank has any insurable interest in the building when giving out housing loan? Does the bank suffer any financial loss without the building? Absolutely not, the bank suffers loss in the event of borrower default payment. Even the building raze to the ground, the bank suffers no loss as long as you keep paying the loan repayment.

Creditor Insurance for the Borrower

Who pays the Bank's mistakes on fire insurance?
Who pays the Bank’s mistakes on fire insurance?

The insured is still continuing paying the installment even without the existence of the building. The bank providing the credit to the borrower, the bank should issue the creditor’s insurance to the borrower. In the event, the borrower passed away, the bank would suffer the financial loss, as it has insurance interest on the loan amount, not on the building.


The Malaysian ringgit has depreciated against the US dollars about 30-35% coupling with 6% of SST implemented on 1st September 2018. It was inadequate to cover the building that brought from the developer in 2014. The purchase price was RM350 000.00 and the loan amount was RM244 000.00. In 2017, the bank still insured the same amount as before without any upward adjustment. No inflation for the past 3 years in Malaysia? Even the kid knows the answer. When a claim occurs, the average rule of the insurance law would apply. People would say insurer always conned the insured. To sum up, who is the culprit for this mishap?

For the benefit of the layman, it means that if you insured your property of RM500K less the land price of RM 100K from the developer. In fact, the Material cost has risen to a total of 30% over a span of 5 years period. In the event of a claim on total or partial loss of the building, the insurer pays for the 70% final settlement, you absorbed the balance of 30% as your act as own insurer.

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Why Life Insurance, Prospect Avoid you like Plague?

Why Life Insurance, Prospect Avoid you like Plague?

Why Life Insurance, Prospect Avoid you like Plague?

Why buy Life Insurance, Prospect Avoid you like Plague at all cost. Regrettably, the Malaysian life insurance penetration is merely 56% of the total population in 2016. It implied that the balance 44% of the citizen have no life insurance. Or it could be ignorance or let fate decide your destiny. The worst scenario could be an inborn defect, the underwriter rejects their application. Why we have such a pathetic scenario? Blame the pyramid, the insurer, agent and the assured. Sadly to say, all the three bear their share of responsibility.

Not only, had no insurance but also sometimes the insured have the sum insured purchased inadequately. Usually, the average amount is about RM100, 000.00 to RM150, 000.00. With this meager sum, can it feed your beloved one or dependent for 5 or 10 years if one day you forget to return home? In fact, the adequately amount varied between urban or rural living plus also the working spouse or children. Nevertheless, the meager sum insured is hardly enough to last for a year living in the city. Like rubbing salt to the wound, can we survive with 2 or 3 kids in toll for a single parent?

Why Buy Life Insurance.Why Life Insurance, Prospect Avoid you like Plague?

Is it the responsibility of a parent to take care of the children’s welfare when one demises? Very often, we heard the sobbing story of cool-blooded landlord eradicated single parents out from their rental home. Subsequently, like adding fuel to fire, the bank publicly auctions off the roof over their head if you default for 6 months payment. In true fact, the bank often shuts off the umbrella when you don’t have life insurance or MRTA to cover the loan tenure.

The Kid suffer without life insurance left by parent

By the same token, the innocent child is also the victim when one parent remarried. Stepparent often preys on the defenseless kid. Recently, a newspaper reported rape, physically tortured with multiple cut and bruises and old wounds over the emaciated kid body. The police rescued a retarded boy from the evil mother. The shocking reason given, chained the boy like a dog in a small cage preventing him from strolled out. Can your soul be rest in peace if someone does to your child? Unless you are heartless, no human can bear to see the suffering of abusive and inhumane tortured. Even the beast-like tiger does not devour on the offspring.

Why Life Insurance, Prospect Avoid you like Plague?

Expensive to have life insurance policy

In the ever-burgeoning budget of a newly married couple with a kid, indeed life insurance is a luxury item. Coupling with the car loan, parking, fuel and maintenance, insurance and road tax eat up a chunk of their salary each month. Moreover, there is the student loan, housing repayment, utility bill, an emergency fund like a kid doctor bill and a love gift to aged parents. Luckily, if they could have a break-even or a blessing to have a tiny disposal income left for saving. With a tight budget, any extra is beyond their mean and classified as a “luxurious” item like buying life insurance.

Get the Qualified Agent

Needless to say, it is advisable for such a young family to have affordable term life insurance. In fact, it cost merely a daily high tea at a local café. Contradict to the agent not to buy term but investment or whole life policy. If the agent insists on all sorts of reasons, it is time to kiss the agent forever goodbye. Why? As a matter of fact, the agent only bothers their fat commission, not your pocket. What is the chance of a lapsed policy in the due course? Thus the result is about 60%.

In the same manner, if you could afford, what is your opinion you prefer pricey life insurance compared with a bedridden spouse or kid at home to maintain? Death is an instant relief, but the loved ones have undergone lifelong grief. So why turn yourself an irresponsible parent? You could be curse subsequently by those still alive struggling to meet day end need?

I lead a healthy lifestyle, No Need Life Insurance.

Why Life Insurance, Prospect Avoid you like Plague?

Nowadays, insurance agent always complaint is difficult to close a sale with the young and active people. The yuppie leads a healthy lifestyle to visit the gym 5 days a week after work. Likewise, they eat the meal moderately due to health and the utmost important tight budget. How far is that true? We puzzle? Eat junk food like instant noodles with enhanced favor, fry egg and soft drink instead of mineral water or fruit juice? Surprisingly, the diabetics and hypertension suffer gradually knocking at their door.

Therefore, closely examined, the Malaysian demographic depicted young suffer from 30+, which was unknown in the last century. Honestly speaking, how many Malaysians have their yearly completed medical checkup? Toast off to you, if you have a clean report, otherwise, you are an insurable or substandard risk with premium loading.

Why Life Insurance, Prospect Avoid you like Plague?

Life Insurance Cover for Money Printing Machine
Why Life Insurance, Prospect Avoid you like Plague?
Printing US dollar banknotes (100 dollar bill sheet).

An unpredictable human being, in order to understand insurance, might take ages. They insured their movable assets like an automobile, exclusive motorcycle, extensive renovation home, camera, and household contents.

Surprisingly, they insured even pets for fury animals including the kernel, but no insurance for themselves. Rampantly road accidents and armed robbery daily affair, they often pray hard nothing would befall on them. Moreover, no one can predict when you are imminently sick or bedridden or walk on the clutches. Yet, there is no insurance to cover for the machine that prints money for you, that is your body. Gradually, overuse due to wear and tear a machinery breakdown; likewise, it is the same for your body. Consequently, a fatality occurs or lying motionlessly on the hospital bed.

Negative Perceptions

Crowded coffee kiosk, two middle-aged customers sat in between a young man, an insurance agent.

“I lament you not buy any insurance as my neighbor’s son hospitalization for a week in a private hospital, the insurer denied his claim”
“Why” another probed further.
“I do not know the reason for the rejection, initially the agent helped to claim, eventually the agent also unreachable “
“Yes, truly say, the agent and the insurer are the legal license conmen, promise you the sky, finally you get a barren hope.”

“Sorry, young man, I need to consult my spouse before making the decision from buying your investment-linked proposal” Another elderly prospect consoled the dynamic agent.

“Yes, it is alright to reconsider about it, please don’t hesitate to call me for any doubt clarifications” the agent replies politely.

Thus one rejected claim would eventually rumor spreading fast like wildfire.

The truth reveals

Occasionally, the half-baked agent would request the assured to sign on the dotted line without filling the medical history. In order to get prompt approval, the agent ticked all NO in the column even though assured mentioned has hypertension and on long-term medication. Whose fault? It is the Assured himself as he does not know anything when he blindly signed the dotted line on the proposal form. The former kleptocrat Prime Minister Najib Razak is a shining example.

Assured’s moral hazard

I did help to claim a case rejected by the insurer. Finally, to my dismay, I obtained a hospital report that assured did a kidney stone removal in a government hospital. When asked by the agent any operation done in the past. He negatively answered NO. Consequently, the insurer denied its liability for his claim on kidney dialysis.

Another case on hypertension question, nevertheless, assured answered negatively despite the fact of having daily oral medication. Eventually, the claim often denied by the insurer when a claim on stroke or kidney failure on the later stage.

Why Life Insurance, Prospect Avoid you like Plague?

Utmost good faith on Life Insurance

Utmost good faith is one of 4 principles governed by the rule of the insurance law. It is a legal binding between the assured and insurer when entered into an insurance contract. The assured disclose all the relevant material facts to the prudent underwriter in determining to reject or accept the offer. Whether the assured know or unaware of the health condition, you need to disclose to the insurer. So, sincere advice bares all the facts to the insurer to avoid future disputes on claim matter.

No Dependent

Generally speaking, couldn’t care less is the altitude of most of the y generation. Chase after the latest trendy iPhone gadget every six months. Moreover, priority on holiday, pay later for the credit card payment. Buy Life insurance? Why need it, I have no dependent is a tangentially reply? Single with no string attached, without any family commitment, no parent, no sibling, living on own world, why care! Having said that, what about your final funeral expense consequently let the government take care of burial, or leave the corpse to decay on the road or hospital? Perhaps, perform a unique Tibetan “sky burial” let the eagle devour on your corpse.

Notwithstanding, if you have a grey hair retired parent, it isn’t a double pain for them. Losing one child, and the final expenses, ritual prayer, and burial ground to pay for? Unfortunately, the doctor confirmed you as total permanent disability, aren’t a pain in the neck hiring a nurse or long-term nursing for you. Conversely, put you in the nursing home, who pays for maintained expenses?


Why Life Insurance, Prospect Avoid you like Plague?

No money is just a lame excuse to put off for the newbie’s advisor. Regardless single or a young married couple is a norm form of getting rid of intermediary. Or postponed, the chance is they procrastinate for a few more years. Luckily, the body has no red alerts for silence sickness. Meet a car accident, then you want to cover your car for a comprehensive term, do you think insurance company run on charity and accept your offer. Blatantly, the insurer you turn down your offer. But in the true fact, the majority of the insured have this kind of weird idea. I have stumbled across a few incidents like this before during my 25 years in the insurance industry. Does the insurer run on charity? Please answer.

Time and Tide wait for no man

Overall, we aged with the erosion of time, coupling with consumption of highly toxin junk food daily intakes. No wonder primary school going kid had undergone kidney dialysis at the public hospital. A normal phenomenon is today’s society with a stressful lifestyle chasing after material gains. The insurance premium gradually rises accordingly to your age. Not only the higher premium pay but also lower the sum insured if we compared a lad aged 20 and another 30 years old adult. As we age, we are prone to illness due to our sluggish immune system.
In brief, please buy insurance when you are in your youthful vigorous year to save cheaper premiums with a higher sum insured. You can even apply for term insurance for a 10 years gap band.

Jargon wording with length sentence

How many lawyers and layman can you consult and understand and interpreting sentence by sentence in the insurance policy? Nobody trained in all fields; therefore no one is an all-rounder in this world. Diligently consult your agent or even bring the policy to the insurer for a full explanation. Closely examine the following point, you would face difficulty in handle a claim in the near future.

Exclusion Clause

In this column all the sickness or any circumstances relevant contradicted to the policy, the insurer would deny its liability. For instance, commit suicide within certain years or claim on pre-existing illness know to the insured. Please highlight to the assured when delivery the policy for acknowledgment of the receiving the policy. Do not conceal the fact, it is better to avoid short-term pain rather finger pointed out how irresponsibility of the consultant.

Inception Date

The policy enforced with the date clearly printed out and the expired date of the policy. Commencing date is of utmost importance in the case of medical or 36 critical dreaded disease claims. Never overlook it. Frequently, assured would hospitalize for an illness, and bravely ignorance the waiting period. Subsequently, no entertainment of the claim, the assured would spread the rumor that insurer selling a scam policy, even though the default lies with assured. Sabotage the agent, branded you feckless advisor, and tarnished your name.

The schedule

In this schedule, your name and identity card number should spell accordingly to your national identity card. Correct the error immediately should you spot a mistake. Thereby, the insurer has no leeway to deny your future claim. Do not give the underwriter a chance for your consumer’s rightfulness claim.

Highlight the type of coverage, whole life, endowment, term or investment link or purely medical card policy. You need to aware of the total permanent disability, 36 critical illnesses, and waiver of premium due to dreaded disease or the payor. Any hospitalization benefit per day, woman disease and pregnancy admission specified according to your signed proposal form. Scan any deviation, informed the agent in a written form and ensure the insurer to pass endorsement accordingly. Finally, you made a note of the sum insured in the schedule.

Stated policy Number in the claim form

Stated the policy number in the policy for convenient correspondence with the insurer claim, when ledge a claim in the future or an endorsement. How much premium you have to pay? Assured need to warn adjusted premium during the duration the whole validity of the cover, not to forget if the medical card guarantee renewal clearly stated.

Buy peace of mind coverage

Why splurge an exotic meal under the candlelight dinner or exorbitant family oversea excursion. Or perhaps the endless chasing the ever change the latest gadget every six months. Why not paused and think for your loved one when one day you lose your way home? Get a policy coverage that ensures all the financial constraints would not befall the ongoing family.

Your Thoughts

As usual, I would love to hear any thoughts or questions that you have in the comments section below.

How to Buy the Right Home Insurance and Typhoon Damage?

How to buy the right home insurance and typhoon damage?



How to buy the right home insurance and typhoon damage?

Typhoon Hagibis – which means “speed” in the Philippine language, Tagalog – was the most powerful typhoon to hit Japan in six decades. In fact due to the fast climate change over a few decades, mainly, clear the jungle for human activities. Human greed like the planting of oil palm in Indonesia and the cattle rearing of Brazil and Argentina has deteriorated worsens the Mother Nature. The typhoon occurs too frequently with more severe impact damage to property. Now, the question, do you have the right home insurance and typhoon damage? Have you examined closely the right home insurance for typhoon damage for your own policy?.


How to Buy the Right Home Insurance and Typhoon Damage?

Malaysia by nature typhoon of its location, we never or seldom hear about the typhoon damage to our home. But, lately, the Mini-tornado strikes Kedah villages; 20 houses damaged. Thus, we must on our toe, and not sit on laurel anymore. 
Generally speaking, most of us talk about home insurance; what we mean is the basic fire or house owner insurance. Equally important is the home content policy. Usually, we forget about the home content coverage, we either ignored it or have no knowledge about it. 

Buy the Right Home Insurance and Typhoon Damage?

2 Types of Home Insurance cover typhoon damage

Property insurance – Designed to insure the physical components of a building/domestic e.g., walls, roof, flooring, and so on. During the signing of a loan offered by the bank, we have to sign this form of coverage in order to secure a loan. The sum insured depends on the quantum of the loan amount.

Homeowners insurance – It covers the contents of a home e.g., furniture and fitting, electrical appliances, personal objects, and all the home contents items
Uniquely, both the plan will cover storm or typhoon damage. Of course, like some other kind of insurance, there is differencing coverage between these two insurances. Thus, it’s far especially important to examine closely or understanding the contents of the policy coverage. 

How do I know to buy the right home insurance and typhoon damage?


How to Buy the Right Home Insurance and Typhoon Damage?

There are a couple of ways you can discover whether the policy covers your property. Either the house itself or its contents damaged by the typhoon or storm tempest that strikes the hazardous area.

First Way buy the right home insurance and typhoon damage

Firstly, the detailed schedule you need to fully grasp the actual meaning specified in the policy. This content highlights the detailed coverage in the event of loss and damage to your property or content. Furthermore, any additional excess or deductible with the amount of which the insured has to pay in the event of a claim. 

Not only had the schedule closely examined by yourself, but also not to forget the Exclusion Clause. It listed down all the items the insurer is not liable during the loss or damage. If you are feeling that you had to take for a ride by the underwriter, you can renegotiable directly or via an intermediary. Of course, the company would very happy to oblige the request provided you are willing to pay an extra premium to delete the exclusion item. But nevertheless, the removal is done by the improvement of the house. For instance, use concrete slab mixed with steel for the piling the foundation during construction to avoid the typhoon uprooted the whole building. 

How to Buy the Right Home Insurance and Typhoon Damage?
The second way to buy the right home insurance and  typhoon damage

The second way to discover whether or not your coverage covers typhoon damage to your property and contents is to liaise with both the insurer and dealer directly. For example, use a reputable broker to customize drafting the policy until your satisfaction.

In the final analysis in regard to the policy understanding, the main important factor is to ensure you had the coverage for typhoon damage to property and contents. After all, it is pointless to cry over the split milk after realize you do not have the cover when the typhoon or storm strikes your nest.

5 points for Typhoon damage for right home insurance


How to Buy the Right Home Insurance and Typhoon Damage?

1. Be aware of your insurance limits
The maximum domestic insurance coverage will cover damage caused by typhoons. As a matter of fact, the insurer will not entertain all your claim submission, it implies that the company pays the entire claim. All insurance plans sold include a set of claims limits.

For example, if your house insurance with a sum insured of US$ 2 million in overall damage. It the typhoon strikes and damages the house amounting to US$2.5 million. The balance of half a million shall be borne by you as if you are acting as your own insurer.

Likewise, it is the same for the coverage of your home contents. There are typically express limits stated in regards to loss from a natural disaster. In light of the technical jargon wording in the insurance policy, it is best to read and analyze all the policy wording that is a crucial factor in the event of a claim. By the same token, pay close attention to the wording of the policy. As some coverage include a separate restriction associated with natural disaster and insurance claim limit.

2. Certain Losses do not cover by typhoons damages

A large quantity of home insurance especially those built in the flood-prone zone with routine flooding. Usually, the insurer will not grant you coverage on the occasion of a flood. Similarly, if you’ve built a house in a flood-susceptible place and coupled with a typhoon causes flooding, no coverage for your home. In most cases, the insurer will bear in mind these claims on a case-by means of-case basis. 

Furthermore, the landslip is an exclusion clause. The typhoon often accompanied by heavy rainfall within a span of time. Thus, with water gushing down in volume, there is a greater risk of muddy landslip along the steep slope area. If that occurs the landslip damaged your house and contents, the insurer will deny your claim. 

How to Buy the Right Home Insurance and Typhoon Damage?

3. Contents in outdoor will not cover 

In homeowner insurance, all the contents stored outdoor will exclude. For instance, if you store the BBQ set or washing machine on the deck, porch, rooftop patio. The typhoon blew away all the contents, your loss will not entertain by the insurer. 
Likewise, it is also really worth noting here that some property insurance guidelines exclude outside fixtures too. As with everything else here, it is advisable to review your policy files to make certain you realize the exclusion.

4. The insurer, not cover your negligence damages or loss

All in all, your private home has exclusion states that if the damage is resulting from, or attributed due negligence then any claims. If you let your windows open throughout a T10 storm and there may be critical water damage to property or contents, the insurer shall deny your claim. 

How to buy the right home insurance and typhoon damage?

5. Other home insurance alternatives

As stated above you can combine with various types of home policies to make up home insurance. If you are intending to buy a policy to protect your home and content, please be sure to contact us in drafting a policy to your heart content.

How to Buy the Right Home Insurance and Typhoon Damage?