Regulatory & Licensing Disclaimer
The content of this website is intended for informational purposes only and has not been reviewed or endorsed by any regulatory authority, including Bank Negara Malaysia (BNM) and the Monetary Authority of Singapore (MAS).
The Just Insure Group, comprising Just Insure Pte Ltd and Just Insure Sdn Bhd, operates as a general insurance advisory firm. We are not licensed as financial advisers under any capital markets or securities legislation.
We are instead licensed and regulated under:
- The Financial Services Act 2013 in Malaysia, and
- By the General Insurance Association (GIA) and Monetary Authority of Singapore (MAS) for general insurance in Singapore.
Our services focus exclusively on non-life (general) insurance advisory, such as motor, property, SME, liability, and related insurance products. Users are encouraged to seek independent professional advice if they require investment or capital markets-related guidance.
General Insurance Adviser vs Licensed Financial Adviser
| Aspect | General Insurance Adviser | Licensed Financial Adviser |
|---|---|---|
| Main Focus | General insurance (non-life) products | Investment and financial planning products |
| Examples of Products | Motor, fire, liability, travel, SME insurance | Unit trusts, ETFs, bonds, shares, ILPs, retirement plans |
| Governing Law (Malaysia) | Financial Services Act 2013 | Capital Markets and Services Act 2007 (CMSA) |
| Governing Law (Singapore) | Insurance Act / Regulated by GIA & MAS (for general insurance) | Financial Advisers Act (FAA) |
| Licensing Authority | Bank Negara Malaysia (BNM) / MAS & GIA | Securities Commission (MY) / Monetary Authority of Singapore (MAS) |
| Can Handle Client Funds? | No | Yes (depending on license class) |
| Can Give Investment Advice? | No | Yes |
| Needs Capital Markets License? | Not required | Required |
| Target Market | Individuals & SMEs seeking insurance coverage | Individuals & corporates seeking wealth management or investment growth |
| Typical Registration | Insurance agency / Corporate insurance agent | Financial advisory firm / Independent financial adviser |