Saturday, February 1, 2020

My New BLOG Site

Hi, I am now blogging from my new site


Do visit me there.

Thanks for Your Support.

Friday, January 31, 2020

Discovering Your Potential For Success

Donald and I worked together in Standard Chartered Bank. You can feel his confidence before he even speaks. He is clear and precise. Knows what he wants. And he makes it happen.

Brave Move. No Regrets.




Donald graduated with a degree in business from Montana University US. He spent 20 years working in the banks and rising to senior positions at Public Bank, United Overseas Bank, Citibank, BDO Capital Consultants, Standard Chartered Bank, Alliance Bank, and CIMB Bank.

CIMB identified him a a Bright Young Talent, and he was one of the select few to be enrolled at INSEAD. Here, he found his calling for mentoring and coaching, after years of helming business divisions.

He continued to get his certification as a Leadership Trainer & Coach, and found a mentor in John Calvin Maxwell. This American author is a famed author, speaker and pastor with books like The 21 Irrefutable Laws of Leadership and The 21 Indispensable Qualities of a Leader, which have sold millions of copies.


He started his business 6 years ago.

Full Story in my new blog  www.docircle.blog

Wednesday, January 29, 2020

Yellowshorts - A Journey of Success

I met this enthusiastic young man when I was in Ambank. One can talk with, and listen to him, for hours. He is jammed packed with ideas and achievements.

Nicholas founded Yellowshorts Consulting & Biz Resilence 13 years ago in   2009. He is an international professional peak performance and management consultant in fields such as Applied Personality Types, Leadership, International Organizational Culture, Team Dynamics and Ideas Facilitation.

He focuses on his clients' needs and ensures there is good engagement.

He puts himself and his team on a path of continuous improvement, be it methods, techniques or tools. Equally important, he wants to bring fun back to training.

Yellowshorts is a boutique learning and development house, a HRDF certified training provider and an Evernote certified consulting agency. It provides training in personal and leadership management, and team dynamics such as personal branding, financial literacy, multi-generational workforce dynamics, mini MBA and social media marketing.

Please note that I am now blogging at my own domain. All my stories will now be at my new blog. 

Full story at www.docircle.blog

Monday, January 27, 2020

Check Out My New Blog Site

www.docircle.blog


I am now posting at the above site. I will slowly transfer my old posts to the new site. Thank you for all the support for the past few weeks. 

Jade Lee | The DO Circle

Sunday, January 26, 2020

New Blog Site (More Professional)

Thank you for your support for my Blog. With more than 7000 page views, I have bought my own domain, and started blogging on  docircle.blog .

See You.

Friday, January 24, 2020

Proudly Served by Deaf Partners at Starbucks

Kudos to Starbucks Bangsar Village 2, and Tan Sri Vincent Tan & team, for this cool initiative. This is a great place to catch up with old friends. It is on the 2nd floor, and is a wide open & quieter spot. 

We are served by deaf partners. Write down your order, and with a flurry of sign language, you are served with a smile. 






Image result for how to say hot and cold in sign language
Here's how you say "hot" latte
Image result for how to say hot and cold in sign language
If you want to say "cold" latte, do this.

Image result for how to say thank you in sign language
Don't forget to say "thank you".



Good Job, Starbucks Bangsar Village 2.


Jade Lee
The DO Circle
Dedicated to DOers, Achievers & Achievements
www.docircle.com.my


Thursday, January 23, 2020

Digital Takaful Paper

Nurul is a young, enthusiastic writer, who researched the landscape of takaful available online, for me. Here is her report.


ONLINE FAMILY TAKAFUL IN MALAYSIA: GOING DIGITAL WAY
By Nurul Azlyna Mohamad Rasidi
CIFP, Bach. of Acc (Hons), CII

THE BACKGROUND

Takaful industry in Malaysia has positioned itself as a trusted and valued solution provider for many years. The industry has recorded strong growth with almost 18% of market share in 2018 from 3% a decade ago. With 15 registered operators, Malaysia currently leads the takaful industry in the region.  

Similar to insurance, there are general and family takaful that essentially serve the same purpose of providing coverage to the participants. This paper however will only highlight the family takaful in Malaysia, offering three types of plans to choose from, family takaful provides financial protection against death or permanent disability and long-term savings to the participants. The plans are;
  1. Ordinary Family
  2. Annuity
  3. Investment-linked Takaful

Interestingly, the industry’s performance is considerably outstanding with a new business grew approximately 10% (year-on-year) in 2018 compared to approximately only 2% for life insurance. 

Family Takaful: New Business Contribution (in RM million, as at)
Source: Bank Negara Malaysia


FAMILY TAKAFUL: DOING IT DIGITAL WAY

As the takaful industry matures, digitisation and technology adaptation is expected to change the market landscape. Technology is also expected to pave significant inroads in providing new solutions and avenues in reaching the consumers.

As stated in KPMG’s Insurtech 10: Trends for 2019

“Mature insurance markets may see the new highly automated insurance platforms such as those developed in China as a direct challenge and seek to compete with them. The successful incumbents will likely be the ones who learn from them, adapting and adopting their tech where appropriate”.

Meanwhile according to EY, “more than 80% of customers are willing to use digital and remote contact channels (including web chat, email, mobile apps, video or phone) in place of interacting with insurers via agents or brokers”.

To support the digitalization effort, Bank Negara Malaysia (BNM) has established the Life Insurance and Family Takaful Framework in 2015 as an initiative to diversify distribution channels in promoting greater accessibility and wider outreach.

The framework requires the life insurers and family takaful operators to offer pure protection term products via direct distribution channels including online through their websites. The online channel allows customers to instantly get quotes via an innovative underwriting system, purchase the plans and receive immediate coverage; a great convenience to the customers indeed.

The commission - free standalone pure protection products namely term, critical illness and medical and health insurance/takaful. Pure protection product would be the simplest and cheapest form of coverage available to consumers, making it easy for the operators to curate and offer. 

The digital initiative, unsurprisingly, has received positive responses from the customers based on the higher share of new premiums and contributions incurred by online channel in 2018. It jumped significantly to 3.2% from 0.6% in 2017, suggesting the stronger digital presence and encouraging acceptance among customers.   

In contrast, the agency channels indicated lower share from 47.4% in 2017 to 41.8% in 2018, marking the downward trend experienced by the traditional channel. Nevertheless, the agency is still the most preferred channel compared to others.

*However, please take note that the data caters for both life insurance and family takaful.

Life/ Family Takaful New Premium and Contribution (By Distribution Channels), in %
Source: Bank Negara Malaysia



THE PLAYERS WHO GO DIGITAL

Following the initiative made by BNM, there are currently 21 family takaful products, as at to date that can be applied via online. The products offered are affordable and simple application process.  

The digitalization journey should offer hassle-free and convenient ‘online shopping’ experience to the customers. The processes include exploring the choice of operators, choosing and understand the products details and eventually to sign-up.

Sharing the author’s experience whilst completing this assignment, it is exciting to see some operators’ webs are conveniently accommodating to the need. It is easy to spot the online products without much navigation.

Having clear details, adequate information and hassle-free process can help customers in making decision. That is how the ‘online shopping should be.

Some of the operators with the easy to spot segments are:


Great Eastern Takaful


Hong Leong MSIG Takaful


Zurich Insurance & Takaful



PruBSN Takafual




Takaful Malaysia Bhd




Except for Takaful IKHLAS Family Berhad, here are the lists of online family takaful products by operators:

       
      
       1. AIA PUBLIC TAKAFUL

        a. AIA I-ONE PLAN
Description
A term family Takaful plan which covers death and total and permanent disability for one year
BENEFITS
Death or Total and Permanent Disability (TPD)
RM50,000
RM100,000
RM150,000
RM200,000
RM300,000
RM400,000
RM500,000
*This product is not available in AIA page but mentioned by MTA. This info is retrieved here: https://www.aia.com.my/en/our-products/online-products/aia-i-one-plan/



2. AMMETLIFE TAKAFUL BERHAD

a. I-AM-WIRA
Description
-A regular contribution protection plan.
-An additional 3 times of sum covered is payable if death or TPD is due to accident or death due to dengue or any insect/snake bites
BENEFITS
PLAN 1
PLAN 2
PLAN 3
Death or TPD due to All Causes
RM50,000
RM100,000
RM200,000
Death or TPD due to Accident
RM150,000
RM300,000
RM600,000
Death due to Dengue or Any Insect/ Snake Bites
Hospitalisation due to Accident (per day)
RM100
RM200
RM300




3. ETIQA FAMILI TAKAFUL BERHAD

a. I-SECURE
Description
A term takaful plan that provides death and TPD coverage
BENEFITS
Death and TPD
From RM100,000 to RM500,00
Extensive Period of Coverage
Extended up to 75 years old (participation between 21 years to 45 years old)
No medical check-up
No medical examination required
  

        b. I-DOUBLESECURE

Description
A term takaful plan, where coverage sum payable for accidental causes will be doubled
BENEFITS
Double Death
The beneficiary will receive double the sum covered when death is caused by an accident
Double TPD
Insurer and loved ones will receive double the sum covered when total permanent disability is caused by an accident
Flexible Coverage
Three coverage amounts specifically, RM50,000, RM100,000 and RM200,000
No medical check-up
No medical examination required

       c. E-MEDICAL PASS TAKAFUL
Description
-A standalone medical Takaful plan that provides medical coverage up to age 80
BENEFITS
SILVER
GOLD
PLATINUME
Overall Annual Limit
RM60,000
RM80,000
RM120,000
Overall Lifetime Limit
No Limit
SECTION A: IN-PATIENT & DAY CARE SURGERY BENEFITS
Hospital Room & Board Charges (per day limit)
RM100
RM150
RM200
Hospital Room & Board Charges (days per annum limit)
No Limit
Intensive Care Unit Charges (No limit on days per annum)
As Charged (subject to overall annual limit)
Surgical Fees
Anaesthetist Fees
Operating Theatre Fees
Hospital Supplies & Services Charges
In-Hospital Physician / Specialist Visit Charges (2 visits per day limit)
Day Care Surgery Fees
Ambulance Fees
SECTION B: OUT-PATIENT BENEFITS
Pre-Hospital Diagnostic Tests Charges, or Specialist Consultation Fees
As Charged
Post-hospitalisation Treatment Charges
(subject to overall annual limit)

Emergency Accidental Out-Patient Treatment Charges
Out-patient Kidney Dialysis Treatment Charges
Out-patient Cancer Treatment Charges
SECTION C: OPTIONAL
Deductible Option
Yes – Deductible limit: RM1,000, RM3,000 & RM5,000 per hospitalization
No – 100% of the eligible medical bill paid by Etiqa
No medical examination
No medical examination required

       d.  E-CANCERCARE TAKAFUL

Description
A pure protection plan that covers early stage to advanced stage cancers, up to 20 years
BENEFITS

Early Cash Payout
A cash payout of 30% of the covered amount will be paid directly for early stage cancers, including carcinoma in situ
Lump Sum Cash Payout
A lump sum of 150% of the covered amount will be paid directly upon diagnosis of advanced cancers
No medical examination
No medical check-up required


      
     4. GREAT EASTERN TAKAFUL BERHAD
      
       a. I-GREAT MURNI 2.0
Description
A term plan that provides lump sum benefit payment upon death or TPD
BENEFITS
PLAN 1
PLAN 2
PLAN 3
PLAN 4
PLAN 5
Death and TPD
RM100,000
RM200,000
RM300,000
RM400,000
RM500,000
Bereavement Allowance
RM5,000
Underwriting surplus and investment profit
Entitled to the underwriting surplus and investment profit, if any

        b. I-GREAT CRITICAL CARE
Description
A stand-alone Takaful plan that provides coverage any of 45 Critical Illnesses
BENEFITS
Sum Coverage
Up to RM500,000
Coverage for 45 Critical Illnesses
Except for angioplasty and other invasive treatments for coronary artery disease whereby the claim payout is limited to 10% of the Sum Covered subject to a maximum of RM25,000
Underwriting surplus and investment profit
Entitled to the underwriting surplus and investment profit, if any
No medical examination
No medical examination required

       c. I-GREAT MEDI CARE 2.0
Description
A  standalone medical Takaful plan without savings and investment element that provides coverage for Hospitalisation and/or Surgical Treatment due to accident or illness up to age 80 years next birthday
BENEFITS
PLAN TYPE D MC 200
Hospital Room and Board
RM200
As charged, subject to the limit stated above.
Intensive Care Unit
As charged.
Hospital Supplies and Services
As charged.

Reimbursement of Reasonable and Customary Charges which is consistent with those usually charged to a ward or room and board accommodation which is approximate to and within the daily limit of the amount stated in Hospital Room and Board benefit under the plan covered.
Surgical Fees
Operating Theatre
Anesthetist Fees
In Hospital Physician Visit (2 visits per day)
Pre-Hospitalisation Diagnostic Tests (Within 60 days before hospitalisation)
Pre-Hospitalisation Specialist Consultation (Within 60 days before hospitalisation)
Post-Hospitalisation Treatment (Within 90 days after hospital discharge)
Ambulance Fees
Day Surgery
Emergency Accidental Outpatient Treatment
3,000
As charged, subject to the limit stated above.
Overall Annual Limit for Items
100,000
Overall Lifetime Limit
No limit
Zero Co Takaful
No Co-Takaful is applicable for this plan
No medical examination

No medical examination required

Underwriting surplus and investment profit

Entitled for underwriting surplus and investment profit, if any



       
      5. HONG LEONG MSIG TAKAFUL BERHAD

 a. HLM TAKAFUL I-CRITICAL CARE
Description
-A standalone critical illness (CI) Takaful product which covers 5 critical illnesses namely heart attack, stroke, cancer, kidney failure and coronary artery bypass surgery.

-This plan is guaranteed renewable for a term of 10 years
BENEFITS
Critical Illness Benefit
-Sum Coverage up to RM500,000
-Upon diagnosis of any one of the covered diseases listed below:
  • Heart Attack – of specified severity
  • Stroke – resulting in permanent neurological deficit with persisting clinical symptoms
  • Cancer – of specified severity and does not cover very early cancer
  • Kidney Failure – requiring dialysis or kidney transplant
  • Coronary Artery By-Pass Surgery
No medical examination
No medical examination required

       b. HLM TAKAFUL I-HOSPITAL CARE
Description
-A standalone hospital income benefit Takaful product which pays daily cash allowance upon hospitalisation.

-If the admission is due to Cancer, the daily cash allowance will be doubled
BENEFITS
Hospital Cash Benefit (other than Cancer)
Pays cash benefit ; RM100 – RM500 (in a multiple of RM50) per day upon hospitalization
Hospital Cash Benefit due to cancer
Double cash benefit if hospitalised due to Cancer
No medical examination
No medical examination required

       c. HLM TAKAFUL ALPHA SAVER
Description
- An endowment Takaful product that can fulfill protection and savings needs
BENEFITS
Death or TPD

-Sum covered:


ENTRY AGE
MONTHLY CONTRIBUTION
1-45
46-55
RM50
RM10,000
RM7,000
RM100
RM20,000
RM14,000
RM200
RM40,000
RM28,000
Funeral Benefit
A guaranteed additional 10% of the Basic Sum Covered will be payable upon death
Triple Coverage For Accidental Death
A guaranteed 200% of the Basic Sum Covered will be payable
Maturity Benefit
100% of the Total Contribution Paid will be payable provided
Value-Added Services

SERVICE
AMOUNT
Hajj by Proxy(for Muslims)
RM3,500
Waqf
RM500
Qurban(for Muslims)
RM750
Cash Payments



CASH PAYMENT (RM)
END OF CERTIFICATE YEAR
% OF THE TOTAL CONTRIBUTION PAID
PLAN50
PLAN100
PLAN200
5
5%
150
300
600
10
5%
300
600
1,200
15
10%
600
1,200
2,400
20
15%
900
1,800
3,600
Total
1,950
3,900
7,800
No medical examination
No medical examination will be conducted upon applying


       
      6. PRUDENTIAL BSN TAKAFUL BERHAD

 a. CANCER PLAN
Description
-A yearly renewable term takaful plan which provides financial protection upon diagnosis of cancer.
-No amount will be payable upon death of participant.
BENEFITS
Sum Coverage
Cash payout up to RM250,000 upon the diagnosis of cancer
Easy to Subscribe
Only answer 2 questions related to cancer
Wider Range
Decide own contribution from as low as RM0.08 per day, according to needs

       b. MEDIC PLAN
Description
-A renewable medical plan
-It reimburses medical expenses incurred in the event of hospitalisation and for specific outpatient benefits.
BENEFITS
Hospital Daily Room & Board Benefit
Up to RM150 per day
Hospital & Surgical Benefits
1.Intensive Care Unit/ Cardiac Care Unit Benefit

2. In-Hospital & Related Services Benefit
 -Surgical Benefit
 -Hospital Supplies and Services
 -Operating Theatre
 -Anesthetist Fees
 -In-Hospital Specialist’s Visit
As Charged, subject to Deductible
Outpatient Treatment Benefits
1. Pre-Hospitalisation Treatment Benefit
2. Post-Hospitalisation Treatment Benefit
As Charged, subject to Deductible
3. Day Surgery Benefit
As Charged
Additional Benefits
1. Emergency Treatment for Accidental Injury Benefit
2. Government Hospital Daily Cash Benefit
3. Outpatient Cancer Treatment Benefit
4. Outpatient Kidney Dialysis Treatment Benefit
Up to RM5,000 per annum
RM50 per day
As Charged
DEDUCTIBLE
RM1,000, RM2,000, RM3,000
ANNUAL LIMIT
RM100,000
LIFETIME LIMIT
No lifetime limit
EASY TO SUBSCRIBE
Only answer 3 questions related to cancer
WIDER RANGE
Decide own contribution from as low as RM4 per day, according to needs


      
      7. SUN LIFE MALAYSIA TAKAFUL BERHAD

       a. SUN ESSENTIAL-I
Description
- A term plan that provides death and TPD benefit due to all causes.
- This plan also provides additional 100% of basic sum covered in the event of death / TPD due to specified infectious diseases
BENEFITS
PLAN 1
PLAN 2
PLAN 3
PLAN 4
PLAN 5
PLAN 6
Death and TPD due to all causes
RM50,000
RM100,000
RM200,000
RM300,000
RM400,000
RM500,000
Death or TPD due to specified infectious diseases
(Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza or Zika Virus Infection)
RM100,000
RM200,000
RM400,000
RM600,000
RM800,000
RM1,000,000
No medical examination
No medical check- up required

      b. SUN EMEDICARE INCOME-I
Description
A medical and health takaful plan with surplus sharing that provides comprehensive hospital income coverage up to age 70
BENEFITS
PLAN 1
PLAN 2
PLAN 3
Daily Hospital Income Benefit
RM100
RM150
RM200
Specified Infectious Diseases Daily Hospital Income Benefit
RM150
RM225
RM300
Overseas Daily Hospital Income Benefit
RM200
RM300
RM400
ICU Daily Hospital Income Benefit
RM300
RM450
RM600
No medical examination
No medical check- up required

      c. SUN ECRITICAL SHIELD-I
Description
-A medical and health takaful plan that provides coverage against lifestyle diseases

-This plan comes with Top 3 CI Care benefit* and Diabetes Care benefit** and it covers up to age 70.

*Top 3 CI Care benefit refers to cancer, stroke and heart attack
**Diabetes Care benefit refers to Surgery for Type 2 Diabetic Retinopathy, Limb Amputation due to Type 2 Diabetic Complications or Severe Diabetic Nephropathy resulting in Kidney Failure
BENEFITS
PLAN 1
PLAN 2
PLAN 3
PLAN 4
PLAN 5
Top 3 CI Care Benefit
RM50,000
RM100,000
RM150,000
RM200,000
RM250,000
Diabetes Care Benefit
RM10,000
RM20,000
RM30,000
RM40,000
RM50,000
No medical examination
No medical check- up required


       
       8.   SYARIKAT TAKAFUL MALAYSIA KELUARGA BERHAD

        a.   TAKAFUL MYCLICK MEDIPLUS
Description
A medical plan that pays the eligible medical expenses
BENEFITS
BRONZE
SILVER
GOLD
Section A: In-Patient and Daycare Surgical Benefits
Daily Hospital Room and Board (No limit on number of days)
RM100
RM150
RM200
Intensive Care Unit (Maximum 60 days per any one disability)
As charged
Surgical Fees
Anaesthetist Fees
Operati
ng Theatre
Hospital Supplies and Services
In-Hospital Physician's and Specialist's Visit
Ambulance Fees
Day Surgery
Daily Cash Allowance at Malaysian Government Hospital (No limit on number of days)
RM100
RM100
RM100
Section B: Out-Patient Benefits
Pre-Hospitalisation Benefit
As Charged
Post-Hospitalisation Benefits
Out-patient Cancer Treatment
Out-patient Kidney Dialysis Treatment
Overall Annual Limit (for Sections A & B)
RM 50,000
RM 75,000
RM 100,000

Worldwide coverage
Access specialised care all around the world, subject to the reasonable and customary charges in Malaysia
Pay and collect points
Gain 8excite loyalty points and get great deals after paying contribution
No medical check-up
No medical examination required

       b. TAKAFUL MYCLICK TERM
Description
-A term takaful plan that provides death and TPD coverage
- Option to include 39 critical illness coverage
BENEFITS
Death and TPD
From RM50,000 and up to RM500,000 or RM250,000 for participants’ children
Optional - Critical illness coverage

39 critical illness coverage


Pay and collect points with 8excite
Gain 8excite loyalty points and get great deals after paying contribution
No medical check-up
No medical examination required


       
       9.   FWD TAKAFUL BERHAD (FORMERLY HSBC AMANAH TAKAFUL (M) BERHAD)

       a.  FWD PROTECT DIRECT
Description
-A pure protection Takaful plan that covers death
-Participate in the product as an Individual or Family
BENEFITS
Death
Up to RM50,000
Pay same contribution yearly
Pay level contribution
No medical check-up
No medical examination required

       b.  FWD CARE DIRECT
Description
-A pure protection Takaful plan that a lump sum benefit when diagnosed with cancer
- Participate in the product as an Individual or Family
BENEFITS
Cancer Benefit
Up to RM250,000
Pay same contribution yearly
Pay level contribution


PERLINDUNGAN INITIATIVES

Apart from the above products, it is equally important to highlight on Perlindungan Tenang initiative that see few online products created as part of the objectives. Perlindungan Tenang is a national initiative launched in November 2017 with the support of BNM that aims to enhance financial inclusion of underserved segments in Malaysia, particularly the bottom 40% of household (B40).

Under the initiative, insurance and takaful products were created based on three basic criteria, which are affordable, accessible and simple. The first batch includes six life insurance products, three family takaful products and one general insurance product. So here are the 3 family takaful products available under the scheme:

Company
AIA Public Takaful[2]
Prudential BSN Takaful
Takaful IKHLAS
Product Name
AIA i-Starter Plan
Lindungi
AGRO Mabrur-i
Where to participate (Channel)
Online
Online
AgroBank Branches Nationwide
Entry Age
16 - 55 Years Old
19 – 60 Years Old
18 – 64 Years Old (For ages 60 and above, ONLY eligible to Plan 1)
Sum Covered
RM10k/ RM15k/ RM20k/ RM25k/ RM30k
RM20k/ RM30k
RM13k (Plan 1)/ RM26k (Plan 2)/ RM40k (Plan 3)
Contribution
As low as RM39.00 yearly (Depend on Age/Gender)
As low as RM50.00 yearly (Depend on Age/Gender/Health Status/Occupation)
RM75 (Plan 1)/ RM135(Plan 2)/ RM195(Plan 3) yearly
Source: MTA


THE FUTURE

The growth potential for family takaful industry remains enormous and promising given the low percentage of the Malaysian population having takaful at 15.2% despite a Muslim population of 60% (Malaysian Takaful Association).

Given the digital innovation in products, processes and business models of almost industries in the world today, it is super imperative for the famiy takaful operators to embrace the challenges presented by the digitalization. They should be agile and responsive towards the digital transformation. 

As echoed by KMPG in its report Insurtech 10: Trends for 2019:

“Digitize or die — how insurers must adopt business process transformation and become agents of change”

Ultimately, the advancement of digital technology would provide new ways for industry to reinvent itself, improve its distribution channels and engage with customers to reach out to more underserved markets.

Apart from that, going digital enables the operators to better insight on customers’ need based on the database.  This help the operators to stay relevant in the market and to say connected with customers.

Although the transformation is considerably still at infancy stage, Malaysians are certainly ready for the change. The rapid growth of online channel and high number of electronic payments (e-payment) made by the insurers show that digitalization is slowly taking place in the country. According to Life Insurance Association of Malaysia (LIAM), payments made by insurers via E-payment constituted 91% of the total volume of transactions and 87% of premiums received by the end of 2018. Migration to e- payments is one of the keys in transformation agenda.

Sharing the author’s experience; it is extremely important for the takaful operators to build customer-friendly page that offer pleasant experience. There are few winning factors to influence the customers’ decision; easy navigation, clear information and details of products are easily available.



[1] Including AIA I-One Plan that is mentioned by MTA but not available in the page
[2] The page is not available in the company’s page but it is mentioned by MTA