Ever since I was young, my family barely had any financial protection as my parents did not believe in insurances. More often than not, my parents turned down Financial Services Consultants all the time, resulting in the scepticism I that I used to have in this industry.

Back when I was in NUS as a Year 1 Undergraduate, a close friend of mine approached me to give this industry a shot. I turned him down crudely because of the false interpretation I had for insurances and thought that he was solely trying to get sales from me or to build his team.

It was only until when I was in year 2 and 3, I was admitted to the hospital several times where 2 surgeries occurred. The estimated sum totalled to about 80k thereabout, inclusive of inpatient and outpatient charges.

These events took a huge toll on my family’s finances, having to burn through the savings that my parents had saved throughout the years. Being the youngest child in the family, my brother and sister had to fork out a significant sum as well, even though they had just started working.

Furthermore, I witnessed the dire consequences of having no insurances pay out for a cancer patient (one of my loved ones). Upon diagnosis, their finances have been bleeding day after day having close to no regular income on a monthly basis.

After having gone through and witnessed all these incidents, my perception towards being a Financial Services Consultant has changed completely.

I deeply desire the need to impact and change people’s lives, allowing them to never have to undergo the dark times which my family had been through.

Finances can make or break a family. Never allow your finances to be a burden for others, leading to a deterioration of relationships.