Dr. Karen Gan, PhD

For many years, I built my career in science. With a PhD in Chemistry, I dedicated my professional life to research, critical thinking, and solving complex problems through evidence and analysis. Like many professionals, I never imagined that I would one day build a career in financial services. In fact, I had no intention of joining the insurance industry.

Everything changed at the end of 2024. My perspective shifted completely after witnessing firsthand how insurance transformed the lives of families during their most difficult moments.

One of the turning points was when my own family received a substantial Critical Illness insurance payout. Instead of worrying about medical expenses or financial survival, the focus could remain where it belonged — on treatment, recovery, and supporting one another.

Another experience involved a family member living with hypertension, diabetes, and high cholesterol. Despite these health conditions, he was still able to protect his family through a Guaranteed Acceptance Life Insurance plan. At that moment, I realised insurance is not only for the healthy — it is also a lifeline for people who thought protection was no longer possible.

Those experiences changed my perception forever.