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
