Trusted Guidance for Your Wealth and Future
At Sincere Consultancy Group (SCG), we provide independent advice in Financial Management, Estate Planning, and Insurance—so you can plan with clarity and confidence.
1,200+
Plans Delivered
850+
Clients Served
10+
Years Serving Clients
92%
Client Retention
Wide Range of Financial & Protection Services
Practical, honest advice to plan wealth, protect your family and business, and secure your legacy—delivered with trust, care, and clarity.
Financial Management Advice
Personalized financial planning and advisory services to help you manage your income, expenses, savings, and investments wisely.
Will & Trust Planning
Secure your legacy and protect your loved ones with professionally prepared wills and trust structures tailored to your intentions.
Life Insurance
Comprehensive life insurance solutions to ensure peace of mind and financial security for you and your family.
Medical Card Services
Access to medical protection plans that cover hospitalization, treatment costs, and health emergencies.
General Insurance
Wide-ranging coverage including: Motor Vehicle Insurance, Personal Accident Insurance, Bank Loan Services, Personal Liability and more. Assistance in securing personal, home, or business loans with guidance throughout the application process.
Expert help to maximise protection & savings
- Build a practical money plan (budget, savings, investments).
- Get the right cover—no gaps, no overlaps.
- Prepare wills & trusts for a smooth legacy.
- Annual policy and plan reviews to stay on track
- Claims support when you need it most.
SCG Insights
Will vs. Trust in Malaysia:
Which Do You Need?
A clear look at how wills and trusts work, the probate timeline, guardianship for minors, and how assets are distributed. We outline common scenarios—single, married, with/without children—and when a living trust, standby trust, or a simple will makes the most sense.
Insurance Claim Checklist:
Faster, Smoother Payouts
From first notice of loss to final settlement, here’s what to prepare: policy schedule, receipts, medical reports, photos, police reports, and timeline notes. We also explain typical insurer questions, what slows claims down, and how SCG supports you through every step.
Frequently Asked Questions
What is general insurance?
General insurance, also known as non-life insurance, is a policy that protects you from financial losses related to specific assets or liabilities. Unlike life insurance, it’s typically taken for a one-year period and is renewed annually. It covers things like your car, home, health, and travel.
What is a 'premium'?
The premium is the amount of money you pay to the insurance company in exchange for the coverage provided by the policy. It can usually be paid as a lump sum or in installments (e.g., monthly, quarterly).
What is a 'deductible' or 'excess'?
A deductible (or excess) is the fixed amount you agree to pay out of your own pocket toward a claim before the insurance company pays the rest. For example, if your claim is $1,000 and your deductible is $250, you pay $250 and the insurer pays $750. Choosing a higher deductible can lower your premium.
What is a 'claim'?
A claim is a formal request you make to your insurance company for payment or coverage after a loss or event that is covered by your policy.
What does 'Sum Insured' mean?
The Sum Insured is the maximum amount the insurance company will pay in the event of a claim. It’s crucial to set this amount accurately (e.g., the full rebuilding cost for your home, not its market value) to avoid being underinsured.
What are 'policy exclusions'?
Exclusions are specific situations, events, or circumstances that are not covered by your insurance policy. It is vital to read your policy document to understand what is not covered (e.g., wear and tear, intentional damage, nuclear hazards).
Let’s Discuss Your Needs
Your protection deserves personal attention and expert guidance. Contact our team today for tailored insurance solutions and dependable support.
