Insurance Advisory: Maximize the best Coverage for yourself at the Lowest Cost

Our clients approach us to get unbiased advice before they decide to buy an insurance product, particularly medical & health insurance.

This includes but is not limited to:

  • Comparing coverage terms and getting direct quotes from multiple insurers in one place instead of talking to multiple insurance agents
  • Getting clarifications on various aspects of insurance coverage that they intend to buy, minus the sales pitch
  • Understanding often-overlooked insurance coverage terms & conditions to prevent claim rejection in the future
  • Getting the right amount and correct type of insurance coverage without overpaying and being over/under-insured
  • Reviewing existing insurance policies to evaluate whether the coverage is still suitable and relevant
  • Restructuring current insurance policies to get higher or better coverage at the same or lower premium cost

Advisory Outcome: You Get the Best Insurance Solutions

Our clients similar to you 👇

Testimonials by CF Lieu - Certified Financial Planner Malaysia

A ‘Lecture Session’ Done Well – from a Clinical Professor

Being a clinical professor myself, Lieu’s 1on1 ‘lecture session’ was all well done because it met what I wanted to know. It has helped me to discover a number of things about my insurance policies that I was not even aware of in the first place. 

For example, managing insurance coverage sustainability so I know what to expect 20-30 years now, instead of being faced with a rude, shocking discovery of policy lapse or premium spike.

The other important thing is that I am now able ask way better critical questions when any insurance product is recommended to me , instead of just settling for whatever is being offered. 

Personally, I do appreciate and understand that good, no conflict-of-interest advice which comes with a fair professional fee is worth it.

For example,  10x-ing medical coverage with only RM 40 extra per month.

Lieu also gave me investment portfolio management insights that made me rethink how to better my investment strategy going forward.

Dr Teh Wai Choon, Consultant Orthopaedic & Trauma Surgeon at Pantai Hospital,
also Clinical Professor at AIMST University

Testimonials by CF Lieu - Certified Financial Planner Malaysia
Testimonials by CF Lieu - Certified Financial Planner Malaysia

The advisory sessions are conducted in no rush have been extremely helpful and have clarified a huge amounts of points that I wasn’t aware prior.

I now feel much better equipped to make the right decision being guided step by step by CF Lieu.

Of course, the decision will be entirely mine but having the expertise of an expert from Malaysia who clearly understands the law, the rules, the practices is extremely valuable.

See Pierre Case Study Here

Pierre Perusset, General Manager – The Ritz-Carlton Hong Kong

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Clarity and Results

The most useful part of the advisory process was that on how you educated me on optimizing my spending on maximizing coverage at the lowest cost. Saved more than RM 6,000 a year for the next 17 years, and that’s not taking into account investing this amount and compounded annually. I like the common sense you advise on things and the details of it – even though I tend to forget but I still like the details you explained because I am a detailed person.

See Saiful Case Study Here

Saiful Amry Mahat, 39 (KL) Head of HR Services, APAC at Givaudan

Testimonials by CF Lieu - Certified Financial Planner Malaysia

The only regret I have when I engaging CF Lieu is NOT seeking his advice earlier pertaining to my family insurance matters.

Lieu has delivered precisely the the answers I am seeking to solve the insurance issues I had for more than 1 year, which I can’t seem to get straight answers from insurance agents.

The advisory sessions had been exceedingly useful in clearing all my doubts on the nitty-gritty stuff and showed me the exact approach to pay less while getting increase coverage.

I am satisfied and extremely thankful to Lieu – the advisory fees is indeed well spent.

Dr Nik Marzuki Bin Mohammad
Anesthesiologist, KPJ Klang Specialist Hospital

Testimonials by CF Lieu - Certified Financial Planner Malaysia

I engaged Lieu all the way from Singapore at the moment where I was almost blindsided by an insurance agent. Lieu’s advice has ‘saved’ me in the nick of time for me to fix the matter I overlooked.

As an analytical professional lacking time and practical exposure to the many aspects of personal finance, I often times feel I can’t connect the dots. However, Lieu’s process-oriented advisory approach has given me the utmost clarity I need to untangle a web of complications, giving me the confidence to move forward with an actionable strategy.

Also, I actually casually ‘verified’ his recommendations with the Finance director friend and he concurred that Lieu’s advice does make sense and hold water.

It has been a great experience for me engaging him and I’d vouch for his client-centric approach.

Joe Koon, 36 (Malaysian)
Front Line Leader (Team Manager) at Abbott Singapore

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Certainly recommend him (CF Lieu) to busy professionals who need independent and sound financial planning advice

Although my husband and I are trained in finance, we have been very busy with work and caring for our young children in recent years, therefore we engaged Lieu to handle our investment portfolio.

Lieu has been professional, knowledgeable, efficient and reliable. We like that we can communicate effectively over online meetings, saving even more time for our family.

I have also engaged him to compare medical insurance options in Malaysia. The information he gathered is objective, insightful and detailed.

I would certainly recommend him to busy professionals who need independent and sound financial planning advice.

Mrs. Carol Teoh (Singapore and Kuala Lumpur)
An educator who was previously a Chartered Financial Consultant in Singapore

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Gained so much clarity on my overall financial health and saved me a significant amount of money for the things inside my insurance & personal tax which I don’t think I will ever find out by myself.

Also provided me preemptive measures to plan for my next 5 years and the financial mistakes to avoid. Trust me, I have asked ChatGPT but it asked me to consult a financial advisor instead – ChatGPT was right!

Janson Chah, Principal Software Engineer, Tacklit

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Showed us what true fee-based financial planning is about

The immediate positive outcome from it – we thought we had a conventional non-transferable MLTA for our first KL property purchase but then we discovered it is actually a personal investment-linked policy. The banker from which we took the mortgage was supposed to send us the insurance policy but didn’t – until we asked.

We probably saved RM 4,000 to RM 5,000 insurance premiums a year from needlessly buying another insurance policy when we bought a second property in JB – if we had not known this until CF highlighted it to us. Throughout our engagement, CF patiently answered even the most unintelligent questions from us without contempt.

And a very refreshing non-product-pushing consultative approach, to say the least!

For example, he respected our decision to focus on investing in property for now, although we were made aware by CF that our portfolio should consist of diversified liquid assets as well. A licensed financial adviser we would highly recommend to people not from the finance sector but trying to set their finances straight

See Sam & Stephanie Case Study Here

Samuel Wong, 31 & Dr Stephanie Tan, 27 (Johor Bahru)
Business Owner & Dental Surgeon

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Lieu was able to understand what I wanted and articulate them better than I could – then solved them

Lieu has given me a level of clarity I’ve never thought possible for my insurance policies – but most importantly, his 1on1 advisory helped me to significantly reduce my financial commitment so that I can focus on what really matters to achieve my early ‘retirement’ and self-sufficiency goal.

I was skeptical at first, but by the end of the five 1on1 sessions with him, I was delighted – it simply exceeded my expectations.

Testimonials by CF Lieu - Certified Financial Planner Malaysia

Nazneem Hashim, 29 (KL/Labuan), First female helicopter pilot in Malaysia

Testimonials by CF Lieu - Certified Financial Planner Malaysia
Board Certified Behavior Analyst

I was concerned about my 1st admission to private hospital after only getting my medical insurance in-force for less than 2 years, being aware of the contestability period.

However, my worry was quickly allayed when Lieu walked me through the step-by-step instructions I need to do to get my insurance company to issue me the required Guarantee Letter (GL) for cashless admission, without any hiccup or delay, before the planned hospital admission day.

Sure enough, the process of getting the GL was completed smoothly, all the way until hospital discharge. It was also due to the fact that Lieu has done the application process properly for me in the very beginning to avoid any claim or coverage dispute with the insurance company.

Overall, I had a good, hassle-free experience!

Mable Lai – Co-founder & Clinical Director, Miles Autism Academy

Insurance Resources

Compilation of insights on insurance