Insurance planning is the foundation of a comprehensive financial plan and is a must before you embark on the other components like investment planning, retirement planning and estate planning.
All of us face risks of premature death, disablement, hospitalisation, surgery and long-term illness. It is the financial consequences like loss of income, medical expenses and ancillary costs that need protection.
A good protection plan comprises a combination of insurance policies possibly from a few insurance companies to cover all the risk exposures.
By doing thorough fact-finding and financial needs analysis before making recommendations, I am able to source for suitable products from the many product manufacturers and service providers available to give our clients wider choices and better value.