I am glad that many visit my blog everyday. This blog serves to educate. Some wrote to me with loads of questions which I have to answer in specifics and in general refer them back to their own agent. My principle is that every policyholder should establish a good relationship with their agent. Service seeks mutual understanding for long term benefit. I get my fair share of complaints too and relationship with clients have to be terminated. Same time, I appreciate clients who trusted me all these 24 years I have been in this profession.