Oct 14 2011, 01:30 PM
QUOTE(Gyokumen_Koushu @ Oct 6 2011, 06:40 PM)
True.
At the moment ALL the new savings plan from ALL the insurance company are pending approval.
Cash Builder fund of 300mil has fully sold out. While ALL insurance company are waiting for approvals. HLA relaunch Cash Builder of 50mil fund.
As of today, 50mil fund is fully sold again. Thus HLA is throwing additional 50mil @ till December 2011. Any inquiries do call me to make an appointment.
We are professionals. This is a traditional service industry. Make an appointment. I will not discuss online.
Imagine i want to process a 1 mil mortgage. Never do it online. Appointment 15 minutes client understand everything there is to know.
There will Be a Positive Change in the Industry.
Because too many agents mislead their client on projected profit. For example, presenting Sales Illustration premium of 100k showing the actual of return after maturity date, while giving 20% discount. While the Sales Illustration he showed is 100k. Upon policy being signed up, a different policy is handed to client to be signed, where the real policy client signed is actually 80k. Yet client would not realized it.
When client found out perhaps, after 3 years, complains to BNM (customer is always right), then insurance company refund 100% and insurance agent forfeit their commission and bear the cancellation processing fee around rm500.
It is due to this fact that BNM is reviewing all the loopholes for misleading selling. Not to mention all this ruckus is mostly due to Maybank Takaful. Too many people complained to BNM, to the point BNM imposed Maybank to send a policy review checklist to all client, where client can verify whether or not they are indeed being cheated, and eligible to 100% refund.
New rules regulated to all agent by HLA to prevent this CON CASE to happen.
Say 100k premium.
Client cancel.
Usually HLA refund 100k. Agent forfeit the commission and bear additional rm500 for cancellation.
Now new policy.
Client cancel.
HLA refund 50k. Agent forfeit the commission and bear additional rm500 for cancellation + 50k.
Thank god. That HLA is fast in regulating new rules. In the industry for years. Seen it all. So many people used young kids like SPM dropouts to misleading selling. Not even them realized that they cheating their families and friends. Again no more CON CASE.
At the moment ALL the new savings plan from ALL the insurance company are pending approval.
Cash Builder fund of 300mil has fully sold out. While ALL insurance company are waiting for approvals. HLA relaunch Cash Builder of 50mil fund.
As of today, 50mil fund is fully sold again. Thus HLA is throwing additional 50mil @ till December 2011. Any inquiries do call me to make an appointment.
We are professionals. This is a traditional service industry. Make an appointment. I will not discuss online.
Imagine i want to process a 1 mil mortgage. Never do it online. Appointment 15 minutes client understand everything there is to know.
There will Be a Positive Change in the Industry.
Because too many agents mislead their client on projected profit. For example, presenting Sales Illustration premium of 100k showing the actual of return after maturity date, while giving 20% discount. While the Sales Illustration he showed is 100k. Upon policy being signed up, a different policy is handed to client to be signed, where the real policy client signed is actually 80k. Yet client would not realized it.
When client found out perhaps, after 3 years, complains to BNM (customer is always right), then insurance company refund 100% and insurance agent forfeit their commission and bear the cancellation processing fee around rm500.
It is due to this fact that BNM is reviewing all the loopholes for misleading selling. Not to mention all this ruckus is mostly due to Maybank Takaful. Too many people complained to BNM, to the point BNM imposed Maybank to send a policy review checklist to all client, where client can verify whether or not they are indeed being cheated, and eligible to 100% refund.
New rules regulated to all agent by HLA to prevent this CON CASE to happen.
Say 100k premium.
Client cancel.
Usually HLA refund 100k. Agent forfeit the commission and bear additional rm500 for cancellation.
Now new policy.
Client cancel.
HLA refund 50k. Agent forfeit the commission and bear additional rm500 for cancellation + 50k.
Thank god. That HLA is fast in regulating new rules. In the industry for years. Seen it all. So many people used young kids like SPM dropouts to misleading selling. Not even them realized that they cheating their families and friends. Again no more CON CASE.
lovely!! lovely!! well, never too late to teach them to be responsible for his/her actions and words...
"when they are in darkness, u care to show them the light to guide them, so dun take it away when they see hope is there, but blinded again half way out...they spend years to save it, and wish to have a better tml...they r willing to share it with u and have u grow together...so be gratitude to them or else u r not who u r today..."
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