CJH Financial Planning

As I approach my tenth year in the life insurance and financial advisory business, it has come to a point in my career where I am embarking on a new challenge, that is to groom and train young people into successful financial consultants. As such, I have been away from writing articles for a while, busy juggling both client consulting and mentoring responsibilities. All newly minted financial consultants have to undergo intensive product training, mastering one product at a time, until they reach a level of proficiency and experience where they can flap their wings and fly on their own. While I was training the new blood of our industry, it is inevitable that that the new consultants ask which products do our clients like the most. Although financial planning is a highly customised affair, and no two persons' financial needs are exactly the same, some products are indeed in higher demand than the rest. This may be due to a greater awareness for certain types of policies. And du...

You may have already heard  about the upcoming launch of MediShield Life. I have received many enquiries about how it would affect policyowners of private Shield plans. In this article, I’ll share with you what industry practitioners know about MediShield Life so far, and its impact on you. To understand the situation better, we have to first understand how MediShield Life, and its predecessor MediShield works.