Insurance rep : the man you like to hate

After watching this video, would make you change the perception of What Insurance Adviser or Financial COnsultant do. In our job scope is simply very simply is enable you to understand what you can do beside working hard for MONEY, dont forget the importance of getting yourself and family covered in terms of the MISHAPs.

Looking for Renewal for Car Insurance?

As you have notice that I am also dealing with Car insurance.

Welcome people who are looking for renewal for their car insurance. Do feel free to quote with me. Able to give you comparable quotes among several Insurance Company.

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Interesting Commercial Video.

A Happy new year to all my Readers and Fans. May all of you have a Great year ahead in this Wonderful Dragon 2012.

I am sharing with you some Commercial Videos in Singapore regarding about Insurance.







No people plan to fail but people failed to plan. So start planning now. Seek professional help if you do not know how to begin.

What is Thyroid Cancer?

After so many days since my Last update on Pregnancy insurance, which didnt get much response from my Readers. Hopefully the thing I am going to share today would interests some of you.. ;>

Recently I came by some older articles, and something catch my attention. And this just happen to some people around me, my Mother and also some clients. And this condition might be uncommon to the public, which is Thyroid.

Thyroid disorders can range from a small, harmless goiter (enlarged gland) that needs no treatment to life-threatening cancer. The most common thyroid problems involve abnormal production of thyroid hormones. Too much thyroid hormone results in a condition known as hyperthyroidism. Insufficient hormone production leads to hypothyroidism.

People might have symptoms such as difficulty in Swallowing and Breathing are sometimes seen in Large Nodules. Sometimes if a nodules are associated with Voice Hoarseness, rapid growth or found with Neck Lump, it should be carefully assessed for the possibility of Thyroid Cancer.

No worries, currently there is a surgery for Thyroid cancer, and it was definately a safe, efficiacious operation. Early Diagnostic and treatment in good risk patients can result in a cure rate of 98-99% and most of the thyroid patients can return back to their normal life. Therefore Early Diagnostic and Treatment is important. With Early Stage Critical Illness coverage is important.

Attention all Vehicles Owner in singapore

Attention to Every Car owners out there in Singapore. If you are going to renew your Car Insurance or Bike Insurance soon? Do check it out this link,

Motor/Car Insurance

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P/S: For your information, besides Life Insurance I am also dealing with General Insurance. No Obligation for Quoting. Would be able to offer a comparable pricing out there.

DI or PPF?

After the previous entry, I have been thinking of stuff to blog it down to share information with all of you. And finally I have come out with the hottest topic previously whereby MAS have set in to protect policyowner. THE PPF scheme (Policyowner Protection Fund Scheme).

You can find out more information under PPF scheme.

Hope the above link can help you to have a better understanding between the Deposit Insurance Scheme (from the Banks) and the PPF Scheme (from the Insurance industry).

Have you done?

Recently quite occupied with my client stuff and did not get a chance to update information in this blog.

Today topic I am going to share on will be Estate Planning. Although currently in Singapore Estate duty are being removed. So we just take it as a General Knowlege ;>

"Nothing can be said to be more Certain except Death n Taxes" quoted from Benjamin Franklin. The concepts the average person does not like to dwell on with good reasons.

To most of the layman people, estate planning are simply making Wills or trust planning. However in reality, estate planning are more in dept as it is a ongoing process to prepare and manage the disposal of the assests in his/her incapacity or Death.

The procedure are as follow,

1> Estate accumulation, this is where a person have to make sure that there is sufficient wealth left behind for their loved ones when ones passed on. Under this procedure, normally Insurance is a powerful tool as it creates an immediate tool with minimum saving. Example, a healthy man 30 yrs old non smoker, invest a yearly $6000 amount in a Wholelife policy, imeediately he have $300k coverage. And assuming 1 year he passed on with his policy inforce. His family member will have a immdeiate $300k which is a leverage 50 times of his amount payable. What kind of investment can provide this form of assurance and the value of the deceased's estate?

2> Estate Preservation, this part is whereby you have to minimise the leakage of any cash of assets from your estate. For example, if you are holding oversea estate or citizhensip from some countries where estate duty may apply to its people. Therefore consideration of putting Trust or transfer assets into it may be prove useful in minimising the death duty. However, this might not be applicable to everybody. In order to avoid the hassle and of the trust setup, incorparating suitable insurance policies for your estate can prove useful. It helps by using the insurance payouts to shield your estate value from severely eroded to pay for the expenses "realted to death"

3? Estate Distribution, before distributing your estate your family memeber have to take into account expenses such as medical bills incurred prior to death and also funeral expenses, personal debts or loan etc. In some cases, family with no proper planning might have to sell off their residential property or investment to pay off the expenses. But with insurance planning, as it provide immediate liquidity for the estate and beneficiary and this lower the risk of dumping the property or investment during the inapproriate time.

Planning for your eventual passing on maynot be pleasant. Just like death and taxes ignoring it wont make them go away. Proper planning can enable your family and loved ones being taken care of when the unexpected happens during the night.