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When life has no insurance.....

I sat stressfully at my office buried in piles of paper work and reviewing the endless schedules of meeting when i received a Skype message from my sister Emi. It was merely a reminder for me to attend a medical check up for an insurance policy. I have been ignoring emails and sms's from Mahadi, CIMB Wealth Advisers whom has been pestering and reminding me to go for medical check-up for a life insurance plan that my mother is subscribing for all her children.

I ignored the various requests for medical check up because i knew what the outcome will be. Since 1997, I had underwent various medical check up for all form of life insurance packages or life insurance related saving plans. I had submitted to almost all the insurance companies and had lost tracked of the many proposals submitted (since 1997) i have tried all... you name it... Prudential, AmAssurance, AIA, public and MNI. I gave up applying and attending to any life insurance agents or the now commercially known as wealth advisers.

In 2005, a childhood friend, Al Jazzura previously from MNI, approached me and proposed a life insurance savings plan...... again I thought, but he was very persistent and insistent. Being an old friend, I could not say no.... especially after his assurances ..... He even brought his boss or was it his partner.. that they will speak to their underwriter to lobby for my policy.

He too failed. The policy was rejected and i gave up completely. Since then, anybody from any life insurance or so called wealth advisers whom contacted me... i would just denote, "Don't waste both yours and my time... unless, you can 'guarantee' that you can get my insurance plan approved!".

All except for a few insurance companies rejected my applications for any life insurance related plans. The few that did not reject, imposed a ridiculous high loading for the premium to pay akin of a more polite way of rejection.

When Emi reminded me of the medical check-up requirement, I practically told her it will be a waste of time and money but since Emi was the donor for my bone marrow transplant and being the darling brother that i am, i indulged in her and did my medical check up.

Two weeks later, i received an email informing me the insurance plan was rejected!

The concept of Life Insurance is NOT to provide an umbrella for rainy days. The concept of life insurance was for the insurance company to simply multiply the money paid by the customer from the premium and pray hard (via the underwriter's calculated risk) that you wont fall sick before they triple your money and make more money for themselves... and pay you back in 40 years.

However, if you do fall sick, to the insurance company's dismay, you will benefit from the coverage.

If you ever have the chance to buy life insurance (or life insurance saving plans), signed up now... before its too late... once you are ME.. although it has been 20 years since i was diagnosed to have Chronic Myeloid Leukaemia and although i am cured, I will NEVER be able to get any life insurance coverage.


I was fortunate to be diagnosed with leukaemia before my 18th birthday, hence, the Malaysia government bear the medical expenses (for leukaemia and the Bone marrow transplant) because my father was a loyal government servant... otherwise, we may have to auction our home, car and utilised all savings just for me to undergo the Bone Marrow transplant. The cost of the Bone marrow transplant operation was closed to RM300,000.00. In 1990, the Bone Marrow Transplant surgery was not available in Malaysia.

Ironically, the majority of Malaysian still do not have any insurance planning for their future. I urge everybody to seriously consider some form of life insurance or savings plan before its too late................



  1. You need to have the right coverage when illness or accident comes.


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