CHEAPEST TERM INSURANCE

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Save $10 a month & you may have just lost $123,474 or more

I read with disgust a person’s claim that they are “… educating consumers about making the right choice about their financial planning…”.  However, all they ever talk about is how cheap they are compared to their competitors, blah, blah, blah…

Is premium the most important thing when you are buying insurance?
You will be shocked only to find out that it’s too late.
Shouldn’t the coverage, terms and conditions (a.k.a. ) be more important?

2 Questions You NEED TO ASK!

1) What is the Definition of Total and Permanent Disability (“TPD”)?
While there is no difference in the definition of Death and Critical Illnesses (since the standardization) from 1 company to another, the definition of TPD surely differs. Generally, to be considered for TPD claim, the insurance companies have a set of TPD definition. One occurance (to…

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The Starfish Story

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StarfishOnce upon a time, there was a wise man who used to go to the ocean to do his writing.  He had a habit of walking on the beach before he began his work.

One day, as he was walking along the shore, he looked down the beach and saw a human figure moving like a dancer. He smiled to himself at the thought of someone who would dance to the day, and so, he walked faster to catch up.  As he got closer, he noticed that the figure was that of a young man, and that what he was doing was not dancing at all. The young man was reaching down to the shore, picking up small objects, and throwing them into the ocean.

He came closer still and called out “Good morning! May I ask what it is that you are doing?”

The young man paused, looked up…

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Of Stones, Pebbles and Sand. What are the Stones in your Life?

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I came across this story (and several other versions of it) a couple of years back and it struck me hard. I am sure my friend, Zaoxiang, would like this story because it brings across the same message as the movie “Click”.

I hope you will spend a little time to read this.  Here goes:

One day, an old professor of the School of Public Management in France, was invited to lecture on the topic of  “Efficient Time Management” in front of a group of 15 executive managers representing the largest, most successful companies in America.  The lecture was one in a series of 5 lectures conducted in one day, and the old professor was given 1 hr to lecture.

Standing in front of this group of elite managers, who were willing to write down every word that would come out of the famous professor’s mouth, the professor slowly met eyes with each manager, one…

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