tag:blogger.com,1999:blog-1603222303785259307.post4060969955781708277..comments2023-09-23T21:52:50.905+08:00Comments on Health and Wealth: Same apple that cost so differentKhiat Han Hwee Adrianhttp://www.blogger.com/profile/00954307521105388372noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-1603222303785259307.post-69209009172555172962008-06-18T23:56:00.000+08:002008-06-18T23:56:00.000+08:00Hi Roger, Thanks for your comment and I will keep ...Hi Roger, <BR/><BR/>Thanks for your comment and I will keep it in mind. You are right about the compounding effect of getting the wrong policies especially if undetected for a long time.<BR/><BR/>Hi Anonymous 1:44,<BR/><BR/>You had flattered me. Thee are so many more experienced and knowledgeable advisers quietly doing their work daily which we are not aware of. I am still far from them and have lots to learn.<BR/><BR/>Experience come with time and practice, new advisers who just started in the industry doesn't means they are not competent. They just need the right guidance and more chances. Not all are product paddlers.Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-49455695902244652972008-06-18T13:44:00.000+08:002008-06-18T13:44:00.000+08:00Most plumbers took some time to graduate.He will n...Most plumbers took some time to graduate.He will not be given a job straight away but attached to an experienced plumber to under study him. From experience he knows where to poke and where the cause of the trouble and to fix the system.<BR/>But an insurance agent has only 3 months' theory and immediately upon licensing he goes to work and he begins to talk like a prostitute non stop..He summons his bullshiting skill and starts to look for his victim to PLUNDER and not plumber a problem.<BR/>Who is more trust worthy? Even you don't trust the plumber you only pay him after the fixing and on top of it there is a guarantee.<BR/>With insurance agents you don't know whether the product you bought will work for you and if you do , it will be after many years and by that time the insurance agent has already conned so many and has left the job.<BR/>That is why you need to look for a good agent and good agent you can't get from insurance companies especially NTUC where all the unethical and unscrupulous agents gathered there. <BR/>Look for ADRAIN.i can vouch for his honesty and competence.Very hard to find nowadays a person like him.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-30325623147500192742008-06-18T03:16:00.000+08:002008-06-18T03:16:00.000+08:00Adrian,Perhaps you would want to relate the story ...Adrian,<BR/>Perhaps you would want to relate the story below to help your clients see the difference.<BR/><BR/>When you engage a plumber to fix a choked drain, it looked very easy to clear. You then pay him $200 for the job. Actually the prodding and poking probably costs only $10. The other $190 is actually paying him for the knowledge of where to prod and plunge in order to clear the choke. <BR/><BR/>Likewise, knowing what policies and from where to buy is the knowledge that is priceless as there is a compounding effect on making the right or wrong choice.<BR/><BR/>Roger LimAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-75741530474067353142008-06-18T00:28:00.000+08:002008-06-18T00:28:00.000+08:00Hi Albert,Thanks for highlighting this point to me...Hi Albert,<BR/><BR/>Thanks for highlighting this point to me. I had not read into the PTD payout yet. Some pay lumpsum, some don't. Another difference.<BR/><BR/>Hi Anonymous 11:07,<BR/><BR/>You got it just right, one of the rejection I got is they thought they are paying an extra layer of cost by going through me than from an NTUC Income agent.Khiat Han Hwee Adrianhttps://www.blogger.com/profile/00954307521105388372noreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-59827513385990537732008-06-17T23:07:00.000+08:002008-06-17T23:07:00.000+08:00Many people thought that when you represent NTUC I...Many people thought that when you represent NTUC Income, you are in a better position to advise them when it comes to that company policy. Also, because the price of the policy is lumped together with the agent's commission so many people did not see the connection. But as an IFA you do not get paid by the insurance company but by your client so your client will think that she has to pay you in addition to the policy. Is there a difference in the price of an NTUC income bought from an NTUC Income agent and from an IFA like you?<BR/>Your job as an IFA will include having to debunk the myth that it is cheaper to buy direct from NTUC Income.<BR/>An honest person with your kind of personality has no place in the insurance business. Get out of there before it is too late.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-14500512801887989102008-06-17T14:03:00.000+08:002008-06-17T14:03:00.000+08:00"PTD means PTD". there is one insurer whose PTD pa..."PTD means PTD". there is one insurer whose PTD payout is something like 10% for the first 4 years, and 50% for the 5 year. <BR/><BR/>So PTD payout are not equal.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-1603222303785259307.post-66551608369950735702008-06-17T02:11:00.000+08:002008-06-17T02:11:00.000+08:00Poor Adrain, these are more of the things to learn...Poor Adrain, these are more of the things to learn.Your eyes will be opened. So what have you to say about <BR/>ntuc revosave and vivo life? These products have layers and layers of rubbish, first to hide the truth and then to justify the high cost clients have to pay for those useless frills.<BR/>You are not a salesman who relies on features to convince your clients. <BR/>You can see the products today are not getting better in real term instead they have rubbish <BR/>built into them to bluff the customers, right?<BR/>It is tough to be good guy, right? but you have to wait until the "garment" MAS decides it is enough.<BR/>Don't be discouraged ,Adrain.Anonymousnoreply@blogger.com