https://www.facebook.com/100126295040011/

Jin Yee, Petaling Jaya (2026)

12/07/2026

Good morning. 😊

Not going to pretend this Monday feels like a fresh burst of energy. Last week was full & this week is already lining up to be just as packed. There is a business trip coming up, preparations to get done & a to-do list that seems to grow faster than I can cross things off.

But here I am. Showing up anyway.

I think that is what most Mondays actually look like for a lot of us. Not a grand reset, not a motivational moment. Just a quiet decision to keep going because the work matters & the people we do it for matter.

So if you are also walking into this week a little tired, you are not alone. Let's get through it together. 😊❤️

09/07/2026

I would not call myself a durian fanatic. But put a good Musang King in front of me & somehow I will always find room for it. 😋

Earlier this week, our management & admin team got together for a durian feast after work. Nothing fancy. Just a table full of durians & people who were happy to be there.

There is something about eating durian together that no other food can replicate. Everyone has an opinion. Everyone gets a little messy. Nobody is trying to look proper. Management team & admin staff, all sitting together, hands full, just enjoying the moment.

No need dinner. The durian was my dinner. 😂

Musang King lovers, where are you? 🙋‍♀️ And if durian is not your thing, I respect you. But also, more for us. 😄❤️

08/07/2026

Most employers who set up employee benefits start with Group Hospitalisation & Surgical (GHS). But there is another component that sits alongside it in a complete benefits package, Group Term Life (GTL).

GTL is straightforward in what it does. If an employee passes away or suffers total permanent disability while under employment, a lump sum payout goes to their nominated beneficiary. It is not about hospitalisation or medical bills. It is about making sure the employee's family is not left financially stranded when the unthinkable happens.

The sum assured is determined by the employer, either as a fixed amount or as a multiple of the employee's salary, depending on what the company decides to put in place. The premium paid by the employer may also qualify for tax relief.

One thing worth knowing as an employee. GTL coverage is tied to your employment. The moment you leave the company, the coverage ends. It is a meaningful benefit while you are there, but it is not a substitute for having your own personal life coverage in place.

If your company already has GHS in place, it might be worth asking whether GTL is part of the package too. The two work best together. 😊

07/07/2026

Last week I was invited to a lunch session with the Structured Trade Credit & Political Risk Takaful team from EXIM Bank. I walked away genuinely impressed by something I had not come across before in this depth, Trade Credit Takaful.

Here is the simple version of what it does. If your business sells goods or services on credit terms to buyers, whether overseas or domestically, there is always a risk that your buyer does not pay. It could be due to commercial reasons like insolvency, or political reasons like trade restrictions or instability in the buyer's country. Trade Credit Takaful protects your business against exactly that, the risk of non-payment of trade debts. And unlike general trade credit products available in the market, EXIM Bank's coverage actually includes political risks, something most private insurers exclude entirely.

Because EXIM Bank is a government mandated institution set up to support Malaysian companies in expanding their business, the government subsidises 30% of the contribution payable. So if your contribution is RM10,000, only RM7,000 comes from you. On top of that, there is a double tax deduction, meaning 200% of the gross contribution is deductible for tax purposes. And if your actual annual turnover at the end of the policy period is lower than what was estimated, EXIM Bank refunds the difference based on their matrix. This is something private insurers simply do not offer, because their focus is profit. EXIM Bank can offer this because they operate on principles of fairness as a Shariah compliant institution with a mandate to support, not just to earn.

The part that genuinely brought me peace of mind to hear was this. If there is a claim, EXIM Bank pays the business owner first, then handles the debt recovery themselves. The business owner can focus on running their business. The chasing is handled by EXIM Bank, backed by their membership in international trade unions & networks that give them the reach & resources to recover debts across borders.

If your business extends credit terms to buyers & you have never thought about what happens if they do not pay, this might be worth a conversation. Feel free to drop me a message if you would like to know more. 😊

05/07/2026

This is becoming a small yearly tradition for me. The PhillipCapital Investment Conference, and this year marks the 16th edition.

I have come to genuinely look forward to this. Each year, the investment landscape shifts in ways that remind you nothing stays static for long. This year's theme, Rethinking The Rules of Investing in 2026, feels especially fitting given everything happening globally right now, geopolitical tensions, inflation concerns, the rise of AI reshaping entire industries.

What I appreciate most about returning to events like this every year is the chance to sit with new perspectives, learn from people who study markets far more closely than I do, & come back with a sharper understanding to bring into my own conversations with clients.

And this year, a little bonus. I won the lucky draw consolation prize. Two consecutive years now. I am starting to think this conference just really likes me. 😄✌🏻

I always walk away from these conferences with a little more clarity & a few new things to think about. Looking forward to seeing what next year brings. 😊

03/07/2026

Here is something that surprises a lot of people. The exact same insurance plan can cost you significantly more simply because you waited a few years to buy it.

It is not random. There is a real reason behind it.

As you get older, the statistical likelihood of developing health issues increases. Insurers price their plans based on risk, so the older you are when you sign up, the higher that risk is considered to be, and the higher your premium gets.

There is also something called a waiting period, a length of time after your policy starts before certain benefits can be claimed. The earlier you get covered, the earlier that waiting period ends, which means you are properly protected sooner rather than later.

And here is the part that catches people off guard the most. If your health changes between now & when you eventually decide to buy, you might not qualify for standard rates anymore. Some conditions can mean higher premiums or even exclusions, simply because you waited.

This is why the advice to "buy early" is not just a sales pitch. It is genuinely one of the few things in insurance where waiting almost always costs you more, not less.

If you have been putting off getting covered, what has been holding you back? I would love to understand. 😊

02/07/2026

Remember the treadmill that showed up in my living room a while back? 😄

Update. I actually used it. Consistently enough to hit my AIA Vitality weekly challenge target.

And the best part? I just redeemed my ZUS voucher & walked straight downstairs to claim my coffee. 🤩🥤

There is something deeply satisfying about turning effort into an actual reward you can hold in your hand. Not just a number on a screen, but a real cup of coffee that I earned by actually moving instead of just thinking about moving.

Small steps, tracked consistently, do add up. Who knew staying active could come with such good coffee as the bonus.

Have you ever rewarded yourself for hitting a personal goal? What was it? 😊

01/07/2026

Companies that already have a Group Hospitalisation & Surgical (GHS) plan in place usually have HR managing the details well. One small thing worth a quick check though, do the employees themselves know which hospitals are on the panel list?

Most GHS plans employers take up come with a cashless facility, where the insurer settles directly with the panel hospital, and if there is a deductible or co sharing built into the plan, that is the only portion the employee pays out of pocket. Non cashless plans do exist too, but cashless tends to be the more common setup. At a non panel hospital, the process looks different regardless of plan type, and that is usually not the moment anyone wants to be figuring this out for the first time.

Most insurers make this easy to check through their portal or mobile app. It is one of those small details I always make sure gets communicated clearly when I work with a company on their GHS plan, not just buried in a policy document, but actually shared with the people who will use it.

A gentle reminder for HR teams, it might be worth a quick refresher with employees on where to find the panel hospital list, just so it is one less thing to figure out during an already stressful moment. 😊

30/06/2026

Over the years in this industry, I have had people who are not my clients reach out to me. A family member has just passed away, and they do not know who the agent was or which insurance company/takaful operator to contact, but they know me, so they ask if I can check the system to find out whether a policy/certificate exists, whether it is still in force, what it covers & how much the sum assured is. The honest answer is, I cannot. Even though I work in the industry, I am not the appointed servicing agent for that policy/certificate, and due to PDPA, I have no access to check on someone else's policy/certificate details.

This is the part that makes it harder. Even when the right person does find out a policy/certificate exists, the insurer/takaful operator will not just hand over the information to anyone who asks. If there is no nominee appointed, the immediate family needs to show proof of relationship, along with a Letter of Administration or Grant of Probate, before the company will reveal anything. If there is a nominee, they need to show proof that they are indeed the appointed nominee.

This is exactly why the new Semak Kasih portal from Bank Negara Malaysia is genuinely useful. It does not replace any of that process, but it solves a different problem entirely. Before this, families had to dig through old letters, search through drawers & files, or call one insurer/takaful operator after another, and there are so many insurance & takaful companies in Malaysia, hoping to find the right one. Now, you simply submit the deceased's details along with the death certificate, and the portal checks against existing records to tell you which company to contact.

It saves the searching. The actual claims process, with all its proper documentation, still has to happen the way it always has.

According to LIAM & MTA estimates, around 50,000 policies & takaful certificates involving death benefits remain unclaimed in Malaysia right now. That is not a small number.

I have seen this gap firsthand more times than I expected to. If you have lost a family member, even years ago, it might be worth checking. You can find it at https://www.mycoverage.my/en/semak-kasih.

Has this ever happened to you or someone you know, where finding out about a policy/certificate felt harder than it should have been?

28/06/2026

Good morning! 😊

Feeling good today & honestly that is reason enough to smile.

Hope you are feeling good too, whatever that looks like for you. What is putting you in a good mood today? ❤️

Jin Yee

12/07/2026

09/07/2026

08/07/2026

07/07/2026

05/07/2026

03/07/2026

02/07/2026

01/07/2026

30/06/2026

28/06/2026

Address

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category