Ask Joey Insurance

09/07/2026

Behind every MDRT qualification are families who trusted us with their future.

Triwealth Dynamics Team 我们一起成长~

26/06/2026

Every business has that one or two persons.

The one who closes most of the deals. The one everyone asks before making a big decision.

If you run a company, you just pictured someone. Now imagine they are gone for six months.

The revenue does not stop.
The clients do not wait.
The salaries still need to be paid. That is the risk most owners never think about.

When one person carries 50% -80%of your sales, they are not just staff. They are part of the foundation.

Key man insurance protects that foundation. Insure the person who brings the money in.

If you have someone like that in your business, it is worth a quiet conversation.

Happy to walk you through how it works when you are ready.

13/06/2026

那天朋友跟我说，她每个月帮孩子存教育金，存了好几年。
我问她：那你有报税扣减吗？
她愣了一下：“还可以扣税的咩？”

它叫 Simpan SSPN，国家教育储蓄计划。说白了，就是一个一边帮孩子存钱、一边帮你省税的户头。

每年净存款最高 RM8,000 可以扣税，每个家庭由一位家长申报，这项优惠已经延长到 2027 课税年。光是这一点，很多人就白白错过了好几年。

而且它不只是存钱。Prime 户头本身附带免费保障，保额等于你的存款余额，万一父母有事，孩子的教育金依然有着落；如果想要更高的保障，Plus 还可以加保到 RM120 万。2025 年的派息是 4.10%，是 11 年来最高的（派息会浮动、不保证，但本金由政府担保）。

如果家庭月入在 RM4,000 以下，政府还有最高 RM10,000 的配对金；RM4,000 到 RM6,000 的家庭，也有 GAPAI，最高 RM5,000。这些钱，是政府愿意为孩子的教育”加码”的。

一个小小的习惯，同时做到省税、保障、派息、政府配对。说到底，它们都指向同一件事：孩子的未来。

我常跟客户说，规划不是把钱锁死，而是让每一块钱都为你多做一点事。SSPN 只是其中一块拼图，重要的是它怎么放进你整个家庭的蓝图里。

07/06/2026

你家可能有一笔钱, 国家正在帮你"保管"着, 你却完全不知道。

#无主认领

07/06/2026

你家可能有一笔钱,
国家正在帮你"保管"着, 你却完全不知道。 💰

在马来西亚,有一个叫做 "Wang Tak Dituntut" (WTD) 的东西,中文叫做"无主认领的钱"
它是什么
是属于你、你家人、或你已故亲人的钱,但因为各种原因没有被领回去, 久而久之,政府就把它集中起来"代为保管"

你以为这种事不会发生在你家
但其实,这些情况非常常见

沉睡的银行户口多年没动用, 被银行送入 WTD
没领回的保险金, 亲人离世后家人不知道还有这份保单
未领取的股息分红, 公司派股息但人没收到
过期未兑现的支票
公司股东退款
法庭判决的赔偿金
离职后未领的工资

重点是
这些钱,是你的
国家只是替你保管
但如果你或你家人不去申领,它就会一直躺在那里

怎么查?完全免费, 100% 官方
JANM(马来西亚会计总署)有一个官方系统,叫 eGUMIS
第一步:上官方网站
官方网址: https://egumis.anm.gov.my

第二步:或下载官方手机 App "eGUMIS JANM"
只在 Google Play、App Store、AppGallery 下载
千万不要从 APKPure 或第三方平台下载——可能是病毒,会偷你的资料

第三步:注册一个户口
登录后做 Carian WTD(WTD 搜寻)
输入你或你家人的资料
看看有没有钱在等你领

第四步:找到了,怎么申领
网上直接提交(Online Application)
填写表格 UMA-7 与 UMA-8(官网可下载)
或亲自到 JANM 柜台办理(各州都有分行)

但请务必注意这几件事
第一,官方完全没有"代办公司"或"代理人"
财政部和 WTD 注册局,没有委任任何代理人、公司或个人帮你申领

如果有人跟你说"我可以帮你查、帮你申、抽几个百分比的佣金"
那是骗子

整个申领过程是 100% 免费的
JANM 不收取任何费用。不收查询费、不收申领费、不收处理费
任何要你付钱才能查 WTD 的,都是诈骗

不要相信"WTD 通知邮件"
JANM 与 BWTD(无主财产管理部),从来不会主动发邮件通知公众"你有 WTD 待领"

如果你收到这种邮件,99% 是钓鱼诈骗
不要点链接,不要填资料,不要交出银行账号

我顺便说一句。
真正完整的传承规划,是要让你的家人清楚知道你拥有哪些保单、投资、资产
在你离开后,直接、快速、合法地拿到该有的
让钱,到达它该到达的人是我每天在做的事

请把这篇分享出去,让更多家庭, 把属于他们的钱,领回家

02/06/2026

02/06/2026

老板，你公司里有没有一个人少了他，生意就撑不下去？

这个人可能是你自己,
可能是你的销售总监,
可能是掌握所有客户关系的合伙人。

我见过太多企业，不是倒在市场竞争里，而是倒在「少了一个关键人物」

关键人物保障 Key Man Protection Insurance是每一家中小企业都应该认真考虑的事。

滑动看完，你会知道你的公司现在面临什么风险 👉

留言「关键人」👇 我私讯你免费风险评估清单。

#关键人物保障 #企业主保障 #中小企业 #马来西亚保险 #企业风险 #生意传承 #公司保障

06/05/2026

人到中年才明白：
钱可以再赚，
保障却不一定能再买 💭

一位三孩爸爸的中年觉醒

上周和老友吃饭，他刚拿到体检报告，血压有点偏高。
他放下筷子，叹了一口气：
「Joey，我想给自己加一份保障，结果人家说要重新审核健康状况...」 😮‍💨
那一刻我突然意识到——
保障这件事，是健康时才能买的"奢侈品" 🫠

——————

我们 35-55 这一代，肩上扛着上有老下有小的责任。
最怕的不是生病本身，
而是生病之后才发现，
当年应该升级的保障，没升级。
很多朋友以为，
保障"有"就够了。
其实它就像手机系统——也需要更新换代 📲
🔸 旧版本：单层保障，额度可能跟不上医疗通胀
🔸 新版本：双层接力 + 更高额度 + 健康回馈

——————

最近留意到一个限时窗口期 🪟
可以在不需要重新审核健康状况的前提下，
把保障"接力升级"。
这种机会有多难得？
👉 越年长，可保性越窄
👉 一旦有健康"小状况"，加保就要打折扣
👉 窗口期一过，就要按当下健康状况重新评估

——————

我的中年心得 💡
保障是未雨绸缪的事，
不是等需要时才安排。
就像孩子的教育金——
越早规划，越从容。
越晚动手，越被动。

——————

如果你也是 35-55 岁，
建议趁着身体健康，
做一次「保障体检」🔍
看看你十年前买的保障，
今天还够不够用？

——————

想聊聊的朋友，
可以私信我「保障体检」📩
我会根据你的情况，
给你一些方向性的思路。
不推销，
只分享一位过来人的视角 ☕

——

我是Joey,
一位三孩爸爸
分享中年人最关心的三件事：
家庭・健康・传承 ✨

29/01/2026

"Joey, I already pay SOCSO. Why did you ask me to buy Group PA for my staff?"

I received a panic call from a client yesterday. Her staff had fallen off a motorcycle while making a delivery during office hours.

She was worried about the medical costs and the MC (sick leave) wages.

I told her: "Don't worry, for the MC wages and medical bill, this is a clear-cut employment injury. We claim SOCSO (PERKESO). I will guide you on the documents."

She paused and asked me the Golden Question: "If SOCSO covers this, then why do I still pay you for this Group Personal Accident (GPA) policy? Isn't it a waste of money?"

It’s a fair question. But here is the reality I shared with her:

1. SOCSO is strictly "Clock-In to Clock-Out" SOCSO is fantastic, but it only protects your staff during work hours or work-related travel. If that same staff falls off their motorbike on a Saturday night while going to the cinema? SOCSO pays RM0. Your PA policy? It covers them 24 hours a day, 7 days a week. Even on holiday.

2. The "Detour" Danger SOCSO requires a strict route (Peta Lakar). If your staff stops to buy pisang goreng on the way to a delivery and falls? The claim can be rejected because they "deviated" from the work route. PA doesn't care about the route. An accident is an accident.

3. Cash Flow vs. Pension SOCSO is great for monthly support (pension) if something tragic happens. But PA provides a Lump Sum Cash payout (e.g., RM50k instantly). When an accident happens, families often need a large amount of instant cash—to pay off car loans or modify their home. A monthly pension can't fix immediate cash flow issues. PA can.

The Conclusion? I told her: "Boss, SOCSO is the safety net for WORK. GPA is the safety net for LIFE."

As a responsible employer, having both means you never have to tell an injured staff member, "Sorry, you fell on a Sunday, so the company can't help you."

Need to review your SME coverage? Let’s chat.

Here is a Facebook post drafted for you. I have written it in a "storytelling" format, which usually gets better engagement than just listing facts. It positions you as an advisor who solves problems, not just a salesperson.

I have included a version in English and a mixed Manglish/Casual version, as that often works well for Malaysian SME owners.

Option 1: Professional & Storytelling (English)
Headline: "Joey, I already pay SOCSO. Why did you ask me to buy PA for my staff?"

I received a panic call from a client yesterday. Her staff had fallen off a motorcycle while making a delivery during office hours.

She was worried about the medical costs and the MC (sick leave) wages.

I told her: "Don't worry, for the MC wages and medical bill, this is a clear-cut employment injury. We claim SOCSO (PERKESO). I will guide you on the documents."

She paused and asked me the Golden Question: "If SOCSO covers this, then why do I still pay you for this Personal Accident (PA) policy? Isn't it a waste of money?"

It’s a fair question. But here is the reality I shared with her:

1. SOCSO is strictly "Clock-In to Clock-Out" SOCSO is fantastic, but it only protects your staff during work hours or work-related travel. If that same staff falls off their motorbike on a Saturday night while going to the cinema? SOCSO pays RM0. Your PA policy? It covers them 24 hours a day, 7 days a week. Even on holiday.

2. The "Detour" Danger SOCSO requires a strict route (Peta Lakar). If your staff stops to buy pisang goreng on the way to a delivery and falls? The claim can be rejected because they "deviated" from the work route. PA doesn't care about the route. An accident is an accident.

3. Cash Flow vs. Pension SOCSO is great for monthly support (pension) if something tragic happens. But PA provides a Lump Sum Cash payout (e.g., RM50k instantly). When an accident happens, families often need a large amount of instant cash—to pay off car loans or modify their home. A monthly pension can't fix immediate cash flow issues. PA can.

The Conclusion? I told her: "Boss, SOCSO is the safety net for WORK. PA is the safety net for LIFE."

As a responsible employer, having both means you never have to tell an injured staff member, "Sorry, you fell on a Sunday, so the company can't help you."

Need to review your SME coverage? Let’s chat.

25/01/2026

😱 I just checked eGUMIS and found RM100K!!

Okay, maybe not me, but have you checked yours yet?

Billions of Ringgit are sitting in the Accountant General's Department unclaimed. It could be an old bank account you opened during university, an old deposit, or a dividend check you missed.

Don’t let your hard-earned money sit there. 💸

Check here: https://egumis.anm.gov.my/

Drop a comment below if you found any "treasure"! 👇