My Hero

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My Hero

SP case - My Hero

I had the privilege of providing comprehensive financial planning for a Financial Controller—covering medical coverage, critical illness, income protection, investment and retirement planning, estate planning, and will writing.

One day, he experienced blurred vision and was diagnosed with a brain tumor. Over the course of two years, he underwent seven brain surgeries, with a total medical bill reaching RM400,000. Thankfully, his medical card insurance covers the bills. On top of that, he received critical illness claim to serve as his long term care expenses.

However, a few months later, I received a call from his wife informing me that he had passed away due to a bacterial infection. I was unaware of the family's financial situation and she asked if I could help.

Me: "Don’t worry; we will handle everything after the funeral."

I paid my last respects to my friend. "You can go peacefully. I will ensure your wife and son are well taken care of financially."

Within three months, I managed to settle all the property transfers, insurance claims, and bank transactions. His son was able to continue his tertiary education in Australia. However, the widow struggled with six months of depression. We faced these challenges together, and today, she leads a peaceful, financially secure life.

The Great Father

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The Great Father

A father, working as a hawker, refinanced his house to help pay for his son’s education in Taiwan. After a few years, his son returned and started working as an engineer at Inventec. However, his son suddenly developed a digestive problem and began treatment at Lam Wah Ee Hospital. He had to bring his own lunch to work every day, following a strict diet to manage his health condition. Unfortunately, a year later, he passed away.

The father was left with a medical bill of RM60,000, which he had to pay in installments because the amount was too large. On top of that, he also had to continue making payments on the refinanced house loan.

This story highlights the sacrifices parents make for their children, and the harsh realities of unexpected events. We hope it serves as a reminder of the importance of risk management and early financial planning to safeguard our loved ones.

Mooncake Festival: Delivered Son’s Love & Responsibility

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We start our mornings off right

An engineer based in China, earning a salary in USD, was diagnosed with nose cancer. Although he was a Great Eastern customer not directly under my care, I assisted him with his critical illness claim.

Two years later, he sadly passed away. His family had no idea that he still had a  $75,000 life insurance policy. I helped them process the claim and personally delivered two cheques—one to his father (age 81) and one to his mother (age 79). Since it was the Mid-Autumn Festival, I also brought along some mooncakes as a gesture of comfort.

Father: "We borrowed money from relatives to get him treated in Singapore. After he passed, we used everything to repay the debts. There was nothing left. So, we went back to rubber-tapping."

Me: "Uncle, although your son is no longer here, his love and sense of responsibility remain. With these two cheques, you and Auntie can live a more comfortable life in the village—surrounded by the love and care your son left behind."

K–‘s story: Holiday Forever

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Holiday Forever

On Friday morning, we had an agency meeting. Halfway through the meeting, Agent K started feeling unwell, and her husband J (who is also my agent) took her to see a doctor. That evening, I received a call from J—he was at GMC Hospital with K. He had just been contacted by their family doctor, who shared that K’s blood test results showed signs of leukemia, though further confirmation was still needed. The final result would be available in two hours.

Me: "Whatever the result is, we will accept it and face it together."

The diagnosis was acute leukemia, and treatment was required by the following Monday. J and I went for a second opinion on Saturday, and J decided to begin treatment at GMC. He needed to prepare RM240,000 for the full cost of treatment. Fortunately, since both J and K were well insured, they decided to proceed.

K responded well to treatment, and they eventually moved into a new house. We celebrated both her recovery and their housewarming together.

Two years later, K began showing symptoms of a stroke and was admitted to the hospital once again. She was diagnosed with a recurrence of leukemia. On the third day, she fell into a coma. For the next 28 days, we all took turns donating platelets, supporting her as best we could—until she took her last breath.

The total medical bill came to around RM60,000. We said our final goodbye, sending her off on her eternal holiday.

K was one of my very best business partners. She had a caring and loving heart, a strong learning attitude, and a quiet yet warm presence. She was always smiling. We shared many memories together on company trips to places like Hokkaido, Egypt, Spain, and Turkey.

Thankfully, she experienced some of the best and most vibrant years of her insurance career before her long farewell.

She will always be in our hearts, and we will love her forever.

J—’s story: Because I trust you

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J— signed up for his first policy with me in 1996.

A pharmacist by profession, he and his wife have raised four children together—children I’ve had the pleasure of watching grow up over the years. From time to time, I assist him with planning and managing his financial goals, including medical and life coverage for his family, education funds for his kids, and even budgeting for their annual holiday trips.

As the family's main breadwinner, J— also has strong income protection and a well-structured retirement plan in place.

One day, J— came to me for financial advice regarding his plan to buy a double-storey semi-detached house. He was worried about whether he had saved enough for his two youngest children to pursue their tertiary education overseas.

After reviewing his financial planning together, I said:

Me: "Go ahead and buy the property you love. You deserve it!"

J—: "I never realized that all these years, you were helping with so many aspects of my financial planning—for me and my family."

Me: "Remember all the times I walked you through the plans and you agreed to proceed? Do you really recall what I explained to you back then?"

J—: "I understood it at the time, but I tend to forget over the years. But the most important thing is—I trust what you've done for me and my family."

It was only 20 years later that J— truly saw the full picture of the financial planning we had done together. His eldest daughter is now a doctor, his second daughter a pharmacist, and his third and fourth children are currently in university—funded by the education plan we put in place 18 years ago.

Now, as he approaches retirement, J— has peace of mind. He and his family are well-covered medically, and he has ample savings in his retirement fund to enjoy the next chapter of life to the fullest. Their journey continues with confidence, stability, and the rewards of years of careful planning.

Y—’s story: Waiting for dinner

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A teacher by profession, Y—'s story is testament to human resilience and a powerful lesson in planning ahead

One evening in 2001, Y—'s husband didn’t come home for dinner as he usually did. When her calls went unanswered and her waiting proved in vain, she grew increasingly worried. Rallying her family and neighbours, they began searching around the small town for her husband — and eventually, they found him in his car by the roadside in a nearby residential area. He had passed away from a sudden heart attack while driving home.

At the time, Y— was pregnant. Struggling to accept the heartbreaking news, she couldn't imagine raising her baby without his father. In her darkest moments, she even considered ending her life to be with her husband. But with the support and encouragement of her family and friends, she made it through the tragedy and gave birth to a healthy baby boy.

Thankfully, even though her husband is now in Heaven, his love and care for his family endured. Because of his thoughtful insurance planning, Y— and her son were provided for through the proceeds he left behind.

Y— was able to continue her teaching career, while the insurance proceeds helped fund the purchase of their home and her son’s education. Together, they rebuilt their lives and lived happily ever after.

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