From the day I stepped foot in Honeybees, I’ve always been told that my competitors are never the other insurer companies.

But all the deaths, disabilities, and critical illnesses.

We never know when it can happen to someone. Which is why we are in a constant race against time to reach out to as many people as possible and ensure that they are well protected.

I was mindblown when I first heard this.
Like woah, this is really powerful!

But I guess it only truly hit me when I started to witness people around me falling sick and approaching the end of their runway.

It makes me feel sick. I feel helpless. Besides offering words of comfort, buying them food that they crave for, and asking if they have any wishes yet to be fulfilled, there is nothing more I can do for them and their families that can drastically improve their situation.

This fuels my very purpose and conviction in coming to Honeybees. While I can’t do much for the ones who have fallen, there are many more out there who still need help in securing their futures financially. And they might not realise it yet, so they are going to find me annoying or redundant.

But that’s okay. Boss always says as long as we are doing the right thing, we have nothing to fear. And I know I am doing the right thing, so there is no shame in that. I’m proud of what I do now.

I find myself thinking fairly often these days, had I been in this role 5 years earlier, how many more lives could I have protected? How much more of a difference could I have made?

After all the portfolio restructuring I have done thus far, I’ve seen enough to start feeling worried for people when I see a portfolio full of shortfalls.

That’s as good as buying an umbrella with holes, you know.

Or worse, some don’t believe in using the umbrella at all. It’s cool to walk in the rain, they say.

Is it still cool when you are nearly drained of life, with everyone in your family making adjustments in their lifestyle to care for you, and your savings wiped out by your medical needs?

If you’re still here by now, thank you for taking the time to read this. 

I sincerely implore all of you to take your financial planning seriously. Get your insurance portfolio reviewed if you haven’t already.

I know. It’s tedious. It’s time-consuming.

All the reasons I have heard. And I can understand the aversion towards a portfolio review. The agent probably tryna sell you something each time they ask to do a review.

I can’t deny there are agents who plan more for their self-interests (if they are blatant enough, it’s actually obvious from the client’s portfolio but let’s save this topic for another day).

But is there any reason stronger than just doing it for yourself, for your loved ones?

I used to think that empathy is one of my greatest strengths. But after being in this line for a while now, I’ve come to realise that my empathy for people can’t do sh*t if they do not take any action to resolve their problems at hand. Or in a more dismal situation, some are unable to do anything because their health status does not allow them to.

Insurance can only be bought with health. Do it while you still can.

And if I happen to annoy you, that’s because you are someone who matters to me.