Fynn | Fynnangel ConsultancyInsurance Agent in Malaysia13 Years ExperienceRemember Fynn,Ini Cover, Itu Cover,Semua Cover.Not sure what insurance you need, or whether your current coverage is enough?
I help individuals, families and businesses understand their insurance in simple words, review their existing coverage and find protection that suits their needs and budget.
Based in Klang Valley & Johor Bahru, serving clients across Malaysia.
Free consultation
About me
I'm Fynn, an insurance agent with Fynnangel Consultancy. I help individuals, families and businesses understand their insurance, plan the right protection and prepare for the future.
I believe insurance should be simple enough for you to understand what you're paying for and why you need it.
I'm here not only when you buy a policy, but also afterwards — from reviewing your coverage and updating your policy to helping with hospital admissions and claims.
My goal is simple: make insurance easier to understand, and be someone you know you can call when you need help.
01Understand what you need
We start with you — your family, income, commitments and what you're most concerned about. No complicated insurance talk.
02Check what you already have
If you already have insurance, I'll go through your policies and prepare a simple Policy Summary so you can clearly see what you're covered for.
03See what's missing
We'll look at what you already have and whether there are any important gaps, overlaps or areas that may need adjusting.
04Recommend what suits you
If you need additional protection, I'll show you suitable options and explain what's covered, what's not and how much it costs. Then you decide — no pressure.
Consultation is free, with no obligation to buy. I'll let you know if what you already have is enough.
Services
For you, your family or your business, I make insurance simple and help you find the protection that fits your needs.
If death or permanent disability happens, life insurance provides a lump sum to help you and your family financially.
The money can help with everyday expenses, home loans, children's education and other commitments, so your family has financial support when they need it most.
Who it's for
Anyone with family responsibilities, loans, children, or loved ones who depend on their income.
When serious illness happens, medical bills are only part of the financial worry.
Medical Card
Helps cover your medical bills
Hospitalisation • Surgery • Treatment
Critical Illness Insurance
Pays you a lump sum of cash
For your living expenses while you focus on recovery
A medical card helps with eligible hospital and treatment bills, while critical illness insurance gives you cash when you're diagnosed with critical illness.
You can use the cash for everyday expenses, home loans, family commitments or even to replace part of your lost income while you recover.
Who it's for
Anyone who wants to protect both their medical expenses and finances when serious illness happens.
Beyond EPF, set aside a little more for the future.
Build long-term savings for your retirement, including PRS (Private Retirement Schemes) and other ways to plan for retirement.
PRS personal income tax relief
Up to RM3,000 a year
Based on your actual contributions and tax eligibility; PRS and deferred annuities share this limit.
Who it's for
Employees and self-employed people who want to build retirement funds and long-term savings, and make full use of their personal tax relief.
Protect the things you own and the journeys you take.
From your car and home to your business premises and travels, the right insurance helps protect you from unexpected accidents, damage, loss and other covered events.
Whether you need motor, property, fire or travel insurance, I can help you arrange the right cover in one place.
Who it's for
Car owners, homeowners, business owners and travellers.
Decide who handles it, who receives it, when and how — according to your wishes.
A will and trust help you plan how your assets are passed on to the people you care about.
You can decide who will handle your estate, who should receive your assets, when they receive them and how they should be distributed — especially when young children or family members are involved.
Who it's for
Anyone who wants to make sure their assets and family arrangements are properly planned, instead of leaving important decisions until later.
Protect your business, your people and the things you've worked hard to build.
Every business faces different risks. I can help arrange the right protection for your company, from employee medical and accident coverage to business travel, fire and property insurance.
Keep your business protected, without having to figure out different types of insurance on your own.
Who it's for
SMEs, business owners and employers.
After-sales service
Buying insurance is just the beginning.
From policy servicing to hospital admission and claims, I'll be there to guide you through the process and help you with the important steps.
When you need your insurance most, you'll know who to call.
Going to the hospital? I'll guide you.
I'll help you understand how to use your medical card, what to prepare and what to expect during admission.
Need to make a claim? I'll help you through it.
From preparing and submitting the documents to following up on the claim, I'll guide you along the way.
Need to change something on your policy?
I can help with policy updates, payment matters, coverage questions and other servicing requests.
Is your insurance still enough today?
As your income, family and commitments change, I'll help you review your coverage and see if anything needs updating.
Is your medical card still enough?
Medical costs change over time. I'll help you understand what you currently have and whether your coverage still meets your needs.
Make sure the right person is named.
When you get married, have children or your family situation changes, I can help you review and update your nominees.
It's knowing who to call when you actually need it.
Whether it's a question about your policy, a hospital admission or a claim, I'll be here to help you through it.
Not sure what you need? Just ask.
How it works
A simple chat to understand what you need. No pressure, no obligation to buy.
Start with a quick chat.WhatsApp or call me and tell me what you're looking for — whether it's a medical card, family protection, business insurance or simply a policy review.
We look at what you already have and what may be missing.I'll understand your needs, budget and existing coverage before we talk about any plan.
I'll explain the suitable options in simple terms.We can compare the coverage, costs and important things you should know — so you can decide what works for you.
My service doesn't stop after you buy.From policy matters and hospital admission to claims and future reviews, you can always come back to me when you need help.
Videos
Short videos where I explain medical cards, claims, life insurance and everyday insurance questions in simple terms.
What to check before choosing a medical card just because the premium is low.
When an emergency room visit is covered by your medical card, and when it is not.
How a premium waiver works, and what to check before adding one to your plan.
How to work out a critical illness amount that fits your income and your family.
Videos load from YouTube or Facebook when you press play.
Latest articles
Practical insurance tips and simple explanations to help you understand your coverage and make better-informed decisions.
· 3 min read
Looking back at the ten-year milestone from the 2023 AIA Anniversary Awards, Fynn shares the challenges, client experiences and trust behind a career in insurance, and thanks the clients and friends who have been part of the journey.
· 5 min read
Explore baby protection before birth, pregnancy application windows, newborn hospital care and jaundice benefits, and how a prenatal rider differs from a medical card.
· 3 min read
Have a medical card but unsure how to cover living costs and lost income during recovery? Learn how medical cards differ from critical illness insurance, when a cash payout applies, and what to check in your cover.
FAQ
Simple answers to common questions about insurance, medical cards and planning ahead.
There's no one amount that suits everyone. Look at the private hospitals you're likely to use, their room rates and the cost of major treatments.
Also check your annual limit, deductible or co-payment, and nearby panel hospitals. As medical costs increase over time, it's a good idea to review your medical card every few years.
Life insurance protects you and your family financially if something happens to you, such as death, disability or serious illness.
General insurance protects the things around you, such as your car, home, business and travel.
Simply put: one protects people, the other protects your belongings and everyday risks.
Yes. There's no consultation fee and no obligation to buy.
I'll first understand what you need, review your existing coverage if you have any, and explain the suitable options clearly. You can then decide in your own time.
Yes, because a nominee and a will serve different purposes.
A nomination deals with your insurance payout, while a will covers your other assets, such as property, savings and investments.
A will also lets you decide who handles your estate, who receives your assets, and how you want them distributed.
How an insurance nomination works can depend on the policy and your circumstances, so it's worth checking your arrangement properly.
It's still worth having your own protection.
Company insurance usually stays with your job. If you resign, retire or change employers, your coverage may change or end.
Your own insurance stays with you regardless of where you work, and you can choose the coverage based on your own needs.
Think of company insurance as extra protection, rather than your only protection.
Start with the risks you cannot comfortably pay for yourself.
For many people, that means looking at medical expenses, income protection and family responsibilities first.
What comes first depends on your age, budget, existing coverage and who depends on you financially. You don't need to buy everything at once — start with the important gaps and build from there.
Don't panic, missing one payment doesn't always mean your policy ends immediately.
Many policies have a grace period, but what happens next depends on the type of policy and its terms.
If you've missed a payment, check it as soon as possible rather than leaving it unattended. I can help you check your policy status and what options are available.
Yes, this is one of the most important parts of my service.
I'll help you understand what to prepare, guide you through the claim submission and follow up on the progress with the insurer.
For medical card admissions, I can also guide you on the hospital admission and Guarantee Letter (GL) process.
If something happens, just contact me as early as you can. I'll guide you on what to do next.
Still have a question?
Not sure about your policy, medical card or coverage? Just ask me. No obligation.
Chat with FynnContact
Whether it's about your policy, medical card, claim or a new insurance plan, feel free to reach out. The easiest way to contact me is on WhatsApp.I work with clients across Malaysia, with in-person meetings available in Klang Valley and Johor Bahru.
