Plan before it is too late

I have not been writing on the blog for a while because I am using FACEBOOK. Maybe I should consider to have a FACEBOOK account to replace my BLOG ?

Recently, I have two emails from two customers and the situations are two extremes as they wrote :-

["Knowing you for the past 20 years is a blessing and you are definitely a god sent messenger to me too. You gained my first insurance policy then and have given me constant drilling into financial planning, having adequate and basic insurance both medical and savings etc etc. Without knowing you at that time, I may not been able to work towards my retirement goal. Somehow, I have been able to set certain threshold for insurance and the rest for self investments and these work fairly well for me. Thank you for being not just my insurance agent but being more than that, “FRIEND”."]

["If I want to take up enhance incomeshield I am 51yo. But one question if recently I have a stent inset (heart artery blockage) and also hospitalized for 5 days . Can ntuc income accept my application? Or subject to their review? "]

We have to consider what is our priority in planning to meet our needs as we move along. Protection, medical, savings, retirement planning, etc. We can say as much but keep hesitating and procastinate until it is too late, like the IncomeShield planning and protection plan involve life insurance planning.

Basically we start with insurance planning, medical, savings and when come to older age, retirement planning, but it is also a myth that retirement planning comes at older age. If one has the budget, long term retirement plan can be done early as well.

I wrote this in my Facebook, this profession is a love-hate profession.

How do you like to be in a love-hate profession, left cornered by client, right pushed by office, for outstanding payments and for services, etc. A very challenging job to keep sane and the day will come, I am going to take it easy. Those who love you wish you will not die before them, those who hate you, wish you go first, they complain.

Basically for me, I have enjoyed past 23 years meeting clients and the needs of some of them, and many have taken me as their personal friends more than just an agent. My own plans is also done with same objectives to care for the family and as I age, I will not be a burden to the next generation. These are two simple principles I have for myself and when a client comes to me, my own experience comes in handy as I plan for them.

Do look into your own needs before it is too late. There is nothing much I can help after a condition has set in. If you need to review your needs, with the two emails I received above, you probably would know what are the essentials.