Tokio Marine Life Insurance Malaysia Bhd. Agency Awards Presentation tokiomarine.com Life & Health | Property & Casualty
RATIONALE 02
Drawing inspiration from the merged worlds of "La La Land” and the exhilarating rush of “Dopamine”, we set the stage of an environment with a colour palette that balances the pursuit of drive, diversity, and vitality, which we strongly believe represents each person that is celebrated and recognised at the 2024 Tokio Marine Agency Awards Presentation(AAP). With its subtle yet elegant colour scheme symbolising vibrancy and modesty, it creates an enthusiastic yet sophisticated atmosphere that helps convey the achievements and milestones of the company's agents. The gold elements also add a dash of elusiveness, with the golden-lined AAP giving a bold statement to symbolise our agentsʼ quality and nobility. In line with our theme ‘The Triumph of Vitalityʼ, we are determined to stand firm even when overcoming challenges and achieving towering milestones. Despite the various challenges we faced in 2023, we appreciate the hard work and commitments of our agents. We are proud of all our agentsʼ achievements, and are optimistic about a resurgence and the potential to exceed targets this year. To reiterate, the theme 'The Triumph of Vitality' reflects our commitment to excellence, success, and appreciation for our agentsʼ achievements. Together, we will navigate challenges with resilience and achieve greatness. AAP 2024 03
I would like to start by saying congratulations to all our top Agents on your remarkable achievements. I am pleased we are able recognise your contributions and commemorate your achievements as distinguished top performers in Tokio Marine Life Malaysia (TMLM), and mark tonight as a special occasion to celebrate your success, serving as a testament to your excellence in our company. Reflecting on the challenges of 2023, it's undeniable that it was a demanding year for both TMLM and the broader insurance industry. 2023 was a very tough year, and I hope amidst these challenges, the agency force will continue to show resilience and determination, as well as learn to improve and adapt to the ever-changing landscape. Despite the hurdles of recent years, I commend the unwavering dedication of our agency members: for their drive to bolster the agency force, increase productivity through recruitment, and maintain consistent activity. Through your passion and relentless efforts, I trust TMLM will achieve commendable success in the face of economic challenges. As part of our efforts to leverage on the digitalisation era, our company will continue to take several measures to amplify various digital initiatives aimed at achieving our objectives and enhancing customer satisfaction. As we look ahead to this year 2024, let us embrace agility and preparedness for the anticipated transformations in our industry, with particular focus on elevating professionalism of our agents and innovating product designs. It is crucial we approach our work with a full-time commitment, delivering top-tier service to our valued customers while maximising productivity. At TMLM, we hold customer trust as our cornerstone, guiding every aspect of our operations and corporate philosophy. Our aim is to be a leading provider of insurance solutions, fostering sustainable growth while exceeding the expectations of all stakeholders. With this in mind, let us all continue our commitment to being a "Good Company," prioritising the needs of our customers and the community, and remaining steadfast in our principle to "Look Beyond Profit”. Lastly, I extend my deepest gratitude to each and every one of you for your tireless dedication. Congratulations once again to all our deserving awardees. May this achievement be a stepping stone to even greater success in the year ahead. Thank you. CHAIRMAN’S MESSAGE YBHG. DATUK JORY LEONG CHAIRMAN TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. 04
I will start by sharing the 2023 achievement of the Company where Tokio Marine Life Malaysia (TMLM) achieved RM 1.76 billion in Gross Written Premium and Annual Premium Equivalent (APE) of RM 284 million. The Agency channel had contributed to 30% of the APE. In 2023, Agency channel fell short of crossing the RM 100 million mark with APE of RM 87 million. The medical claim experience continues to deteriorate with increased utilisation and average claim costs. The silver lining is that First Year Persistency improved from 80% to a commendable 86%. Looking ahead, it is key that the entire Agency force strive to SCALE up in 2024, focusing on quality business with much improved Claims experience and Persistency, and to recruit more productive and professional agents. This is imperative for the sustainable and profitable growth of the Agency business. There are key moments in 2023 that I would like to celebrate. I extend my heartiest congratulations to EPTS Mansion Sdn. Bhd., our Agency Manager Champion for 2023. Under the leadership of Mr. Mason Cha, EPTS has achieved this great success, Top Champion Agency Manager-IL, along with their 7th coveted Mega Agency title, as well as having a Million Dollar Round Table (MDRT) Builder and MDRT 10th Time Qualifying Life Member. Well done Mason and the team in EPTS! Next, I would like to congratulate Asia Ace Agency Sdn. Bhd., who under the leadership of Mr. S. Malaiyarasan, also clinched the Mega Star Agency title. This remarkable win also marks their 10th time receiving this prestigious award. My sincere congratulations also goes to Madam Jaya Kumari for winning the Champion of Sales Manager/Agent, as well as achieving MDRT for the 14th time. Congratulations also to Madam Cheng Kwee Lan for winning the Champion Unit Manager title for 8 consecutive years, as well as being the Champion Unit Manager for Investment Linked and MDRT Builder. I would like to congratulate all 217 of our TMLM awardees for their outstanding performances in 2023. Your impressive achievement will serve as an inspiration and motivation for all of us. In addition, I would like to extend my congratulations to the 48 MDRT members, including notable qualifiers such as Ms. Vanasundari of Asia Ace for achieving Court of the Table (COT) status, and 9 first-time qualifiers to MDRT. I look forward to seeing these numbers continue to rise, reflecting our collective dedication and success. This year in 2024, I look forward to a BIGGER, BETTER, BOLDER achievement from the agency force. Building upon the foundation of Quality Recruitment, I encourage a continued focus on selecting agents who bring excellence to our team, ensuring that we cultivate Quality Business for heightened retention and sustainable agency growth. In closing, let us unite in our endeavour to surpass the RM 100 Million mark this year, symbolising our commitment to constant progress and expansion. In addition, I would like to reiterate the importance of sustainable profitable growth in our business in the form of much improved medical portfolio and persistency. Do continue embodying the spirit of "Hokenbito", to always be available to serve our customers and protect our community, aligning with our core "Good Company" values. Rest assured, TMLM will continue to support and motivate our agency force to surpass previous achievements, guiding all of you on the path to even greater success. CEO’S MESSAGE AAP 2024 MR. TOI SEE JONG CHIEF EXECUTIVE OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. 05
My heartiest congratulations to all the Awardees for your remarkable achievements in 2023. 2023 was another tough year for the life insurance industry in Malaysia. The quality of the business was highlighted in a very broad manner and many companies spent time and energy to produce quality initiatives. This also included Tokio Marine Life Malaysia (TMLM), where we focused on improving the quality of our business, as well as the sales development. We improved the Persistency Ratio significantly in 2023, thanks to the big efforts of our Agency Force. Our journey continues, which cannot be maintained without the joint efforts of the Agency Force and TMLM. I sincerely hope we can work closely together to maintain our quality of business. Medical Claim Ratio has been one of the biggest challenges for us in the past few years. I understand it is not an easy initiative and it can cause lots of confusion. I hope and believe that our continuous efforts would result in it being successful in 2024, and I would like to extend my appreciation for the understanding and continuous support from our Agency Force. Now, I would like to celebrate MAXX Group EPTS, led by Mr. Mason Cha for being crowned the Champion in Top Agency Manager and achieving the Mega Star Agency title. EPTS missed the Mega Star Agency title in 2022, but has made a perfect bounce back as the Champion Group in 2023. I sincerely applaud Mr. Mason and the leaders in EPTS for their consistent management, and all the Agents nationwide for their commitment and big efforts throughout the year. I would like to highlight Asia Ace Agency Sdn. Bhd., led by Mr. S Malaiyarasan, who achieved the Mega Star Agency title at the last minute of the year 2023. 2023 was really a struggling year for Asia Ace, and I would like to applaud them for their “Never Give Up” spirit and achievements by all the Agents. MAXX Group CNF, led by Mr. Cheow Nam Fee has successfully maintained 4 Stars Agency title. Congratulations for this great achievement, but I believe this will be one of many milestones for them. I hope we will see them achieve Mega Star Agency title in the very near future. Last but not least, our sales top line did not reach RM90 million in 2023, which was very difficult for everyone to accept. I understand the Agency Force had a very tough time throughout the year. Agency Force and TMLM are all on the same boat and we cannot bounce back without the ownership by all of us. I would like to once again extend my appreciation for all the support given by the Agency Force. I am confident that we will continue to grow and improve ourselves, as long as we continue the effort with the “One Team” spirit together. Congratulations again to all 2023 Achievers. Thank you! DCEO’S MESSAGE MR. YOSHIAKI OKABE DEPUTY CHIEF EXECUTIVE OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. 06
With great pride and admiration, I extend my warmest congratulations to each of you, the esteemed awardees of Tokio Marine Life Malaysia 2023, on your remarkable achievements. It brings me immense joy to witness the culmination of your hard work, dedication, and extraordinary talents being recognised and celebrated today. My heartfelt congratulations to Mr. Mason Cha from EPTS Mansion Sdn. Bhd. for being awarded the prestigious title of Top Agency Manager, along with the achievement of Mega Star Agency. Madam Cheng Kwee Lan has once again demonstrated exceptional leadership, marking her 8th consecutive year as Top Unit Manager. Let's also recognise Madam Jaya Kumari, representing Asia Ace Agency Sdn. Bhd. as the esteemed Top Agent. Furthermore, the leadership of Mr. S. Malaiyarasan from Asia Ace has played a vital role in upholding the standards of the Mega Star Agency. We proudly welcome 48 members to the 2024 Million Dollar Round Table, despite a slight contraction compared to last year's performance. Rest assured, we are poised to bounce back even stronger this year to support more MDRT members. In the meantime, it's with great pride that we congratulate Ms. Vanasundari for achieving Court of the Table (COT) status for the third consecutive year, demonstrating unwavering consistency and persistence. Additionally, we are delighted to celebrate 10 Qualifying Life Members, especially recognising Jessy Chen Agency for achieving this milestone for the 23rd time, and EPTS Mansion and Chin Shi Hui for reaching their 10th time as Life Members. Despite the challenges of 2023, I extend heartfelt congratulations to the newly promoted Agency Managers, Jong Suk Moi, Chung Siew Yian and Ng Yoon Kooi. We anticipate seeing more talented individuals shine even brighter than ever. Entering a new year filled with resolutions, it's essential to reiterate a few key objectives to our agency force members. Firstly, we are pleased to announce that our persistency ratio has reached a satisfactory level, averaging at 86%. As we remain committed to excellence, our ambition is to elevate and excel, setting our sight on an overall persistency ratio of 90%, propelling our business towards a broader horizon. Secondly, recruiting quality agent is always our main-core subject matter to make the business grow better and wider. Our recruitment target for 2024 stands at 850 pax, a figure we firmly believe is within reach with the collective strength and synergy of our agency force. Our agency has achieved a commendable result of 25 million in Q1, 2024, with a strong positive growth. This year, our focus sharpens on surpassing the 100 million mark in sales, bolstered by our unwavering commitment and strategic vision. Last but not least, as we embark on this journey, let us harness the collective energy and determination of our agency force to overcome the challenges and obstacles that lie ahead, ensuring sustainable growth. Together, let's make this year one of unparalleled growth and accomplishment. CAO’S MESSAGE AAP 2024 MR. TIMOTHY KOK CHEONG WAH CHIEF AGENCY OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. 07
TOP AGENCY MANAGER TOP PRODUCERS 08
Today, I stand before you with a heart bursting with pride as we celebrate an extraordinary achievement - EPTS Group has once again claimed the prestigious title of Double Top Champion in the 2024 AAP! This moment is not just about a trophy or a ranking; it's a testament to the unwavering dedication, exceptional talent, and relentless drive that define each and every one of us at EPTS Group. For over a decade, EPTS Group has been a force to be reckoned with, consistently being among the top 3 contenders in Tokio Marine Life Malaysia. It's a position we've proudly held, a testament to the relentless pursuit of excellence that pulses through our company's DNA. And now, in 2024, we stand tall as the Double Top Champion once more, after 9 years since our last triumph. Our journey to this pinnacle has been one marked by trials and triumphs, challenges that tested our resolve and victories that amplified our spirit. As I look back at the road we've travelled, I can't help but feel an overwhelming sense of gratitude for the incredible team that makes EPTS what it is today. EPTS Group isn't just a company - it's a movement, a community of passionate individuals who embody the values of being Ethical, Professional, Trustworthy, and having Service Excellence. These aren't just words on paper; they are the principles that guide us in every decision, every action, every day. To the incredible team at EPTS Group, I salute each and every one of you. Your unwavering dedication, creativity, and unyielding spirit have propelled us to this extraordinary triumph. You are the heart and soul of EPTS, and this victory belongs to each of you. I would also like to extend a special thanks to our 6 MDRTs, 20 Star Qualifiers and 5 Tokio Marine Perfect Club Qualifiers. Your dedication to excellence and commitment to our values have set a shining example for all of us. Your achievements are not just individual victories; they are a testament to the strength and unity of our team. But our success doesn't end with us. It's a testament to the trust and support we've received from our clients, partners, and stakeholders. To our clients, thank you for believing in us, for entrusting us with your vision, and for challenging us to exceed expectations time and again. Your partnership is the fuel that drives our innovation. To our partners, thank you for standing by our side, for sharing our commitment to excellence, and for collaborating with us to achieve greatness. Together, we have forged alliances that have set new standards in our industry. As we stand here at the pinnacle of success, let us not rest on our laurels. Let this victory be the catalyst for even greater achievements, bolder innovations, and deeper collaborations. Let us continue to push boundaries, break barriers, and inspire the world with our unwavering dedication to excellence. The future is bright for EPTS Group, and I am honoured to lead this exceptional team. As we embark on the next chapter of our journey, let us do so with the same passion, determination, and hunger for success that brought us here today. Thank you, each and every one of you, for being a part of this incredible journey. Together, we are unstoppable. Here's to many more years of success, growth, and innovation! EPTS MANSION SDN BHD AAP 2024 MAXX GROUP EPTS 09
MAXX GROUP EPTS EPTS MANSION SDN BHD AGENCY MANAGERS TOP PRODUCERS 10
1ST RUNNER UP ASIA ACE AGENCY 2 SDN BHD ND RUNNER UP CHEOW NAM FEE MAXX GROUP CNF 3RD RUNNER UP LEONG WAI KEONG MAXX GROUP GPC AAP 2024 11
TOP UNIT MANAGER TOP PRODUCERS 12
Dear Tokio Marine Life Malaysia Family, I am deeply honoured and humbled to stand before you today as the Top Champion Unit Manager for 8 consecutive years. We have been in the business for over 30 years. This achievement is not just a personal milestone but also a testament to the unwavering dedication and hard work of every member of our team. To my fellow MAXX Group LLH partners, thank you for your relentless pursuit of excellence. Each of you has contributed to this success, and I am proud to lead such talented and committed individuals. Your passion for our industry and your commitment to serving our clients inspire me every day. I also want to thank Regional Manager Mr. Gary, Business Development Executive Jeremy, and the Malacca branch staff. It is a privilege to work alongside each and every one of you. In addition, I also want to express my gratitude to our leader, mentor and my husband Mr. Lee Lai Him, who has guided and supported us every step of the way. Your wisdom, experience, and encouragement have been invaluable to us. You have challenged us to push beyond our limits and believed in us even when we doubted ourselves. Thank you for your unwavering support and for being the backbone of our success. As we celebrate this achievement, let us not forget the purpose behind our work - to protect and empower our clients and their loved ones. Let us continue to strive for excellence, to innovate, and to always put our clients' needs first. Looking ahead, I am excited for the journey that awaits. Together, we have achieved great things, but I know that the best is yet to come. Let us continue to support and inspire each other, to challenge ourselves to reach new heights, and to never settle for anything less than our best. In closing, I want to thank each and every one of you for your hard work, dedication, and commitment to excellence. This award is as much yours as it is mine, and I am grateful to have such an incredible team by my side. Let us continue to work together, to learn from each other, and to celebrate each other's successes. Thank you once again for this honour, and here's to a future filled with even greater achievements. Sincerely, Mdm. Cheng Kwee Lan Top Champion Unit Manager Tokio Marine Life Malaysia CHENG KWEE LAN AAP 2024 MAXX GROUP LLH 13
MAXX GROUP LLH CHENG KWEE LAN TOP PRODUCERS UNIT MANAGERS 14
4TH RUNNER UP LING LIING HING YII MING YIEN AGENCY 1ST RUNNER UP VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD 2ND RUNNER UP JONG SUK MOI TAN KOK WAN AGENCY SDN. BHD. 3RD RUNNER UP THEN HUI CHAN TEAM FORCE AGENCY AAP 2024 15
TOP SALES MANAGER /AGENT TOP PRODUCERS 16
I am absolutely thrilled to be crowned as the Top Agent Award winner for 2023. It is indeed a prestigious achievement that I am incredibly proud of. First and foremost, I would like to express my heartfelt gratitude to my amazing team members at Asia Ace Agency Sdn. Bhd.. Without their unwavering support and dedication, this achievement would not have been possible. A special shoutout goes to our remarkable Asia Aceʼs CEO, Mr. S. Malaiyarasan, for his invaluable guidance throughout my journey. Throughout my 27-year career as a life practitioner, one thing has always remained constant - my mission of consistency and persistency. I firmly believe in never giving up easily and avoiding excuses or reasons. It is this mindset that has propelled me to overcome challenges and achieve success. Every contest organised by Tokio Marine Life Malaysia (TMLM) and my agency, Asia Ace, serves as a powerful motivator for me to go the extra mile. Winning the champion agent title is not new to me, but my vision goes beyond just earning top rankings. My goal now is to convert my 14-year consistent MDRT title into Court of the Table (COT) and Top of the Table (TOT) accolades. Undoubtedly, the current market conditions are challenging, and the demands are higher than ever. However, I remain determined to lead the way for my Asia Ace team and my Northern Region. Together, we will navigate through these challenges and emerge stronger than ever. Once again, I extend my sincere thanks to TMLM for recognising my achievements, and to all those who have supported me along this incredible journey. This note should serve as a testament to the power of perseverance and teamwork. JAYA KUMARI A/P GOPAL AAP 2024 ASIA ACE AGENCY SDN BHD 17
ASIA ACE AGENCY SDN BHD JAYA KUMARI A/P GOPAL TOP PRODUCERS SALES MANAGERS /AGENTS 18
4TH RUNNER UP YEO SEOW MEI MAXX GROUP EPTS 1ST RUNNER UP HII MING TING LEE NYUK SIEW AGENCY 2ND RUNNER UP LEE TAI LEE MAXX GROUP EPTS 3RD RUNNER UP KUMARESAN A/L JEYRAMAN POOVANESWARAN A/L THANGAVALU AGENCY AAP 2024 19
TEAM POWER ADVISORY SDN BHD KONG PING PING ROOKIES TOP PRODUCERS 20
AAP 2024 1ST RUNNER UP WONG YIN SUN JESSY CHEN AGENCY SDN BHD 3RD RUNNER UP CHIN PAU LI MAXX GROUP CNF 2ND RUNNER UP MUNANDAY A/L P MANIKAM ASIA ACE AGENCY SDN BHD 21
MAXX GROUP EPTS EPTS MANSION SDN BHD TOP ACHIEVERS AGENCY MANAGERS 22 INVESTMENT-LINKED
4TH RUNNER UP TAN KOK WAN TAN KOK WAN AGENCY SDN. BHD. 1ST RUNNER UP ASIA ACE AGENCY SDN BHD 2ND RUNNER UP CHEOW NAM FEE MAXX GROUP CNF 3RD RUNNER UP LEONG WAI KEONG MAXX GROUP GPC AAP 2024 23
MAXX GROUP LLH CHENG KWEE LAN TOP ACHIEVERS UNIT MANAGERS 24 INVESTMENT-LINKED
4TH RUNNER UP CHIN SHI HUI MAXX GROUP CNF 1ST RUNNER UP VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD 2ND RUNNER UP JONG SUK MOI TAN KOK WAN AGENCY SDN. BHD. 3RD RUNNER UP TEH KEAT MEI MAXX GROUP GPC AAP 2024 25
LEE NYUK SIEW AGENCY HII MING TING SALES MANAGERS /AGENTS TOP ACHIEVERS 26 INVESTMENT-LINKED
4TH RUNNER UP NG MAY LING MAXX GROUP LLH 1ST RUNNER UP JAYA KUMARI A/P GOPAL ASIA ACE AGENCY SDN BHD 2ND RUNNER UP LEE TAI LEE MAXX GROUP EPTS 3RD RUNNER UP YEO SEOW MEI MAXX GROUP EPTS AAP 2024 27
TEAM POWER ADVISORY SDN BHD KONG PING PING ROOKIES TOP ACHIEVERS 28 INVESTMENT-LINKED
1ST RUNNER UP MUNANDAY A/L P MANIKAM ASIA ACE AGENCY SDN BHD 2ND RUNNER UP CHIN PAU LI MAXX GROUP CNF MAXX GROUP EPTS 3RD RUNNER UP SIA PICK YIING AAP 2024 29
TOP PRODUCERS & TOP ACHIEVERS INVESTMENT-LINKED 30
AAP 2024 31
TEAM POWER ADVISORY SDN BHD SIA KII NGIE AGENCY PRODUCTIVITY 32
4TH RUNNER UP KUMARESAN A/L THATCHANAMURTHI SUBRAMANIAM S/O SINNASAMY AGENCY 1ST RUNNER UP ASIA ACE AGENCY SDN BHD 2ND RUNNER UP TAN CHANG SIEW P&E TEAM AGENCY 3RD RUNNER UP JONG SUK MOI TAN KOK WAN AGENCY SDN. BHD. AAP 2024 33
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ASIA ACE AGENCY SDN BHD AAP 2024 14TH TIME QUALIFYING LIFE MEMBER WITH 3RD TIME COT VANASUNDARI A/P GOVINDASAMY COURT OF THE TABLE 35
MDRT 20TH Time Qualifying Life Member LING LIING HING YII MING YIEN AGENCY 20TH Time Qualifying Life Member WONG KING KIEW DAVID TEA CHE MIAW AGENCY 18TH Time Qualifying Life Member TAN KOK WAN TAN KOK WAN AGENCY SDN. BHD. 14TH Time Qualifying Life Member JAYA KUMARI A/P GOPAL ASIA ACE AGENCY SDN BHD 13TH Time Qualifying Life Member DATO GANESAN A/L K ARUMUGAM DG AGENCY 11TH Time Qualifying Life Member NG MAY LING MAXX GROUP LLH 23RD Time Qualifying Life Member JESSY CHEN AGENCY SDN BHD 10TH Time Qualifying Life Member CHIN SHI HUI MAXX GROUP CNF 10TH Time Qualifying Life Member EPTS MANSION SDN BHD MAXX GROUP EPTS 36
MDRT 9TH Time Qualifier OPTIMUM LIFE PLANNERS ADVISORY SDN. BHD. 8TH Time Qualifier LAM CHUI PENG ACTION DRIVEN GROUP 7TH Time Qualifier HII MING TING LEE NYUK SIEW AGENCY AAP 2024 6TH Time Qualifier CHU OEI KIM KUALA LUMPUR DIRECT 6TH Time Qualifier KASTHURI THILAGAM A/P CHINAPEN ROOMAS AGENCY 6TH Time Qualifier KOH YOONG HOE MAXX GROUP CNF 6TH Time Qualifier SIOW YIN SAN MAXX GROUP CNF 6TH Time Qualifier LEE MOU YEN MAXX GROUP LLH 5TH Time Qualifier CHIONG SZE SENG MAXX GROUP EPTS 5TH Time Qualifier CHUNG SIEW YIAN TEAM POWER ADVISORY SDN BHD 37
MDRT 5TH Time Qualifier JULIAN GOH CHEN ZUI CLY AGENCY 5TH Time Qualifier LAU AI LING MAXX GROUP CNF 5TH Time Qualifier WONG CHIA YEE MAXX GROUP LLH 5TH Time Qualifier WONG SIEW KHUI TEAM POWER ADVISORY SDN BHD 5TH Time Qualifier YEO SEOW MEI MAXX GROUP EPTS 4TH Time Qualifier CHAN CHIN CHEAK RMS ADVISORY SDN BHD 4TH Time Qualifier CHEAH GUAT PENG MAXX GROUP GPC 4TH Time Qualifier CH'NG CHEE SENG MAXX GROUP GPC 4TH Time Qualifier JONG SUK MOI TAN KOK WAN AGENCY SDN. BHD. 4TH Time Qualifier LEE TAI LEE MAXX GROUP EPTS 38
MDRT 4TH Time Qualifier TAN TOO KHOI ASIA FAMILY ETA AGENCY 3RD Time Qualifier CHAN KEE CHONG THE DREAM ACHIEVERS GROUP 3RD Time Qualifier CHONG HOW KEE MAXX GROUP EPTS 2ND Time Qualifier HO YUNE LIN TAN KOK WAN AGENCY SDN. BHD. 2ND Time Qualifier AMUTHA A/P RAMULU BARKAWI AGENCY 2ND Time Qualifier HIEW CHEE VONG TAN KOK WAN AGENCY SDN. BHD. AAP 2024 3RD Time Qualifier SUEN KAR SHIAN MAXX GROUP EPTS 3RD Time Qualifier PUTERI NUR FARHANAH BINTI OSMAN ANGKASA PRINCIPLE 2ND Time Qualifier LOK SZE LING MAXX GROUP CNF 1ST Time Qualifier GOH PEK ENG MAXX GROUP CNF 39
MDRT 1ST Time Qualifier THEN HUI CHAN TEAM FORCE AGENCY 1ST Time Qualifier WONG YIN SUN JESSY CHEN AGENCY SDN BHD 1ST Time Qualifier ZENIA YONG JING XUAN MAXX GROUP CNF 1ST Time Qualifier ONG LING HONG JP GOLDSTONE ADVISORY SDN. BHD. NG YEE LENG JP GOLDSTONE ADVISORY SDN. BHD. 1ST Time Qualifier KONG PING PING TEAM POWER ADVISORY SDN BHD 1ST Time Qualifier KUMARESAN A/L JEYRAMAN POOVANESWARAN A/L THANGAVALU AGENCY 1ST Time Qualifier LEE FANGLI MAXX GROUP GPC 1ST Time Qualifier 40
CHEOW NAM FEE MAXX GROUP CNF EPTS MANSION SDN BHD MAXX GROUP EPTS TAN KOK WAN TAN KOK WAN AGENCY SDN. BHD. MDRT BUILDERS AAP 2024 41
ASIA ACE AGENCY SDN BHD MEGA STAR MDA STAR AGENCY 43 AAP 2024
EPTS MANSION SDN BHD MAXX GROUP EPTS MEGA STAR MDA STAR AGENCY 44
Bong Lu Foon Chai Lan Yen Chan Kee Chong IWC Advisors Sdn Bhd JP Goldstone Advisory Sdn. Bhd. Kalai Chelvan A/L R. Superamaniam Lee Nyuk Siew Maniam A/L Munusamy Optimum Life Planners Advisory Sdn. Bhd. Pride Solution Advisory Sdn. Bhd. Subramaniam S/O Sinnasamy Cheow Nam Fee Leong Wai Keong Jessy Chen Agency Sdn Bhd Lee Lai Him Poovaneswaran A/L Thangavalu Rumayee A/P K Muthusamy Tan Kok Wan Team Power Advisory Sdn Bhd Yii Ming Yien STAR AGENCY AWARD 45 AAP 2024 4 Stars MDA 3 Stars MDA 2 Stars MDA 1 Star MDA
Alan Tan Chun Keat Cheah Guat Peng Chiong Yun Shen Chung Siew Yian Julian Goh Chen Zui Kathiresan A/L Rajoo Khoh Pei Pei Koh Yoong Hoe Kumutah A/P Tangaveloo Lee Kok Leong Magala Sri A/P Krishnan Mageswari A/P Ganasan Sia Kii Ngie Subani A/P Sittrandan Suen Kar Shian Tan Chang Siew Thirukumaran A/L Paramasivam Visalini A/P Suresh Wong King Kiew Wong Yi Hong Yap Mooi Hong Yeoh Wei Mei Cheng Kwee Lan Vanasundari A/P Govindasamy Chin Shi Hui Chiong Sze Seng Jong Suk Moi Kumaresan A/L Thatchanamurthi Ling Liing Hing Teh Keat Mei Then Hui Chan STAR UNIT AWARD 46 4 Stars MDU 3 Stars MDU 2 Stars MDU 1 Star MDU
Chu Oei Kim Goh Pek Eng Hii Ming Ting Jaya Kumari A/P Gopal Kong Ping Ping Kumaresan A/L Jeyraman Lee Tai Lee Ng May Ling Wong Yin Sun Yeo Seow Mei Ch'ng Chee Seng Chong How Kee Kasthuri Thilagam A/P Chinapen Lee Mou Yen Amutha A/P Ramulu Chin Pau Li Ho Yune Lin Kwan Siaw Ching Lee Fangli Lok Sze Ling Munanday A/L P Manikam Wong Siew Khui Ng Yean San Ong Li Bin Ong Ling Hong Phoon Shiu Wee Pirabbu A/L Rajamoogan Rubavathi A/P Ramasamy Sia Pick Yiing Sim Siew Choo Song Pei Lu Sumathi A/P Sellathurai Theeba A/P Kernasamy Veerentharan A/L Sreetharan Wong Chia Yee Wong Poh Mee Zenia Yong Jing Xuan Chai Fook Onn Choong Guan Yee Hiew Chee Vong Jagjit Kaur A/P Badan Singh Kasthuri A/P Suppiah Kelly Liu Pei Hua Koh Wee Kiong Letchumy A/P Balakrishnan Mala A/P Vairan STAR AGENT AWARD 5 Stars Agent 4 Stars Agent 3 Stars Agent 2 Stars Agent 2 Stars Agent 47 AAP 2024
Elizabeth Ting Wei Ping Esther Wong Su Kee Goh Siew Mui Govindasamy A/L Sengal Raya Naidu Jansrani A/P Kannan Jeiyinthan A/L Maniam Jesudass A/L Arulappan Jong Suk Chin Kavitha A/P Letchmanan Kenneth Chew Keen Fung Kevin Yong Tze Hua Kong Siew Yuk Koo Moy Heong Koo Siew Gek Kumutha A/P Silver Raju Lai Joon Wha Lai Yin Yee Lam See Mei Lau Yek Huat Lee Siok Lin Lee Sue Wan Legah A/P Muniandy Leong Pei Sim Liew Siek Fung Lim Huai Khim Lim Siew Lan Lim Siew Ting Lim Yat Wai Lim Yin Chin Loganaayagi A/P Raman Logeswari A/P Supramaniam @ Arumugam Abishek A/L Vinoth Kumar Anbarasu A/L Kanaisin Anjalai A/P Minnindeh Balamurugan A/L Murugayah Bathminy A/P Muniandy Bhargavi A/P Siralan Billy Chan Thiam Poh Bong Kuet Vui Chai Jung Swee Chang Suk Vun Cheng Chia Hui Chiong Meng Fuong Chong Yew Chian Choon May Fan Corene Goon Swee Fong Darmaraaj A/L Ravichanthran Deepa A/P Jayabalan Devi A/P Palanisamy Durgene Chandrasekaran Loo Seng Yen Low Siew Joon Mak Jessey Misha A/P Uveraja Nanthakumar A/L Madialagam Nanthini A/P Muthu STAR AGENT AWARD 48 1 Star Agent
Vanitha Devi A/P K Krishnan Veera Pandiyan A/L Palaniappan Wan Ching Ching Wong Kim Hoo Wong Wei Wen Yee Xinn Yuen Yeoh Soon Chean Yeou Paye Woen Yogatharan A/L Krishnamoorthy Yogeswaran A/L Ganisan Yong King Hieng Yong Pei Ching Youkashainy A/P Ramasamy Yugarani A/P Kunaseelan Ng Yee Leng Ng Yih Ming Ng Yin Zhen Nirmala Devi A/P Gaindaraju Ong Sze Ean Pang Hui Tien Pang Zoo Zee Parimala A/P Selvam Pauline Lua Ya Qing Phang Lai Peng Phung Xin Yi Prashanthini A/P Ganeson Prema A/P Rasakannu Pushpakumar A/L Kanapathy R Puvanarajan A/L Renganathan Ravi A/L Subramaniam Sambanthan A/L Arumugam Santhi A/P Jayaraman Saravanan A/L Chanthiran Saritha A/P M Gobikrishna Sarogini A/P Genasan Shanti A/P Subramaniam Shiamala A/P Jaya Balan Sim Tiang Boon Suganthi A/P Jayaraman Tan Chin Guan Tan Ching Huang Tan Choon Ngo Tan Whei Sian Teoh Jia Xian Thava Malar A/P Arioli Thavamani A/P Nagappan Thesaraj A/L Jaganathan Thiben A/L Sithamparam Thilip A/L Muniandy Thinakar A/L Pitchakaran Tiang Lie King Tie Ying Ying STAR AGENT AWARD AAP 2024 49 1 Star Agent
KUMARESAN A/L THATCHANAMURTHI AGENCY BUILDERS’ SUBRAMANIAM S/O SINNASAMY AGENCY 50