Next Step with Esjay

Employer or employee… this concerns you.

20 years ago, I got fired for speaking up.

I wrote a letter about harassment at work and lost my job for it.

That moment never left me.

Because it showed me something most people ignore:
👉 Not every workplace protects their people.

Today, I’ve received 6 Corporate Solutions awards.
Not luck… just perspective

👉 If you’re an employer:
Your people remember how you treat them in difficult times.

👉 If you’re an employee:
You deserve more than just a salary.

To me, it’s simple —
take care of people when it matters most.

Some call me the “CS Queen” 👑
I just believe people should be taken care of.

💬 Salary or security - which matters more to you?

Celebrating the 43rd Awards Night alongside the 69th Anniversary of AIA in Brunei 🇧🇳

43 years of recognition.
69 years of presence.

To me, this is more than just numbers. It reflects consistency, trust, and doing the right things over time — meeting regulations, paying out billions in claims and maturity, and giving people the confidence to stay and grow with the company for decades.

Thank you to everyone who came to my life, some stay, few left. Now we are done with 2025, moving on to 2026

I am not a good cook mom, and I still haven’t found that one signature dish I hope my kids will remember me by. But today, my daughter gave me 9.5 out of 10 on the lunch I made and that just made my whole day!!

You did everything right…
Saved consistently. Stayed disciplined.

So why does retirement still feel uncertain?

I met Josephine about 10 years ago, and we’ve always been like-minded - especially when it comes to health and well-being.

She joined as an advisor 6 months ago, and in just the past 3 months, she’s been receiving sincere thank-you messages from her clients.

That’s what makes me the happiest - seeing her truly understand our purpose as advisors.

Recently, two of her clients were hospitalized. It was a difficult time for them, but because she reached out months earlier, she was able to make their lives a little easier when it mattered most.

This is what I believe in - guiding people not just to succeed, but to serve with purpose.

I used to recommend $50,000 Critical Illness coverage for children.

But after speaking to a parent who spent 2.5 years caring for her critically ill child, my perspective changed.

Even though medical treatment in Brunei is largely subsidised, the impact on families goes far beyond hospital bills.

This post shares what I’ve learned from those conversations - something every parent may want to think about.

Please comment your thoughts!

Linda and I met during my diving days back in 2005. She became one of my very first clients, and I will always be grateful for the trust she gave me when I was still very new in this industry - at a time when many people were unsure about me.

Over the years, our lives have both moved forward in many ways. We’ve grown, hopefully wiser, and it truly makes me happy to see you achieving different milestones in life.

Moments like this remind me that this career was never just about insurance - it’s about the people, the trust, and the friendships built along the journey.

Fun Fact: It was Linda who introduced my husband to me ^0^

For employers, HRs:
A real case on how insurance helped a company continue paying an employee’s salary after a serious illness - protecting income, dignity, and family support when life suddenly changed.
For employees, is good to find out what you are covered by your employers!

Most bonuses disappear without making any real difference.

A few months later, we barely remember what we spent it on.

But used intentionally, a bonus can reduce stress, create freedom, and improve your future.

Before you spend yours, this might give you a few ideas.

The Popmart Story!
I am so proud of my daughter who successfully controlled her temptation to buy another popmart!