Daruma 10 August 2021 Issue

DRAU

10MA

FOCUSED ON
ACHIEVING
OUR GOAL

AGENCY NEWSLETTER
NO. 10 JAN – JUN 2021
AUGUST 2021

FOR INTERNAL CIRCULATION ONLY

Events / Tours COVER STORY

03 Message from the CEO 2020 Grand Agency Builder | PG 12-15
04 Message from the DCEO
05 Message from the CAO 2020 TOP
PERFORMERS
Agent’s Spotlight
PG 06-09
06-09 2020 Top Performers
10-11 2021 Million Dollar Round Table Qualifiers AGENCY PORTAL
12-15 2020 Grand Agency Builder Cover Story
16-17 2021 Nationwide Benchmark Top 5 AFYP NEW
Performers as at 30 June 2021 LOOK!
18 2021 Main Tour - Croatia Qualifiers
as at 30 June 2021 PG 30-31
19 2021 4D3N Dubai Tour Contest Qualfiers
DOUBLE
Recruitment Highlights LEADERSHIP YOUR INCOME

20-21 T-Marine Corp (TMC) Updates PROGRAM IN HALF THE TIME
22 TMC Promotion to UM
23 TMC Promotion to AUM PG 26-27
TM inTUNE
Indian Agency Highlights
Covid-19 Fund Updates
24 Indian Agency Updates
PG 32-33
Training Highlights

25 A Standard of Excellence
26-27 2xT (Double Your Income in Half the Time)
Leadership Program

TM inTUNE
28-29
30-31 T-Marine Pro 2.0 Updates
32-33 Agency Portal Updates
34-35 Covid-19 Fund Updates
36-37 Product Highlights - iMillion
Marketing Communication Highlights

Statistic
38
39 Top 3 Claims by Claim Amount and Cases
Claims

CONTENT & ART EDITOR Agency Business Development Proposition & Pricing
Lim Chui Ling Krishnan A/L Murugam Tay Wen Ying
Nicole Lee Ng Kheng Siang
CONTRIBUTORS Sivakumar Palanisamy
Agency Planning & Support Acturial Department
Chee Poh On TMTDA Yap Tze Juung
Cynthia Chong Celine Loong
Corporate Communications &
Agency Business Strategy Advertising
Chua San Kuang
Eugene Choy Operations
Rachel Chin

JomVaccine Campaign
encourage anak-anak Malaysia

to get vaccinated...

MESSAGE BY CEO

TOKIO MARINE LIFE MALAYSIA BHD.

TOI SEE JONG

Dear agency members, Ensuring Continuity of Service
We hope you are all keeping yourselves safe and healthy. From a business continuity standpoint, we have diverted
our focus on a more virtual approach by leveraging on and
The COVID-19 outbreak is changing everything about life and enhancing our online tools to continue providing uninterrupted
work as we know it. Tokio Marine Life Insurance Malaysia Bhd. support to our customers. We have launched Live Chat for
(Tokio Marine Life) has been extending a number of initiatives policy queries and servicing which is now available on our
to ensure our continuous support to reach out, protect and Customer Portal as an alternative communication channel for
serve our customers during this period. We will continue to customers to get in touch with us.
closely monitor the outbreak and remain to keep you updated
on our company’s latest announcements. Effective March 2021, customers are able to trace their
e-Policy contracts from the Customer Portal and oneTokio
Look Beyond Profit mobile app for their convenience. Customers can now enjoy the
In line with our moto “To Be a Good Company”, our corporate convenience of online autodebit enrolment using eMandate on
philosophy, Tokio Marine Life has proactively launched the T-Marine Pro 2.0 platform, with on-the-spot verification and no
RM5 million Tokio Marine COVID-19 Medical Assistance Fund advance premium required.
on 20th February 2021 to support our customers during this
difficult time. In addition, agents are now able to submit editable PDF policy
servicing forms on behalf of customers on the New Agency
There are 2 initiatives under this fund. The first initiative is Portal.
the COVID-19 Medical Expenses Assistance, which aims
to assist Life Assured customers with eligible medical plans Enabling Digitalisation
with their medical expenses due to COVID-19 Category 3/4/5 As part of our company’s paperless initiative, the Premium Gift
that are referred to any Ministry of Health Malaysia (MOH) Portal (PGP), an automated premium gift purchasing platform
designated private hospitals. was launched to digitalise corporate merchandise purchase.
PGP provides an easy and contact free online payment option
The second initiative is Post COVID-19 Vaccination Support upon checkout to complete a purchase. This new platform has
- JomVaccine, which aids customers with eligible medical simplified the buying process for our shareholders and created
plans who have to be admitted to any MOH designated more convenience for agents.
hospital due to any serious adverse effects resulting from the
COVID-19 vaccination received. This initiative also provides There is no doubt COVID-19 is accelerating the rise of the
Daily Hospital Income and a lump sum payment which serves digital transformation journey. This is also in line with our
as condolence payout in the event of death due to severe side digitalisation goal to reduce our carbon footprint. While the
effects from the COVID-19 vaccine for all Tokio Marine Life company continues to expand our electronic platforms, I
customers. encourage all of you to continue exploring digitalisation to
make our day-to-day processes paperless.
Making a Difference in Our Community
JomVaccine Campaign encourage anak-anak Malaysia With the many changes and adaptations, our company’s
to get vaccinated by providing support for daily income or overall APE Performance as updated in May 2021 grew 31%
condolence payout if any serious adverse effect/event(s) compared to SPLY, which is a good start for this year despite
occurs as a result from COVID-19 vaccination received. Tokio the pandemic. I hope all channels will maintain the sales
Marine Life customers and non-customers are entitled to enjoy momentum to achieve our full year targets.
this COVID-19 vaccination side effect coverage for free upon
registration. Last but not least, I want to thank all of you, our agents who
are working tirelessly for the good of our customers and the
On top of the pandemic, we also need to prepare for our business. These are uncertain times, but we will get through
future and the future of our loved ones. As a service to the it together.
community, we have also launched an Online Will Writing
tool in our Corporate Website, where anyone can make their Please stay safe and healthy.
own Will for free using the simple and easy self-service tool.

3

...continue to improve our
performances and achievement

agile with our theme of

“Bigger.Better.Bolder”

despite the challenges...

MESSAGE BY DCEO

TOKIO MARINE LIFE MALAYSIA BHD.

YOSHIAKI OKABE 岡部 養明

暑中お見舞い申し上げます。 The rationale of the acquisition by Tokio Marine was to achieve
stable underwriting profit and scale. As a global insurer, Tokio
(Summer Greetings to you! ) Marine has been focusing on expanding scale and profitability
of its international businesses as the key growth driver of the
Daruma started its publication in 2016 and this is the 10th Group’s overall performance. Tokio Marine has been pursuing
edition. We have achieved significant milestones in the past organic growth and strategic M&A initiatives in both developed
5 years. TMLM’s total manpower has grown from 2,658 in and emerging markets in order to capture growth opportunities
January 2016 to 5,005 in December 2020. In year 2017, in the global insurance market and further diversify the
we started T-Marine Corp (TMC), a salary based scheme to business portfolio.
cultivate more young generation leaders in the company. We
have recruited the 17th batch (which will commence on 1 July) To survive and thrive, we need to think about what we must do
and developed 30 UMs and 154 AUMs to date. next. We are keen to increase stable underwriting profit and
scale, which can be achieved by the joint efforts of Agency
The journey of digitalisation has been quite challenging for us Forces and the company.
since the inception in year 2016.

However, we have gone through that phase and successfully After more than one year in the pandemic, we must recalibrate
shifted to digital. Now we have achieved the perfect paperless our lives and continue to improve our performances and
process with T-Marine Pro 2.0 and introduced the new Agency achievement agile with our theme of “Bigger.Better.Bolder”
Portal with more features in 2020. I sincerely appreciate and despite the challenges, and we should remain hopeful in
respect all the efforts and cooperation by the agency force in searching for the light at the end of the tunnel.
making this journey a successful one together with TMLM.
Last but not least, I promise that TMLM will continue to do
This is the second year we are surviving not only the pandemic whatever we can to grow together with the agency force. Let’s
but also thriving beyond it. We have seen the changes in our strive together to shift to the new stage with scale, quality,
daily work and adopted to the new normal, as life is no longer productivity, and continue “To be a Good Company” for the
business as usual. Still, pandemic cannot be used as an society!
excuse for failure to achieve our goals or start new challenges.

Please let me share one development in Tokio Marine Group
recently. Tokio Marine Holdings announced the acquisition
of Standard Security Life Insurance Company of New York,
through its wholly owned subsidiary, Reliance Standard Life
Insurance Company in April 2021.

4

MESSAGE BY CAO

TOKIO MARINE LIFE MALAYSIA BHD.

LIEW KIM WAH

Dear Partners, The performances of the above-mentioned achievers together
We are all going through a very trying period with the prolonged with all agency members had improved our agency business
pandemic situation which started in March last year. It continues growth by 38% over the same period last year to register
to bring on challenging and complicated moments in both our RM61.5mil. NB AFYP submission in the first half year of
daily and business activities. But despite these, I am proud to 2021. During this period, the business development team had
see that many of our agency force members have risen above launched a short-period contest in conjunction with my 65th
the rough patches to achieve extraordinary performances. It is birthday as one of the business initiatives. I must thank the
therefore most appropriate that I share and congratulate their agency force leaders, agents and the business team as you
successes with all in this issue of DARUMA: have presented me with a most memorable birthday present
by submitting a total AFYP of RM5.34mil. with 1,391 cases
STAR AGENCY MANAGERS within 9 days! I’m totally touched by your thoughtful gesture of
blending business with personal celebration.
Name Agency Qualification
5 Stars As we are aware, the
ASIA ACE AGENCY SDN BHD ASIA ACE AGENCY SDN BHD manpower growth
started strongly three
EPTS MANSION SDN BHD MAXX Group EPTS 3 Stars years ago when
no less than 1,000
LEE LAI HIM MAXX Group LLH 2 Stars new agents were
contracted each
VINOTH KUMAR A/L KUMARAN MEGA MILLION DOLLARS AGENCY 2 Stars year and our total
manpower finally
BARKAWI RAMULU A/P RAMULU BARKAWI AGENCY 1 Star crossed the 5,000
mark in 2020. However, recruitment in the first half year of
CHEOW NAM FEE MAXX Group CNF 1 Star 2021 has left us with much concern as we have not achieved
the target number of new agents. While it is commonplace
JP GOLDSTONE SDN BHD JP GOLDSTONE SDN BHD 1 Star to ascribe the reduced recruitment number to the on-going
LEONG WAI KEONG MAXX Group GPC 1 Star pandemic, we must remember that life insurance business is
OPTIMUM LIFE PLANNERS OPTIMUM LIFE PLANNERS 1 Star one that could still be conducted even when the strictest of
ADVISORY SDN BHD ADVISORY SDN BHD MCOs was implemented, with the use of digital technology
and tools. We have been relentless in our efforts to promote
POOVANESWARAN A/L THANGAVALU POOVANESWARAN AGENCY (ASIA 1 Star this sales method with enhanced technologies, trainings and
ACE ASSOCIATE) 1 Star even incentives. As staying connected with our customers
is the essence of achieving better performances, it is my
YII MING YIEN YII MING YIEN Qualification advice that all agency members, rookie and senior alike, must
5 Stars embrace the ‘new normal’ way of conducting business by fully
STAR UNIT MANAGERS acquiring the technical knowledge and skills quickly. Do not
be disadvantaged or left out in this competitive but rewarding
Name Agency business!

CHENG KWEE LAN MAXX Group LLH The Company is continuing in its support to the agency
members in managing challenges during the pandemic period
VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD 2 Stars which we trust will be contained with increasing vaccinated
population and strict adherence to SOPs. You would have
GOBINATH A/L MARIYAPPAN ASIA ACE AGENCY SDN BHD 2 Stars noticed that many contests are now cash-based as they
SATHIS KUMAR A/L PERUMAL BARKAWI AGENCY 2 Stars are not only designed to improve productivities but increase
TANG KOK WAI MAXX Group EPTS 1 Star your incomes, too. As such, I would urge full and immediate
participation in all our contests whenever they are so excitedly
STAR AGENTS launched by our business team members. Nothing is more
comforting than knowing that you are financially prepared in
Name Agency Qualification all eventualities.
LEE MOU YEN MAXX Group LLH 3 Stars
NG MAY LING MAXX Group LLH 3 Stars Finally, please take good care of your loved ones and yourself
SUEN KAR SHIAN MAXX Group EPTS 2 Stars and let us work together to overcome all challenges as we look
forward to better performances and times in coming days!
CHOONG GUAN YEE MAXX Group EPTS 1 Star

LAU YEK HUAT HIEW SIAT MUI AGENCY 1 Star

LEE NYUK CHU ASIA CARE 1 Star

LEONG PEI SIM MAXX Group EPTS 1 Star

PUTERI NUR FARHANAH BINTI ANGKASA PRINCIPLE 1 Star
OSMAN

MDRT

Name Agency

LEE MOU YEN MAXX Group LLH

NG MAY LING MAXX Group LLH

OPTIMUM LIFE PLANNERS ADVISORY OPTIMUM LIFE PLANNERS ADVISORY
SDN BHD SDN BHD

SUEN KAR SHIAN MAXX Group EPTS

TAN KOK WAN TAN KOK WAN AGENCY

VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD

100 APPLICATIONS

Name Agency

PUTERI NUR FARHANAH BINTI OSMAN ANGKASA PRINCIPLE

VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD

PACESETTER CLUB

Name Agency

KUMARESAN A/L THATCHANAMURTHI SUBRAMANIAM S/O SINNASAMY

**Benchmark qualifiers as at 30 June 2021

5

MEGA AWARD

MEGA AGENCY MEGA AGENCY

ASIA ACE AGENCY SDN BHD EPTS MANSION SDN BHD

ASIA ACE AGENCY SDN BHD MAXX GROUP EPTS

MEGA UNIT MEGA AGENT

CHENG KWEE LAN NG MAY LING

MAXX GROUP LLH MAXX GROUP LLH

E & O.E.
**Subject to terms and conditions

6

TOP PRODUCERS AWARD

TOP AGENCY MANAGER

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
LEONG WAI KEONG EPTS MANSION SDN BHD ASIA ACE AGENCY LEE LAI HIM VINOTH KUMAR
A/L KUMARAN
MAXX GROUP GPC MAXX GROUP EPTS SDN BHD MAXX GROUP LLH
MEGA MILLION DOLLARS AGENCY
ASIA ACE AGENCY SDN BHD

TOP UNIT MANAGER

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
VANASUNDARI BARKAWI RAMULU CHENG KWEE LAN TEH KEAT MEI GOBINATH
A/P GOVINDASAMY
A/P RAMULU MAXX GROUP LLH MAXX GROUP GPC A/L MARIYAPPAN
ASIA ACE AGENCY SDN BHD
DHARMALINGAM A/L SELLAPEN ASIA ACE AGENCY SDN BHD

TOP SALES MANAGER / AGENT

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
LEE TAI LEE YEO SEOW MEI NG MAY LING JAYA KUMARI WONG CHIA YEE
A/P GOPAL
MAXX GROUP EPTS MAXX GROUP EPTS MAXX GROUP LLH MAXX GROUP LLH
ASIA ACE AGENCY SDN BHD

TOP ROOKIE AGENT

CHAMPION 1ST RUNNER UP
MAGESWARI KUMARESAN
A/P GANASAN
A/L THATCHANAMURTHI
ASIA ACE AGENCY SDN BHD
SUBRAMANIAM S/O SINNASAMY

E & O.E. 7
**Subject to terms and conditions

TOP ACHIEVERS INVESTMENT-LINKED

TOP AGENCY MANAGER

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
LEONG WAI KEONG EPTS MANSION SDN BHD ASIA ACE AGENCY LEE LAI HIM VINOTH KUMAR
A/L KUMARAN
MAXX GROUP GPC MAXX GROUP EPTS SDN BHD MAXX GROUP LLH
MEGA MILLION DOLLARS AGENCY
ASIA ACE AGENCY SDN BHD

TOP UNIT MANAGER

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
VANASUNDARI BARKAWI RAMULU CHENG KWEE LAN TEH KEAT MEI GOBINATH
A/P GOVINDASAMY
A/P RAMULU MAXX GROUP LLH MAXX GROUP GPC A/L MARIYAPPAN
ASIA ACE AGENCY SDN BHD
DHARMALINGAM A/L SELLAPEN ASIA ACE AGENCY SDN BHD

TOP SALES MANAGER / AGENT

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
WONG CHIA YEE YEO SEOW MEI NG MAY LING LEE TAI LEE MAGESWARI
A/P GANASAN
MAXX GROUP LLH MAXX GROUP EPTS MAXX GROUP LLH MAXX GROUP EPTS
ASIA ACE AGENCY SDN BHD

TOP ROOKIE AGENT

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
POO LAY HOEY KUMARESAN MAGESWARI LIM HUAI KHIM ONG SIANG PENG
A/P GANASAN
MAXX GROUP LLH A/L THATCHANAMURTHI MAXX GROUP GPC MAXX GROUP LLH
ASIA ACE AGENCY SDN BHD
SUBRAMANIAM S/O SINNASAMY

E & O.E.
**Subject to terms and conditions

8

PRODUCTIVITY

AGENCY PRODUCTIVITY

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
CHENG KWEE LAN VINOTH KUMAR BARKAWI RAMULU ASIA ACE AGENCY JP GOLDSTONE ADVISORY
A/L KUMARAN
MAXX GROUP LLH A/P RAMULU SDN BHD SDN. BHD.
MEGA MILLION DOLLARS AGENCY
DHARMALINGAM A/L SELLAPEN ASIA ACE AGENCY SDN BHD JP GOLDSTONE ADVISORY SDN BHD

RECRUITMENT

GRAND AGENCY BUILDERS’ CLUB

CHAMPION 1ST RUNNER UP

VINOTH KUMAR A/L KUMARAN BARKAWI RAMULU A/P RAMULU

MEGA MILLION DOLLARS AGENCY DHARMALINGAM A/L SELLAPEN

AGENCY BUILDERS’ CLUB

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
ASIA ACE AGENCY CHENG KWEE LAN POOVANESWARAN GOBINATH UTHAYARAAJ
A/L THANGAVALU A/L SELVARAJ
SDN BHD MAXX GROUP LLH A/L MARIYAPPAN
POOVANESWARAN AGENCY RS GLOBAL AGENCY
ASIA ACE AGENCY SDN BHD ASIA ACE AGENCY SDN BHD
(ASIA ACE ASSOCIATE)

TOP INTRODUCERS AWARD

3RD RUNNER UP 1ST RUNNER UP CHAMPION 2ND RUNNER UP 4TH RUNNER UP
SARASWATHY LEE MOU YEN JAYA KUMARI LOGAWATTHANY THEEBA
A/P SELVARAJ A/P TAMIL SELVAN
MAXX GROUP LLH A/P GOPAL A/P KERNASAMY
DHARMALINGAM A/L SELLAPEN MEGA MILLION DOLLARS AGENCY
ASIA ACE AGENCY SDN BHD ASIA ACE AGENCY SDN BHD

E & O.E. 9
**Subject to terms and conditions

2021 MDRT
QUALIFIERS

QUALIFYING 21ST 17TH 17TH
LIFE TIME TIME
MDRT WITH MDRT WITH TIME
MEMBERS 5 TIMES COT 1 TIME COT MDRT

JESSY CHEN AGENCY LING LIING HING WONG KING KIEW
SDN BHD
ASIA EXCELLENT DAVID TEA AGENCY
JESSY CHEN AGENCY SDN BHD

15TH 13TH 11TH 11TH

TIME TIME TIME TIME

MDRT MDRT MDRT MDRT

TAN KOK WAN NGUI KING HOCK JAYA KUMARI A/P GOPAL VANASUNDARI
A/P GOVINDASAMY
TAN KOK WAN AGENCY KIM HOCK AGENCY ASIA ACE AGENCY SDN BHD
ASIA ACE AGENCY SDN BHD
8TH
TIME
MDRT
QUALIFIERS

DAU KUE LIAN LOO LQI KIM NG MAY LING YONG CHENG GEK

IWC ADVISORS SDN BHD OPTIMUM LIFE PLANNERS MAXX GROUP LLH YEOW KEE BIAN AGENCY

7TH ADVISORY SDN BHD
TIME
MDRT
QUALIFIERS

CHIN SHI HUI EPTS MANSION SDN BHD LAU KEE PING

MAXX GROUP CNF MAXX GROUP EPTS TEAM POWER ADVISORY SDN BHD

6TH
TIME
MDRT
QUALIFIERS

HII MING TING LIM GUAT NGOH LIM SEE CHEK

ASIA CARE OPTIMUM LIFE PLANNERS TOKIO STARS GROUP - LINDA AGENCY
ADVISORY SDN BHD
5TH
TIME 4TH
MDRT TIME
QUALIFIERS MDRT
QUALIFIERS

CHAI FOOK ONN KUEH SIEW KIAW PANG HUI TIEN WONG SIEW KHUI

TEAM POWER ADVISORY SDN BHD KSK AGENCY MAXX GROUP LLH TEAM POWER ADVISORY SDN BHD

E & O.E.
**Subject to terms and conditions

10

3RD
TIME
MDRT
QUALIFIERS

JULIAN GOH CHEN ZUI KASTHURI THILAGAM KOH KAE LI KOH YOONG HOE
A/P CHINAPEN
CLY AGENCY MAXX GROUP LLH MAXX GROUP CNF
ROOMAS AGENCIES

KOO GWO SHING LEE MOU AN LEE MOU YEN SIOW YIN SAN YEE SHIOW HUOY

JESSY CHEN AGENCY SDN BHD MAXX GROUP LLH MAXX GROUP LLH MAXX GROUP CNF OPTIMUM LIFE PLANNERS

2ND ADVISORY SDN BHD
TIME
MDRT
QUALIFIERS

CHIONG SZE SENG CHONG HOW KEE LAU AI LING TEOH SOO JIN

MAXX GROUP EPTS MAXX GROUP EPTS MAXX GROUP CNF TEIK SIN AGENCY

1ST
TIME
MDRT
QUALIFIERS

WONG CHIA YEE YEO SEOW MEI CHAN CHIN CHEAK CHEAH GUAT PENG

MAXX GROUP LLH MAXX GROUP EPTS RMS ADVISORY SDN BHD MAXX GROUP GPC

CHEW AH YAN CH’NG CHEE SENG CHOONG GUAN YEE JONG SUK MOI KUMUTAH
A/P TANGAVELOO
CLY AGENCY MAXX GROUP GPC MAXX GROUP EPTS TAN KOK WAN AGENCY
PRIDE SOLUTION AGENCY

LEE TAI LEE LIEU SHEUE JIUN LIM CHAI LOY RASATHA A/P RAMAN SRIDARAN
A/L P T SANGARRAN
MAXX GROUP EPTS PROGRESSIVE GROUP AGENCY TEAM TOKIO K. SUBRA AGENCY
K.R ASSOCIATES

SUMATHI TAN TOO KHOI TIE YING YING TING HEI SIENG VIKHNEESWARY
A/P SELLATHURAI A/P KARUPUSAMY
PANG SUN AGENCY MAXX GROUP EPTS PRIME STAR ELITE GROUP
PRIDE SOLUTION AGENCY INDRA GANDHI AGENCY
E & O.E.
**Subject to terms and conditions 11

AGENT’S Vinoth Kumar A/L Kumaran
12
Champion
2020 Grand Agency Builder

2020 Agency Builders’ Club

Edited by Chua San Kuang & Lim Chui Ling

It all started when my Agency Manager, Mr. A. Visvanathan who had
persuaded me to join the life insurance industry and gave me the golden
key to change my career pathway. Little would I have thought that the career
switch would bring upon so much of changes in life, both my profession and
lifestyle.

I started as Unit Manager in Tokio Marine Life in October, 2016 with 2 agents
under my care and worked hard to produce RM87,043 AFYP within a little
more than two months before 2016 ended. Within this short period, too, I
had come to realize not only the important functions of life insurance but
the opportunities for life practitioners to build business enterprises of their
own. I started agency building in 2017 and seize the opportunity when Tokio
Marine Life launched an agents’ financing scheme, T-Marine Corp (TMC)
aimed at developing leaders. I enrolled qualified agents into the scheme
and monitor closely to ensure they succeed in completing the scheme. It’s
most satisfying today to mention that all my five Unit Managers were TMC
participants. I was promoted to Agency Manager in 2020 and produced
RM3.65mil. Group AFYP with a total manpower of 145 by end of year and
became 4th Runner-up in the Top Agency Managers category in addition to
being a Champion of Grand Agency Builders Club.

My confidence has been growing with each passing year when my team
performances improved. These improvements come on a number of factors.
I was passionate about life insurance, it is a noble profession which helps
others and also helps ourselves. I was focused on achieving targets and
always set out with the ‘never-give-up’ attitude. As I was new to the industry,
I relied on available resources and worked closely with agency leaders and
company staff to tap on their valuable experiences and knowledge.

During my years in Tokio Marine Life, two major challenges came across
my pursuit for excellence. I was down with some health conditions but
recovered soon enough to overcome the challenge. The second being the
prolonged Covid-19 pandemic situation which my team members and I are
managing and we are confident that this will not deter us from achieving
good performances.

I had wanted to improve my family lifestyle by owning some properties in
the first few years of joining the life insurance industry. Until now, I have
already in my possession, a semi-detached residence, a Mercedes C300
AMG and a Mustang GT sports car. For a man who once had to drive taxi
overtime daily, I truly understand the difference between making ends meet
and being financially independent!

It is from these experiences that I created my agency motto “Born To Win”
and shall continue to lead my agency members onto striving for improved
performances and achieving our targets. I commit to continuing with this
remarkable journey and will act, built and reflect for betterment!

“A journey of thousand miles
begins with a single step forward!”

Vinoth Kumar A/L Kumaran
2020 Grand Agency Builder Champion

13

AGENT’S

Barkawi Ramulu A/P Ramulu

1st Runner Up - 2020 Grand Agency Builder

2020 Agency Builders’ Club

Edited by Chua San Kuang & Lim Chui Ling

I was born and bred in Bukit Jelutong, Selangor. Growing up in the following year and also bagging the Agency Builders
in an orthodox family of eight siblings, my entire childhood Award. One agent, Mr. P. Thirukumaran had also graduated
and teenage life revolved around my family and school. As from TMC to become a Unit Manager. In the subsequent two
the fifth child in the family, I shoulder the responsibility of years, ie. 2019 and 2020, my Unit production was RM1.39mil.
taking care of most house chores as my elder siblings were AFYP with a total manpower of 42 and RM1.78mil. AFYP with
all working. Even in a large family, I was a quiet person who 89 respectively (UM, Mr. P. Thirukumaran’s production of
preferred not to mingle with others (you may think this is RM890k AFYP was not included in 2020). Rewards awarded
unlikely for the industry I am in!). in 2020 included:

I started work as an administrative executive after graduation ● 4-Star Unit
and later became a pre-school teacher. I was married to Mr. ● Top Unit Manager: 1st Runner-up in both Overall and IL
P. Sathiskumar and we are blessed with two children. My
husband who had come to understand the life insurance categories
industry through our mentor, Mr. S. Dharmalingam, wanted ● Grand Agency Builders: 1st Runner-up
me to take on a more challenging profession as he didn’t ● Agency Main Tour qualifier
prefer me to be so enclosed within the tiny world I had ● Top Unit Manager - K L Branch: Champion
created for myself. He had planned a bigger picture for me as
he knew and wanted to unleash the potential in me. I would want to share my joys with my Unit Managers,
agents, policyholders and family members on my promotion
Life took a big change for me when he encouraged and signed to Agency Manager and the promotion of my husband, Mr.
me up for Tokio Marine Life in 2011. I was extremely reluctant Sathiskumar to Unit Manager in 2021. My agency has now
then as it was not my nature or social preference to mingle, grown to over 90 members with 2 Unit managers and 37 TMC
meet and talk to people. Mr. Sathiskumar together with Mr. members, 8 of whom have been promoted to Assistant Unit
Dharmalingam never gave up and continued to persuade me. Managers. TMC members will remain as the pillar for growth
I consented and accepted the challenge. as 34 of them have produced RM1.71mil AFYP or 64% of Mr.
Thirukumaran and my Unit productions combined in 2020.
My performances in the initial years were ordinary with
productions below RM260,000 Unit AFYP annually coming Having gone through this growing up journey, I will want
from less than 10 agents. Performances started to improve to extend this opportunity to encourage and develop more
when recruitment in my team began in 2017. I attained my people with hidden talents to build successful business
first 1-Star Unit award in 2018 and improved to 3-Star Unit enterprises with Tokio Marine Life. Yes, you can be like me!

14

“You don’t get a refund on time wasted!”

Barkawi Ramulu A/P Ramulu
2020 Grand Agency Builder 1st Runner Up

15

5TOPAGENCY ASIA ACE AGENCY EPTS MANSION
MANAGER SDN BHD SDN BHD

LEE LAI HIM ASIA ACE AGENCY SDN BHD MAXX GROUP EPTS

MAXX GROUP LLH RM5,112,487 RM3,270,997

RM2,347,624 VINOTH KUMAR BARKAWI
A/L KUMARAN RAMULU
A/P RAMULU
MEGA MILLION DOLLARS
AGENCY BARKAWI AGENCY

RM2,108,560 RM1,716,106

TOP CHENG KWEE LAN VANASUNDARI
A/P GOVINDASAMY
5 UNIT MAXX GROUP LLH
MANAGER ASIA ACE AGENCY SDN BHD
RM2,155,808
RM1,175,765

SATHIS KUMAR GOBINATH TANG KOK WAI
A/L PERUMAL A/L MARIYAPPAN
MAXX GROUP EPTS
BARKAWI AGENCY ASIA ACE AGENCY SDN BHD
RM855,127
RM1,021,785 RM1,011,942

E & O.E.
Benchmark Qualifiers as at 30 June 2021.

16 Subject to final result as at 31 Dec 2021. Terms & conditions apply.

TOP SALES LEE MOU YEN NG MAY LING

5 MANAGERS/ MAXX GROUP LLH MAXX GROUP LLH
SALES
AGENTS RM598,217 RM518,219

SUEN KAR SHIAN LEE NYUK CHU PUTERI NUR
FARHANAH
MAXX GROUP EPTS ASIA CARE BINTI OSMAN

RM435,276 RM293,689 ANGKASA PRINCIPLE

RM260,563

TOP LOW LAI KIM LIM KIM YONG

5 ROOKIES JP GOLDSTONE ACTION. DRIVEN. GROUP
ADVISORY SDN BHD
RM123,793
RM136,612

CHONG SEIK MOI HAU HUI YEE KRISHNAKUMAR
A/L KUMARAVEL
JP GOLDSTONE MAXX GROUP LLH
ADVISORY SDN BHD ASIA ACE AGENCY SDN BHD
RM81,060
RM116,408 RM73,668

E & O.E. 17
Benchmark Qualifiers as at 30 June 2021.
Subject to final result as at 31 Dec 2021. Terms & conditions apply.

2021 AGENCY MAIN TOUR BENCHMARK QUALIFIERS

CONTEST PERIOD: 1 OCTOBER 2020 TO 30 SEPTEMBER 2021 (PRODUCTION REQUIREMENT)
1 JANUARY 2021 TO 31 DECEMBER 2021 (RECRUITMENT REQUIREMENT)

AM GROUP CATEGORY PERSONAL SALES CATEGORY

AFYP AND RECRUITMENT (1 TICKET) AFYP AND RECRUITMENT (1 TICKET)
ASIA ACE AGENCY SDN BHD (BTTW) JAYA KUMARI A/P GOPAL (BTTW)
VINOTH KUMAR A/L KUMARAN (SBN) KUMARESAN A/L THATCHANAMURTHI (AS)
LOO LQI KIM (KL)
AM GROUP CATEGORY NG MAY LING (MLK)
OPTIMUM LIFE PLANNERS ADVISORY (KL)
RECRUITMENT (1 TICKET) VANASUNDARI A/P GOVINDASAMY (BTTW)
ASIA ACE AGENCY SDN BHD (BTTW)
PERSONAL SALES CATEGORY
AM/UM DIRECT UNIT
AFYP (1 TICKET)
AFYP AND RECRUITMENT (1 TICKET) YEO SEOW MEI (KUA)
CHENG KWEE LAN (MLK)
GOBINATH A/L MARIYAPPAN (PEN) NEW AGENT CATEGORY
JP GOLDSTONE ADVISORY (MIRI)
AFYP (1 TICKET)
PERSONAL SALES CATEGORY SUEN KAR SHIAN (KL)

AFYP AND RECRUITMENT (2 TICKETS) E. & O.E.
LEE MOU YEN (MLK) **Result as at 30 June 2021, subject to persistency review
and terms and conditions

18

2021 4D3N GROUP CATEGORY (AM) 1 TICKET

DUBAI EPTS MANSION SDN BHD (KL)
Tour Contest
Benchmark DIRECT UNIT CATEGORY (UM & AM) 1 TICKET
Qualifiers
EPTS MANSION SDN BHD (KL)
Contest Period: 1 Jan - 22 Feb, 2021 JP GOLDSTONE ADVISORY SDN. BHD. (MIRI)
TANG KOK WAI (KL)

PERSONAL PRODUCTION CATEGORY
(SA/SM/UM/AM) 2 TICKETS

LAU YEK HUAT (SBU)
SUEN KAR SHIAN (KL)

PERSONAL PRODUCTION CATEGORY
(SA/SM/UM/AM) 1 TICKET

AMUTHA A/P RAMULU (KL)
CHIN CHE CHU (BTTW)
CH’NG CHEE SENG (PEN)
CHONG SEW KIN (MIRI)

CHONG YEW CHIAN (JB)
CHOONG GUAN YEE (KL)
CINDY THONG KUI EN (MIRI)
DEVANDRAN A/L KUMARAN (SBN)
DATO GANESAN A/L K ARUMUGAM (SBN)

GO CHEE WEI (PEN)
GOMATHI A/P SELLAN (KLG)
HARI SHANGAR A/L SANGA PILLAI (SBN)
JEREMY MOHANRAJ A/L PICHAY (KLG)
KUMARESAN A/L THATCHANAMURTHI (AS)
LAI YIN YEE (KL)
LAU AI LING (JB)
LAW SANG CHUI (KCH)
LEE SIEW HON (KL)
LEE TAI LEE (MIRI)
LIM CHAI LOY (BTTW)
LING LIING HING (MIRI)
MAGALA SRI A/P KRISHNAN (BTTW)
PUVANESWARY A/P SUBRAMANIAM (KLG)
RAMANI NAIR A/L ARUMUGAM (SBN)
SHAMINEE A/P BALAKRISHNAN (SBN)
TAN KOK WAN (KCH)
TAN TOO KHOI (JB)
TAN WEI LING (JB)
VANASUNDARI A/P GOVINDASAMY (BTTW)
VIKNESVARAN A/L SUKUMARAN (KLG)
WONG CHIA YEE (MLK)
WONG KING KIEW (MIRI)
YEO SEOW MEI (KUA)
YONG SIAW CHIEN (MIRI)

PERSONAL PRODUCTION CATEGORY
(NEW AGENTS) 1 TICKET

KU KAH HOU (SBU)
LIM KIM YONG (MLK)
LOW LAI KIM (MIRI)
SIVAPIRIYA A/P BALASUBUNA NAIDU (JB)

E. & O.E.

**Result as at 16 March 2021. Subject to tearms and conditions

19

RECRUITMENT

By Chua San Kuang, Head, TMC

Covid-19 pandemic and the Movement Control Order
(MCO) continue in 2021 and so is TMC scheme!

The 1st batch of TMC in 2021, TMC16 started with applications
and interviews conducted after the Chinese Lunar New Year and
commenced on 1 April with an enrolment of 45 participants.

Intake for 2nd TMC batch, TMC17 had begun in April and a total We kick-started the year with a “Meeting With Chief
of 45 applicants were offered to participate in the scheme which Agency Officer, Mr. Liew Kim Wah” for TMC 13 to 15
would start on 1 July, 2021. life advisors via Webex on 7 January, 2021

TMC18 will commence on 1 November, 2021.

I. Promotions in 2021

1. Unit Manager Promotion:

In addition to 11 Unit Manager promotions from TMC scheme on 1 January, the following additional 7 AUMs were promoted to

Unit Manager on 1 July, 2021:

NO. NAME BRANCH AGENCY MANAGER TMC
1 CHAN CHIN CHEAK KUCHING RMS ADVISORY SDN BHD AUM9
2 DAU KUE LIAN KUCHING IWC ADVISORS SDN BHD AUM9

3 LIEU SHEUE JIUN KUCHING BONG KUET PHIAW FRANCIS AUM9

4 MAH KUM WAH IPOH PHOON TIAN LU (UM – DIRECT IPOH) AUM10
5 SARASWATHY A/P SELVARAJ KLANG BARKAWI RAMULU A/P RAMULU AUM10

6 SHAMALA A/P SHANMUGAM SEREMBAN VINOTH KUMAR A/L KUMARAN AUM10
7 THAMARAI A/P SINNAPPOO KLANG BARKAWI RAMULU A/P RAMULU AUM10

Total TMC-Unit Manager promotions in first half year of 2021 = 18

2. Assistant Unit Manager (AUM) Promotion:

a. 16 Life Advisors gained promotion to Assistant Unit Manager on 1 April, 2021:

NO. NAME BRANCH AGENCY MANAGER
1 CINDY THONG KUI EN MIRI JP GOLDSTONE ADVISORY SDN BHD

2 DARSHINI A/P GOBINATHAN JOHOR BAHRU ASIA ACE AGENCY SDN BHD

3 ILANGOVAN KUMARAYYA PENANG POOVANESWARAN A/L THANGAVALU
4 JAYANTHI A/P RAJENDRAN KUALA LUMPUR UTHAYARAAJ A/L SELVARAJ

5 LEE SIEW SEAN IPOH PHOON TIAN LU (DIRECT IPOH)

6 LING CHIONG HOW SIBU TAN KOK WAN
7 LOGENDRAN A/L S CHANDRAN KUALA LUMPUR UTHAYARAAJ A/L SELVARAJ

8 LOO FEI SAN KUCHING IWC ADVISORS SDN BHD
9 MAK SEE HOOI MIRI JP GOLDSTONE ADVISORY SDN BHD

10 MANEISHWARAN A/L SAGADEVAN KLANG DHARMALINGAM A/L SELLAPPEN

11 MUTHUKUMARAN A/L GOVINDASAMY BUTTERWORTH ASIA ACE AGENCY SDN BHD
12 NAVITA A/P JAYARAM SEREMBAN VINOTH KUMAR A/L KUMARAN

13 SARASWATHY A/P SUBRAMANIAM KLANG BARKAWI RAMULU A/P RAMULU
14 SYASTINI A/P KUMARAN SEREMBAN UTHAYARAAJ A/L SELVARAJ

15 VASANTHAMALAR A/P NATHAN SEREMBAN UTHAYARAAJ A/L SELVARAJ

16 VIJAYATHARSHINI A/P TANAPALO SEREMBAN VINOTH KUMAR A/L KUMARAN

20

b. 15 Life Advisors gained promotion to Assistant Unit Manager on 1 July 2021:

NO. NAME BRANCH AGENCY MANAGER
1 CHANDRAKUMAR A/L SINNIAH KUALA LUMPUR BARKAWI RAMULU A/P RAMULU

2 HARI SHANGAR A/L SANGA PILLAI SEREMBAN VISVANATHAN A/L ANGAMUTHU
3 KAVITHA A/P SHAMMUGAM KLANG BARKAWI RAMULU A/P RAMULU

4 KUBERAN A/L VASUTHEVAN KUALA LUMPUR BARKAWI RAMULU A/P RAMULU

5 KUMARESAN A/L THATCHANAMURTHI ALOR STAR SUBRAMANIAM S/O SINNASAMY

6 MAGESWARI A/P GANASAN BUTTERWORTH ASIA ACE AGENCY SDN BHD

7 MURUGAMAL A/P MUNIAN JOHOR BAHRU NEXUS STARS AGENCY SDN BHD
8 NAVEN KUMAR A/L RAVI KLANG VINOTH KUMAR A/L KUMARAN

9 PAVITRAN A/L TAMIL SELVAN BUTTERWORTH ASIA ACE AGENCY SDN BHD

10 PUVANESWARY A/P SUBRAMANIAM KLANG BARKAWI RAMULU A/P RAMULU
11 SHRI ABIRAAMI MENON A/P TAMIL SELVAN KUALA LUMPUR APPATHURAI A/L VEERAPPAN

12 SURENDRAN A/L MURGAN SEREMBAN VISVANATHAN A/L ANGAMUTHU
13 TANG LEE FONG MIRI JP GOLDSTONE ADVISORY SDN BHD

14 VIKNESVARAN A/L SUKUMARAN KLANG DHARMALINGAM A/L SELLAPPEN

15 YOGESWARAN A/L NILAMECAN KLANG UTHAYARAAJ A/L SELVARAJ

Total TMC-Assistant Unit Manager promotions in first half year of 2021 = 31
(Please see congratulatory flyers on following page for details)

II. Fast Start NCB Achievers

One of the requirements for TMC participants to remain in the scheme is to achieve the Non-Commissionable block of Business
(NCB) production within six months of entry date. Participants who achieve the NCB production within four months are rewarded
with Fast Start NCB bonus. Record for the earliest NCB achievement on Day 2 set in 2020 was successfully breached by the
following two participants in 2021:

NO. NAME TMC BATCH BRANCH DIRECT LEADER
1 RATHA A/P MADAVAN TMC 16 KUALA LUMPUR BARKAWI RAMULU A/P RAMULU
2 DEEPAN A/L MUNUSAMY TMC 17 SUBRAMANIAM A/L KUPPUSAMY
KLANG

III. TMC Day

TMTDA organised a TMC Day in April and invited four UMs and AUMs each to share their invaluable experiences on their journeys
towards promotions with TMC participants.

IV. New TMC-MDRT Route

A new TMC-MDRT route was introduced in 2021 beginning with TMC16. Newly contracted agents aspiring to become MDRT
qualifying members are encouraged to participate in the scheme.

Leaders with new agents planning to become Unit Managers or MDRT members
please prepare to enrol them in the final TMC batch of this year,

TMC18 which commences on 1 November, 2021

21

CONGRATULATIONS!

CHAN CHIN CHEAK

RMS ADVISORY SDN BHD

T-MARINE DAU KUE LIAN
CORP
IWC ADVISORS SDN BHD

LIEU SHEUE JIUN PROMOTIONS MAH KUM WAH
TO
BONG KUET PHIAW FRANCIS PHOON TIAN LU (UM-DIRECT IPOH)
UNIT
SARASWATHY MANAGER
A/P SELVARAJ
UM
BARKAWI RAMULU A/P RAMULU

1 JULY 2021 SHAMALA
A/P SHANMUGAM
E. & O.E.
VINOTH KUMAR A/L KUMARAN

THAMARAI
A/P SINNAPPOO

BARKAWI RAMULU A/P RAMULU

22

CONGRATULATIONS!

T-MARINE CORP PROMOTION TO

AUMASSISTANT UNIT MANAGER

AS AT

1 APRIL 2021

CINDY THONG KUI EN DARSHINI ILANGOVAN KUMARAYYA JAYANTHI
A/P GOBINATHAN A/P RAJENDRAN
JP GOLDSTONE ADVISORY POOVANESWARAN
ASIA ACE AGENCY SDN BHD UTHAYARAAJ A/L SELVARAJ
SDN BHD A/L THANGAVALU

LEE SIEW SEAN LING CHIONG HOW LOGENDRAN LOO FEI SAN MAK SEE HOOI MANEISHWARAN
A/L S CHANDRAN A/L SAGADEVAN
PHOON TIAN LU (DIRECT IPOH) TAN KOK WAN IWC ADVISORS SDN BHD JP GOLDSTONE ADVISORY
UTHAYARAAJ A/L SELVARAJ DHARMALINGAM A/L SELLAPPEN
SDN BHD

MUTHUKUMARAN NAVITA SARASWATHY SYASTINI VASANTHAMALAR VIJAYATHARSHINI
A/L GOVINDASAMY
A/P JAYARAM A/P SUBRAMANIAM A/P KUMARAN A/P NATHAN A/P TANAPALO
ASIA ACE AGENCY SDN BHD
VINOTH KUMAR A/L KUMARAN BARKAWI RAMULU A/P RAMULU UTHAYARAAJ A/L SELVARAJ UTHAYARAAJ A/L SELVARAJ VINOTH KUMAR A/L KUMARAN

AS AT

1 JULY 2021

CHANDRAKUMAR HARI SHANGAR KAVITHA KUBERAN
A/P SHAMMUGAM A/L VASUTHEVAN
A/L SINNIAH A/L SANGA PILLAI
BARKAWI RAMULU BARKAWI RAMULU
BARKAWI RAMULU A/P RAMULU VISVANATHAN A/L ANGAMUTHU A/P RAMULU A/P RAMULU

KUMARESAN MAGESWARI MURUGAMAL NAVEN KUMAR PAVITRAN PUVANESWARY

A/L THATCHANAMURTHI A/P GANASAN A/P MUNIAN A/L RAVI A/L TAMIL SELVAN A/P SUBRAMANIAM

SUBRAMANIAM S/O SINNASAMY ASIA ACE AGENCY SDN BHD NEXUS STARS AGENCY SDN BHD VINOTH KUMAR A/L KUMARAN ASIA ACE AGENCY SDN BHD BARKAWI RAMULU A/P RAMULU

SHRI ABIRAAMI MENON SURENDRAN TANG LEE FONG VIKNESVARAN YOGESWARAN

A/P TAMIL SELVAN A/L MURGAN JP GOLDSTONE ADVISORY A/L SUKUMARAN A/L NILAMECAN E. & O.E.
23
APPATHURAI A/L VEERAPPAN VISVANATHAN A/L ANGAMUTHU SDN BHD DHARMALINGAM A/L SELLAPPEN UTHAYARAAJ A/L SELVARAJ

INDIAN
AGENCY

INDIAN AGENCY

By Sivakumar Palanisamy The session continued with the 2020 Business
Review and 2021 planning conducted by Head of
The past year has been uncertain but we have Indian Agency Development (IAD) Mr. Sivakumar,
adapted, learned and built our resilience. Tokio where areas of improvement and 2021 goals were
Marine Life and the agency force is not limited by discussed with all leaders. There were 4 invited
any barrier as we have embraced conducting our speakers; 3 internal and 1 external speakers who
business and activities virtually. highlighted on areas of their success during the
pandemic period. The speakers were Agency
Alike for the Tokio Marine Life Indian Agency, Manager Mr. Malaiyarasan, Mr. Vinoth, Mdm.
many activities were organized and participated by Barkawi and Coach Nan (Master Life Coach, Trainer
all of the agency members from January to June and Business Consultant).
2021. Although this year is foreseen to be another
challenging year with the continuation of the There was also a group discussion and presentation
Covid-19 pandemic and movement restrictions, we on various topics presented by Agency Leaders to
still look forward to a brighter 2021 as we embrace the members. The closing was done by Deputy
the lessons of 2020 as a source of growth and Chief Agency Officer (DCAO) Mr. Tai Chee Ming,
opportunity. where he requested leaders to actively achieve the
goals for 2021.
The 1st IAD activity for the year 2021 was the ‘IAD
Leaders Convention’ which was participated by 70 Various other activities were also organized
Agency Managers and Unit Managers. The session from January to June 2021, such as Business
was conducted for 2 days, from 19 to 20 January Opportunity Presentation (BOP) and sales talks
2021. Our Chief Agency Officer (CAO) Mr. Liew Kim which were participated by a majority of the Indian
Wah started the session with his opening address agency members.
which focused on the past performance and the
management expectation from Indian Agencies.

24

TRAINING

A Standard of Excellence

The pandemic has changed the way many life insurance advisors do business. Tokio Marine Life Malaysia has made strategic
moves to ensure the life insurance advisors are well supported & trained to equip them with strategies to drive their businesses
and clients to the next level of success in the current climate and post recovery.

As part of our action plan, we focused on providing Life Insurance Advisors with innovative ideas to continue succeeding through
a resources hub – Monthly Power Talk Webinars. All life insurance advisors were welcome to attend the sessions that were
designed to benefit them to gain top-tier content from industry practitioners.

The webinar sessions were launched to ensure our life insurance advisors remain relevant and competitive in the market place
to serve their clients by exemplary performance. Our aim is to help our life insurance advisors to navigate current challenges so
they can continue to grow their business, protect their clients and guide them towards a successful future. From how to create a
powerful business branding to sell large premiums online and offline, life insurance advisors were able to find proven strategies
they need to innovate and persevere.

MONTHLY POWER TALK WEBINARS IN Q1

TITLE ► OUTCOME LANGUAGE DATE (2021) SPEAKER

1. Sell with Large Premium Mandarin 20 Jan Jayden Chen
English 21 Jan
► Close larger premium with insurance as an estate
planning tool

► Use insurance as a cash distribution tool

2. Engage Your Prospects by Numbers English 3 Feb Mitra Chen

► Use life path number & personal year for effective
communication.

► Mental blockage cleansing session

3. The Power of Branding Yourself Right English 23 & 25 Feb Ranukka Singham

► Make visual impact that portrays confidence & credibility
► Create branding in Linkedln & how to write a Linkedln

profile that builds credibility & trust

4. How to Sell TM360 Mandarin 3 Mar Chong Sew Kin
& Tamil Chee Chyi Chuan
► Adopt effective sales process in selling TM360 Kumaresan A/L Thatchanamurthi
► Strengthen TM360 sales concept Vanasundari A/P Govindasamy

5. The Hidden Secret Behind Selling English 5 Mar Joe Tan
Insurance Revealed

► Debunk the myth of insurance
► Proven sales concept for higher closing rate

6. Mastering in Insurance Remote Selling English 5 Mar Joe Tan

► Acquire the observation skill on prospect & clients Mandarin 16 & 17 Mar Kayatthri Krishnasamy
remotely & Tamil

► How to conduct face to face online session with English 24 Mar Kaka Lam
powerful questions & tell captivating story online

7. Lead Generation via Social Media

► Create a business page in social media to attract the
right target audience & quality fans

► Convert traffics & fans to become leads/ customers

8. Great Sales Presentation

► Master the RDSD Model (Relax, Disturb, Solution,
Dream

► Craft out a special strategy in your practice

25

TRAINING

LEADERSHIP
PROGRAM

DOUBLE 2xT (Double Your Income in Half the Time) Leadership Program is one of the
YOUR significant initiatives made by TMTDA to enhance our leaders’ competencies in guiding
INCOME a productive team by adopting the right strategies.
IN HALF
THE TIME This is a six month training program that covers 8 practical agency management
modules. All 51 leaders who have participated in the program were expected to pick up
26 self-development skills through this comprehensive program which would be beneficial
for their agency expansion.

The training and bi-weekly coaching sessions were conducted by Chris Chan who is the
founder of PPP Academy from Singapore. Chris Chan is unarguably the most suitable
speaker with numerous accreditations from companies and the industry respectively.
Certainly, with his passion in providing consultancy to financial institutions, he was able
to bring out another side of our leaders that they didn’t know they had.

The first module, “Transformational Leadership and Team Culture” was conducted in
January 2021. The session highlighted the importance of being encouraging leaders
who are able to connect to their audience with strong communication skills, and why it
is important that every leader should also possess excellent listening skills by placing
empathy and transparency in order to understand what is needed from their team
members.

In the third module of the 2xT Leadership Program, leaders were taught about team
branding and marketing, a noteworthy skill to stay competitive and relevant in the
digital era. Not only did they learn to explore and fully utilize the power of digital
marketing, but they also learnt how to develop their networking skills such as building
a long-term relationship with clients. Therefore, branding and marketing will indirectly
help the business development of agencies to become successful and sustainable.

We have been living in a pandemic for more than a year now, and we have learnt to
navigate around the hurdles we initially faced. Some may face less or more challenges
than others and it may be partially biased to compare being in different boats despite
being in the same storm. However, what makes us different is how we choose to take
the accountability and responsibility to change our future. A winner MAKES things
happen instead of waiting for things to happen. As we practice being BIGGER.BETTER.
BOLDER, we should always be the former. As the saying by Marva Collins, “Success
doesn’t come to you, you go to it.” It is because success doesn’t come overnight and it
is more meaningful and worth it when we manage to.

TRAINING

SELF-SUSTAINING The leaders were also introduced to three stages of Self-Sustaining System
SYSTEM (S.S.S) in developing their agents, especially new recruits. The Self-Sustaining
(S.S.S) System involves Lead Generation Mastery, Attraction Mastery and Sales
Advisory Mastery respectively. The first step of S.S.S focuses on conducting
effective prospecting activities, intensified strategies and techniques in getting
referral to increase closing ratio. The Attraction Mastery emphasizes on
approaching prospective clients professionally hence increases the chances
in getting appointments. It is crucial for the agents to practice and be trained
well in this stage to boost their self-esteem when meeting or talking to people.
At the last phase of the system, leaders need to recognise that their agents
are valuable assets to the agency and able to fulfil customers’ satisfactions by
maintaining a top-notch service.

Being a leader is never an easy job because a good leader not only makes their
own dreams work, they also need to help their people to realize their goals.
It is the main job for leaders to inspire their people through unique beliefs,
values, strengths, principles and personality. This will eventually contribute to
the agency’s lasting sustainable success.

Another key program by TMTDA this year is the Performance Coaching Program PERFORMANCE
(PCP) which encompass agency and unit managers. Participants were guided COACHING
on their agency system building and tools. PCP is designated to ensure leaders PROGRAM
stay focus with their goals as well as help them to become goal getters. Other (PCP)
than that, the program is designed to assist in boosting motivation levels so
agency productivity can be improved.

The PCP program comprises of four sessions which are Human Capital
Management, Develop Quality Recruitment System, Develop 100 Days Training
System and Performance Management System. Leaders will be introduced to
Million Dollar Business Practice in Session 1 which is undoubtedly important to
leaders in convincing their people that they can earn a good income in the life
insurance business. The other topics covered are Recruitment Avatar, MDRT
Whole Person, 80/20 System and Coaching Techniques.

ACTIVATING SALES The Activating Sales Program (ASP) is another program designed for all agents
PROGRAM particularly those with six and below cases. This program intends to help these
(ASP) agents with their productivity with 4 FUFTs evening sessions lasting 1 hour
and 15 minutes per session. The training contents for ASP consists of Sales
Cycle, Prospecting, Approach and Fact Finding, Sales Concepts, Handling and
Closing. Producers are also invited to the sessions to do some sharing on their
closing experiences. Participants are capable to acquire extensive knowledge
and techniques through this program that can be applied practically when they
do their sales.

27

Updates! T-MARINE PRO 2.0

Key factors causing Optical
Character Recognition (OCR)
detection failed
Benefits of
remote signature
Benefits of real time Auto
Debit enrollment for CASA /
Card (eMandate)

28

Key factors causing Optical Character
Recognition (OCR) detection failed

Blurry NRIC Image could be too small or low resolution
Hologram/Reflection of NRIC Black & white NRIC
Typo error from Proposal Form Non NRIC or Mykid e.g. Birth Certificate
Rotated NRIC (90 degree or 180 degree)

Benefits of remote signature

Current case without signature (MCO) Cases with Remote Signature

Need to fill up Acknowledgement Form No submission of form required
and submission to HQ
Immediate approval for standard case
Pending Query reply, no immediate with payment made
approval for standard case even with
payment made Can appoint nominee

Cannot appoint nominee

Benefits of real time Auto Debit enrollment
for CASA / Card (eMandate)

Current CASA Enrolment eMandate

Need fill up paper DDA form and No hardcopy form required.
submission to Bank.
On the spot enrollment.
Need take about 2 to 4 weeks. No advance premium required.

Need to pay 2 mths premium advance On the spot verification, OTP will send to
as to wait for the enrollment. customer during enrollment.

High % of rejection due signature No worry on debit card expiry date or
unmatched, account dormant, wrong unsuccessful debit due to card not opt
info, wrong company stamp. in for e commerce / card not present
transaction.
Need to inform the bank to opt in for e
commerce / card not present transaction.
Need to inform insurance company in
case of change of debit card number.

29

NEW LOOK!APGOERNTCAYL

30

ENHANCEMENTS POLICY DETAILS PRINT OUTAgents able to select Print Section with better look and feel.

PREMIUM DUE LISTINGImprove onnumberof days premium due

and added with
premium due listing
Unit Manager info.

SHORT-TERM CONTEST REPORTIncluded agency force to

monitor
Parllesmhiourmt-tHeorlmidacoy,nLtaesptseredp, oCratnscienllPaotirotanleftocr.

E QUOTATIONT-Marine Pro 2.0 link for generating sales illustration that is not

available in PSIP.

COMING SOON! size

Proposal fqruoemry3uMpBlotaod1d0oMcuBment file
increase

Tpooliinccyluddeetaoilrsigpinaagleselling agent info in

Second login ID for Agency Leader’s PA

31

TM

Covid-19 Medical Expenses No one is safe till everyone is safe. At
Assistance Fund Tokio Marine, we “Look Beyond Profit”
and act with integrity for the benefit of
JomVaccine Campaign – our customers, business partners and
Post COVID-19 Vaccination society.
Support 1.0 Fund
We are pleased to extend our support to
JomVaccine Campaign – all anak-anak Malaysia to walk through
Post COVID-19 Vaccination this storm together.
Support 2.0 Fund
JomVaccine Campaign is an initiative in
conjunction with Tokio Marine COVID-19
Medical Assistance Fund. Please refer to
Agency Circular (AGT/071/2021) or our
corporate website for the detailed Terms
and Conditions.

Covid-19 Medical Expenses Assistance Fund

Period 20 Feb - 30 Sept 2021
Eligible Participant
Conditions Eligible Tokio Marine Life Insurance Malaysia Bhd. individual medical plan customers

Benefit Admit to MOH designated Private Hospital due to COVID-19

Waiting Period Reimbursement of medical bill up to: -
• RM5,000 for Category 3
• RM10,000 for Category 4
• RM20,000 for Category 5
Max 1 claim per customer

30 days from inception / reinstatement of respective medical plan

ELIGIBLE Medical Plans NOT ELIGIBLE Medical Plans

Products Investment-Linked Traditional Products Withdrawn from New Business
Current – iMediCare
Selling iHealth Advance MedShield Investment-Linked Asia Health Partner Plus
Asia Health Partner
Withdrawn Excel Asia Health Partner Traditional Asia Health Partner
from New Health Care Supreme Excel Asia Health Partner Plus
Business iHealth+ Asia MediCare
Health Care Supreme These medical plans are not eligible for ‘COVID-19 Medical
Expenses Assistance’ as they do provide COVID-19 coverage.

Note:
• The lists above are not exhaustive and we will update it if necessary.

• Customer may confirm what medical plan they own in their e-Medical Card under Medical Card section in oneTokio.

32

JomVaccine Campaign –
Post COVID-19 Vaccination Support 1.0 Fund

Period 20 Feb - 31 Dec 2021

Eligible Participant Eligible Tokio Marine Life Insurance Malaysia Bhd. individual medical plan customers
Conditions Admit to MOH designated Hospital due to COVID-19 Vaccine Severe Side Effect
Benefit Reimbursement of medical bill up to RM 5,000
Waiting Period Max 1 claim per customer
30 days from inception / reinstatement of respective medical plan

ELIGIBLE Medical Plans NOT ELIGIBLE Medical Plans

Products Investment-Linked Traditional Products Withdrawn from New Business
Current – iMediCare
Selling iHealth Advance MedShield Investment-Linked Asia MediCare
iHealthCare
Withdrawn Asia Health Partner Asia Health Partner This medical plan are not eligible for ‘Post COVID-19
from New Plus Asia Health Partner Vaccination Support’ as it does provide coverage for customer
Business Asia Health Partner Plus who have to be admitted to any MOH designated hospital due
Excel Asia Health Partner to any serious adverse effect/event(s) following immunization
Excel (AEFI) resulting from COVID-19 vaccination received.
Health Care Supreme Health Care Supreme

iHealth+
IL Medical Guard

Note:
• The lists above are not exhaustive and we will update it if necessary.
• Customer may confirm what medical plan they own in their e-Medical Card under Medical Card section in oneTokio.
• Post COVID-19 Vaccination Support only applicable within 14 days from vaccination date.

JomVaccine Campaign –
Post COVID-19 Vaccination Support 2.0 Fund

NEW JomVaccine Campaign - Post COVID-19 Vaccination Support 2.0

Period Eligible Participant

4 June - 31 Dec 2021 Conditions Malaysian and Malaysian Tokio Marine Life Insurance
Permanent Residents who has Malaysia Bhd. Customers

attained age 18

Admit to MOH Daily income of RM120 per day Daily income of RM240 per day
designated Hospital due (payable up to maximum of 5 days)  (payable up to maximum of 7 days)
to COVID-19 Vaccine
Max 1 claim per customer  
Severe Side Effect Max 1 claim per customer

Death due to COVID-19 Death benefit of lump sum Death benefit of lump sum
RM5,000 per individual RM12,000 per individual
Vaccine Severe Side
Effect

Waiting Period 14 days from successful 14 days from inception/
campaign registration reinstatement of respective plan

(Vaccination date must be at
least 14 days from inception/
reinstatement of respective plan)

Note:
Post COVID-19 Vaccination Support only applicable within 14 days from vaccination date.

33

While life is full of uncertainties and unpredictables,
we have lots of commitments to carry on
regardless. Whether you are progressing in your
startup, or the sole pillar of your loved ones,
your only wish is to continually provide them with
privilege to stay worry free. There are setbacks
in life, hence staying protected is the key not to
burden our loved ones in the event of misfortunate
strikes.

Introducing Tokio Marine’s new investment-
linked product with high protection from RM 1
million* – TokioMarine-iMillion, that provides a
new insurance solution for your high net-worth
customers, entrepreneurs or loan borrowers, from
aged 14 days old to 70 years old next birthday.

The Uniqueness of TokioMarine-iMillion

Death or TPD Optional Benefits Waiver of Premium Riders
iLife Waiver
Investment Fund Value plus higher of Protection Fund Critical Illnesses Riders iPayor Waiver
Value or Sum Assured iAccelerating CI
iAdvanced CI
Accidental Death or Accidental TPD
LIMITED Payment Terms
Additional 100% of Sum Assured* for any causes
Coverage Term Premium Payment Term
Special Disease 15 years 6, 10 years
20 years
Additional 5% of Sum Assured 25 years 6, 10, 15 years
(max RM100,000 per policy) 6, 10, 15, 20 years

FULL Payment Terms

Spouse Accidental Death Coverage Term Premium Payment Term
15 years 15 years
Additional 100% of Sum Assured 20 years 20 years
(max RM 2 million per spouse’s life) 25 years 25 years

Note: Benefits payable are subject to terms & conditions.
*Minimum Sum Assured of RM 1 million for age 50 and below, RM 600,000 for age 51 and above.

By attaching iAccelerating CI to TokioMarine-iMillion

Assuming Basic Sum Assured: RM 1.5 million
iAccelerating Rider’s Sum Assured: RM 1.2 million (Maximum 80% of the Basic Sum Assured)

Claim of any CI covered by ✘ ✔
iAccelerating CI

Amount payable

iAccelerating CI RM 1.2 million
Basic Sum Assured reduced from RM 1.5 million

to RM 300,000 after the claim

**Death/TPD RM 1.5 million RM 300,000

**Accidental Death/TPD RM 3 million RM 600,000

**Special Disease RM 75,000 RM 15,000

**Spouse Accidental Death RM 1.5 million RM 300,000

**Assuming any of these events happen after the claims of iAccelerating CI

34

TokioMarine-
iMillion

vs

TokioMarine-
iBig 2

TokioMarine-iMillion TokioMarine-iBig 2

Death or TPD Investment Fund Value plus higher of Investment Fund Value plus higher of
Protection Fund Value or Sum Assured Protection Fund Value or Sum Assured,
deduct any claim on iAccelerating CI or
Spouse Accidental Death

Accidental Death or Additional 100% of Sum Assured Additional 100%, 200% or 300% of Basic
Accidental TPD Sum Assured

Special Disease Additional 5% of Sum Assured
(max RM100,000 per policy)

Spouse Accidental Death Additional 100% of Sum Assured 10% of Basic Sum Assured
(max RM2 million per spouse’s life) (max RM 500,000 per policy)

Lifestyle Reward Increment of 1% of Sum Assured at the
end of every policy year

Loyalty Bonus Extra Bonus: 10% of Basic Sum Assured
Campaign Feature at policy year 30 or Life Assured’s age 70,
whichever is later.

Premium Payment Term 6, 10, 15, 20 or 25 years 6, 10, 15 or 20 years

Coverage Term 15, 20 or 25 years Up to 70, 80 or 90 age next birthday

Minimum Sum Assured 14 days old to 50 years old: RM 1,000,000 RM 500,000
51 years old & above: RM 600,000
Campaign Feature:
Occupational Class A & B: RM 350,000

Critical Illnesses Riders iAdvanced CI iAdvanced CI
iAccelerating CI iAccelerating CI
10% - 15% lower COI as compared to the
CI riders attachable to TokioMarine-iBig2

Waiver of Premium Riders iLife Waiver iLife Waiver
iPayor Waiver iPayor Waiver

Note: Campaign features shall subject to the company’s discretion from time to time

35

MARKETING
COMMUNICATION

COVID-19 INITIATIVES

TTCooOkkiVoIiDMo-a1Mr9inMae eMrdianiclaaeyl sACisaOshisaVtsaInpDcreo-aF1cut9invdeMltyodeseudspiigpcnoaertdloaAunrsdcsulasiutsonmtcaheernsdcdtheuerinFTgouktihnoisdMdaifrfiinceult time.

CTmeahxrOeeipsdeVriicensafIsedDlerepsrs-elatid1hgnansb9teytrdhMeMatsotiunedlpitsodrftorrnioyvcomiodtafechlHoaoEvesseaspxrliitstCphatalOeMinsVacnaeItlDiasoty-neo1si9dsoa.uu(TerAMhetsOoilsigsHCbib)iOesltenVotecIaafDuints-nyw1toc9iMlmleCOreeaHritsmedwgbeouhsrroyisgeh3na/am4vt/eee5dditnihpcdaariilvtviadtueal

hospitals.

Post COVID-19 Vaccination Support medical
TpehlxaicsnlusbsetihonanetfoidtnoispndroeetvsceiognvnteievrdepfmoosretodCuicrOineVeliI/gDtribe-1lae9tmcvueasnctcto.imnaetriosnw, hi.oe.hmaveediicnadlivpildaunasl with general

MCO MASTERCHEF SOCIAL MEDIA CONTEST
chtDooouomsrkpienirn-gegcaoMtdohCkepOemodse2idts.i0vi,se,ihnwevceislbu.eldaTsiunhangemcrrehiocewnedg,eavrteehMgethaeprsteauteebbrllreiCcohautoennfddecsnCoconhoftinuecersoatsmgeoepnNetohteiutewiromYnSetowoacirsitahhdlaidMsrihfeefeedtsrhie.aeniprt ages

36

MARKETING
COMMUNICATION

World Health Day
Campaign

As a Hokenbito, we propose more than the best
life insurance solutions and deliver our service
with commitment, we are also here to care and
support our customers and public by promoting a
healthy lifestyle.
A series of YouTube live events were conducted in
conjunction of World Health Day to encourage the
public to stay active and strengthen their physical,
mental and emotional health.
The activities of the series included Zumba, Food
& Mood, Sound Healing and Health Talk.

37

TOP 3 CLAIMSSTATISTIC
BY CLAIM AMOUNT & CASES

* The statistics is based on TMLM claims reported during 1 Jan 2021 - 30 June 2021

RM8,756,959 116 CASES

Coronary Heart Disease RM5,018,148 DEATH Cancer 57
Coronary Heart Disease RM4,023,697 CLAIM
Cardiomyopathy Breast Cancer 14
Inflammatory/Heart RM841,430 Colon-Rectum Cancers 12
Coronary Artery By-Pass Surg. RM134,993 Other Cancers 10
Cancer Liver Cancer 7
Colon-Rectum Cancers RM18,028 Lung Cancers 4
Breast Cancer RM2,851,345 Lymphomas 2
Stomach Cancer Prostate Cancer 2
Liver Cancer RM899,953 Stomach Cancer 2
Other Cancers RM650,370 Oral Cancer 1
Lung Cancers RM373,953 Ovary Cancer 1
Prostate Cancer RM317,766 Pancreas Cancer 1
Lymphomas RM215,712 Uterine Cancer 1
Pancreas Cancer RM151,936
Ovary Cancer Coronary Heart Disease 45
Uterine Cancer RM95,119
Oral Cancer RM66,389 Coronary Heart Disease 28
Liver Disease RM49,737 Cardiomyopathy 14
RM17,772 Inflammatory/Heart 2
RM12,022 Coronary Artery By-Pass Surg. 1

RM616 Respiratory Disease 14
RM887,466
Influenza & Pneumonia 11
Tuberculosis 2
Asthma 1

RM4,900,000 63 CASES

Cancer RM3,156,667 CRITICAL Cancer 33
Cancer RM2,241,833 ILLNESS
Colon (excluding rectum) CLAIM Cancer 27
Prostate Cancer RM360,000 Cancer - Early 2
Cancer - Early RM240,000 Colon (excluding rectum) 2
Breast Cancer RM194,833 Breast Cancer 1
Coronary Heart Disease RM120,000 Prostate Cancer 1
Heart Attack RM1,512,500
Coronary Artery Disease RM566,000 Coronary Heart Disease 21
Other Serious Coronary Artery RM535,000
Oth Serious Coronary Artery-Er RM340,000 Heart Attack 9
Angioplasty and other invasi Coronary Artery Disease 7
Special Benefit RM35,000 Angioplasty and other invasi 2
Stroke RM33,500 Other Serious Coronary Artery 2
Special Benefit 1
RM3,000 Oth Serious Coronary Artery-Er 0
RM230,833
Other Dread Disease 3

Stroke 3

Systemic Lupus Erythematosus 3

RM1,815,511 6 CASES

Accident RM1,500,000 Stroke 3
Stroke RM163,554 Metabolic Disease 2
Metabolic Disease RM151,957 Hypertension 2
Hypertension RM151,957 Accident 1

TPD CLAIM

38

Death Claim

By Gender, Age Band & Claim Description

Claim Description No. of Claim Amount
Contract (RM)
Female
21-30 1 110,018 CLAIMS
Cancer 1 110,018
31-40 11 367,882 S TAT I S T I C
Cancer 6 137,992
Other Diseases 3 57,000 CI Claim Medical Claim
Stroke 1 22,595 At A Glance
Respiratory Disease 1 150,296 By Gender, Age Band & Claim Description
41-50 15 537,857
Cancer 10 422,100 Claim Description No. of Claim Amount
Coronary Heart Disease 1 17,437
Other Diseases 1 21,748 Female Contract (RM) 11.4%
Stroke 1 10,219 4.0%
Respiratory Disease 1 51,796 11-20 1 119,000 4.7% 16.6%
Kidney disease 1 14,558 Cancer 1 119,000 4.9% 14.1%
51-60 20 837,572 21-30 2 95,833
Cancer 9 472,545 Cancer 1 75,833 9.1%
Coronary Heart Disease 4 117,605 Systemic Lupus Erythematosus 1 20,000
Other Diseases 6 180,516 31-40 9 847,269 9.7% 13.3%
Covid 19 1 66,905 Cancer 5 600,000
61-70 22 579,491 Others 1 67,269 12.3%
Cancer 4 137,796 Other Dread Disease 1 30,000
Coronary Heart Disease 1 16,580 Systemic Lupus Erythematosus 2 150,000
Other Diseases 11 251,917 41-50 12 1,426,379
Stroke 1 11,439 Cancer 7 960,000
Respiratory Disease 1 26,766 Coronary Heart Disease 1 100,000
Kidney disease 1 24,863 Others 3 296,379
Liver Disease 1 13,987 Organ Transplant 1 70,000
Metabolic Disease 1 17,900 51-60 7 266,833
Lung Disease 1 78,243 Cancer 6 246,833
71-80 14 356,790 Other Dread Disease 1 20,000
Cancer 2 125,334 61-70 2 170,000
Other Diseases 9 190,404 Cancer 1 120,000
Respiratory Disease 1 27,318 Stroke 1 50,000
Kidney disease 1 1,440 71-80 1 106,050
Metabolic Disease 1 12,295 Others 1 106,050
81-90 8 369,938
Other Diseases 7 264,456 Total (Female) 34 3,031,365
Kidney disease 1 105,482
91-100 1 31,875 Male 1 60,000
Other Diseases 1 31,875 1 60,000
Total (Female) 92 3,191,423 21-30 9 683,000
Cancer 2 45,000
Male 1 14,234 31-40 5 398,000 Injury, poisoning and certain other consequences of external causes
11-20 1 14,234 Cancer 1 160,000 Diseases of the digestive system
Accident 12 1,564,598 Coronary Heart Disease 1 80,000 Diseases of the circulatory system
21-30 5 234,065 Stroke 16 1,484,500 Neoplasms
Accident 1 300,000 Other Dread Disease 7 680,000 Diseases of the musculoskeletal system and connective tissue
Coronary Heart Disease 5 991,159 41-50 8 754,500 Diseases of the genitourinary system
Other Diseases 1 39,374 Cancer 1 50,000 Diseases of the eye and adnexa
Suicide 21 2,055,968 Coronary Heart Disease 13 767,972 Diseases of the respiratory system
31-40 1 50,000 Kidney disease 1 10,000 Certain infectious and parasitic diseases
Accident 1 30,844 51-60 7 260,000 Others
Coronary Heart Disease 10 1,540,856 Cancer 2 417,139
Other Diseases 1 85,033 Coronary Heart Disease 1 20,833 Medical Claim Diagnosis Claim Amount %
Stroke 3 158,251 Others 1 10,000 (RM)
Respiratory Disease 1 42,076 Stroke 1 50,000 Injury, poisoning 16.6%
Liver Disease 2 81,353 Blindness 4 654,620 and certain other 8,719,780
Metabolic Disease 2 67,554 Bacterial Meningitis 1 240,000 consequences of external 14.1%
Covid 19 31 4,147,767 61-70 2 389,620 causes 7,395,422 13.3%
41-50 2 39,683 Cancer 1 25,000 Diseases of the digestive 6,994,965 12.3%
Accident 1 2,040 Others system 6,440,802 9.7%
Cancer 6 1,330,106 Loss of Hearing/Deafness 43 3,650,092 Diseases of the circulatory 5,085,934
Coronary Heart Disease 13 1,526,320 system 9.1%
Other Diseases 3 237,693 Total (Male) 77 6,681,457 Neoplasms 4,769,202 4.9%
Respiratory Disease 3 140,676 Diseases of the 2,580,059 4.7%
Kidney disease 1 764,790 Grand Total musculoskeletal system 2,488,145 4.0%
Liver Disease 2 106,460 and connective tissue 2,092,373 11.4%
Covid 19 48 4,136,877 * The statistics above is based on claims reported during Diseases of the 5,983,309 100%
51-60 1 81,881 1 Jan 2021 - 30 June 2021 genitourinary system 52,549,992
Accident 4 370,372 Diseases of the eye and
Cancer 14 2,010,539 TPD Claim adnexa
Coronary Heart Disease 17 869,533 Diseases of the respiratory
Other Diseases 1 60,000 By Gender & Age Band system
Kidney disease 2 25,434 Certain infectious and
Liver Disease 2 101,808 Claim Description No. of Contract Claim Amount (RM) parasitic diseases
Metabolic Disease 7 617,309 Female Others
Covid 19 51 1,777,656 21-30 1 20,000 TOTAL
61-70 1 46,908 41-50 1 41,104
Accident 13 796,728 Male * The statistics above is based on claims received from
Cancer 8 348,091 31-40 4 1,858,550 01/01/2020 to 31/12/2020
Coronary Heart Disease 15 267,893 41-50 4 163,900
Other Diseases 4 137,922 51-60 4 112,841 Gender No of Case Claims Amount (RM)
Stroke 3 59,932 61-70 3 206,796 Male 5,272 27,862,394
Respiratory Disease 4 41,178 Grand Total 17 2,403,192 Female 5,192 24,687,598
Liver Disease 1 11,006 Total 10,464 52,549,992
Metabolic Disease 1 24,149
Lung Disease 1 43,848
Hepatitis 39 2,838,624
71-80 7 276,420
Cancer 7 413,254
Coronary Heart Disease 21 1,745,583
Other Diseases 2 86,551
Stroke 1 136,590
Respiratory Disease 1 180,226
Metabolic Disease 11 994,446
81-90 2 433,692
Coronary Heart Disease 8 553,032
Other Diseases 1 7,722
Kidney disease 1 151,832
91-100 1 151,832
Other Diseases 215 17,682,002
Total (Male)
307 20,873,426
Grand Total

* The statistics above is based on claims reported during * The statistics above is based on claims reported during
1 Jan 2021- 30 June 2021 1 Jan 2021 - 30 June 2021

39

NATURAL PARKS THE SEAFOOD

There are also entire islands dedicated to being Croatia is blessed with excellent local produce. On the
national parks. With eight parks in total it is good Dalmatian coast, many seafood restaurants specialize in
to get advice as to the best for you as some can be freshly caught fish. Three must-order dishes: “Fuzi, the fresh,
overrun at certain times of the year. handmade pasta of Istria, covered with organic butter and
white, shaved truffle. The Scampi alla Buzara in the northern
THE GAME OF THRONES APPEAL Adriatic. Another delicious option in coastal areas is crni rižot

Many sites throughout Croatia have (black risotto), made with squid ink and other seafood.
been made even more famous today
as filming locations for HBO’s original ADVENTURE SPORTS
series. Between Split and Dubrovnik,
one can travel across the mythical Indulge outdoor passions
Narrow Sea from King’s Landing in such as hiking, biking,
the west to Meereen and Slaver’s rock climbing, scuba
Bay in the east.
diving, windsurfing and so
AWARD-WINNING much more with fantastic
WINE PRODUCERS
mountain top views
Croatia is a major wine
producer. Delightful BEACHES
vintners are dotted all
over the country – small There are 997 islands to
private wineries in explore with some are
stunning locations.
secluded beach or cove. To
name few of the well-know
islands in Croatia are Hvar

and Korcula

THINGS
ABOUT

CROATIA

RICH IN HISTORY AND CULTURE

Packed with historic UNESCO World Heritage sites, Croatia
features influences ranging from Roman and Illyrian to
Venetian and Austro-Hungarian. Places of visit include
Diocletian’s Palace in Split, Trogir’s Renaissance architecture,
the Roman Amphitheatre of Pula, the Greek heritage of Vis
island, the Venetian heritage of Hvar and Rovinj and the
Austrian heritage of Zagreb.