Exclusion clauses, disputed claims, complicated cases — this is where INS-T's experience stands out.
Aggregate figures only — no client names or policy numbers, updated automatically.
Client details anonymised. These are the moments that show why the right agent matters.
Our client's old policy was effectively invalid.
Approved on 23 June 2026 — exclusion officially removed.
Handled by: Laureene Tan
A breast cancer survivor could only be covered under a Guaranteed Issue Offer (GIO) life policy.
Approved three weeks later — RM100,000 paid out.
Handled by: Tan Soo Ai
A critical illness claim held up by a government hospital's investigation report.
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Shared with each client's consent.
We review your policy and situation honestly.
Documentation done right the first time.
If a claim is questioned or rejected, we don't stop there.