Greetings

Greetings to you.

Year 2012 is coming to a close and may I take this opportunity to wish you and family joy and health.
The year past so quickly and surely there are ups and downs that we encounter along the way.

Perhaps I have not been writing as often as I should, which is not good for keeping in touch.

Just to share with him, my father in law, age 83, had a brain haemorrhage a month ago.
When a love one is down, concern and love are always shown, but at the same time, behind the head will be cost. Thankful he is on IncomeShield Plan C. Well, it may not pay for all the cost but the least we know is it will cushion off the cost.

I have come across many times, older folks giving up Shield Plans because premium has reached quite high, for reason that their medisave may not have enough to pay the premium or they feel it is too much to pay. I would encourage that we look into our older folks' Shield plan to keep it inforce incase when needs arises.

I always am thankful that my own mother has IncomeShield I took up for her, she is now age 79 and kidney failed and has been on kidney dialysis for past 5 years, CUSHIONING my family a big cost in dialysis fees with IncomeShield.

Whether this is a sales talk or otherwise, I leave it to you, I always advised, whichever insurer you are comfortable with, please take up a Shield Plan with any one insurer.

Interest environment is also low, thus Endowment plan seems attractive now with decent yield.

Many also have not understood SRS, Supplementary Retirement Scheme despite me updating each year.

My intention to write is not to soft sell, but if you have a need or query, am thankful that you have always contacted me.

I will be away 15 - 25 Dec spending some time with my family, and I wish you and family all the best in the year to come. While away, I will try to check email if there is access.