2011年12月23日 星期五

2011 Annual Letter to Clients and Friends (Full uncut unedited version)

Dear Clients and Friends,

Season’s Greetings! Time flies and this month will be the end of 2011, maybe you have got insurance agents before, but you thought they are either a salesman or a better-than-salesman professional consultant, so you might be a little bit surprise to receive a personal letter from me.


In truth, I wrote to my clients and friends annually, these letters are not any kind of financial product promotion, nor requesting for referral, but a summary of a year from multiple perspective range from business, world events, health care, children education, relationship, and family to personal opinion.


With the newly joined company – Orange Sky Golden Harvest, my clients number have greatly increased to roughly 300 (the number of Sparta if you have seen the movie, I can almost shout: THIS IS MADNESS! haha), they (you) ranged from business owners, CEO, GM, financial controller of your company, general staffs, housewives, single mother, young ladies, family man, relative, friends, old friends, classmates from Hong Kong, classmates from England, even a woman not capable to read this letter due to lack of education (I helped her to obtain MPF after her retirement in August) and more.


This is one of the reason why I enjoyed this job, that I am able to meet different layers of people in the society, though we are different in terms of race, age, gender, language, religion, belief, political view, education, social status, background, interest, point of view, to me regardless all the difference, the desire of human nature has never been changed in our entire history.


Since the beginning, we were born to desire with the pretty much same thing, food, protection, cares, attentions and sense of belongings, when we grew up, woman hope to attract man that is capable to provide her needs, family, protection, love, while man might look for woman can carry his healthy offspring.


Back in the stone age, cave men fought over cave women physically, and for those women who are attractive and beautiful, they always having trouble to make the right decision who should they rely on, that able to please her and provide her every needs; when a couple get married, the man hope to join a tribe, that can show his ability to hunt, influence and power, also provide protection for his family, as well as earn respect among the rest.


In modern time, the packaging have changed, men might not fight over women literally, but we compete through skills, wealth, social status; we do not join tribes anymore, instead we look for career, jobs, company, corp., even various kinds of social clubs, religious groups, politic parties that can benefit ourselves and our family.


When we have children, we hope our children able to survive in the society, be a decent being, contribute to the society, and so get them the best education we can afford. And when we become old, we want to have good retirement life, and then the generation has served its purpose, either good or bad.


Our society is like iPhone, it seems that iPhone have upgraded from 3 to 4, from 4 to 4GS, but the core value always reminds the same, and so is our nature.


The Globe

After the economic crisis in 2008 due to the US credibility problem, this year we have a new “victim” - Europe, although the US creditability rating has been deduced, US market is not the major concern anymore, people are more worry about the debt few European countries are holding, and they even discussed the possibility of the end of Euro.

To me I never find it a problem, you got to have faith, faith in things that move forwarded cannot be reserved, when you think about how hard it is to get back with your ex-girlfriend or ex-boyfriend, esp. after you have married, it is how hard the Europe can return to the point when single currency do not exist. Like every financial crisis, not matter how big the public and "professional" (their advices are mostly useless) perceive the problem is, it will eventually go away. It happened in 1997, 2000, 2003, 2008 and now 2011.

In fact I have been keep buying my company stock Manulife (HKG: 945) in the last couple months when the market is full of bad news, if you do not have faith in the future, you might as well just die right here right now, because a life without hope is barely a life, besides, life is a cycle, so is the financial world. Keep that in mind so you don’t have to come bugger me every times your MPF or funds do not perform well.
Another big thing happened in 2011 is the death of the I.T. giant - Steve Jobs, I am not a big fan of apple product, and still have not own a single i-Product yet, but my artistic genes in my blood urged me brought his biography and finished reading it within 1 week. Apart from his mostly known motto: stay hunger, stay foolish! I have learnt 2 things in his life.

Pay attention to details: as the CEO and founder of an international corporation, the degree of details he pay attention to is insane, maybe over-the-line for many people, the things he care about ranged from the precise curve angel of the iPhone, to the setup of the sound system for his presentation. Many people believe if you are a big man, it is not important to care about the details, they say let the little men and women care about the details! They also claim, we the big guys, we only deal with the big business.


The reality turns out not to favor those who think that way, if a staff cannot handle little jobs, his boss won’t let him/her handle big project; if a fund manager cannot turn $1 into $2, mostly likely he cannot turn $1 million into $2 million; if a salesman cannot be serious about a small deal, no one want to discuss big deals with him. From various people I have met in my career life, I am pretty confident to say those who succeed in what they are doing; they always pay attention to fine details, so if you want to become successful in what you are doing, pay attention to details too.


Be focus and concentrate: before Steve Jobs, no one believes a single product (or idea should I say?) can beat multiple products, people believe in variety, choose, options, diversity, esp. in Hong Kong. The mainstream educates us (even my company): diversify! Do not put all the eggs into one basket.


The truth is, you can never succeed in what you do if you are not focus, look at all the great people you cannot find a single one who do not concentrate in his expertise, can you imagine Michael Jackson sing some pop song today, and go become a basketball player tomorrow? Vice vise I am sure we will have trouble imaging Michael Jordon trying to hold a music concert between his NBA careers.


Steve put all his resources into developing iPhone, iMac, iBook, iPod, while his competitors trying to do TV, mobile, computer, server, hi-fi all at the same time. His colleagues might have said to him: Steve, you are taking too much risk putting all your energy onto a single thing, you should diversify! I am glad he didn’t listen, so a better advice than diversify is given by the famous investor Warren Buffett: put all your eggs into the strongest basket, and then watch it carefully! Meaning: do what you good at, and then stick with it.


Hong Kong


You can only hear three things in Hong Kong consistently, money, politics and complains, which I hold no interest in all of them, however whoever I met, if he/she is still single, I always suggest they find someone and get marry; if he/she already got married, I always suggest they should have children; if he/she is a foreigner, I always suggest they go apply for Hong Kong citizen. And in most case, after becoming HK citizen, you can still keep your original citizenship; Manulife Hong Kong’s CEO Michael Huddart, whom is an Australian born British has also become a permanent resident of Hong Kong this year, top management always know where all the goodies are, so I guess it must have a lot of benefit to become one, haha.

Hong Kong is almost tax-free, if you have been working in other country, for example UK, the government charge you at least 30% for income tax, since Hong Kong has no army, thus no military expense, yet the freedom and safety we can enjoy is among one of the best cities in the world, I truly do not understand why some of the Hong Kong citizen still complain they lack of “freedom” and “democracy”, maybe they should go out and see more of the world and realize Hong Kong is so light-weight in everything.


The hottest topic of this year in Hong Kong is: who is the next Chief Executive of Hong Kong? But I don’t want to discuss that here, because who becomes the CEO of Hong Kong really doesn’t matter that much to me. I think most people cannot do well in their life is because they place their attention onto things like: who is the hottest singer? Who are the actors dating? Or which politician has spoken something stupid again? In fact knowing all this can never make your life better.


Put your attentions onto things that matters to you, your health, your family and your job. Those discussions should belong to the happy hours every Friday when you are with your friends. Never-the-less, more options will appear, next year all employee will able to pick their MPF service provider freely, more details will be update to you once the government policy has been confirmed.


The inflation is also a problem to us all, the inflation rate is reached as high as 6.5% this year, much more than what I have been taught in financial planning training, and they told me to assume inflation rate as 3%! It is never a bad thing to doubt everything you were taught in school.


Inflation increase hit us in all daily aspect, if your monthly salary is below $50k, your impact will be larger than those who earn higher than this water mark. If unfortunately you are having a bad luck, for example got sick, then I will be more worry since the latest government report show the medical expense has also increased greatly, they might consider setup mandatory medical insurance like MPF for retirement.


My mother told me when I was born (in 1982), she only needs to pay $150 to the hospital for everything, after 29 years, the expense on laboring might become as expensive as $50,000, I am afraid when I have my children, the medical expense will become as expensive as a flat.


My Clients 

Most of you are doing very well, esp. my corp. clients. Turkish Airlines is doing exceptionally well, Their Hong Kong office have expanded almost triple in a single year, which is always a good sign. Globally they have won multiple awards in 2011, which are 





  • Market Leadership Award - Air Transport World
  • World’s Best Airline Europe - Skytrax
  • World’s Best Airlines South Europe - Skytrax
  • World’s Best Premium Economy Seat - Skytrax
  • Best food onboard - Skyscanner


The magic happens when they start to sponsor two of my favorite and strongest football team, F.C. Barcelona and Manchester United officially (although I am a more Arsenal fan, haha), they also has the NBA star Kobe Bryant as its brand promotion ambassador and Caroline Wozniacki, the No. 1 female player in the 2010 and 2011 tennis season, has become the new face promoting Turkish Airlines. Turkish Airlines offer direct and indirect flights mainly to Europe cities, transact at Istanbul, Turkey, you can book tickets online through 
this link: http://www.turkishairlines.com/en-hk/
Or check out their facebook page: http://www.facebook.com/turkishairlines



My another newly join corp. is Golden Harvest (stock no. HKG:1132), they offer movie distributions, advertising, cinematic experience around Hong Kong, they played a major role in becoming the first Chinese film company to successfully enter the western market for an extended period of time, especially with the films of Bruce Lee and Jackie Chan. They are still holding many classic Hong Kong movie titles I watched when I was still a kid. They now own a total 6 cinemas in Hong Kong and now mainly investing in China. You can also book movie tickets through this link: http://www.goldenharvest.com



And for the rest of my individual clients and friends, emotionally I am more attached to you, yet I cannot expose your personal secrets in a public letter *hehe*, so I will just conclude no bad things have happened under my watch yet. Both serious illness and death rate within my client base still remind 0% *woohoo! *.

Please help me keep it that way, by any chance any of you bump into a very low tide of your life, and you become so depress that even suicide thoughts have come across your mind, (esp. those who have history of mental disorder and depression), do contact me first before doing that, because I won’t let your stupid thoughts spoil my career record, remember that :)


My Job


Recently there is something meaningful happened in my career, it is not a million dollars deal, nor a fantastic business negotiation, it is so tiny no people ever pay attention to: basically a primary schoolmate I have known for more than 20 years ask me to check his MPF, it turns out his MPF is already well managed by himself, also it is already under Manulife, thus there will no need for asset transfer nor any kind of actual benefit attached, except one thing, his MPF account has no agent follow.

Under this condition I have asked him to assign myself as his MPF agent, this little action makes me re-think the value of insurance agency, since this is one of the best scenario to assess the necessity of existence of agents in this business, nowadays we have internet, banks, hotline service, brokers, insurance agents almost seems like an old sport no one pay attention to. No one want to waste our life in things that does not matter, so I asked myself, under this circumstances, what I can offer to my old friend to make the assignation make a different.
At the end of the day, the answers come clear; it is the relationship that holds the highest value among all, there are too many professional own better insurance knowledge than me, investment advisors is more intelligent, salesman with better selling skill, yet they can never replace the relationship I already established with my clients and friends.

That is important because human might need knowledge, professional advice and service, yet above more we desire good relationship between another human, people that can understand and concern, sometimes you hear women complain why they marry a man who is stupid, lazy with 10 thousands different shortcoming, but they do not regret, because deeply they know that man care about her more than rest of the men in the world, and that what is the most important thing. The name of the “game” of human relationship is: who care more?


Now do not be worry I will behave stupid and lazy, in business good relationship isn’t enough, because you need to solve people’s problem, though like Manulife’s slogan: Caring and Professional, caring always come first. This incident has reinforced the value of my job even more, neglect whether what I am going to face in the future, from no money service to a multi-dollar contract, the core value will always be the same for me.


Personal highlight


I tried to avoid it as much as I can, but I finally need to visit dentist this year, to re-do my canal treatment for one of my teeth, it cost me a big $18,400, but I have no insurance coverage for dental. I cannot help myself keep thinking on the dentist chair, why I did not listen to my mother brushing my teeth regularly, and why I listen to my father did that canal treatment in China because it is much cheaper over there (only $1000). Yet it turns out the dentist in China did such a bad job they only remove one of the three nerves out of my teeth, now the dentist in Hong Kong need to re-drill the fillings, re-do everything, and later will put a crown to make the treatment permanently.

Now I have to suffer twice because I did not take good care of myself, and because I ignore the importance of quality. It is always a good thing to keep health and never get sick, but if you do, quality is always important.


However the good news is I am getting better and better with my job, soon turn to 30 years old, traditional Chinese saying: when a man at his 20, he can still be confuse about his life, when he approaches his 30, he should already able to find a clear path and direction for his life, so when he turns 40, things should go very well there should not be anything to worry.


I would not consider myself as an optimist, actually I like to look at things from a slightly pessimistic point of view, since life is full of disappointment in many ways, it is always unwise to put one’s hope and expectation too high.


The following conclusion might not fit the expectation of the majority understanding to my business here (financial planning), many thinks I go around and ask people to plan this and that, buy this and that, which they get from many financial corp. advertising campaign.


The truth is I never believe in planning myself, from days to days people cannot expect what can happens in the future, the more mankind try to gain control of our future, and think we have succeed, the more future use different kind of events to surprise us.


What I believe is life is like a movie, you can never know what will come next, but if play your current role to the best, people will love to give you more important role in the next movie, and then good things will happen to your life.


Last but not least, wish you all will have a nice and warm holiday with your friends and family. I will see you in 2012, when I was a kid, I was told by some highly intelligent professors, there should be flying cars invented by then, obviously I was cheated, or should I say they have planned the world very badly :)


Merry Christmas and Happy New Year!






Yim Tien Ho Calvin

Christmas, 2011

2011年12月20日 星期二

2011 Annual Letter to Clients and Friends (給客戶及朋友的2011年度信)

Dear Clients and Friends,

Season’s Greetings! Time flies and this month will be the end of 2011, with the newly joined company – Orange Sky Golden Harvest, my clients number have increased very close to 300. you include from business owners, CEO, GM, accountant of your company, general staffs, housewives, single mother, young ladies, family man, relative, friends, old classmates from Hong Kong, university colleagues from England, even an old lady not capable to read this letter due to insufficient education at her young age. This is one of the reasons why I enjoyed this job, that I am able to meet different layers of people in the society.

Most of you are doing very well this year, esp. my corp. clients. Turkish Airlines is doing exceptionally well, their Hong Kong office have expanded almost triple in a single year, which is always a good sign. Globally they have won multiple awards in 2011, which are
  • Market Leadership Award - Air Transport World
  • World’s Best Airline Europe - Skytrax
  • World’s Best Airlines South Europe - Skytrax
  • World’s Best Premium Economy Seat - Skytrax
  • Best food onboard - Skyscanner

Turkish Airlines is the official sponsor of two strongest football team in the world, F.C. Barcelona (my favorite!) and Manchester United, they also has the NBA star Kobe Bryant as its brand promotion ambassador and top female tennis player Caroline Wozniacki, has become the new face promoting Turkish Airlines. Turkish Airlines offer direct and indirect flights mainly to Europe cities, transact at Istanbul, you can check out their website and facebook page:

My another newly join corp. is Golden Harvest (stock no. SEHK:1132), they offer movie distributions, advertising, cinematic experience around Hong Kong, they played a major role in becoming the first Chinese film company to successfully enter the western market for an extended period of time in the 70’s and 80’s, especially with the films of Bruce Lee and Jackie Chan. They are still holding many classic Hong Kong movie titles that were extremely popular when I was young. They now own a total 6 cinemas in Hong Kong and now mainly investing in China. You can check out their website: http://www.goldenharvest.com

And for the rest of my individual clients and friends, emotionally I am more attached to you, yet I cannot expose your personal secrets in a public letter *hehe*, so I will just conclude no bad things have happened under my watch yet. Both serious illness and death rate within my client base still remain 0%, let’s keep it up this way!

Last but not least, I wish you all will have a nice and warm holiday with your family and friends. Merry Christmas and Happy New Year!


Yim Tien Ho Calvin
Christmas, 2011


親愛的客戶和朋友:

節日問候!時間過得很快,今個月是2011年的最後一個月份,連剛剛加入的橙天嘉禾娛樂集團有限公司,我的客戶數目將非常接近300人。你們包括公司老闆, 企業行政長,主管經理,會計,一般員工,家庭主婦,單親家庭的母親,少女,愛惜家庭的男人,我的親戚,朋友,香港的舊同學,英國的大學同學,甚至其中一位 因為小時候得不到足夠的教育,所以看不懂這封信的婆婆。可以接觸到社會上不同階層的人,是其中一個原因為甚麼我享受這個工作。

你們大部人今年過得很不錯,特別是我的企業客戶。土耳其航空異常地好,他們在香港的公司一年內差不多擴張了3倍,這永遠是一件好事。環球性他們在2011年得到了多個獎項

  • 航空公司市場領導者獎項 -《世界航空運輸雜誌》
  • 世界最佳歐洲航空公司 - Skytrax
  • 世界最佳南歐航空公司 - Skytrax
  • 世界最佳豪華經濟艙座位 - Skytrax
  • 最佳飛機食品 - Skyscanner

土耳其航空是兩隊世界足球強隊,巴塞隆納(我的最愛!)和曼聯的官方贊助商,美國NBA一級球星高比拜仁,以及網 球一姐卡露蓮·禾絲妮雅琪也成為他們的品牌推廣大使。土耳其航空提供直航或轉航到歐洲城市,主要在伊斯坦堡轉飛,你可以到他們的網站及他們的 facebook看看:

今年另一個新加入的企業客戶是橙天嘉禾娛樂集團有限公司(上市公司:1132),他們集電影製作、融資、發行及影院營運於一身,是全球最具影響力的華語電影 娛樂集團之一,他們成為第一家順利進入西方市場中國電影公司,尤其是李小龍,成龍的電影,在70年代和80年為香港電影業發揮了重要作用。他們仍然持有許 多經典的香港電影片名,很多是當我還是小孩子的時候已經非常流行。現在,他們在香港共有6個電影院,主要在中國投資。他們的網址 是:http://www.goldenharvest.com

而對於其他的個人客戶朋友,情感上我是和你們比較接近,但因為我不能在公開信內搬出你們的私隱(嘻嘻),所以我只會結論到現時為止,在我的看守下還沒有任何壞事情發生。在我的客戶群中,嚴重疾病和死亡率兩者都保持在0%,讓我們一起繼續這樣保持下去!

最後但並非最不重要,我祝你們和你的家人朋友有一個愉快及暖融融的假期。聖誕及新年快樂!


嚴天浩
2011年聖誕節

2011年7月13日 星期三

Public letter to Clients and Friends (3rd Year completion)

Dear Clients and Friends,

This month (July, 2011) is the completion of my third year in insurance business, I am very happy and glad to provide financial service on professional level, as well as provide help on personal level.

Like the beginning of any successful business, I have been taking my time to gain deep understanding of the nature of this business and avoid as many rookie mistakes as possible, for a slow and caution start I have gain much confident after 3 years and ready to step forward to the next level.

I am able to meet my personal target in the last 3 years, and am very proud of the fact that so far none of my investment clients' policy show negative numbers, it means clients who invest through me have 100% win rate and all show positive growth so far, and few of you have even gain return much higher than the average.

I am also happy among all of us, we come from different countries, e.g. local Hong Kong, China, Indonesia, Turkey, Africa... it has gained my vision and understanding of different cultures, it is very enjoyable and rare in this tiny land, which is also something I didn't expect from the first place. I am looking forward to meet more friends from different countries in the future.

Yet above all I mostly satisfy there is no complain or serious claim being made so far, after all, clients (you), agent (myself) and service provider (Manulife) all wish too see everyone is having a happy, healthy and fulfilling life. I hope all these good things will continue.

My vision is to provide boarder and deeper coverage in personal insurance, retirement security and MPF service to the people around me, esp. people I care about. This is the true passion behind of me doing this business.

Many business can earn money, but no business like insurance business in this world can get people connected and make them feel safe in a society this way. It acts as a protective shell when unexpected and unfortunate events happen in life, and secure people's retirement life after fighting for survival and family during their younger years, which is something they (and you) deserve.

I have chosen merely to work with Manulife over other insurance companies in Hong Kong, is because she shows better quality and excellence both in products and customer service than rest of the competitors esp. in term of personal insurance, retirement security and corporate service, put both clients' and agents' long term benefit up front, doing what an insurance company should be doing.

Since I have witness a lot of financial service providers have already left the track of their own business nature nowadays, providing services and selling products do not belong to their business segment, which might gain them short-term benefit, but cause damage to their clients and ultimately themselves in long run. Manulife did not follow their trend many years, also she has the most experience in underwriting (since 1887) and excellent claim history in Hong Kong. The longer I work in this industry, the more I observe, the more confident I gain that I have made the correct decision.

I have set a target to gain 100 new clients (both personal and corporate) in 2011. It is not an easy but achievable target with your help. If you yourself, your friends, relatives, colleagues, or anyone around you come across the needs of the services below, I will be gladly to assist them professionally.

1.Personal life/ critical illness/ health insurance protection
2.Protection specific for women/ children
3.Traditional target saving
4.Monthly investment saving/ Lump Sum Investment options
5.Retirement security
6.Children Education fund
7.Corporate Group Medical
8.Corporate MPF service
9.Personal MPF Preserved Account
10.General Insurance (e.g. private car, worker compensation, domestic helper, shop, travel, pleasure craft, house, pet insurance)

As the believe in the good service quality I am able to deliver, I am expanding my business, ultimately my vision is to create a healthy and sustainable business/ personal network, within this protected network we can find many trustworthy professionals, e.g. doctors, engineers, accountants, lawyers, investors, different service providers, also many truth-worthy information on personal bases, e.g. eduction, health issue, discount, lifestyle, investment advices, in order to aid your needs in life,

As my personal target, I hope I will able to afford a house for my parents in the near future for their retirement, and get ready to start up my own family.

Thank you for your attention.

Yours Sincerely,

Tien Ho Calvin Yim13th July, 2011.

“Two are better than one; because they have a good reward for their labour. For if they fall, the one will lift up his fellow: but woe to him that is alone when he falleth; for he hath not another to help him up.” - Ecclesiastes 4:9-10


親愛的客戶和朋友,今個月(二零一一年七月)我將會完成在保險行業工作的第三年.我很高興在這三年內可以提供在專業層面的金融服務,和在私人層面的協助.

像所有成功的業務,我一直都是以深入了解這個行業和盡力避免「新手錯誤」的方向開始,經過漫長和慎重的三年,令我現在有足夠的信心向前踏上一個新的階段.

過去三年我都可以達到設定的個人目標,而且很自豪到現時為止,客戶所有投資相連的保單都沒有呈現負數,換言之過去所有透過我購買投資保單的客戶都擁有百分比百的勝出率和正增長,而且你們中間有小部份人得到的回報比預期的平均回報高出很多.

我也很高興在我們之中,有來自不同國家的人,如:香港本土,中國大陸,印尼,土耳其,非洲等等.你們增廣了我的見聞和對不同文化的了解,我十分享受在這個細小的香港得到如此稀有的經驗,是我一開始沒有可能想得到的.我期待未來會遇到更多不同國籍的朋友.

但在一切之上,最令自己滿意的是,到目前為止都沒有收到任何投訴,或嚴重的索賠.因為最终,客戶(你們),中介人(本人)和服務供應商(宏利)都是願望看到大家擁有一個快樂,健康和充實的人生.我希望這一切美好的東西都會保持下去.

我一直的願景是向身邊的人,特別是自己關心的人:提供更廣更深的個人,退休和強積金保障服務.這是一直推動我做這個行業背後真正的熱誠.

很多生意都可以賺錢,但世界上沒有一門生意有能力將人與人之間連繫起來到這個程度,而且能夠令生活在社會內的人提供安全感.保險就像保護傘,當不幸和不能 預期的事來臨時提供保障,而且牢固人們退休後的生活,特別是當他們完成在年輕時為生活和家庭奮鬥後,一個美好的退休生活,是他們(和你們)應得的.

我在香港僅僅選擇和宏利合作,是因為她無論在產品和服務,都顯示出比其他同行公司,宏利擁有更高的質素和更出色的服務,特別在個人保險,退休保障和商業服務方面,她都選擇將客戶和中介人的長期利益為重,做一間保險公司應該做的事.

我這樣說,是由於我目睹現時很多金融機構都已經離開了她們主要的商業本質,提供一些本來不屬於她們業務板塊的產品和服務,這樣做有可能會為她們帶來短暫的 利益,但長期卻會損害客戶,最終是她們自己的利益.宏利多年都沒有這樣做,而且她在香港擁有最長的核保經驗(自1887年),長期擁有良好的索賠紀錄.我 在這個行業工作愈長,見識愈多,愈有信心自己一開始的選擇是正確的.

我設立了要在2011年增加一百位新客戶(個人和公司)的目標.這是一個不容易但有可能達到的目標,如果有你們的幫助.如果你自己本人,你的朋友,親戚,同事或身邊有任何人需要以下的服務,我是十分愉快地提供專業協助.

1.個人人壽/危疾重病/住院保障
2.特別為女性/兒童而設的保障
3.傳統儲蓄
4.月供式基金/一次過投資
5.退休保障
6.兒童教育基金
7.公司企業團體醫療
8.公司企業強積金服務
9.個人強積金保留賬戶
10.一般保險(如:車保,勞保,家庸保,商店保,旅遊保,遊艇保,家居保,寵物保等)

由於相信已經有能力提供優質的服務質素,現在我開始擴展生意,我最終的目的是建立一個健康和可持續發展的個人/商業網絡,在這個受保護的網內,你們可以因 應需要,找到很多可信任的專業人士,如:醫生,工程師,會計師,律師,投資者,不同的服務業等,和得到很多可靠的生活資訊,如:教育,優惠,生活方式,投 資意見等.

而我自己的個人目標,是希望在不久將來有能力負擔一層樓給父母作為退休用,而且開始建立屬於自己的家庭.

多謝你的關注.

誠摯的謹啟,

嚴天浩 (Calvin)2011年7月13日.

「兩個人總比一個人好,因為二人勞碌同得美好的果效。若是跌倒,這人可以扶起他的同伴;若是孤身跌倒,沒有別人扶起他來,這人就有禍了。」 -傳道書4:9-10

2011年5月17日 星期二

中場休息

波德萊爾說:女人們倦於愛戀,而男人們倦於寫作.

特別是純粹興趣沒有實質回報的時候,這和保險這份工作真的是南轅北轍.也實在很久沒有寫東西了,一半是懶,另一半也是懶,曾經打算一共寫365篇,兩年完成,現在已經三年半,目標一半也未達到,哈哈.

今天在這裡留一筆,希望很快可以從新開始寫作工作.

2011年5月3日 星期二

2010 Individual Insurance Claim Report

2010 individual insurance claim report is out.

top 3 causes of death:
1. cancer (49.72%),
2. heart disease (13.35%),
3. lung disease (10.36%),
successful claim rate (98.61%);
highest % age group: 51-60 (24.67%)

 

youngest: 1 months
gender: female
cause of death: accident

oldest: 94 years old
gender: female
cause of death: heart attack

top 3 causes of critical illness:
1. cancer (84.33%),
2. stroke (4.94%),
3. myocardial infarction (3.07%),
successful claim rate (86.32%);
highest % age group: 41-50 (38.33%)

youngest: 2 years old
gender: female
Major disease: Leaukaemia 白血病

oldest: 70 years old
gender: female
Major disease: breast cancer 乳癌