Fortunately, Malaysia is one of the only countries in the region where rules governing financial advisers exist and licences can be obtained, so if a company is serious about doing business here, they will set up legally. Size Matters Easy to say, but it is an inalienable truth. The older and more highly capitalised the organisation you deal with, the greater the chance they ll still be around when you need them next. Truly international firms are often able to maintain their service to you when you move on or go home. There are always exceptions to this rule, and a dwindling number of one man bands quietly get on with doing a good job with limited resources but a wealth of experience.
Documentation Get it in writing.
Insist on full written recommendations including details of all charges. Every life insurance company will happily provide illustrations of potential returns, so before you sign on the dotted line, insist on a copy of a surrender or early encashment illustration. This is your right in many countries, including the UK, USA, Hong Kong, and Australia. References Ask around. You ll soon find out which advisers, large or small, have the best reputations.