Public Letter to Clients and Friends (July, 2012)

親愛的客戶和朋友，

希望你們都很好，這個月將是我在宏利第五年的開始。每年我都會寫最少兩封信給我的客戶，這封和在每年年底的年度信，很高興仍然可以給你寫信，因為根據統計，50％的保險代理人生存不了第一年，80％生存不了三年，因此，當你收到我的信時，這意味著我還在這個行業活著。我的其中一位朋友說，我應該開個派對慶祝一下，好主意！ 但我想還是算了吧。

商業就如戰場，他們說最好的士兵，就是仍然活著的士兵。幸運的是，現實並不需要好萊塢風格的英勇 犧牲，人在工作中生存不了通常都是因為不同的原因。另一方面，許多人工作卻可以逆流而上，不停地到達一個更好的位置。你們中間有自己業務，或在競爭十分劇烈的行業內工作的朋友，都應該擁有相同的感受，而對於其他擁有一個正常工作的朋友，我相信你的生活也不會太容易。似乎生存永遠都成為我們生活的關鍵要素， 而且我們不都希望只是僅僅生存，我們都希望生活得更好，去到更佳更快樂的位置，無論是為自己或我們的下一代。

在生命的每一個階段，我們都渴望自己和我們愛的人安全。保險業正正提供這種服務，每當我跟一個潛在客戶談的時候，發現最後他們從我購買保險的原因，從來都不是因為我的銷售技巧，形象或說話方式，是因為他們信任我，感覺安全。​信任是很難在現代找到的​，特別在商業社會，我們都集中地談論包裝，第一印象和不同的技能，但成功的企業永遠都不能離開自古以來的基本原則：每一個真正的交易都必須建立在信任的基礎上。

我的職業生涯方向將保持不變，近來跟一個朋友討論：甚麼是生命中最幸福的時刻？我們得到一個結論，生命中最幸福的時刻，是當一個孩子被愛他/她的父母，放在一個環境之內， 在那裡他可以自由地跑動和隨意探索任何東西，而完全不需擔心會受到任何傷害，這正正是我想帶給客戶的東西。然而盡管我們的內心深處仍然有一個小孩子，這個 世界並不安全，有趣的是這也是保險的價值。很諷刺，如果這個世界是一個完全安全的地方，人也沒有任何一種重大危疾，意外事故，疾病或不幸事件的風險，這個世界就不需要保險。在一定程度上，我存在的價值和不斷增長的保險行業，就是一個有力證明，這些不確定性從來就未離開過我們。為我關心和愛護作最壞打算，將永遠是我在這裡做的事，這種想法總經常讓我的內心有一種不停被針刺痛的感覺，除非有一天我不再關心或愛任何人了。

最後，請容許我簡單介紹一下我能夠提供的服務, 我可以提供由旅遊保險到傳統儲蓄，從團體醫療到退休計劃。在財務規劃的角度，明智的你應該至少有一個合理的人壽保險，跟著是重大疾病或醫療保險，然後到意外或傷殘保險，再到短中期的儲蓄或投資（為自己儲蓄，教育基金等等），如果你已經幸運地擁有以上所有保障，可以考慮設立一個長期的退休計劃，這也是我最期 待的東西！因此如果您有甚麼需要，歡迎隨時與我聯繫。

最好的祝願，
嚴天浩（保險代理註冊號：08190273，強積金註冊號：074240）
2012年7月

Dear Clients and Friends,

Hope you all well, this month will be the end of my 4th year and the beginning of 5th year in Manulife. Each year, I write two letters to my clients, this one and another one at the end of each year, I am glad I still able to write to you because statistically 50% insurance agents cannot survive the first year, 80% cannot survive 3 years, so when you receive my letter it pretty much means I am still alive. One of my friends says I should throw a party to celebrate, good idea but I think I will let it slide.

Business is like a battlefield, they say the best soldiers are those who still remain alive, fortunately reality do not require Hollywood style’s heroic sacrifice, and people do not survive in work usually is due to many different reasons. On the other hand, many people are capable to work against the stream and keep moving to a better position. Those of you who run your own business or working in competitive position must feel the same way, and the rest of you who are living a normal working life, I believe your life isn’t too easy neither, it seems survival will always remain the key elements of our life, and we don’t want to just survive, we all wish to go to a better and happier position in life for ourselves and our offspring.

At each point of life, we craving for security, for ourselves and those we love. Insurance business is to provide such service, whenever I talked to a potential client, I found out at the end of the day, the reason they buy from me is never about my selling skill, or the way I look and talk, but because they trust me, they feel safe with me. Trust is hard to find in this generation when everyone in the commercial world focuses on packaging, first impression and different skills, yet successful business can never leave the basic principle since the ancient time: every real deal must base on trust.

My career direction has remained the same; I had a discussion with a friend: what is the happiest moment in life? We came up to a conclusion, the happiest moment in life is when a child being loved by his/her parents and he is placed on a field where he can run freely and feel free to explore anything he wishes without worry about getting injury, and this is exactly what I want to give to my clients. However as the little child we are all still remain deep inside, this world is far from safe, and funny enough this is also where the value of insurance is presented. The irony of my business is that there should be no insurance business if this world is completely safe, and men have no risk of getting into any kind of major diseases, accidents, sickness or unfortunate events, in some extend the value of my existence and the ever growing insurance industry is a strong proof that, these uncertainties have never gone away. Prepare for the worst for the people I care and love will always be what I need to do here, this idea always give my heart a consistent tingling and pricking sensation, unless there is a day I stop to care or love anyone anymore.

Lastly, please allow me to have a short introduction what I can offer, I can offer from travel insurance to traditional saving, from group medical to retirement planning. In financial planning, ideally you should have at least a reasonable size of life insurance, then critical illness and medical coverage, then accidental and disability coverage, then short-mid term saving or investment (saving for yourself, education fund, etc), if you are lucky enough to own all those above, you can consider to setup a long term retirement plan, which is something I look forward very much! So if you need anything, welcome to contact me anytime.

Best Wishes,
Yim Tien Ho Calvin (Insurance agent Reg. No.: 08190273, MPF Reg. No.: 074240)
July, 2012