Two advisers who actually stay by your side.
Advisers come and go. Yours won't. Kokrue gives every client two dedicated, experienced servicing agents, so someone who truly knows your plan is always there.
- Most MDRTqualifiers in Malaysia
- #1largest adviser group
- LicensedLIAM-registered advisers
Authorised agent of Hong Leong Assurance
Your plan should outlast any one adviser
A financial plan lasts decades. The relationship behind it shouldn't break the moment an adviser moves on.
One agent
- ✕Your agent moves on, and your file lands with a stranger or a call centre
- ✕You explain your family's situation all over again
- ✕Claims wait while someone new gets up to speed
Two dedicated agents
- ✓A second agent already knows your plan, so nothing gets dropped
- ✓Both are experienced advisers, no trainees learning on your family's cover
- ✓Claims and changes handled by people who already know you
Backed by Hong Leong Assurance
We're an authorised agency of Hong Leong Assurance Berhad, a member of PIDM. The medical cards we arrange can be used at 172 panel hospitals and medical centres across all 13 states and Kuala Lumpur, including KPJ, Pantai, Columbia Asia, Sunway and Gleneagles, subject to your plan's terms.
Panel list as at Sept 2026. It can change, so always check with your agents before a planned admission.
+ 8 more states
One connected plan for your whole life
Protection, wealth and legacy, looked after by two advisers, not one.
Financial Planning
Your EPF, insurance, medical card, home loan and savings, pulled into one clear plan that works together. Serviced by two dedicated agents.
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Life Insurance
Enough protection to keep your family in their home and your children in school, right-sized, without overpaying.
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Medical Card
One private hospital stay can cost tens of thousands. A right-sized medical card means you get treated without draining your savings.
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Loan & Refinancing
Taking a home loan or refinancing? Get honest advice on loan protection, including MRTA vs MLTA, so you protect your family, not just the bank.
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Wealth & Retirement
Grow your money and retire comfortably, beyond EPF, with savings and investment-linked plans matched to your timeline.
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Legacy & Death Benefit Settlement Option
Leave a legacy, not just a lump sum, decide how your family receives your payout, with nomination and estate guidance so it reaches the right people.
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A free 30-minute chat
Tell us where you are. Online, by phone or at your place, with no pressure and no obligation.
Your plan, in plain words
We pull your protection, savings and loans into one clear plan, and explain every line.
Two agents, for the long run
Your two agents check in, handle claims and adjust the plan as life changes.
Wherever you are in Malaysia, we'll meet you there
Offices from the Klang Valley to Johor, Kelantan, Sabah and Sarawak, and two agents who come to your home, your office or the kopitiam down the road.
Straight answers to big money questions
How Refinance Rates Work in Malaysia (2026 Guide)
How home loan refinance rates are set in Malaysia (SBR, OPR and the spread), how much a lower rate really saves, and how to get a better one.
Medical Card5 Medical Card Myths That Cost Malaysians Thousands
Five medical card myths that leave Malaysian families exposed, from 'company cover is enough' to 'all cards are the same', and what believing them costs.
Financial Planning6 Money Moves for Young Malaysian Families (2026)
Just started a family in Malaysia? The six money moves to make first, emergency fund, medical, life cover, home loan, savings and a will. A 2026 guide.
Before you reach out
Is the first consultation really free?
Yes. The first conversation is free with no obligation. We'll look at where you stand, and if you already have enough cover, we'll tell you.
Why do I get two agents instead of one?
So your plan never depends on a single person. If one agent is away or moves on, the other already knows your file, your family and your history.
Do you only serve the Klang Valley?
No. We have offices in Kota Damansara, Petaling Jaya, Kuala Lumpur, Johor Bahru, Kota Bharu, Kota Kinabalu, Kuching, Sibu and Miri, and we come to you wherever you are.
Are your advisers licensed?
Yes. Every servicing agent is a licensed adviser registered with the Life Insurance Association of Malaysia (LIAM).
Which insurer do you represent?
We're an authorised agency of Hong Leong Assurance Berhad, a member of PIDM, so the plans we arrange are Hong Leong Assurance plans. Our job is to right-size your protection to what you actually need, and look after it with two dedicated agents.
Two advisers. Both experienced. A plan that stays with you.
The only firm in Malaysia making this promise, backed by the country's largest adviser group.
- Free, no-obligation first chat
- A real adviser replies, not a bot
- WhatsApp, call or meet, your choice
Talk to your two advisers
Free & no-obligation. We'll get back to you personally.