Three licenses.
One blueprint
for what you're protecting.
Most agents can sell you one company's products. I'm licensed under Bank Negara Malaysia for both conventional and Islamic (Takaful) advice, and under the Securities Commission for investment planning — which means the plan I build for you is compared honestly across insurers and structures, not sold from one shelf.
💰 Also dealing with loans or debt? Try Kira-Kira — my free calculator for debt consolidation, refinancing, SME and LPPSA financing.
Open Kira-Kira →A plan is built in layers — same as a building.
Skip a layer and everything above it is exposed. This is the order I work through with every client, before a single policy is discussed.
How much coverage do you actually need?
A quick estimate based on income, dependents, and existing coverage — not a quote form. Move the sliders; no agent call required to see the number.
Rough estimate only — 10× annual income plus RM50,000 per dependent, less existing coverage. Your real number depends on debts, goals, and existing policy terms.
Message Keith about this gap →Everything I help with, at a glance.
Whether you already know what you're looking for, or want to browse by topic instead of by situation — here's the full range.
Advice built around your situation, not a product category.
What's your situation right now?
Self-Employed & Freelancers
No EPF, no employer medical card. Building your own safety net from scratch.
Read the guide → 02New Parents
Coverage priorities shift the moment a dependent enters the picture. Here's what changes first.
Read the guide → 03SME Owners
Group medical, key-man insurance, and business continuity — planned alongside your personal coverage.
Read the guide → 04Pre-Retirement (50+)
Premiums rise, coverage options narrow. What to lock in before the window closes.
Read the guide → 05First Jobbers
Your first medical card and term policy, sized to a starting salary — not oversold.
Read the guide → 06Families Reviewing Old Policies
Bought something years ago and not sure what it actually covers? Start with a policy review.
Read the guide → 07Takaful Seekers
Want Shariah-compliant coverage but unsure how it differs from conventional insurance. Here's the comparison.
Read the guide → 08HR & Employers
Setting up or reviewing your company's group insurance benefits? Here's how to design it around budget and headcount.
Read the guide →Recent writing on protection, planning, and policy changes.
Medical Card Co-Pay Plans — What the Premium Discount Actually Costs You
Insurers are pushing co-pay riders to keep premiums down. Here's what you're trading away.
Read on the blog → Policy UpdateBudget 2026: What Changed for Insurance Tax Relief
A walkthrough of the revised relief limits and who actually benefits from the change.
Read on the blog → Reference GuideTypes of General Insurance for Businesses in Malaysia
Property, engineering, liability, and business continuity cover — a quick reference for what applies to you.
Read the guide →What actually happens when you reach out.
No pressure, no scripted sales call. Here's the process, plainly.
You send me what you've got
A policy you don't understand, a number from the calculator above, or just a question. There's no "right" amount of information to start with — most people start with less than they think they need.
I map it against the blueprint
Income protection, health, growth, legacy — the same four layers you saw earlier on this page. I'll tell you plainly what's covered, what's missing, and what's simply not worth paying for at your stage.
I show you the comparison
Because I'm licensed across a panel of insurers and Takaful operators rather than tied to one, you see options placed side by side — not a single company's product pitched as the only answer.
You decide, on your own time
No deadline tactics, no "this rate expires today." It's your money and your family's protection — I'd rather you take the extra week and be sure than sign something you're unclear on.
Keith Wong
I work as an independent Financial Adviser's Representative, licensed to place protection and investment products across multiple providers rather than one panel — including Shariah-compliant Takaful options. Clients come to me with a policy they don't understand, a gap they haven't measured, or a plan they've outgrown — and we rebuild it from the foundation up.
Prefer not to WhatsApp a stranger first? Send a message here.
Goes straight to Keith — no auto-responder, no sales team.