WORRIED ABOUT YOUR FAMILY'S FUTURE?
Find The Best Affordable Insurance Plan For You And Your Children That Protects Them Fully.
Through any situation, accident or illness.
Peace of Mind
Sleeping soundly knowing that your coverage stands as a financial fortress between your family's stability and life's harshest blows.
Affordable Premiums
Maintain robust protection without straining your monthly budget, balancing between today's financial and tomorrow's uncertainties
Highly Personalised Support
A dedicated expert who understands your unique circumstances, anticipates your needs, and guides you through every claim with tailored solutions
DID YOU KNOW?
Owning Insurance Policies And Being Truly Protected Are Two Very Different Things.
You’ve probably bought a few insurance policies before from friends and family, and half the time, you don’t even know what policy you bought.
You don’t know how well you’re covered, and if you’re protected when an illness or an accident hits.
You don’t know if your policy covers savings.
In fact, you can hardly remember what your policy is about.
You bought the policy to feel responsible, as if you’re protecting yourself and your loved ones, but the fact remains -
are you really protected?
As Nobody Plans To Fail, It’s Just A Matter Of Failing To Plan.
Many of us buy an insurance plan and never really think about it anymore until something happens and we need to use it.
When that time comes, we realize:
➤ Our policies are outdated and do not cover a lot of illnesses or situations
➤ The coverage is too low in view of the current costs of living and increased hospital expenses
➤ You realize that even with a policy, you still have to end up paying a LOT of money.
You start thinking - why did I even buy an insurance policy in the first place if it doesn’t help me?
That’s most likely because you haven’t updated your policies in years.
Secondly, you probably were tuning out when the policy was explained to you (no judgment here, most people stop listening 5 minutes into the policy discussion)
Can you afford not to have the right coverage?
Life is like a roller coaster, full of ups and downs.
We must thrive in good times and prepare for the downtimes.
Have you ever imagined your hard work disappearing overnight?
When your health, wealth, and freedom suddenly slip through your fingers?
It often starts with an accident or illness that takes away your health.
Then, medical treatments and long-term care slowly drain your wealth.
And before you know it, your freedom (your ability to choose) fades away too.
By then, it’s no longer about what you want or like.
It’s about what you’re left with.
How A Good Insurance Plan Protects You, Your Family, and Changes Your Life.
And you know what… It doesn’t need to be expensive at all.
#1
Access to the Best Equipment The Hospital Has To Offer
#2
Immediate Access To Healthcare
Recovery is like racing against time. Every second of waiting can lead to more complications and greater uncertainty.
That’s why immediate access to quality healthcare matters.
The right treatment, at the right time, can make the difference between a full recovery and a lifelong struggle.
When a crisis hits, speed isn’t just convenience, but survival.
#3
Wealth Protection
Whatever you’ve invested should stay safe.
Your retirement plan and your children’s education funds deserve to grow without interruption.
That’s the power of wealth protection. When life throws unexpected challenges (illness, accidents, or loss of income), your financial plans can stay on track, untouched.
It’s about protecting your future growth, so your dreams continue even when life pauses.
#4
Freedom of Choice
It’s about freedom. It’s about choices.
True freedom comes from having options,
choosing your doctor, deciding where and when to get treated, and even choosing the lifestyle you want after recovery.
Because when finances are taken care of, your focus can stay where it matters most, i.e on getting better and living life on your own terms.
#5
Life with Dignity
For most elderly people or those above 40, the true challenge begins after discharge.
When the treatment ends, life doesn’t just return to normal, it changes.
Living with dignity, especially when you can no longer work or care for yourself, is a true blessing.
That’s where proper protection matters most.
It’s about ensuring you can still live comfortably,
maintaining your independence and preserving your dignity even when illness changes everything.
#6
Peace of Mind
We want to know that we are responsible parents to our children.
We want to be great spouses who keep our husband/wife protected should something ever happen to us.
We also want to make sure our elderly parents are taken care of, that there is a policy that protects them when old-age illnesses or sicknesses happen.
Why Is Now The Best Time To Get Your Policies Checked And Updated?
Support
Most insurance agents don’t grow with you. They sell you a policy, then disappear without offering ongoing support or follow-up.
Updated
Old policies are no longer relevant or are expiring as years go by and the world changes (imagine Covid, Influenza A, and the rise of chronic illnesses)
Affordable
As you age, policies become more costly, so the best time to renew and update your policy is today.
Coverage
Increasing costs of healthcare have risen to the point where RM1,000,000 as a coverage (which seems to be a lot in the past) is no longer adequate today.
Treatments for serious illnesses have multiplied. The longer you wait while hanging on to an old policy, the higher the risks you and your loved ones are exposed to.
Insurable
As you age, new conditions appear. You may feel healthy today, but that will change.
It only takes one accident or one bad diagnosis to completely change your life - physically, mentally, financially.
Can u afford not to have the right coverage?
Make sure your policies are updated.
Your loved ones are covered.
Your savings and funds are secure and do not need to be touched.
Get access to the best hospitals, best doctors of your choice, and the best treatment plans.
Leave nothing to choice, because our health is gold.
Hi, I'm TY
I used to own a café, a dream my wife and I poured our hearts into.
Then life demanded change.
COVID19 hit & MCO landed.
That evaporated our savings fast.
Thankfully, an insurance payout helped us stay afloat.
But the real storm came later.
My wife’s hand was cut badly during a busy dinner rush.
We thought it was minor.
Turns out her tendon and nerve were cut.
Operating Theatre was not available in the Government Hospital
So I rushed her to a private one.
“If you’d delayed any longer, she might have lost her nerve functions”
Said the surgeon.
The hospital bill came out to a High Five Figure.
And with our savings gone, this could have destroyed us.
But thank God, insurance saved us one more time.
I once believed hard working hard alone could protect my family.
But I was wrong.
Being a father and husband is to prepare…
So when life hits we’re ready.
And believe me, life doesn’t hit once. It hits continuously.
Because I’ve lived that chaos.
And I know that me and my family wouldn’t have made it through that without financial planning.
Every Day You Delay Increases Both Risk And Cost.
The Best Timing Is Yesterday. The Second Best Timing Is Now.
Imagine having a plan that not only covers you but also works smart for you.
When your plan is structured strategically, your coverage activates at the perfect moment, right when you and your family need it most.
That’s the power of smart protection.
It quietly works in the background, so when life throws the unexpected, your plan steps in without hesitation.
Have everything summarised on a single page, providing a clear, simple snapshot of your entire protection plan that you can always refer to.
No more confusion. No more guessing. That’s what a smart, structured plan looks like.
Leave it up to us. We will ensure the best, most affordable plan for you and your loved ones, helping to protect all of you through the storms that life brings.
Is This For You?
- Already have complete confidence in your coverage
- Prefer handling everything online without human interaction
- Are looking for the absolute cheapest options regardless of coverage quality
- Have insurance policies, but no one to refer to when you need help.
- Wonder if you're paying too much for coverage
- Worry about gaps but don't know where to start
- Want face-to-face guidance from someone you trust
- Prefer dealing with a real person in your community
- Are ready to finally get clarity on your protection
Why My Clients Love Me:
I could work with many insurers and just compare quotes.
But I’d rather master one - Allianz, Germany’s insurance giant and the world’s #1 brand - so I can help you get the most out of every ringgit you invest.
This Is What I Offer
Deep Company Knowledge
I know optimization strategies most agents overlook.
I understand exactly how Allianz structures its policies, processes claims, and supports families in times of crisis.
That expertise allows me to uncover smarter coverage options.
Predictable Outcomes
I’m confident in how Allianz handles claims because I’ve seen their track record.
When crisis strikes, you need a company that pays quickly and fairly.
With Allianz’s global reputation, financial strength and in-house support, you can trust that your family will receive exactly what was promised, when it matters most.
Real Advocacy
Because I’m embedded within Allianz’s system, I can advocate for you effectively.
I have direct access to underwriters, claims specialists, and senior management. Those are the people who make real decisions.
When your family needs support, I have the relationships and authority to ensure things get done.
Real Stories. Real Savings.
Proven strategies that helped Malaysian families protect more with less.
#1
#1
One check. One life-changing fix.
Jane came to me believing she had solid coverage. For 20 years, she’d been paying her premiums faithfully but never reviewed the details.
When I looked deeper, I discovered her policy would expire in just five years with no option to renew. By then, the likelihood of developing health conditions would be higher, making new coverage either extremely difficult or prohibitively expensive.
Her annual treatment limit was only RM75,000 annually with a RM750,000 limit for lifetime, far below what’s needed in today’s medical landscape, where adequate protection should be at least RM2 million annually and no limit for lifetime.
We acted before the clock ran out. By restructuring her plan, she now has RM5 million in annual coverage that extends well into her retirement years.
A vastly different outcome all because we caught it before it was too late.
#2
More coverage. Same budget.
Steven believed he had already maxed out his protection within his budget.
His policy provided RM2 million in treatment coverage which sounded generous.
But after reviewing his plan, I showed him how to optimize it within Allianz’s structure.
Without increasing his premium, we upgraded his treatment limit to RM5 million, added RM80,000 in critical illness coverage, and included personal accident protection.
Same monthly cost. Dramatically stronger shield.
Steven believed he had already maxed out his protection within his budget.
His policy provided RM2 million in treatment coverage which sounded generous.
But after reviewing his plan, I showed him how to optimize it within Allianz’s structure.
Without increasing his premium, we upgraded his treatment limit to RM5 million, added RM80,000 in critical illness coverage, and included personal accident protection.
Same monthly cost. Dramatically stronger shield.
#2
#3
#3
A plan built for real life
Frequently Asked Questions
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The Time Is Now!
Your Investment?
The call session with us is completely free, we do not hardsell and there is zero obligation to buy from us.
We give you our sincere recommendations and we believe in clear ethics and the client’s right to choices, so you are free to decide if you want to move on with us.
If we discover your policy is solid, you walk away with confirmation and peace of mind. That clarity is valuable on its own.
If we find risks that need fixing, I earn commission only when you decide to implement the optimization plan through Allianz.
You control the timing. You make the final decision. You determine what fits your budget.
Many families implement immediately because they realize the cost of waiting far exceeds the cost of fixing the risk now. Insurance is always cheapest before problems happen.
But if budget is a concern, we discuss options. The goal is protection that actually works for your family, not pressure to subscribe something today.
© 2025 ARC ADVISORY. All rights reserved. Protecting families with trust and integrity.