Here are the main key messages from the keynote address at AQBA 2025 Night.:

1) Principle Over Performance
“We are not just recognising performance; we are recognising principle.”

The AQBA is more than an award ceremony. It is a movement to uphold integrity and trust in the life insurance and family takaful industry. It celebrates businesses that prioritise quality over quantity, ensuring every policy issued truly meets the needs of consumers.

2) Quality Business That Builds Trust
“AQBA rewards quality business — the kind that stays, protects, and builds trust.”

Persistency rates, affordability, and sustainability are at the heart of AQBA’s criteria. These measures reflect proper fact-finding and needs-based selling, creating long-term value for consumers and strengthening industry credibility.

3) The 3Cs – Compassion, Catalyst, Conduct
“Compassion. Catalyst. Conduct.”

These three principles define a purpose-driven industry:

• Compassion – Life insurance and family takaful as a mission rooted in care and empathy.
• Catalyst – Agents as drivers of change, shifting from sales to advisory roles.
• Conduct- Upholding professionalism and integrity through fair treatment and ethical practices.

4) A Promise Fulfilled
“Every policy issued represents not just a contract — but a promise fulfilled.”

Excellence is not an act but a habit. AQBA award recipients are role models who raise the bar by advising with purpose, serving with integrity, and ensuring that every policy delivers on its promise to protect lives and futures.

Here are the main key messages from Mr. Paul Low’s Welcome Speech at AQBA 2025 Night:

1) A Noble and Meaningful Profession
“The life insurance profession is more than a career — it is a calling.”

At its heart lies a noble purpose: to protect lives and secure families. Every policy sold with integrity is not just a contract; it is a promise of hope and protection. Insurance becomes the bridge that sustains families through uncertainty when misfortune strikes.

2) Quality Agents Build a Quality Industry
“It is not about numbers or quick sales — it is about values, behaviour, and culture.”

The future of the agency business depends on professionalism, empathy, and service excellence. A quality agency is built on consistency and purpose, creating a reputation of trust that attracts better agents, stronger clients, and sustainable growth.

3) Aii’s Role and Commitment
“Our goal is to make Aii the region’s most trusted centre for learning and innovation.”

Aii is committed to raising standards and driving sustainable growth. Initiatives like the Master Agency Builder (MAB) designation and advanced training programs aim to develop leaders who exemplify excellence and build teams anchored on quality and trust.

4) Serving the Industry
“Professionalism is not just a standard — it is a commitment to continuous learning, doing what is right, and leading by example.”

Aii was established by the industry, for the industry, to nurture ethical, customer-focused practitioners. Through programs in Cybersecurity, AMLA, ESG, and partnerships across Asia, Aii is shaping a future-ready insurance sector.