Insurance is expensive, but having no insurance is even more expensive. However, the former mustn´t be the case. AQM Technologies was launched to help overcome the challenge of the affordability of life insurance in Malaysia. The country´s population of 34 million people is largely uninsured against the risk of the sudden death of the family´s breadwinner. 60% of Malaysians have no life insurance and of those who have, 90% are underinsured. In fact, life insurance is mainly bought as a savings or investment product, not as a protection product. The industry is failing its customers. Those of Malaysia´s population who need a life insurance product the most to protect their families, have no cover. And in fact, even those in the industry who understand insurance well, often don´t buy it because they don’t think it is good value. We still face the familiar dilemma that insurance is bought, rather than sold.