Daruma - 08 September 2020 Issue

DRAU
MA

08

1ST 2019

CHAMPION

OF TOP AGENCY MANAGER

GRAND CHAMPION

OF TOP ILP AGENCY MANAGER

MEGA 4TH RUNNER–UP

OF AGENCY BUILDERS’ CLUB

AGENCY GRAND MEGA AGENCY
RECORD BREAKING AGENCY MANAGER

GRAND MEGA’S
COVER STORY

AGENCY NEWSLETTER
NO. 08 JAN – JUN 2020
SEPTEMBER 2020

FOR INTERNAL CIRCULATION ONLY

Events / Tours

01 Message from the CEO
02 Message from the DCEO
02 Message from the CAO

Spotlight Events in TMLM

03 2020 AAP & MDRT Videography and Photo
Shooting
04-05 2019 Top Performers
06-07 2020 MDRT Achievers

Agent’s Spotlight

08-11 Grand Mega Agency Cover Story
12 2021 MDRT Requirement Reduce
13-17 2020 MDRT 1st Time Members Cover Story

Recruitment Highlights

18-19 T-Marine Corp and T- Marine Potential Unit
Manager Updates
20 TMC Promotion to AUM (as at July 2020)

Training Highlights

21 The MDRT Circle Awaits You

TM inTUNE 2020 AAP & MDRT

22-23 Special Edition: Reinventing the Business Videography and Photo Shooting
of Protection - The New Normal
24 New Agency Portal 2019 TOP PERFORMERS
Branch Update
25 Operation Updates
Process Flow to Claim Covid Test and
26 Finacial Income Support for Agent
TMLM Support to Policyholder During MCO
27 Marketing Communication Highlights
28-29 Product Highlight
30-31 BSC Update
32

Statistic

33 Claims

MARKETING COMMUNICATION HIGHLIGHTS

DA
RU
MA

08

1ST 2019 MESSAGE

CHAMPION by CEO

OF TOP AGENCY MANAGER TOI SEE JONG

GRAND CHAMPION Dear agency members,

OF TOP ILP AGENCY MANAGER First and foremost, I hope that you and your loved ones are safe and
well. I would like to thank you for your commitment to our customers
MEGA 4TH RUNNER–UP during this unprecedented Covid-19 crisis.

OF AGENCY BUILDERS’ CLUB From the early stages of the pandemic, we ensured that we responded
swiftly to make sure that our customers were able to obtain the latest
AGENCY GRAND MEGA AGENCY information on announcements by the government, Bank Negara
RECORD BREAKING AGENCY MANAGER and Life Insurance Association of Malaysia (LIAM). The company set
up a RM 1million Covid-19 Financial Support Fund which provides
GRAND MEGA’S a special lump sum Compassionate Benefit for policyholders and
COVER STORY their immediate family members who pass away due to Covid-19,
and extended our medical coverage to customers who require
AGENCY NEWSLETTER hospitalisation treatment related to the disease. We are pleased to
NO. 08 JAN – JUN 2020 be of support to our customers, and we hope that our initiatives relief
SEPTEMBER 2020 their financial worries as they deal with the pandemic itself.

FOR INTERNAL CIRCULATION ONLY Whilst we have been compliant to social distancing during the
restricted movement periods, we acknowledge that it may have been
CONTENT EDITOR & ART EDITOR challenging for you to conduct your business. We hope that the online
Agency Planning new business submission enhancement was helpful to assist you get
Lim Chui Ling back on track. To complement the online submission processes, we
made web forms available for customers to submit e-Claims on the
CONTRIBUTORS Customer Portal without having to download or upload any forms.
Agency Planning To make the process seamless, videos were developed to provide
Chee Poh On, Cynthia Chong & Cheow J-Sern guidance to customers on how to use the portal while staying safe at
home. A one-stop customer survival kit was created on the website
Agency Business Strategy to help customers with their self-servicing needs. We thank you for
Chua San Kuang & Eugene Choy also doing your part to keep our customers posted on the efforts. We
must give credit to the agents who went the extra mile to help our
Agency Business Development customers with their hospitalisation claims due to Covid-19. You’ve
Amber Loh, Carmen Chhoa, Danielle Leong, demonstrated the credibility of a “Hokenbito” and truly represented
Jamie Yap, Jason Lim, Jonathan Koek, Ice Chan, TMLM as a “Good Company”.
Shanice Lau, Tengku Harizul, Yee Kok Hong
Throughout this whole period, I am personally thankful for the
TMTDA smooth and quick transition in ensuring business continuity, including
Heidi Chong the staff who adapted to work-from-home. We should keep in mind
that our hard work is far from over. We have been on the track of
Actuarial Department digitalisation for the past few years, but this unique situation has
accelerated our online transition. It is vital that we continue to move
Corporate Communications & Advertising forward and leverage on this opportunity to keep evolving digitally
Jacleen Jacinta Martin & Chin Kachin be it with our customers, colleagues and our communities. In line
with the “new normal” and our continuous initiative to go green, our
IT Department company is looking at a streamlined digital work process to increase
Richard Yu overall productivity and reduce the use of paper in our daily work
practices. The “Paperless Project” will bring new trials to the working
Operations team, but I have faith that we are up to the challenge by working
Rachel Chin, Dr Parveen Kaur & Soh Pei Ling together and supporting each other.

Propositions & Pricing Department As our country is in economic recovery, TMLM is on the same
journey to ensure our business continues to succeed. Keep in mind
that the pandemic is not over. We should continue to stay safe as
we creatively find new ways to live the “new normal”. Take every
precaution necessary to stay healthy.

1

MESSAGE MESSAGE

by DCEO by CAO

YOSHIAKI OKABE LIEW KIM WAH

岡部 養明

残暑お見舞い申し上げます。 Welcome to the 2nd half of 2020!

(Late Summer Greetings to you!) Dear beloved agency field force, the COVID-19 situation has
evolved further and we are now dealing with a critical challenge.
We are in a New Normal. Understandably, there is a great sense of unease everywhere during
the current movement restriction but this has not defeated our spirits
MCO was quite an unusual experience for everyone. There have to continue our duties as responsible agents by promoting the
been many changes in our lives and returning to the old world seems importance of insurance to our prospects. Your commitments makes
unlikely. We struggled with the inconvenience of not being able to all the difference and I am very glad and proud that you have helped
meet our friends and visit places as we used to. We comply with the the company during this crisis.
social distancing guidelines, to protect ourselves and those around
us. I am glad to see that sales is picking up. Despite the difficult
environment which we were operating in, we have achieved RM39.2
Hygiene has become the most important aspect in our daily lives. million in sales and have welcomed 568 new agents on board in the
Although our lives are upheaved by the changes brought by 1st half of 2020. These results are far from the production of 2019 but
COVID-19, I am proud to say that there are many things that have I am glad that we are together to brave through these tough times.
not changed even in a New Normal, such as the value of the health
care financial protection, the importance of insurance agents, the I would also like to remind you of the special responsibility that our
passion and sincerity to achieve something. company has during this time. Health care is essential to people’s
lives. In moments like these, our purpose and values matter a lot to
I would like to convey my message that we do not want to return to the people and communities we serve. The Agency 2020 theme of
the old world. The New Normal is a golden opportunity for us to make “Mission 2020, 5000” is a timely reminder for all of us especially
a transformation. Digital technologies have positively changed the during the pandemic to seize the opportunity to start building a strong
way we communicate. Despite the conditions we are facing due to foundation for the future. We can no longer afford to go back to the
COVID-19, the pandemic has brought awareness to new possibilities old way of doing things.
and is reviving new methods to sell insurance. Operational processes
should be modified to improve effectiveness and efficiency. In this Business must go on and the best way to carry this practice is to
world of optimization, we need to be innovative in how we work and move towards digitalisation. I am pleased to inform that T-Marine Pro
then we can be productive while freeing more time for us to other 2.0 e-submission and the New Agency Portal are now available to all
areas. our agency force members. My sincere appreciation to all the pilot
users who have participated in the pilot run of T-Marine Pro 2.0 as
TMLM has launched T-Marine Pro2.0 in May 2020. It is an enhanced we recorded all time high submissions of RM5.1 million as at the
version of our previous T-Marine Pro, with improved functions and time of writing. More than 1100 users have login, of whom 427 have
more user friendly features. The company will continue the initiatives submitted cases since launch. This is a great start considering the
to improve T-Marine Pro, as it will be the new standard of our launch was during RMCO. As such, I would like to urge all agency
business process. Moving forward we plan to cease the usage of members to fully utilise this platform.
paper in our operational process, which will improve productivity and
security while being eco-friendly. Remote Sales or less-Face-to-Face I am pleased to note that 3 agents have already achieved the MDRT
Sales is not an easy practice to adopt, but it will give us the improved benchmark. It is advisable to take this opportunity to qualify for the
quality of life if we could manage it effectively. We need to change MDRT membership this year as the requirements are much lower
the way we think to maintain and further improve our productivity in now by 20%. For the company Main Tour, I am pleased to see 18
a New Normal. agents and leaders have already achieved the 2020 Agency Tour
and Elite Tour benchmark. Please join me in extending our heartiest
Another truth is that we cannot afford to go back to the old way of congratulations to these outstanding performers and I trust their
doing things. We are now at the turning point of history and in the achievements will provide timely encouragement to the rest of the
midst of Digital Transformation. No one has found the best methods, agency force to leg out the ultimate push in the final 3 months.
and everyone needs to think proactively and boldly.
Let us work together for MISSION 2020, 5000!
TMLM will continue to try our best to lead an innovative business
strategy and improve our support to the Agency Force. I also request
the Agency Force to think boldly and propose constructive ideas to
us. We will make a bigger impact if we worked together.

Let’s make the New Normal a trigger point for our transformation, and
create a wonderful Normal to our future!

2

Spotlight Events in TMLM

2020 AAP AWARDEES & MDRT QUALIFIERS

PVHIDEOTAONGD SRHAOPHOYT
SESSION

by Lim Chui Ling, Agency Planning & Support Congratulations
to all our 2019 Top
A photoshoot and videography session was arranged on the 13th – 18th January 2020 Achievers and 2020
at Menara Tokio Marine Life, Kuala Lumpur with the purpose of acknowledging the MDRT members!
efforts of the awardees from the previous year. TMLM’s 53 top achievers countless Each and every one
efforts were recognized as they provided their testimonials in the 2020 Million Dollar of you have are our
Round Table (MDRT) video interviews and personal sharing to the management. heartfelt thanks!

Over the years, the company has been actively promoting the international prestigious 3
award, MDRT qualification with the purpose of increasing the number of quality agents
in our agency force. TMLM aims to develop the careers of the field force as professional
life advisors by rewarding exceptionally skilled agents with deserving prizes such as
luxury watches and cash rewards via contests, photoshoots and video interviews.

This year’s 2020 MDRT photoshoot was aptly conjoined with the theme of TIME
magazine; to honour and feature great achievements of our MDRT members that
have shined bright in the industry. This concept combined the use of coloured belts as
used in martial arts rankings that originated in Japan, with a dramatic photography that
brought out the personality of each and every MDRT member.

Spotlight Events in TMLM

Front From Left: Rumayee A/P K Muthusamy, Dau Kue Lian, Cheng Kwee Lan,
Asia Ace Agency Sdn Bhd, Ng May Ling, Jayakumari A/P Gopal, Lee Mou Yen
Middle From Left: Vanasundari A/P Govindasamy, Wong Chia Yee, Teh Keat Mei, Lee Lai Him,

EPTS Mansion Sdn Bhd, Lee Jia Xuan, Pang Hui Tien, Ng Koon Kooi
Back Fron Left: Saravan A/L Mariappan, Lim Chai Loy, Leong Wai Keong, Cheow Nam Fee, Jessy Chen Agency Sdn Bhd,

Lim Guat Ngoh, Poovaneswaran A/L Thangavalu, Vinoth Kumar A/L Kumaran, Satis Kumar A/L Perumal
4

Award Category MEGA AWARD Agency

Grand Mega Agency Awardees Name Asia Ace Agency Sdn Bhd
Mega Agency MAXX Group EPTS
Mega Agency ASIA ACE AGENCY SDN BHD MAXX Group LLH
Mega Unit EPTS MANSION SDN BHD MAXX Group LLH
Mega Agent LEE LAI HIM MAXX Group LLH
CHENG KWEE LAN
NG MAY LING

TOP PRODUCERS AWARD

Award Category Awardees Name Agency

Champion Top Agency Manager ASIA ACE AGENCY SDN BHD Asia Ace Agency Sdn Bhd
Top Unit Manager CHENG KWEE LAN MAXX Group LLH
Top Sales Manager/ Agent NG MAY LING MAXX Group LLH
Top Rookie Agent DAU KUE LIAN IWC Advisors Sdn Bhd

1st Runner Up Top Agency Manager EPTS MANSION SDN BHD MAXX Group EPTS
Top Unit Manager TEH KEAT MEI MAXX Group GPC
Top Sales Manager/ Agent JAYAKUMARI A/P GOPAL Asia Ace Agency Sdn Bhd
Top Rookie Agent LEE JIA XUAN RMS Advisory Sdn Bhd

2nd Runner Up Top Agency Manager LEE LAI HIM MAXX Group LLH
Top Unit Manager RUMAYEE A/P K MUTHUSAMY Roomas Agencies
Top Sales Manager/ Agent LEE MOU YEN MAXX Group LLH

3rd Runner Up Top Agency Manager JESSY CHEN AGENCY SDN BHD Jessy Chen Agency Sdn Bhd
Top Sales Manager/ Agent PANG HUI TIEN MAXX Group LLH

4th Runner Up Top Agency Manager LEONG WAI KEONG MAXX Group GPC

TOP ACHIEVERS lNVESTMENT-LINKED

Award Category Awardees Name Agency

Champion Top Agency Manager ASIA ACE AGENCY SDN BHD Asia Ace Agency Sdn Bhd
Top Unit Manager CHENG KWEE LAN MAXX Group LLH
Top Sales Manager/ Agent NG MAY LING MAXX Group LLH
Top Rookie Agent DAU KUE LIAN IWC Advisors Sdn Bhd

1st Runner Up Top Agency Manager LEE LAI HIM MAXX Group LLH
Top Unit Manager TEH KEAT MEI MAXX Group GPC
Top Sales Manager/ Agent PANG HUI TIEN MAXX Group LLH

2nd Runner Up Top Agency Manager EPTS MANSION SDN BHD MAXX Group EPTS
Top Unit Manager RUMAYEE A/P K MUTHUSAMY Roomas Agencies
Top Sales Manager/ Agent LEE MOU YEN MaXX Group LLH

3rd Runner Up Top Agency Manager JESSY CHEN AGENCY SDN BHD Jessy Chen Agency Sdn Bhd
Top Unit Manager VINOTH KUMAR A/L KUMARAN Pride Solution Agency
Top Sales Manager/ Agent WONG CHIA YEE MAXX Group LLH

4th Runner Up Top Agency Manager CHEOW NAM FEE MAXX Group CNF
Top Sales Manager/ Agent LIM GUAT NGOH Optimum Life Planners Advisory

RECRUITMENT

Award Category Awardees Name Agency

Champion Agency Builders' Club CHENG KWEE LAN Asia Ace Agency Sdn Bhd
Top Introducers Award LEE MOU YEN MAXX Group LLH

1st Runner Up Agency Builders' Club LIM CHAI LOY Team Tokio
Top Introducers Award NG YOON KOOI Jessy Chen Agency Sdn Bhd

2nd Runner Up Agency Builders' Club VINOTH KUMAR A/L KUMARAN Pride Solution Agency
Top Introducers Award SARAVAN A/L S. MARIAPPAN DG Agency

3rd Runner Up Agency Builders' Club POOVANESWARAN A/L THANGAVALU Asia Ace Agency Sdn Bhd
Top Introducers Award
SATIS KUMAR A/L PERUMAL Dharmalingam A/L Sellapen

4th Runner Up Agency Builders' Club ASIA ACE AGENCY SDN BHD Asia Ace Agency Sdn Bhd
Top Introducers Award VANASUNDARI A/P GOVINDASAMY Asia Ace Agency Sdn Bhd

5

Spotlight Events in TMLM

2020 COT
MDRT
JESSY CHEN
QUALIFIERS AGENCY SDN BHD

Jessy Chen Agency Sdn Bhd
Kuala Lumpur

20th Time MDRT
with 5 Times COT

MDRT Qualifiying Life Members

RUMAYEE WONG KING KIEW TAN KOK WAN
A/P K MUTHUSAMY
David Tea Agency Tan Kok Wan Agency
Roomas Agencies Miri Kuching
Johor Bahru
16th Time MDRT 14th Time MDRT
20th Time MDRT

DATO GANESAN LEE NYUK CHU JAYAKUMARI A/P GOPAL VANASUNDARI
A/L K ARUMUGAM A/P GOVINDASAMY
Asia Care Asia Ace Agency Sdn Bhd
DG Agency Miri Butterworth Asia Ace Agency Sdn Bhd
Seremban Butterworth
12th Time MDRT 10th Time MDRT
12th Time MDRT 10th Time MDRT
with 2 Times COT

MDRT Members

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

IWC Advisors Sdn Bhd MAXX Group LLH Optimum Life Planners Advisory Yeow Kee Bian Agency MAXX Group CNF
Kuching Melaka Kuala Lumpur Johor Bahru Johor Bahru

7th Time MDRT 7th Time MDRT 7th Time MDRT 7th Time MDRT 6th Time MDRT

6

EPTS MANSION SDN BHD HII MING TING LIM GUAT NGOH LIM SEE CHEK SIVANESVARY
A/P A ARUMUGAM
MAXX Group EPTS Asia Care Optimum Life Planners Advisory Tokio Stars Group - Linda Agency
Kuala Lumpur Kota Kinabalu Kuala Lumpur Johor Bahru D.Subramaniam
Seremban
6th Time MDRT 5th Time MDRT 5th Time MDRT 5th Time MDRT
4th Time MDRT

PANG HUI TIEN CHUNG SIEW YIAN JULIAN GOH CHEN ZUI KASTHURI THILAGAM KOH KAE LI
A/P CHINAPEN
MAXX Group LLH Team Power Advisory CLY Agency MAXX Group LLH
Melaka Miri Melaka Roomas Agencies Melaka
Johor Bahru
3rd Time MDRT 2nd Time MDRT 2nd Time MDRT 2nd Time MDRT
2nd Time MDRT

KOH YOONG HOE KOO GWO SHING LEE MOU YEN MUHAMMAD SHAHRIZUL SIOW YIN SAN
MUNIR BIN MOHAMED NASIR
MAXX Group CNF Jessy Chen Agency Sdn Bhd MAXX Group LLH MAXX Group CNF
Johor Bahru Kuala Lumpur Melaka Shahrizul Munir Unit Johor Bahru
Penang
2nd Time MDRT 2nd Time MDRT 2nd Time MDRT 2nd Time MDRT
2nd Time MDRT

YEE SHIOW HUOY CHIONG SZE SENG CHONG HOW KEE CORENE GOON SWEE FONG LAU AI LING

Optimum Life Planners Advisory MAXX Group EPTS MAXX Group EPTS MAXX Group GPC MAXX Group CNF
Kuala Lumpur Sibu Kuala Lumpur Penang Johor Bahru

2nd Time MDRT 1st Time MDRT 1st Time MDRT 1st Time MDRT 1st Time MDRT

LEE JIA XUAN TAN CHANG SIEW TEOH SOO JIN WEE WAI MING WONG CHIA YEE

RMS Advisory Sdn Bhd MAXX Group CNF Teik Sin Agency MAXX Group GPC MAXX Group LLH
Kuching Johor Bahru Butterworth Penang Melaka

1st Time MDRT 1st Time MDRT 1st Time MDRT 1st Time MDRT 1st Time MDRT

WONG KE LOONG YEO SEOW MEI *Ranked by number of years qualification and alphabatical order.

TM Legacy Builders MAXX Group EPTS 7
Kota Bharu Kuantan

1st Time MDRT 1st Time MDRT

AGENT’S Spotlight

MR S. MALAIYARASAN

FOUNDER OF ASIA ACE AGENCY SDN BHD

8

Edited by Cheow J-Sern Throughout 30 years of his life with Tokio Marine Life
& Lim Chui Ling, Agency Insurance Malaysia, Mr S. Malaiyarasan has gained more
Planning & Support experience than most would in their careers.

During the course of his eventful career, many questions were asked by his
agents, his clients and staff of Tokio Marine: Where did he first start? Were
there financial difficulties in the beginning? What obstacles has he gone
through? Were there any shortcomings that he had to face and if so, how?
What has he done in order to succeed?

Despite all these questions, one stands out the most,

“Was it worth it?”

Recounting his tale from nearly 3 decades ago, Malaiyarasan has chosen to
start his collection of memories from a significant date, July 1st, 1994. He had
made an overnight decision to become a full-time insurance agent, stopping
all private coaching classes he had ran in a tuition centre since a year before
that. Despite receiving his main source of income from teaching & tutoring,
Malaiyarasan felt that he and his family deserved better, and so he took a leap
of faith by deciding to become an insurance agent.

Being a life insurance agent is no walk in the park as Malaiyarasan soon
found out. There wasn’t a guaranteed monthly salary; commissions from life
insurance were measly that came to be about less than RM1,000; and there
was always a possibility that there weren’t enough clients. Without having
the proper guidance and life insurance background, Malaiyarasan decided
to step-up his game by learning everything about the life insurance industry
from scratch. He toiled day and night, sacrificing all of his interests, rest,
entertainment and even family time.

He read, studied and applied any reading materials that he could come across;
he created and regulated his own system and set of guidelines for his future
agency; he even initiated the tradition of an Annual Conference & Award
Presentation Dinner among many in a continuous list. The accumulation
of small, consistent efforts resulted in an impressive income of RM56,000
for Malaiyarasan at the end of his 1st year as an insurance agent, a truly
impressive accomplishment back in those days.

9

AGENT’S Spotlight

The journey was far from a bed of roses. Headwinds soon came. New
OCC guidelines were introduced, resulting in reduction of commissions, the
pullback of high recognition awards and the cancellation of overseas trips.
Many of his agents soon resigned, and Malaiyarasan had to come up with
an innovative plan due to these unforeseen circumstances. Knowing that the
shortage of manpower would be detrimental to his agency, he focused his
efforts on recruiting more agents to drive sales higher.

Some have loyally remained by his side until today. His persistence and
commitment to his agents and his company earned him a promotion to
become the youngest District Manager (now known as Agency Manager)
in the year 1998. While countless other opportunities had attempted to
poach Malaiyarasan to venture into other forms of side businesses, he had
unwaveringly rejected them all as he held firm to his belief, “Choose one path
and stick to it until you succeed.” And that was what he did.

In time, Malaiyarasan started receiving the Top 5 Agency award nationwide,
his first time being in the year 2006. Having received this award, he envisioned
that he could go further in not only being a top agent himself, but to nurture
agents who would become Champions. Over the next few years, Malaiyarasan
produced agents of the highest calibre, namely but not limited to Mdm
Jayakumari (his wife), Ms Vanasundari, Mr Nijamuddeen, Mr Poovaneswaran,
and Ms Kayalvili all of whom he had moulded to be successful leaders in the
life insurance industry.

While Malaiyarasan developed and brought his agency to ever-increasing
heights, he was never discouraged by healthy competition among other
agencies. Having his champion position snagged away by other agencies

ROAD TO 1st Annual Conference & Promoted to District Manager
Award Presentation Dinner
GRAND (Now known as Agency Manager)
MEGA Being Asia Ace tradition till date
1999
1995

1994

1989 From Teaching Career to
Insurance Career
JOINED
• Joined TMLM on 1st July 1994
as a full time agent

10

only motivated him further to claim back his title. He decided that his ultimate

goal was to break his own company’s record by securing the Mega Agency

Title. Malaiyarasan achieved this goal in 2013. Asia Ace Agency became
the very first agency under TMLM to secure the position of Mega Agency
Title, while Malaiyarasan accomplished an individual award at the same time
as first Mega Agency Manager. With his dedication and perseverance, he

remembers the first time he attained this double success fondly until today.

Year after year, Asia Ace Agency has secured and hoisted the Champion
Mega Agency position consistently. Asia Ace Agency ended year 2019 in a
spectacular fashion when they achieved the Grand Mega Agency Title with
a grand total of RM 10,000,000 in sales, thus sealing his position as the
Godfather of Asia Ace Agency. In his own words, Malaiyarasan would like to
share his motto to the entire agency force of Tokio Marine Life and hopes that
agents would adopt it too:
“I Believe, I Change, I Conquer.”

As we come to a close with Malaiyarasan’s memories and experiences, we
at Tokio Marine Life could not help but ask the very same question we asked
at the beginning…

“Was it worth it, Mr Malaiyarasan?”

“Yes, it certainly was.” S. Malaiyarasan to
Asia Ace Agency Sdn. Bhd.
2020
• Strongest Agency nationwide
Biggiest Record Breaking 2019 with 10 Unit Manger

Achieved Grand Mega Agency Title • Successfully create an AM
with total production of RM10 mil breakaway (Poovaneswaran
Agency)

2015 Make a Come Back
- 2018
1st Agency to achieve RM8 mil
for 4 consecutive years

1st Agency to achieve 2013 2014
Mega Agency Title
with 6 mil production

2006 Receiving Top 5 Agency Lost of Champion Position
- 2012 Award in Nationwide
• S. Malaiyarasan lost in father
• Then he lost his DU President

to a car accident
• Persistency ratio below 80%

11

Y

OUR
PROUD MOMENT

IS HERE

YOU DESERVE TO EARN THIS PRESTIGIOUS TITLE!

REVISION OF 2021 MDRT REQUIREMENT

(Revised as at May 2020)

*For more information, please visit www.mdrt.org

20%

MDRT COT TOT

RM417,600 RM1,252,800 RM2,505,600

RM333,600 RM1,000,800 RM2,001,600

12

AGENT’S Spotlight

MDRT

1ST TIME MEMBERS COVER STORY

13

AGENT’S Spotlight

MDRT
1ST TIME
MEMBERS

COVER STORY

Edited by Cheow J-Sern & Lim Chui Ling, Agency Planning & Support

CHIONG SZE SENG the years, the challenges she encountered has
developed her self- esteem and confidence.
MAXX Group EPTS, SIBU
DEALING WITH REJECTIONS AND OBJECTIONS
HER FIRST TARGET Chiong’s first goal in 2019 was Chiong emphasizes on the importance of empathy
to achieve her very first MDRT. Her perseverance, in this business. She always reminds herself to put
diligence and positive attitude are some of her herself into her client’s shoes whenever she meets
attributes that led to her attainment of her 1st Time them in order to propose the best plan that suits
MDRT recognition in TMLM. Encouragement and their financial needs.
support from her agency leader, teammates and
family members was an integral factor in driving THE IMPORTANCE OF SETTING GOALS Chiong
her. Her perseverance paid off when she qualified stresses that goal setting is essential to help her to
for two achievements, 1st Time MDRT and 2 focus and sustain the momentum in pursuing her
STARS UNIT award. career. It also motivates and leads her to improve
her level of personal and professional success.
ON HER SUCCESS She said, “Being MDRT and 2
STARS UNIT qualifier are the best testimonials of HER FUTURE PLAN Having achieved her 1st Time
my success in my career”. Her qualification is a MDRT, Chiong now focuses to achieve her Lifetime
testament of her commitment towards her career MDRT and to be a Mega Star Unit.
as a professional life advisor, which has given
her clients assurance and gained their trust. Over

CHONG HOW KEE DEALING WITH REJECTIONS AND OBJECTIONS
Chong has dealt with numerous rejections from
MAXX Group EPTS, Kuala Lumpur clients, particularly where some insurance policies
follow-ups drag up to a year and still end up being
HIS FIRST TARGET Inspired by his children, Chong rejected by prospective clients. Yet, this has made
has come far to achieve his first MDRT. Chong had Chong to improve and to not dwell too much on his
once set to achieve MDRT within 5 years, but his child past failures. He believes that success is derived
had innocently asked: “Why wait for 5 years?”. from failures as long as he doesn’t give up.
This question struck Chong deep and had given him a THE IMPORTANCE OF SETTING GOALS Breaking
resolution: to get his MDRT qualification now. With a down an ultimate goal into smaller targets is what Chong
newfound realization, Chong set his target and began does when working towards achieving his dreams. He
to toil long and hard to meet customers. With that starts by planning for the day, and then a week, and a
and in his own words, “I did it. I set my targets and month and so on. Chong says, “The accumulation of my
acted on it, and I’ve achieved it.” tiny efforts day by day will eventually reward me greatly
at the end of the journey.” Focusing on smaller steps
ON HIS SUCCESS Achieving his MDRT dream has in order to achieve something bigger has always been
led Chong to a clearer picture on the ways insurance Chong’s motto.
products can be sold. He has struck a balance HIS FUTURE PLAN With his first MDRT qualification
between the conceptual and practical ways of doing and 3 STARS AGENT award in hand, Chong hopes
so and it has helped motivate him towards becoming to achieve MDRT for the next coming years too. He
a more experienced and professional insurance knows that having achieved MDRT once means he
agent. He hopes to use this in servicing his clients could do it again which will bring him ever closer to
better in the future. becoming a Qualifying Life Member.

14

CORENE DEALING WITH REJECTIONS AND OBJECTIONS
GOON SWEE FONG “I am just an ordinary person like the rest, I don’t
like rejections. However, in this industry it is normal
MAXX Group GPC, Penang when your proposal get rejected, I always tell
myself it is ok and try to find out the exact cause of
HER FIRST TARGET Corene’s actual target is to rejection. Corene advises if you are unable to close
achieve 2 STARS AGENT award in 2019, never did a deal with your prospect, do always keep a good
she imagine that she can obtain her 1st MDRT in rapport with them, they will be more than happy to
the same year. She was truly blessed to have finally share a referral to you.
made it to this prestigious award earlier than her
expectation by meeting at least 2 to 3 prospects a THE IMPORTANCE OF SETTING GOALS For Corene,
day. a goal without activities is meaningless. We must
set a goal with action. Wait no more, let’s get
ON HER SUCCESS “It is always a new beginning started.
every year. It may not be easy for me but I will
definitely get better and go further each year” HER FUTURE PLAN Corene regards that year 2020
she quoted. Corene regards this to renewing her is indeed a challenging year for her but she will not
starting point to zero at every start of the year. compromise to the obstacles that she might face
Her humbleness and positive attribute contributed in the coming days. She will do her best to achieve
greatly to her achievement today. MDRT again and in the next 5 years she will set her
target to be promoted to Unit Manager.

LAU AI LING DEALING WITH REJECTIONS AND OBJECTIONS
Facing rejection is common, but what Lau believes
MAXX Group CNF, Johor Bahru is more important is to listen to her customers’
needs and provide the most suitable solution. As
HER FIRST TARGET Lau’s first target has always such, Lau always assesses and thinks of her clients’
been to protect her clients’ financial needs with her wishes to the best of her ability before suggesting a
service in insurance. By sheer willpower and hard product that best suits her clients.
work, Lau has come far in achieving her first MDRT
and the RISING STAR UNIT MANAGER award, and THE IMPORTANCE OF SETTING GOALS Lau
in her humble opinion, an award she would have believes that setting clear targets are important in
never expected to achieve. making sure she is on track with her goals. Being
consistent and building good habits are important
ON HER SUCCESS Lau would like to thank her to her as she did when achieving her first MDRT.
clients for placing faith and trust in her. In her
own words, “It is an honour for me to be able to HER FUTURE PLAN With a calm perseverance, Lau
win the MDRT. Having such a prestigious award iterates that she will achieve the next MDRT and
has inspired me to further service my clients with will continue to be the best within the life insurance
the best quality an insurance agent has to offer. I industry.
feel happy knowing that I’ve helped my clients in
fulfilling their financial needs.”

LEE JIA XUAN, ANGEL foremost important thing” Angel advises. Allocating
time to speak to clients about their needs and wants
RMS Advisory Sdn Bhd, Kuching before proposing the right plan is her way to find
the best financial risk solution for them. Her ‘never
HER FIRST TARGET Angel’s first goal was to reach give up’ spirit paid off. In December 2019, Angel
MDRT at the age of 25 years old. She scheduled successfully qualified for the MDRT, Top Rookies
her appointment regularly with her clients to work 1st Runner-Up and 2 STARS AGENT award.
towards this achievement.
THE IMPORTANCE OF SETTING GOALS Angel
ON HER SUCCESS “I felt truly glad and proud that broke her yearly goal into monthly goals, she feels
my efforts were recognised by the company through her goal is much easier to obtain if she works on a
the 2020 Awards & Recognition”. The trophies monthly basis.
and her MDRT membership are testimonies of
her dedication to her career as a life advisor. She HER FUTURE PLAN “I wish to help more people
believes that the people surrounding her must be get their protection”. Angel strongly believes that
comfortable with her profession first before they insurance is one of the tools that can provide
can trust her service and this greatly relates to her financial security to many. Besides, she also plans
attributes of kindness and honesty. to focus on recruitment this year. She wishes to
earn more money to lead a good life.
DEALING WITH REJECTIONS AND OBJECTIONS
“Listening to what my clients are saying is the

15

AGENT’S Spotlight

TAN CHANG SIEW DEALING WITH REJECTIONS AND OBJECTIONS
“Always be a good listener”. Tan advises to get
MAXX Group CNF, Johor Bahru the client’s objectives clear before proposing any
financial solutions to them because what you
HIS FIRST TARGET Tan’s first goal to reach his first propose may not be suitable to their financial
Million Dollar Round Table (MDRT) qualification needs. Tan believes that persuading clients would
was because the award itself is personal branding. result in one thing, buy or not try. Thus, Tan is not
In order to attain his MDRT status, Tan divided willing to give up on potential customer when they
his yearly target into monthly targets and rigidly have not given up on him.
monitored his personal performance weekly. He
achieved 2 STARS AGENT Award and his very first THE IMPORTANCE OF SETTING GOALS Tan believes
MDRT by end of December 2019. that goal setting is essential for him to keep track
on his performance. He will do a monthly or weekly
ON HIS SUCCESS The idea of attaining MDRT appraisal on his own performance.
qualification is to set him apart from his competitor.
According to Tan, the MDRT award not only serves HIS FUTURE PLAN Qualifying for the 2021 MDRT is
as a benchmark for him, but the award also helped Tan’s next move in his career in TMLM. He’s also
him gain his clients’ trust on his professionalism. determined to build one more MDRT member from
his team.

TEOH SOO JIN DEALING WITH REJECTIONS AND OBJECTIONS
Teoh chooses to deal with rejections & objections
Teik Sin Agency, Butterworth with an open heart and mind. He shares that sales
is never a definite aspect of insurance and that it
HIS FIRST TARGET Teoh’s initial target was to is normal for clients to reject his proposals. Yet,
achieve a 1 Star Unit Agency. Never did he think of with every rejection of a sale there will also be an
MDRT until he met another Agency Manager, Lim acceptance of a sale. Hence, rejections are merely
Chai Loy, who had encouraged him to strive for a obstacles to overcome to achieve great sales.
higher goal and achieve the MDRT award. That was
how Teoh came to be both an excellent role model THE IMPORTANCE OF SETTING GOALS Setting
to his team, and to motivate them to always grow goals are important to Teoh because goals enable
and move forward within the insurance industry. him to picture where he wants to be and the things
he wants to achieve in the long run.
ON HIS SUCCESS Having achieved MDRT in the
year 2019, Teoh has achieved the best results in HIS FUTURE PLAN Teoh’s future plan is to keep
his career to date. In his own words, “It has been on achieving the MDRT award in the next coming
an honour to be able to win the MDRT award and I years. He also wishes to have his dedicated,
would like to give my clients reassurance that we passionate and professional team to always stand
will continue to provide our best service. Thank you by his side, and hopes to achieve the rank of Agency
and I hope that you continue to place your trust in Manager by the year 2023.
my firm and I.”

WEE WAI MING emotionally. Wee says: “Remember, rejections are
temporary. It is what I’ve done in overcoming these
MAXX Group GPC, Penang rejections that has allowed me to set my eyes on
the next target. I’ve also realized through rejections
HIS FIRST TARGET Wee’s 1st target was to achieve that each client is unique, and so I have to put
MDRT ever since he joined the insurance industry. myself in their shoes to get a better view of their
Being a careful person, he has worked according perspective when convincing my clients that life
to his plans and has achieved this goal and his 1 insurance is important for them.”
STAR AGENT award. He was not afraid of obstacles
and challenges and took this as an opportunity to THE IMPORTANCE OF SETTING GOALS Wee thinks
overcome these trials. By doing this, it has made that setting goals are vital or else he would not
him a better person. have a clear picture. In his own words, “An artist
imagines what their portraits will be before
ON HIS SUCCESS Although Wee has succeeded drawing it.” Likewise, an insurance agent must
once in achieving MDRT, he thinks that it has only set a sales target before working hard to achieve
set a new benchmark for himself to perform better. it. Remember, if you fail to plan, you plan to fail!”
He has come to appreciate his policyholders and
would like to thank them for their support. HIS FUTURE PLAN 2020 has been a challenging
year due to the coronavirus, but life goes on for
DEALING WITH REJECTIONS AND OBJECTIONS Wee. He is looking forward to achieving the next
Each rejection toughens Wee up mentally and MDRT!

16

WONG CHIA YEE DEALING WITH REJECTIONS AND OBJECTIONS
“Rejection is a common thing in this industry“. Wong
MAXX Group LLH, Melaka advises to listen to clients’ needs, commitments
and explain the plan benefits and features patiently.
HER FIRST TARGET “My first target in 2019 is to “If they still reject the proposal, don’t dwell in
help 50 families to get their financial risk transfer if the negativity or give up. I always try at least 2
anything were to happen to them. Providing financial times before I move on to the next customer, your
security provides me with a sense of achievement determination could help them when unexpected
every time I close a sale.” As a strong believer of circumstances strike.”
insurance, Wong’s regards that every family needs THE IMPORTANCE OF SETTING GOALS “Being
insurance as the sky is not always blue. new in this industry, I am blessed and proud with my
current achievement for achieving not only MDRT
ON HER SUCCESS Though being a MDRT is a great qualification, but also several company awards
way to gain trust of her clients, Wong’s advises that including the 3rd Runner-Up for Top Investment-
service and professional knowledge are also merely Linked Sales Agent and 4 STARS AGENT
important to her to build the relationship with her recognition with only one goal in as my principle
clients. “Purchasing insurance could be a life time which is to help customers to protect their income
commitment to some. Thus, I always stand in their and assets.”
shoes by understanding their financial commitments HER FUTURE PLAN “I will keep up to my principle
prior to suggesting what would be the best coverage whenever I meet my clients and continue to enhance
that they can afford”. my insurance knowledge in order for me to serve my
clients better.”

WONG KE LOONG prospects via fact finding and deep discussions
before sharing his proposal. Wong advises at times
TM Legacy Builder, Kota Bharu when he gets rejection, he will find out the reason
and continue to maintain a good relationship with
HIS FIRST TARGET Wong’s set his production goal them. He believes that TIME will change one’s mind
in 2019 to achieve MDRT by end of September 2019 if he keep his sincerity in this business.
with his strategy by reaching out to leads, prospects,
existing clients and referrals consistently. He set a THE IMPORTANCE OF SETTING GOALS Wong
daily schedule to contact at least 3 leads per day continuously strives to beat his own record to the
with his HOKENBITO (professional agent) spirit. very least to achieve MDRT qualification in 2019.
His consistency and persistency paid off when he He advises “Goal setting is important; without it you
achieved the 3 STARS AGENT awards and MDRT! will lose focus”

ON HIS SUCCESS Wong has great passion for this HIS FUTURE PLAN Wong’s next plan is to achieve
business. He believes that with his responsible his 2nd MDRT qualification in 2020.
attitude, he is able to build trust within his clients
and provide his professional advice to them.

DEALING WITH REJECTIONS AND OBJECTIONS
He choose to use a slow approach towards his

YEO SEOW MEI, DEALING WITH REJECTIONS AND OBJECTIONS
JENRY “Being open, receptive and understanding clients’
needs is essential in this business” Jenry advises.
MAXX Group EPTS, Kuantan The company may offer a very good plan but if
the plan doesn’t suit their financial needs, try to
HER FIRST TARGET No matter how small the effort, understand what they really need and what they
it has been greatly rewarded for Jenry when she are looking for in order to propose the optimum
achieved her first MDRT in 2019. Jenry set her solutions which satisfies them.
goal to achieve the MDRT qualification once in her
life time. Since she joined the industry in 2016, THE IMPORTANCE OF SETTING GOALS “Goal
her perseverance has won her many company setting is essential to me in order for me to focus on
awards and recognitions. In December 2019, Jenry my current objectives”. Jenry continuously strives
achieved her 1st time MDRT and 3 STARS AGENT to beat her own record. Indeed, she is the first agent
award. in TMLM to obtain 2021 MDRT qualification as at
31 May 2020 during the world crisis pandemic. This
ON HER SUCCESS “Being focused, working marks her consistent 2nd MDRT qualification.
hard and being passionate are my key factors to
success” Jenry sited that having passion for what HER FUTURE PLAN “To achieve Court of the Table
you do is important to achieve your goals. Only with (COT) is my ultimate goal”
passion she can demonstrate her sincerity as an
insurance agent to her clients.

17

RECRUITMENT Highlights

TMC & TMP Updates

By Chua San Kuang, Head, TMC/TMP

T-Marine Corp (TMC)

30 June 2020 marked a memorable day for six TMC participants who graduated as the pioneer batch of TMC-trained Unit
Managers. This first batch of participants have undergone and completed the full 3-year TMC scheme and are certainly brimming
with extreme excitement, delight and pride as they have graduated with remarkably good performances. Their results are in table
below:

TMC-UM Agents’ Performance from 01/07/2019 - 30/06/2020

No. Agent Name Branch AYFP (RM) Total Manpower Unit PR (%)
1 JULIAN GOH CHEN ZUI Melaka 829,072 18 97
2 TOH FONG MING 789,755 51 86
3 SATHISKUMAR A/L MORTHY Miri 565,782 18 90
4 YAP KOK HIN Seremban 488,546 37 89
5 KHAW MAN GEE Kuching 435,012 31 94
6 BALA MURUGAN A/L MUTHU 318,352 17 94
Melaka
Johor Bahru

Julian Goh C. Z. Michelle Toh F. M. M. Satiskumar Austin Yap K. H. Khaw Man Gee M. Bala Murugan
(Chai Lan Yen) (Foo Then Hin) (K. Vinoth Kumar) (CKL Associate) (Lam Chui Peng) (P. Valayutham)

We salute and congratulate the pioneer TMC-UM graduates and hope their performances will serve as an exemplary models to all
aspiring agents who plan to become Unit Managers in three years. Appreciations also go to their leaders (names in bracket) who
have enrolled and guided them throughout the TMC journey.

Completing the TMC scheme as a Unit Manager is certainly not the end of their pursuit for career advancement in Tokio Marine Life
and we wish them a successful progression to become Agency Managers which is the highest hierarchy in the agency structure.

In the first half year of 2020, the following 22 agents were promoted to Assistant Unit Manager:

No. AUM (Promoted in 2020) Plan Branch Direct Leader Promotion
01/01/2020
1 ARUNKUMAR A/L P KUNASEGRAM CP Seremban VINOTH KUMAR A/L KUMARAN 01/01/2020
01/04/2020
2 THIVYAH A/P SAGADEVAN CP Klang DHARMALINGAM A/L SELLAPPEN 01/04/2020
01/04/2020
3 CHAN CHIN CHEAK CP Kuching YONG SIN YEE 01/04/2020
01/04/2020
4 CHOONG GUAN YEE LT Kuala Lumpur EPTS MANSION 01/04/2020
01/04/2020
5 DAU KUE LIAN LT Kuching IWC ADVISORS 01/04/2020
01/05/2020
6 LAW LI PENG SHERINA CP Kuching RMS ADVISORY 01/06/2020
01/06/2020
7 LIEU SHEUE JIUN SG Kuching CHAN KEE CHONG 01/06/2020
01/06/2020
8 NG YOON KOOI LT Ipoh YAP YEE BIN 01/07/2020
01/07/2020
9 NOR SAFIAH BINTI MOHAMMED TAUFIK LT Kota Bharu YEAN CHEE CHIAN 01/07/2020
01/07/2020
10 TAN MEI CHIN CP Kuching ONG SOO CHUAN 01/07/2020
01/07/2020
11 LEE YAN CHEUN CP Miri CHIONG SUI THIEK 01/07/2020

12 KOGESWARI A/P APPA RAO CP Johor Bahru BHARATH A/L SIVARAL

13 SATHISKUMAR A/L LINGAM CP Seremban MOHAN A/L MURUGAYAH

14 ULAGANATHAN A/L JEWA CP Ipoh SELAVATHY A/L SOMSUNDRAM

15 WONG SEAT HENG CP Johor Bahru TAN TOO KHOI

16 FOO XIN WEN CP Miri TEAM POWER ADVISORY

17 LAI SHIAU CHIEN CP Kuching ONG SOO CHUAN

18 MAH KUM WAH SG Ipoh PHOON TIAN LU

19 SARASWATHY A/P SELVARAJ CP Klang BARKAWI RAMULU A/P RAMULU

20 SHAMALA A/P SHANMUGAM CP Seremban VINOTH KUMAR A/L KUMARAN

21 THAMARAI A/P SINNAPPOO SG Klang BARKAWI RAMULU A/P RAMULU

22 G. SIVASUDARI A/P RUBANATHAN SG Klang BARKAWI RAMULU A/P RAMULU

(Please see congratulatory message on following page)

18

3 TMC batches are planned for year 2020 but the intakes for batches 13 and 14 were disrupted by the Covid-19 pandemic
which started in the 1st quarter of the year. Preparations and plans for batch 13 had commenced in February and continued into
March before the implementation of Movement Control Order on 18 March, 2020. The TMC committee decided to proceed with
the organising of TMC13 with all trainings conducted via video conferencing, communications done through group chats and
submissions of business made through remote-sales mode. The performance was encouraging when all 51 participants earned
their 1st monthly allowances with a total production of RM0.5mil. AFYP in April.

With the experience gained in TMC13, TMC14 will be organised as scheduled and managed similarly when it commences in
July, 2020.

TMC15 is scheduled to start on 1 November, 2020, and agents intending to tread on a clear career path* towards becoming
leaders are most welcome to enrol in the T-Marine Corp scheme. By joining TMC, you can proudly tell everyone around you that
“I am joining Tokio Marine Life as a Full Time Life Advisor now and I shall be a Unit Manager in three years!”
* Please view TMC promotional videos on our facebook site: Tokio Marine Life Advisor

T-Marine Potential Unit Manager (TMP)

2020 TMP commenced on 1 April with following 20 participants who share the similar aspirations as TMC participants to become
Unit Managers:

No. Name Branch Direct Leader

1 VISALINI A/P SURESH Alor Star POOVANESWARAN A/L TANGAVALU

2 RAMAKRISHNAN A/L PATHU Butterworth ASIA ACE AGENCY SDN BHD

3 MAGALA SRI A/P KRISHNAN Butterworth SARAVANAN A/L VARATHARAJOO

4 JASMINE SHOBA A/P EDWARDS SELVARAJ Ipoh ASIA ACE AGENCY SDN BHD

5 PRABAGARAN A/L BASKARAN Ipoh KRISHNAN A/L MURUGAN

6 SAI HEMANAND A/L MARIAPAN Johor Bahru BHARATH A/L SELVARAJ

7 CHONG YEW CHIAN Johor Bahru LEE NYUK YIN

8 CHOW YI HONG Johor Bahru LIM SEE WOON

9 LOGESWARI A/P SUPRAMANIAM Johor Bahru NIRMALA A/P N. RAMASAMY

10 BHAVANI A/P SOORIANARAYAN Johor Bahru RUMAYEE A/P K. MUTHUSAMY

11 KANNAN A/L SUPRAMANIAM Johor Bahru RUMAYEE A/P K. MUTHUSAMY

12 KAVITA A/P SUKUMARAN Johor Bahru RUMAYEE A/P K. MUTHUSAMY

13 RAMAMAH A/P APPALANAIDU Johor Bahru RUMAYEE A/P K. MUTHUSAMY

14 RUBAVATHI A/P RAMASAMY Johor Bahru RUMAYEE A/P K. MUTHUSAMY

15 SARASWATHY A/P SINNAPPAN Johor Bahru RUMAYEE A/P K. MUTHUSAMY

16 JENNY LAU CHEN NEE Kuching KUEH SIEW KIAW

17 BERNARD TOH SHU KANG Kuching TAN KOK WAN

18 HELEN HII SIAW YIEN Miri LAU KEE PENG

19 VOON BOO SHIEN (RITA) Miri TOH FONG MING

20 JAYAKUMAR A/L SUBRAMANIAM Seremban SUBRAMANIAM A/L KUPPUSAMY

Have a happy, fun-filled and enriching learning experience in our leader development programs, TMC and TMP.

TOGETHER WE GROW with MISSION 5000!

19

RECRUITMENT Highlights

Congratulations!

Promotion from T-Marine Corp to

ASSISTANT UNIT MANAGER

(as of July 2020)

ARUNKUMAR THIVYAH CHAN CHIN CHEAK CHOONG GUAN YEE DAU KUE LIAN
A/L P KUNASEGRAM A/P SAGADEVAN
KUCHING KUALA LUMPUR KUCHING
SEREMBAN KLANG

LAW LI PENG SHERINA LIEU SHEUE JIUN NG YOON KOOI NOR SAFIAH BINTI TAN MEI CHIN
MOHAMMED TAUFIK
KUCHING KUCHING IPOH KUCHING
KOTA BARU

LEE YAN CHEUN KOGESWARI SATHISKUMAR ULAGANATHAN WONG SEAT HENG
A/P APPA RAO A/L LINGAM A/L JEWA
MIRI JOHORE BAHRU
JOHORE BAHRU SEREMBAN IPOH

FOO XIN WEN G SIVASUNDARI LAI SHIAU CHIEN MAH KUM WAH SARASWATHY
A/P RUBANATHAN A/P SELVARAJ
MIRI KUCHING IPOH
KLANG KLANG

SHAMALA THAMARAI
A/P SHANMUGAM A/P SINNAPPOO

SEREMBAN KLANG

20

TRAINING Highlights

TheMDRTCircle
Awaits You

by Heidi Chong, TMTDA

MDRT is the dream of every life insurance advisor worldwide. MDRT is more than achieving a certain amount of business
income for that year, it has a much deeper meaning for life. It means receiving international recognition as our agents’ meet the
global standard of excellence in the life insurance and financial services business. It also represents an entry into a world class
professional organization that demonstrates exceptional professional knowledge, strict ethical conduct and outstanding client
service. While all that recognition is fulfilling, it also means a personal victory to the agent.

The first session of the AIMS programme entitled “The MDRT Circle Awaits You” was hosted in a virtual space, Zoom on 1
June concurrently in both languages – Mandarin and English. Attended by 374 life insurance advisors nationwide (234 for the
Mandarin session and 140 for the English session), the life insurance advisors were inspired and motivated by the high-powered
presentation by four (4) invited speakers who shared valuable and effective sales habits, best practices as well as inspirational
paths of their MDRT experiences.

In his opening remarks, Mr Liew Kim Wah, Chief Agency Office of TMLM highlighted the company’s performance and continued to
urge everyone to be on a sustainable peak to achieve greater success in their business. To achieve and align one’s full potential
in their goals towards the MDRT Status, a “2020 MDRT Aspirant Contest” was launched as below:

2020 MDRT Aspirant Contest is open to all members of the agency force with the following qualifying criteria:

(i) Qualifying Criteria

No Category Requirement Contest Period

1 Super Early Bird Product AFYP RM50k & Qualify MDRT/ 1 June – 30 June 2020
COT/TOT by year end (Issued by 15 July 2020)

2 Early Bird Produce RM110,000 AFYP & Qualify 1 June – 31 July 2020
MDRT/COT/TOT by year end (Issued by 15 Aug 2020)

3 Normal Track Produce RM180,000 AFYP & Qualify 1 June – 31 August 2020
MDRT/COT/TOT by year end (Issued by 15 Sep 2020)

4 For New Agent Qualify MDRT/COT/TOT by year end
– SA contracted in 2020 only

(ii) The Reward

Top of the Table (TOT) Rolex Oyster Perpetual Submariner Watch (worth not more than RM40,000)

Court of the Table (COT) Rolex Oyster Perpetual Milgauss (worth not more than RM30,000)

Million Dollar Round Table (MDRT) Rolex Oyster Perpetual (worth not more than RM20,000)

*Ref circular AGT/077/2020 for further details

MANDARIN Session Speakers ENGLISH Session Speakers

Siow Yin San Julian Goh Wong Ke Loong Kasthuri Thilagam
Chen Zui A/P Chinapen
Consecutive 2 Times 1st Time MDRT
MDRT Qualifier Consecutive 2 Times Qualifier 2nd Time MDRT Qualifier
MDRT Qualifier

AIMS programme is truly a can’t-miss par excellent event for life insurance advisors seeking ways to further develop and enhance
their competency.

21

TM inTUNE

REINVENTING THE
BUSINESS OF PROTECTION

How Tokio Marine are agents adapting to the new normal?

By Cheow J-Sern, Agency Planning & Support

The Covid-19 pandemic has drastically altered the daily and Customers now have the ease to connect with agents remotely
working lives of many Malaysians. For the life insurance and enjoy the convenience of purchasing insurance from their
industry, major changes on the business methods and internal own homes or workplace. Agents who have employed the
processes have been crucial in maintaining appropriate levels usage of T-Marine Pro 2.0 have substantially reduced the time
of cautiousness in the workforce. Insurance agents across taken for a customer to buy insurance. Moreover, an additional
the globe have had to change their ways in approaching benefit of T-Marine Pro 2.0 is its paperless aspect - documents
prospective clients and meeting sales targets during this and contracts can be viewed, downloaded and stored within
downturn. As such, Tokio Marine Life and its agents have a few clicks which is in-line with Tokio Marine Life’s aim in
employed effective and innovative ways to continue carrying ultimately achieving a paperless business environment.
out sales without sacrificing the basic standards and quality of
service pre-Covid-19. This sparks the question, how have our Merely introducing a new application for all agents is not
agents adapted to this new norm? enough. Some agents that do not own a digital device may
have difficulty accessing and using T-Marine Pro 2.0. As such,
In dealing with the outbreak and complying with social the company has organized a contest: T-Marine Pro 2.0 iPad
distancing guidelines, digitalisation is no longer a choice Contest, to provide agents an opportunity to win and own an
but a necessity. With the recent launch of T-Marine Pro 2.0, iPad for themselves. As at 23rd June 2020, we are proud to
our field force have responded well to the changes and are share that 83 of our agents have successfully qualified for an
currently ramping up utilisation of the application when selling iPad and many more have voluntarily registered to be pilot
insurance. T-Marine Pro 2.0 is an online peer-to-peer platform users. This marks a very progressive step for Tokio Marine Life
designed to enable agents perform their sales process quickly agents in supporting the company’s goal of providing insurance
and effectively. The steps to use the platform are simple: accessibility to its customers, while keeping up and learning
new technologies in the competitive insurance industry.
1. Tokio Marine Life’s agent contacts a prospective client.
2. The agent will perform fact finding to obtain the personal The company and its agents have persevered in the wake of
the pandemic and will continue to do so while the coronavirus
details of the client and enters the details via T-Marine Pro lasts. If there was a fitting time to implement these new
2.0. changes, this would be the most appropriate time to ensure
3. An electronic copy of the proposal form is then sent to the we are fully equipped. Our agents continue to adapt in the ever
client for his/her signature. Once signed, the form instantly changing insurance landscape as innovative ideas are realised,
goes through a system to check whether an underwriting new systems are created, and regulations are revised. As the
process is required. economy gradually recovers and the dust settles, Tokio Marine
4. Clients can then proceed to make premium payments and Life and its agents will continue to move in the direction that it
their standard policies will be issued immediately. has known since it was founded, forward.

22

Top 10 T-Marine Pro 2.0 e-Sub by NOC

No Name Branch Agency NOC
1 CHIN SHI HUI JB CHEOW NAM FEE 18
2 PAVITRAN A/L TAMIL SELVAN ASIA ACE AGENCY SDN BHD 17
3 AMUTHA A/P RAMULU BTTW DHARMALINGAM A/L SELLAPPEN 16
4 LOO LQI KIM KL OPTIMUM LIFE PLANNERS ADVISORY SDN BHD 15
5 THILIP A/L MUNIANDY KL DARSHAN SINGH A/L ATTAMA SINGH 15
6 JODHI A/P RAMASUNDRAM PEN RAMASAMY A/L SIMAMUTHU 14
7 SYASTINI A/P KUMARAN JB UTHAYARAAJ A/L SELVARAJ 14
8 KASTHURI THILAGAM A/P CHINAPEN SBN RAMASAMY A/L SIMAMUTHU 12
9 PANEERSELVAM A/L MARIMUTHU JB SUGUMARAN S/O GOVINDASAMY 12
10 JAYAKUMARI A/P GOPAL ASIA ACE AGENCY SDN BHD 11
BTTW
BTTW

Top 10 T-Marine Pro 2.0 e-Sub by AFYP

No Name Branch Agency NOC
1 OPTIMUM LIFE PLANNERS ADVISORY SDN BHD KL OPTIMUM LIFE PLANNERS ADVISORY SDN BHD 112,728
2 KOO GWO SHING KL JESSY CHEN AGENCY SDN BHD 84,372
3 LOO LQI KIM KL OPTIMUM LIFE PLANNERS ADVISORY SDN BHD 68,124
4 LAU AI LING JB CHEOW NAM FEE 64,452
5 ONG SOO CHUAN KCH IWC ADVISORS SDN BHD 62,550
6 SUMATHI A/P SELLATHURAI SBN VISVANATHAN A/L ANGAMUTHU 56,988
7 VIKNESON A/L GANESON SBN VINOTH KUMAR A/L KUMARAN 56,160
8 CHIONG SZE SENG SBU EPTS MANSION SDN BHD 54,432
9 EPTS MANSION SDN BHD KL EPTS MANSION SDN BHD 54,300
10 CHIN SHI HUI JB CHEOW NAM FEE 53,016

T-Marine Pro 2.0 e-Sub Category by Product

Branch No of Cases Total AFYP (RM) T-Marine Pro 2.0 e-Sub Category by Product
JOHORE BAHRU 159 645,242
KUALA LUMPUR 109 571,492 Products No of Cases Total AFYP (RM)
PENANG 91 357,960 TokioMarine-iLifeSecure 2 679 2,017,326
BUTTERWORTH 84 267,222 TokioMarine-iBig 2 186 1,552,834
KUCHING 78 364,736 TokioMarine-iFlexSecure 2 23 156,524
MIRI 74 388,745 TokioMarine-iLady 15 31,380
SEREMBAN 73 302,748 Total 903 3,758,063
KLANG 55 187,750
MALACCA 35 130,370 *Note: Data as at 15 July 2020
ALOR STAR 30 81,346
SIBU 24 96,600
KUANTAN 21 80,948
IPOH 18 48,420
KOTA BARU 12 55,010
KOTA KINABALU 4 13,189
SANDAKAN 3 6,000
Total 870
Company Direct 33 3,597,779
Grand Total 903 160,284

3,758,063

23

NEWIntroducing Agency Portal

Major Enhancement

Dashboard Enhanced Comprehensive Persistency
User Interface & details of policy Ratio drop below
To view summary of User Experience
Agency Performance and information benchmark will
Policy Servicing Details trigger alert

Coming Soon

Coming in 3rd & 4th Quarter 2020

Selected self- e-Claim Able to upload Show near real Show near
services e-Form submissions NB Query time data for real time data
pending policy / proposal for AFYP/FYP
24 similar to documents
Customer Portal enquiry production

TM inTUNE branch updates... 4

123

5678

9 10 11 12

NATIONWIDE 2020 CNY BRANCH OPEN HOUSE & BRANCH LUCKY DRAW

CENTRAL REGION 1-2: Klang EAST MALAYSIA REGION 3-6: Kuching | 7-8: Miri | 9-11: Sibu
NEW GROWTH AREA 12-13: Kota Bharu | 14: Kuantan NORTHERN REGION 15-17: Butterworth & Penang | 18-21: Ipoh

SOUTHERN REGION 22-31: Johor Bahru | 32: Melaka

13 14 15 16

17 18 19 20

21 22 23 24

25 26 27 28

29 30 31 32

25

Claimant
admitted to

hospital

Goverment Hospital Private Hospital

Self paid Cashless facility Self paid

Admitted due to : (only applicable for Assured) Admitted due to :
• COVID positive OR • COVID positive OR
• Respiratory tract related illness Admitted due to : • Respiratory tract related illness
• COVID positive OR
(eg Bronchitis, Pneumonia, • Respiratory tract related illness (eg Bronchitis, Pneumonia,
Bronchial asthma etc) OR Bronchial asthma etc) OR
• Person Under Investigation of (eg Bronchitis, Pneumonia, • Person Under Investigation of
COVID -19 (PUI). Bronchial asthma etc) OR COVID -19 (PUI).
please refer Annex 1. • Person Under Investigation of please refer Annex 1.
COVID -19 (PUI).
please refer Annex 1.

Claimant is require to submit doc: No document is required Claimant is require to submit doc:
• Discharge Summary • Attending Physician Statement
• Itemised bill of admission expenses • Itemised bill of admission expenses
• Original receipt • Original receipt
• Covid test result • Covid test result
• Claim form duly completed by • Claim form duly completed by

claimant claimant

Coverage for Life Assured: Coverage for Policy Owner with COVID positive only
a. Admission expenses (w.e.f 20/03/2020 - 30/06/2020):
b. COVID testing cost (regardless test result) a. Financial income support RM250 / day (max 30 days) on:
*With effective from 01/05/2020 until MCO is officially lifted
• Total length of stay at hospital
• Quarantined period at designated centre
b. Death benefit RM10,000
c. Front Line Medical Staff RM10,000 (if dead)

Annex 1 to MoH COVID-19 Guidelines as updated from time to time:

Acute respiratory infection (sudden onset of respiratory infection with at least one of: shortness of breath, cough or sore throat) with or without
Fever AND
Travelled to / resided in foreign country within 14 days before the onset of illness OR
Close contact* in 14 days before illness onset with a confirmed case of COVID-19** OR
Attended an event associated with known COVID-19 outbreak

*Close contact defined as:
■ Healthcare associated exposure without appropriate Personal Protective Equipment (including providing direct care for COVID-19 patients,

working with healthcare workers infected with COVID-19, visiting patients or staying in the same closed environment of a COVID-19 patient).
■ Working together in close proximity or sharing the same classroom environment with a COVID-19 patient.
■ Traveling together with a COVID-19 patient in any kind of conveyance.
■ Living in the same household as a COVID-19 patient.

**Confirmed case of COVID-19 defined as a person with laboratory confirmation of infection with the COVID-19.

26

4 TMLM
Support for
SUPPORTS POLICYHOLDER
During COVID-19
01SUPPORT
1 Mil COVID-19
SUPPORT Financial Support Fund

02 • Compassionate Benefit of RM10,000
• Additional RM10,000 for Front-Line Medical Staff
SUPPORT • Daily Hospital Admission Support of RM250/day

03 COVID-19 Test Fund (CTF)

SUPPORT Fixed cash reimbursement for COVID-19
testing up to RM300 for individuals covered
04 under group or individual Medical and Helath
insurance policies.

Premium Payment Deferment

Eligible policy owners will be given deferment period
of 3 months to pay premium due to their insurance
policy. During this period, we will continue to provide
insurance protection.

Additional Support Enhancement

Scenario: If customer admit to hospital due to illness or
accidental that required to perform Covid-19 test.
Respond: We will cover the Covid-19 testing kit (Rt-PCR test) if
the result is negative with the respiratory related illness (Example:
Bronchitis, Pneumonia, Bronchial asthma etc) admission.
(Applicable from 1st May until MCO is lifted)

27

MARKETING Highlights
COMMUNICATION

Deliver on Commitments

RM 1 million COVID-19 Financial Support Fund

Amidst the COVID-19 outbreak, TMLM set up a RM 1 MILLION COVID-19
FINANCIAL SUPPORT FUND to help customers during this challenging
period. To ease the process, a page was dedicated to help customers navigate
according to their needs. We received good testimonials from customers
who received their COVID-19 claims with ease and sufficient support.

Corporate Social Responsibility

Distribution of 1,000 bottles Hand Sanitisers to Public

During the early stages of the COVID-19 outbreak, TMLM
recognised the shortage of hand sanitisers in the market
and persistently sourced 1,000 bottles to give away
to the public. The exercise was aimed to encourage
hygiene and safety among the community. Mr. Yoshiaki
Okabe, Deputy Chief Executive Officer together with
13 staff took part in this event. The company took the
opportunity to educate the public on the importance
of hygiene through a specially designed precautionary
note attached to each hand sanitiser.

Sponsorship Renewal of OWater

TMLM renewed another year of sponsorship to the OWater Project which helps to provide clean drinking
water to Rumah Perlindungan Rohingya in Ipoh.

28

MARKETING Highlights
COMMUNICATION

To be a “Good Company”

Donation of 1 Million Gloves to Protect
Front-liners against COVID-19

Tokio Marine Malaysia consisting of TMLM (Life) and TMIM (General) partnered
to donate 1 million Nitrile Powder-free Medical Gloves to 6 government hospitals
dedicated to the virus as an effort to protect first responders in the local
healthcare industry. As a Good Company, this donation aimed to ease concerns
over shortages of personal protective equipment faced by front-liners at those
hospitals during the height of the outbreak.

Hokenbito Cares for You

Hokenbito 3D Lettering Light at HQ

At TMLM, we run our insurance business with a sense of social responsibility
to protect customers and with a sense of professionalism. As a pride of this
practice, and as a constant reminder to provide more than just life insurance
solutions, a Hokenbito 3D lettering light was installed at our HQ entrance.

Social Distancing Engagement with As a caring “Hokenbito”, we promote
#KeSanaKeSini Contest secure and healthy lifestyles. We
ran a #KeSanaKeSini social media
contest to encourage our followers
and the public to clock in more steps
on top of observing the Movement
Control Order.

Follow us for upcoming social media
activities:

@TokioMarine.MY

29

From 39 to 48 Types

EXTENSION OF
CRITICAL ILLNESS
COVERAGE

At No Additional Cost

✔ Apallic Syndrome (i.e. Persistent
Vegetative State (PVS))

✔ Chronic Autoimmune Hepatitis
✔ Chronic Relapsing Pancreatitis
✔ Creutzfeldt-Jakob Disease
✔ Ebola Hemorrhagic Fever
✔ Elephantiasis
✔ Poliomyelitis
✔ Progressive Scleroderma
✔ Severe Eisenmenger’s Syndrome

*Applicable to existing and new customers of the selected products

*For details, please refer to AGT/093/2020
30

Refresher of
TokioMarine-iBig 2 Campaign

For TokioMarine-iBig 2 proposed from 4 May 2020 onwards

Guaranteed Insurance Charges for
iAdvanced CI and iAccelerating CI Riders

With this, the insurance charges of basic plan and all riders of
TokioMarine-iBig 2 is all guaranteed

Lower Minimum Sum Assured of
RM350,000 for occupational class A & B

Minimum Sum Assured for occupational class C & D remains RM500,000

Other Permanent Enhancements

Open up all TMLM funds to TokioMarine-iBig 2

TokioMarine-Enterprise Fund TokioMarine-Managed Fund
TokioMarine-Orient Fund Tokio Marine-Dana Ikhtiar
TokioMarine-Bond Fund TokioMarine-Luxury Fund

Revision of minimum coverage term
to 15 or 20 years

Subject to the premium payment term and coverage term selected

*For details, please refer to AGT/062/2020

Coming Soon! Medical Card

A brand new Medical Card

MMeeddiiccaall CCaarrdd

Medical Card

31

BSC KEY CHANGES
IN 2020

GoNoedws

CPD hours revised
from 30 hours to

15 HOURS

2020 Revised BSC KPI

Effective: 15 May 2020

KPI Min Requirement** KPI Weightage
–
No. of Cases / AFYP Not Applicable
20%
Customer Fact Finding (CFF) 70% of Option 1 OR Option 2 25%
30%
Persistency A) 1st Year – 90% 10%

B) 2nd Year – 80% 15%

Substantiated number of Complaints Zero 100%
(Conclusive Complaints)

CPD Hours 15 CPD Hours with 5 Hours Relevant
Program

Total

Note: Please refer to Agency Circular AGT/071/2020 for more info
** Based on Normal KPI of 100%

32

CLAIMS TPD Claim

S TAT I S T I C Total Permanent Disability Number of Contract Claim Amount (RM)

INSURANCE Female ––
31-40 ––
INSURANCE CARD 41-50 ––
NAME SURNAME 51-60
12345678 Male 2 150,000
MONTH/YEAR 00/00 31-40 2 150,000
41-50 2 30,000
51-60 6 330,000

Grand Total

* The statistics above is based on claims reported during 1 Jan 2020 - 30 June 2020

CI Claim Death Claim Medical Claim

By Gender, Age Band & Claim Description By Gender, Age Band & Claim Description At A Glance

Claim Description No. of Claim Amount Claim Description No. of Claim Amount

Contract (RM) Female Contract (RM) 12.0% 18.5%
5.2%
Female 1-10 4 96,943
Other Diseases 4 96,943
11-20 1 30,000 21-30 2 65,354 7.3% 11.3%
Cancer 1 30,000 Accident 1 50,354 8.3%
21-30 2 240,000 Other Diseases 1 15,000
Others 2 240,000 31-40 13 641,516 8.7% 10.2%
31-40 10 636,000 Cancer 4 202,798
Cancer 7 300,000 Other Diseases 7 360,422 8.8% 9.6%
Others 3 336,000 Others 2 78,297
41-50 11 635,000 41-50 29 966,514 Injury, poisoning and certain other consequences of external causes
Cancer 11 635,000 Accident 1 26,304 Neoplasms
51-60 8 660,000 Cancer 16 435,324 Diseases of the digestive system
Cancer 7 610,000 Coronary Heart Disease 2 8,361 Diseases of the respiratory system
End Stage Kidney Failure 1 50,000 Other Diseases 7 415,803 Diseases of the circulatory system
61-70 9 134,000 Others 3 80,723 Diseases of the genitourinary system
Cancer 8 110,000 51-60 20 758,535 Diseases of the musculoskeletal system and connective tissue
Others 1 24,000 Cancer 7 307,821 Certain infectious and parasitic diseases
Coronary Heart Disease 3 75,102 Symptoms, signs and abnormal clinical and laboratory findings, not
Total (Female) 41 2,335,000 Other Diseases 6 206,504 elsewhere classified
Others 4 169,108 Others
Male 2 460,000 61-70 33 1,182,520
1 100,000 Cancer 7 302,835 Medical Claim Claim %
1-10 1 360,000 Coronary Heart Disease 1 56,888 Diagnosis Amount (RM)
3 226,000 Other Diseases 24 764,359
Cancer 1 80,000 Others 1 58,437 Injury, poisoning
1 50,000 71-80 26 1,490,631 and certain other
Others 1 96,000 Cancer 2 31,309 consequences of
2 66,000 Coronary Heart Disease 4 844,526 external causes
21-30 Other Diseases 20 614,796 Neoplasms
1 30,000 81-90 17 567,359 Diseases of the
Cancer Coronary Heart Disease 1 6,912 digestive system
1 36,000 Other Diseases 16 560,447 Diseases of the
Coronary Heart Disease 11 1,437,000 respiratory system
Total (Female) 144 5,769,372 Diseases of the
Others 1 15,000 circulatory system
2 1,050,000 Male 1 13,548 Diseases of the 9,773,468 18.5%
31-40 2 30,000 genitourinary system
Serious Coronary Artery 11-20 1 13,548 Diseases of the 5,983,551 11.3%
Disease 3 160,000 musculoskeletal system 5,397,206 10.2%
Others Accident 17 1,087,981 and connective tissue
3 182,000 10 693,710 Certain infectious and 5,042,300 9.6%
41-50 9 187,000 21-30 parasitic diseases
Accident 2 124,731 Symptoms, signs and 4,640,340 8.8%
Blindness/ Total Loss of Sight 1 3,000 Coronary Heart Disease 4 259,540 abnormal clinical and
Other Diseases 1 10,000 laboratory findings, not 4,576,922 8.7%
Cancer 1 15,000 Others 17 2,518,348 elsewhere classified
2 60,000 31-40 3 1,620,175 Others 4,362,883 8.3%
End Stage Kidney Failure Accident 5 285,675
Serious Coronary Artery 4 85,000 Coronary Heart Disease 9 612,499 TOTAL 3,871,596 7.3%
Disease Other Diseases 57 6,020,720
Others 1 24,000 41-50 2 263,547
2 240,000 Accident 11 638,488
51-60 2 240,000 Cancer 4 734,087
Angioplasty And Other Coronary Heart Disease 29 3,684,652
Invasive Treatments For Other Diseases 11 699,945
Coronary Artery Disease Others 51 3,061,937
Blindness/ Total Loss of Sight 51-60 2 46,905
Accident 7 503,810
Cancer Cancer 8 525,897
Serious Coronary Artery Coronary Heart Disease 28 1,720,652
Disease Other Diseases 6 264,674
Others Others 60 5,682,858
61-70 2 158,130
61-70 Accident 8 916,587
Cancer 10 2,596,241
Cancer Coronary Heart Disease 39 1,981,900
Other Diseases 1 30,000
Total (Male) 29 2,616,000 Others 26 1,160,074 2,761,453 5.2%
71-80 3 264,686
Grand Total 70 4,951,000 Cancer 3 56,791 6,330,334 12.0%
Coronary Heart Disease 20 838,597 52,740,053 100.0%
* The statistics above is based on claims reported during Other Diseases 9 308,348
1 Jan 2020 - 30 June 2020 81-90 3 114,481
Coronary Heart Disease 6 193,867
Other Diseases * The statistics above is based on claims notified as at
238 19,853,814 30 June 2020
Total (Male)
Gender No of Case Claims Amount
Grand Total 382 25,623,186 Male 5,802 28,458,621
Female 5,211 24,281,432
Total 52,740,053
11,013

* The statistics above is based on claims reported during
1 Jan 2020 - 30 June 2020

33

Things to do in

5 NORWAY

Norwegian Fjords

Visit this U-shaped undersea valley, that often surrounded by dramatic mountain scenery.

Art & Culture

Learn about Viking history and visit their religious and historic site and burial mounds

Discover the Splendours of Bryggen Wharf

Visit the line of bright house facades facing the Vågen bay. A chance to see the houses
architecture which dates back to the 13th century.

Get a Taste of Bergen

Sample some of the freshest treasures of the ocean. Try out the fishmongers’ take-away dishes
like fiskekaker, meatball-like fish patties served in burger buns for a truly Norwegian delicacy.

The Great Outdoor

There’s no reason to stay indoors when you’re in Norway. Find fun things to do, whether you are
visiting the coast, the mountains, or somewhere in between.

5 Things to do in
DENMARK

Copenhagen Canal Tour

Visit Nyhavn the 17th-century waterfront, canal and entertainment district in
Copenhagen, Denmark and discover the tales and trivia about the city around the
Canals of Copenhagen.

Pub Crawl Copenhagen

It is a great way to meet new people and interact with the locals to discover the
Danish nightlife scene.

Copenhagen Food

Experience the authentic Copenhagen through its delicious food while listening to
stories about its fascinating history. Enjoy deliciously fresh local food brought to
you in true Scandinavian style.

National Musuem of Denmark

Discover the city’s past while learning about the events that shaped the country.

Tivoli Gardens

Visit one of the world’s oldest theme park in the world.