Integrated Shield Plan for Your Baby

JC Project Freedom Integrated Shield Plan for Babies

Life as an Independent Financial Adviser is not a walk in the park, especially when it comes to rejection from close friends and family members. I am taking this difficult route which seems like begging to some people. My mother would ask me,” You meet so many people, what comes out from the meetings? Anyone buy anything?” This is the typical old folk’s mindset.

I attended a close university friend’s baby shower. The next day, I sent her a whatsapp message and the conversation goes like this:
JL says,”Morning XXX, want to check with you whether have you purchased integrated medical shield plan for your son?”
GA replied,”you doing insurance ah?”
JL says,” One part of it is insurance.”
GA replied,” What you doing now?”
JL says,”Independent Financial Adviser.”
GA replied,” Oh…you doing it full time?”
JL says,” Yes, full time basis since September.”
Then you see radio silence. Any other sentences you typed is not blue ticked. Maybe I am blocked on whatsapp?

Firstly, I want to borrow a story from Heartland boy, he is a famous financial blogger. You can read the full post here. His baby suffered from a fever on day 9 and the hospital bill cost $4,500. I have a friend’s baby who was admitted around 3 months old and the hospital bill amount to around the same range. My personal story was my child was admitted to private hospital in 2018 for H1N1 virus and the total bill came up to $6,000+. I was worried shit when my wife called me that fateful evening and told me the pediatrician wanted to admit my child. I finished a teleconference with France, I frantically called my Great Eastern agent friend and asked him about my child’s policy. He reminded me that my ISP was not purchased through GE. I was like,”Ya hor…shit it is Aviva.” When something struck you (and you are not from the industry), you will feel loss. I been through that.

Why selling to friends or family is a difficult task? They want to buy and not sold. To be absolutely honest, Ms Prospect, if I sell you any Integrated Shield Plan, I will make only $10 – $20/year from the premium you pay through your Medisave. It will probably cover 4 train rides to meet you twice to first uncover your needs, explain different companies’ coverage and sign the form. My single stock counter’s dividend or an option’s income should be many times more than that?

So far, I never push for sales or corner someone to commit to a plan. My take is I recommend something which will be useful and meaningful to address your needs. If there are concerns raised, I will address them and inform my customers,” The decision is yours to make.” Some buy, some don’t. It is fine. I appreciate all those who supported me (not buying things) and gave me some air time to share. I truly believe in what I am doing is always to the best interest of my family, friends and customers.

Enough of my whining, I continue on my mission to peddle my insurance products, I try to remind myself not to keep vomiting information and words onto my prospects and make it a monologue. I need to listen to my prospects and help them uncover their needs. Listen. God gives you two ears and one mouth for a good reason. You can talk to me, I don’t need to push sales, I am here to serve.


  1. You are right that life as an IFA is not easy. Doing anything sales-related in this kind of environment is tough, especially when it comes to insurance products. My wife’s cousin reached out to her in the 2nd week of our baby’s birth to discuss buying an Integrated Shield Plan for him. We still have not met up with her cousin because we are just so caught up with everything else.

    • The nature of selling insurance products is repelling but it is very useful when we need it. Often it is too late when we need it.
      I am recommending ISP to my friend because I care for her. I had told my another friend that he can buy an ISP from my other IFA friend but it is important to be insured.
      I understand there is a lot of misconceptions about insurance and lots of black sheep out there which tarnish the industry’s reputation. Just need time to prove to people about your professionalism and dedication.
      Yes, I agree with you, sometimes as new parents we are just too overwhelmed and an ISP is just the last priority on our mind. All I ask is don’t block me or ignore me for what I am doing (we know each other since uni year 1), you need to see what I can do for you first to assess. You as customer decides, I am in for the long game, several friends walk away without buying anything after doing a comprehensive planning, it is perfectly fine.

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