THE LAST DAY OF AUGUST

31/08/09, Monday could be a very crucial day for some of those who are in the run for A & H Challenge! Personally, on that day, I will have to hound on the NB Dept for some outstanding cases that need to be considered for my total points. Let us all "Jia You"! Will like to use the thought from Zinc's recent article: "If you think you can, you will win!". Ole! Ole!

FRAGILITY OF LIFE

It has been realised that there are many things that can go above life:

. An ant, will be no more when stepped on.
. A bucket of live fishES and prawns, when poured with boiling water, they are finished.
. Herds of pigs, goats and cows, they are awating to be slaughtered once they are borne.
. As for a man, it will be over when run over by a vehicle.
. Two people when standing below a building, an object dropped from height will crush through them.

Lives will just pass away in matter of seconds.

When things do not happen to oneself, it is always not seen or realised and taken for granted. Just like car accidents, for a bigger country, the daily deaths could be equivalent to a dropping down of a Boeing plane. If an airplane were to drop everyday, then it is frightening. As to having car accident daily, it seems to be ought to.

People tend to have a wrong concept that insurance is to protect life which is untrue. Actually there is nothing in this world can protect life! When faced with disasters, insurance is only a form of protection, rather put it in simple term: "there is A value in every life" which means one should not just simply die. A dead life should leave behind with one's relatives some consolations and compensations. So people should not always say things like, "I am strong and healthy", "I have no sickness and disasters" and if they do not know "Respect and be afraid of diasters", "Beware of disasters", "Preventing disasters", then their lives are just like pieces of meat that will be wiped out by any risk. This is just no difference from "Chickens, ducks, fish and prawns", "pigs, horses,cows and goats"! Haha!!

PROBLEM OF TOO MUCH OVERWEIGHT

For the past months, my sales are in the Health related plans and especially very much overweight on the PruShield recently in view of the A&H Challenge. Given the Demography of my clients, they are of the higher age and subject to the weathering, they may have CAL most of the time. At this crucial moments, CAL can be killing if not done in time. This is what I am facing now especially with the recent hiccups with the New Business Dept. Although I have chalked up the points theoretically, but as how will be the final outcome, I have not much clue either.

So need to change the strategy to look for sales of other health plans fast as PruShield's game is basically over for the time being. Haha! Anyway will still fight hard till the last day loh! Let us all jia you and see each other in Seoul together!! Hehe!

100,000 Women Lack Medishield & Vital to join MediShield

That was the Headline flashed in the yesterday's Sunday Times. About 100,000 women in Singapore do not have Medishield insurance coverage and risk having to shoulder hefty medical Bills. They are mainly housewives with no medisave savings. Such women are noted for being not covered either due to "pure ignorance or when their coverage lapses over time.It was brought up in the NTUC forum as "Even as we live longer and need more health care, we have lesser means to pay for them."

NTUC intends to reach out to this group to encourage women to sign up for the Medishield. It was also brought upwomen with no Medishield coverage are probably uninformed or unwillimg to strain family relations by asking their family to get them onto the scheme. It was suggested that monthly contributions by husbands to their wives' CPF accounts must become a social norm or be regulated.

On the same day, there was another article whereby the Health Minister , Mr. Khaw Boon Wan has stressed that it is vital to join Medishield. He related a recent case whereby a man whose father had to be warded after being infected by H1N1 virus. In fact he was admitted to a hospital's intensive care unit, where charges are higher. However there was never a word about how the family can't afford to pay, although he has come from a family with average income. They have Medisave and Medishield coverage and thus no problems with paying the hospital bills.

This. Mr. Khaw said, underscored the importance of insurance scheme. "Imagine without Medishield and Medisave, a few thousand dollars become impossible to pay...but to benefit from it, you must be in it," he said, urging Singaporeans, especially the self-employed, to sign up.

We should just ride on the recent development of the H1N1 virus, lack of MediShield by housewives as well as the Health Minister's comments to influence more people to take up our PruShield + Extra! It is never a better time than this!! Haha!

Opportunity ??

Noticed an article in Zhaobao Weekly No 1125 dated 19/07/09 mentioning that there is a possibility that Singapore may carry out a nationwide campaign on "Occult Blood Test In Faeces" in 2010. The target group is at the older age people and people who have symptoms so as to encourage them to have early medical examinations and treatment.


Those citizens whose age have reached 50 years old and above, regardless of their sex will have to collect the testing kit from designated centres, free of charge. From an estimation, the number from this group of people who will benefit from this exercise will total up to 400,000.


Colon cancer has been found to be the major cancer associated with people in Singapore. According to the statistical records, the annual average figure has been more than 1,200 cases, ie. there are 4 persons confirm to have colon cancer everyday.


We need to keep this group of people be informed of the situation. With the waiting period required for critical illness being 90 days for most policies, it maybe a good opportunity to start selling Package Plans with Critical Illness Cover to this group of people in time!!

WHAT IS AN S-PASS?

Just reproducing the gist of the article on Straits Times (July, 5 2009) on S-Pass:

WHAT IS AN S-PASS?

• The S-Pass is for semi-skilled foreigners who earn a fixed monthly salary of at least $1,800. (Foreign workers eligible for the S-Pass must be semi-skilled diploma or post-secondary holders earning at least $1,800).
• Applicants are assessed on a point system, taking into account multiple criteria, including salary, educational qualifications, skills, job type and work experience.
• S-Pass applicants accumulate point as based on how well they meet these criteria.
• The criteria for S-Pass holders has been raised since June 1. The Ministry of Manpower (MOM) has recalibrated the points allocated in each criterion to encourage employers to employ better qualified S-Pass holders.
• The limit on the proportion of S-Pass holders that firms can employ remains unchanged at 25 percent.

As of December 2008, there were about 74,000 S-Pass holders.

Some Good Advice

Just got these few advice while reading the foreward by Robert Kiyosaki on the book "$ales Dogs" by Blair Singer:


Manipulation, deception, pressure, false sincerity, phony smiles, is NOT selling.


Selling is communication. True selling is caring, listening, solving problems and serving your fellow human being.


To rich dad, selling meant being able to overcome our personal doubts, fears and wants, and going out day after day with only the idea of serving our fellow human beings.


"True selling or communication is not about how many sales you make or how big your commission cheque is. True selling means being passionate about your company's product or service and being compassionate with the wants, dreams and needs of your fellow human beings."


The Golden Rule - Law of Reciprocity


Your sales ability was not measured by the size of your commission cheque. Instead he said, " Keep improving your ability to sell and to communicate, and your life will improve if you use your skill to help other people."

"Your wealth, your power and your happiness improve with your ability to communicate. It is the most important skill in the world of business and in life. Keep improving your communication skills, use your skills to improve the lives of others, and your life will also improve!

Well said!!

Hope that these will also enlighten all our family members too!