{ "item_title" : "Buying Insurance / Investment Ethically", "item_author" : [" Puvanesvarar Mailvaganam "], "item_description" : "Buying Insurance / Investment Ethically is a definitive consumer guide for Malaysians and ASEAN citizens seeking to make smart, ethical, and sustainable decisions about life insurance, takaful, medical cards, and investment-linked policies.Too often, buyers are misled by persuasive agents, misunderstood terms, or emotionally charged sales pitches. This book restores the balance of power-placing clarity, responsibility, and truth into the hands of the buyer. Whether you're a first-time policyholder, a concerned parent, or someone revisiting your financial planning, this guide is your complete roadmap.Written by a corporate governance and compliance specialist with firsthand experience in Malaysia's insurance and takaful sector (2004-2012), this book is rooted in deep industry insight and consumer protection values.✅ Learn the difference between protection and investment✅ Understand the true role of agents, bankers, and ILPs✅ Evaluate your needs, affordability, and policy suitability✅ Decode common mis-selling tactics and exclusion traps✅ Explore real case studies from Malaysia & ASEAN markets✅ Follow a practical step-by-step guide to design your own plan✅ Know your rights under Bank Negara, LIAM, MTA, and OFS regulationsThis book includes real-life case studies, legal insights, planning tools, and self-assessment questions to help you become a fully informed and empowered insurance buyer.Make no mistake-this is not just another finance book. It is your shield against mis-selling, your light through the insurance maze, and your first ethical step toward protecting what matters most.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/828/299/9798282992137_b.jpg", "price_data" : { "retail_price" : "6.88", "online_price" : "6.88", "our_price" : "6.88", "club_price" : "6.88", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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