Daruma 09 March 2021 Issue

DRAU

MA09

AGENCY NEWSLETTER
NO. 09 JUL – DEC 2020
MARCH 2021
FFOORRINITNETRENARLNCAIRLCUCLIARTCIOUNLOANTLIYON ONLY

2020 MDRT Events / Tours
QUALIFYING
LIFE MEMBER 03 Message from the CEO
COVER STORY 04 Message from the DCEO
04 Message from the CAO
2021 AGENCY
BUSINESS KICK-OFF 05 2021 AM / UM Promotion
06 2020 Main Tour Quaifiers
VIRTUAL LIVE 07 2020 Elite Tour Quaifiers
EVENT 08-09 2021 MDRT

MARKETING Agent’s Spotlight
COMMUNICATION
HIGHLIGHTS 10-11 2020 MDRT Qualifying Life Member
Cover Story

Spotlight Events in TMLM
12-13
14-15 Celebrating MDRT!
2021 Agency Business Kickoff

Recruitment Highlights
16-17
T-Marine Corp and T-Marine Potential Unit
18 Manager Updates
19 TMP & TMC (AUM) Promotion to UM
TMC Promotion to AUM

Training Highlights
20
21 BSC Aspirants-Speakers Sharing Sessions
Building a Successful Business as MDRT

TM inTUNE
22-23
24-25 T-Marine Pro 2.0 Updates
26-27 Product Highlight
Marketing Communication Highlights

28 Operation Updates
29
30 • Admission FAQ
• Case Study
New Features Updates for Agency Portal

31 Statistic

Claims

Celebrating MDRT!

CONTENT EDITOR & ART EDITOR MESSAGE
Lim Chui Ling
by CEO
CONTRIBUTORS
Agency Planning & Support TOI SEE JONG
Chee Poh On & Cynthia Chong
Dear agency members,
Agency Business Strategy
Chua San Kuang & Eugene Choy First and foremost, we hope that you and your loved ones are safe
and well.
Agency Business Development
Amber Loh, Andy Wong, Carmen Chhoa, Another year has passed, and on behalf of Tokio Marine Life
Danielle Leong, Ice Chan, Jamie Yap, Jason Lim, Insurance Malaysia Bhd. (TMLM), I would like to say thank you for
Jonathan Koek, Krishnan A/L Murugam, being with us throughout 2020! With the past year behind us, we
Nicole Lee, Tengku Harizul, Shanice Lau look forward to 2021 with great expectations and hope for a healthier
community.
TMTDA
Esther Wang & Heidi Chong COVID-19 arrived with a whole set of new challenges. This pandemic
has changed the world and the way we live every aspect of our lives,
Corporate Communications & Advertising including the way we work. During the early stages of the pandemic,
Jacleen Jascinta Martin & Chin Kachin TMLM manoeuvred through its impact by establishing a RM 1million
COVID-19 Financial Support Fund to help our customers, their
Operations families and front-liners. We have recently extended this fund to
Rachel Chin & Soh Pei Ling 30 June 2021 to continue supporting our community. Our company
also contributed 1 million medical gloves to protect front-liners at 6
Proposition & Pricing government hospitals, jointly with Tokio Marine Insurans (Malaysia)
Tay Wen Ying Berhad; distributed hand sanitisers to the public, and donated laptops
and PCs to schools in B40 communities to ensure their children can
Acturial Department continue learning through this period.
Yap Tze Juung & Celine Loong
On top of the above initiatives, 2020 accelerated the launch and
enhancements of our digital initiatives including Customer Portal,
oneTokio and T-Marine Pro 2.0. Among other available services,
customers and agents are able to submit, make transactions and
check policy details from the convenience of their homes. Together
with these initiatives, you too have gone the extra mile to help our
customers in various aspects, and we are thankful for all of your
effort.

As TMLM looks towards the coming decade, we will continue to work
towards audacious goals. In line with our ‘Good Company’ values,
we are committed to always be available to our customers to keep
them and our community protected. Let’s gear up with new energy
and start 2021 BIGGER, BETTER, BOLDER.

2021 is already shaping up to be a new adventure. With your ongoing
commitment and support, we enter this new year encouraged and
inspired to keep moving forward with great expectations of a brighter
future for all.

While we strive to give our best, please continue to take precautions
and practice social distancing. Stay healthy, stay safe! In 2021, we
wish you and your family health, prosperity, and happiness.

3

MESSAGE MESSAGE

by DCEO by CAO

YOSHIAKI LIEW KIM WAH
OKABE

岡部 養明

残暑お見舞い申し上げます。 By June last year, many of us had already experienced the
adverse impact of the Movement Control Order implemented on
(Late Summer Greetings to you!) 16 March, 2020 as a measure to contain the spread of Covid-19
virus. The following months’ performances were of concern and the
明けましておめでとうございます。 management team in Tokio Marine Life moved swiftly into actions to
introduce measures including remote sales approach and T-Marine
(Happy New Year!) Pro 2.0 in meeting the challenges.

KI-ZU-NA (絆) is a very important word in Japan whenever its The agency force members were quick in adapting to the ‘New
people face challenges or difficulties that follow after the occurrence Normal’s in business transactions and with their relentless efforts,
of natural disasters such as earthquakes or typhoons. Simply we were back on track. There was a slight improved performance
translated, KI-ZU-NA means “Bonded friendship” or “Family-ties” in with average monthly productions of RM11.22m AFYP in the second
English. But the word has much broader meaning and usage to it. half year of 2020 versus RM11.15m AFYP in the corresponding
period of the previous year. With a heavy heart, I would like to
The daily lives of people living in areas affected by natural disasters announce TMLM agency ranking has dropped to No. 8 in the industry
are often severely disrupted. We cannot blame anyone for nobody compared to previous year. However, company overall we were still
has made any mistakes nor committed any wrong doings except holding strong to remain top 7 in the industry.
that these disasters are made by the strong power and beyond the
control of human beings. In achieving the results, there were some outstanding performances
worthy of mentioning here. The number of MDRT qualifying numbers
We would have to work together and manage the damages and have been increasing since 2018 with 24 in total. The uptrend
recover to normal life at the earliest possible. It is in times like these continued with 30 and 40 in years 2019 and 2020 respectively. I am
that Japanese prefer to use the word KI-ZU-NA as it is a very positive extremely pleased with the registration of 53 members with the
word to cheer up each other among family members, friends and all MDRT this year as the achievements of these MDRT members under
the people within the community. challenging circumstances truly reflect their grit and determination
which must be emulated by all aspiring MDRT agents. Coupling with
The entire world has suffered much in the COVID-19 pandemic since this, I note with delight the achievement of two leaders who have
early 2020. We need KI-ZU-NA now. successfully groomed the most numbers of MDRT, namely Mason
Cha of EPTS Mansion with seven members and Lee Lai Him with
It is time to recover to normal life and even upgrade our lifestyles. six. Congratulations to all!
In order to make a successful recovery and create a wonderful new
life style, we need to work hand-in-hand together. I would like all our We embarked on our agency force expansion strategy with “Mission
policyholders, agents and company staff to embrace KI-ZU-NA and 5000” and achieved the target with a total manpower of 5,005 by
continue to move forward. end of 2020. My appreciation to all leaders and agents who have
contributed to this achievement. The recruitment process does not
In order to make it happen, we need to promote the Digital end here with the number and I certainly would like to see as many
Transformation continuously. I am sure we can make a tremendous productive agents and capable leaders in coming years. The company
progress in Digital Transformation with concerted efforts from Agency through its training academy, TMTDA has been providing a range of
Leaders, Agents and company staff. training courses and our leaders’ development schemes, TMC and
TMP which have both developed 19 agents for promotion to Unit
Tokio Marine Group has a shared group theme of “Bigger. Better. Managers in January, 2021, are both catering for these purposes.
Bolder.” We need to be agile and resilient in order to make the Participation and enrolment into these courses and programs are
transformation to be indeed “Bigger.Better.Bolder.” therefore most encouraged.

I sincerely believe that we will remember 2020 to be the year of our In moving forward to achieving the goals as outlined in the recent
turning point and 2021 the first year to start moving forward with the 2021 Agency Business Kick Off, we shall continue to provide viable
new vision. product development, marketing strategies, life and IT operations
enhancements, incentives improvisations and customers support
4 improvements to the agency force and customers with all available
resources. I am looking forward to active participation from all
agency members as these initiatives have been carefully planned
and directed towards increasing agency manpower, productivity and
professionalism.

The agency force members have shown remarkable determination
and resilience in managing challenges and difficulties, let us tread
the New Year together with lots of care and “BIGGER . BETTER.
BOLDER” ambitions!

2020 Newly Promoted Agency Managers

BARKAWI RAMULU KALAICHELVAN KRISHNAN KUNASEKARAN MUHAMMAD TAN TOO KHOI
A/P RAMULU S/O R SUPERMANIAM A/L MURUGAN A/L NADARAJAN SHAHRIZUL MUNIR
JOHOR BAHRU
KUALA LUMPUR
KLANG IPOH PENANG BIN MOHAMED NASIR

PENANG

2021 Newly Promoted Unit Managers

ARUNKUMAR BERNARD CHIA TEE HAO GANGATHARAN GOVENDRAN JIVENTEREN
A/L P KUNASEGRAM TOH SHU KANG A/L GANESAN A/L PALANIAPAN A/L SELAVATHY
TAN TOO KHOI
VINOTH KUMAR A/L KUMARAN TAN KOK WAN MANIAM A/L MUNUSAMY VINOTH KUMAR A/L KUMARAN SELAVATHY
JOHOR BAHRU
SEREMBAN KUCHING IPOH SEREMBAN A/L SOMSUNDRAM

IPOH

JODHI KOGILAN KUMUTAH LIM HAU CHIA MARAN A/L MUNIANDY
A/P RAMASUNDRAM A/L GOVINDASAMY A/P TANGAVELOO THATCHANAMOORTHY A/L GOVINDASAMY
LIEW SAI CHAN
RAMASAMY A/L SIMAMUTHU KUNASEKARAN VISVANATHAN ASIA ACE AGENCY SDN BHD KRISHNAN A/L MURUGAN
JOHOR BAHRU
JOHOR BAHRU A/L NADARAJAN A/L ANGAMUTHU
BUTTERWORTH IPOH
KLANG SEREMBAN

NANDINI A/P ASOKAN NAVANITHAN A/L NG YOON KOOI PARIMALA PRAKASH SATHIS KUMAR
VENGADASALAM JESSY CHEN AGENCY SDN BHD A/P MUNIANDY A/L KINDNASAMY A/L PERUMAL
DHARMALINGAM IPOH
KUNASEKARAN KRISHNAN A/L MURUGAN POOVANESWARAN BARKAWI RAMULU
A/L SELLAPPEN
A/L NADARAJAN IPOH A/L THANGAVALU A/P RAMULU
KLANG
KLANG BUTTERWORTH KUALA LUMPUR

SHARVIN SIVANESAN A/L THANALETCHUMY THIVYAH VISALINI A/P SURESH WONG YI HONG
A/L KALAI CHELVAN KALYANASUMDARAM A/P GANESAN A/P SAGADEVAN
POOVANESWARAN CHEOW NAM FEE
KALAICHELVAN KALAICHELVAN VINOTH KUMAR DHARMALINGAM
A/L THANGAVALU JOHOR BAHRU
S/O R SUPERMANIAM S/O R SUPERMANIAM A/L KUMARAN A/L SELLAPPEN
ALOR SETAR

KLANG KLANG SEREMBAN KLANG

2021 Promotion from Standard Agent to Sales Managers

No Agent Name AM Name Branch
1 AHAMED RAIS BIN JABARULLAH MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED NASIR PENANG
2 CHAN MEI YOONG PANG SUN KUANTAN
3 CHIONG MENG FUONG FOO THEN HIN
4 KHAW MAN TING LAM CHUI PENG MIRI
5 LI PEI NGIIK YII MING YIEN MALACCA
6 PUTERI NUR FARHANAH BINTI OSMAN MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED NASIR
7 VEERA PANDIYAN A/L PALANIAPPAN POOVANESWARAN A/L THANGAVALU MIRI
8 VOON BOO SHIEN FOO THEN HIN PENANG
BUTTERWORTH

MIRI

5

NORWAY22002200AAggeenncycyMMaaininTToouur rQQuuaalifliifeiersrs

GROUP PRODUCTION PERSONAL PRODUCTION

Qualify by AFYP & Recruitment (1 Ticket) Qualify by AFYP & Recruitment (1 Ticket)
CHAI LAN YEN (MLK) CHAI FOOK ONN (MIRI)
POOVANESWARAN A/L THANGAVALU (BTTW) CHAI LAN YEN (MLK)
CHAN CHIN CHEAK (KCH)
UNIT PRODUCTION CHEW AH YAN (MLK)
CH’NG CHEE SENG (PEN)
Qualify by AFYP & Recruitment (1 Ticket) DAU KUE LIAN (KCH)
KALAICHELVAN S/O R SUPERMANIAM (KLG) JESSY CHEN AGENCY SDN BHD (KL)
LING LIING HING (MIRI) JONG SUK MOI (KCH)
VANASUNDARI A/P GOVINDASAMY (BTTW) JULIAN GOH CHEN ZUI (MLK)
KOH KAE LI (MLK)
Qualify by Recruitment (1 Ticket) KOH YOONG HOE (JB)
JP GOLDSTONE ADVISORY SDN. BHD. (MIRI) KOO GWO SHING (KL)
LAU KEE PING (MIRI)
NEW AGENT CATEGORY LEE FANGLI (PEN)
LEE MOU AN (MLK)
Qualify by AFYP & Recruitment (1 Ticket) ONG LI BIN (PEN)
DARMARAAJ A/L RAVICHANTHRAN (IPH) RASATHA A/P RAMAN (JB)
FOO XIN WEN (MIRI) SRIDARAN A/L P T SANGARRAN (SBN)
LEE SUE WAN (PEN) SUMATHI A/P SELLATHURAI (SBN)
LIM HUAI KHIM (PEN) TAN TOO KHOI (JB)
MAGESWARI A/P GANASAN (BTTW) VIKHNEESWARY A/P KARUPUSAMY (SBN)
ONG SIANG PENG (MLK) WEE WAI MING (PEN)
PAVITRAN A/L TAMIL SELVAN (BTTW) WONG CHIA YEE (MLK)
POO LAY HOEY (MLK)
PUVANESWARY A/P SUBRAMANIAM (KLG) Qualify by AFYP (1 Ticket)
VIKNESON A/L GANESON (SBN) CHOONG GUAN YEE (KL)
WONG SEAT HENG (JB) LIM GUAT NGOH (KL)
R PUVANARAJAN A/L RENGANATHAN (IPH)
Qualify by Recruitment (1 Ticket) TIE YING YING (SBU)
PAVITRAN A/L TAMIL SELVAN (BTTW) TING HEI SIENG (KCH)
SUGANTHY A/P SHGER (KLG) WONG CHIA YEE (MLK)
THAMARAI A/P SINNAPPOO (KLG) WONG SIEW KHUI (MIRI)
WONG SIEW POH (SBU)
**Result as at 31 December 2020. Subject to terms and condition.
Qualify by Recruitment (1 Ticket)
GOVENDRAN A/L PALANIAPAN (SBN)
JP GOLDSTONE ADVISORY SDN. BHD. (MIRI)
LILY WONG HIE LI (MIRI)
THINESHRAAJ A/L SELVARAJ (SBN)

6

DENMARK2020 Agency Elite Tour Qualifiers

GROUP PRODUCTION PERSONAL PRODUCTION

Qualify by AFYP & Recruitment (1 Ticket) Qualify by AFYP & Recruitment (2 Tickets)
ASIA ACE AGENCY SDN BHD (BTTW) JAYA KUMARI A/P GOPAL (BTTW)
EPTS MANSION SDN BHD (KL) NG MAY LING (MLK)
LEE LAI HIM (MLK) VANASUNDARI A/P GOVINDASAMY (BTTW)
LEONG WAI KEONG (PEN)
RAMASAMY A/L SIMAMUTHU (JB) Qualify by AFYP & Recruitment (1 Ticket)
DHARMALINGAM A/L SELLAPPEN (KL) CHEAH GUAT PENG (PEN)
VISVANATHAN A/L ANGAMUTHU (SBN) CHIN SHI HUI (JB)
CHIONG SZE SENG (SBU)
Qualify by Recruitment (1 Ticket) CHUNG SIEW YIAN (MIRI)
ASIA ACE AGENCY SDN BHD (BTTW) EPTS MANSION SDN BHD (KL)
DHARMALINGAM A/L SELLAPPEN (KL) KUMUTAH A/P TANGAVELOO (SBN)
LAU AI LING (JB)
UNIT PRODUCTION LEE MOU YEN (MLK)
LIM SEE CHEK (JB)
Qualify by AFYP & Recruitment (1 Ticket) LING LIING HING (MIRI)
BARKAWI RAMULU A/P RAMULU (KL) LOO LQI KIM (KL)
CHENG KWEE LAN (MLK) PUTERI NUR FARHANAH BINTI OSMAN (PEN)
GOBINATH A/L MARIYAPPAN (PEN) SIOW YIN SAN (JB)
TEH KEAT MEI (PEN) TAN KOK WAN (KCH)
VINOTH KUMAR A/L KUMARAN (SBN) WONG KING KIEW (MIRI)
YEE SHIOW HUOY (KL)
Qualify by Recruitment (1 Ticket) YEO SEOW MEI (KUA)
BARKAWI RAMULU A/P RAMULU (KL) YONG CHENG GEK (JB)
CHENG KWEE LAN (MLK)
NITHIYANANTHAN A/L ARUMUGAM (SBN) Qualify by AFYP (1 Ticket)
SATHISKUMAR A/L MORTHY (SBN) LEE JIA XUAN (KCH)
UTHAYARAAJ A/L SELVARAJ (SBN) LEE TAI LEE (MIRI)
VINOTH KUMAR A/L KUMARAN (SBN) PANG HUI TIEN (MLK)

NEW AGENT CATEGORY Qualify by Recruitment (2 Tickets)
LEE MOU YEN (MLK)
Qualify by AFYP & Recruitment (1 Tickets)
KUMARESAN A/L THATCHANAMURTHI (AS) Qualify by Recruitment (1 Tickets)
AMUTHA A/P RAMULU (KL)
Qualify by Recruitment (1 Tickets) JAYA KUMARI A/P GOPAL (BTTW)
SARASWATHY A/P SELVARAJ (KLG) LOGAWATTHANY A/P TAMIL SELVAN (SBN)
SHAMALA A/P SHANMUGAM (SBN) PANEERSELVAM A/L MARIMUTHU (BTTW)
THEEBA A/P KERNASAMY (PEN)
**Result as at 31 December 2020. Subject to terms and condition.

7

2021 MDRTQ U A L I F I E R S

CHAI FOOK ONN CHAN CHIN CHEAK CHEAH GUAT PENG CHEW AH YAN CHIN SHI HUI

TEAM POWER ADVISORY SDN BHD RMS ADVISORY SDN BHD MAXX GROUP GPC CLY AGENCY MAXX GROUP CNF

MIRI KUCHING PENANG MALACCA JOHOR BAHRU

CHIONG SZE SENG CH’NG CHEE SENG CHONG HOW KEE CHOONG GUAN YEE DAU KUE LIAN

MAXX GROUP EPTS MAXX GROUP GPC MAXX GROUP EPTS MAXX GROUP EPTS IWC ADVISORS SDN BHD

SIBU PENANG KUALA LUMPUR KUALA LUMPUR KUCHING

EPTS MANSION SDN BHD HII MING TING JAYA KUMARI A/P GOPAL JESSY CHEN AGENCY JONG SUK MOI
SDN BHD
MAXX GROUP EPTS ASIA CARE ASIA ACE AGENCY SDN BHD TAN KOK WAN AGENCY
JESSY CHEN AGENCY SDN BHD
KUALA LUMPUR KOTA KINABALU BUTTERWORTH KUCHING
KUALA LUMPUR

JULIAN GOH CHEN ZUI KASTHURI THILAGAM KOH KAE LI KOH YOONG HOE KOO GWO SHING
A/P CHINAPEN
CLY AGENCY MAXX GROUP LLH MAXX GROUP CNF JESSY CHEN AGENCY SDN BHD
ROOMAS AGENCIES
MALACCA MALACCA JOHOR BAHRU KUALA LUMPUR
JOHOR BAHRU

KUEH SIEW KIAW KUMUTAH A/P TANGAVELOO LAU AI LING LAU KEE PING LEE MOU AN

KSK AGENCY PRIDE SOLUTION AGENCY MAXX GROUP CNF TEAM POWER ADVISORY SDN BHD MAXX GROUP LLH

KUCHING SEREMBAN JOHOR BAHRU MIRI MALACCA

8

#TMLM#2021MDRTQualifiers

LEE MOU YEN LEE TAI LEE LIEU SHEUE JIUN LIM CHAI LOY LIM GUAT NGOH

MAXX GROUP LLH MAXX GROUP EPTS PROGRESSIVE GROUP AGENCY TEAM TOKIO OPTIMUM LIFE PLANNERS ADVISORY
SDN BHD
MALACCA MIRI KUCHING BUTTERWORTH
KUALA LUMPUR

LIM SEE CHEK LING LIING HING LOO LQI KIM NG MAY LING NGUI KING HOCK

TOKIO STARS GROUP - LINDA AGENCY ASIA EXCELLENT OPTIMUM LIFE PLANNERS ADVISORY MAXX GROUP LLH KIM HOCK AGENCY
SDN BHD
JOHOR BAHRU MIRI MALACCA KUCHING
KUALA LUMPUR

PANG HUI TIEN RASATHA A/P RAMAN SIOW YIN SAN SRIDARAN SUMATHI A/P SELLATHURAI
A/L P T SANGARRAN
MAXX GROUP LLH K.SUBRA AGENCY MAXX GROUP CNF PRIDE SOLUTION AGENCY
K.R ASSOCIATES.
MALACCA JOHOR BAHRU JOHOR BAHRU SEREMBAN
SEREMBAN

TAN KOK WAN TAN TOO KHOI TEOH SOO JIN TIE YING YING TING HEI SIENG

TAN KOK WAN AGENCY PANG SUN AGENCY TEIK SIN AGENCY MAXX GROUP EPTS PRIME STAR ELITE GROUP

KUCHING JOHOR BAHRU BUTTERWORTH SIBU KUCHING

VANASUNDARI VIKHNEESWARY WONG CHIA YEE WONG KING KIEW WONG SIEW KHUI
A/P GOVINDASAMY A/P KARUPUSAMY
MAXX GROUP LLH DAVID TEA AGENCY TEAM POWER ADVISORY SDN BHD
ASIA ACE AGENCY SDN BHD INDRA GANDHI AGENCY
MALACCA MIRI MIRI
BUTTERWORTH SEREMBAN

YEE SHIOW HUOY YEO SEOW MEI YONG CHENG GEK

OPTIMUM LIFE PLANNERS ADVISORY MAXX GROUP EPTS YEOW KEE BIAN AGENCY
SDN BHD
KUANTAN JOHOR BAHRU
KUALA LUMPUR

9

AGENT’S

2020
MDRT

QUALIFYING
LIFE MEMBER

10th Time MDRT

v

Jaya KumariA/P Gopal Butterworth
Asia Ace Agency Sdn Bhd

Edited by Chua San Kuang & Lim Chui Ling been and will always be my key motivation factor in my pursuit
for excellence.
I am a former teacher. Little had I realized that after
15 years of teaching and achieving the greatest I pride myself with meeting the MDRT requirements consistently
recognition as a “Guru Cemerlang”, I have to over the past eleven years and attaining the MDRT Life
choose between two noble professions that is one Membership in 2020. MDRT qualification requires not just hard
of bringing up educated young people or providing work but sacrifices. I was taken seriously ill (bed-ridden) in
financial solutions to protect people in need. the remaining few months last year but without any thought of
giving up, I strived with steely determination to overcome many
It happened when my husband and leader, Mr. S. Maiayarasan, obstacles. I thanked my leader, agency members, colleagues,
who was already building a life insurance agency with Tokio customers and company staff who have all come together
Marine Life (known previously as The Asia Life Assurance to lent their unwavering support when I needed most. This
Society Ltd.), asked me to assist him in the business. achievement has certainly motivated me towards achieving
more in MDRT including COT and TOT! I have seen many
In addition to the life insurance industry playing a vital role in consistent MDRT qualifiers with over 30 years of qualifications.
educating and providing financial protection to the community, If they can, what is there to deter me from being one of them?
I decided to join the life Insurance industry in 1996 as it gave
me time flexibility to manage my school work, housework and My accomplishing the MDRT Life membership will certainly
children. This business start-up required very little investment create a benchmark and set an exemplary role model within
and I started off by passing both the PCE and CEILLI my agency, Asia Ace Agency. My aim now is to develop and
examinations and approached my students’ parents to prospect duplicate more quality MDRTs with my 25-year experience and
for businesses immediately. I recommended plans which were as MDRT Life member. I will take it as a mission to guide my
popular in those times where creating savings and education agency force into building their path towards their MDRT goal.
funds were priorities. The supports were very encouraging and
many of them have remained as loyal customers and grown as As an MDRT member, it is natural that I have qualified for
close friends in my 25-year life insurance journey where I am many major awards such as Top 5 Agents (Champion in 2015
proudly serving as a professional life advisor. & 2016), Main Tour qualifier since 1998 and 100 Applications
Club. I would urge all Tokio Marine Life practitioners to set
I have kept my business philosophy simple for the past twenty MDRT membership as your goal and go all out to achieving it
five years and I woke up every day with one thought in mind, “I with lots of hard work, determination and attitude. If I can do
must talk to at least 5 new prospects today”. I would feel a day it, so can you!
incomplete if I did not fulfill this task. Knowing there are many
new born babies each day gives me the motivation to strive Success is liking yourself, liking what you do,
and do my prospecting consistently all these years. I plan and and liking how you do it.
keep my daily schedule diligently no matter what obstacles
that may stand along my way. Consistent prospecting has Maya Angelou

10

AGENT’S

2020
MDRT

QUALIFYING
LIFE MEMBER

10th Time MDRT

v

VanasundariA/P Govindasamy Butterworth
Asia Ace Agency Sdn Bhd

Edited by Chua San Kuang, Lim Chui Ling & Sivakumar requirements. The most challenging MDRT year happened
Palanisamy when I was in the family way and had to manage both my
pregnancy and MDRT goal. My determination and persistence
I was born and raised in a large family with eleven paid off handsomely when I became the MDRT Qualifying Life
siblings. I grew up contented with working as a member in 2020. My lifestyle began to change with continuing
RM1,500 monthly wage earner until I met my mentor achievements in MDRT as I have gained much financial
and Agency Manager, Mr. S. Malaiyarasan who independence besides recognition and fame. These profound
literally changed my life. motivating factors have kept me qualifying for the prestigious
MDRT award continuously and I take great pride in achieving it
It was his convincing persuasion and effective motivation that for the eleventh time this year.
encouraged me to decide to join the life insurance industry
with Tokio Marine Life. That career change has become the I prepared myself for the leadership promotion and participated
most important turning point in my life now as I am building a in company’s TMP program with encouragement from Mr.
successful enterprise under Mr. Malaiyarasan’s able leadership Malaiyarasan as he was confident that with the many years
and guidance. in personal sales, invaluable experiences as MDRT member
and the Asia Ace Agency culture, I would be able to recruit
I started as an ordinary agent in 2009 and worked hard to and develop productive agents in my unit, in particular MDRT
become the Top Agent in 2013. There was no turning back members. I was duly promoted to Unit Manager in 2020 and
since then and I have qualified for agency tours and contests performed well to become a Top 5 Unit Manager of the year.
consistently and maintained as Top Five agents nationwide
for eleven years now. I remember my excitements each time Life is full of surprises and obstacles, but if you do the right thing
I accomplished my first achievements such as qualifying at the right time, you can achieve your dreams. The current
as an MDRT member, crossing the magical 200 cases in a pandemic is not an obstacle to achieving our dreams. Grab
year, becoming a Mega Agent with more than 1 million AFYP the opportunities and take advantage of all the supports from
personal sales and joining the 100 Applications Club. your leader, agency and company. Please continue to create
awareness about the need for insurance and provide suitable
However, among these awards and recognitions, I would solutions to the public as this is our social responsibility. MDRT
cherish attaining the MDRT Qualifying Life membership is possible for all those willing to do consistent activities with
the most. I was inspired to become an MDRT member after good habits and positive attitude.
seeing the grand recognitions accorded to all MDRT members
in the annual Agency Awards Presentation ceremony. It was I shall continue with my success journey in MDRT and Unit
not easy initially but with good guidance and coaching from Manager with Tokio Marine Life. My goals are to achieve COT
Mr. Malaiyarasan and encouragements from colleagues and & TOT, develop MDRT members and at the same time become
company staff, I overcame many challenges to first become a top Unit Manager achiever in the company.
an MDRT member in 2010 From that moment onwards, my
annual targets have been nothing less than achieving MDRT See you as an MDRT and all the very best in 2021.

11

Events in TMLM

MCeleDbratRing T!

by Lim Chui Ling

This year’s MDRT event, themed Celebrating MDRT! took place in EQ Hotel,
one of Kuala Lumpur’s top rated hotel. This jubilant venue complimented
with a revelry of fine wine and a luscious Chinese set banquet dinner was
host to Tokio Marine Life’s first ever hybrid physical and virtual event.

2020 Celebrating MDRT! is a one-of-a kind event combining a life
insurance sales meeting and embracing excellence with style –
a fitting event setting exclusively for MDRT members of Tokio
Marine Life. This event celebrates the success of MDRT recipients
for being among the best in the life insurance industry.

The graceful event kick-started with an opening speech by Deputy
Chief Executive Office (DCEO) of Tokio Marine Life, Mr Yoshiaki
Okabe, who shared his heartfelt congratulations to the MDRTs
on their remarkable achievements. He also emphasised on the
importance of persistence and consistency to continue achieving
MDRT, and further grow a more promising career in the years to
come. The event also welcomed the 2020 MDRT Aspirants Rolex
watch benchmark qualifiers as guests to the exclusive event.

Each achiever had their moment of recognition as they took centre stage
to accept their award from Mr Yoshiaki Okabe and Chief Agency Officer
(CAO), Mr Liew Kim Wah. The night witnessed the IWC watch presentation
to all 32 qualifiers of the 2019 MDRT Aspirants Contest. A specially designed
photobook was presented to the Guest of honour and all 40 members of the
2020 MDRT.

The Celebrating MDRT! event also took the opportunity to showcase the
TMPRO -4U Lucky Draw Challenge winners. Mr Liew Kim Wah took the
stage to update on the agency performance for the 1st half of 2020, and
subsequently launched the Go Travel Challenge (Nha Trang) to the agency
force.

12

13

Events in TMLM

2ABK0GUI2CES1KNIN-COEYFSFS
(VIRTUAL LIVE EVENT)

14

bTtiyahsoMIbliConulsia2onLyHfrtyfT0aywtMLafovehonae1we2dMigeneena’ftvca1dshledrLwitviJuttrinnyii’i,thytoMiadansinoetgoewaKofnngggi’Cd(nas“rtueiabeksoemtrhBinahCtcotitltffhocyoihirhetogiVnEwkyaWhngeAitnhie-iwOhdgtrrrgstgCae2avtathwtubhteehle0pa-otyooa,oeni.dr2prMmtlltaT!hlsce1MidnnLYrptcuyMB.hloicgIayheTagpVBeuLeTonoianhpeutErMuuhtayirytobvptAnsSiko2re’sSernSsittegeYenf0rretotmnAyeaerei!e32asweunkags11BfwaoJafrtcsre.tnhouaDmhohAy&nW2yrnrKnieleogcci0FgddAneigichuyec2to,gnfehgrekgnie0rTeDrrterm-chceiesxteaOr!Chnaeytcvesa”bteocn.fieEumfFtesyeyfwdinloOnuehrtove“taFnagcaat2r.eMhds–cgcolrd0nseieieornisi2Mtomwcnng.siis0inteonWsrmeiim“wgao)neatnY’oratneeeesuloCoeilvdldptscstiO5iehmenhinhhdota0serVetoiotamtoyo0ahelIfisvenwd0knDoiilassniyagiir”gran-gt,rOle1dgluyys2gaaav9iaaak0fuubtefsttalo2enophnnebnrb1rcaeetlesecteiteihenlrhwuaotenwitetvdaneclmexhtieedtehngmrteypnerrm,dsftaNelie.ohwma”swiCwerassctrboifiowpiAd2toteort,mhlheln0rOlindwenmYaci2igstdgeii–t1–ahathshanelotibMrodauynrltl,
15

RECRUITMENT

T-Marine Corp and T- Marine

Potential Unit Manager Updates

By Chua San Kuang, Head, TMC/TMP

Covid-19 pandemic and the Movement Control Order (MCO) with its subsequent extensions did not deter or delay the implementation
of the planned three TMC and TMP intakes in year 2020. All batches, TMC 13 to 15 and 2020 TMP, were arranged as scheduled.

I. Interviews:
Interviews of TMC13 applicants were conducted in persons and later batches via video-conferencing.

II. Pre-entry Training & Follow-up-Follow-through (FUFT) sessions:
All pre-entry residential trainings were replaced with video-conferencing training.
Follow-up & Follow-through (FUFT) sessions were also conducted via video-conferencing.
Training through video-conferencing has indeed became one of TMC’s ‘New Normal’s!

TMC14 learning via video-conferencing, a new learning experience for all TMC members …

III. Commencements
The first of TMC batches in year 2020, TMC13, started immediately on 1st April after the Movement Control Order (MCO) was
announced in March with a total of 52 agents successfully enrolled.

TMC batches 14 and 15 followed and commenced on 1st July and 1st November, 2020 respectively with 40 and 60 participants.
Total participants for TMC intake for year 2020 was 156 with TMC 15 finalized at 64 in December. There were 20 participants in
2020 TMP.

IV. Support
In addition to the numerous nationwide measures taken to mitigate the challenges faced by our agents and customers as
consequences of the pandemic, several initiatives were also introduced to assist TMC and TMP participants in the initial MCO
period. These initiatives included the revised monthly allowances qualification, TMC13 Kick Start Challenge and inclusion of
Cancer Shield Plus as a TMC product for premium and case count.

Performance summary of 2020 TMC agents as at 30 November, 2020:
1a. Non-Commissionable Block of Business (NCB) fulfilment:
1. Fast Start & Full NCB completion summary:

Fast Start NCB Full NCB
Achieved No.
TMC Batch Entry No. Ending Date Achieved No. Achieved % Ending Date Achieved %
30-Sep-20 42 82%
13 52 31-Jul-20 33 65% 31-Dec-20 36 92%
30-Apr-21  On-going 0%
14 40 31-Oct-20 27 69% 78 n.a.

15 64 28-Feb-21 11* 18%

Total 156 71

* As at 31-Dec-2020

Both the full NCB achievement rates of 81% and 90% in TMC 13 and 14 respectively were higher than the average 76%.
TMC14 achievement rate is the highest recorded to date.

16

1b. Early NCB Achievers (1st 5 of TMC batches 13 to 15):

Rank 1st 5 Achievers Plan Branch Direct Leader Achieved

TMC 13

1st VIJAYATHARSHINI A/P TANAPALO CP SBN VINOTH KUMAR A/L KUMARAN 30-4-20

2nd NAVITA A/P JAYARAM CP SBN SATHISKUMAR A/L MORTHY 1-6-20

3rd SARASWATHY A/P SUBRAMANIAM CP KLG SATHIS KUMAR A/L PERUMAL 13-6-20

4th LEE SIEW SEAN CP IPH PHOON TIAN LU 15-6-20

5th LOGENDRAN A/L S CHANDRAN CP K L UTHAYARAAJ A/L SELVARAJ 18-6-20

TMC 14

1st PUVANESWARY A/P SUBRAMANIAM CP KLG SATHIS KUMAR A/L PERUMAL 2-7-20

2nd KUMARESAN A/L THATCHANAMURTHI CP A S SUNDRAM A/L SUBRAMANIAM 7-7-20

3rd SURENDRAN A/L MURGAN CP SBN KUMUTAH A/P TANGAVELOO 9-7-20

4th VIKNESVARAN A/L SUKUMARAN SG KLG NANDINI A/P ASOKAN 17-7-20

5th MAGESWARI A/P GANASAN LT BTW ASIA ACE AGENCY SDN BHD 24-7-20

TMC 15

1st RAMANI NAIR A/L ARUMUGAM CP SBN VINOTH KUMAR A/L KUMARAN 2-11-20

2nd TUTAARNI A/P VASU CP SBN VINOTH KUMAR A/L KUMARAN 10-11-20

3rd RATHA A/P GOPAL CP SBN VINOTH KUMAR A/L KUMARAN 26-11-20

4th SUEN KAR SHIAN LT K L TANG KOK WAI 27-11-20

5th CHONG SEW KIN CP MRI JP GOLDSTONE SDN BHD 30-11-20

S. Puvaneswary and Ramani Nair both hold the record of achieving NCB production on the 2nd day of their TMC commencement dates.

2. Promotions in 2020:

2a. Unit Manager Promotions in 2020:

Unit Managers (UM) promoted on 1 January, 2020 and Performance Summary @ 31/12/2020:

No. Agent Name Branch Direct Leader Unit AFYP QNA
907,741 18
1 NITHIYANANTHAN A/L ARUMUGAM SBN VINOTH KUMAR 848,068 13

2 THIRUKUMARAN A/L PARAMASIVAM K L BARKAWI RAMULU

2b. Unit Manager Promotions on 1 January, 2021:

A total of 11 TMC-AUM and 8 TMP members were promoted to Unit Manager effective 1 January, 2021:

No. Name Branch Direct Leaders / Agency Manager TMC/TMP
AUM6
1 LIM HAU CHIA JB HEW FOONG YIN / LIEW SAI CHAN AUM7
AUM7
2 MARAN a/l THATCHANAMOORTHY BTW SARAVANAN a/l VARATHARAJOO / ASIA ACE AGENCY AUM7
AUM7
3 PRAKASH a/l KINDNASAMY BTW POOVANESWARAN a/l THANGAVALU AUM7
AUM8
4 CHIA TEE HAO JB TAN TOO KHOI / PANG SUN AUM8
AUM8
5 KUMUTAH a/p TANGAVELOO SBN VISVANATHAN a/l ANGAMUTHU AUM8
AUM9
6 NANDINI a/p ASOKAN KLG DHARMALINGAM a/l SELLAPPEN
2018 TMP
7 THIVYAH a/p SAGADEVAN KLG DHARMALINGAM a/l SELLAPPEN 2018 TMP
2019 TMP
8 ARUNKUMAR a/l P KUNASEGRAM SBN VINOTH KUMAR a/l KUMARAN 2019 TMP
2019 TMP
9 GOVENDRAN a/l PALANIAPAN SBN VINOTH KUMAR a/l KUMARAN 2019 TMP
2020 TMP
10 THANALETCHUMY a/p GANESAN SBN VINOTH KUMAR a/l KUMARAN 2020 TMP

11 NG YOON KOOI IPH YAP YEE BIN / JESSY CHEN AGENCY

12 WONG YI HONG JB CHIN SHI HUI / CHEOW NAM FEE

13 MUNIANDY A/L GOVINDASAMY IPH KRISHNAN A/L MURUGAN

14 JIVENTEREN a/l SELAVATHY IPH SELAVATHY a/l SOMSUNDRAM

15 JODHI a/p RAMASUNDRAM JB THILAKAMALAR a/p MARIMUTHU / S. RAMASAMY

16 KOGILAN a/l GOVINDASAMY KLG KUNASEKARAN a/l NADARAJAN / MUHAMMAD IMRAN

17 NAVANITHAN a/l VENGADASALAM KLG KUNASEKARAN a/l NADARAJAN / MUHAMMAD IMRAN

18 VISALINI a/p SURESH AS POOVANESWARAN a/l THANGAVALU

19 BERNARD TOH SHU KANG KCH TAN KOK WAN

2c. Assistant Unit Manager (AUM) Promotions:

Total AUM promotions = 42 TMC Batch 8 9 10 11 12 Total
2
AUM Promotes 15 10 8 7 42

(Please see congratulatory flyer on following page for details)

CONGRATULATIONS to all promoted

Unit Managers and Assistant Unit Managers!

17

CONGRATULATIONS!

T-Marine Potential Unit Manager Promotion to

Unit Manager’s

BERNARD TOH SHU KANG JIVENTEREN A/L SELAVATHY JODHI A/P RAMASUNDRAM

TAN KOK WAN SELAVATHY A/L SOMSUNDRAM RAMASAMY A/L SIMAMUTHU
KUCHING IPOH JOHOR BAHRU

KOGILAN A/L GOVINDASAMY MUNIANDY NAVANITHAN
A/L GOVINDASAMY A/L VENGADASALAM
KUNASEKARAN A/L NADARAJAN
KLANG KRISHNAN A/L MURUGAN KUNASEKARAN A/L NADARAJAN

IPOH KLANG

VISALINI A/P SURESH WONG YI HONG

POOVANESWARAN A/L THANGAVALU CHEOW NAM FEE
ALOR STAR JOHOR BAHRU

(As at 1 January 2021)
18

CONGRATULATIONS!

Promotion from T-Marine Corp (AUM) to

Unit Manager

ARUNKUMAR CHIA TEE HAO GOVENDRAN
A/L P KUNASEGRAM A/L PALANIAPAN
TAN TOO KHOI
VINOTH KUMAR A/L KUMARAN JOHOR BAHRU VINOTH KUMAR A/L KUMARAN

SEREMBAN SEREMBAN

KUMUTAH A/P TANGAVELOO LIM HAU CHIA MARAN
A/L THATCHANAMOORTHY
VISVANATHAN A/L ANGAMUTHU LIEW SAI CHAN
SEREMBAN JOHOR BAHRU ASIA ACE AGENCY SDN BHD

BUTTERWORTH

NANDINI A/P ASOKAN NG YOON KOOI PRAKASH A/L KINDNASAMY

DHARMALINGAM A/L SELLAPPEN JESSY CHEN AGENCY SDN BHD POOVANESWARAN A/L THANGAVALU
KLANG IPOH BUTTERWORTH

THANALETCHUMY THIVYAH A/P SAGADEVAN
A/P GANESAN
DHARMALINGAM A/L SELLAPPEN
VINOTH KUMAR A/L KUMARAN KLANG

SEREMBAN

(As at 1 January 2021)

19

TRAINING

by Esther Wang, TMTDA Balanced Score Card

The implementation of Balanced Score Card (BSC) aims to achieve the following key BSC Aspirants
outcomes:
I. Encourage more full-time agents in the industry Speaker Sessions
II. Encourage intermediaries to consider a consumer’s financial needs and circumstances,

and provide proper advice and recommendations;
III. Raise and maintain an effective and responsive customer support services provided

by intermediaries to the policyholder/participant throughout the policy/certificate term;
IV. Assure the ethical and professional conduct of intermediaries; and
V. Drive the continuous professional development (CPD) of intermediaries

Effective 1st January 2020, KPI 1 (# Cases / AFYP) is removed and the 30% weightage is
distributed to KPI 2 (CFF), KPI 3a (1st Year Persistency) and KPI 3b (2nd Year Persistency)
which emphasizes substantially on Customers Fact Finding and quality of business.

Policies issued from

No BSC KPI 1/1/2018 to 1/1/2020
31/12/2019 BSC Weightage
BSC Weightage

1 # Cases / AFYP 30% 0%

2 CFF Option 1 or 2 15% 20%

3a 1st Year Persistency 15% 25%

3b 2nd Year Persistency 15% 30%

4 Number of Substantiated Complaints 10% 10%

5 CPD 15% 15%

Total 100% 100%

A series of virtual sharing sessions were organized to encourage and inspire more eligible
BSC agents to achieve 2020 BSC KPIs and eventually become BSC Outperformers.

Our very own top agency leaders were invited to share their vast experience in selling,
especially on conducting effective fact finding and identifying customers’ needs to provide
quality service which would eventually grow their success in the business.

The 1st speaker was AM Mr. Malaiyarasan, with the topic “The Secret to Success in Sales
& Life” on 3 July, 2020. He highlighted that the sales cycle is the most important process.
When this process is conducted effectively, it will be able to convert a prospect to become
a customers. He had shared his method and “secret” in making sales cycle a successful
process.

The 2nd Speaker for the session was by AM Mr. Mason Cha on 7 August 2020 with the
topic “New Normal - Create Inner Breakthrough”. He urged all BSC In Scope agents to
strive to become BSC Outperformers and to be rewarded with the BSC Over Performance
Commission. He advised our agents to cultivate three important elements to cope with
this times of uncertainty, and emphasized that it is crucial to have “Goal Clarity”, “Strategy”
and “The Right Attitude” to overcome inner conflict.

The 3rd Speaker of the session was AM Mr Gmi Leong: “How to Close Big Case via iBig?”
on 23 Oct. He emphasized on the importance of conducting a proper sales process by
emphasizing on tactful approaching and fact-finding. He shared on being a professional
advisor, which means positioning oneself as proficient in their sales and creating a climate
that will encourage the prospects to take action on your recommendations. On top of that,
he also shared on the techniques of using the Family Income Replacement Planning to
close bigger cases.

20

TRAINING

by Heidi Chong, TMTDA

The Advancement in Managing Sales (AIMS) programme has
made it a mission to provide the best ideas from the best minds
in the profession to help attain new levels of success in your business
as a MDRT. Million Dollar Round Table (MDRT), The Premier Association
of Financial Professionals®, is a global, independent association. MDRT is
recognized internationally as the standard of excellence in the life insurance and
financial services business. (This year’s MDRT qualification revised to RM333, 600)

This year, the AIMS programme brought its training experience to a virtual

space with the “2020 AIMS Virtual Event Series” held in June,

September and November 2020. Each session was a month-

long series of inspiration, motivation and education for MDRT

Aspirants to learn to be more effective at finding solutions for

their clients which in turn will grow their careers to achieve

greater success, revolutionise their selling approach

and become MDRT achievers. It was an opportunity to

connect with speakers with vast knowledge to share on

topics that are important to the MDRT Aspirants. The Building a
series of sessions featured an impressive selection
of content from three (3) inspiring speakers.

The 1st session was presented on 16 June 2020 Successful
by Ms Goon Mei Lean, a 12x MDRT with the topic Business
“Thrive during Covid-19”. She shared three (3) as a
important ideas, “Have a right mind-set”, “Maintain
a level of activity different from the normal activity” MDRT
and “Personal development and training”.

The 2nd speaker, Mr Ee Kah Tiek, a 3x MDRT
shared on “Discover Unlimited Closing Potential
through Needs Based Selling” on 25 Sept 2020.
Asking questions is the heart of Needs Based
Selling as it is the only way to uncover the

customer’s needs. Every worthwhile relationship
and successful new business comes down to the
ability to ask questions - by asking questions you’ll

be able to understand the customer’s situation and
how you can help them.

Hanzo Ng, the 3rd speaker, the Sales Ninja
Grandmaster shared his topic on the “Final Sprint!
Make it Happen and End Strong” on 10 November
2020. The attitude of a MDRT Aspirant can be one
of many reasons that makes or breaks a sale. Five (5)
ideas that instigated to help boost the MDRT Aspirants’
motivation momentum were “Go through challenges & stay
focused”, “Stay positive, never give up and keep trying”, “Do
whatever it takes to make it happen”, “Be client centric” and “Be a
team player to end strong”.

MDRT Aspirants gathered to learn cutting-edge insights from the speakers and gained a
great amount of invaluable inspiration to propel their careers forward as MDRTs. They
were able to use the knowledge they garnered immediately to build and boost their
business.

Finish Strong! Greatness awaits at the Finish Line.

21

TM

T-Marine Pro 2.0 Updates

OVERALL T-MARINE PRO 2.0 Total Submission AFYP (RM) Total Case Submission
SUMMARY
49,725,403 12,580
(AFYP & NO OF CASES)

AVERAGE SUBMISSION PER DAY AFYP (RM) Cases

(AFYP & CASES) 208,930 53
8 May - 31 Dec 2020 = 238 days

T-MARINE PRO E-SUB BY BRANCH (NO OF CASES)

Alor Star Staff Purchase Kota Kinabalu

251 50 146

Butterworth Kota Bharu Sandakan

1,311 223 23

Penang Kuantan Miri

1,086 202 760

Ipoh Kuching Sibu

1,059 1,027 350

Kuala Lumpur Johore Bahru

1,379 1,736

Klang

905

Seremban

1,629

Malacca

443

TOP 10 T-MARINE PRO 2.0 E-SUB BY NOC

No Name NOC Branch AM Name
1 MAGESWARI A/P GANASAN 145 BTTW ASIA ACE AGENCY SDN BHD
2 VANASUNDARI A/P GOVINDASAMY 110 BTTW ASIA ACE AGENCY SDN BHD
3 CH’NG CHEE SENG 80 PEN LEONG WAI KEONG
4 AMUTHA A/P RAMULU 67 DHARMALINGAM A/L SELLAPPEN
5 PUVANESWARY A/P SUBRAMANIAM 67 KL DHARMALINGAM A/L SELLAPPEN
6 NIRMALA DEVI A/P GAINDARAJU 65 KLG SELAVATHY A/L SOMSUNDRAM
7 CHAN CHIN CHEAK 64 IPH RMS ADVISORY SDN BHD
8 KUMARESAN A/L THATCHANAMURTHI 60 KUCHING SUBRAMANIAM S/O SINNASAMY
9 CHIN SHI HUI 59 AS CHEOW NAM FEE
10 CHANDRAKUMAR A/L SINNIAH 57 JB DHARMALINGAM A/L SELLAPPEN
KL

MAGESWARI VANASUNDARI CH’NG
A/P GANASAN A/P GOVINDASAMY CHEE SENG

Butterworth Butterworth Penang
Asia Ace Agency Sdn Bhd Asia Ace Agency Sdn Bhd Leong Wai Keong

The key advantage of T-Marine Pro 2.0 is Because of the pandemic, T-Marine Pro I always do follow ups after prospecting.
that it’s easy to close cases at anytime, worked wonders for me. I can submit T-Marine Pro 2.0 enables me to easily
anywhere. I find that by using T-Marine Pro cases without risking the customers’ reach out to my clients and their database.
2.0, submitting cases is faster now and it health which usually is a concern for both
looks more professional as compared to parties. This web-based e-submission platform is
the traditional way. more convenient, has better confidentiality
T-Marine Pro also enables me to achieve and operates around the clock. Also, my
All the cases submitted via T-Marine my targets, and at the same time I am able clients are able to track their submission
Pro 2.0 can be approved immediately to provide the necessary protection to my status.
and customers are satisfied with faster clients who need financial protection.
coverage.

22

23

How does iMediCare

Help Your Customer?

TokioMarine-iLifeSecure 2

Name: Adam Gender: Male
Smoking Status: Non-Smoker Age: 50
Occupation: Class A Sum Assured: RM100,000
Coverage: Up to age 80 Fund Type: 100% Enterprise

Riders Attachable:
• AcciShield: Sum Assured RM100,000
• iMediCare: Plan 200

Adam got into an accident in policy year 5.

Total Medical Bill:

Room & Board + Surgery Fee = Total
10 days X RM200 = RM2,000 RM50,000 RM52,000

Saver 500

ADAM Co-Saver 10%
SHARES RM500
OF THE BILL

Non-SaverADAM TMLM ADAM
PAYS NOTHING PAYS SHARES RM3,000*
RM51,500 OF THE BILL
TMLM PAYS
RM52,000 Total Bill: TMLM PAYS
RM49,000
RM52,000

*(10% x 52,000 = 5,200, subject to min RM500 and max RM3,000)

Non-Saver Saver 500 Co-Saver 10%
RM27,300
Total Monthly RM34,800 RM30,900
Premium Paid (RM 580 x 60 months) (RM515 x 60 months) (RM455 x 60 months)
Total Amount Paid RM30,300
by Customer RM34,800 RM31,400
(RM30,900 + RM500) (RM27,300 + RM3,000)
Cost of Insurance
(COI) Advantages of Saver 500 & Co-Saver 10% 30% COI Savings

Premium Savings Standard COI 15% COI Savings RM1,500 per year
Compared to Non-Saver
RM780 per year
Compared to Non-Saver

NOTE:
• Saver 500 and Co-Saver 10% cannot co-exist.
• Both Saver 500 and Co-Saver 10% apply to Hospital R&B, ICU, Hosp Supplies & Services, Surgical Fees, OP Theatre Fee, Anesthetist fee,

In-Hosp Physician’s Visit, Organ Transplant, Ambulance Fees, Medical Report Fee and Lodger Benefit (Refer schedule of benefit item 1 to
item 11).

New Born Reward
for Your Customer’s Baby

Upon successful delivery of the child

Tokio Marine Life will pay for the First Premium
of a new life policy Worth Up to RM 1,000*

*For Plan 150 & above:
Plan 150 – RM500; Plan 200 & above: RM1,000

How Does New Born Reward Work?

Claimable only once per life assured of iMediCare (Male & Female), after 9 months
from the issue date or reinstatement date of the rider, whichever is later.

Rider Commenced Baby Delivered New Born Reward
1 Jan 2021 New Born Reward
✔
✘
1 Oct 2021
1 Sept 2021

8 months
9 months

This benefit is not exchangeable for cash and any unutilized amount will not be refunded.

Plan: Plan 200 New Born Reward Entitlement: RM1,000

First Premium First Premium First Premium First Premium
= Annual Premium = Annual Premium = Annual Premium = Monthly Premium

RM1,000 RM1,200 RM800 RM200

Entitlement of Entitlement of Entitlement of Entitlement of
RM1,000 RM1,000 RM800 RM200

Customer pays RM200 RM800
RM200 Non refundable Non refundable

If both wife and husband have iMediCare Plan 200:

New Born Reward New Born Reward
RM1,000 RM1,000

Riders Commenced New Born Reward:
RM2,000

(RM1,000 + RM1,000)

1 Jan 2021 1 Oct 2021

Notes:
• The Life Assured and the Policy Owner of the new policy can be anyone.
• In the event of Free Look Cancellation/CFI/Postpone/NTU/Decline/Withdrawal, the refund amount would need to minus out the

utilized New Born Reward amount.
• In the event of Surrender, the surrender value would be paid without minus out the utilized New Born Reward amount.

MARKETING
COMMUNICATION

Extended the Paperless Initiative beyond our company by

Donating Used Laptops & CPUs

TMLM continued to uphold one of the company’s guiding principles to “Look Beyond Profit” and donated some of the
company’s repurposed laptops and CPUs, along with 10 new monitors and urgently needed household items to Good
Shepherd Services, GT Community Centre, Suriana Welfare Society Malaysia, Ti-Ratana Welfare Society Malaysia
and Yayasan Sunbeams Home. Some of the household items donated were dry food, face masks and sanitisers,
home appliances such as ceiling fans, wall fans and LED lights.

Virtual Run Sponsorship

TMLM sponsors and helps to promote BERSAMA Virtual Run organised
by its panel hospital partners, Mahkota Medical Centre and Regency
Specialist Hospital to raise funds for single mothers whose household
income falls under the B40 group. The collection from this run aims to
provide educational and financial assistance to those in need and to fund
charitable activities for the betterment of underprivileged single mothers.

Fundraising Project

by Suriana Welfare Society Malaysia

TMLM staff showed their support by purchasing special limited edition
designed calendar produced by Suriana Welfare Society Malaysia, a
registered NGO that promotes and protects the rights of children in crisis.
The funds collected from the sales of these calendars is to support a
worthy cause, and contribute to a fund-raising project to help out struggling
families in the B40 group.
26

Digitalisatio MARKETING
COMMUNICATION

oneTokio Mobile App

As we progress digitally and do our part to reduce
our carbon footprint, we also wish to make our
customers’ lives easier with our oneTokio mobile
application. oneTokio allows customers to access
their policy details and additional value added
services on the go. The general public can access
helpful health related information.

Digitalisation

Social Media Campaigns

To gain more traction with our digital audience, we
conducted number of social media contest for special
dates including World Heart Day, Breast Cancer
Awareness Month to increase public awareness and
take care of their health. We also had a Deepavali
campaign to celebrate the festival together.

Premium Gift Portal

Want to get Tokio Marine Life’s unique
premium gifts? Support us by going
digital and stay tuned for the launch of
our online based Premium Gift Portal.

27

Q What is the average waiting time for admission after Q Do you have Preferred hospital like others insurers?
I’ve produced the medical card and referral letters? A Yes, we have 164 panel hospitals in Malaysia & 14

A We will issue the Guarantee Letter within 45 - 60 preferred hospitals (more up coming).
• Lam Wah Ee
minutes hour only upon receiving full and complete • NSCMH
documentation & medical report from the hospital. • Sentosa Klang
• Anson Bay Medical Centre
Q Who should we call if we have difficulties with • Columbia Asia Group x 10 hospitals (except
hospitals?
Columbia Asia Hospital at Klang, Seremban and
A Kindly contact us via our toll free number at 1300-88- Shah Alam)

6638 so we may assist you. Q What is 30 days waiting period?
A Any medical or physical conditions arising within the
Q Is it compulsory to bring medical card upon
admission? first thirty (30) days of the Life Assured’s cover, from
the Effective Date of this Rider or date of reinstatement
A No. if you forgotten to bring medical card, just show your whichever is latest except for accidental injuries.

IC to admission counter staff & inform them that you are Q What is 120 days specific illness waiting period?
under coverage of TMLM. A 120 days from the Effective Date or Reinstatement Date

Q Can I use medical card at oversea? of this Rider, whichever is later.
A No SPECIFIED ILLNESSES shall mean the following

Q Why should I pay deposit to hospital since I have disabilities and its related complications.
medical card? a) Hypertension, diabetes mellitus and cardiovascular

A Collection of deposit is set by hospital not TMLM. The Disease; or
b) All tumours, cancers, cysts, nodules, polyps, stones
deposit is meant to pay any non-coverable item(NCI),
co-payment and co-insurance. If the deposit amount is of the urinary system and biliary system; or
more than the amount bearable by client, hospital will c) All ear, nose (including sinuses) and throat
refund the amount to you, vice versa.
conditions; or
Q What is the common Non-coverable items (NCI) d) Hernias, haemorrhoids, fistulae, hydrocele,
which I shall pay upon discharge?
varicocele; or
A Examples but not limited to below: e) Endometriosis including Disease of the reproduction

• Supplement : vitamin, hormone replacement etc system; or
• Medication which not related to admitting diagnosis Vertebro-spinal disorders (including disc) and knee

(eg. Admitted for viral fever but given medication for conditions.
hypertension)
• Lab Investigation test which not related to admitting Above illness (but not limited to) is not coverable if
diagnosis (eg. Admitted for appendicitis but having admission fall within 120 waiting period
bone density test done)
• External prosthetic appliances (eg artificial limbs, Q What is the common diagnosis excluded from GL
hearing aids, implanted pacemakers etc) coverage?

28 A • Pre-Existing Illness.

• 30 days waiting period (except accident related)
• Specified Illnesses
• Plastic / Cosmetic Surgery, circumcision (except for

infection)
• Dental conditions except as necessitated by

Accidental Injuries
• Any treatment or surgical operation for Congenital

Conditions / abnormalities or deformities including
hereditary conditions.
• Pregnancy, child birth (including surgical delivery),
miscarriage, abortion and prenatal or postnatal care
and surgical, mechanical and chemical contraceptive
methods of birth control or treatment pertaining to
infertility. Erectile dysfunction and tests or treatment
related to impotence or sterilization.

Policy Duration : 5 months
Diagnosis : kidney stones
GL rejected reason : Need further investigation / suspected non-d
or PEC of kidney stones
Explanation:
Admission past 120 days waiting period. However, kidney
stones will not formed over night. Hence, TMLM will need to do
investigation TRO any non-d or PEC of kidney stones.

PDGcoEiThLaeldiaxoMsgcvergplhyeneecLrlanosjelaDMealstleneucrtinhesawtrrweooaodt:iidltiltuoltFithlocgonenrronheaevt:Uvhaece:eaWetsld1urdo(lrsmtfyonueooheapiroh:taddottwaerNohinnndn3iesgipdneimfranviooddmedorpulasmpfnoeuatbotisirchgststatocshaseeliietdsadosioretc,nt)annci.tnhgitdT.vieseReR,nspOUettoiaWglasiacnotmyyinoiwnngbiohle/lntiNsn-imdugOspoTpiosrestPaceifEtkdereCdaloiusoanpefdodribnnay-gcidshceoooldinerlenciPstth.t.EeoIfHCrleoceslloinetlfecenerrvtoa,edliTslildeeMwvdnLaeoMslt
Note: Please declare!

Policy Duration : 3 years
Diagnosis : Fracture femur due to accident
GL rejected reason : Non-d of diabetic ( Doctor stated in medical report that client had diabetic for 5 years)
Explanation:
TMLM will withdraw GL due to non-declaration of diabetic even though admitted for accident. Reason being is
if diabetic was declared to UW upon proposal stage, UW might postponed / imposed loading on policy. If client
did not agree with the loading, this pol will not take up by client, hence, TMLM shall not cover for this admission.
Note: Please declare!

29

30

TPD Claim
By Gender & Age Band
INSURANCE Total Permanent Disability Number of Contract Claim Amount (RM)
Female
INSURANCE CARD 41-50 4 169,288
51-60 11 3,796,689
NAME SURNAME Male
12345678 31-40 6 1,833,349
41-50 10 2,991,221
MONTH/YEAR 00/00 51-60 6
61-70 3 343,822
CLAIMS Grand Total 40 242,754
S TAT I S T I C 9,377,122

* The statistics above is based on claims reported during 1 Jan 2020 - 31 December 2020

CI Claim Death Claim Medical Claim
At A Glance
By Gender, Age Band & Claim Description By Gender, Age Band & Claim Description

Claim Description No. of Claim Amount Claim Description No. of Claim Amount
Contract (RM)
Female Contract (RM)

Female 2 285,000 1-10 7 220,083 12.0% 16.9%
1 85,000 Other Diseases 7 220,083 3.9% 12.3%
1-10 21-30 6 554,401 7.1%
Cancer 1 200,000 Accident 3 247,743
Systemic Lupus Erythematosus with Cancer 1 180,000 7.2%
Lupus Nephritis 2 90,000 Other Diseases 2 126,659
11-20 1 30,000 31-40 19 919,358 9.0% 11.7%
Cancer 1 60,000 Accident 2 210,253
Others 6 499,000 Cancer 4 202,798 9.9% 10.1%
21-30 2 105,000 Other Diseases 11 450,198
Cancer 1 10,000 Others 2 56,109 Injury, poisoning and certain other consequences of external causes
Benign Brain Tumor 3 384,000 41-50 52 2,135,129 Neoplasms
Others 16 1,245,297 Accident 2 101,117 Diseases of the digestive system
31-40 11 610,000 Cancer 28 1,294,171 Diseases of the circulatory system
Cancer 1 100,000 Coronary Heart Disease 2 8,361 Diseases of the musculoskeletal system and connective tissue
End Stage Kidney Failure 4 535,297 Other Diseases 16 616,480 Diseases of the genitourinary system
Others 36 2,178,494 Others 4 115,000 Diseases of the respiratory system
41-50 2 200,000 51-60 48 1,633,043 Certain infectious and parasitic diseases
Blindness/ Total Loss of Sight 23 1,266,000 Cancer 16 697,876 Diseases of the eye and adnexa
Cancer 3 140,000 Coronary Heart Disease 4 76,542 Others
Stroke 1 140,000 Other Diseases 24 778,625
Major Burns 7 432,494 Others 4 80,000 Medical Claim Claim Amount %
Others 31 1,954,875 61-70 55 2,142,439 Diagnosis (RM)
51-60 Cancer 3 108,728
Angioplasty And Other Invasive 1 5,000 Coronary Heart Disease 15 717,407 Injury, poisoning
Treatments For Coronary Artery Other Diseases 3 156,410 and certain other
Disease 17 1,165,000 Others 34 1,159,894 consequences of
Cancer 2 80,000 71-80 52 2,852,348 external causes
End Stage Kidney Failure 3 110,000 Cancer 8 329,861 Neoplasms
Serious Coronary Artery Disease 8 594,875 Coronary Heart Disease 9 1,043,563 Diseases of the
Others 14 467,844 Other Diseases 35 1,478,924 digestive system
61-70 9 130,000 81-90 38 1,236,370 Diseases of the
Cancer 1 10,000 Cancer 4 86,733 circulatory system
Benign Brain Tumor 4 327,844 Coronary Heart Disease 2 173,233 Diseases of the
Others 1 150,087 Other Diseases 32 976,404 musculoskeletal
71-80 1 150,087 system and
Others 108 Total (Female) 277 11,693,171 connective tissue
6,870,597 Diseases of the
Total (Female) 2 Male 4 146,589 genitourinary system 18,793,858 16.9%
1 460,000 Diseases of the
Male 1 100,000 11-20 4 146,589 respiratory system 13,697,218 12.3%
1 360,000 Certain infectious and 12,948,433 11.7%
1-10 1 20,000 Accident 30 1,580,958 parasitic diseases
Cancer 6 20,000 11 733,663 Diseases of the eye 11,214,561 10.1%
Others 2 453,355 21-30 2 63,959 and adnexa
11-20 1 100,000 Accident 3 136,115 Others 10,988,879 9.9%
Cancer 3 50,000 Cancer 12 624,877
21-30 6 303,355 Coronary Heart Disease 2 22,344 TOTAL 9,945,996 9.0%
Cancer 3 281,000 Other Diseases 40 3,962,499
Coronary Heart Disease 0 130,000 Others 11 1,384,929 7,988,159 7.2%
Others 3 30,000 31-40 2 135,563
31-40 17 121,000 Accident 11 1,348,622 7,846,190 7.1%
Cancer 1,774,822 Cancer 15 1,073,386
Serious Coronary Artery Disease 1 Coronary Heart Disease 1 20,000 4,276,281 3.9%
Others 8,000 Other Diseases 78 8,498,099 13,284,032 12.0%
41-50 0 Others 6 639,380 110,983,609 100.0%
Angioplasty And Other Invasive 4 15,000 41-50 14 898,178
Treatments For Coronary Artery 2 1,130,000 Accident 8 813,900 * The statistics above is based on claims received from
Disease 6 Cancer 43 5,996,641 01/01/2020 to 31/12/2020
Blindness/ Total Loss of Sight 4 180,000 Coronary Heart Disease 7 150,000
Cancer 21 200,000 Other Diseases 102 6,448,742 Gender No of Case Claims Amount (RM)
End Stage Kidney Failure 241,822 Others 2 46,905 Male 11,752 58,286,690
Serious Coronary Artery Disease 1 933,691 51-60 14 1,067,332 Female 11,040 52,696,919
Others Accident 24 1,782,750 Total 22,792
51-60 1 3,000 Cancer 52 3,179,882 110,983,609
Angioplasty And Other Invasive 4 Coronary Heart Disease 10 371,873
Treatments For Coronary Artery 1 15,000 Other Diseases 118 9,339,250
Disease 7 120,000 Others 9 549,096
Blindness/ Total Loss of Sight 3 100,000 61-70 16 1,276,133
Cancer 4 115,000 Accident 24 2,934,627
Coronary Heart Disease 11 70,000 Cancer 65 4,352,698
Serious Coronary Artery Disease 510,691 Coronary Heart Disease 4 226,696
Heart Attack 1 514,469 Other Diseases 56 2,235,253
Others Others 1 56,312
61-70 3 2,000 71-80 6 321,225
Angioplasty And Other Invasive 2 Accident 5 112,940
Treatments For Coronary Artery 1 260,000 Cancer 43 1,737,516
Disease 1 40,000 Coronary Heart Disease 1 7,260
Cancer 3 30,000 Other Diseases 21 1,071,536
Serious Coronary Artery Disease 10,000 Others 1 50,000
Stroke 64 172,469 81-90 3 114,481
Heart Attack Cancer 17 907,054
Others 4,437,336 Coronary Heart Disease
Other Diseases 449 33,282,925
Total (Male)
Total (Male)
Grand Total 172 11,307,933

* The statistics above is based on claims reported during Grand Total 726 44,976,096
1 Jan 2020 - 31 December 2020

* The statistics above is based on claims reported during 31
1 Jan 2020 - 31 December 2020

ROATIA2021 AGENCY MAIN TOUR
Contest Period:
1 October 2020 to 30 September 2021 (Production requirement)
1 January 2021 to 31 December 2021 (Recruitment requirement)