{"id":7283,"date":"2025-03-27T06:33:03","date_gmt":"2025-03-27T06:33:03","guid":{"rendered":"https:\/\/doreenloo.com\/?page_id=7283"},"modified":"2025-03-27T07:16:34","modified_gmt":"2025-03-27T07:16:34","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/doreenloo.com\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"
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High conversion rate FAQ articles: answer customers' common questions and increase consultation and conversion rates\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Why do I need to buy insurance if I already have it? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\ud83d\udca1 Are you buying \"security\" or an \"income safety net\"?<\/p>

90% of people buy insurance, but 90% of them only find out when something really happens that they didn\u2019t buy enough! Do you think so too?<\/p>

\u274c \u201cI already have insurance, so I don\u2019t need to buy more.\u201d
\u2714 \u201cBut does your insurance really protect your income?\u201d<\/p>

\u2757 Real case: I have insurance, but the money is still not enough!<\/p>

\ud83d\udccc Mr. Wang, 40 years old, married, bought RM200,000 critical illness insurance. He thought it was foolproof until he had a stroke.
\u2705 Medical expenses RM80,000, covered by insurance \u2705
\u274c But he was unable to work for 3 years, the family\u2019s monthly expenses were RM10,000, and the compensation was used up in less than 2 years!<\/p>

\ud83d\udca1 Your insurance should not only pay money, but also ensure that you and your family\u2019s lives are not affected!
\u2705 Income Insurance = 60 Months of Worry-Free Cash Flow!
\u2705 Even if you cannot work, you can still maintain an income of RM10,000\/month<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGet a free consultation now to check if your insurance is adequate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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\u201cWill I lose money if I buy insurance?\u201d - An insurance strategy that ensures you make a profit! <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\ud83d\udcb0 Can you get back the full amount of money you spent on insurance in the future, or even double it?<\/p>

Many people don\u2019t buy insurance because they are afraid that if they buy it, nothing will happen and the money will be wasted.
But did you know that there is now a kind of insurance that can help you get your money back, or even more, regardless of whether something happens in the future?<\/p>

\u2705 If you get sick\/accidental, we will compensate you for 60 months of income
\u2705 If you stay healthy, you can get 100% of your premium back when you retire, or even earn more
\u2705 100% cash compensation, no loan, no interest<\/p>

\ud83d\udca1 This is not about \"spending money to buy insurance\", but \"saving money + protection\"!
\ud83d\udccc Real case: Mr. Zhang, 35 years old, pays RM500 in insurance premium every month. If he is fine after 10 years, he can get back RM120,000.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tClick here to get a free calculation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Why do many people buy insurance but don\u2019t get any compensation in the end? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\u26a0 3 \u201cinvisible traps\u201d you may have overlooked!<\/p>

Many people buy insurance thinking it\u2019s safe, but when they actually go to claim compensation, they find out: \u201cThe insurance company won\u2019t pay?!\u201d
\u274c \u201cI bought insurance, why don\u2019t I get compensation?\u201d
\u2714 \u201cYou may have fallen into the \u2018invisible claim denial trap\u2019!\u201d<\/p>

\u26a0 Common claim rejection traps<\/p>

\ud83d\udea8 1. Disclaimer: Some diseases existed before buying insurance, but in the end, no compensation can be paid!
\ud83d\udea8 2. The compensation amount is low: I thought it was enough, but in fact it was only RM50,000, which is not enough for 3 months of living expenses!
\ud83d\udea8 3. Insufficient insurance period: It was only insured for 20 years, but it had expired when the accident happened!<\/p>

\u2705 Solution:<\/p>

\ud83d\udca1 Free insurance diagnosis to help you check if your policy has any risks!
\u2705 1-on-1 policy review to ensure that your insurance is not \"purchased but cannot be compensated\"
\u2705 Customize the most suitable insurance plan according to your income needs<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tGet a free policy diagnosis now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Why it is said that \u201cyou can\u2019t wait to buy insurance\u201d \u2013 a story of regret! <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\u26a0 You never know when an accident will happen<\/p>

\ud83d\udccc True story:
Liping, 35, planned to buy insurance next month, but she was busy with work and kept putting it off...
\ud83d\udca5 Two months later, he was diagnosed with liver cancer!
\u274c Insurance application was rejected! \ud83d\udc94
\u274c Medical expenses RM150,000, all paid by myself! \ud83d\udcb8<\/p>

\ud83d\udea8 Why is it that \u201cthe earlier you buy insurance, the more cost-effective it is\u201d?<\/p>

\u2705 Buying at a young age = cheaper premiums (buying at 30 vs. buying at 40, the premium difference is 50%!)
\u2705 Buy when you are healthy = 100% approval (once you get sick, you may be denied insurance or the premium may double!)
\u2705 Buy early and get protection early = when an accident happens, you will be compensated for 60 months\u2019 income!<\/p>

\ud83d\udca1 Insurance is not something you buy only when you need it, but it is something you buy to give you peace of mind!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tConsult now to get your personal insurance plan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Insurance is not an expense, but \"money to buy the future\" <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Are you willing to spend RM300 per month in exchange for RM600,000 in the future?<\/p>

Many people think that insurance is an expense, but in fact it is *\u201cfuture money\u201d*!
\ud83d\udccc Wei Lun, 30 years old, earns RM300 per month, accumulating RM36,000 after 10 years, but:
\u2705 If he gets sick, he can get RM600,000 in one lump sum!
\u2705 If he is healthy, he can get all his money back when he retires, or even make more!<\/p>

This money is a \"safety check\" you give to your future self!
\ud83d\udca1 Are you willing to spend RM10 a day in exchange for a worry-free future?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tLet me help you calculate which insurance is suitable for you?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

\u9ad8\u8f6c\u5316\u7387 FAQ \u6587\u7ae0\uff1a\u89e3\u7b54\u5ba2\u6237\u5e38\u89c1\u7591\u95ee\uff0c\u63d0\u5347\u54a8\u8be2\u4e0e\u8f6c\u5316\u7387 \u4e3a\u4ec0\u4e48\u6211\u5df2\u7ecf\u6709\u4fdd\u9669\u4e86\uff0c\u8fd8\u9700\u8981\u518d\u4e70\uff1f \ud83d\udca1 \u4f60\u4e70\u7684\u662f\u201d\u4fdd\u969c\u201d\uff0c\u8fd8\u662f\u201d\u6536\u5165\u5b89\u5168\u7f51\u201d\uff1f 90% \u7684\u4eba\u4e70\u4e86\u4fdd\u9669\uff0c\u4f4690%\u7684\u4eba\u5728\u771f\u6b63\u51fa\u4e8b\u65f6\u624d\u53d1\u73b0\u2014\u2014\u4e70\u7684\u4e0d\u591f\uff01 \u4f60\u662f\u4e0d\u662f\u4e5f\u8fd9\u6837\u60f3\uff1f \u274c \u201c\u6211\u5df2\u7ecf\u6709\u4e70\u4fdd\u9669\u4e86\uff0c\u4e0d\u9700\u8981\u518d\u4e70\u3002\u201d\u2714 \u201c\u4f46\u4f60\u7684\u4fdd\u9669\uff0c\u771f\u7684\u80fd\u4fdd\u969c\u4f60\u7684\u6536\u5165\u5417\uff1f\u201d \u2757 \u771f\u5b9e\u6848\u4f8b\uff1a\u4fdd\u9669\u6709\u4e86\uff0c\u4f46\u94b1\u8fd8\u662f\u4e0d\u591f\uff01 \ud83d\udccc \u738b\u5148\u751f\uff0c40\u5c81\uff0c\u5df2\u5a5a\uff0c\u4e70\u4e86RM200,000\u91cd\u75be\u4fdd\u9669\u3002\u4ed6\u4ee5\u4e3a\u4e07\u65e0\u4e00\u5931\uff0c\u76f4\u5230\u4ed6\u7a81\u53d1\u4e2d\u98ce\u2014\u2014\u2705 \u533b\u7597\u8d39RM80,000\uff0c\u4fdd\u9669\u8d54\u4e86 \u2705\u274c \u4f46\u4ed63\u5e74\u65e0\u6cd5\u5de5\u4f5c\uff0c\u5bb6\u91cc\u6bcf\u6708\u5f00\u9500RM10,000\uff0c\u8d54\u507f\u91d1\u4e0d\u52302\u5e74\u5c31\u7528\u5149\u4e86\uff01 \ud83d\udca1 \u4f60\u7684\u4fdd\u9669\uff0c\u4e0d\u53ea\u662f\u8981\u80fd\u8d54\u94b1\uff0c\u800c\u662f\u8981\u80fd\u786e\u4fdd\u4f60\u548c\u5bb6\u4eba\u751f\u6d3b\u4e0d\u53d7\u5f71\u54cd\uff01\u2705 \u6536\u5165\u4fdd\u9669= 60\u4e2a\u6708\u65e0\u5fe7\u73b0\u91d1\u6d41\uff01\u2705 \u5373\u4f7f\u4e0d\u80fd\u5de5\u4f5c\uff0c\u4e5f\u80fd\u7ef4\u6301RM10,000\/\u6708\u7684\u6536\u5165 \u7acb\u5373\u514d\u8d39\u54a8\u8be2\uff0c\u5e2e\u4f60\u68c0\u67e5\u4fdd\u9669\u662f\u5426\u8db3\u591f \u201c\u4e70\u4fdd\u9669\u4f1a\u4e8f\u94b1\u5417\uff1f\u201d \u2014\u2014 \u8ba9\u4f60\u7a33\u8d5a\u4e0d\u8d54\u7684\u4fdd\u9669\u7b56\u7565\uff01 \ud83d\udcb0 \u4f60\u4e70\u4fdd\u9669\u7684\u94b1\uff0c\u672a\u6765\u5168\u989d\u62ff\u56de\uff0c\u751a\u81f3\u7ffb\u500d\uff1f \u5f88\u591a\u4eba\u4e0d\u4e70\u4fdd\u9669\u7684\u7406\u7531\u662f\uff1a\u201c\u6211\u6015\u4e70\u4e86\uff0c\u6700\u540e\u4ec0\u4e48\u4e8b\u90fd\u6ca1\u53d1\u751f\uff0c\u94b1\u5c31\u767d\u767d\u6d6a\u8d39\u4e86\u3002\u201d\u4f46\u4f60\u77e5\u9053\u5417\uff1f\u73b0\u5728\u6709\u4e00\u79cd\u4fdd\u9669\uff0c\u4e0d\u7ba1\u672a\u6765\u6709\u6ca1\u6709\u51fa\u4e8b\uff0c\u4f60\u90fd\u80fd\u62ff\u56de\u94b1\uff0c\u751a\u81f3\u66f4\u591a\uff01 \u2705 \u5982\u679c\u751f\u75c5\/\u610f\u5916\uff0c\u8d54\u4f6060\u4e2a\u6708\u7684\u6536\u5165\u2705 \u5982\u679c\u4e00\u76f4\u5065\u5eb7\uff0c\u9000\u4f11\u65f6100%\u53d6\u56de\u6240\u7f34\u4fdd\u8d39\uff0c\u751a\u81f3\u8d5a\u66f4\u591a\u2705 100% \u73b0\u91d1\u8d54\u4ed8\uff0c\u65e0\u8d37\u6b3e\u3001\u65e0\u5229\u606f \ud83d\udca1 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\u201c\u4f60\u53ef\u80fd\u8e29\u4e2d\u4e86\u2018\u9690\u5f62\u62d2\u8d54\u9677\u9631\u2019\uff01\u201d \u26a0 \u5e38\u89c1\u62d2\u8d54\u9677\u9631 \ud83d\udea8 1. \u514d\u8d23\u6761\u6b3e\uff1a \u6709\u4e9b\u75c5\u4e70\u4fdd\u9669\u524d\u5c31\u6709\uff0c\u7ed3\u679c\u4e0d\u80fd\u8d54\uff01\ud83d\udea8 2. \u8d54\u4ed8\u91d1\u989d\u4f4e\uff1a \u4ee5\u4e3a\u591f\u7528\uff0c\u5b9e\u9645\u53ea\u80fd\u8d54RM50,000\uff0c\u4e0d\u591f3\u4e2a\u6708\u751f\u6d3b\u8d39\uff01\ud83d\udea8 3. \u4fdd\u9669\u671f\u9650\u4e0d\u8db3\uff1a \u53ea\u4fdd20\u5e74\uff0c\u7ed3\u679c\u51fa\u4e8b\u65f6\u5df2\u8fc7\u671f\uff01 \u2705 \u89e3\u51b3\u65b9\u6848\uff1a \ud83d\udca1 \u514d\u8d39\u4fdd\u9669\u8bca\u65ad\uff0c\u5e2e\u4f60\u68c0\u67e5\u4fdd\u5355\u6709\u6ca1\u6709\u98ce\u9669\uff01\u2705 1\u5bf91\u4fdd\u5355\u5ba1\u6838\uff0c\u786e\u4fdd\u4f60\u7684\u4fdd\u9669\u4e0d\u4f1a\u201c\u4e70\u4e86\u4e0d\u80fd\u8d54\u201d\u2705 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