Insights

Straight talk on insurance, wills & money.

Plain-English guides for Malaysian families — no jargon, no hard sell. New ones added regularly.

Insurance 101 · Malaysia
Why you don't need insurance. (A Malaysian guide.)

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.

July 2026 · 5 min read
Insurance 101 · Malaysia
Can creditors take your insurance payout?

A genuine superpower buried in the Financial Services Act 2013 — and why it only works if you nominate the right person.

July 2026 · 4 min read
Insurance 101 · Malaysia
What happens if you die without a will?

The Distribution Act 1958 decides for you — and its formula rarely matches what you'd have chosen. Ratios, frozen estates, and the RM60 billion problem.

July 2026 · 5 min read
Insurance 101 · Malaysia
How to write a valid will in Malaysia

The legal bar is lower than most people think. What the Wills Act 1959 requires, what to include, and the mistake that voids a gift.

July 2026 · 5 min read
Insurance 101 · Malaysia
Medical card vs critical illness insurance

One pays the hospital. The other pays you. Why "my company covers me" is the most expensive sentence in Malaysian financial planning.

July 2026 · 4 min read
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