Too Cool to Declare, Too Risky to Cover

From gym selfies to snoring strokes — the lifestyle risks clients laugh off… until payout time. This is Too Cool to Declare, Too Risky to Cover — the second book in LC Chan's laugh-out-loud, cry-in-silence storytelling series Too Glam to Buy, Too Late to Claim. These are fictional stories. But if you've ever filled out a proposal form and wondered if "social smoker" includes vape… or if "just drink a bit" means twelve whiskey shots and a karaoke mic, then this book might sound too familiar. From Muay Thai lawyers and gym bros with enzyme issues, to Insta-glam wellness queens quietly treating undiagnosed lupus with herbal capsules — each chapter shows what happens when lifestyle habits sneak past underwriting, but not past claims. Told with LC's signature humour and hard truths, this book is for agents who've seen it all, and clients who think their weekend hobbies are not that dangerous one lah. Behind every laugh is a lesson: Policies don't fail because people lie. They fail because people think what they do doesn't count. So pour your kopi, silence your phone, and dive into stories that are funny, painful, and weirdly educational — just like real life in insurance.