1. Who can join as a referral?

Practically anyone as long as you are not a terrorist or know how to order food from Grab! That said, we reserve the right to terminate anyone if there are any unsavoury characters like Thanos's sister.

2. How can you register as a referral with us?

Just click here.

3. Is there a time limit once being a referral?

Nope. Now we wonder why you asked...

4. What are the documents needed in order to enrol?

Just your IC / Passport and your bank name and account number will do.

5. What happens after application sent and all documentation submitted?

Once approved, you will receive and email and whatsapps informing you of the adviser assigned to you. You can then refer all potential leads to the adviser.

Only approved advisers are allowed to pursue the leads.

6. How much referral fees is the referral entitled to?

12% of monthly life premiums collected, payable monthly as long as premium is paid up to one year.
3% of any employee benefits premium paid for first year only
5% of any general insurance premiums paid for first year only

There will be no referral fees on subsequent premium increase or rider top up.

7. When will referral gets their fees?

Referral fees will be paid when the insurers releases the commission to CTFG in accordance with the normal monthly payment cycle.

8. What if the customer canceled their policy? Will the referral fee be clawed back by CTFG?

No, once paid, the fees will not be clawed back from referral. We will use the claw on our advisers, who in turn may use the claw for their beloved customers.

9. Can a referral chooses an adviser to work with?

Yes, you can choose any approved advisers in CTFG that matches your good looks.