Protect the life
you're building.
One advisory team for the three things every Malaysian family needs: insurance, will, and trust. Sorted before you need them.
Three steps to peace of mind.
No pressure, no jargon. Just a clear picture of where your family stands, and what to do about it.
A real conversation
A free 30-minute chat about your life, your family and what you already have. Not about products.
See the whole picture
We map what's covered, what's missing and what it costs, so you decide with clarity, not pressure.
We stay with you
Policies, will and trust set up right, then annual reviews, claims support and updates for decades.
Three pillars, complete protection.
Life, medical, income and general insurance. Comprehensive coverage for individuals, families and businesses.
Protect your legacy with a legally valid digital will: simple, affordable, and done in minutes.
Preserve and transfer your wealth across generations with professionally managed trustee solutions.
Complete coverage,
one trusted team.
Most families own insurance they don't fully understand, have no will, and haven't thought about estate planning. We change that, one conversation at a time.
What our clients say
Less than an hour everything already settled. Really feel very 安心 having someone dependable during stressful moments like this. No hard selling at all — everything was explained clearly based on my budget and needs.
I was diagnosed with a serious illness not long after and thankfully both policies could still claim. 如果当初真的退掉旧保单，现在一定后悔死。真的很感恩 for the honest advice.
I always thought insurance won't be useful until I was suddenly hospitalised. Everything was handled very smoothly and I didn't need to stress about paperwork at all. 真的是有事情发生的时候，才知道有个靠谱的人多重要。
Straight talk, no sales pitch.
We collected the internet's best reasons for skipping insurance: the government will pay, you won't get sick, your family will manage. Here's what actually happens when they don't hold up.
Know exactly where your family stands.
Most families have gaps they can't see: an outdated nomination, no will, a medical card that ends with the job. Six questions will show you yours in about a minute, with no email required.
We are APEX
KCG Advisory.
Founded and led by KC Tan, APEX by KCG Advisory was built with one mission — to give every Malaysian family access to clear, honest financial planning that actually works when they need it most. KCG stands for "Keeping Care for Generations."
Clarity
Every plan is explained until you fully understand it. No jargon, no fine print surprises. You make informed decisions.
Integrity
We recommend what's right for you — not what pays us more. With 5 partner companies, we have the flexibility to do that.
Longevity
We measure success by relationships that last decades. Claims support, annual reviews, and life milestone planning — we stay.
Whole life and term plans. Provides a lump sum to your family if you pass away — clearing debts and replacing your income.
Hospital bills, surgical fees, specialist costs — all covered so a medical crisis never becomes a financial disaster.
A lump sum payout on diagnosis of 36+ critical illnesses including cancer, heart attack, and stroke.
If illness or injury stops you working, your income continues. Covers your salary, mortgage, and daily living costs.
Endowment plans and ILPs that grow your wealth with protection built in. Disciplined saving with long-term returns.
Save from birth for your child's university fees, business capital, or life head start. Time in the market matters.
Comprehensive vehicle coverage — own damage, third party, flooding, and more. Competitive rates from Tokio Marine and Generali.
Home and commercial property coverage against fire, flood, theft, and structural damage.
Trip cancellation, medical emergencies abroad, lost baggage — full travel coverage for individuals and families.
Compensation for accidental death, permanent disability, or medical expenses arising from accidents.
Key person, fire & perils, public liability, contractor all-risk — protect your business assets and continuity.
Write a legally valid will digitally in under 30 minutes. Guided process with KOHA — Malaysia's trusted digital will platform.
Specify exactly how your property, EPF, savings, and insurance payouts are distributed to your beneficiaries.
Legally appoint a guardian for your minor children. One of the most important things any parent can do.
Life changes — marriage, children, property purchases. Update your will easily as your circumstances evolve.
Transfer assets to beneficiaries during or after your lifetime — bypassing probate, protecting privacy, and reducing delays.
Structure your estate so wealth transfers smoothly across generations — minimising legal fees, taxes, and family disputes.
Plan who takes over your business and on what terms. Protect the business you've built from family conflict and unexpected events.
Leave a lasting legacy by directing a portion of your estate to causes that matter to you, structured tax-efficiently.
Thinking about a career in financial advisory?
Real people.
Real results.
Over 500 families protected across Malaysia. Here's what they say.
Join APEX.
Build a career that gives you freedom, purpose, and a team that has your back. We're growing — and we want the right people with us.
our people.
Part of the largest and most elite strategic alliance in Great Eastern Life Malaysia — 32+ locations, elite support, and a brand that opens doors.
Your income is a direct reflection of your effort and skill. No cap, no ceiling. Top performers consistently earn 6-figures annually.
Structured mentorship from Day 1. Our 5-phase onboarding ensures you're equipped, confident, and making sales within 90 days.
Company trips, incentive travel, and an annual achievers night. We celebrate every milestone together.
Company-sponsored trips and overseas incentive travel. We work hard and play harder.
Be recognised on stage. Your achievements celebrated in front of the whole team every year.
Help families and individuals achieve financial security through insurance, estate planning, and wealth management. Perfect for fresh graduates and career switchers.
Develop your own client portfolio and lead a small team under APEX. Earn from personal cases and team overriding commissions.
Structured placements for undergraduates, with a named supervisor and full university documentation. See the programme in detail.
step today.
Drop us a message via the Contact page. We'll reach out within 24 hours to schedule a casual chat — no pressure, no obligation.
Is your family actually covered?
Six questions, about a minute. You will get a plain list of the gaps most Malaysian families have, and what each one means in practice. No email required, nothing saved.
Intern with a real advisory practice.
A structured placement with a registered Malaysian advisory firm. You will sit with real advisors, see real client work, and leave understanding how financial protection actually gets built.
joining.
APEX by KCG Advisory is the advisory practice of KCG Advisory PLT, a limited liability partnership registered in Malaysia. We advise Malaysian families and business owners across three areas: insurance, will writing, and trust and legacy planning. Our founder, KC Tan, has advised Malaysian families since 2004.
work on.
Not filing and coffee runs. You are given real responsibility, within the limits of what an unlicensed student may do.
Sit in on advisory sessions, help prepare needs analyses, and see how a protection plan is built from a family's actual circumstances.
Research products, regulation and estate planning topics, and help turn them into material clients can actually understand.
Work on campaigns, social content and client communication. Useful if you are studying marketing, media or business.
See how an advisory practice runs day to day: client servicing, claims support, records and compliance discipline.
works.
You are assigned a named supervisor from our advisory team, responsible for your work, your learning objectives and your university reporting.
Aligned to your university's placement requirements. Tell us the period your programme requires and we will work to it.
Paid, at prevailing market rate for your level of study, and confirmed in writing in your offer letter before you start.
We issue a formal offer letter on company letterhead and complete the placement, evaluation and reporting forms your institution requires.
suits.
Students in finance, business, marketing, actuarial science, economics or communications. You do not need an insurance background. What matters is that you are curious about how families protect what they build, and willing to speak to real people.
The 2026 intake is full. Send us your CV, your university, your programme and the placement period you need, and we will contact you when the 2027 intake opens. We reply to everyone.
APEX by KCG Advisory is the advisory practice of KCG Advisory PLT (LLP0040697-LGN), registered in Malaysia. KC Tan is an authorised Great Eastern life planner. General insurance is arranged through Tokio Marine and Generali.
SuperGroup.
Malaysia's most elite strategic alliance within Great Eastern Life — 32+ locations, award-winning professionals, and a legacy since 1991.
numbers.
SuperGroup (SG) is the most elite and largest strategic alliance within Great Eastern Life Assurance (Malaysia) Bhd, renowned for nurturing top professionals and setting industry benchmarks since 1991.
As a proud member of SuperGroup, APEX by KCG Advisory benefits from the collective strength, training resources, and recognition platform of Malaysia's premier insurance alliance.
Visit sg.com.my →Let's talk.
Whether you want to protect your family or build a career, we'd love to hear from you.
Medan Niaga Mutiara Cheras
Jalan 3/101C, Off Jalan Cheras
56100 Kuala Lumpur, Malaysia