Okay, so Sivji has an Executive role at Life Insurance Direct, which suggests a level of seniority. The company is in the financial services industry, which can be competitive. However, Sivji's education is limited to an Associate's degree, which might put their salary below that of someone with a Bachelor's or higher degree. Kuala Lumpur is a major city in Malaysia, but the cost of living might be lower compared to other major cities. Considering these factors, I'll estimate Sivji's hourly rate to be around $120, which is on the lower end of the spectrum for an Executive in the financial services industry.