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Life Insurance

You Are Unhealthy For Your Insurance… What Happen Now? Part 1 of 2

Congratulations on making that “big” decision to purchase your life and health insurance (after much budgeting and persuasion)!

But… You have became unhealthy for the application so what may happen…

After 4 years of being in this industry, I have came across a wide range of clients who have such health issues, and as their servicing agent, sometimes, its my duty and obligation to help negotiate for better terms so that they can go ahead and get the coverage needed!

Anyway the purpose of this post is not to comment on the negotiations that I have gone through (if you like to know for your own purposes, you can comment here and I will put up on the next post) but to let you have a rough feel that if you have became unhealthy, what will normally happen to your life insurance application when you really need to get one.

And if there is a need to go for a medical check, I will be offering a short guide on how to ace (not really 100% effective) the checks.

What Happen When You Are Unhealthy For Your Insurance (Part 1 of 2)

Read More »You Are Unhealthy For Your Insurance… What Happen Now? Part 1 of 2

Mixed Feelings: Should You Protect The Goose That Lay The Golden Egg Or The Golden Egg Only?

There is a favorite story that Financial Planners will use to show Breadwinners the importance of Income Protection or Whole Life Protection and that will be the story of the Goose that lay the Golden Eggs.

The Background Of The Story And What You Can Relate From It In Today’s Reality

In brief and in comparison to today’s context, this story shares that there is this Special Goose (in comparison, will be similar to a Breadwinner who maintain and sustain a family and reproducing future generation) that lays a Golden Egg each day (in comparison to the Children, who is the future pillar of of the society).

This Golden Egg, in the story, has actually made the owner very rich as the owner can sell the eggs for very good profit. Thus in reality, Children are good and valuable resources to the society as they can contribute their talents and services back.

Read More »Mixed Feelings: Should You Protect The Goose That Lay The Golden Egg Or The Golden Egg Only?