Friday, July 14, 2006

Save for your child in an Ideal plan

A parent can save for a child in an Ideal plan.

It is expected to earn an attractive return that can be higher than a traditional education policy. It has the advantage of being flexible, i.e. you can change your regular savings and also the timing of the withdrawal for your child's education. You can also use the savings for other purpose to benefit your child.

Compared to similar plans from other insurance companies, our Ideal plan could give a return of 20% higher. This is due to our lower charges, which allows more of the savings to be invested in the plan. If the projected amount is $50,000, our plan can give up to $10,000 more. That is a lot of money.

To find out more, call 62 INCOME (62 462663)
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2 comments:

Limster said...

Dear Mr Tan

Is the return from Harvest Plan better than the Ideal Plan?

I understand from the agent that the "öld" Harvest Plan could fetch more return than the "new" Harvest Plan. Is it true?

Currently, I am considering a policy for my 1.5 year daughter.
Your advice will be invaluable to me.

Thank you.

July 14, 2006 4:06 PM
feedback said...

Dear Mr Tan,

I am very happy to stumble across your blog.

I am one of your distributors and have been very unhappy with the structure of your customer service dept.

This is your current structure.
If we have any queries pertaining to any clients' policies, we call the customer service hotline. However, none of the customer service officers are equipped with any specific product knowledge or able to help with any specific queries for new business. Their job is solely to answer our calls and get the relevant departments to call us back within 3 hours.

This is all very well if for normal working matters, we do receive the call within 3 hours. But, unfortunately, I have to feedback that I personally encounter a few bad experiences whereby I do not received the promised calls. I had to call in again to your general hotline only to be given the same promise that they will get the relevant department to call me back within 3 hours.

I hope you can understand my frustration when for the 2nd time I did not received the call and have to call in only to have the same process repeated.

Of course, there are other instances where the promised calls were delivered.

What I am trying to point out is that the current process left much to be desired in the response time to clients' queries. In such cases as the above scenario, I have to delay my response to the client by 2 days when I eventually get a proper response. This does not bore well for our level of service, both your company and mine.

As a partner of your company and someone who recommended your company products to my clients, I couldn't possibly explain to my clients the level of unsatisfactory service
(in my personal opinion) that I was getting. As a partner, in recommending products and services to clients, I hope you can appreciate that beside the core features of the plans, the delivery of customer services play a part to.

I wonder if it will be possible to consider the following suggestions:

1. Give your customer service officers core product training.

2. Allow system integration so that they are able to help us with any basic new business enquiries. I understand if they are unable to update us for underwriting details. But, it will be good if system can indicated pending medical reports and stuff so that we can update clients.

3. Currently, we are not given the option to contact the relevant depts directly even for urgent matters.

4. Consider reviewing the 3 hours turnaround time. One of your close competitor for your shield plan is usually able to get back us within the hour. Even if they are unable to give us the exact information, they do call to update us on the status.

5. Customer service officer should also be familiar with the right dept to diver the call to. This is so that we do not have to go through another 3 hours cycle cos they have the wrong dept to call us!!!When that happens, we actually have to call in to the general hotline to have the whole cycle repeated again!!!!

6. It will be a really great idea to review the structure of your competitors customer services structure. Can I just suggest looking into Aviva's? Not that I am biased towards them but because when My Shield took off, we face alot of frustrations too. They have, since then, successfully review and streamline the process to an efficient one.

I sincerely hope you can seriously considering looking into the above-mentioned.

I hope to enjoy a better working relationship with your company in future.

July 15, 2006 10:05 PM

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