Financial planning

J—’s story: Because I trust you

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J— signed up for his first policy with me in 1996.

A pharmacist by profession, he and his wife have raised four children together—children I’ve had the pleasure of watching grow up over the years. From time to time, I assist him with planning and managing his financial goals, including medical and life coverage for his family, education funds for his kids, and even budgeting for their annual holiday trips.

As the family's main breadwinner, J— also has strong income protection and a well-structured retirement plan in place.

One day, J— came to me for financial advice regarding his plan to buy a double-storey semi-detached house. He was worried about whether he had saved enough for his two youngest children to pursue their tertiary education overseas.

After reviewing his financial planning together, I said:

Me: "Go ahead and buy the property you love. You deserve it!"

J—: "I never realized that all these years, you were helping with so many aspects of my financial planning—for me and my family."

Me: "Remember all the times I walked you through the plans and you agreed to proceed? Do you really recall what I explained to you back then?"

J—: "I understood it at the time, but I tend to forget over the years. But the most important thing is—I trust what you've done for me and my family."

It was only 20 years later that J— truly saw the full picture of the financial planning we had done together. His eldest daughter is now a doctor, his second daughter a pharmacist, and his third and fourth children are currently in university—funded by the education plan we put in place 18 years ago.

Now, as he approaches retirement, J— has peace of mind. He and his family are well-covered medically, and he has ample savings in his retirement fund to enjoy the next chapter of life to the fullest. Their journey continues with confidence, stability, and the rewards of years of careful planning.

Y—’s story: Waiting for dinner

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A teacher by profession, Y—'s story is testament to human resilience and a powerful lesson in planning ahead

One evening in 2001, Y—'s husband didn’t come home for dinner as he usually did. When her calls went unanswered and her waiting proved in vain, she grew increasingly worried. Rallying her family and neighbours, they began searching around the small town for her husband — and eventually, they found him in his car by the roadside in a nearby residential area. He had passed away from a sudden heart attack while driving home.

At the time, Y— was pregnant. Struggling to accept the heartbreaking news, she couldn't imagine raising her baby without his father. In her darkest moments, she even considered ending her life to be with her husband. But with the support and encouragement of her family and friends, she made it through the tragedy and gave birth to a healthy baby boy.

Thankfully, even though her husband is now in Heaven, his love and care for his family endured. Because of his thoughtful insurance planning, Y— and her son were provided for through the proceeds he left behind.

Y— was able to continue her teaching career, while the insurance proceeds helped fund the purchase of their home and her son’s education. Together, they rebuilt their lives and lived happily ever after.

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