insurance agent

[1971sonny]

wah piang, I thot got steamy story. Talk here talk there still no progress.

[goodpartner]

Originally Posted by Chanelfingers

So being a jerk, you can bed her twice sign policy
Bed her then drop that policy...

Wow!
I'm impress such words and suggestion from a lady!

[sbf4life]

hi all bros.. first of all thanks for all the advice

hi chanelfingers, my plan is a policy they call 'growth policy'it is a one lump sum payment...any idea how much her commission will be??

Originally Posted by Chanelfingers

400k premium if investment is 2.25%

If endowment abt 50% +-

If life policy depends...

[Chanelfingers]

Originally Posted by Attilio2003

hi all bros.. first of all thanks for all the advice

hi chanelfingers, my plan is a policy they call 'growth policy'it is a one lump sum payment...any idea how much her commission will be??

Why is it so impt u know her com?
Is she rebating u?
If pure investment thru cpf... 9k
Just ask la, " so wat is this interesting rebates u mentioned?"
I suggest u get money rebate... Go for paid sex... U will get more bonks...
In sg commercial Sex is cheap...
If she does a investment link policy she earns much more.

@good partner...
If she offer sex as rebates...Means it is not
Her first time doing such rebates
She is giving bad name to female agents

If every male client asked for sex...WTF! No need to
Wrk Liao, spread legs can close case...

[MoralEpitome]

Damn, I just bought some insurance and did not ask for sex, I think I need to buy more, can TS pm me this agent's contact? I may wanna buy more

[unsung80]

What's the point, unless really need it.

[callmebad]

before you sign up for any insurance policy, make sure you know what you are signing up for and do this serve your needs?

in my view, a lot of the insurance policies are crap, but this is not to say, all are useless

for myself, because I'm like a lot of Singaporeans who are real scared that I can't afford hospital bills when I am real sick, so I sign up for a health insurance policy that will pay for all of my hospital expenses

another type is those insurance policies that will pay for your living expenses in the event you're not able to work due to illness

those investment-linked insurance policies to me are not so useful and quite risky because they are linked to stockmarket performance

travel insurance is quite ok

I receive pamplets from American Insurance asking me to top-up on fire insurance policy for my HDB flat - which I think is bull-shit because the chances of your HDB flat catching fire are very rare, so insurance companies like to ask people to sign up for this, because they can keep collecting and there is low chance of paying out for fire damages

I think if you want to buy insurance policies, buy them from a male agent, to cut down on this kind of dangerous seduction

must clearly separate this out from fucking, because you may end up with expensive fucking (buying expensive insurance policies which may not meet your needs), after all her 'chee bye' is not gold-plated, no point paying so much, is it ?

[Soon Nail]

http://www.income.com.sg/adviser/

Is she from here?

[goodpartner]

Originally Posted by fourhorseman

endownment plans, as long as you can set aside 5-10 % (up to 20%) of your salary, you use it effectively as a hedge against your CPF savings. since CPF saving have limitation on withdraw, you pair a same amount of deduction of your CPF to your endownment plan and put it to run in consecutive number of years, so you plan and have an "early withdrawal" at age 45, 55 and 60, ahead of the CPF withdrawal age. now I am praying MAS doesn't change the rules on endownment plans.

Bro, can elaborate this? Dun understand

BTW, critical illness plans need to look out for fine prints which don't cover stage 1 (which is most common), may need a rider or get another cheap term plan for stage 1 cancer.

Also I was told to take BOTH term (i.e. cover up to 70/75yo) and life policies; drop the term policy as you age since it's more practical to cover illness when you're younger/productive; dropping it will reduce premium need but still keep the life policy till death.

And yes, all those plans that combines coverage AND investment are CRAPS, especially if it links to hospital coverage; because for every $100 premium you pay, it basically split this $100 to pay for practically 2 different standalone plans, and when the premium for coverage increases with your age, less of that $100 goes to investments. Buy seperate plans if you must! This type of investment link BS are what insurance agents get the best bang for the buck!

And buy hospital and accident plans! They are the cheapest BUT most useful. Insurance agents don't push it because they earn peanuts with these plans, but make sure you buy! Especially if you're self employed!!! Must get those that pays you daily/weekly income when you get MC too.

[Chanelfingers]

Imo
Hospitalization insurance is an essential Cus hospital stays in sg is super expensive...

@ Fhm
Cpf will not as u pay back the amt lost... Investment loss...
& Your comment about fanciful names by poly Students...
Just proved that u haven't updated yourself on insurance products since probably 19...
Maybe it is High time you allow an insurance agent review your portfolio.

There are new products that covers loopholes and are genuinely helpful to clients.
Like goodpartner mentioned... The early stage critical illness/cancer coverage rider...

Last but not least, do not just follow hearsay...Talk to a professional...

[Chanelfingers]

So end up you will owe cpf money...

Doesn't makes sense at all.

You should stop inhaling charcoal fumes that it clouds your mind...

Korea drama always show ppl ＂烧碳＂

[owl888]

Wow, so much discussion on insurance and not the topic on sex

TS, u can juz buy any insurance from your agent and you got 14 days freelook period. That means within 14 days u can terminate the policy with no or minimal loss.

In the end, u get free fuck!

Do write a FR if u do get one

Cheers!

[Chanelfingers]

Originally Posted by fourhorseman

I was going to add that I am sure, in the case of medical insurance you'll do your best to help, and they wun wait until they die before they see their $ but my 15min editing time frame was up

coughs...suck up... coughs... coughs...
You dunno me...

[Stud00]

Best advice i have read so far! :XX

Originally Posted by Chanelfingers

FFS
Dont bed her with a policy...
She will sell u something u dun Need or something that pays her the most.

Just charm her, pamper her, then u get a horny fc as fb

Anyway you can buy a policy and still get full refund within 14 days after you revise policy...

So being a jerk, you can bed her twice sign policy
Bed her then drop that policy...

[Devil320]

Well i like to think of insurance in a simpler manner, its supposed to hedge against certain risks, be it on me or my properties. It has worked thus far, aside from prostitution, most insurance companies have lasted longer than telcos or say even governments.

The key is to meet advisors who really think for you and show you the assurance from their companies. Whatever products they have out there on the market, it's a hassle to read through everything unless you are a finance professional or lawyer. I just think in general there are real benefits for all, if not MAS will not have allowed them and with shit products in the market, the pressure on the government will only increase and i don't think given the current political situation PAP will allow for that