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Welcome to Fincrew – Your Trusted Insurance Partner

🌟 Who We Are

At Fincrew, we're revolutionizing the way Malaysians think about and manage their insurance. Born from a desire to simplify the insurance journey, we leverage cutting-edge technology to bring you a seamless, user-friendly platform that connects you with a comprehensive range of insurance products. Whether you're looking to insure your car, protect your travels, or secure your health, Fincrew is your go-to digital insurance companion.

🚀 Our Mission

Our mission is straightforward: to empower you with choice, clarity, and convenience in your insurance decisions. We understand that insurance can be complex, but we're here to make it simple. By offering an easy-to-use platform for comparing and purchasing insurance, we aim to provide peace of mind for all Malaysians, one policy at a time.

💡 Why Choose Fincrew?

👉 Compare with Ease: Instantly compare policies from top insurers to find the best fit for your needs and budget.
👉 Expert Support: Our team of friendly experts is always on hand to guide you through the process, ensuring you make informed decisions.
👉 Instant Activation: Say goodbye to waiting. With Fincrew, your policy is activated the moment you make your choice.
👉 Trusted by Thousands: Join a growing community of satisfied customers who've found their insurance match with us.

🌈 Beyond Insurance

At Fincrew, we believe in building a community. Through educational content, engaging social media interactions, and customer-first service, we're here to support you beyond just the transaction. Insurance is about security and trust, and we're committed to earning yours every day.

💌 Get in Touch

Ready to simplify your insurance experience? Visit our website, reach out on social media, or drop us a message. We're here to help you navigate the world of insurance with ease and confidence. Explore | Compare | Secure with www.fincrew.my today and discover the smarter way to insure.


What happens to the money in your bank account when you die in Malaysia?Many people assume their spouse or children can ...
30/09/2026

What happens to the money in your bank account when you die in Malaysia?

Many people assume their spouse or children can simply withdraw the money — especially if they know the ATM PIN or online banking password.

It's not that simple.

When an account holder dies, money in an individual bank account generally becomes part of the deceased's estate. The family may need the proper legal authority and estate administration process before the bank can release the funds.
This creates another problem many families don't think about: what happens to next month's bills while the money is being sorted out?

Mortgage, groceries, utilities and school expenses don't stop when someone passes away.

That's why estate planning isn't only about deciding who gets your money. It's also about making sure your family knows where your money is and has access to enough funds while your estate is being administered.

We explain what happens to individual accounts, joint accounts and smaller estates — plus one simple thing you can do today to make life easier for your family.

You have RM50,000 in your bank account. One day, you pass away unexpectedly. Can your spouse simply withdraw the money? Can your children transfer it because

💰 Can you really put RM2,500 into your 14-year-old child’s EPF and get RM500 from the government?This savings strategy h...
21/09/2026

💰 Can you really put RM2,500 into your 14-year-old child’s EPF and get RM500 from the government?

This savings strategy has been circulating on social media, and parts of it are true.

✅ Malaysians can register as EPF members from age 14
✅ Eligible i-Saraan members can receive a 20% government incentive
✅ Contribute RM2,500 → maximum RM500 annual incentive
✅ That means RM3,000 could go into EPF before future dividends

But there's an important catch.

Simply being 14 and having an EPF account does NOT automatically qualify your child for the RM500 i-Saraan incentive. i-Saraan has its own eligibility requirements, particularly around self-employment, gig work and having no fixed income.

And there's another limit people may overlook: the standard i-Saraan incentive is currently capped at RM5,000 over a member's lifetime, subject to the programme rules.

So before transferring RM2,500 because you saw this “hack” online, check whether your child actually qualifies.

The more interesting idea may be starting retirement savings at 14. With potentially 46 years until age 60, even a relatively small amount has decades to compound.

We fact-check the viral RM2,500 → RM500 strategy and explain what Malaysian parents should know.

A Malaysian parent recently shared an interesting money strategy on social media: once his child turned 14, he opened an EPF account, registered for i-Saraan an

Retired… but still getting “paid” every month?When you turn 55, you don't necessarily have to withdraw all your EPF savi...
17/09/2026

Retired… but still getting “paid” every month?

When you turn 55, you don't necessarily have to withdraw all your EPF savings at once.

Through EPF i-Emas, eligible members can arrange to receive part of their savings as monthly payments, while the remaining balance stays in EPF.

For example, instead of withdrawing RM500,000 immediately, you could potentially structure RM2,000 or RM3,000 monthly withdrawals — or take a partial lump sum and receive monthly payments for the rest.

Why does this matter? A RM500,000 retirement fund can look like a lot of money sitting in one account. But when that same amount needs to support 20 or even 30 years of retirement, the picture changes completely.

In our latest Fincrew article, we explain how i-Emas works, what happens to your EPF at 55, how different monthly withdrawal amounts affect how long your savings could last, and why withdrawing everything isn't your only option.

For many Malaysians, turning 55 comes with a financial moment they have waited decades for: access to their EPF savings. Imagine opening your i-Akaun and see

If your EV catches fire at home and the fire spreads to your house… does your motor insurance pay for everything?Not nec...
07/09/2026

If your EV catches fire at home and the fire spreads to your house… does your motor insurance pay for everything?

Not necessarily.

The recent EV fire in Alam Damai, Cheras highlights something many Malaysian homeowners may overlook: one fire could involve several completely different insurance policies.

Your EV, your house and everything inside your house may not be covered under the same policy.

🚗 Motor Insurance — Is your own vehicle covered against fire?
🏠 Homeowner / Fire Insurance — What about damage to the building?
🛋️ Householder Insurance — Are your furniture, appliances and belongings protected?
🔌 EV Charger — Is your home wallbox actually covered?
💰 Sum Insured — Is your house insured based on an adequate rebuilding cost?

And if your bank arranged insurance together with your housing loan, don't automatically assume that means everything inside your home is insured too.

The question isn't simply:

“Do I have insurance?”

It's:

“What exactly does my insurance cover?”

We break down what Malaysian EV owners and homeowners should check before something happens — not after.

An electric vehicle catches fire while parked at home. The vehicle is badly damaged. The fire spreads to the porch. Then to the house. Furniture, ap

🏠 Freehold or leasehold — which one is actually better in Malaysia?Most Malaysian homebuyers will immediately say: “Free...
31/08/2026

🏠 Freehold or leasehold — which one is actually better in Malaysia?

Most Malaysian homebuyers will immediately say: “Freehold!”

But freehold doesn’t automatically mean it’s the better property.

A well-located leasehold property near an MRT station, workplace, schools and amenities could potentially make more sense than a freehold property in a less desirable location.

Before deciding, there are several things buyers should understand:

🔹 What freehold and leasehold actually mean
🔹 Why the remaining lease matters more than simply “99 years”
🔹 What happens as a lease gets shorter
🔹 Whether a leasehold title can be extended
🔹 How remaining tenure could affect bank financing
🔹 What restrictions in interest could mean when selling
🔹 When buying leasehold could actually make sense

The key takeaway?

Don’t buy a bad property just because it’s freehold — and don’t automatically reject a good property just because it’s leasehold.

Location, price, financing, remaining tenure and your long-term plans all matter.

Ask Malaysian homebuyers whether they prefer freehold or leasehold property and you'll probably hear the same answer: "Freehold, of course." It sounds

Malaysian SME owners: registering your business with SSM doesn’t automatically mean you have official Status PMKS.Status...
27/08/2026

Malaysian SME owners: registering your business with SSM doesn’t automatically mean you have official Status PMKS.

Status PMKS by SME Corp Malaysia officially verifies whether your business qualifies as a Micro, Small and Medium Enterprise (MSME) under Malaysia’s national definition.

Why should business owners know about it?

🔹 Official verification of your SME/MSME status
🔹 May be required for certain government assistance and incentives targeted at PMKS
🔹 Classification is based on annual turnover and number of full-time employees
🔹 Covers Micro, Small AND Medium Enterprises
🔹 Successful applicants receive a digital Status PMKS certificate valid for 2 years
🔹 You can check your eligibility through SME Corp Malaysia’s MyBPI system

Important: Having Status PMKS does NOT automatically guarantee a government grant or incentive. Each programme can still have its own eligibility requirements.

If you run a Malaysian business, it’s better to understand your PMKS status before the next grant, financing programme or SME initiative opens — not after.

You registered your business with SSM. You have a business bank account. You file your taxes. So you're officially an SME in Malaysia, right? Not q

⚠️ Resigned as a company director? Your company’s unpaid tax problems may not necessarily end with your resignation.Unde...
17/08/2026

⚠️ Resigned as a company director? Your company’s unpaid tax problems may not necessarily end with your resignation.

Under Section 75A of Malaysia’s Income Tax Act 1967, certain directors can be held jointly and severally liable for company tax that became due and payable during the relevant period.

And there’s an important detail many business owners overlook: resigning later does not automatically wipe out liability that arose while you were still a qualifying director.

Our latest Fincrew article explains:

🔹 How Section 75A works
🔹 When directors may become personally liable
🔹 Why the 20% ownership/control rule matters
🔹 What happens after a director resigns
🔹 Why unpaid company tax and PCB need serious attention
🔹 What directors should regularly check to protect themselves

Running a Sdn Bhd provides limited liability, but that doesn't mean every tax problem will always remain inside the company.

You resign as a company director. Or perhaps the business shuts down completely. You might assume that any unpaid company taxes are now the company's problem.

⚠️ Thinking of becoming someone’s guarantor? Don’t treat it as “just a signature.”If the borrower stops paying, you coul...
12/08/2026

⚠️ Thinking of becoming someone’s guarantor? Don’t treat it as “just a signature.”

If the borrower stops paying, you could potentially face serious financial consequences. And while Malaysia’s RM100,000 bankruptcy threshold is often talked about, the actual rules for guarantors are more complicated than many people realise.

Our latest Fincrew article explains:

🔹 What being a guarantor actually means
🔹 What happens if the borrower stops paying
🔹 How Malaysia’s RM100,000 bankruptcy threshold works
🔹 What a “social guarantor” is
🔹 What protections guarantors may have
🔹 5 things you should check BEFORE signing

Helping a family member or friend is one thing. Putting your own financial future at risk without understanding what you signed is another.

A family member or friend needs a loan and asks you to become their guarantor. “It’s just a signature.” Sounds harmless, right? Not exactly. B

💰 What if you didn't have to wait until payday to access money you've already earned?For decades, Malaysians have waited...
22/07/2026

💰 What if you didn't have to wait until payday to access money you've already earned?

For decades, Malaysians have waited until month-end to receive their salary. But unexpected expenses don't always wait.

AmBank Group and Ramssol Group Berhad have launched Pay Day Now, Malaysia's first large-scale Earned Wage Access (EWA) platform, allowing eligible employees to access up to 25% of their earned salary each week—without taking on new debt.

Unlike credit cards, BNPL or personal loans, Earned Wage Access simply lets employees access wages they've already earned. While it offers greater financial flexibility, it's only available through participating employers and should still be used responsibly to avoid future cash flow issues.

Could this be the future of employee financial wellness in Malaysia? 🇲🇾

Read our full breakdown to learn how it works, who is eligible, and the benefits and risks before you decide whether it's right for you.

For decades, payday has always worked the same way. You work for an entire month, then receive your salary at the end of the month. If an unexpected expense po

Think you already know all the latest government changes in Malaysia? Think again.From free MEPS ATM withdrawals and 10-...
13/07/2026

Think you already know all the latest government changes in Malaysia? Think again.

From free MEPS ATM withdrawals and 10-year passports to stricter traffic laws, mandatory e-Invoicing, new EV regulations, cybercrime laws, BUDI fuel subsidy updates and more, 2026 has introduced some major changes that could affect your finances, business and daily life.

We've compiled everything into one easy-to-read guide so you can stay informed and avoid unnecessary penalties while making the most of available benefits.

Read the full article on FinCrew today.

Malaysia has introduced a series of new policies, incentives and regulations throughout 2026 that affect almost everyone — from motorists and business owners

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