OS Consultancy

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Ah Meng runs a small curry house in Seremban. Business not bad, everyday lunch time full house.

One night, his staff forgot to switch off the fryer. Oil overheat → fire start.

Next morning, Ah Meng open the shop door… whole kitchen black. Fridge, stove, all burnt. Cannot do business.

Repair and replace cost? Nearly RM50,000.

But here’s the twist:

Because Ah Meng got fire insurance ✅ he only paid a few thousand. Insurance company cover the rest. Two weeks later, his curry house buka balik.

If no insurance ❌ habis lah. That RM50k already enough to close shop.

Many SME owners think, “Aiya, small shop only, won’t kena la.” But accidents don’t care big or small.

👉 Running your own shop? Better check your coverage before it’s too late. PM me if you need help.

阿俊和太太在巴刹边经营一间小吃店，
卖的是他们家传三代的酿豆腐。
从早到晚，一天营业16小时，
赚的不多，但够养家糊口、供两个孩子读书。
那间小店，是他们一砖一瓦拼出来的生活。
更是他们夫妻俩十年努力的全部成果。
直到那一天清晨，接到邻居电话：
“你们的店，起火了。”
赶到现场时，火势已经扑灭。
只剩下焦黑的铁门、倒塌的炉台，
以及烧成一片灰烬的招牌。
阿俊太太当场哭出来：
「我们的店，没了……」
更绝望的，是他们根本没有买保险。
他们觉得保险是“大生意人”才需要的，
哪知道意外，从来不挑人。
修复费、器材、电路、重新申请执照……
每一项都要用他们这几年辛苦攒下的积蓄来承担。
原本计划给孩子补习的钱，也被迫拿出来应急。
最让人心痛的，不是钱，
而是他们曾经那么努力，
却因为一个「以为用不到」的选择，
让一切重头再来。

你可以很努力，但别让一场意外，把你的全部打回原点。
📩 不懂买什么保险没关系，来问我。
wa.me/601117583143

我不推销，我只分享适合你的小店、小生意的基本保障。
愿每一个为生活努力的人，都有后盾。

#商业保险 #火灾案例 #小生意保障 #保险知识分享 #店铺风险管理 #马来西亚保险顾问

🇲🇾 永远不劝他人别写遗嘱

#遗嘱 #遗嘱信托

「 你能拿到多少遗产？ 」

很多人以为 “家里的钱以后就是我的”，但事实真的如此吗？

如果你的家人 没有立遗嘱，你能继承多少？

🅰️ 全部归你
🅱️ 要和家人平分
🅾️ 政府决定怎么分
✴️ 可能一分钱都拿不到！

💡 正确答案可能会让你惊讶！

📩 想确保你的资产留给对的人？DM我，我帮你规划！

#遗嘱 #遗产规划 #保险

你真的需要立遗嘱吗？

很多人以为立遗嘱是富人的事，或者年纪大了才需要。
但事实是 【遗嘱不是为自己写的，而是为你最爱的人写的】

如果你没有遗嘱，你的家人可能会面临这些问题：
❌ 资产被冻结，家人无法立即使用
❌ 继承分配可能不符合你的意愿
❌ 亲人之间可能因为遗产问题产生矛盾

立一份遗嘱，不是为了“死亡”，而是为了“安排好未来”。
让你的资产顺利传承，让你的爱不留遗憾。

只需RM 99 就可以完成一份简单的遗嘱
欢迎联011-1758 3143 （Oscar）

#遗嘱 #立遗嘱

【今年收到最有意义的红包】

这个客户兼朋友，我们认识了一年多。当初是他朋友介绍来找我写遗嘱，后来聊起保险，才发现他曾是保险受害者，—整家人的保费被骗了一年，原本的保险代理甩锅助理后就消失了。他本来已经彻底对保险死心，打算放弃。

为了让他重拾信心，我花了很多时间劝他，最后他才愿意续保。期间也帮他处理了几次理赔，但后来保费涨价，他真的负担不起了，最终还是选择放弃。虽然这单我没赚佣金，但还是觉得很可惜。

除此之外，他也问我怎么申请离世母亲的遗产。虽然我一直在进修遗产规划和考试，但实际申请的流程，我经验尚浅。出于他对我的信任，我决定陪他一起研究，一步步走流程。

这一年来，我们一起跌跌撞撞，碰了无数次钉子，花了很多时间和精力，终于把申请完成了。真的不容易！

新年后，他特地等我从家乡回来，亲手递给我这个红包，表达他的感谢。那一刻，我深深感受到，这份工作的意义远不只是“卖保险”或“写遗嘱”，而是帮助别人解决真正的问题，陪他们走完重要的流程。很多人对保险代理避之不及，但他却成了那个一直约我喝茶聊天的客户兼朋友。

2025年，我将以全新身份出发，把这份使命继续发扬光大。OS Consultancy，期待未来帮助更多人！

----------------
【The Most Meaningful Angpau I Received This Year】

This client-turned-friend and I have known each other for over a year. He was initially referred to me by a friend to draft his will. Later, when we talked about insurance, I discovered that he had been a victim of insurance fraud, his entire family had been paying premiums for a year, only to realize they had been scammed. The original insurance agent shifted the blame to an assistant and then vanished. Having lost all trust, he was ready to give up on insurance completely.

I spent a lot of time convincing him to reconsider, and eventually, he agreed to continue his coverage. Throughout the process, I also helped him with a few claims. However, when the premiums increased, he could no longer afford them and ultimately had to let go of his policies. Even though I didn’t earn any commission from this case, I still felt it was a pity.

Beyond that, he also asked me about the process of claiming his late mother’s estate. While I’ve been continuously taking estate planning courses and exams, I had lesser hands-on experience in handling estate claims. But because he trusted me, I decided to accompany him in researching and navigating the process step by step.

Over the past year, we stumbled our way through countless challenges, faced numerous setbacks, and spent an immense amount of time and effort. But in the end, we finally completed the claim. It was no easy feat!

After the New Year, he waited for me to return from my hometown and personally handed me this angpau as a token of his gratitude. At that moment, I deeply realized that my job is not just about "selling insurance" or "writing wills", it’s about truly helping people solve real problems and guiding them through critical life processes. Many people avoid insurance agents, yet he has become a client and a friend who always wants to catch up over tea.

In 2025, I am stepping forward with a renewed sense of purpose, determined to carry on this mission. OS Consultancy looks forward to helping even more people in the future!

I've just reached 300 followers! Thank you for continuing support. I could never have made it without each and every one of you. 🙏🤗🎉

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【 OS Consultancy帮助您领取未认领的财富 】

2023年，马来西亚的未认领财富高达RM 1100亿！许多家庭在领取遗产时遇到困难。OS Consultancy在这里帮助您解决这个问题，确保您能顺利领取属于您的财富。

✅ 简化领取过程
领取遗产的过程常常让人困惑，我会全程为您提供指导，帮助您轻松完成每一步，确保您拿到应得的财富。

✅ 明确的遗嘱和遗产规划
很多家庭错过遗产是因为亡者没有留下明确的遗嘱。我帮助您确保遗嘱清晰有效，让您的家人知道如何顺利继承您的遗产。

✅ 解冻遗产
如果遗产被“冻结”，受益人可能无法顺利领取。我提供专业帮助，协助解冻遗产，让您的家人能够及时继承财富。

✅ 保护家人未来
提前做好遗产规划是关键。我会帮助您整理好所有资产，确保家人在继承时不遇到麻烦。

✅ 提供安心保障
在OS Consultancy，我们确保您和您的家人都能安心。通过合理的规划，您可以放心，您的家人不会为继承问题而烦恼。

未认领的财富不必成为困扰。如果您需要帮助领取遗产或做好遗产规划，欢迎随时联系OS Consultancy。我会帮您简化整个过程，确保家人顺利继承。